Home > GreenWay Bank > Performance and Condition Ratios
GreenWay Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7944% | 1,495 |
| Cost of funding earning assets | 3.4169% | 134 |
| Net interest margin | 2.3775% | 4,119 |
| Noninterest income to average assets | 0.0300% | 4,340 |
| Noninterest expense to average assets | 2.4168% | 2,535 |
| Loan and lease loss provision to assets | 0.2300% | 495 |
| Net operating income to assets | -0.2875% | 4,279 |
| Return on assets (ROA) | -0.2875% | 4,306 |
| Pretax return on assets | -0.3469% | 4,303 |
| Return on Equity (ROE) | -3.0600% | 4,298 |
| Retained earnings to average equity (ytd only) | -3.0633% | 3,988 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 104.9034% | 212 |
| Assets per employee ($millions) | 7.9183% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7150% | 4,018 |
| Loan loss allowance to noncurrent loans | 155.2393% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 2,468 |
| Noncurrent loans to loans | 0.4606% | 1,975 |
| Net loans and leases to total assets | 44.7700% | 3,809 |
| Net loans and leases to deposits | 54.4439% | 3,713 |
| Net loans and leases to core deposits | 111.6626% | 802 |
| Total domestic deposits to total assets | 82.2400% | 3,259 |
| Equity capital to assets | 8.7764% | 3,097 |
| Core capital (leverage) ratio | 9.4263% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9905% | 1,270 |
| Memoranda: | ||
| Average total assets | $350,549,500 | 2,260 |
| Average earning assets | $334,805,500 | 2,210 |
| Average equity | $32,905,500 | 2,315 |
| Average total loans | $158,667,000 | 2,687 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6473% | 1,850 |
| Cost of funding earning assets | 3.3552% | 249 |
| Net interest margin | 2.2921% | 4,086 |
| Noninterest income to average assets | 0.1000% | 4,209 |
| Noninterest expense to average assets | 2.8143% | 1,472 |
| Loan and lease loss provision to assets | 0.2500% | 506 |
| Net operating income to assets | -0.5882% | 4,357 |
| Return on assets (ROA) | -1.2223% | 4,442 |
| Pretax return on assets | -1.5819% | 4,455 |
| Return on Equity (ROE) | -11.5200% | 4,418 |
| Retained earnings to average equity (ytd only) | -11.5164% | 4,406 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 123.2323% | 123 |
| Assets per employee ($millions) | 7.1509% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6628% | 4,107 |
| Loan loss allowance to noncurrent loans | 161.9281% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 2,510 |
| Noncurrent loans to loans | 0.4093% | 2,061 |
| Net loans and leases to total assets | 45.1500% | 3,849 |
| Net loans and leases to deposits | 50.7154% | 3,891 |
| Net loans and leases to core deposits | 105.2438% | 1,165 |
| Total domestic deposits to total assets | 89.0300% | 1,156 |
| Equity capital to assets | 10.0775% | 2,082 |
| Core capital (leverage) ratio | 9.6909% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9960% | 890 |
| Memoranda: | ||
| Average total assets | $294,778,800 | 2,491 |
| Average earning assets | $280,966,600 | 2,455 |
| Average equity | $31,285,800 | 2,325 |
| Average total loans | $123,550,200 | 2,963 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5002% | 2,082 |
| Cost of funding earning assets | 3.2618% | 317 |
| Net interest margin | 2.2384% | 4,131 |
| Noninterest income to average assets | 0.0800% | 4,299 |
| Noninterest expense to average assets | 2.8651% | 1,343 |
| Loan and lease loss provision to assets | 0.2300% | 492 |
| Net operating income to assets | -0.6885% | 4,407 |
| Return on assets (ROA) | -0.6885% | 4,436 |
| Pretax return on assets | -0.8813% | 4,449 |
| Return on Equity (ROE) | -6.3900% | 4,412 |
| Retained earnings to average equity (ytd only) | -6.3940% | 4,370 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 129.6585% | 107 |
| Assets per employee ($millions) | 7.4077% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6220% | 4,198 |
| Loan loss allowance to noncurrent loans | 138.9073% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 2,513 |
| Noncurrent loans to loans | 0.4478% | 1,962 |
| Net loans and leases to total assets | 42.0900% | 3,966 |
| Net loans and leases to deposits | 53.4222% | 3,840 |
| Net loans and leases to core deposits | 98.4750% | 1,584 |
| Total domestic deposits to total assets | 78.7800% | 3,635 |
| Equity capital to assets | 9.8249% | 2,410 |
| Core capital (leverage) ratio | 10.8034% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1821% | 768 |
| Memoranda: | ||
| Average total assets | $286,238,500 | 2,517 |
| Average earning assets | $272,688,250 | 2,484 |
| Average equity | $30,820,000 | 2,342 |
| Average total loans | $117,060,250 | 3,023 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4166% | 2,121 |
| Cost of funding earning assets | 3.1646% | 341 |
| Net interest margin | 2.2520% | 4,123 |
| Noninterest income to average assets | 0.0900% | 4,266 |
| Noninterest expense to average assets | 2.8779% | 1,308 |
| Loan and lease loss provision to assets | 0.2900% | 343 |
| Net operating income to assets | -0.7333% | 4,438 |
| Return on assets (ROA) | -0.7333% | 4,467 |
| Pretax return on assets | -0.9351% | 4,470 |
| Return on Equity (ROE) | -6.5900% | 4,433 |
| Retained earnings to average equity (ytd only) | -6.5880% | 4,365 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 129.0365% | 110 |
| Assets per employee ($millions) | 7.2353% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6079% | 4,233 |
| Loan loss allowance to noncurrent loans | 139.5307% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 2,507 |
| Noncurrent loans to loans | 0.4357% | 1,905 |
| Net loans and leases to total assets | 40.6200% | 4,018 |
| Net loans and leases to deposits | 58.8087% | 3,633 |
| Net loans and leases to core deposits | 104.9454% | 1,209 |
| Total domestic deposits to total assets | 69.0800% | 4,255 |
| Equity capital to assets | 9.9612% | 2,097 |
| Core capital (leverage) ratio | 12.1099% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $275,475,000 | 2,566 |
| Average earning assets | $262,340,667 | 2,525 |
| Average equity | $30,661,667 | 2,321 |
| Average total loans | $111,116,000 | 3,094 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4072% | 1,983 |
| Cost of funding earning assets | 3.1490% | 334 |
| Net interest margin | 2.2582% | 4,135 |
| Noninterest income to average assets | 0.0700% | 4,325 |
| Noninterest expense to average assets | 3.0832% | 995 |
| Loan and lease loss provision to assets | 0.1300% | 807 |
| Net operating income to assets | -0.7685% | 4,497 |
| Return on assets (ROA) | -0.7685% | 4,485 |
| Pretax return on assets | -0.9982% | 4,501 |
| Return on Equity (ROE) | -6.4900% | 4,447 |
| Retained earnings to average equity (ytd only) | -6.4924% | 4,192 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 139.2707% | 73 |
| Assets per employee ($millions) | 7.1338% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5670% | 4,274 |
| Loan loss allowance to noncurrent loans | 102.2109% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 2,269 |
| Noncurrent loans to loans | 0.5547% | 1,537 |
| Net loans and leases to total assets | 38.8800% | 4,058 |
| Net loans and leases to deposits | 49.2330% | 3,946 |
| Net loans and leases to core deposits | 87.7517% | 2,189 |
| Total domestic deposits to total assets | 78.9700% | 3,680 |
| Equity capital to assets | 11.2182% | 1,425 |
| Core capital (leverage) ratio | 13.0290% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $257,653,500 | 2,661 |
| Average earning assets | $245,154,000 | 2,623 |
| Average equity | $30,497,000 | 2,333 |
| Average total loans | $103,092,000 | 3,186 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 3,314 |
| Cost of funding earning assets | 1.7786% | 1,283 |
| Net interest margin | 2.6009% | 3,960 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.9073% | 1,261 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | -0.3624% | 4,495 |
| Return on assets (ROA) | -0.3633% | 4,480 |
| Pretax return on assets | -0.4769% | 4,483 |
| Return on Equity (ROE) | -2.1800% | 4,423 |
| Retained earnings to average equity (ytd only) | -2.1831% | 4,283 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 112.9475% | 97 |
| Assets per employee ($millions) | 7.4005% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5310% | 4,314 |
| Loan loss allowance to noncurrent loans | 100.5671% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 2,143 |
| Noncurrent loans to loans | 0.5280% | 1,468 |
| Net loans and leases to total assets | 40.8000% | 4,011 |
| Net loans and leases to deposits | 58.5019% | 3,609 |
| Net loans and leases to core deposits | 88.4691% | 2,151 |
| Total domestic deposits to total assets | 69.7500% | 4,297 |
| Equity capital to assets | 12.5229% | 988 |
| Core capital (leverage) ratio | 15.3943% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $186,631,200 | 3,079 |
| Average earning assets | $176,708,200 | 3,036 |
| Average equity | $31,057,200 | 2,218 |
| Average total loans | $86,767,400 | 3,335 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0100% | 3,830 |
| Cost of funding earning assets | 1.2977% | 2,157 |
| Net interest margin | 2.7124% | 3,867 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 3.0439% | 998 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | -0.3840% | 4,524 |
| Return on assets (ROA) | -0.3854% | 4,508 |
| Pretax return on assets | -0.4102% | 4,503 |
| Return on Equity (ROE) | -2.1300% | 4,455 |
| Retained earnings to average equity (ytd only) | -2.1269% | 4,327 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 113.8021% | 93 |
| Assets per employee ($millions) | 7.4420% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2946% | 4,444 |
| Loan loss allowance to noncurrent loans | 56.2372% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 2,127 |
| Noncurrent loans to loans | 0.5238% | 1,510 |
| Net loans and leases to total assets | 43.1300% | 3,948 |
| Net loans and leases to deposits | 63.2535% | 3,308 |
| Net loans and leases to core deposits | 84.5206% | 2,292 |
| Total domestic deposits to total assets | 68.1800% | 4,367 |
| Equity capital to assets | 14.0281% | 648 |
| Core capital (leverage) ratio | 17.4331% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $172,272,250 | 3,191 |
| Average earning assets | $162,953,250 | 3,158 |
| Average equity | $31,218,250 | 2,200 |
| Average total loans | $83,414,250 | 3,373 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7999% | 4,016 |
| Cost of funding earning assets | 0.8385% | 3,105 |
| Net interest margin | 2.9615% | 3,539 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 3.0160% | 1,017 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | -0.1724% | 4,528 |
| Return on assets (ROA) | -0.1724% | 4,512 |
| Pretax return on assets | -0.1534% | 4,502 |
| Return on Equity (ROE) | -0.8600% | 4,467 |
| Retained earnings to average equity (ytd only) | -0.8626% | 4,197 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 103.5248% | 131 |
| Assets per employee ($millions) | 6.3930% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3229% | 4,469 |
| Loan loss allowance to noncurrent loans | 86.5132% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 2,283 |
| Noncurrent loans to loans | 0.3733% | 1,805 |
| Net loans and leases to total assets | 48.8400% | 3,638 |
| Net loans and leases to deposits | 63.3210% | 3,238 |
| Net loans and leases to core deposits | 72.2613% | 2,998 |
| Total domestic deposits to total assets | 77.1300% | 3,939 |
| Equity capital to assets | 18.7459% | 316 |
| Core capital (leverage) ratio | 20.5705% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $157,757,333 | 3,319 |
| Average earning assets | $148,845,333 | 3,283 |
| Average equity | $31,532,667 | 2,198 |
| Average total loans | $80,100,667 | 3,413 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6053% | 4,148 |
