Home > First Federal Savings and Loan Association of Bath > Performance and Condition Ratios
First Federal Savings and Loan Association of Bath, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 3,281 |
| Cost of funding earning assets | 1.4752% | 3,261 |
| Net interest margin | 3.4255% | 2,505 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 3.2899% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.1386% | 4,043 |
| Return on assets (ROA) | 0.1386% | 4,070 |
| Pretax return on assets | 0.1819% | 4,048 |
| Return on Equity (ROE) | 0.9300% | 4,101 |
| Retained earnings to average equity (ytd only) | 0.9346% | 3,514 |
| Net charge-offs to loans | 0.0278% | 1,444 |
| Credit loss provision to net charge-offs | 20.0000% | 1,654 |
| Earnings coverage of net charge-offs (x) | 8.6000% | 1,766 |
| Efficiency ratio | 94.6417% | 365 |
| Assets per employee ($millions) | 5.0408% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 1,461 |
| Loan loss allowance to noncurrent loans | 60.9142% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.7243% | 317 |
| Noncurrent loans to loans | 2.2241% | 368 |
| Net loans and leases to total assets | 76.4800% | 1,022 |
| Net loans and leases to deposits | 99.1926% | 446 |
| Net loans and leases to core deposits | 104.6662% | 1,093 |
| Total domestic deposits to total assets | 77.1000% | 3,905 |
| Equity capital to assets | 14.7258% | 594 |
| Core capital (leverage) ratio | 14.4525% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1409% | 302 |
| Memoranda: | ||
| Average total assets | $184,684,500 | 3,121 |
| Average earning assets | $167,567,000 | 3,148 |
| Average equity | $27,392,000 | 2,571 |
| Average total loans | $143,967,500 | 2,823 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 3,383 |
| Cost of funding earning assets | 1.3128% | 3,652 |
| Net interest margin | 3.5143% | 2,043 |
| Noninterest income to average assets | 0.4200% | 2,351 |
| Noninterest expense to average assets | 3.1725% | 906 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.3245% | 3,806 |
| Return on assets (ROA) | 0.3245% | 3,829 |
| Pretax return on assets | 0.4110% | 3,777 |
| Return on Equity (ROE) | 2.2300% | 3,960 |
| Retained earnings to average equity (ytd only) | 2.2290% | 3,296 |
| Net charge-offs to loans | 0.0007% | 3,042 |
| Credit loss provision to net charge-offs | 6,400.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 805.0000% | 168 |
| Efficiency ratio | 87.6609% | 603 |
| Assets per employee ($millions) | 5.0592% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 1,383 |
| Loan loss allowance to noncurrent loans | 68.6192% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.5747% | 337 |
| Noncurrent loans to loans | 2.0009% | 398 |
| Net loans and leases to total assets | 77.6200% | 945 |
| Net loans and leases to deposits | 99.9102% | 491 |
| Net loans and leases to core deposits | 105.7691% | 1,137 |
| Total domestic deposits to total assets | 77.6900% | 3,815 |
| Equity capital to assets | 14.6510% | 594 |
| Core capital (leverage) ratio | 14.5338% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7555% | 314 |
| Memoranda: | ||
| Average total assets | $180,270,200 | 3,122 |
| Average earning assets | $163,928,800 | 3,144 |
| Average equity | $26,244,400 | 2,562 |
| Average total loans | $138,435,400 | 2,839 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 3,427 |
| Cost of funding earning assets | 1.2453% | 3,764 |
| Net interest margin | 3.5304% | 1,957 |
| Noninterest income to average assets | 0.4300% | 2,252 |
| Noninterest expense to average assets | 3.1767% | 872 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.3359% | 3,800 |
| Return on assets (ROA) | 0.3359% | 3,831 |
| Pretax return on assets | 0.4256% | 3,770 |
| Return on Equity (ROE) | 2.3100% | 3,980 |
| Retained earnings to average equity (ytd only) | 2.3111% | 3,371 |
| Net charge-offs to loans | -0.0019% | 3,687 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 87.2505% | 654 |
| Assets per employee ($millions) | 5.1890% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 1,334 |
| Loan loss allowance to noncurrent loans | 68.2578% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.5803% | 311 |
| Noncurrent loans to loans | 2.0538% | 372 |
| Net loans and leases to total assets | 75.8700% | 1,141 |
| Net loans and leases to deposits | 97.8656% | 600 |
| Net loans and leases to core deposits | 103.3173% | 1,276 |
| Total domestic deposits to total assets | 77.5200% | 3,775 |
| Equity capital to assets | 14.6501% | 623 |
| Core capital (leverage) ratio | 14.5602% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0177% | 317 |
| Memoranda: | ||
| Average total assets | $179,805,000 | 3,127 |
| Average earning assets | $163,492,250 | 3,147 |
| Average equity | $26,134,500 | 2,567 |
| Average total loans | $137,209,500 | 2,842 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 3,636 |
| Cost of funding earning assets | 1.1591% | 3,842 |
| Net interest margin | 3.4442% | 2,085 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 3.2087% | 814 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.2478% | 3,929 |
| Return on assets (ROA) | 0.2478% | 3,966 |
| Pretax return on assets | 0.3147% | 3,913 |
| Return on Equity (ROE) | 1.7100% | 4,060 |
| Retained earnings to average equity (ytd only) | 1.7092% | 3,429 |
| Net charge-offs to loans | -0.0015% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 90.4657% | 542 |
| Assets per employee ($millions) | 5.1501% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 1,411 |
| Loan loss allowance to noncurrent loans | 70.5602% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.5151% | 334 |
| Noncurrent loans to loans | 1.9707% | 392 |
| Net loans and leases to total assets | 75.8100% | 1,200 |
| Net loans and leases to deposits | 99.7292% | 564 |
| Net loans and leases to core deposits | 104.3871% | 1,235 |
| Total domestic deposits to total assets | 76.0200% | 3,896 |
| Equity capital to assets | 14.4911% | 604 |
| Core capital (leverage) ratio | 14.6084% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8584% | 318 |
| Memoranda: | ||
| Average total assets | $179,201,333 | 3,134 |
| Average earning assets | $162,883,333 | 3,160 |
| Average equity | $25,977,000 | 2,545 |
| Average total loans | $136,365,000 | 2,844 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6088% | 3,507 |
| Cost of funding earning assets | 1.0518% | 3,934 |
| Net interest margin | 3.5569% | 1,793 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 3.2081% | 822 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.3112% | 3,793 |
| Return on assets (ROA) | 0.3112% | 3,824 |
| Pretax return on assets | 0.3940% | 3,771 |
| Return on Equity (ROE) | 2.1500% | 3,981 |
| Retained earnings to average equity (ytd only) | 2.1463% | 3,199 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 88.8958% | 639 |
| Assets per employee ($millions) | 5.2415% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 1,364 |
| Loan loss allowance to noncurrent loans | 212.1246% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 1,256 |
| Noncurrent loans to loans | 0.6633% | 1,335 |
| Net loans and leases to total assets | 74.9900% | 1,205 |
| Net loans and leases to deposits | 97.4442% | 627 |
| Net loans and leases to core deposits | 101.2019% | 1,345 |
| Total domestic deposits to total assets | 76.9500% | 3,908 |
| Equity capital to assets | 14.5721% | 592 |
| Core capital (leverage) ratio | 14.7072% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4102% | 303 |
| Memoranda: | ||
| Average total assets | $178,674,500 | 3,143 |
| Average earning assets | $162,386,500 | 3,168 |
| Average equity | $25,905,000 | 2,554 |
| Average total loans | $135,259,000 | 2,850 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 3,175 |
| Cost of funding earning assets | 0.8034% | 3,720 |
| Net interest margin | 3.6543% | 1,847 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 3.1166% | 936 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.4117% | 3,844 |
| Return on assets (ROA) | 0.4117% | 3,843 |
| Pretax return on assets | 0.5857% | 3,662 |
| Return on Equity (ROE) | 3.0000% | 4,023 |
| Retained earnings to average equity (ytd only) | 3.0000% | 3,270 |
| Net charge-offs to loans | -0.0077% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.2892% | 703 |
| Assets per employee ($millions) | 5.4285% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 1,352 |
| Loan loss allowance to noncurrent loans | 139.9706% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.7597% | 679 |
| Noncurrent loans to loans | 1.0083% | 733 |
| Net loans and leases to total assets | 74.2800% | 1,316 |
| Net loans and leases to deposits | 94.8780% | 876 |
| Net loans and leases to core deposits | 99.2956% | 1,466 |
| Total domestic deposits to total assets | 78.3000% | 3,693 |
| Equity capital to assets | 14.4251% | 614 |
| Core capital (leverage) ratio | 14.6221% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1018% | 300 |
| Memoranda: | ||
| Average total assets | $181,671,800 | 3,111 |
| Average earning assets | $166,297,600 | 3,130 |
| Average equity | $24,933,600 | 2,523 |
| Average total loans | $130,151,600 | 2,857 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3724% | 3,157 |
| Cost of funding earning assets | 0.7745% | 3,593 |
| Net interest margin | 3.5980% | 2,015 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 3.0944% | 936 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.4359% | 3,898 |
| Return on assets (ROA) | 0.4359% | 3,900 |
| Pretax return on assets | 0.5507% | 3,823 |
| Return on Equity (ROE) | 3.2200% | 4,079 |
| Retained earnings to average equity (ytd only) | 3.2163% | 3,459 |
| Net charge-offs to loans | -0.0072% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.7324% | 630 |
| Assets per employee ($millions) | 5.4727% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 1,310 |
| Loan loss allowance to noncurrent loans | 130.0685% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 688 |
| Noncurrent loans to loans | 1.1025% | 711 |
| Net loans and leases to total assets | 72.2800% | 1,543 |
| Net loans and leases to deposits | 88.0770% | 1,379 |
| Net loans and leases to core deposits | 92.6100% | 1,758 |
| Total domestic deposits to total assets | 82.0600% | 3,196 |
| Equity capital to assets | 13.8389% | 671 |
| Core capital (leverage) ratio | 14.2859% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9099% | 325 |
| Memoranda: | ||
| Average total assets | $182,305,000 | 3,115 |
| Average earning assets | $167,164,750 | 3,128 |
| Average equity | $24,706,750 | 2,520 |
| Average total loans | $128,945,000 | 2,870 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 3,180 |
| Cost of funding earning assets | 0.7082% | 3,463 |
| Net interest margin | 3.5507% | 2,153 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 3.0622% | 952 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.4101% | 3,988 |
| Return on assets (ROA) | 0.4101% | 3,992 |
| Pretax return on assets | 0.5173% | 3,937 |
| Return on Equity (ROE) | 3.0500% | 4,148 |
| Retained earnings to average equity (ytd only) | 3.0474% | 3,465 |
| Net charge-offs to loans | -0.0078% | 3,837 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.8574% | 604 |
| Assets per employee ($millions) | 5.2010% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 1,321 |
| Loan loss allowance to noncurrent loans | 91.8971% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1322% | 376 |
| Noncurrent loans to loans | 1.5853% | 412 |
| Net loans and leases to total assets | 70.3800% | 1,699 |
| Net loans and leases to deposits | 87.8049% | 1,360 |
| Net loans and leases to core deposits | 92.1661% | 1,674 |
| Total domestic deposits to total assets | 80.1500% | 3,556 |
| Equity capital to assets | 13.6019% | 700 |
| Core capital (leverage) ratio | 13.9999% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7116% | 324 |
| Memoranda: | ||
| Average total assets | $182,873,333 | 3,113 |
| Average earning assets | $168,022,333 | 3,123 |
| Average equity | $24,611,333 | 2,537 |
| Average total loans | $127,783,333 | 2,875 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 3,234 |
| Cost of funding earning assets | 0.5422% | 3,558 |
| Net interest margin | 3.5681% | 2,200 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 3.1687% | 839 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.3273% | 4,208 |
| Return on assets (ROA) | 0.3273% | 4,167 |
| Pretax return on assets | 0.4103% | 4,119 |
| Return on Equity (ROE) | 2.4500% | 4,245 |
| Retained earnings to average equity (ytd only) | 2.4453% | 3,615 |
| Net charge-offs to loans | 0.0095% | 1,589 |
| Credit loss provision to net charge-offs | 1,100.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 73.6667% | 930 |
| Efficiency ratio | 86.7902% | 475 |
| Assets per employee ($millions) | 5.4429% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 1,439 |
| Loan loss allowance to noncurrent loans | 75.0000% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.3358% | 265 |
| Noncurrent loans to loans | 1.9314% | 302 |
| Net loans and leases to total assets | 68.1600% | 1,819 |
| Net loans and leases to deposits | 85.6044% | 1,386 |
| Net loans and leases to core deposits | 89.0757% | 1,673 |
| Total domestic deposits to total assets | 79.6200% | 3,817 |
| Equity capital to assets | 13.3705% | 687 |
| Core capital (leverage) ratio | 13.8658% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4551% | 333 |
| Memoranda: | ||
| Average total assets | $183,293,000 | 3,152 |
| Average earning assets | $168,943,000 | 3,158 |
| Average equity | $24,537,000 | 2,570 |