| Cost of funding earning assets | 0.4420% | 3,858 |
| Net interest margin | 3.1633% | 3,202 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.7226% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3283% | 4,206 |
| Return on assets (ROA) | 0.3283% | 4,166 |
| Pretax return on assets | 0.3882% | 4,150 |
| Return on Equity (ROE) | 1.5900% | 4,337 |
| Retained earnings to average equity (ytd only) | 1.5889% | 3,768 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.5209% | 441 |
| Assets per employee ($millions) | 7.9962% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2832% | 4,544 |
| Loan loss allowance to noncurrent loans | 84.7909% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 2,354 |
| Noncurrent loans to loans | 0.3340% | 1,959 |
| Net loans and leases to total assets | 49.1000% | 3,557 |
| Net loans and leases to deposits | 61.5854% | 3,253 |
| Net loans and leases to core deposits | 69.4219% | 2,990 |
| Total domestic deposits to total assets | 79.7300% | 3,800 |
| Equity capital to assets | 20.0120% | 234 |
| Core capital (leverage) ratio | 22.6884% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $153,527,000 | 3,392 |
| Average earning assets | $144,786,000 | 3,357 |
| Average equity | $31,719,500 | 2,227 |
| Average total loans | $79,428,500 | 3,462 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8680% | 4,268 |
| Cost of funding earning assets | 0.2497% | 3,320 |
| Net interest margin | 2.6183% | 4,150 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.7683% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.1126% | 4,594 |
| Return on assets (ROA) | -0.1126% | 4,583 |
| Pretax return on assets | -0.1710% | 4,583 |
| Return on Equity (ROE) | -0.6000% | 4,562 |
| Retained earnings to average equity (ytd only) | -0.5962% | 4,408 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 106.5846% | 107 |
| Assets per employee ($millions) | 8.6545% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2784% | 4,559 |
| Loan loss allowance to noncurrent loans | 83.5206% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 2,280 |
| Noncurrent loans to loans | 0.3333% | 1,957 |
| Net loans and leases to total assets | 54.2900% | 3,173 |
| Net loans and leases to deposits | 69.7937% | 2,598 |
| Net loans and leases to core deposits | 72.1215% | 2,715 |
| Total domestic deposits to total assets | 77.7900% | 4,112 |
| Equity capital to assets | 21.3980% | 199 |
| Core capital (leverage) ratio | 22.5592% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $143,843,200 | 3,505 |
| Average earning assets | $134,553,000 | 3,479 |
| Average equity | $27,173,800 | 2,470 |
| Average total loans | $78,778,000 | 3,430 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6413% | 4,354 |
| Cost of funding earning assets | 0.2334% | 2,890 |
| Net interest margin | 2.4079% | 4,314 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.0891% | 3,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2694% | 4,419 |
| Return on assets (ROA) | 0.2694% | 4,378 |
| Pretax return on assets | 0.3123% | 4,363 |
| Return on Equity (ROE) | 1.4800% | 4,455 |
| Retained earnings to average equity (ytd only) | 1.4765% | 4,146 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.9953% | 418 |
| Assets per employee ($millions) | 8.5881% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2811% | 4,592 |
| Loan loss allowance to noncurrent loans | 80.2158% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 2,334 |
| Noncurrent loans to loans | 0.3505% | 1,977 |
| Net loans and leases to total assets | 54.1800% | 3,082 |
| Net loans and leases to deposits | 69.4192% | 2,419 |
| Net loans and leases to core deposits | 71.4651% | 2,530 |
| Total domestic deposits to total assets | 78.0500% | 4,252 |
| Equity capital to assets | 21.6607% | 185 |
| Core capital (leverage) ratio | 22.4137% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $143,022,500 | 3,533 |
| Average earning assets | $133,669,750 | 3,509 |
| Average equity | $26,096,750 | 2,564 |
| Average total loans | $78,446,500 | 3,448 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4547% | 4,418 |
| Cost of funding earning assets | 0.2203% | 2,641 |
| Net interest margin | 2.2344% | 4,394 |
| Noninterest income to average assets | 0.1520% | 4,251 |
| Noninterest expense to average assets | 1.9961% | 3,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2126% | 4,404 |
| Return on assets (ROA) | 0.2126% | 4,364 |
| Pretax return on assets | 0.2407% | 4,360 |
| Return on Equity (ROE) | 1.2442% | 4,433 |
| Retained earnings to average equity (ytd only) | 1.2442% | 3,937 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2385% | 441 |
| Assets per employee ($millions) | 8.3221% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2861% | 4,665 |
| Loan loss allowance to noncurrent loans | 61.9444% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 2,127 |
| Noncurrent loans to loans | 0.4619% | 1,729 |
| Net loans and leases to total assets | 51.8765% | 3,171 |
| Net loans and leases to deposits | 61.6903% | 2,914 |
| Net loans and leases to core deposits | 63.2272% | 3,023 |
| Total domestic deposits to total assets | 84.0919% | 3,671 |
| Equity capital to assets | 15.6331% | 357 |
| Core capital (leverage) ratio | 17.5440% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,079,667 | 3,585 |
| Average earning assets | $132,562,333 | 3,568 |
| Average equity | $24,271,667 | 2,726 |
| Average total loans | $78,154,667 | 3,482 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4317% | 4,344 |
| Cost of funding earning assets | 0.2323% | 2,359 |
| Net interest margin | 2.1994% | 4,350 |
| Noninterest income to average assets | 0.1534% | 4,236 |
| Noninterest expense to average assets | 2.0200% | 3,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1707% | 4,376 |
| Return on assets (ROA) | 0.1707% | 4,344 |
| Pretax return on assets | 0.1881% | 4,336 |
| Return on Equity (ROE) | 0.9555% | 4,432 |
| Retained earnings to average equity (ytd only) | 0.9555% | 3,832 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4810% | 485 |
| Assets per employee ($millions) | 6.8891% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2827% | 4,697 |
| Loan loss allowance to noncurrent loans | 96.5368% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 2,618 |
| Noncurrent loans to loans | 0.2928% | 2,421 |
| Net loans and leases to total assets | 57.0931% | 2,407 |
| Net loans and leases to deposits | 69.3912% | 2,023 |
| Net loans and leases to core deposits | 71.1029% | 2,197 |
| Total domestic deposits to total assets | 82.2771% | 4,047 |
| Equity capital to assets | 17.5241% | 249 |
| Core capital (leverage) ratio | 17.8055% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,220,500 | 3,638 |
| Average earning assets | $129,128,000 | 3,619 |
| Average equity | $24,698,500 | 2,794 |
| Average total loans | $78,265,500 | 3,486 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5979% | 4,410 |
| Cost of funding earning assets | 0.3156% | 2,244 |
| Net interest margin | 2.2823% | 4,431 |
| Noninterest income to average assets | 0.1703% | 4,305 |
| Noninterest expense to average assets | 2.0578% | 3,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2523% | 4,481 |
| Return on assets (ROA) | 0.0271% | 4,676 |
| Pretax return on assets | 0.0139% | 4,680 |
| Return on Equity (ROE) | 0.1380% | 4,680 |
| Retained earnings to average equity (ytd only) | 0.1380% | 4,454 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5889% | 344 |
| Assets per employee ($millions) | 6.6028% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2872% | 4,734 |
| Loan loss allowance to noncurrent loans | 138.5093% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 3,113 |
| Noncurrent loans to loans | 0.2074% | 2,916 |
| Net loans and leases to total assets | 55.8355% | 2,639 |
| Net loans and leases to deposits | 68.4863% | 2,262 |
| Net loans and leases to core deposits | 70.4583% | 2,403 |
| Total domestic deposits to total assets | 81.5281% | 4,035 |
| Equity capital to assets | 18.2116% | 250 |
| Core capital (leverage) ratio | 18.5478% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,217,200 | 3,691 |
| Average earning assets | $120,406,600 | 3,684 |
| Average equity | $25,364,800 | 2,825 |
| Average total loans | $73,876,800 | 3,586 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6464% | 4,461 |
| Cost of funding earning assets | 0.3343% | 2,258 |
| Net interest margin | 2.3121% | 4,483 |
| Noninterest income to average assets | 0.1734% | 4,343 |
| Noninterest expense to average assets | 2.0789% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2165% | 4,613 |
| Return on assets (ROA) | 0.2165% | 4,634 |
| Pretax return on assets | 0.2459% | 4,633 |
| Return on Equity (ROE) | 1.0816% | 4,688 |
| Retained earnings to average equity (ytd only) | 1.0816% | 4,403 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4213% | 340 |
| Assets per employee ($millions) | 7.5184% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2925% | 4,819 |
| Loan loss allowance to noncurrent loans | 134.3373% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 3,247 |
| Noncurrent loans to loans | 0.2177% | 3,078 |
| Net loans and leases to total assets | 59.4733% | 2,325 |
| Net loans and leases to deposits | 74.5659% | 1,805 |
| Net loans and leases to core deposits | 76.7415% | 1,981 |
| Total domestic deposits to total assets | 79.7593% | 4,260 |
| Equity capital to assets | 19.8902% | 195 |
| Core capital (leverage) ratio | 19.6765% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,856,750 | 3,754 |
| Average earning assets | $118,042,000 | 3,744 |
| Average equity | $25,393,000 | 2,851 |
| Average total loans | $72,935,000 | 3,652 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6450% | 4,510 |
| Cost of funding earning assets | 0.3417% | 2,388 |
| Net interest margin | 2.3033% | 4,515 |
| Noninterest income to average assets | 0.1739% | 4,338 |
| Noninterest expense to average assets | 2.0579% | 3,527 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2260% | 4,609 |
| Return on assets (ROA) | 0.2260% | 4,622 |
| Pretax return on assets | 0.2576% | 4,627 |
| Return on Equity (ROE) | 1.1267% | 4,685 |
| Retained earnings to average equity (ytd only) | 1.1267% | 4,312 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8737% | 370 |
| Assets per employee ($millions) | 7.0893% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2989% | 4,850 |
| Loan loss allowance to noncurrent loans | 122.5275% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 3,299 |
| Noncurrent loans to loans | 0.2439% | 3,076 |
| Net loans and leases to total assets | 58.2915% | 2,633 |
| Net loans and leases to deposits | 73.0523% | 2,102 |
| Net loans and leases to core deposits | 74.9612% | 2,334 |
| Total domestic deposits to total assets | 79.7942% | 4,257 |
| Equity capital to assets | 19.9017% | 198 |
| Core capital (leverage) ratio | 19.4923% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,538,333 | 3,771 |
| Average earning assets | $117,657,333 | 3,764 |
| Average equity | $25,383,333 | 2,851 |
| Average total loans | $71,834,333 | 3,693 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6277% | 4,547 |
| Cost of funding earning assets | 0.3520% | 2,502 |
| Net interest margin | 2.2758% | 4,545 |
| Noninterest income to average assets | 0.1714% | 4,339 |
| Noninterest expense to average assets | 2.0412% | 3,585 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2127% | 4,623 |
| Return on assets (ROA) | 0.2127% | 4,649 |
| Pretax return on assets | 0.2444% | 4,647 |
| Return on Equity (ROE) | 1.0561% | 4,704 |
| Retained earnings to average equity (ytd only) | 1.0561% | 4,202 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3056% | 396 |