| Average total loans | $126,673,000 | 2,912 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 2,858 |
| Cost of funding earning assets | 0.2316% | 3,501 |
| Net interest margin | 3.3470% | 2,429 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.9638% | 1,017 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.3611% | 4,296 |
| Return on assets (ROA) | 0.3611% | 4,261 |
| Pretax return on assets | 0.4816% | 4,193 |
| Return on Equity (ROE) | 2.7100% | 4,322 |
| Retained earnings to average equity (ytd only) | 2.7119% | 3,798 |
| Net charge-offs to loans | -0.0368% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.7029% | 458 |
| Assets per employee ($millions) | 5.3391% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,399 |
| Loan loss allowance to noncurrent loans | 79.3363% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.2450% | 296 |
| Noncurrent loans to loans | 1.8028% | 331 |
| Net loans and leases to total assets | 68.0700% | 1,821 |
| Net loans and leases to deposits | 82.8751% | 1,549 |
| Net loans and leases to core deposits | 85.5892% | 1,780 |
| Total domestic deposits to total assets | 82.1400% | 3,602 |
| Equity capital to assets | 13.4034% | 645 |
| Core capital (leverage) ratio | 14.1184% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5088% | 291 |
| Memoranda: | ||
| Average total assets | $180,851,000 | 3,184 |
| Average earning assets | $171,824,200 | 3,132 |
| Average equity | $24,079,000 | 2,631 |
| Average total loans | $114,223,000 | 2,986 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4803% | 2,682 |
| Cost of funding earning assets | 0.2277% | 2,951 |
| Net interest margin | 3.2526% | 2,448 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 3.0152% | 885 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.2767% | 4,405 |
| Return on assets (ROA) | 0.2767% | 4,363 |
| Pretax return on assets | 0.3527% | 4,327 |
| Return on Equity (ROE) | 2.0800% | 4,401 |
| Retained earnings to average equity (ytd only) | 2.0819% | 4,010 |
| Net charge-offs to loans | -0.0048% | 3,475 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.2887% | 378 |
| Assets per employee ($millions) | 5.2972% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 1,375 |
| Loan loss allowance to noncurrent loans | 81.9914% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.1654% | 366 |
| Noncurrent loans to loans | 1.7972% | 357 |
| Net loans and leases to total assets | 63.8900% | 2,100 |
| Net loans and leases to deposits | 74.1901% | 2,032 |
| Net loans and leases to core deposits | 76.5700% | 2,157 |
| Total domestic deposits to total assets | 86.1200% | 3,037 |
| Equity capital to assets | 13.1029% | 664 |
| Core capital (leverage) ratio | 13.6104% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3474% | 233 |
| Memoranda: | ||
| Average total assets | $180,681,500 | 3,201 |
| Average earning assets | $172,740,750 | 3,146 |
| Average equity | $24,016,000 | 2,687 |
| Average total loans | $111,439,000 | 3,029 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2673% | 2,849 |
| Cost of funding earning assets | 0.2346% | 2,448 |
| Net interest margin | 3.0327% | 2,793 |
| Noninterest income to average assets | 0.3019% | 3,351 |
| Noninterest expense to average assets | 2.9977% | 839 |
| Loan and lease loss provision to assets | 0.0343% | 1,962 |
| Net operating income to assets | 0.1327% | 4,486 |
| Return on assets (ROA) | 0.1327% | 4,452 |
| Pretax return on assets | 0.1714% | 4,436 |
| Return on Equity (ROE) | 0.9936% | 4,463 |
| Retained earnings to average equity (ytd only) | 0.9936% | 3,997 |
| Net charge-offs to loans | -0.0055% | 3,373 |
| Credit loss provision to net charge-offs | -1,033.3333% | 3,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5796% | 300 |
| Assets per employee ($millions) | 5.0754% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 1,377 |
| Loan loss allowance to noncurrent loans | 79.7732% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.1581% | 370 |
| Noncurrent loans to loans | 1.8929% | 351 |
| Net loans and leases to total assets | 60.2562% | 2,295 |
| Net loans and leases to deposits | 69.9595% | 2,208 |
| Net loans and leases to core deposits | 72.5940% | 2,276 |
| Total domestic deposits to total assets | 86.1302% | 3,213 |
| Equity capital to assets | 13.1239% | 645 |
| Core capital (leverage) ratio | 13.6953% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8492% | 211 |
| Memoranda: | ||
| Average total assets | $180,873,667 | 3,238 |
| Average earning assets | $173,047,000 | 3,187 |
| Average equity | $24,155,000 | 2,734 |
| Average total loans | $109,653,667 | 3,068 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2406% | 2,566 |
| Cost of funding earning assets | 0.2462% | 2,201 |
| Net interest margin | 2.9943% | 2,521 |
| Noninterest income to average assets | 0.3001% | 3,316 |
| Noninterest expense to average assets | 3.0786% | 710 |
| Loan and lease loss provision to assets | 0.0289% | 1,846 |
| Net operating income to assets | 0.0400% | 4,519 |
| Return on assets (ROA) | 0.0400% | 4,498 |
| Pretax return on assets | 0.0578% | 4,481 |
| Return on Equity (ROE) | 0.2970% | 4,504 |
| Retained earnings to average equity (ytd only) | 0.2970% | 3,957 |
| Net charge-offs to loans | -0.0074% | 3,479 |
| Credit loss provision to net charge-offs | -650.0000% | 3,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2612% | 293 |
| Assets per employee ($millions) | 5.2904% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 1,434 |
| Loan loss allowance to noncurrent loans | 135.3609% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 835 |
| Noncurrent loans to loans | 1.1350% | 786 |
| Net loans and leases to total assets | 59.4662% | 2,122 |
| Net loans and leases to deposits | 69.2210% | 2,035 |
| Net loans and leases to core deposits | 71.5156% | 2,151 |
| Total domestic deposits to total assets | 85.9078% | 3,290 |
| Equity capital to assets | 13.3462% | 632 |
| Core capital (leverage) ratio | 13.7023% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9768% | 191 |
| Memoranda: | ||
| Average total assets | $179,954,000 | 3,255 |
| Average earning assets | $172,192,000 | 3,210 |
| Average equity | $24,243,000 | 2,823 |
| Average total loans | $108,588,500 | 3,078 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6981% | 2,117 |
| Cost of funding earning assets | 0.3454% | 1,981 |
| Net interest margin | 3.3527% | 2,155 |
| Noninterest income to average assets | 0.3296% | 3,439 |
| Noninterest expense to average assets | 3.0094% | 961 |
| Loan and lease loss provision to assets | 0.0242% | 2,581 |
| Net operating income to assets | 0.3461% | 4,358 |
| Return on assets (ROA) | 0.3042% | 4,440 |
| Pretax return on assets | 0.4419% | 4,342 |
| Return on Equity (ROE) | 2.2172% | 4,475 |
| Retained earnings to average equity (ytd only) | 2.2172% | 3,918 |
| Net charge-offs to loans | 0.0099% | 2,186 |
| Credit loss provision to net charge-offs | 381.8182% | 935 |
| Earnings coverage of net charge-offs (x) | 81.9091% | 983 |
| Efficiency ratio | 85.2874% | 501 |
| Assets per employee ($millions) | 4.8658% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 1,470 |
| Loan loss allowance to noncurrent loans | 116.7255% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 765 |
| Noncurrent loans to loans | 1.3054% | 726 |
| Net loans and leases to total assets | 59.3720% | 2,219 |
| Net loans and leases to deposits | 69.3233% | 2,190 |
| Net loans and leases to core deposits | 71.7437% | 2,282 |
| Total domestic deposits to total assets | 85.6451% | 3,037 |
| Equity capital to assets | 13.5973% | 741 |
| Core capital (leverage) ratio | 13.7105% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7589% | 244 |
| Memoranda: | ||
| Average total assets | $173,557,800 | 3,265 |
| Average earning assets | $165,598,600 | 3,225 |
| Average equity | $23,814,200 | 2,926 |
| Average total loans | $110,618,400 | 3,072 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 2,011 |
| Cost of funding earning assets | 0.3611% | 2,008 |
| Net interest margin | 3.4393% | 2,045 |
| Noninterest income to average assets | 0.3311% | 3,448 |
| Noninterest expense to average assets | 2.9917% | 992 |
| Loan and lease loss provision to assets | 0.0302% | 2,388 |
| Net operating income to assets | 0.4502% | 4,298 |
| Return on assets (ROA) | 0.4141% | 4,384 |
| Pretax return on assets | 0.5428% | 4,312 |
| Return on Equity (ROE) | 3.0108% | 4,463 |
| Retained earnings to average equity (ytd only) | 3.0108% | 3,905 |
| Net charge-offs to loans | 0.0192% | 1,669 |
| Credit loss provision to net charge-offs | 243.7500% | 1,117 |
| Earnings coverage of net charge-offs (x) | 49.8750% | 1,243 |
| Efficiency ratio | 82.8608% | 588 |
| Assets per employee ($millions) | 5.0954% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 1,533 |
| Loan loss allowance to noncurrent loans | 97.8597% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.9169% | 744 |
| Noncurrent loans to loans | 1.5589% | 667 |
| Net loans and leases to total assets | 57.9213% | 2,504 |
| Net loans and leases to deposits | 67.4942% | 2,484 |
| Net loans and leases to core deposits | 70.5414% | 2,546 |
| Total domestic deposits to total assets | 85.8168% | 2,814 |
| Equity capital to assets | 13.0733% | 963 |
| Core capital (leverage) ratio | 13.4680% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1310% | 252 |
| Memoranda: | ||
| Average total assets | $171,938,250 | 3,309 |
| Average earning assets | $163,942,250 | 3,272 |
| Average equity | $23,647,750 | 2,969 |
| Average total loans | $111,136,750 | 3,100 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 1,623 |
| Cost of funding earning assets | 0.3759% | 2,080 |
| Net interest margin | 3.6020% | 1,590 |
| Noninterest income to average assets | 0.3450% | 3,381 |
| Noninterest expense to average assets | 3.0017% | 980 |
| Loan and lease loss provision to assets | 0.0428% | 2,152 |
| Net operating income to assets | 0.5556% | 4,091 |
| Return on assets (ROA) | 0.5152% | 4,229 |
| Pretax return on assets | 0.6805% | 4,103 |
| Return on Equity (ROE) | 3.6794% | 4,380 |
| Retained earnings to average equity (ytd only) | 3.6794% | 3,625 |
| Net charge-offs to loans | 0.0071% | 1,876 |
| Credit loss provision to net charge-offs | 900.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 162.7500% | 563 |
| Efficiency ratio | 79.4896% | 817 |
| Assets per employee ($millions) | 4.8438% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 1,615 |
| Loan loss allowance to noncurrent loans | 74.6168% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.2720% | 515 |
| Noncurrent loans to loans | 1.9995% | 491 |
| Net loans and leases to total assets | 62.6652% | 2,100 |
| Net loans and leases to deposits | 73.5380% | 2,042 |
| Net loans and leases to core deposits | 77.1947% | 2,120 |
| Total domestic deposits to total assets | 85.2147% | 3,009 |
| Equity capital to assets | 13.6389% | 800 |
| Core capital (leverage) ratio | 14.2820% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8539% | 251 |
| Memoranda: | ||
| Average total assets | $168,106,000 | 3,359 |
| Average earning assets | $160,134,000 | 3,308 |
| Average equity | $23,536,667 | 2,970 |
| Average total loans | $112,217,667 | 3,095 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1677% | 1,256 |
| Cost of funding earning assets | 0.3824% | 2,240 |
| Net interest margin | 3.7854% | 1,173 |
| Noninterest income to average assets | 0.3055% | 3,586 |
| Noninterest expense to average assets | 2.9751% | 1,039 |
| Loan and lease loss provision to assets | 0.0800% | 1,618 |
| Net operating income to assets | 0.6248% | 3,879 |
| Return on assets (ROA) | 0.4486% | 4,314 |
| Pretax return on assets | 0.6280% | 4,151 |
| Return on Equity (ROE) | 3.1606% | 4,444 |
| Retained earnings to average equity (ytd only) | 3.1606% | 3,732 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1639% | 1,120 |
| Assets per employee ($millions) | 4.9875% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 1,692 |
| Loan loss allowance to noncurrent loans | 74.6619% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.3080% | 538 |
| Noncurrent loans to loans | 1.9758% | 552 |
| Net loans and leases to total assets | 65.2221% | 1,898 |
| Net loans and leases to deposits | 76.9586% | 1,804 |
| Net loans and leases to core deposits | 80.4804% | 1,960 |
| Total domestic deposits to total assets | 84.7496% | 3,208 |
| Equity capital to assets | 13.8534% | 700 |
| Core capital (leverage) ratio | 14.6519% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5502% | 263 |
| Memoranda: | ||
| Average total assets | $164,971,000 | 3,385 |
| Average earning assets | $156,920,500 | 3,342 |
| Average equity | $23,413,500 | 2,967 |
| Average total loans | $112,862,500 | 3,087 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3773% | 1,648 |
| Cost of funding earning assets | 0.4130% | 3,503 |
| Net interest margin | 3.9644% | 1,053 |
| Noninterest income to average assets | 0.2989% | 3,689 |
| Noninterest expense to average assets | 3.2016% | 1,056 |
| Loan and lease loss provision to assets | 0.1753% | 2,194 |
| Net operating income to assets | 0.5068% | 4,013 |
| Return on assets (ROA) | 0.5068% | 4,096 |
| Pretax return on assets | 0.6650% | 3,953 |
| Return on Equity (ROE) | 3.2295% | 4,320 |
| Retained earnings to average equity (ytd only) | 3.2295% | 3,214 |
| Net charge-offs to loans | 0.0643% | 1,855 |
| Credit loss provision to net charge-offs | 348.6486% | 1,586 |
| Earnings coverage of net charge-offs (x) | 16.7162% | 2,114 |
| Efficiency ratio | 79.2101% | 940 |
| Assets per employee ($millions) | 4.7166% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,850 |
| Loan loss allowance to noncurrent loans | 62.1033% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.6306% | 419 |
| Noncurrent loans to loans | 2.3046% | 462 |
| Net loans and leases to total assets | 69.7430% | 1,595 |
| Net loans and leases to deposits | 82.8529% | 1,565 |
| Net loans and leases to core deposits | 86.7344% | 1,809 |
| Total domestic deposits to total assets | 84.1768% | 3,059 |
| Equity capital to assets | 14.5511% | 667 |
| Core capital (leverage) ratio | 15.2473% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0820% | 231 |
| Memoranda: | ||
| Average total assets | $147,208,600 | 3,432 |
| Average earning assets | $138,988,600 | 3,391 |
| Average equity | $23,099,600 | 2,931 |
| Average total loans | $115,059,600 | 3,032 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 1,569 |
| Cost of funding earning assets | 0.4107% | 3,765 |
| Net interest margin | 4.0906% | 913 |
| Noninterest income to average assets | 0.2937% | 3,725 |
| Noninterest expense to average assets | 3.1693% | 1,123 |
| Loan and lease loss provision to assets | 0.1807% | 2,177 |
| Net operating income to assets | 0.6522% | 3,621 |
| Return on assets (ROA) | 0.6522% | 3,723 |
| Pretax return on assets | 0.8004% | 3,643 |
| Return on Equity (ROE) | 4.0738% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.0738% | 3,008 |
| Net charge-offs to loans | 0.0797% | 1,510 |
| Credit loss provision to net charge-offs | 282.6087% | 1,817 |
| Earnings coverage of net charge-offs (x) | 15.3478% | 2,107 |
| Efficiency ratio | 76.3616% | 1,176 |
| Assets per employee ($millions) | 4.5434% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 1,931 |
| Loan loss allowance to noncurrent loans | 61.9462% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.6566% | 487 |
| Noncurrent loans to loans | 2.1873% | 536 |
| Net loans and leases to total assets | 73.8039% | 1,399 |
| Net loans and leases to deposits | 88.2062% | 1,460 |
| Net loans and leases to core deposits | 92.1412% | 1,784 |
| Total domestic deposits to total assets | 83.6720% | 2,936 |
| Equity capital to assets | 15.1569% | 603 |
| Core capital (leverage) ratio | 15.6673% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9961% | 257 |
| Memoranda: | ||
| Average total assets | $143,919,250 | 3,457 |
| Average earning assets | $135,691,250 | 3,417 |
| Average equity | $23,040,750 | 2,933 |
| Average total loans | $115,457,500 | 3,036 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 1,632 |
| Cost of funding earning assets | 0.4102% | 3,996 |
| Net interest margin | 4.1990% | 924 |
| Noninterest income to average assets | 0.2920% | 3,720 |
| Noninterest expense to average assets | 3.2650% | 1,053 |
| Loan and lease loss provision to assets | 0.1795% | 2,225 |
| Net operating income to assets | 0.6311% | 3,636 |
| Return on assets (ROA) | 0.6311% | 3,720 |
| Pretax return on assets | 0.7991% | 3,587 |
| Return on Equity (ROE) | 3.8662% | 4,144 |
| Retained earnings to average equity (ytd only) | 3.8662% | 2,978 |
| Net charge-offs to loans | 0.0312% | 2,100 |
| Credit loss provision to net charge-offs | 700.0000% | 1,003 |
| Earnings coverage of net charge-offs (x) | 38.1667% | 1,284 |
| Efficiency ratio | 76.9386% | 1,163 |
| Assets per employee ($millions) | 4.2455% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 1,790 |
| Loan loss allowance to noncurrent loans | 56.7498% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.8345% | 424 |
| Noncurrent loans to loans | 2.3740% | 514 |
| Net loans and leases to total assets | 76.2344% | 1,098 |
| Net loans and leases to deposits | 91.6171% | 1,200 |
| Net loans and leases to core deposits | 95.4789% | 1,615 |
| Total domestic deposits to total assets | 83.2098% | 3,026 |
| Equity capital to assets | 15.5714% | 531 |
| Core capital (leverage) ratio | 16.2042% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4076% | 255 |
| Memoranda: | ||
| Average total assets | $140,400,000 | 3,478 |
| Average earning assets | $132,126,667 | 3,446 |
| Average equity | $22,916,333 | 2,933 |
| Average total loans | $115,418,000 | 3,029 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9235% | 1,134 |
| Cost of funding earning assets | 0.4126% | 4,319 |
| Net interest margin | 4.5108% | 490 |
| Noninterest income to average assets | 0.2905% | 3,786 |
| Noninterest expense to average assets | 3.4335% | 1,027 |
| Loan and lease loss provision to assets | 0.0528% | 3,113 |
| Net operating income to assets | 0.8217% | 2,827 |
| Return on assets (ROA) | 0.8217% | 2,915 |
| Pretax return on assets | 1.0389% | 2,704 |
| Return on Equity (ROE) | 4.9111% | 3,662 |
| Retained earnings to average equity (ytd only) | 4.9111% | 2,312 |
| Net charge-offs to loans | -0.0173% | 4,281 |
| Credit loss provision to net charge-offs | -360.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8755% | 1,575 |
| Assets per employee ($millions) | 3.8265% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 2,233 |
| Loan loss allowance to noncurrent loans | 51.3523% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 2.0667% | 393 |
| Noncurrent loans to loans | 2.4956% | 483 |
| Net loans and leases to total assets | 81.7537% | 462 |
| Net loans and leases to deposits | 99.7732% | 572 |
| Net loans and leases to core deposits | 103.9045% | 1,192 |
| Total domestic deposits to total assets | 81.9395% | 3,441 |
| Equity capital to assets | 16.6703% | 486 |
| Core capital (leverage) ratio | 17.3034% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2542% | 260 |
| Memoranda: | ||
| Average total assets | $136,303,500 | 3,500 |
| Average earning assets | $127,959,000 | 3,471 |
| Average equity | $22,805,500 | 2,939 |
| Average total loans | $115,714,000 | 3,005 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0562% | 1,325 |
| Cost of funding earning assets | 0.3910% | 4,471 |
| Net interest margin | 4.6652% | 504 |
| Noninterest income to average assets | 0.4223% | 3,164 |
| Noninterest expense to average assets | 3.4522% | 1,030 |
| Loan and lease loss provision to assets | 0.0981% | 2,090 |
| Net operating income to assets | 1.0194% | 2,775 |
| Return on assets (ROA) | 1.0194% | 2,866 |
| Pretax return on assets | 1.2900% | 2,536 |
| Return on Equity (ROE) | 6.1872% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.1872% | 1,774 |
| Net charge-offs to loans | -0.0370% | 4,760 |
| Credit loss provision to net charge-offs | -306.9767% | 4,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3210% | 1,972 |
| Assets per employee ($millions) | 3.6422% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,298 |
| Loan loss allowance to noncurrent loans | 49.4336% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.1616% | 349 |
| Noncurrent loans to loans | 2.4824% | 437 |
| Net loans and leases to total assets | 86.0080% | 162 |
| Net loans and leases to deposits | 105.0558% | 334 |
| Net loans and leases to core deposits | 108.4733% | 944 |
| Total domestic deposits to total assets | 81.8689% | 3,540 |
| Equity capital to assets | 16.9394% | 475 |
| Core capital (leverage) ratio | 17.3682% | 382 |
| Tier 1 risk-based capital ratio | 28.6370% | 529 |
| Total risk-based capital ratio | 29.8932% | 519 |
| Memoranda: | ||
| Average total assets | $134,492,000 | 3,512 |
| Average earning assets | $127,368,000 | 3,466 |
| Average equity | $22,158,600 | 2,946 |
| Average total loans | $116,168,400 | 2,992 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0257% | 1,475 |
| Cost of funding earning assets | 0.3794% | 4,564 |
| Net interest margin | 4.6464% | 555 |
| Noninterest income to average assets | 0.4315% | 3,133 |
| Noninterest expense to average assets | 3.3495% | 1,182 |
| Loan and lease loss provision to assets | 0.0982% | 1,950 |
| Net operating income to assets | 1.1010% | 2,565 |
| Return on assets (ROA) | 1.1010% | 2,659 |
| Pretax return on assets | 1.3936% | 2,335 |
| Return on Equity (ROE) | 6.7298% | 3,800 |
| Retained earnings to average equity (ytd only) | 6.7298% | 1,994 |
| Net charge-offs to loans | -0.0713% | 4,918 |
| Credit loss provision to net charge-offs | -159.6774% | 4,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1866% | 2,226 |
| Assets per employee ($millions) | 3.6693% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,472 |
| Loan loss allowance to noncurrent loans | 34.6621% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 3.0833% | 177 |
| Noncurrent loans to loans | 3.4822% | 235 |
| Net loans and leases to total assets | 85.9726% | 194 |
| Net loans and leases to deposits | 104.7926% | 369 |
| Net loans and leases to core deposits | 107.9083% | 1,059 |
| Total domestic deposits to total assets | 82.0408% | 3,471 |
| Equity capital to assets | 16.6194% | 538 |
| Core capital (leverage) ratio | 16.9765% | 448 |
| Tier 1 risk-based capital ratio | 28.4310% | 547 |
| Total risk-based capital ratio | 29.6861% | 534 |
| Memoranda: | ||
| Average total assets | $134,424,250 | 3,548 |
| Average earning assets | $127,580,250 | 3,492 |
| Average equity | $21,991,250 | 2,985 |
| Average total loans | $115,873,750 | 3,024 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0057% | 1,471 |
| Cost of funding earning assets | 0.3680% | 4,626 |
| Net interest margin | 4.6377% | 568 |
| Noninterest income to average assets | 0.4225% | 3,116 |
| Noninterest expense to average assets | 3.3140% | 1,261 |
| Loan and lease loss provision to assets | 0.0985% | 1,896 |
| Net operating income to assets | 1.1151% | 2,463 |
| Return on assets (ROA) | 1.1151% | 2,537 |
| Pretax return on assets | 1.4122% | 2,159 |
| Return on Equity (ROE) | 6.8530% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.8530% | 1,877 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6881% | 2,420 |
| Assets per employee ($millions) | 3.7120% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 2,789 |
| Loan loss allowance to noncurrent loans | 36.1783% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 2.8069% | 236 |
| Noncurrent loans to loans | 3.1794% | 305 |
| Net loans and leases to total assets | 85.5956% | 246 |
| Net loans and leases to deposits | 105.2349% | 370 |
| Net loans and leases to core deposits | 108.3767% | 1,074 |
| Total domestic deposits to total assets | 81.3377% | 3,713 |
| Equity capital to assets | 16.6097% | 514 |
| Core capital (leverage) ratio | 17.3259% | 397 |
| Tier 1 risk-based capital ratio | 28.5553% | 538 |
| Total risk-based capital ratio | 29.8097% | 527 |
| Memoranda: | ||
| Average total assets | $133,978,000 | 3,569 |
| Average earning assets | $127,176,000 | 3,516 |
| Average equity | $21,800,670 | 2,991 |
| Average total loans | $115,116,670 | 3,050 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0143% | 1,307 |
| Cost of funding earning assets | 0.3362% | 4,721 |
| Net interest margin | 4.6781% | 518 |
| Noninterest income to average assets | 0.4204% | 3,048 |
| Noninterest expense to average assets | 3.3306% | 1,228 |
| Loan and lease loss provision to assets | 0.0984% | 1,778 |
| Net operating income to assets | 1.1301% | 2,351 |
| Return on assets (ROA) | 1.1301% | 2,398 |
| Pretax return on assets | 1.4312% | 1,985 |
| Return on Equity (ROE) | 7.0175% | 3,677 |
| Retained earnings to average equity (ytd only) | 7.0175% | 2,036 |
| Net charge-offs to loans | 0.0035% | 2,610 |
| Credit loss provision to net charge-offs | 3,300.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 513.0000% | 145 |
| Efficiency ratio | 68.5276% | 2,562 |
| Assets per employee ($millions) | 3.7302% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 2,965 |
| Loan loss allowance to noncurrent loans | 40.3110% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 2.4477% | 321 |
| Noncurrent loans to loans | 2.8053% | 420 |
| Net loans and leases to total assets | 84.3769% | 339 |
| Net loans and leases to deposits | 105.2549% | 348 |
| Net loans and leases to core deposits | 107.2911% | 1,084 |
| Total domestic deposits to total assets | 80.1643% | 4,149 |
| Equity capital to assets | 16.2360% | 542 |
| Core capital (leverage) ratio | 16.8247% | 443 |
| Tier 1 risk-based capital ratio | 28.4369% | 537 |
| Total risk-based capital ratio | 29.6913% | 531 |
| Memoranda: | ||
| Average total assets | $134,150,500 | 3,606 |
| Average earning assets | $127,316,500 | 3,555 |
| Average equity | $21,603,000 | 3,015 |
| Average total loans | $114,817,500 | 3,082 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8104% | 1,527 |
| Cost of funding earning assets | 0.2975% | 4,583 |
| Net interest margin | 4.5128% | 741 |
| Noninterest income to average assets | 0.4350% | 3,201 |
| Noninterest expense to average assets | 3.4401% | 1,088 |
| Loan and lease loss provision to assets | 0.1020% | 2,153 |
| Net operating income to assets | 0.9041% | 3,426 |
| Return on assets (ROA) | 0.9041% | 3,417 |
| Pretax return on assets | 1.1706% | 3,011 |
| Return on Equity (ROE) | 5.5828% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.5828% | 2,427 |
| Net charge-offs to loans | 0.0729% | 2,076 |
| Credit loss provision to net charge-offs | 165.0000% | 1,689 |
| Earnings coverage of net charge-offs (x) | 20.5875% | 1,988 |
| Efficiency ratio | 72.9956% | 1,761 |
| Assets per employee ($millions) | 3.8289% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,102 |
| Loan loss allowance to noncurrent loans | 37.8629% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.5468% | 292 |
| Noncurrent loans to loans | 2.9044% | 360 |
| Net loans and leases to total assets | 84.8918% | 327 |
| Net loans and leases to deposits | 104.9550% | 425 |
| Net loans and leases to core deposits | 106.7253% | 1,212 |
| Total domestic deposits to total assets | 80.8839% | 3,920 |
| Equity capital to assets | 15.9708% | 537 |