| Assets per employee ($millions) | 7.0853% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3173% | 4,868 |
| Loan loss allowance to noncurrent loans | 3,185.7143% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,358 |
| Noncurrent loans to loans | 0.0100% | 4,265 |
| Net loans and leases to total assets | 54.9288% | 3,150 |
| Net loans and leases to deposits | 68.7100% | 2,626 |
| Net loans and leases to core deposits | 70.7002% | 2,813 |
| Total domestic deposits to total assets | 79.9429% | 4,213 |
| Equity capital to assets | 19.8258% | 189 |
| Core capital (leverage) ratio | 19.9133% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,004,000 | 3,786 |
| Average earning assets | $117,058,500 | 3,772 |
| Average equity | $25,377,000 | 2,848 |
| Average total loans | $70,448,000 | 3,725 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9640% | 4,659 |
| Cost of funding earning assets | 0.5424% | 2,658 |
| Net interest margin | 2.4215% | 4,641 |
| Noninterest income to average assets | 0.1713% | 4,427 |
| Noninterest expense to average assets | 2.1274% | 3,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2465% | 4,503 |
| Return on assets (ROA) | 0.2465% | 4,567 |
| Pretax return on assets | 0.2858% | 4,566 |
| Return on Equity (ROE) | 1.1661% | 4,660 |
| Retained earnings to average equity (ytd only) | 1.1661% | 4,160 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1579% | 439 |
| Assets per employee ($millions) | 7.3219% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3158% | 4,891 |
| Loan loss allowance to noncurrent loans | 247.7778% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,974 |
| Noncurrent loans to loans | 0.1274% | 3,771 |
| Net loans and leases to total assets | 56.5557% | 3,244 |
| Net loans and leases to deposits | 71.3709% | 2,752 |
| Net loans and leases to core deposits | 73.5122% | 2,952 |
| Total domestic deposits to total assets | 79.2419% | 4,174 |
| Equity capital to assets | 20.4616% | 181 |
| Core capital (leverage) ratio | 20.5329% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,674,800 | 3,753 |
| Average earning assets | $110,797,400 | 3,755 |
| Average equity | $25,297,800 | 2,776 |
| Average total loans | $69,692,800 | 3,747 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0548% | 4,699 |
| Cost of funding earning assets | 0.5937% | 2,656 |
| Net interest margin | 2.4611% | 4,681 |
| Noninterest income to average assets | 0.1722% | 4,434 |
| Noninterest expense to average assets | 2.1236% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2780% | 4,478 |
| Return on assets (ROA) | 0.2780% | 4,524 |
| Pretax return on assets | 0.3252% | 4,523 |
| Return on Equity (ROE) | 1.3040% | 4,662 |
| Retained earnings to average equity (ytd only) | 1.3040% | 4,152 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7188% | 469 |
| Assets per employee ($millions) | 6.9714% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3192% | 4,924 |
| Loan loss allowance to noncurrent loans | 1,592.8571% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 4,440 |
| Noncurrent loans to loans | 0.0200% | 4,333 |
| Net loans and leases to total assets | 58.7585% | 3,344 |
| Net loans and leases to deposits | 75.1784% | 2,832 |
| Net loans and leases to core deposits | 77.8180% | 3,023 |
| Total domestic deposits to total assets | 78.1587% | 4,172 |
| Equity capital to assets | 21.4456% | 159 |
| Core capital (leverage) ratio | 20.9128% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,475,500 | 3,763 |
| Average earning assets | $109,596,250 | 3,762 |
| Average equity | $25,255,000 | 2,774 |
| Average total loans | $69,461,250 | 3,759 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1580% | 4,747 |
| Cost of funding earning assets | 0.6389% | 2,763 |
| Net interest margin | 2.5191% | 4,726 |
| Noninterest income to average assets | 0.1722% | 4,431 |
| Noninterest expense to average assets | 2.1441% | 3,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3039% | 4,414 |
| Return on assets (ROA) | 0.3039% | 4,459 |
| Pretax return on assets | 0.3579% | 4,454 |
| Return on Equity (ROE) | 1.4285% | 4,629 |
| Retained earnings to average equity (ytd only) | 1.4285% | 3,962 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6950% | 555 |
| Assets per employee ($millions) | 6.7066% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3199% | 4,951 |
| Loan loss allowance to noncurrent loans | 506.8182% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 4,363 |
| Noncurrent loans to loans | 0.0631% | 4,227 |
| Net loans and leases to total assets | 57.5667% | 3,549 |
| Net loans and leases to deposits | 73.2233% | 3,145 |
| Net loans and leases to core deposits | 75.9730% | 3,285 |
| Total domestic deposits to total assets | 78.6181% | 4,092 |
| Equity capital to assets | 21.0099% | 179 |
| Core capital (leverage) ratio | 21.0632% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,462,667 | 3,744 |
| Average earning assets | $109,563,667 | 3,748 |
| Average equity | $25,201,333 | 2,766 |
| Average total loans | $69,328,333 | 3,766 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2816% | 4,826 |
| Cost of funding earning assets | 0.6784% | 3,020 |
| Net interest margin | 2.6031% | 4,755 |
| Noninterest income to average assets | 0.1773% | 4,482 |
| Noninterest expense to average assets | 2.2500% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2864% | 4,371 |
| Return on assets (ROA) | 0.2864% | 4,394 |
| Pretax return on assets | 0.3341% | 4,397 |
| Return on Equity (ROE) | 1.3376% | 4,579 |
| Retained earnings to average equity (ytd only) | 1.3376% | 3,655 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0712% | 628 |
| Assets per employee ($millions) | 7.3022% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3211% | 4,982 |
| Loan loss allowance to noncurrent loans | 412.9630% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 4,379 |
| Noncurrent loans to loans | 0.0778% | 4,201 |
| Net loans and leases to total assets | 59.2459% | 3,570 |
| Net loans and leases to deposits | 75.8210% | 3,090 |
| Net loans and leases to core deposits | 78.7808% | 3,299 |
| Total domestic deposits to total assets | 78.1393% | 4,194 |
| Equity capital to assets | 21.5389% | 187 |
| Core capital (leverage) ratio | 21.1225% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,334,500 | 3,744 |
| Average earning assets | $108,485,000 | 3,739 |
| Average equity | $25,120,500 | 2,769 |
| Average total loans | $69,134,000 | 3,778 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4346% | 4,902 |
| Cost of funding earning assets | 0.6628% | 3,342 |
| Net interest margin | 2.7718% | 4,778 |
| Noninterest income to average assets | 0.1872% | 4,545 |
| Noninterest expense to average assets | 2.2337% | 4,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4341% | 4,535 |
| Return on assets (ROA) | 0.4341% | 4,567 |
| Pretax return on assets | 0.5225% | 4,531 |
| Return on Equity (ROE) | 2.0249% | 4,796 |
| Retained earnings to average equity (ytd only) | 2.0249% | 3,988 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0437% | 862 |
| Assets per employee ($millions) | 6.9314% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3240% | 5,032 |
| Loan loss allowance to noncurrent loans | 256.3218% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 4,267 |
| Noncurrent loans to loans | 0.1264% | 4,019 |
| Net loans and leases to total assets | 58.2192% | 3,755 |
| Net loans and leases to deposits | 74.2173% | 3,332 |
| Net loans and leases to core deposits | 77.6594% | 3,468 |
| Total domestic deposits to total assets | 78.4443% | 4,287 |
| Equity capital to assets | 21.2808% | 197 |
| Core capital (leverage) ratio | 21.1373% | 193 |
| Tier 1 risk-based capital ratio | 47.8021% | 150 |
| Total risk-based capital ratio | 48.2268% | 158 |
| Memoranda: | ||
| Average total assets | $115,413,800 | 3,756 |
| Average earning assets | $106,971,200 | 3,760 |
| Average equity | $24,742,400 | 2,736 |
| Average total loans | $66,410,200 | 3,849 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4496% | 4,985 |
| Cost of funding earning assets | 0.6541% | 3,432 |
| Net interest margin | 2.7955% | 4,864 |
| Noninterest income to average assets | 0.1881% | 4,591 |
| Noninterest expense to average assets | 2.2204% | 4,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4622% | 4,600 |
| Return on assets (ROA) | 0.4622% | 4,635 |
| Pretax return on assets | 0.5586% | 4,611 |
| Return on Equity (ROE) | 2.1520% | 4,879 |
| Retained earnings to average equity (ytd only) | 2.1520% | 4,220 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8997% | 932 |
| Assets per employee ($millions) | 7.2734% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3279% | 5,104 |
| Loan loss allowance to noncurrent loans | 167.6692% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 4,146 |
| Noncurrent loans to loans | 0.1956% | 3,836 |
| Net loans and leases to total assets | 58.2505% | 3,856 |
| Net loans and leases to deposits | 74.5663% | 3,429 |
| Net loans and leases to core deposits | 77.2824% | 3,606 |
| Total domestic deposits to total assets | 78.1190% | 4,321 |
| Equity capital to assets | 21.4711% | 199 |
| Core capital (leverage) ratio | 21.2538% | 191 |
| Tier 1 risk-based capital ratio | 47.7652% | 153 |
| Total risk-based capital ratio | 48.1913% | 157 |
| Memoranda: | ||
| Average total assets | $114,808,750 | 3,810 |
| Average earning assets | $106,406,500 | 3,816 |
| Average equity | $24,659,000 | 2,756 |
| Average total loans | $65,806,500 | 3,910 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4320% | 5,059 |
| Cost of funding earning assets | 0.6365% | 3,477 |
| Net interest margin | 2.7955% | 4,935 |
| Noninterest income to average assets | 0.1802% | 4,670 |
| Noninterest expense to average assets | 2.1997% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4725% | 4,591 |
| Return on assets (ROA) | 0.4725% | 4,620 |
| Pretax return on assets | 0.5705% | 4,594 |
| Return on Equity (ROE) | 2.1996% | 4,915 |
| Retained earnings to average equity (ytd only) | 2.1996% | 4,052 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4062% | 1,024 |
| Assets per employee ($millions) | 7.2467% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3314% | 5,154 |
| Loan loss allowance to noncurrent loans | 167.6692% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 4,186 |
| Noncurrent loans to loans | 0.1977% | 3,842 |
| Net loans and leases to total assets | 57.8411% | 3,934 |
| Net loans and leases to deposits | 73.9628% | 3,523 |
| Net loans and leases to core deposits | 76.6501% | 3,674 |
| Total domestic deposits to total assets | 78.2030% | 4,355 |
| Equity capital to assets | 21.4219% | 192 |
| Core capital (leverage) ratio | 21.2582% | 184 |
| Tier 1 risk-based capital ratio | 47.8534% | 149 |
| Total risk-based capital ratio | 48.2825% | 154 |
| Memoranda: | ||
| Average total assets | $114,286,670 | 3,840 |
| Average earning assets | $105,885,670 | 3,844 |
| Average equity | $24,549,670 | 2,764 |
| Average total loans | $65,071,330 | 3,951 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3723% | 5,135 |
| Cost of funding earning assets | 0.6166% | 3,478 |
| Net interest margin | 2.7557% | 5,022 |
| Noninterest income to average assets | 0.1728% | 4,701 |
| Noninterest expense to average assets | 2.2246% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4160% | 4,696 |
| Return on assets (ROA) | 0.4160% | 4,709 |
| Pretax return on assets | 0.5006% | 4,680 |
| Return on Equity (ROE) | 1.9340% | 4,976 |
| Retained earnings to average equity (ytd only) | 1.9340% | 4,084 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6300% | 908 |
| Assets per employee ($millions) | 7.1126% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3506% | 5,215 |
| Loan loss allowance to noncurrent loans | 208.4112% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 4,342 |