| Core capital (leverage) ratio | 16.6066% | 448 |
| Tier 1 risk-based capital ratio | 27.6603% | 586 |
| Total risk-based capital ratio | 28.9139% | 576 |
| Memoranda: | ||
| Average total assets | $129,415,400 | 3,655 |
| Average earning assets | $122,672,400 | 3,607 |
| Average equity | $20,957,400 | 3,000 |
| Average total loans | $109,705,600 | 3,135 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 1,438 |
| Cost of funding earning assets | 0.2938% | 4,561 |
| Net interest margin | 4.5019% | 735 |
| Noninterest income to average assets | 0.4366% | 3,244 |
| Noninterest expense to average assets | 3.3419% | 1,218 |
| Loan and lease loss provision to assets | 0.1029% | 1,947 |
| Net operating income to assets | 0.9958% | 3,101 |
| Return on assets (ROA) | 0.9958% | 3,113 |
| Pretax return on assets | 1.2599% | 2,773 |
| Return on Equity (ROE) | 6.1273% | 4,233 |
| Retained earnings to average equity (ytd only) | 6.1273% | 2,593 |
| Net charge-offs to loans | 0.0627% | 1,931 |
| Credit loss provision to net charge-offs | 194.1176% | 1,416 |
| Earnings coverage of net charge-offs (x) | 25.7053% | 1,764 |
| Efficiency ratio | 71.0340% | 2,034 |
| Assets per employee ($millions) | 3.8412% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 2,918 |
| Loan loss allowance to noncurrent loans | 55.6242% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.8522% | 611 |
| Noncurrent loans to loans | 2.0636% | 698 |
| Net loans and leases to total assets | 83.1488% | 547 |
| Net loans and leases to deposits | 100.7253% | 724 |
| Net loans and leases to core deposits | 102.4288% | 1,572 |
| Total domestic deposits to total assets | 82.5500% | 3,452 |
| Equity capital to assets | 16.3198% | 486 |
| Core capital (leverage) ratio | 16.7664% | 438 |
| Tier 1 risk-based capital ratio | 28.7185% | 533 |
| Total risk-based capital ratio | 29.9723% | 525 |
| Memoranda: | ||
| Average total assets | $128,266,000 | 3,703 |
| Average earning assets | $121,603,750 | 3,655 |
| Average equity | $20,846,000 | 3,035 |
| Average total loans | $108,374,250 | 3,184 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 1,357 |
| Cost of funding earning assets | 0.2914% | 4,479 |
| Net interest margin | 4.4681% | 739 |
| Noninterest income to average assets | 0.4204% | 3,348 |
| Noninterest expense to average assets | 3.2944% | 1,337 |
| Loan and lease loss provision to assets | 0.1035% | 1,877 |
| Net operating income to assets | 0.9930% | 3,057 |
| Return on assets (ROA) | 0.9930% | 3,055 |
| Pretax return on assets | 1.2566% | 2,696 |
| Return on Equity (ROE) | 6.1189% | 4,187 |
| Retained earnings to average equity (ytd only) | 6.1189% | 2,492 |
| Net charge-offs to loans | 0.0408% | 2,045 |
| Credit loss provision to net charge-offs | 300.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 39.4091% | 1,315 |
| Efficiency ratio | 70.7786% | 2,199 |
| Assets per employee ($millions) | 3.7716% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 2,964 |
| Loan loss allowance to noncurrent loans | 57.8269% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.7499% | 688 |
| Noncurrent loans to loans | 1.9932% | 755 |
| Net loans and leases to total assets | 83.9964% | 458 |
| Net loans and leases to deposits | 102.8149% | 607 |
| Net loans and leases to core deposits | 104.6001% | 1,346 |
| Total domestic deposits to total assets | 81.6967% | 3,814 |
| Equity capital to assets | 16.3724% | 456 |
| Core capital (leverage) ratio | 17.0642% | 388 |
| Tier 1 risk-based capital ratio | 28.5790% | 534 |
| Total risk-based capital ratio | 29.8336% | 529 |
| Memoranda: | ||
| Average total assets | $127,487,330 | 3,740 |
| Average earning assets | $120,811,000 | 3,693 |
| Average equity | $20,690,000 | 3,066 |
| Average total loans | $107,880,670 | 3,203 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7903% | 1,102 |
| Cost of funding earning assets | 0.2890% | 4,423 |
| Net interest margin | 4.5013% | 619 |
| Noninterest income to average assets | 0.3965% | 3,496 |
| Noninterest expense to average assets | 3.3513% | 1,248 |
| Loan and lease loss provision to assets | 0.1038% | 1,787 |
| Net operating income to assets | 0.9535% | 3,059 |
| Return on assets (ROA) | 0.9535% | 3,079 |
| Pretax return on assets | 1.2052% | 2,728 |
| Return on Equity (ROE) | 5.9014% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.9014% | 2,757 |
| Net charge-offs to loans | -0.0596% | 5,045 |
| Credit loss provision to net charge-offs | -206.2500% | 3,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9109% | 2,209 |
| Assets per employee ($millions) | 3.7421% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,976 |
| Loan loss allowance to noncurrent loans | 80.5236% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2308% | 1,222 |
| Noncurrent loans to loans | 1.4533% | 1,219 |
| Net loans and leases to total assets | 83.7004% | 467 |
| Net loans and leases to deposits | 101.7427% | 600 |
| Net loans and leases to core deposits | 103.7691% | 1,392 |
| Total domestic deposits to total assets | 82.2668% | 3,882 |
| Equity capital to assets | 16.2493% | 467 |
| Core capital (leverage) ratio | 16.8399% | 403 |
| Tier 1 risk-based capital ratio | 28.5434% | 534 |
| Total risk-based capital ratio | 29.7984% | 528 |
| Memoranda: | ||
| Average total assets | $127,114,000 | 3,778 |
| Average earning assets | $120,410,000 | 3,740 |
| Average equity | $20,537,500 | 3,104 |
| Average total loans | $107,337,000 | 3,241 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6189% | 1,375 |
| Cost of funding earning assets | 0.3043% | 4,092 |
| Net interest margin | 4.3146% | 936 |
| Noninterest income to average assets | 0.4416% | 3,361 |
| Noninterest expense to average assets | 3.3043% | 1,370 |
| Loan and lease loss provision to assets | 0.1224% | 1,869 |
| Net operating income to assets | 0.8290% | 3,039 |
| Return on assets (ROA) | 0.8290% | 3,076 |
| Pretax return on assets | 1.1184% | 3,109 |
| Return on Equity (ROE) | 5.3371% | 4,028 |
| Retained earnings to average equity (ytd only) | 5.3371% | 1,906 |
| Net charge-offs to loans | 0.0433% | 2,927 |
| Credit loss provision to net charge-offs | 339.1304% | 855 |
| Earnings coverage of net charge-offs (x) | 34.3913% | 1,399 |
| Efficiency ratio | 72.7006% | 2,122 |
| Assets per employee ($millions) | 3.6285% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 3,161 |
| Loan loss allowance to noncurrent loans | 56.3459% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.6937% | 758 |
| Noncurrent loans to loans | 2.0118% | 757 |
| Net loans and leases to total assets | 83.2367% | 522 |
| Net loans and leases to deposits | 100.9888% | 662 |
| Net loans and leases to core deposits | 103.2496% | 1,467 |
| Total domestic deposits to total assets | 82.4218% | 3,751 |
| Equity capital to assets | 16.0640% | 508 |
| Core capital (leverage) ratio | 16.4076% | 427 |
| Tier 1 risk-based capital ratio | 27.7054% | 559 |
| Total risk-based capital ratio | 28.9622% | 544 |
| Memoranda: | ||
| Average total assets | $127,499,800 | 3,790 |
| Average earning assets | $121,261,400 | 3,721 |
| Average equity | $19,804,800 | 3,167 |
| Average total loans | $106,179,000 | 3,245 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 1,389 |
| Cost of funding earning assets | 0.3006% | 4,128 |
| Net interest margin | 4.2922% | 943 |
| Noninterest income to average assets | 0.4565% | 3,300 |
| Noninterest expense to average assets | 3.2427% | 1,472 |
| Loan and lease loss provision to assets | 0.1034% | 2,045 |
| Net operating income to assets | 0.8055% | 3,502 |
| Return on assets (ROA) | 0.8055% | 3,546 |
| Pretax return on assets | 1.1983% | 2,913 |
| Return on Equity (ROE) | 5.2299% | 4,433 |
| Retained earnings to average equity (ytd only) | 5.2299% | 2,721 |
| Net charge-offs to loans | -0.0679% | 5,264 |
| Credit loss provision to net charge-offs | -183.3333% | 4,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3563% | 2,310 |
| Assets per employee ($millions) | 3.7508% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 3,089 |
| Loan loss allowance to noncurrent loans | 106.8085% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.8950% | 1,914 |
| Noncurrent loans to loans | 1.0954% | 1,755 |
| Net loans and leases to total assets | 80.7502% | 880 |
| Net loans and leases to deposits | 97.9551% | 922 |
| Net loans and leases to core deposits | 100.0812% | 1,699 |
| Total domestic deposits to total assets | 82.4359% | 3,649 |
| Equity capital to assets | 15.2850% | 677 |
| Core capital (leverage) ratio | 15.6446% | 549 |
| Tier 1 risk-based capital ratio | 27.0736% | 619 |
| Total risk-based capital ratio | 28.3309% | 606 |
| Memoranda: | ||
| Average total assets | $127,625,250 | 3,819 |
| Average earning assets | $121,550,250 | 3,759 |
| Average equity | $19,655,750 | 3,202 |
| Average total loans | $105,993,500 | 3,273 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6008% | 1,248 |
| Cost of funding earning assets | 0.3003% | 4,078 |
| Net interest margin | 4.3005% | 860 |
| Noninterest income to average assets | 0.4984% | 3,038 |
| Noninterest expense to average assets | 3.3748% | 1,216 |
| Loan and lease loss provision to assets | 0.1044% | 1,941 |
| Net operating income to assets | 0.7468% | 3,646 |
| Return on assets (ROA) | 0.7468% | 3,706 |
| Pretax return on assets | 1.1202% | 3,089 |
| Return on Equity (ROE) | 4.8363% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.8363% | 2,820 |
| Net charge-offs to loans | -0.1023% | 5,417 |
| Credit loss provision to net charge-offs | -122.2222% | 4,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3746% | 2,114 |
| Assets per employee ($millions) | 3.5476% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 3,243 |
| Loan loss allowance to noncurrent loans | 84.8022% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.1549% | 1,492 |
| Noncurrent loans to loans | 1.3688% | 1,415 |
| Net loans and leases to total assets | 81.4755% | 750 |
| Net loans and leases to deposits | 98.6200% | 832 |
| Net loans and leases to core deposits | 100.8099% | 1,594 |
| Total domestic deposits to total assets | 82.6156% | 3,679 |
| Equity capital to assets | 15.4723% | 620 |
| Core capital (leverage) ratio | 15.9858% | 480 |
| Tier 1 risk-based capital ratio | 27.2796% | 593 |
| Total risk-based capital ratio | 28.5369% | 581 |
| Memoranda: | ||
| Average total assets | $126,407,330 | 3,862 |
| Average earning assets | $120,543,000 | 3,797 |
| Average equity | $19,519,000 | 3,214 |
| Average total loans | $105,570,330 | 3,288 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 1,309 |
| Cost of funding earning assets | 0.2905% | 4,139 |
| Net interest margin | 4.2370% | 913 |
| Noninterest income to average assets | 0.4930% | 3,024 |
| Noninterest expense to average assets | 3.3462% | 1,297 |
| Loan and lease loss provision to assets | 0.1050% | 1,821 |
| Net operating income to assets | 0.7189% | 3,622 |
| Return on assets (ROA) | 0.7189% | 3,663 |
| Pretax return on assets | 1.0783% | 3,067 |
| Return on Equity (ROE) | 4.6602% | 4,538 |
| Retained earnings to average equity (ytd only) | 4.6602% | 3,086 |
| Net charge-offs to loans | 0.0643% | 1,689 |
| Credit loss provision to net charge-offs | 194.1176% | 1,028 |
| Earnings coverage of net charge-offs (x) | 21.8824% | 1,437 |
| Efficiency ratio | 73.8764% | 2,254 |
| Assets per employee ($millions) | 3.5198% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 3,919 |
| Loan loss allowance to noncurrent loans | 90.1613% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.0259% | 1,774 |
| Noncurrent loans to loans | 1.1783% | 1,725 |
| Net loans and leases to total assets | 82.1659% | 547 |
| Net loans and leases to deposits | 99.7844% | 627 |
| Net loans and leases to core deposits | 101.5697% | 1,396 |
| Total domestic deposits to total assets | 82.3434% | 4,073 |
| Equity capital to assets | 15.3987% | 578 |
| Core capital (leverage) ratio | 15.9815% | 462 |
| Tier 1 risk-based capital ratio | 27.2373% | 613 |
| Total risk-based capital ratio | 28.4929% | 598 |
| Memoranda: | ||
| Average total assets | $125,755,000 | 3,906 |
| Average earning assets | $119,803,000 | 3,838 |
| Average equity | $19,398,500 | 3,238 |
| Average total loans | $105,717,500 | 3,304 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 1,351 |
| Cost of funding earning assets | 0.3209% | 3,837 |
| Net interest margin | 4.2518% | 1,011 |
| Noninterest income to average assets | 0.4178% | 3,756 |
| Noninterest expense to average assets | 3.6049% | 1,010 |
| Loan and lease loss provision to assets | 0.1557% | 1,597 |
| Net operating income to assets | 0.4226% | 4,867 |
| Return on assets (ROA) | 0.4226% | 4,950 |
| Pretax return on assets | 0.7195% | 4,426 |
| Return on Equity (ROE) | 2.7277% | 5,232 |
| Retained earnings to average equity (ytd only) | 2.7277% | 3,960 |
| Net charge-offs to loans | 0.0276% | 3,479 |
| Credit loss provision to net charge-offs | 662.0690% | 526 |
| Earnings coverage of net charge-offs (x) | 37.2069% | 1,240 |
| Efficiency ratio | 80.4635% | 1,364 |
| Assets per employee ($millions) | 3.4666% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 4,091 |
| Loan loss allowance to noncurrent loans | 95.0000% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.9776% | 1,937 |
| Noncurrent loans to loans | 1.0922% | 1,910 |
| Net loans and leases to total assets | 84.2169% | 367 |
| Net loans and leases to deposits | 100.9228% | 608 |
| Net loans and leases to core deposits | 102.7260% | 1,389 |
| Total domestic deposits to total assets | 83.4469% | 3,616 |
| Equity capital to assets | 15.4530% | 573 |
| Core capital (leverage) ratio | 15.7667% | 488 |
| Tier 1 risk-based capital ratio | 26.6620% | 646 |
| Total risk-based capital ratio | 27.9175% | 630 |
| Memoranda: | ||
| Average total assets | $123,275,400 | 3,936 |
| Average earning assets | $117,784,800 | 3,870 |
| Average equity | $19,100,000 | 3,259 |
| Average total loans | $104,936,400 | 3,300 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 1,370 |
| Cost of funding earning assets | 0.3199% | 3,870 |
| Net interest margin | 4.2465% | 1,033 |
| Noninterest income to average assets | 0.4025% | 3,907 |
| Noninterest expense to average assets | 3.4641% | 1,215 |
| Loan and lease loss provision to assets | 0.1562% | 1,487 |
| Net operating income to assets | 0.5642% | 4,437 |
| Return on assets (ROA) | 0.5642% | 4,539 |
| Pretax return on assets | 0.8441% | 4,176 |
| Return on Equity (ROE) | 3.6388% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.6388% | 3,712 |
| Net charge-offs to loans | 0.0370% | 2,887 |
| Credit loss provision to net charge-offs | 496.5517% | 715 |
| Earnings coverage of net charge-offs (x) | 31.7895% | 1,430 |
| Efficiency ratio | 77.5942% | 1,753 |
| Assets per employee ($millions) | 3.9058% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 4,404 |
| Loan loss allowance to noncurrent loans | 70.4075% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.1770% | 1,699 |
| Noncurrent loans to loans | 1.4210% | 1,536 |
| Net loans and leases to total assets | 78.5388% | 1,111 |
| Net loans and leases to deposits | 92.8670% | 1,387 |
| Net loans and leases to core deposits | 94.4078% | 2,156 |
| Total domestic deposits to total assets | 84.5713% | 3,002 |
| Equity capital to assets | 14.5529% | 855 |
| Core capital (leverage) ratio | 15.8086% | 511 |
| Tier 1 risk-based capital ratio | 26.8724% | 648 |
| Total risk-based capital ratio | 28.1271% | 632 |
| Memoranda: | ||
| Average total assets | $122,894,750 | 3,967 |
| Average earning assets | $117,551,750 | 3,897 |
| Average equity | $19,053,750 | 3,287 |
| Average total loans | $104,619,750 | 3,316 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6348% | 1,194 |
| Cost of funding earning assets | 0.3291% | 3,805 |
| Net interest margin | 4.3058% | 913 |
| Noninterest income to average assets | 0.3997% | 3,870 |
| Noninterest expense to average assets | 3.5587% | 1,070 |
| Loan and lease loss provision to assets | 0.1605% | 1,417 |
| Net operating income to assets | 0.5301% | 4,560 |
| Return on assets (ROA) | 0.5301% | 4,681 |
| Pretax return on assets | 0.7944% | 4,302 |
| Return on Equity (ROE) | 3.3434% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.3434% | 3,771 |
| Net charge-offs to loans | 0.0077% | 3,423 |
| Credit loss provision to net charge-offs | 2,400.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 142.7500% | 427 |
| Efficiency ratio | 78.8440% | 1,666 |
| Assets per employee ($millions) | 3.2491% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 4,569 |
| Loan loss allowance to noncurrent loans | 48.7240% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 1.8201% | 940 |
| Noncurrent loans to loans | 2.0397% | 966 |
| Net loans and leases to total assets | 85.4362% | 292 |
| Net loans and leases to deposits | 102.8582% | 516 |
| Net loans and leases to core deposits | 104.7752% | 1,263 |
| Total domestic deposits to total assets | 83.0622% | 3,626 |
| Equity capital to assets | 15.9072% | 563 |
| Core capital (leverage) ratio | 16.5178% | 404 |
| Tier 1 risk-based capital ratio | 27.0160% | 649 |
| Total risk-based capital ratio | 28.2711% | 630 |
| Memoranda: | ||
| Average total assets | $119,593,670 | 4,053 |
| Average earning assets | $114,265,670 | 3,973 |
| Average equity | $18,963,000 | 3,306 |
| Average total loans | $104,375,670 | 3,334 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 1,083 |
| Cost of funding earning assets | 0.3335% | 3,788 |
| Net interest margin | 4.3500% | 831 |
| Noninterest income to average assets | 0.3856% | 3,943 |
| Noninterest expense to average assets | 3.5278% | 1,141 |
| Loan and lease loss provision to assets | 0.1610% | 1,286 |
| Net operating income to assets | 0.5667% | 4,341 |
| Return on assets (ROA) | 0.5667% | 4,444 |
| Pretax return on assets | 0.8518% | 4,028 |
| Return on Equity (ROE) | 3.5799% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.5799% | 3,706 |
| Net charge-offs to loans | 0.0344% | 2,282 |
| Credit loss provision to net charge-offs | 533.3333% | 577 |
| Earnings coverage of net charge-offs (x) | 33.5556% | 1,115 |
| Efficiency ratio | 77.6957% | 1,940 |
| Assets per employee ($millions) | 3.4763% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 4,937 |
| Loan loss allowance to noncurrent loans | 68.0111% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.2826% | 1,681 |
| Noncurrent loans to loans | 1.3735% | 1,732 |
| Net loans and leases to total assets | 87.7499% | 128 |
| Net loans and leases to deposits | 105.7442% | 351 |
| Net loans and leases to core deposits | 107.2211% | 1,006 |
| Total domestic deposits to total assets | 82.9832% | 3,902 |
| Equity capital to assets | 16.0497% | 526 |
| Core capital (leverage) ratio | 16.7056% | 397 |
| Tier 1 risk-based capital ratio | 26.8804% | 683 |
| Total risk-based capital ratio | 28.1350% | 666 |
| Memoranda: | ||
| Average total assets | $119,282,500 | 4,087 |
| Average earning assets | $113,930,000 | 4,009 |
| Average equity | $18,883,000 | 3,317 |
| Average total loans | $104,694,000 | 3,339 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7382% | 1,028 |
| Cost of funding earning assets | 0.3673% | 3,511 |
| Net interest margin | 4.3709% | 846 |
| Noninterest income to average assets | 0.4524% | 3,646 |
| Noninterest expense to average assets | 3.7040% | 970 |
| Loan and lease loss provision to assets | 0.2360% | 823 |
| Net operating income to assets | 0.4575% | 4,854 |
| Return on assets (ROA) | 0.4575% | 4,938 |
| Pretax return on assets | 0.6892% | 4,558 |
| Return on Equity (ROE) | 2.8661% | 5,347 |
| Retained earnings to average equity (ytd only) | 2.8661% | 4,024 |
| Net charge-offs to loans | 0.2427% | 1,237 |
| Credit loss provision to net charge-offs | 108.2031% | 2,331 |
| Earnings coverage of net charge-offs (x) | 4.2422% | 3,588 |
| Efficiency ratio | 80.0147% | 1,674 |
| Assets per employee ($millions) | 3.4308% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 5,094 |
| Loan loss allowance to noncurrent loans | 53.3523% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.5357% | 1,304 |
| Noncurrent loans to loans | 1.6811% | 1,353 |
| Net loans and leases to total assets | 86.4056% | 199 |
| Net loans and leases to deposits | 103.3025% | 477 |
| Net loans and leases to core deposits | 104.4401% | 1,198 |
| Total domestic deposits to total assets | 83.6433% | 3,621 |
| Equity capital to assets | 15.8138% | 540 |
| Core capital (leverage) ratio | 16.2267% | 440 |
| Tier 1 risk-based capital ratio | 26.4961% | 703 |
| Total risk-based capital ratio | 27.7492% | 680 |
| Memoranda: | ||
| Average total assets | $117,386,800 | 4,109 |
| Average earning assets | $112,173,200 | 4,034 |
| Average equity | $18,736,200 | 3,291 |
| Average total loans | $105,485,800 | 3,293 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 968 |
| Cost of funding earning assets | 0.3670% | 3,583 |
| Net interest margin | 4.4112% | 776 |
| Noninterest income to average assets | 0.4684% | 3,578 |
| Noninterest expense to average assets | 3.6830% | 999 |
| Loan and lease loss provision to assets | 0.2479% | 692 |
| Net operating income to assets | 0.5026% | 4,778 |
| Return on assets (ROA) | 0.5026% | 4,866 |
| Pretax return on assets | 0.7528% | 4,480 |
| Return on Equity (ROE) | 3.1417% | 5,335 |
| Retained earnings to average equity (ytd only) | 3.1417% | 4,222 |
| Net charge-offs to loans | 0.3104% | 863 |
| Credit loss provision to net charge-offs | 88.2114% | 2,493 |
| Earnings coverage of net charge-offs (x) | 3.5610% | 3,487 |
| Efficiency ratio | 78.6341% | 1,870 |
| Assets per employee ($millions) | 3.4317% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 5,352 |
| Loan loss allowance to noncurrent loans | 49.8318% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 1.5969% | 1,395 |
| Noncurrent loans to loans | 1.7159% | 1,402 |
| Net loans and leases to total assets | 85.8188% | 240 |
| Net loans and leases to deposits | 102.5387% | 517 |
| Net loans and leases to core deposits | 103.1451% | 1,294 |
| Total domestic deposits to total assets | 83.6941% | 3,538 |
| Equity capital to assets | 15.7347% | 607 |
| Core capital (leverage) ratio | 16.0438% | 483 |
| Tier 1 risk-based capital ratio | 25.8450% | 781 |
| Total risk-based capital ratio | 27.0645% | 770 |
| Memoranda: | ||
| Average total assets | $116,713,750 | 4,165 |
| Average earning assets | $111,531,500 | 4,093 |
| Average equity | $18,673,000 | 3,320 |
| Average total loans | $105,683,750 | 3,308 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 766 |
| Cost of funding earning assets | 0.3740% | 3,559 |
| Net interest margin | 4.5058% | 633 |
| Noninterest income to average assets | 0.4637% | 3,605 |
| Noninterest expense to average assets | 3.7393% | 943 |
| Loan and lease loss provision to assets | 0.2076% | 937 |
| Net operating income to assets | 0.5416% | 4,596 |
| Return on assets (ROA) | 0.5416% | 4,705 |
| Pretax return on assets | 0.8115% | 4,285 |
| Return on Equity (ROE) | 3.3660% | 5,283 |
| Retained earnings to average equity (ytd only) | 3.3660% | 3,896 |
| Net charge-offs to loans | 0.1882% | 1,330 |
| Credit loss provision to net charge-offs | 120.0000% | 1,806 |
| Earnings coverage of net charge-offs (x) | 5.8900% | 2,867 |
| Efficiency ratio | 78.5818% | 1,975 |
| Assets per employee ($millions) | 3.2968% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 5,340 |
| Loan loss allowance to noncurrent loans | 43.0275% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 2.0141% | 1,092 |
| Noncurrent loans to loans | 2.0660% | 1,166 |
| Net loans and leases to total assets | 90.6351% | 51 |
| Net loans and leases to deposits | 109.1351% | 280 |
| Net loans and leases to core deposits | 109.8112% | 846 |
| Total domestic deposits to total assets | 83.0485% | 3,935 |
| Equity capital to assets | 16.2669% | 494 |
| Core capital (leverage) ratio | 16.5114% | 413 |
| Tier 1 risk-based capital ratio | 27.3176% | 688 |
| Total risk-based capital ratio | 28.5731% | 671 |
| Memoranda: | ||
| Average total assets | $115,581,670 | 4,224 |
| Average earning assets | $110,170,330 | 4,150 |
| Average equity | $18,597,670 | 3,346 |
| Average total loans | $106,256,330 | 3,318 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8386% | 789 |
| Cost of funding earning assets | 0.3914% | 3,394 |
| Net interest margin | 4.4472% | 665 |
| Noninterest income to average assets | 0.4288% | 3,773 |
| Noninterest expense to average assets | 3.9005% | 770 |
| Loan and lease loss provision to assets | 0.2075% | 867 |
| Net operating income to assets | 0.3769% | 5,152 |
| Return on assets (ROA) | 0.3769% | 5,275 |
| Pretax return on assets | 0.5636% | 5,014 |
| Return on Equity (ROE) | 2.3553% | 5,589 |
| Retained earnings to average equity (ytd only) | 2.3553% | 4,513 |
| Net charge-offs to loans | 0.1613% | 1,302 |
| Credit loss provision to net charge-offs | 139.5349% | 1,310 |
| Earnings coverage of net charge-offs (x) | 5.1860% | 2,407 |
| Efficiency ratio | 83.4937% | 1,432 |
| Assets per employee ($millions) | 3.1982% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 5,508 |
| Loan loss allowance to noncurrent loans | 42.3077% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 2.0880% | 1,113 |
| Noncurrent loans to loans | 2.0737% | 1,245 |
| Net loans and leases to total assets | 91.7506% | 29 |
| Net loans and leases to deposits | 110.2119% | 219 |
| Net loans and leases to core deposits | 110.8922% | 707 |
| Total domestic deposits to total assets | 83.2492% | 4,098 |
| Equity capital to assets | 16.1254% | 531 |
| Core capital (leverage) ratio | 16.4376% | 420 |
| Tier 1 risk-based capital ratio | 26.6850% | 739 |
| Total risk-based capital ratio | 27.9357% | 722 |
| Memoranda: | ||
| Average total assets | $115,678,500 | 4,258 |
| Average earning assets | $110,362,500 | 4,175 |
| Average equity | $18,511,500 | 3,384 |
| Average total loans | $106,624,500 | 3,325 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 1,174 |
| Cost of funding earning assets | 0.4384% | 3,296 |
| Net interest margin | 4.3301% | 1,005 |
| Noninterest income to average assets | 0.4060% | 4,139 |
| Noninterest expense to average assets | 3.8283% | 947 |
| Loan and lease loss provision to assets | 0.3228% | 609 |
| Net operating income to assets | 0.2336% | 5,694 |
| Return on assets (ROA) | 0.2336% | 5,757 |
| Pretax return on assets | 0.3661% | 5,571 |
| Return on Equity (ROE) | 1.4751% | 5,898 |
| Retained earnings to average equity (ytd only) | 1.4751% | 5,103 |
| Net charge-offs to loans | 0.1835% | 2,201 |
| Credit loss provision to net charge-offs | 195.8763% | 1,262 |
| Earnings coverage of net charge-offs (x) | 4.1804% | 3,712 |
| Efficiency ratio | 84.7499% | 1,316 |
| Assets per employee ($millions) | 3.2251% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 5,603 |
| Loan loss allowance to noncurrent loans | 34.4207% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 2.5908% | 873 |
| Noncurrent loans to loans | 2.5001% | 1,016 |
| Net loans and leases to total assets | 91.0915% | 45 |
| Net loans and leases to deposits | 108.9378% | 269 |
| Net loans and leases to core deposits | 109.6005% | 797 |
| Total domestic deposits to total assets | 83.6179% | 3,873 |
| Equity capital to assets | 15.6871% | 579 |
| Core capital (leverage) ratio | 15.8473% | 484 |