| Noncurrent loans to loans | 0.1682% | 3,996 |
| Net loans and leases to total assets | 55.6994% | 4,087 |
| Net loans and leases to deposits | 71.2686% | 3,658 |
| Net loans and leases to core deposits | 73.8974% | 3,801 |
| Total domestic deposits to total assets | 78.1542% | 4,492 |
| Equity capital to assets | 21.5638% | 182 |
| Core capital (leverage) ratio | 21.4683% | 183 |
| Tier 1 risk-based capital ratio | 50.4965% | 124 |
| Total risk-based capital ratio | 50.9521% | 129 |
| Memoranda: | ||
| Average total assets | $113,456,500 | 3,887 |
| Average earning assets | $105,090,500 | 3,898 |
| Average equity | $24,405,500 | 2,770 |
| Average total loans | $63,963,000 | 4,011 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2042% | 5,149 |
| Cost of funding earning assets | 0.4894% | 3,424 |
| Net interest margin | 2.7148% | 5,088 |
| Noninterest income to average assets | 0.1592% | 4,925 |
| Noninterest expense to average assets | 2.2559% | 4,214 |
| Loan and lease loss provision to assets | -0.0088% | 5,107 |
| Net operating income to assets | 0.3841% | 4,886 |
| Return on assets (ROA) | 0.3864% | 4,880 |
| Pretax return on assets | 0.4360% | 4,895 |
| Return on Equity (ROE) | 1.8223% | 5,067 |
| Retained earnings to average equity (ytd only) | 1.8223% | 4,420 |
| Net charge-offs to loans | -0.0161% | 4,632 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1636% | 646 |
| Assets per employee ($millions) | 7.5407% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3467% | 5,256 |
| Loan loss allowance to noncurrent loans | 92.1488% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 3,751 |
| Noncurrent loans to loans | 0.3763% | 3,189 |
| Net loans and leases to total assets | 56.6638% | 4,078 |
| Net loans and leases to deposits | 72.3479% | 3,640 |
| Net loans and leases to core deposits | 73.9395% | 3,859 |
| Total domestic deposits to total assets | 78.3213% | 4,440 |
| Equity capital to assets | 21.4577% | 182 |
| Core capital (leverage) ratio | 21.4517% | 180 |
| Tier 1 risk-based capital ratio | 50.3882% | 130 |
| Total risk-based capital ratio | 50.8450% | 134 |
| Memoranda: | ||
| Average total assets | $113,082,400 | 3,897 |
| Average earning assets | $105,018,600 | 3,895 |
| Average equity | $23,980,800 | 2,733 |
| Average total loans | $62,054,800 | 4,047 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1602% | 5,217 |
| Cost of funding earning assets | 0.4694% | 3,399 |
| Net interest margin | 2.6908% | 5,171 |
| Noninterest income to average assets | 0.1486% | 5,032 |
| Noninterest expense to average assets | 2.2191% | 4,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3976% | 4,961 |
| Return on assets (ROA) | 0.4009% | 4,955 |
| Pretax return on assets | 0.4339% | 4,996 |
| Return on Equity (ROE) | 1.8961% | 5,142 |
| Retained earnings to average equity (ytd only) | 1.8961% | 4,613 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7561% | 655 |
| Assets per employee ($millions) | 7.3745% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3542% | 5,327 |
| Loan loss allowance to noncurrent loans | 145.7516% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 4,254 |
| Noncurrent loans to loans | 0.2430% | 3,826 |
| Net loans and leases to total assets | 56.7096% | 4,158 |
| Net loans and leases to deposits | 72.7485% | 3,702 |
| Net loans and leases to core deposits | 74.3875% | 3,921 |
| Total domestic deposits to total assets | 77.9530% | 4,491 |
| Equity capital to assets | 21.7514% | 171 |
| Core capital (leverage) ratio | 21.4982% | 177 |
| Tier 1 risk-based capital ratio | 51.4285% | 125 |
| Total risk-based capital ratio | 51.8966% | 126 |
| Memoranda: | ||
| Average total assets | $113,075,250 | 3,937 |
| Average earning assets | $105,096,750 | 3,935 |
| Average equity | $23,908,250 | 2,747 |
| Average total loans | $61,489,500 | 4,096 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1144% | 5,279 |
| Cost of funding earning assets | 0.4584% | 3,297 |
| Net interest margin | 2.6560% | 5,245 |
| Noninterest income to average assets | 0.1317% | 5,149 |
| Noninterest expense to average assets | 2.1985% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3398% | 5,062 |
| Return on assets (ROA) | 0.3442% | 5,053 |
| Pretax return on assets | 0.4109% | 5,033 |
| Return on Equity (ROE) | 1.6431% | 5,211 |
| Retained earnings to average equity (ytd only) | 1.6431% | 4,590 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4235% | 667 |
| Assets per employee ($millions) | 7.0925% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3549% | 5,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 55.1798% | 4,229 |
| Net loans and leases to deposits | 70.1343% | 3,844 |
| Net loans and leases to core deposits | 71.6535% | 4,032 |
| Total domestic deposits to total assets | 78.6773% | 4,478 |
| Equity capital to assets | 21.0442% | 187 |
| Core capital (leverage) ratio | 21.1549% | 185 |
| Tier 1 risk-based capital ratio | 51.0172% | 125 |
| Total risk-based capital ratio | 51.4849% | 130 |
| Memoranda: | ||
| Average total assets | $113,894,330 | 3,951 |
| Average earning assets | $106,025,330 | 3,945 |
| Average equity | $23,857,330 | 2,765 |
| Average total loans | $61,001,330 | 4,140 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0574% | 5,340 |
| Cost of funding earning assets | 0.4588% | 3,142 |
| Net interest margin | 2.5986% | 5,325 |
| Noninterest income to average assets | 0.0736% | 5,417 |
| Noninterest expense to average assets | 2.1980% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2540% | 5,171 |
| Return on assets (ROA) | 0.2629% | 5,154 |
| Pretax return on assets | 0.3085% | 5,161 |
| Return on Equity (ROE) | 1.2581% | 5,283 |
| Retained earnings to average equity (ytd only) | 1.2581% | 4,557 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0618% | 538 |
| Assets per employee ($millions) | 7.1050% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3681% | 5,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 53.1008% | 4,358 |
| Net loans and leases to deposits | 67.3408% | 3,993 |
| Net loans and leases to core deposits | 68.7889% | 4,171 |
| Total domestic deposits to total assets | 78.8538% | 4,602 |
| Equity capital to assets | 20.9219% | 184 |
| Core capital (leverage) ratio | 21.0301% | 180 |
| Tier 1 risk-based capital ratio | 52.3318% | 118 |
| Total risk-based capital ratio | 52.8140% | 120 |
| Memoranda: | ||
| Average total assets | $114,101,500 | 3,991 |
| Average earning assets | $106,364,000 | 3,983 |
| Average equity | $23,845,500 | 2,791 |
| Average total loans | $60,081,500 | 4,192 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9831% | 5,369 |
| Cost of funding earning assets | 0.4686% | 2,611 |
| Net interest margin | 2.5145% | 5,400 |
| Noninterest income to average assets | 0.1494% | 5,204 |
| Noninterest expense to average assets | 2.1538% | 4,639 |
| Loan and lease loss provision to assets | 0.0078% | 4,111 |
| Net operating income to assets | 0.2582% | 5,006 |
| Return on assets (ROA) | 0.2582% | 5,025 |
| Pretax return on assets | 0.3463% | 5,160 |
| Return on Equity (ROE) | 1.2557% | 5,196 |
| Retained earnings to average equity (ytd only) | 1.2557% | 4,521 |
| Net charge-offs to loans | 0.0115% | 3,683 |
| Credit loss provision to net charge-offs | 128.5714% | 2,045 |
| Earnings coverage of net charge-offs (x) | 58.5714% | 966 |
| Efficiency ratio | 85.8815% | 653 |
| Assets per employee ($millions) | 7.1577% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3743% | 5,507 |
| Loan loss allowance to noncurrent loans | 210.3774% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 4,306 |
| Noncurrent loans to loans | 0.1779% | 4,208 |
| Net loans and leases to total assets | 51.8254% | 4,527 |
| Net loans and leases to deposits | 65.6432% | 4,215 |
| Net loans and leases to core deposits | 67.4248% | 4,333 |
| Total domestic deposits to total assets | 78.9501% | 4,557 |
| Equity capital to assets | 20.8753% | 183 |
| Core capital (leverage) ratio | 20.7756% | 180 |
| Tier 1 risk-based capital ratio | 53.3226% | 106 |
| Total risk-based capital ratio | 53.8154% | 110 |
| Memoranda: | ||
| Average total assets | $115,795,600 | 3,965 |
| Average earning assets | $108,611,000 | 3,942 |
| Average equity | $23,811,800 | 2,781 |
| Average total loans | $60,761,000 | 4,185 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9697% | 5,432 |
| Cost of funding earning assets | 0.4660% | 2,562 |
| Net interest margin | 2.5037% | 5,467 |
| Noninterest income to average assets | 0.1435% | 5,291 |
| Noninterest expense to average assets | 2.1243% | 4,682 |
| Loan and lease loss provision to assets | 0.0103% | 3,929 |
| Net operating income to assets | 0.2675% | 5,274 |
| Return on assets (ROA) | 0.2675% | 5,289 |
| Pretax return on assets | 0.3594% | 5,246 |
| Return on Equity (ROE) | 1.3060% | 5,396 |
| Retained earnings to average equity (ytd only) | 1.3060% | 4,885 |
| Net charge-offs to loans | 0.0153% | 3,218 |
| Credit loss provision to net charge-offs | 128.5714% | 1,908 |
| Earnings coverage of net charge-offs (x) | 46.0150% | 1,180 |
| Efficiency ratio | 85.1750% | 676 |
| Assets per employee ($millions) | 7.0809% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3709% | 5,576 |
| Loan loss allowance to noncurrent loans | 66.7665% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 3,672 |
| Noncurrent loans to loans | 0.5556% | 3,029 |
| Net loans and leases to total assets | 52.8646% | 4,505 |
| Net loans and leases to deposits | 67.3318% | 4,159 |
| Net loans and leases to core deposits | 69.5920% | 4,261 |
| Total domestic deposits to total assets | 78.5136% | 4,626 |
| Equity capital to assets | 21.1492% | 181 |
| Core capital (leverage) ratio | 20.8973% | 178 |
| Tier 1 risk-based capital ratio | 53.3987% | 107 |
| Total risk-based capital ratio | 53.8936% | 112 |
| Memoranda: | ||
| Average total assets | $116,113,750 | 4,000 |
| Average earning assets | $109,009,250 | 3,978 |
| Average equity | $23,788,000 | 2,802 |
| Average total loans | $61,057,500 | 4,218 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9457% | 5,478 |
| Cost of funding earning assets | 0.4619% | 2,486 |
| Net interest margin | 2.4839% | 5,514 |
| Noninterest income to average assets | 0.1692% | 5,209 |
| Noninterest expense to average assets | 2.1016% | 4,768 |
| Loan and lease loss provision to assets | 0.0154% | 3,646 |
| Net operating income to assets | 0.2836% | 5,257 |
| Return on assets (ROA) | 0.2836% | 5,273 |
| Pretax return on assets | 0.3861% | 5,195 |
| Return on Equity (ROE) | 1.3991% | 5,431 |
| Retained earnings to average equity (ytd only) | 1.3991% | 4,692 |
| Net charge-offs to loans | 0.0228% | 2,769 |
| Credit loss provision to net charge-offs | 128.5714% | 1,695 |
| Earnings coverage of net charge-offs (x) | 33.5714% | 1,388 |
| Efficiency ratio | 83.9590% | 852 |
| Assets per employee ($millions) | 7.3493% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3656% | 5,630 |
| Loan loss allowance to noncurrent loans | 96.9565% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 4,316 |
| Noncurrent loans to loans | 0.3770% | 3,674 |
| Net loans and leases to total assets | 51.6881% | 4,598 |
| Net loans and leases to deposits | 65.0906% | 4,294 |
| Net loans and leases to core deposits | 67.5345% | 4,375 |
| Total domestic deposits to total assets | 79.4095% | 4,529 |
| Equity capital to assets | 20.3158% | 213 |
| Core capital (leverage) ratio | 20.1734% | 200 |
| Tier 1 risk-based capital ratio | 52.0385% | 107 |
| Total risk-based capital ratio | 52.5221% | 110 |
| Memoranda: | ||
| Average total assets | $117,053,330 | 4,007 |
| Average earning assets | $109,990,330 | 3,975 |
| Average equity | $23,730,330 | 2,808 |
| Average total loans | $61,371,330 | 4,228 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9543% | 5,505 |