| Tier 1 risk-based capital ratio | 24.6398% | 875 |
| Total risk-based capital ratio | 25.8691% | 859 |
| Memoranda: | ||
| Average total assets | $117,727,800 | 4,232 |
| Average earning assets | $111,775,600 | 4,139 |
| Average equity | $18,643,000 | 3,333 |
| Average total loans | $105,731,800 | 3,310 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 1,194 |
| Cost of funding earning assets | 0.4451% | 3,312 |
| Net interest margin | 4.3036% | 1,045 |
| Noninterest income to average assets | 0.3815% | 4,388 |
| Noninterest expense to average assets | 3.9005% | 841 |
| Loan and lease loss provision to assets | 0.2494% | 867 |
| Net operating income to assets | 0.1445% | 5,958 |
| Return on assets (ROA) | 0.1445% | 5,989 |
| Pretax return on assets | 0.3126% | 5,752 |
| Return on Equity (ROE) | 0.9102% | 6,045 |
| Retained earnings to average equity (ytd only) | 0.9102% | 5,520 |
| Net charge-offs to loans | 0.2047% | 1,837 |
| Credit loss provision to net charge-offs | 136.4198% | 1,710 |
| Earnings coverage of net charge-offs (x) | 3.0741% | 3,748 |
| Efficiency ratio | 87.4052% | 1,058 |
| Assets per employee ($millions) | 3.3621% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7477% | 6,001 |
| Loan loss allowance to noncurrent loans | 33.3896% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 2.1977% | 1,256 |
| Noncurrent loans to loans | 2.2393% | 1,354 |
| Net loans and leases to total assets | 86.7542% | 159 |
| Net loans and leases to deposits | 103.2986% | 437 |
| Net loans and leases to core deposits | 103.8965% | 1,110 |
| Total domestic deposits to total assets | 83.9840% | 3,774 |
| Equity capital to assets | 15.5211% | 633 |
| Core capital (leverage) ratio | 15.0733% | 608 |
| Tier 1 risk-based capital ratio | 26.6379% | 733 |
| Total risk-based capital ratio | 27.7928% | 726 |
| Memoranda: | ||
| Average total assets | $118,134,250 | 4,257 |
| Average earning assets | $112,027,500 | 4,171 |
| Average equity | $18,750,500 | 3,336 |
| Average total loans | $105,495,500 | 3,346 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 1,171 |
| Cost of funding earning assets | 0.4540% | 3,285 |
| Net interest margin | 4.2969% | 1,030 |
| Noninterest income to average assets | 0.4233% | 4,067 |
| Noninterest expense to average assets | 3.9858% | 778 |
| Loan and lease loss provision to assets | 0.1024% | 2,309 |
| Net operating income to assets | 0.2680% | 5,673 |
| Return on assets (ROA) | 0.2680% | 5,747 |
| Pretax return on assets | 0.4063% | 5,545 |
| Return on Equity (ROE) | 1.6757% | 5,917 |
| Retained earnings to average equity (ytd only) | 1.6757% | 5,065 |
| Net charge-offs to loans | 0.1784% | 1,967 |
| Credit loss provision to net charge-offs | 63.8298% | 2,581 |
| Earnings coverage of net charge-offs (x) | 3.1702% | 3,375 |
| Efficiency ratio | 88.6821% | 1,027 |
| Assets per employee ($millions) | 3.0224% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6657% | 6,222 |
| Loan loss allowance to noncurrent loans | 25.3628% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 2.6138% | 1,034 |
| Noncurrent loans to loans | 2.6248% | 1,159 |
| Net loans and leases to total assets | 88.4827% | 86 |
| Net loans and leases to deposits | 105.9723% | 305 |
| Net loans and leases to core deposits | 107.4417% | 801 |
| Total domestic deposits to total assets | 83.4961% | 4,110 |
| Equity capital to assets | 15.9618% | 561 |
| Core capital (leverage) ratio | 15.5020% | 537 |
| Tier 1 risk-based capital ratio | 27.2911% | 685 |
| Total risk-based capital ratio | 28.3350% | 683 |
| Memoranda: | ||
| Average total assets | $117,167,330 | 4,302 |
| Average earning assets | $111,011,330 | 4,219 |
| Average equity | $18,738,670 | 3,320 |
| Average total loans | $105,396,000 | 3,350 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7649% | 1,116 |
| Cost of funding earning assets | 0.4548% | 3,381 |
| Net interest margin | 4.3101% | 977 |
| Noninterest income to average assets | 0.3972% | 4,211 |
| Noninterest expense to average assets | 3.9584% | 797 |
| Loan and lease loss provision to assets | 0.1027% | 2,210 |
| Net operating income to assets | 0.2842% | 5,555 |
| Return on assets (ROA) | 0.2842% | 5,597 |
| Pretax return on assets | 0.4246% | 5,369 |
| Return on Equity (ROE) | 1.7754% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.7754% | 4,893 |
| Net charge-offs to loans | 0.0227% | 3,117 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,143 |
| Efficiency ratio | 88.2443% | 1,203 |
| Assets per employee ($millions) | 3.1536% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 6,261 |
| Loan loss allowance to noncurrent loans | 35.7616% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 2.0903% | 1,609 |
| Noncurrent loans to loans | 1.9980% | 1,868 |
| Net loans and leases to total assets | 90.0310% | 46 |
| Net loans and leases to deposits | 107.8287% | 196 |
| Net loans and leases to core deposits | 109.3326% | 614 |
| Total domestic deposits to total assets | 83.4945% | 4,453 |
| Equity capital to assets | 16.0625% | 519 |
| Core capital (leverage) ratio | 15.5979% | 527 |
| Tier 1 risk-based capital ratio | 27.0234% | 709 |
| Total risk-based capital ratio | 28.1459% | 708 |
| Memoranda: | ||
| Average total assets | $116,813,500 | 4,343 |
| Average earning assets | $110,810,000 | 4,255 |
| Average equity | $18,700,500 | 3,321 |
| Average total loans | $105,595,000 | 3,354 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8670% | 1,159 |
| Cost of funding earning assets | 0.5278% | 3,310 |
| Net interest margin | 4.3392% | 1,017 |
| Noninterest income to average assets | 0.4552% | 4,055 |
| Noninterest expense to average assets | 3.9450% | 925 |
| Loan and lease loss provision to assets | 0.1031% | 3,077 |
| Net operating income to assets | 0.3367% | 5,388 |
| Return on assets (ROA) | 0.3367% | 5,491 |
| Pretax return on assets | 0.5102% | 5,178 |
| Return on Equity (ROE) | 2.1620% | 5,780 |
| Retained earnings to average equity (ytd only) | 2.1620% | 4,708 |
| Net charge-offs to loans | 0.0393% | 4,677 |
| Credit loss provision to net charge-offs | 292.6829% | 775 |
| Earnings coverage of net charge-offs (x) | 17.4146% | 1,717 |
| Efficiency ratio | 86.5461% | 1,362 |
| Assets per employee ($millions) | 3.1607% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 6,352 |
| Loan loss allowance to noncurrent loans | 40.9396% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 1.8068% | 2,039 |
| Noncurrent loans to loans | 1.6967% | 2,367 |
| Net loans and leases to total assets | 89.4882% | 52 |
| Net loans and leases to deposits | 106.9340% | 236 |
| Net loans and leases to core deposits | 108.7169% | 662 |
| Total domestic deposits to total assets | 83.6855% | 4,287 |
| Equity capital to assets | 15.9554% | 529 |
| Core capital (leverage) ratio | 15.4919% | 544 |
| Tier 1 risk-based capital ratio | 26.9122% | 687 |
| Total risk-based capital ratio | 27.9995% | 691 |
| Memoranda: | ||
| Average total assets | $116,426,000 | 4,351 |
| Average earning assets | $110,089,000 | 4,257 |
| Average equity | $18,131,200 | 3,396 |
| Average total loans | $104,308,200 | 3,359 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 1,172 |
| Cost of funding earning assets | 0.5413% | 3,353 |
| Net interest margin | 4.3357% | 1,017 |
| Noninterest income to average assets | 0.4643% | 4,043 |
| Noninterest expense to average assets | 3.8819% | 987 |
| Loan and lease loss provision to assets | 0.1032% | 3,044 |
| Net operating income to assets | 0.3829% | 5,318 |
| Return on assets (ROA) | 0.3829% | 5,455 |
| Pretax return on assets | 0.5744% | 5,117 |
| Return on Equity (ROE) | 2.4741% | 5,796 |
| Retained earnings to average equity (ytd only) | 2.4741% | 4,843 |
| Net charge-offs to loans | 0.0179% | 4,771 |
| Credit loss provision to net charge-offs | 642.8571% | 444 |
| Earnings coverage of net charge-offs (x) | 42.2057% | 967 |
| Efficiency ratio | 85.1396% | 1,453 |
| Assets per employee ($millions) | 3.4011% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6977% | 6,444 |
| Loan loss allowance to noncurrent loans | 39.3531% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 1.6793% | 2,453 |
| Noncurrent loans to loans | 1.7729% | 2,536 |
| Net loans and leases to total assets | 87.2831% | 102 |
| Net loans and leases to deposits | 103.7144% | 306 |
| Net loans and leases to core deposits | 105.3956% | 791 |
| Total domestic deposits to total assets | 84.1572% | 4,131 |
| Equity capital to assets | 15.2766% | 666 |
| Core capital (leverage) ratio | 15.1590% | 615 |
| Tier 1 risk-based capital ratio | 26.8072% | 721 |
| Total risk-based capital ratio | 27.8917% | 720 |
| Memoranda: | ||
| Average total assets | $116,296,250 | 4,400 |
| Average earning assets | $109,846,250 | 4,309 |
| Average equity | $17,999,250 | 3,459 |
| Average total loans | $104,039,250 | 3,386 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9297% | 1,031 |
| Cost of funding earning assets | 0.5663% | 3,254 |
| Net interest margin | 4.3633% | 913 |
| Noninterest income to average assets | 0.4403% | 4,246 |
| Noninterest expense to average assets | 3.9347% | 938 |
| Loan and lease loss provision to assets | 0.1040% | 3,060 |
| Net operating income to assets | 0.3432% | 5,430 |
| Return on assets (ROA) | 0.3432% | 5,602 |
| Pretax return on assets | 0.5148% | 5,322 |
| Return on Equity (ROE) | 2.2077% | 5,880 |
| Retained earnings to average equity (ytd only) | 2.2077% | 4,867 |
| Net charge-offs to loans | 0.0077% | 4,735 |
| Credit loss provision to net charge-offs | 1,500.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 89.2500% | 510 |
| Efficiency ratio | 86.4104% | 1,377 |
| Assets per employee ($millions) | 3.0727% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6838% | 6,520 |
| Loan loss allowance to noncurrent loans | 29.8778% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 2.2413% | 1,929 |
| Noncurrent loans to loans | 2.2886% | 2,068 |
| Net loans and leases to total assets | 88.1958% | 85 |
| Net loans and leases to deposits | 105.0023% | 251 |
| Net loans and leases to core deposits | 106.7349% | 704 |
| Total domestic deposits to total assets | 83.9942% | 4,320 |
| Equity capital to assets | 15.4577% | 624 |
| Core capital (leverage) ratio | 15.4234% | 538 |
| Tier 1 risk-based capital ratio | 27.2529% | 674 |
| Total risk-based capital ratio | 28.3258% | 677 |
| Memoranda: | ||
| Average total assets | $115,382,330 | 4,453 |
| Average earning assets | $108,770,330 | 4,365 |
| Average equity | $17,937,330 | 3,495 |
| Average total loans | $103,842,330 | 3,406 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9073% | 1,061 |
| Cost of funding earning assets | 0.5843% | 3,261 |
| Net interest margin | 4.3230% | 923 |
| Noninterest income to average assets | 0.4081% | 4,401 |
| Noninterest expense to average assets | 4.0561% | 830 |
| Loan and lease loss provision to assets | 0.1046% | 2,937 |
| Net operating income to assets | 0.2162% | 5,834 |
| Return on assets (ROA) | 0.2162% | 5,952 |
| Pretax return on assets | 0.3243% | 5,792 |
| Return on Equity (ROE) | 1.3869% | 6,122 |
| Retained earnings to average equity (ytd only) | 1.3869% | 5,286 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4355% | 1,103 |
| Assets per employee ($millions) | 3.0071% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6562% | 6,643 |
| Loan loss allowance to noncurrent loans | 19.8662% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 3.2222% | 1,353 |
| Noncurrent loans to loans | 3.3031% | 1,467 |
| Net loans and leases to total assets | 90.4908% | 31 |
| Net loans and leases to deposits | 108.0650% | 159 |
| Net loans and leases to core deposits | 109.8852% | 501 |
| Total domestic deposits to total assets | 83.7374% | 4,578 |
| Equity capital to assets | 15.6763% | 615 |
| Core capital (leverage) ratio | 15.6413% | 498 |
| Tier 1 risk-based capital ratio | 27.0906% | 696 |
| Total risk-based capital ratio | 28.1258% | 709 |
| Memoranda: | ||
| Average total assets | $114,691,500 | 4,510 |
| Average earning assets | $108,165,000 | 4,419 |
| Average equity | $17,881,500 | 3,541 |
| Average total loans | $103,918,500 | 3,421 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1196% | 1,264 |
| Cost of funding earning assets | 0.6857% | 3,604 |
| Net interest margin | 4.4339% | 1,081 |
| Noninterest income to average assets | 0.4102% | 4,525 |
| Noninterest expense to average assets | 4.0566% | 911 |
| Loan and lease loss provision to assets | 0.1601% | 3,616 |
| Net operating income to assets | 0.2527% | 5,627 |
| Return on assets (ROA) | 0.2527% | 5,832 |
| Pretax return on assets | 0.3739% | 5,647 |
| Return on Equity (ROE) | 1.6218% | 5,997 |
| Retained earnings to average equity (ytd only) | 1.6218% | 5,055 |
| Net charge-offs to loans | 0.1890% | 3,863 |
| Credit loss provision to net charge-offs | 94.8718% | 3,280 |
| Earnings coverage of net charge-offs (x) | 3.1641% | 3,852 |
| Efficiency ratio | 88.3673% | 1,213 |
| Assets per employee ($millions) | 3.0293% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6294% | 6,721 |
| Loan loss allowance to noncurrent loans | 33.0131% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 1.9302% | 2,534 |
| Noncurrent loans to loans | 1.9065% | 2,798 |
| Net loans and leases to total assets | 89.5617% | 62 |
| Net loans and leases to deposits | 106.6703% | 213 |
| Net loans and leases to core deposits | 108.4408% | 596 |
| Total domestic deposits to total assets | 83.9613% | 4,332 |
| Equity capital to assets | 15.5062% | 633 |
| Core capital (leverage) ratio | 15.4715% | 510 |
| Tier 1 risk-based capital ratio | 25.6263% | 799 |
| Total risk-based capital ratio | 26.5658% | 808 |
| Memoranda: | ||