| Cost of funding earning assets | 0.4626% | 2,403 |
| Net interest margin | 2.4916% | 5,553 |
| Noninterest income to average assets | 0.1678% | 5,271 |
| Noninterest expense to average assets | 2.1235% | 4,806 |
| Loan and lease loss provision to assets | 0.0308% | 3,165 |
| Net operating income to assets | 0.2637% | 5,279 |
| Return on assets (ROA) | 0.2637% | 5,295 |
| Pretax return on assets | 0.3562% | 5,230 |
| Return on Equity (ROE) | 1.3023% | 5,453 |
| Retained earnings to average equity (ytd only) | 1.3023% | 4,563 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5839% | 920 |
| Assets per employee ($millions) | 7.8377% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3734% | 5,705 |
| Loan loss allowance to noncurrent loans | 93.1174% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 4,316 |
| Noncurrent loans to loans | 0.4010% | 3,660 |
| Net loans and leases to total assets | 52.2035% | 4,496 |
| Net loans and leases to deposits | 65.5302% | 4,209 |
| Net loans and leases to core deposits | 68.1710% | 4,281 |
| Total domestic deposits to total assets | 79.6632% | 4,686 |
| Equity capital to assets | 20.1769% | 208 |
| Core capital (leverage) ratio | 20.2617% | 193 |
| Tier 1 risk-based capital ratio | 51.6284% | 116 |
| Total risk-based capital ratio | 52.1251% | 118 |
| Memoranda: | ||
| Average total assets | $116,786,000 | 4,048 |
| Average earning assets | $109,807,500 | 4,018 |
| Average equity | $23,651,000 | 2,830 |
| Average total loans | $61,556,000 | 4,257 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9387% | 5,545 |
| Cost of funding earning assets | 0.4719% | 2,333 |
| Net interest margin | 2.4668% | 5,604 |
| Noninterest income to average assets | 0.2835% | 4,716 |
| Noninterest expense to average assets | 2.0920% | 5,016 |
| Loan and lease loss provision to assets | 0.0242% | 3,876 |
| Net operating income to assets | 0.3985% | 4,949 |
| Return on assets (ROA) | 0.3985% | 5,030 |
| Pretax return on assets | 0.4901% | 5,041 |
| Return on Equity (ROE) | 1.9509% | 5,414 |
| Retained earnings to average equity (ytd only) | 1.9509% | 4,428 |
| Net charge-offs to loans | 0.0458% | 3,123 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 21.2500% | 1,803 |
| Efficiency ratio | 80.2653% | 1,390 |
| Assets per employee ($millions) | 7.2504% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3593% | 5,764 |
| Loan loss allowance to noncurrent loans | 69.7161% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 4,121 |
| Noncurrent loans to loans | 0.5154% | 3,304 |
| Net loans and leases to total assets | 52.8313% | 4,541 |
| Net loans and leases to deposits | 66.3850% | 4,215 |
| Net loans and leases to core deposits | 69.2488% | 4,305 |
| Total domestic deposits to total assets | 79.5831% | 4,663 |
| Equity capital to assets | 20.3272% | 199 |
| Core capital (leverage) ratio | 20.5076% | 183 |
| Tier 1 risk-based capital ratio | 52.4740% | 121 |
| Total risk-based capital ratio | 52.9606% | 124 |
| Memoranda: | ||
| Average total assets | $115,679,200 | 4,071 |
| Average earning assets | $108,926,200 | 4,023 |
| Average equity | $23,630,600 | 2,831 |
| Average total loans | $61,133,200 | 4,256 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9329% | 5,626 |
| Cost of funding earning assets | 0.4702% | 2,364 |
| Net interest margin | 2.4626% | 5,678 |
| Noninterest income to average assets | 0.3379% | 4,363 |
| Noninterest expense to average assets | 2.1027% | 5,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4556% | 4,850 |
| Return on assets (ROA) | 0.4556% | 4,935 |
| Pretax return on assets | 0.5548% | 4,990 |
| Return on Equity (ROE) | 2.2275% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.2275% | 4,583 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1233% | 1,538 |
| Assets per employee ($millions) | 7.2102% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3649% | 5,822 |
| Loan loss allowance to noncurrent loans | 69.7161% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 4,037 |
| Noncurrent loans to loans | 0.5234% | 3,424 |
| Net loans and leases to total assets | 52.3045% | 4,634 |
| Net loans and leases to deposits | 66.1630% | 4,326 |
| Net loans and leases to core deposits | 68.8593% | 4,407 |
| Total domestic deposits to total assets | 79.0539% | 4,708 |
| Equity capital to assets | 20.6557% | 212 |
| Core capital (leverage) ratio | 20.5025% | 184 |
| Tier 1 risk-based capital ratio | 53.3568% | 116 |
| Total risk-based capital ratio | 53.8531% | 119 |
| Memoranda: | ||
| Average total assets | $115,597,250 | 4,097 |
| Average earning assets | $108,878,250 | 4,053 |
| Average equity | $23,643,000 | 2,852 |
| Average total loans | $61,039,250 | 4,291 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8961% | 5,738 |
| Cost of funding earning assets | 0.4643% | 2,433 |
| Net interest margin | 2.4318% | 5,782 |
| Noninterest income to average assets | 0.1608% | 5,516 |
| Noninterest expense to average assets | 2.1370% | 4,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2369% | 5,457 |
| Return on assets (ROA) | 0.4997% | 4,786 |
| Pretax return on assets | 0.5775% | 4,951 |
| Return on Equity (ROE) | 2.4511% | 5,401 |
| Retained earnings to average equity (ytd only) | 2.4511% | 4,329 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1650% | 776 |
| Assets per employee ($millions) | 7.8231% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3652% | 5,901 |
| Loan loss allowance to noncurrent loans | 65.0000% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 3,928 |
| Noncurrent loans to loans | 0.5619% | 3,381 |
| Net loans and leases to total assets | 51.3784% | 4,730 |
| Net loans and leases to deposits | 64.5908% | 4,447 |
| Net loans and leases to core deposits | 66.9640% | 4,545 |
| Total domestic deposits to total assets | 79.5444% | 4,661 |
| Equity capital to assets | 20.2067% | 213 |
| Core capital (leverage) ratio | 20.1724% | 189 |
| Tier 1 risk-based capital ratio | 52.6097% | 117 |
| Total risk-based capital ratio | 53.1012% | 121 |
| Memoranda: | ||
| Average total assets | $115,675,330 | 4,126 |
| Average earning assets | $108,975,000 | 4,082 |
| Average equity | $23,581,000 | 2,866 |
| Average total loans | $61,198,670 | 4,307 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8898% | 5,796 |
| Cost of funding earning assets | 0.4582% | 2,486 |
| Net interest margin | 2.4316% | 5,863 |
| Noninterest income to average assets | 0.1567% | 5,551 |
| Noninterest expense to average assets | 2.2153% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1846% | 5,557 |
| Return on assets (ROA) | 0.7140% | 3,761 |
| Pretax return on assets | 0.7628% | 4,332 |
| Return on Equity (ROE) | 3.4871% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.4871% | 3,754 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4694% | 644 |
| Assets per employee ($millions) | 7.2333% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3661% | 5,975 |
| Loan loss allowance to noncurrent loans | 50.6881% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 4,077 |
| Noncurrent loans to loans | 0.7223% | 3,033 |
| Net loans and leases to total assets | 51.9675% | 4,627 |
| Net loans and leases to deposits | 65.4796% | 4,304 |
| Net loans and leases to core deposits | 67.7286% | 4,425 |
| Total domestic deposits to total assets | 79.3644% | 4,884 |
| Equity capital to assets | 20.4170% | 198 |
| Core capital (leverage) ratio | 20.4698% | 180 |
| Tier 1 risk-based capital ratio | 52.1492% | 120 |
| Total risk-based capital ratio | 52.6381% | 122 |
| Memoranda: | ||
| Average total assets | $114,839,500 | 4,169 |
| Average earning assets | $108,242,000 | 4,120 |
| Average equity | $23,515,500 | 2,876 |
| Average total loans | $61,542,000 | 4,328 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0903% | 5,643 |
| Cost of funding earning assets | 0.4416% | 2,727 |
| Net interest margin | 2.6487% | 5,707 |
| Noninterest income to average assets | 0.1715% | 5,555 |
| Noninterest expense to average assets | 2.1549% | 5,140 |
| Loan and lease loss provision to assets | 0.0379% | 3,586 |
| Net operating income to assets | 0.3448% | 5,226 |
| Return on assets (ROA) | 0.3448% | 5,320 |
| Pretax return on assets | 0.4758% | 5,163 |
| Return on Equity (ROE) | 1.7208% | 5,642 |
| Retained earnings to average equity (ytd only) | 1.7208% | 4,744 |
| Net charge-offs to loans | 0.0746% | 2,761 |
| Credit loss provision to net charge-offs | 91.6667% | 2,728 |
| Earnings coverage of net charge-offs (x) | 12.4167% | 2,467 |
| Efficiency ratio | 80.7494% | 1,574 |
| Assets per employee ($millions) | 7.5965% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3524% | 6,027 |
| Loan loss allowance to noncurrent loans | 40.0362% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 3,693 |
| Noncurrent loans to loans | 0.8801% | 2,593 |
| Net loans and leases to total assets | 54.8492% | 4,412 |
| Net loans and leases to deposits | 69.1866% | 4,003 |
| Net loans and leases to core deposits | 71.8049% | 4,152 |
| Total domestic deposits to total assets | 79.2772% | 4,910 |
| Equity capital to assets | 20.5376% | 194 |
| Core capital (leverage) ratio | 20.3306% | 189 |
| Tier 1 risk-based capital ratio | 50.3794% | 124 |
| Total risk-based capital ratio | 50.8559% | 127 |
| Memoranda: | ||
| Average total assets | $116,012,200 | 4,137 |
| Average earning assets | $109,374,600 | 4,076 |
| Average equity | $23,245,600 | 2,854 |
| Average total loans | $64,329,800 | 4,248 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1045% | 5,706 |
| Cost of funding earning assets | 0.4367% | 2,830 |
| Net interest margin | 2.6677% | 5,762 |
| Noninterest income to average assets | 0.1453% | 5,754 |
| Noninterest expense to average assets | 2.1339% | 5,207 |
| Loan and lease loss provision to assets | -0.0046% | 5,799 |
| Net operating income to assets | 0.3810% | 5,232 |
| Return on assets (ROA) | 0.3810% | 5,311 |
| Pretax return on assets | 0.5321% | 5,144 |
| Return on Equity (ROE) | 1.9132% | 5,685 |
| Retained earnings to average equity (ytd only) | 1.9132% | 4,929 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1806% | 1,641 |
| Assets per employee ($millions) | 7.5433% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3465% | 6,115 |
| Loan loss allowance to noncurrent loans | 26.9841% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8661% | 2,710 |
| Noncurrent loans to loans | 1.2840% | 1,991 |
| Net loans and leases to total assets | 56.1759% | 4,334 |
| Net loans and leases to deposits | 71.0932% | 3,864 |
| Net loans and leases to core deposits | 73.7381% | 4,039 |
| Total domestic deposits to total assets | 79.0172% | 4,972 |
| Equity capital to assets | 20.6611% | 207 |
| Core capital (leverage) ratio | 20.2647% | 198 |
| Tier 1 risk-based capital ratio | 49.2434% | 141 |
| Total risk-based capital ratio | 49.7105% | 148 |
| Memoranda: | ||
| Average total assets | $116,528,500 | 4,168 |
| Average earning assets | $109,903,250 | 4,118 |
| Average equity | $23,206,500 | 2,883 |
| Average total loans | $64,732,250 | 4,284 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1078% | 5,735 |
| Cost of funding earning assets | 0.4301% | 2,934 |
| Net interest margin | 2.6777% | 5,795 |
| Noninterest income to average assets | 0.1309% | 5,901 |
| Noninterest expense to average assets | 2.1096% | 5,317 |
| Loan and lease loss provision to assets | -0.0068% | 5,954 |
| Net operating income to assets | 0.3995% | 5,139 |
| Return on assets (ROA) | 0.3995% | 5,246 |
| Pretax return on assets | 0.5576% | 5,085 |
| Return on Equity (ROE) | 2.0303% | 5,672 |
| Retained earnings to average equity (ytd only) | 2.0303% | 4,681 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2971% | 1,869 |
| Assets per employee ($millions) | 7.2536% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3406% | 6,193 |
| Loan loss allowance to noncurrent loans | 69.7161% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 4,264 |
| Noncurrent loans to loans | 0.4886% | 4,009 |
| Net loans and leases to total assets | 55.7157% | 4,368 |
| Net loans and leases to deposits | 69.8958% | 3,943 |
| Net loans and leases to core deposits | 72.4009% | 4,096 |
| Total domestic deposits to total assets | 79.7126% | 4,926 |
| Equity capital to assets | 20.0445% | 223 |
| Core capital (leverage) ratio | 19.5806% | 220 |
| Tier 1 risk-based capital ratio | 48.0055% | 165 |
| Total risk-based capital ratio | 48.4628% | 171 |
| Memoranda: | ||
| Average total assets | $117,654,670 | 4,196 |
| Average earning assets | $111,139,330 | 4,131 |
| Average equity | $23,149,330 | 2,905 |
| Average total loans | $65,048,330 | 4,311 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0853% | 5,798 |
| Cost of funding earning assets | 0.4321% | 2,957 |
| Net interest margin | 2.6532% | 5,860 |
| Noninterest income to average assets | 0.0844% | 6,136 |
| Noninterest expense to average assets | 2.0903% | 5,412 |
| Loan and lease loss provision to assets | -0.0135% | 6,107 |
| Net operating income to assets | 0.3715% | 5,180 |
| Return on assets (ROA) | 0.3715% | 5,299 |
| Pretax return on assets | 0.5167% | 5,136 |
| Return on Equity (ROE) | 1.9054% | 5,713 |
| Retained earnings to average equity (ytd only) | 1.9054% | 4,714 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5990% | 1,816 |
| Assets per employee ($millions) | 7.4519% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3400% | 6,270 |
| Loan loss allowance to noncurrent loans | 44.1118% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 4,349 |
| Noncurrent loans to loans | 0.7707% | 3,326 |
| Net loans and leases to total assets | 54.3345% | 4,406 |
| Net loans and leases to deposits | 67.6232% | 3,991 |
| Net loans and leases to core deposits | 69.9570% | 4,163 |
| Total domestic deposits to total assets | 80.3489% | 4,977 |
| Equity capital to assets | 19.4339% | 247 |
| Core capital (leverage) ratio | 19.3354% | 233 |
| Tier 1 risk-based capital ratio | 46.6665% | 173 |
| Total risk-based capital ratio | 47.1134% | 178 |
| Memoranda: | ||
| Average total assets | $118,453,500 | 4,213 |
| Average earning assets | $112,016,500 | 4,142 |
| Average equity | $23,092,500 | 2,925 |
| Average total loans | $65,131,000 | 4,325 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0301% | 6,030 |
| Cost of funding earning assets | 0.4526% | 3,142 |
| Net interest margin | 2.5775% | 6,095 |
| Noninterest income to average assets | 0.1333% | 6,024 |
| Noninterest expense to average assets | 2.0458% | 5,682 |
| Loan and lease loss provision to assets | -0.0679% | 6,085 |
| Net operating income to assets | 0.5085% | 4,778 |
| Return on assets (ROA) | 0.5162% | 4,830 |
| Pretax return on assets | 0.6102% | 4,909 |
| Return on Equity (ROE) | 2.7801% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.7801% | 4,261 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3213% | 2,024 |
| Assets per employee ($millions) | 7.8451% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3448% | 6,357 |
| Loan loss allowance to noncurrent loans | 30.4878% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6271% | 3,703 |
| Noncurrent loans to loans | 1.1309% | 2,575 |
| Net loans and leases to total assets | 55.2640% | 4,413 |
| Net loans and leases to deposits | 68.8530% | 4,044 |
| Net loans and leases to core deposits | 71.0798% | 4,211 |
| Total domestic deposits to total assets | 80.2638% | 4,948 |
| Equity capital to assets | 19.5569% | 244 |
| Core capital (leverage) ratio | 19.5178% | 229 |
| Tier 1 risk-based capital ratio | 45.7658% | 164 |
| Total risk-based capital ratio | 46.2141% | 177 |
| Memoranda: | ||
| Average total assets | $122,247,800 | 4,133 |
| Average earning assets | $116,002,400 | 4,050 |
| Average equity | $22,697,200 | 2,881 |
| Average total loans | $66,377,000 | 4,285 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0240% | 6,113 |
| Cost of funding earning assets | 0.4562% | 3,176 |
| Net interest margin | 2.5678% | 6,163 |
| Noninterest income to average assets | 0.1437% | 6,057 |
| Noninterest expense to average assets | 1.9925% | 5,781 |
| Loan and lease loss provision to assets | -0.0897% | 6,253 |
| Net operating income to assets | 0.5810% | 4,536 |
| Return on assets (ROA) | 0.5911% | 4,571 |
| Pretax return on assets | 0.6916% | 4,724 |
| Return on Equity (ROE) | 3.2245% | 5,466 |
| Retained earnings to average equity (ytd only) | 3.2245% | 4,337 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1548% | 2,328 |
| Assets per employee ($millions) | 7.4289% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3474% | 6,439 |
| Loan loss allowance to noncurrent loans | 34.0393% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5561% | 4,193 |
| Noncurrent loans to loans | 1.0207% | 3,032 |
| Net loans and leases to total assets | 54.2936% | 4,546 |
| Net loans and leases to deposits | 67.5158% | 4,182 |
| Net loans and leases to core deposits | 69.6704% | 4,357 |
| Total domestic deposits to total assets | 80.4161% | 4,985 |
| Equity capital to assets | 19.2701% | 257 |
| Core capital (leverage) ratio | 19.2533% | 237 |
| Tier 1 risk-based capital ratio | 46.1001% | 165 |
| Total risk-based capital ratio | 46.5533% | 174 |
| Memoranda: | ||
| Average total assets | $123,390,500 | 4,149 |
| Average earning assets | $117,191,000 | 4,052 |
| Average equity | $22,618,000 | 2,889 |
| Average total loans | $66,656,750 | 4,314 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0259% | 6,151 |
| Cost of funding earning assets | 0.4650% | 3,162 |
| Net interest margin | 2.5609% | 6,216 |
| Noninterest income to average assets | 0.1313% | 6,160 |
| Noninterest expense to average assets | 1.9648% | 5,885 |
| Loan and lease loss provision to assets | -0.1233% | 6,401 |
| Net operating income to assets | 0.4804% | 4,894 |
| Return on assets (ROA) | 0.4804% | 4,961 |
| Pretax return on assets | 0.7238% | 4,561 |
| Return on Equity (ROE) | 2.6640% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.6640% | 4,509 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5918% | 2,522 |
| Assets per employee ($millions) | 7.8380% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3511% | 6,511 |
| Loan loss allowance to noncurrent loans | 65.6250% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 5,114 |
| Noncurrent loans to loans | 0.5351% | 4,403 |
| Net loans and leases to total assets | 52.2742% | 4,720 |
| Net loans and leases to deposits | 64.0658% | 4,490 |
| Net loans and leases to core deposits | 66.1367% | 4,624 |
| Total domestic deposits to total assets | 81.5945% | 4,785 |
| Equity capital to assets | 18.1089% | 323 |
| Core capital (leverage) ratio | 18.0507% | 297 |
| Tier 1 risk-based capital ratio | 43.6477% | 189 |
| Total risk-based capital ratio | 44.0931% | 199 |
| Memoranda: | ||
| Average total assets | $124,899,670 | 4,135 |
| Average earning assets | $118,708,330 | 4,043 |
| Average equity | $22,522,330 | 2,894 |
| Average total loans | $67,289,000 | 4,320 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0678% | 6,163 |
| Cost of funding earning assets | 0.4792% | 3,118 |
| Net interest margin | 2.5885% | 6,250 |
| Noninterest income to average assets | 0.1605% | 6,012 |
| Noninterest expense to average assets | 1.9447% | 5,989 |
| Loan and lease loss provision to assets | -0.0546% | 6,455 |
| Net operating income to assets | 0.4878% | 4,746 |
| Return on assets (ROA) | 0.4878% | 4,822 |
| Pretax return on assets | 0.7317% | 4,380 |
| Return on Equity (ROE) | 2.7108% | 5,558 |
| Retained earnings to average equity (ytd only) | 2.7108% | 4,458 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1738% | 3,106 |
| Assets per employee ($millions) | 7.8882% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4343% | 6,544 |
| Loan loss allowance to noncurrent loans | 166.8571% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 5,839 |
| Noncurrent loans to loans | 0.2603% | 5,322 |
| Net loans and leases to total assets | 53.0413% | 4,537 |
| Net loans and leases to deposits | 64.7766% | 4,232 |
| Net loans and leases to core deposits | 67.0170% | 4,398 |
| Total domestic deposits to total assets | 81.8835% | 4,975 |
| Equity capital to assets | 17.8439% | 332 |
| Core capital (leverage) ratio | 17.8194% | 312 |
| Tier 1 risk-based capital ratio | 42.2094% | 203 |
| Total risk-based capital ratio | 42.7574% | 211 |
| Memoranda: | ||
| Average total assets | $124,645,500 | 4,179 |
| Average earning assets | $118,522,000 | 4,081 |
| Average equity | $22,428,500 | 2,899 |
| Average total loans | $68,040,000 | 4,327 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1067% | 6,234 |
| Cost of funding earning assets | 0.5948% | 2,714 |
| Net interest margin | 2.5119% | 6,363 |
| Noninterest income to average assets | 0.0588% | 6,523 |
| Noninterest expense to average assets | 2.0206% | 5,993 |
| Loan and lease loss provision to assets | -0.0350% | 6,340 |
| Net operating income to assets | 0.3340% | 5,396 |
| Return on assets (ROA) | 0.3340% | 5,500 |
| Pretax return on assets | 0.5113% | 5,171 |
| Return on Equity (ROE) | 1.8925% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.8925% | 4,887 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9236% | 2,031 |
| Assets per employee ($millions) | 7.6925% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4474% | 6,610 |
| Loan loss allowance to noncurrent loans | 54.4170% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 4,861 |
| Noncurrent loans to loans | 0.8221% | 3,921 |
| Net loans and leases to total assets | 55.6841% | 4,361 |
| Net loans and leases to deposits | 68.2915% | 4,008 |
| Net loans and leases to core deposits | 70.3771% | 4,253 |
| Total domestic deposits to total assets | 81.5388% | 5,029 |
| Equity capital to assets | 18.1475% | 308 |
| Core capital (leverage) ratio | 18.1492% | 291 |
| Tier 1 risk-based capital ratio | 41.8033% | 204 |
| Total risk-based capital ratio | 42.3797% | 209 |
| Memoranda: | ||
| Average total assets | $125,757,400 | 4,148 |
| Average earning assets | $122,057,000 | 4,014 |
| Average equity | $22,193,200 | 2,905 |
| Average total loans | $71,137,800 | 4,221 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1176% | 6,298 |
| Cost of funding earning assets | 0.6164% | 2,676 |
| Net interest margin | 2.5012% | 6,423 |
| Noninterest income to average assets | 0.0475% | 6,644 |
| Noninterest expense to average assets | 2.0523% | 5,922 |
| Loan and lease loss provision to assets | -0.0443% | 6,541 |
| Net operating income to assets | 0.3143% | 5,565 |
| Return on assets (ROA) | 0.3143% | 5,681 |
| Pretax return on assets | 0.4788% | 5,423 |
| Return on Equity (ROE) | 1.7932% | 6,004 |
| Retained earnings to average equity (ytd only) | 1.7932% | 5,244 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5276% | 1,756 |
| Assets per employee ($millions) | 7.7337% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4377% | 6,699 |
| Loan loss allowance to noncurrent loans | 70.4545% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 5,342 |
| Noncurrent loans to loans | 0.6213% | 4,650 |
| Net loans and leases to total assets | 56.9853% | 4,172 |
| Net loans and leases to deposits | 69.8979% | 3,802 |
| Net loans and leases to core deposits | 71.4577% | 4,155 |
| Total domestic deposits to total assets | 81.5264% | 5,077 |
| Equity capital to assets | 17.9677% | 324 |
| Core capital (leverage) ratio | 17.9539% | 303 |
| Tier 1 risk-based capital ratio | 42.2767% | 210 |
| Total risk-based capital ratio | 42.8667% | 219 |
| Memoranda: | ||
| Average total assets | $126,426,750 | 4,187 |
| Average earning assets | $123,295,250 | 4,025 |
| Average equity | $22,157,500 | 2,946 |