| Average total assets | $115,539,600 | 4,451 |
| Average earning assets | $108,934,400 | 4,368 |
| Average equity | $18,004,400 | 3,465 |
| Average total loans | $103,200,400 | 3,452 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1446% | 1,315 |
| Cost of funding earning assets | 0.7024% | 3,748 |
| Net interest margin | 4.4422% | 1,111 |
| Noninterest income to average assets | 0.4300% | 4,414 |
| Noninterest expense to average assets | 4.0075% | 924 |
| Loan and lease loss provision to assets | 0.1418% | 3,760 |
| Net operating income to assets | 0.3124% | 5,570 |
| Return on assets (ROA) | 0.3124% | 5,777 |
| Pretax return on assets | 0.4658% | 5,550 |
| Return on Equity (ROE) | 2.0025% | 6,021 |
| Retained earnings to average equity (ytd only) | 2.0025% | 5,321 |
| Net charge-offs to loans | 0.3001% | 2,939 |
| Credit loss provision to net charge-offs | 53.0172% | 4,326 |
| Earnings coverage of net charge-offs (x) | 2.2715% | 4,129 |
| Efficiency ratio | 86.8349% | 1,317 |
| Assets per employee ($millions) | 3.1929% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5388% | 6,931 |
| Loan loss allowance to noncurrent loans | 29.0136% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 1.8989% | 2,786 |
| Noncurrent loans to loans | 1.8569% | 3,004 |
| Net loans and leases to total assets | 84.1417% | 217 |
| Net loans and leases to deposits | 99.8738% | 445 |
| Net loans and leases to core deposits | 101.4307% | 1,027 |
| Total domestic deposits to total assets | 84.2480% | 4,103 |
| Equity capital to assets | 14.9665% | 831 |
| Core capital (leverage) ratio | 14.6014% | 685 |
| Tier 1 risk-based capital ratio | 25.1401% | 895 |
| Total risk-based capital ratio | 25.9249% | 931 |
| Memoranda: | ||
| Average total assets | $115,645,750 | 4,492 |
| Average earning assets | $108,952,500 | 4,422 |
| Average equity | $18,043,000 | 3,493 |
| Average total loans | $103,062,500 | 3,485 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2523% | 1,140 |
| Cost of funding earning assets | 0.7324% | 3,743 |
| Net interest margin | 4.5199% | 957 |
| Noninterest income to average assets | 0.4202% | 4,499 |
| Noninterest expense to average assets | 3.9595% | 1,000 |
| Loan and lease loss provision to assets | 0.1090% | 4,160 |
| Net operating income to assets | 0.4097% | 5,180 |
| Return on assets (ROA) | 0.4097% | 5,416 |
| Pretax return on assets | 0.6048% | 5,115 |
| Return on Equity (ROE) | 2.5883% | 5,852 |
| Retained earnings to average equity (ytd only) | 2.5883% | 4,900 |
| Net charge-offs to loans | 0.1550% | 3,676 |
| Credit loss provision to net charge-offs | 77.5000% | 3,386 |
| Earnings coverage of net charge-offs (x) | 5.0750% | 2,913 |
| Efficiency ratio | 84.7254% | 1,561 |
| Assets per employee ($millions) | 3.0913% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6305% | 6,902 |
| Loan loss allowance to noncurrent loans | 28.9238% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 2.2706% | 2,465 |
| Noncurrent loans to loans | 2.1799% | 2,734 |
| Net loans and leases to total assets | 88.8736% | 58 |
| Net loans and leases to deposits | 107.0980% | 200 |
| Net loans and leases to core deposits | 108.8888% | 623 |
| Total domestic deposits to total assets | 82.9835% | 4,763 |
| Equity capital to assets | 15.8432% | 610 |
| Core capital (leverage) ratio | 15.4559% | 530 |
| Tier 1 risk-based capital ratio | 25.6605% | 842 |
| Total risk-based capital ratio | 26.5967% | 854 |
| Memoranda: | ||
| Average total assets | $113,750,670 | 4,572 |
| Average earning assets | $107,038,670 | 4,486 |
| Average equity | $18,004,330 | 3,498 |
| Average total loans | $103,202,330 | 3,493 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3437% | 1,020 |
| Cost of funding earning assets | 0.7527% | 3,841 |
| Net interest margin | 4.5910% | 835 |
| Noninterest income to average assets | 0.3985% | 4,686 |
| Noninterest expense to average assets | 4.0198% | 915 |
| Loan and lease loss provision to assets | 0.1058% | 4,023 |
| Net operating income to assets | 0.4090% | 5,216 |
| Return on assets (ROA) | 0.4090% | 5,401 |
| Pretax return on assets | 0.5959% | 5,133 |
| Return on Equity (ROE) | 2.5855% | 5,871 |
| Retained earnings to average equity (ytd only) | 2.5855% | 4,965 |
| Net charge-offs to loans | 0.0154% | 4,469 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 49.7500% | 635 |
| Efficiency ratio | 85.1382% | 1,569 |
| Assets per employee ($millions) | 3.0481% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6706% | 6,912 |
| Loan loss allowance to noncurrent loans | 31.8098% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 2.2247% | 2,667 |
| Noncurrent loans to loans | 2.1081% | 3,018 |
| Net loans and leases to total assets | 90.4938% | 33 |
| Net loans and leases to deposits | 108.4915% | 159 |
| Net loans and leases to core deposits | 110.3127% | 523 |
| Total domestic deposits to total assets | 83.4109% | 4,755 |
| Equity capital to assets | 15.9640% | 582 |
| Core capital (leverage) ratio | 15.5712% | 521 |
| Tier 1 risk-based capital ratio | 25.0947% | 898 |
| Total risk-based capital ratio | 26.0793% | 908 |
| Memoranda: | ||
| Average total assets | $113,437,500 | 4,610 |
| Average earning assets | $106,817,000 | 4,519 |
| Average equity | $17,946,000 | 3,509 |
| Average total loans | $103,655,500 | 3,508 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 1,323 |
| Cost of funding earning assets | 0.8269% | 4,653 |
| Net interest margin | 4.6131% | 897 |
| Noninterest income to average assets | 0.3775% | 4,806 |
| Noninterest expense to average assets | 4.0435% | 973 |
| Loan and lease loss provision to assets | 0.0527% | 5,930 |
| Net operating income to assets | 0.4138% | 4,799 |
| Return on assets (ROA) | 0.4144% | 4,985 |
| Pretax return on assets | 0.6312% | 4,589 |
| Return on Equity (ROE) | 2.6749% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.6749% | 4,331 |
| Net charge-offs to loans | 0.0242% | 6,101 |
| Credit loss provision to net charge-offs | 240.0000% | 1,008 |
| Earnings coverage of net charge-offs (x) | 31.1200% | 822 |
| Efficiency ratio | 85.5498% | 1,612 |
| Assets per employee ($millions) | 2.9255% | 6,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6341% | 6,982 |
| Loan loss allowance to noncurrent loans | 25.6778% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 2.4585% | 2,478 |
| Noncurrent loans to loans | 2.4693% | 2,666 |
| Net loans and leases to total assets | 91.0645% | 28 |
| Net loans and leases to deposits | 109.5043% | 179 |
| Net loans and leases to core deposits | 111.3122% | 579 |
| Total domestic deposits to total assets | 83.1607% | 4,686 |
| Equity capital to assets | 15.6780% | 635 |
| Core capital (leverage) ratio | 15.3205% | 555 |
| Tier 1 risk-based capital ratio | 24.5152% | 920 |
| Total risk-based capital ratio | 25.4469% | 937 |
| Memoranda: | ||
| Average total assets | $113,912,400 | 4,552 |
| Average earning assets | $107,390,200 | 4,465 |
| Average equity | $17,645,200 | 3,482 |
| Average total loans | $103,428,600 | 3,534 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4815% | 1,298 |
| Cost of funding earning assets | 0.8356% | 4,897 |
| Net interest margin | 4.6459% | 857 |
| Noninterest income to average assets | 0.3806% | 4,807 |
| Noninterest expense to average assets | 4.1229% | 867 |
| Loan and lease loss provision to assets | 0.0351% | 5,997 |
| Net operating income to assets | 0.4020% | 4,993 |
| Return on assets (ROA) | 0.4028% | 5,172 |
| Pretax return on assets | 0.6054% | 4,793 |
| Return on Equity (ROE) | 2.6083% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.6083% | 4,801 |
| Net charge-offs to loans | 0.0323% | 5,697 |
| Credit loss provision to net charge-offs | 120.0000% | 2,704 |
| Earnings coverage of net charge-offs (x) | 21.8416% | 1,170 |
| Efficiency ratio | 86.5749% | 1,478 |
| Assets per employee ($millions) | 3.2695% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6433% | 7,031 |
| Loan loss allowance to noncurrent loans | 28.7188% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 2.0501% | 3,077 |
| Noncurrent loans to loans | 2.2399% | 3,063 |
| Net loans and leases to total assets | 87.6611% | 88 |
| Net loans and leases to deposits | 104.3551% | 303 |
| Net loans and leases to core deposits | 105.9986% | 864 |
| Total domestic deposits to total assets | 84.0027% | 4,227 |
| Equity capital to assets | 15.0891% | 837 |
| Core capital (leverage) ratio | 14.7414% | 718 |
| Tier 1 risk-based capital ratio | 24.3805% | 973 |
| Total risk-based capital ratio | 25.3210% | 989 |
| Memoranda: | ||
| Average total assets | $113,866,500 | 4,583 |
| Average earning assets | $107,389,750 | 4,499 |
| Average equity | $17,584,500 | 3,489 |
| Average total loans | $103,144,750 | 3,566 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5453% | 1,197 |
| Cost of funding earning assets | 0.8376% | 5,139 |
| Net interest margin | 4.7076% | 711 |
| Noninterest income to average assets | 0.3606% | 4,995 |
| Noninterest expense to average assets | 4.1407% | 881 |
| Loan and lease loss provision to assets | 0.0533% | 5,650 |
| Net operating income to assets | 0.4056% | 4,918 |
| Return on assets (ROA) | 0.4068% | 5,072 |
| Pretax return on assets | 0.6111% | 4,711 |
| Return on Equity (ROE) | 2.6133% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.6133% | 4,627 |
| Net charge-offs to loans | 0.0330% | 5,387 |
| Credit loss provision to net charge-offs | 176.4706% | 1,701 |
| Earnings coverage of net charge-offs (x) | 21.9412% | 1,135 |
| Efficiency ratio | 86.2056% | 1,584 |
| Assets per employee ($millions) | 2.9189% | 6,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6512% | 7,085 |
| Loan loss allowance to noncurrent loans | 28.8027% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 2.1970% | 2,987 |
| Noncurrent loans to loans | 2.2611% | 3,151 |
| Net loans and leases to total assets | 90.5893% | 36 |
| Net loans and leases to deposits | 110.2752% | 175 |
| Net loans and leases to core deposits | 112.1241% | 644 |
| Total domestic deposits to total assets | 82.1483% | 5,115 |
| Equity capital to assets | 15.5001% | 701 |
| Core capital (leverage) ratio | 15.1414% | 644 |
| Tier 1 risk-based capital ratio | 24.4444% | 962 |
| Total risk-based capital ratio | 25.4050% | 968 |
| Memoranda: | ||
| Average total assets | $112,588,330 | 4,638 |
| Average earning assets | $106,253,000 | 4,556 |
| Average equity | $17,526,000 | 3,493 |
| Average total loans | $102,911,000 | 3,609 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5413% | 1,198 |
| Cost of funding earning assets | 0.8408% | 5,326 |
| Net interest margin | 4.7004% | 700 |
| Noninterest income to average assets | 0.3465% | 5,134 |
| Noninterest expense to average assets | 4.1335% | 885 |
| Loan and lease loss provision to assets | 0.1072% | 4,671 |
| Net operating income to assets | 0.3585% | 5,131 |
| Return on assets (ROA) | 0.3608% | 5,203 |
| Pretax return on assets | 0.5430% | 4,888 |
| Return on Equity (ROE) | 2.3130% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.3130% | 4,765 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4723% | 1,656 |
| Assets per employee ($millions) | 3.0429% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6729% | 7,107 |
| Loan loss allowance to noncurrent loans | 27.1127% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 2.4186% | 2,813 |
| Noncurrent loans to loans | 2.4818% | 3,011 |
| Net loans and leases to total assets | 90.8612% | 28 |
| Net loans and leases to deposits | 111.9958% | 155 |
| Net loans and leases to core deposits | 113.9101% | 604 |
| Total domestic deposits to total assets | 81.1291% | 5,624 |
| Equity capital to assets | 15.5588% | 652 |
| Core capital (leverage) ratio | 15.1962% | 627 |
| Tier 1 risk-based capital ratio | 24.4687% | 929 |
| Total risk-based capital ratio | 25.4618% | 941 |
| Memoranda: | ||
| Average total assets | $111,963,500 | 4,687 |
| Average earning assets | $105,607,500 | 4,599 |
| Average equity | $17,466,500 | 3,497 |
| Average total loans | $102,466,000 | 3,654 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6908% | 1,603 |
| Cost of funding earning assets | 1.0246% | 5,561 |
| Net interest margin | 4.6662% | 878 |
| Noninterest income to average assets | 0.3873% | 4,999 |
| Noninterest expense to average assets | 3.9192% | 1,284 |
| Loan and lease loss provision to assets | 0.1088% | 6,060 |
| Net operating income to assets | 0.4961% | 4,115 |
| Return on assets (ROA) | 0.4961% | 4,274 |
| Pretax return on assets | 0.7583% | 3,766 |
| Return on Equity (ROE) | 3.1940% | 4,873 |
| Retained earnings to average equity (ytd only) | 3.1940% | 3,632 |
| Net charge-offs to loans | 0.0393% | 6,417 |
| Credit loss provision to net charge-offs | 307.6923% | 860 |
| Earnings coverage of net charge-offs (x) | 24.5128% | 862 |
| Efficiency ratio | 81.8836% | 2,183 |
| Assets per employee ($millions) | 2.7835% | 6,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6504% | 7,200 |
| Loan loss allowance to noncurrent loans | 24.5283% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 2.8534% | 2,455 |
| Noncurrent loans to loans | 2.6515% | 2,865 |
| Net loans and leases to total assets | 90.9629% | 36 |
| Net loans and leases to deposits | 109.6603% | 241 |
| Net loans and leases to core deposits | 111.5039% | 843 |
| Total domestic deposits to total assets | 82.9497% | 4,815 |
| Equity capital to assets | 15.6420% | 653 |
| Core capital (leverage) ratio | 15.2748% | 619 |
| Tier 1 risk-based capital ratio | 24.3385% | 903 |
| Total risk-based capital ratio | 25.2893% | 911 |
| Memoranda: | ||
| Average total assets | $110,250,800 | 4,709 |
| Average earning assets | $103,939,400 | 4,606 |
| Average equity | $17,125,800 | 3,573 |
| Average total loans | $99,253,200 | 3,817 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7151% | 1,667 |
| Cost of funding earning assets | 1.0525% | 5,688 |
| Net interest margin | 4.6625% | 920 |
| Noninterest income to average assets | 0.3867% | 5,064 |
| Noninterest expense to average assets | 3.8734% | 1,236 |
| Loan and lease loss provision to assets | 0.1091% | 5,941 |
| Net operating income to assets | 0.5359% | 4,157 |
| Return on assets (ROA) | 0.5359% | 4,324 |
| Pretax return on assets | 0.8026% | 3,893 |
| Return on Equity (ROE) | 3.4558% | 5,018 |
| Retained earnings to average equity (ytd only) | 3.4558% | 4,017 |
| Net charge-offs to loans | 0.0216% | 6,369 |
| Credit loss provision to net charge-offs | 562.5000% | 513 |
| Earnings coverage of net charge-offs (x) | 47.0061% | 596 |
| Efficiency ratio | 80.9476% | 2,220 |
| Assets per employee ($millions) | 3.1417% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6600% | 7,265 |
| Loan loss allowance to noncurrent loans | 29.1685% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 2.3386% | 3,039 |
| Noncurrent loans to loans | 2.2628% | 3,371 |
| Net loans and leases to total assets | 87.2982% | 129 |
| Net loans and leases to deposits | 105.4038% | 385 |
| Net loans and leases to core deposits | 107.1412% | 1,226 |
| Total domestic deposits to total assets | 82.8226% | 4,665 |
| Equity capital to assets | 15.2517% | 834 |
| Core capital (leverage) ratio | 14.9341% | 729 |
| Tier 1 risk-based capital ratio | 24.6188% | 884 |
| Total risk-based capital ratio | 25.5770% | 894 |
| Memoranda: | ||
| Average total assets | $109,978,250 | 4,767 |
| Average earning assets | $103,746,500 | 4,681 |
| Average equity | $17,053,250 | 3,632 |
| Average total loans | $98,581,000 | 3,905 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7203% | 1,687 |
| Cost of funding earning assets | 1.0807% | 5,782 |
| Net interest margin | 4.6396% | 914 |
| Noninterest income to average assets | 0.3709% | 5,174 |
| Noninterest expense to average assets | 3.6920% | 1,570 |
| Loan and lease loss provision to assets | 0.1102% | 5,804 |
| Net operating income to assets | 0.6352% | 3,706 |
| Return on assets (ROA) | 0.6352% | 3,845 |
| Pretax return on assets | 0.9510% | 3,307 |
| Return on Equity (ROE) | 4.0735% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.0735% | 3,490 |
| Net charge-offs to loans | 0.0041% | 6,317 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 289.0000% | 116 |
| Efficiency ratio | 77.6748% | 2,777 |
| Assets per employee ($millions) | 2.8895% | 6,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6399% | 7,357 |
| Loan loss allowance to noncurrent loans | 26.8908% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 2.4545% | 2,931 |
| Noncurrent loans to loans | 2.3796% | 3,278 |
| Net loans and leases to total assets | 90.5082% | 57 |
| Net loans and leases to deposits | 111.0096% | 249 |
| Net loans and leases to core deposits | 111.6293% | 1,052 |
| Total domestic deposits to total assets | 81.5319% | 5,184 |
| Equity capital to assets | 15.6257% | 741 |
| Core capital (leverage) ratio | 15.3022% | 667 |
| Tier 1 risk-based capital ratio | 24.8942% | 850 |
| Total risk-based capital ratio | 25.8448% | 864 |
| Memoranda: | ||
| Average total assets | $108,937,000 | 4,834 |
| Average earning assets | $102,897,000 | 4,725 |
| Average equity | $16,987,670 | 3,633 |
| Average total loans | $98,310,670 | 3,953 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7756% | 1,537 |
| Cost of funding earning assets | 1.1138% | 5,835 |
| Net interest margin | 4.6617% | 845 |
| Noninterest income to average assets | 0.3686% | 5,192 |
| Noninterest expense to average assets | 3.6643% | 1,589 |
| Loan and lease loss provision to assets | 0.1106% | 5,518 |
| Net operating income to assets | 0.6709% | 3,568 |
| Return on assets (ROA) | 0.6709% | 3,683 |
| Pretax return on assets | 1.0064% | 3,072 |
| Return on Equity (ROE) | 4.3069% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.3069% | 3,565 |
| Net charge-offs to loans | 0.0082% | 5,478 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 151.5000% | 217 |
| Efficiency ratio | 76.6384% | 3,110 |
| Assets per employee ($millions) | 3.3648% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6248% | 7,469 |
| Loan loss allowance to noncurrent loans | 25.8146% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 2.4045% | 3,029 |
| Noncurrent loans to loans | 2.4202% | 3,254 |
| Net loans and leases to total assets | 90.1127% | 64 |
| Net loans and leases to deposits | 109.3176% | 303 |
| Net loans and leases to core deposits | 110.3282% | 1,249 |
| Total domestic deposits to total assets | 82.4320% | 4,880 |
| Equity capital to assets | 15.7820% | 706 |
| Core capital (leverage) ratio | 15.4483% | 661 |
| Tier 1 risk-based capital ratio | 25.1287% | 851 |
| Total risk-based capital ratio | 26.0524% | 864 |
| Memoranda: | ||
| Average total assets | $108,505,500 | 4,910 |
| Average earning assets | $102,708,500 | 4,792 |
| Average equity | $16,903,000 | 3,675 |
| Average total loans | $97,457,000 | 4,038 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7766% | 2,759 |
| Cost of funding earning assets | 1.6444% | 4,822 |
| Net interest margin | 4.1322% | 2,309 |
| Noninterest income to average assets | 0.3885% | 5,306 |
| Noninterest expense to average assets | 3.6744% | 1,970 |
| Loan and lease loss provision to assets | 0.0686% | 6,894 |
| Net operating income to assets | 0.3455% | 4,343 |
| Return on assets (ROA) | 0.3455% | 4,436 |
| Pretax return on assets | 0.5731% | 3,978 |
| Return on Equity (ROE) | 2.2887% | 4,791 |
| Retained earnings to average equity (ytd only) | 2.2887% | 3,511 |
| Net charge-offs to loans | 0.0105% | 7,085 |
| Credit loss provision to net charge-offs | 750.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 70.2000% | 388 |
| Efficiency ratio | 85.1334% | 2,207 |
| Assets per employee ($millions) | 3.4168% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5993% | 7,551 |
| Loan loss allowance to noncurrent loans | 26.0967% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 2.2499% | 3,069 |
| Noncurrent loans to loans | 2.2965% | 3,292 |
| Net loans and leases to total assets | 88.4359% | 154 |
| Net loans and leases to deposits | 108.0682% | 456 |
| Net loans and leases to core deposits | 122.6256% | 1,738 |
| Total domestic deposits to total assets | 81.8334% | 5,020 |
| Equity capital to assets | 15.3771% | 825 |
| Core capital (leverage) ratio | 15.0459% | 775 |
| Tier 1 risk-based capital ratio | 24.8309% | 859 |
| Total risk-based capital ratio | 25.7129% | 881 |
| Memoranda: | ||
| Average total assets | $109,405,800 | 4,836 |
| Average earning assets | $103,989,000 | 4,727 |
| Average equity | $16,516,000 | 3,774 |
| Average total loans | $94,909,400 | 4,090 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8111% | 2,840 |
| Cost of funding earning assets | 1.6852% | 4,977 |
| Net interest margin | 4.1259% | 2,302 |
| Noninterest income to average assets | 0.3936% | 5,351 |
| Noninterest expense to average assets | 3.6238% | 1,975 |
| Loan and lease loss provision to assets | 0.0548% | 6,823 |
| Net operating income to assets | 0.4143% | 4,344 |
| Return on assets (ROA) | 0.4143% | 4,440 |
| Pretax return on assets | 0.6409% | 4,054 |
| Return on Equity (ROE) | 2.7571% | 4,896 |
| Retained earnings to average equity (ytd only) | 2.7571% | 3,791 |
| Net charge-offs to loans | 0.0085% | 6,839 |
| Credit loss provision to net charge-offs | 750.0000% | 506 |
| Earnings coverage of net charge-offs (x) | 95.1638% | 373 |
| Efficiency ratio | 83.8928% | 2,311 |
| Assets per employee ($millions) | 3.4413% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5814% | 7,610 |
| Loan loss allowance to noncurrent loans | 28.5202% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 1.9787% | 3,375 |
| Noncurrent loans to loans | 2.0385% | 3,583 |
| Net loans and leases to total assets | 86.4949% | 312 |
| Net loans and leases to deposits | 104.9136% | 713 |
| Net loans and leases to core deposits | 119.3327% | 2,307 |
| Total domestic deposits to total assets | 82.4439% | 4,475 |
| Equity capital to assets | 15.0716% | 986 |
| Core capital (leverage) ratio | 14.9048% | 878 |
| Tier 1 risk-based capital ratio | 25.0336% | 897 |
| Total risk-based capital ratio | 25.8851% | 913 |
| Memoranda: | ||
| Average total assets | $109,422,750 | 4,867 |
| Average earning assets | $104,120,000 | 4,766 |
| Average equity | $16,441,750 | 3,824 |
| Average total loans | $94,317,500 | 4,138 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9034% | 2,566 |
| Cost of funding earning assets | 1.7274% | 5,138 |
| Net interest margin | 4.1761% | 2,071 |
| Noninterest income to average assets | 0.3865% | 5,407 |
| Noninterest expense to average assets | 3.5644% | 2,156 |
| Loan and lease loss provision to assets | 0.0550% | 6,675 |
| Net operating income to assets | 0.4836% | 4,152 |
| Return on assets (ROA) | 0.4836% | 4,266 |
| Pretax return on assets | 0.7437% | 3,852 |
| Return on Equity (ROE) | 3.2215% | 4,811 |
| Retained earnings to average equity (ytd only) | 3.2215% | 3,526 |
| Net charge-offs to loans | 0.0128% | 6,376 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 72.6667% | 524 |
| Efficiency ratio | 81.6961% | 2,761 |
| Assets per employee ($millions) | 3.3468% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5759% | 7,678 |
| Loan loss allowance to noncurrent loans | 39.4469% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 1.2441% | 4,446 |
| Noncurrent loans to loans | 1.4600% | 4,306 |
| Net loans and leases to total assets | 84.7188% | 536 |
| Net loans and leases to deposits | 106.8093% | 723 |
| Net loans and leases to core deposits | 120.9738% | 2,280 |
| Total domestic deposits to total assets | 79.3178% | 5,713 |
| Equity capital to assets | 14.9607% | 1,038 |
| Core capital (leverage) ratio | 14.7934% | 963 |
| Tier 1 risk-based capital ratio | 25.2662% | 916 |
| Total risk-based capital ratio | 26.1063% | 937 |
| Memoranda: | ||
| Average total assets | $109,190,000 | 4,905 |
| Average earning assets | $103,973,670 | 4,790 |
| Average equity | $16,390,000 | 3,839 |
| Average total loans | $93,821,330 | 4,176 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9574% | 2,537 |
| Cost of funding earning assets | 1.8450% | 4,901 |
| Net interest margin | 4.1124% | 2,230 |
| Noninterest income to average assets | 0.3684% | 5,476 |
| Noninterest expense to average assets | 3.4855% | 2,141 |
| Loan and lease loss provision to assets | 0.0553% | 6,272 |
| Net operating income to assets | 0.4679% | 4,578 |
| Return on assets (ROA) | 0.4679% | 4,765 |
| Pretax return on assets | 0.7369% | 4,299 |
| Return on Equity (ROE) | 3.1121% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.1121% | 4,141 |
| Net charge-offs to loans | 0.0085% | 5,538 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 409 |
| Efficiency ratio | 81.4815% | 2,610 |
| Assets per employee ($millions) | 3.3311% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5619% | 7,733 |
| Loan loss allowance to noncurrent loans | 37.8301% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 4,128 |
| Noncurrent loans to loans | 1.4853% | 4,066 |
| Net loans and leases to total assets | 85.3254% | 515 |
| Net loans and leases to deposits | 107.4572% | 758 |
| Net loans and leases to core deposits | 120.2796% | 2,393 |
| Total domestic deposits to total assets | 79.4041% | 5,573 |
| Equity capital to assets | 14.9074% | 1,128 |
| Core capital (leverage) ratio | 14.7386% | 1,027 |
| Tier 1 risk-based capital ratio | 25.1882% | 966 |
| Total risk-based capital ratio | 26.0141% | 978 |
| Memoranda: | ||
| Average total assets | $108,563,500 | 4,939 |
| Average earning assets | $103,199,000 | 4,831 |
| Average equity | $16,323,500 | 3,881 |
| Average total loans | $93,678,000 | 4,220 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5290% | 2,811 |
| Cost of funding earning assets | 2.0998% | 6,053 |
| Net interest margin | 4.4292% | 1,597 |
| Noninterest income to average assets | 0.3815% | 5,630 |
| Noninterest expense to average assets | 3.7552% | 1,842 |
| Loan and lease loss provision to assets | 0.0930% | 6,201 |
| Net operating income to assets | 0.5135% | 4,668 |
| Return on assets (ROA) | 0.5964% | 4,184 |
| Pretax return on assets | 0.8709% | 3,823 |
| Return on Equity (ROE) | 3.9448% | 4,846 |
| Retained earnings to average equity (ytd only) | 3.9448% | 2,671 |
| Net charge-offs to loans | 0.1060% | 5,236 |
| Credit loss provision to net charge-offs | 99.0099% | 5,416 |
| Earnings coverage of net charge-offs (x) | 8.9604% | 2,785 |
| Efficiency ratio | 81.6839% | 2,345 |
| Assets per employee ($millions) | 3.2485% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5557% | 7,756 |
| Loan loss allowance to noncurrent loans | 35.5082% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 1.3582% | 3,485 |
| Noncurrent loans to loans | 1.5651% | 3,438 |
| Net loans and leases to total assets | 86.2997% | 570 |
| Net loans and leases to deposits | 110.7513% | 785 |
| Net loans and leases to core deposits | 122.4359% | 2,463 |
| Total domestic deposits to total assets | 77.9221% | 5,739 |
| Equity capital to assets | 15.1676% | 1,119 |
| Core capital (leverage) ratio | 14.9943% | 1,034 |
| Tier 1 risk-based capital ratio | 25.7012% | 928 |
| Total risk-based capital ratio | 26.5298% | 941 |
| Memoranda: | ||
| Average total assets | $107,476,200 | 4,845 |
| Average earning assets | $102,297,400 | 4,738 |
| Average equity | $16,249,400 | 3,878 |
| Average total loans | $95,262,200 | 4,073 |