| Average total loans | $71,711,250 | 4,237 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1383% | 6,299 |
| Cost of funding earning assets | 0.6364% | 2,628 |
| Net interest margin | 2.5019% | 6,449 |
| Noninterest income to average assets | 0.0346% | 6,713 |
| Noninterest expense to average assets | 2.1033% | 5,862 |
| Loan and lease loss provision to assets | -0.0613% | 6,658 |
| Net operating income to assets | 0.4320% | 5,098 |
| Return on assets (ROA) | 0.4320% | 5,254 |
| Pretax return on assets | 0.4320% | 5,572 |
| Return on Equity (ROE) | 2.4851% | 5,803 |
| Retained earnings to average equity (ytd only) | 2.4851% | 4,720 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0159% | 1,529 |
| Assets per employee ($millions) | 7.9902% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4411% | 6,748 |
| Loan loss allowance to noncurrent loans | 134.9138% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 5,955 |
| Noncurrent loans to loans | 0.3270% | 5,477 |
| Net loans and leases to total assets | 55.2545% | 4,408 |
| Net loans and leases to deposits | 67.2227% | 4,111 |
| Net loans and leases to core deposits | 68.6622% | 4,434 |
| Total domestic deposits to total assets | 82.1961% | 4,984 |
| Equity capital to assets | 17.3627% | 384 |
| Core capital (leverage) ratio | 17.3596% | 334 |
| Tier 1 risk-based capital ratio | 41.7821% | 208 |
| Total risk-based capital ratio | 42.3714% | 214 |
| Memoranda: | ||
| Average total assets | $127,322,670 | 4,198 |
| Average earning assets | $124,143,330 | 4,030 |
| Average equity | $22,132,330 | 2,966 |
| Average total loans | $72,007,330 | 4,240 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1934% | 6,303 |
| Cost of funding earning assets | 0.6716% | 2,469 |
| Net interest margin | 2.5218% | 6,485 |
| Noninterest income to average assets | -0.0094% | 6,879 |
| Noninterest expense to average assets | 2.1155% | 5,881 |
| Loan and lease loss provision to assets | -0.1133% | 6,849 |
| Net operating income to assets | 0.2959% | 5,582 |
| Return on assets (ROA) | 0.2959% | 5,705 |
| Pretax return on assets | 0.4470% | 5,423 |
| Return on Equity (ROE) | 1.7014% | 6,027 |
| Retained earnings to average equity (ytd only) | 1.7014% | 5,130 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3753% | 1,471 |
| Assets per employee ($millions) | 8.0299% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4400% | 6,833 |
| Loan loss allowance to noncurrent loans | 106.7568% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 5,879 |
| Noncurrent loans to loans | 0.4121% | 5,381 |
| Net loans and leases to total assets | 55.6570% | 4,139 |
| Net loans and leases to deposits | 67.5053% | 3,835 |
| Net loans and leases to core deposits | 68.9370% | 4,191 |
| Total domestic deposits to total assets | 82.4484% | 5,042 |
| Equity capital to assets | 17.2325% | 404 |
| Core capital (leverage) ratio | 17.1329% | 339 |
| Tier 1 risk-based capital ratio | 41.2975% | 214 |
| Total risk-based capital ratio | 41.8904% | 219 |
| Memoranda: | ||
| Average total assets | $127,062,500 | 4,240 |
| Average earning assets | $123,881,500 | 4,069 |
| Average equity | $22,100,000 | 3,013 |
| Average total loans | $72,535,000 | 4,250 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5437% | 6,303 |
| Cost of funding earning assets | 0.9738% | 1,500 |
| Net interest margin | 2.5699% | 6,657 |
| Noninterest income to average assets | 0.0523% | 6,677 |
| Noninterest expense to average assets | 1.9165% | 6,473 |
| Loan and lease loss provision to assets | 0.1030% | 4,355 |
| Net operating income to assets | 0.3536% | 5,279 |
| Return on assets (ROA) | 0.3572% | 5,493 |
| Pretax return on assets | 0.5413% | 5,160 |
| Return on Equity (ROE) | 2.0989% | 5,871 |
| Retained earnings to average equity (ytd only) | 2.0989% | 4,750 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 2,908 |
| Assets per employee ($millions) | 7.8529% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4806% | 6,853 |
| Loan loss allowance to noncurrent loans | 92.1466% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 5,767 |
| Noncurrent loans to loans | 0.5215% | 5,229 |
| Net loans and leases to total assets | 58.0157% | 3,977 |
| Net loans and leases to deposits | 70.6436% | 3,614 |
| Net loans and leases to core deposits | 72.1940% | 4,019 |
| Total domestic deposits to total assets | 82.1245% | 5,053 |
| Equity capital to assets | 17.5571% | 361 |
| Core capital (leverage) ratio | 17.4441% | 321 |
| Tier 1 risk-based capital ratio | 41.0188% | 220 |
| Total risk-based capital ratio | 41.6776% | 230 |
| Memoranda: | ||
| Average total assets | $128,205,400 | 4,182 |
| Average earning assets | $124,868,400 | 4,000 |
| Average equity | $21,821,000 | 2,997 |
| Average total loans | $76,695,400 | 4,131 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6169% | 6,370 |
| Cost of funding earning assets | 1.0203% | 1,447 |
| Net interest margin | 2.5965% | 6,760 |
| Noninterest income to average assets | 0.0393% | 6,836 |
| Noninterest expense to average assets | 1.9548% | 6,438 |
| Loan and lease loss provision to assets | 0.1283% | 3,946 |
| Net operating income to assets | 0.3194% | 5,548 |
| Return on assets (ROA) | 0.3208% | 5,748 |
| Pretax return on assets | 0.4864% | 5,500 |
| Return on Equity (ROE) | 1.8993% | 6,055 |
| Retained earnings to average equity (ytd only) | 1.8993% | 5,385 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1387% | 2,654 |
| Assets per employee ($millions) | 7.9693% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4611% | 6,976 |
| Loan loss allowance to noncurrent loans | 185.9459% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 6,355 |
| Noncurrent loans to loans | 0.2480% | 5,992 |
| Net loans and leases to total assets | 58.2367% | 4,096 |
| Net loans and leases to deposits | 70.8823% | 3,775 |
| Net loans and leases to core deposits | 72.8288% | 4,151 |
| Total domestic deposits to total assets | 82.1597% | 4,962 |
| Equity capital to assets | 17.1902% | 434 |
| Core capital (leverage) ratio | 17.0733% | 366 |
| Tier 1 risk-based capital ratio | 40.1498% | 237 |
| Total risk-based capital ratio | 40.7842% | 249 |
| Memoranda: | ||
| Average total assets | $128,845,000 | 4,212 |
| Average earning assets | $125,445,500 | 4,031 |
| Average equity | $21,761,250 | 3,028 |
| Average total loans | $77,557,500 | 4,149 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6834% | 6,362 |
| Cost of funding earning assets | 1.0519% | 1,458 |
| Net interest margin | 2.6314% | 6,798 |
| Noninterest income to average assets | 0.0263% | 6,929 |
| Noninterest expense to average assets | 1.9909% | 6,453 |
| Loan and lease loss provision to assets | 0.1872% | 3,229 |
| Net operating income to assets | 0.2702% | 5,703 |
| Return on assets (ROA) | 0.2723% | 5,893 |
| Pretax return on assets | 0.4130% | 5,679 |
| Return on Equity (ROE) | 1.6215% | 6,160 |
| Retained earnings to average equity (ytd only) | 1.6215% | 5,395 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9277% | 2,608 |
| Assets per employee ($millions) | 8.5970% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4409% | 7,055 |
| Loan loss allowance to noncurrent loans | 67.7932% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 5,808 |
| Noncurrent loans to loans | 0.6504% | 5,208 |
| Net loans and leases to total assets | 59.7108% | 3,879 |
| Net loans and leases to deposits | 72.3025% | 3,565 |
| Net loans and leases to core deposits | 74.2655% | 3,988 |
| Total domestic deposits to total assets | 82.5846% | 4,914 |
| Equity capital to assets | 16.8749% | 458 |
| Core capital (leverage) ratio | 16.7772% | 382 |
| Tier 1 risk-based capital ratio | 38.7703% | 257 |
| Total risk-based capital ratio | 39.3814% | 263 |
| Memoranda: | ||
| Average total assets | $129,290,330 | 4,227 |
| Average earning assets | $125,862,330 | 4,035 |
| Average equity | $21,708,670 | 3,017 |
| Average total loans | $78,543,000 | 4,138 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7476% | 6,355 |
| Cost of funding earning assets | 1.0821% | 1,489 |
| Net interest margin | 2.6655% | 6,814 |
| Noninterest income to average assets | 0.0494% | 6,932 |
| Noninterest expense to average assets | 2.0300% | 6,413 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4048% | 5,232 |
| Return on assets (ROA) | 0.4048% | 5,417 |
| Pretax return on assets | 0.6149% | 5,065 |
| Return on Equity (ROE) | 2.4167% | 5,934 |
| Retained earnings to average equity (ytd only) | 2.4167% | 5,054 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7523% | 2,680 |
| Assets per employee ($millions) | 9.3208% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2814% | 7,187 |
| Loan loss allowance to noncurrent loans | 54.5906% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 5,829 |
| Noncurrent loans to loans | 0.5155% | 5,640 |
| Net loans and leases to total assets | 59.7444% | 3,725 |
| Net loans and leases to deposits | 72.0533% | 3,430 |
| Net loans and leases to core deposits | 73.9710% | 3,905 |
| Total domestic deposits to total assets | 82.9168% | 4,961 |
| Equity capital to assets | 16.6594% | 478 |
| Core capital (leverage) ratio | 16.5460% | 403 |
| Tier 1 risk-based capital ratio | 38.1729% | 265 |
| Total risk-based capital ratio | 38.5619% | 277 |
| Memoranda: | ||
| Average total assets | $129,458,000 | 4,247 |
| Average earning assets | $126,054,500 | 4,058 |
| Average equity | $21,682,500 | 3,012 |
| Average total loans | $79,144,000 | 4,145 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8946% | 6,623 |
| Cost of funding earning assets | 1.3424% | 1,279 |
| Net interest margin | 2.5522% | 7,029 |
| Noninterest income to average assets | 0.0433% | 6,861 |
| Noninterest expense to average assets | 1.9217% | 6,799 |
| Loan and lease loss provision to assets | 0.0325% | 6,158 |
| Net operating income to assets | 0.3680% | 5,000 |
| Return on assets (ROA) | 0.3680% | 5,168 |
| Pretax return on assets | 0.5744% | 4,769 |
| Return on Equity (ROE) | 2.2255% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.2255% | 4,627 |
| Net charge-offs to loans | 0.0500% | 5,814 |
| Credit loss provision to net charge-offs | 102.4390% | 3,377 |
| Earnings coverage of net charge-offs (x) | 19.1463% | 1,175 |
| Efficiency ratio | 76.0012% | 2,890 |
| Assets per employee ($millions) | 9.1732% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2746% | 7,233 |
| Loan loss allowance to noncurrent loans | 34.4828% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 5,582 |
| Noncurrent loans to loans | 0.7964% | 5,097 |
| Net loans and leases to total assets | 62.2052% | 3,561 |
| Net loans and leases to deposits | 75.1114% | 3,326 |
| Net loans and leases to core deposits | 76.4798% | 3,910 |
| Total domestic deposits to total assets | 82.8172% | 4,826 |
| Equity capital to assets | 16.8394% | 471 |
| Core capital (leverage) ratio | 16.7423% | 386 |
| Tier 1 risk-based capital ratio | 38.4639% | 261 |
| Total risk-based capital ratio | 38.8582% | 272 |
| Memoranda: | ||
| Average total assets | $129,363,400 | 4,184 |
| Average earning assets | $125,970,400 | 4,015 |
| Average equity | $21,388,800 | 2,967 |
| Average total loans | $82,071,400 | 4,078 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9186% | 6,711 |
| Cost of funding earning assets | 1.3809% | 1,315 |
| Net interest margin | 2.5377% | 7,114 |
| Noninterest income to average assets | 0.0422% | 6,980 |
| Noninterest expense to average assets | 1.9753% | 6,739 |
| Loan and lease loss provision to assets | 0.0432% | 5,899 |
| Net operating income to assets | 0.3179% | 5,331 |
| Return on assets (ROA) | 0.3179% | 5,504 |
| Pretax return on assets | 0.4949% | 5,179 |
| Return on Equity (ROE) | 1.9316% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.9316% | 5,171 |
| Net charge-offs to loans | 0.0662% | 5,298 |
| Credit loss provision to net charge-offs | 102.4390% | 3,256 |
| Earnings coverage of net charge-offs (x) | 12.7551% | 1,673 |
| Efficiency ratio | 78.5919% | 2,462 |
| Assets per employee ($millions) | 9.3076% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2708% | 7,302 |
| Loan loss allowance to noncurrent loans | 75.8621% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 6,277 |
| Noncurrent loans to loans | 0.3570% | 6,136 |
| Net loans and leases to total assets | 62.1678% | 3,684 |
| Net loans and leases to deposits | 75.0299% | 3,506 |
| Net loans and leases to core deposits | 77.2066% | 4,015 |
| Total domestic deposits to total assets | 82.8574% | 4,739 |
| Equity capital to assets | 16.4865% | 547 |
| Core capital (leverage) ratio | 16.3768% | 459 |
| Tier 1 risk-based capital ratio | 37.3188% | 296 |
| Total risk-based capital ratio | 37.7044% | 309 |
| Memoranda: | ||
| Average total assets | $129,598,000 | 4,207 |
| Average earning assets | $126,198,500 | 4,034 |
| Average equity | $21,329,500 | 2,966 |
| Average total loans | $82,562,500 | 4,106 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 6,743 |
| Cost of funding earning assets | 1.4111% | 1,370 |
| Net interest margin | 2.5350% | 7,164 |
| Noninterest income to average assets | 0.0618% | 6,997 |
| Noninterest expense to average assets | 1.9820% | 6,829 |
| Loan and lease loss provision to assets | 0.0649% | 5,493 |
| Net operating income to assets | 0.3185% | 5,295 |
| Return on assets (ROA) | 0.3185% | 5,428 |
| Pretax return on assets | 0.4839% | 5,120 |
| Return on Equity (ROE) | 1.9362% | 5,809 |
| Retained earnings to average equity (ytd only) | 1.9362% | 5,011 |
| Net charge-offs to loans | 0.0988% | 4,691 |
| Credit loss provision to net charge-offs | 102.4390% | 3,019 |
| Earnings coverage of net charge-offs (x) | 8.6585% | 2,023 |
| Efficiency ratio | 78.3140% | 2,664 |
| Assets per employee ($millions) | 9.2759% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2683% | 7,365 |
| Loan loss allowance to noncurrent loans | 55.1378% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4243% | 6,083 |
| Noncurrent loans to loans | 0.4867% | 5,932 |
| Net loans and leases to total assets | 62.9625% | 3,685 |
| Net loans and leases to deposits | 75.9016% | 3,495 |
| Net loans and leases to core deposits | 77.3535% | 4,142 |
| Total domestic deposits to total assets | 82.9528% | 4,775 |
| Equity capital to assets | 16.4712% | 547 |
| Core capital (leverage) ratio | 16.3548% | 467 |
| Tier 1 risk-based capital ratio | 36.6167% | 308 |
| Total risk-based capital ratio | 36.9969% | 327 |
| Memoranda: | ||
| Average total assets | $129,361,670 | 4,241 |
| Average earning assets | $125,997,000 | 4,070 |
| Average equity | $21,278,330 | 2,962 |
| Average total loans | $83,007,000 | 4,125 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9720% | 6,741 |
| Cost of funding earning assets | 1.4438% | 1,417 |
| Net interest margin | 2.5282% | 7,173 |
| Noninterest income to average assets | 0.0527% | 7,122 |
| Noninterest expense to average assets | 2.0138% | 6,810 |
| Loan and lease loss provision to assets | 0.0031% | 5,818 |
| Net operating income to assets | 0.3284% | 5,274 |
| Return on assets (ROA) | 0.3284% | 5,350 |
| Pretax return on assets | 0.4988% | 5,030 |
| Return on Equity (ROE) | 1.9979% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.9979% | 4,932 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0493% | 2,522 |
| Assets per employee ($millions) | 9.2752% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2653% | 7,421 |
| Loan loss allowance to noncurrent loans | 61.7978% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 6,420 |
| Noncurrent loans to loans | 0.4294% | 6,146 |
| Net loans and leases to total assets | 63.6835% | 3,502 |
| Net loans and leases to deposits | 76.5751% | 3,320 |
| Net loans and leases to core deposits | 78.0296% | 4,015 |
| Total domestic deposits to total assets | 83.1648% | 4,867 |
| Equity capital to assets | 16.3862% | 514 |
| Core capital (leverage) ratio | 16.2765% | 459 |
| Tier 1 risk-based capital ratio | 36.1968% | 324 |
| Total risk-based capital ratio | 36.5744% | 333 |
| Memoranda: | ||
| Average total assets | $129,111,000 | 4,274 |
| Average earning assets | $125,780,000 | 4,110 |
| Average equity | $21,222,500 | 2,957 |
| Average total loans | $83,518,000 | 4,145 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 6,637 |
| Cost of funding earning assets | 1.7701% | 1,301 |
| Net interest margin | 2.6175% | 7,191 |
| Noninterest income to average assets | -0.0031% | 7,303 |
| Noninterest expense to average assets | 1.8632% | 7,206 |
| Loan and lease loss provision to assets | 0.0565% | 6,574 |
| Net operating income to assets | 0.4068% | 4,515 |
| Return on assets (ROA) | 0.4073% | 4,642 |
| Pretax return on assets | 0.6208% | 4,256 |
| Return on Equity (ROE) | 2.4740% | 5,196 |
| Retained earnings to average equity (ytd only) | 2.4740% | 4,145 |
| Net charge-offs to loans | -0.0350% | 7,415 |
| Credit loss provision to net charge-offs | -240.0000% | 7,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3622% | 3,515 |
| Assets per employee ($millions) | 9.1692% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2615% | 7,501 |
| Loan loss allowance to noncurrent loans | 36.4842% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 5,910 |
| Noncurrent loans to loans | 0.7168% | 5,613 |
| Net loans and leases to total assets | 65.3592% | 3,589 |
| Net loans and leases to deposits | 78.6252% | 3,406 |
| Net loans and leases to core deposits | 80.5772% | 4,120 |
| Total domestic deposits to total assets | 83.1275% | 4,745 |
| Equity capital to assets | 16.4892% | 516 |
| Core capital (leverage) ratio | 16.3820% | 462 |
| Tier 1 risk-based capital ratio | 31.5459% | 447 |
| Total risk-based capital ratio | 31.8766% | 476 |
| Memoranda: | ||
| Average total assets | $127,414,600 | 4,329 |
| Average earning assets | $123,780,400 | 4,157 |
| Average equity | $20,978,000 | 3,009 |
| Average total loans | $85,774,800 | 4,157 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 6,652 |
| Cost of funding earning assets | 1.8396% | 1,266 |
| Net interest margin | 2.6400% | 7,283 |
| Noninterest income to average assets | 0.0283% | 7,371 |
| Noninterest expense to average assets | 1.7707% | 7,360 |
| Loan and lease loss provision to assets | 0.0734% | 6,324 |
| Net operating income to assets | 0.4973% | 4,328 |
| Return on assets (ROA) | 0.4980% | 4,518 |
| Pretax return on assets | 0.7475% | 4,091 |
| Return on Equity (ROE) | 3.0258% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.0258% | 4,313 |
| Net charge-offs to loans | 0.0294% | 6,267 |
| Credit loss provision to net charge-offs | 368.4211% | 841 |
| Earnings coverage of net charge-offs (x) | 41.1623% | 667 |
| Efficiency ratio | 68.3529% | 4,396 |
| Assets per employee ($millions) | 9.8244% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2419% | 7,623 |
| Loan loss allowance to noncurrent loans | 35.7513% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 5,825 |
| Noncurrent loans to loans | 0.6766% | 5,852 |
| Net loans and leases to total assets | 66.8454% | 3,501 |
| Net loans and leases to deposits | 80.7256% | 3,319 |
| Net loans and leases to core deposits | 82.2666% | 4,208 |
| Total domestic deposits to total assets | 82.8057% | 4,675 |
| Equity capital to assets | 16.5961% | 576 |
| Core capital (leverage) ratio | 16.4457% | 497 |
| Tier 1 risk-based capital ratio | 34.0626% | 374 |
| Total risk-based capital ratio | 34.3993% | 395 |
| Memoranda: | ||
| Average total assets | $127,176,000 | 4,389 |
| Average earning assets | $123,432,250 | 4,214 |
| Average equity | $20,930,750 | 3,059 |
| Average total loans | $86,188,250 | 4,220 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 6,623 |
| Cost of funding earning assets | 1.9202% | 1,162 |
| Net interest margin | 2.6148% | 7,338 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 1.7749% | 7,418 |
| Loan and lease loss provision to assets | 0.0299% | 6,647 |
| Net operating income to assets | 0.4903% | 4,377 |
| Return on assets (ROA) | 0.4914% | 4,529 |
| Pretax return on assets | 0.7339% | 4,130 |
| Return on Equity (ROE) | 2.9939% | 5,232 |
| Retained earnings to average equity (ytd only) | 2.9939% | 4,216 |
| Net charge-offs to loans | 0.0440% | 5,766 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 25.4737% | 1,037 |
| Efficiency ratio | 69.9565% | 4,197 |
| Assets per employee ($millions) | 9.8291% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2409% | 7,687 |
| Loan loss allowance to noncurrent loans | 102.4752% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 6,369 |
| Noncurrent loans to loans | 0.2351% | 6,765 |
| Net loans and leases to total assets | 67.0851% | 3,601 |
| Net loans and leases to deposits | 82.1805% | 3,243 |
| Net loans and leases to core deposits | 84.2027% | 4,116 |
| Total domestic deposits to total assets | 81.6314% | 5,139 |
| Equity capital to assets | 16.4872% | 602 |
| Core capital (leverage) ratio | 16.3164% | 528 |
| Tier 1 risk-based capital ratio | 31.4655% | 438 |
| Total risk-based capital ratio | 31.7790% | 475 |
| Memoranda: | ||
| Average total assets | $126,995,670 | 4,427 |
| Average earning assets | $123,219,330 | 4,246 |
| Average equity | $20,842,330 | 3,058 |
| Average total loans | $86,391,000 | 4,241 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5455% | 6,689 |
| Cost of funding earning assets | 2.0495% | 943 |
| Net interest margin | 2.4959% | 7,480 |
| Noninterest income to average assets | 0.0695% | 7,366 |
| Noninterest expense to average assets | 1.8072% | 7,455 |
| Loan and lease loss provision to assets | 0.0600% | 6,037 |
| Net operating income to assets | 0.4139% | 4,776 |
| Return on assets (ROA) | 0.4139% | 4,920 |
| Pretax return on assets | 0.6224% | 4,519 |
| Return on Equity (ROE) | 2.5277% | 5,548 |
| Retained earnings to average equity (ytd only) | 2.5277% | 4,617 |
| Net charge-offs to loans | 0.0877% | 4,543 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 11.3684% | 1,649 |
| Efficiency ratio | 72.5888% | 3,825 |
| Assets per employee ($millions) | 9.8118% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2410% | 7,794 |
| Loan loss allowance to noncurrent loans | 66.9903% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 6,114 |
| Noncurrent loans to loans | 0.3597% | 6,584 |
| Net loans and leases to total assets | 67.1862% | 3,583 |
| Net loans and leases to deposits | 82.1358% | 3,261 |
| Net loans and leases to core deposits | 84.9765% | 4,058 |
| Total domestic deposits to total assets | 81.7989% | 5,157 |
| Equity capital to assets | 16.3336% | 625 |
| Core capital (leverage) ratio | 16.1952% | 552 |
| Tier 1 risk-based capital ratio | 32.4997% | 420 |
| Total risk-based capital ratio | 32.8263% | 445 |
| Memoranda: | ||
| Average total assets | $126,604,500 | 4,489 |
| Average earning assets | $122,760,000 | 4,309 |
| Average equity | $20,730,000 | 3,098 |
| Average total loans | $86,623,000 | 4,301 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 6,717 |
| Cost of funding earning assets | 2.4243% | 1,230 |
| Net interest margin | 2.4725% | 7,450 |
| Noninterest income to average assets | 0.0713% | 7,395 |
| Noninterest expense to average assets | 1.9205% | 7,472 |
| Loan and lease loss provision to assets | 0.0551% | 7,015 |
| Net operating income to assets | 0.3337% | 4,396 |
| Return on assets (ROA) | 0.3337% | 4,488 |
| Pretax return on assets | 0.5046% | 4,170 |
| Return on Equity (ROE) | 2.0181% | 4,894 |
| Retained earnings to average equity (ytd only) | 2.0181% | 3,692 |
| Net charge-offs to loans | 0.0034% | 7,200 |
| Credit loss provision to net charge-offs | 2,266.6667% | 143 |
| Earnings coverage of net charge-offs (x) | 230.3333% | 124 |
| Efficiency ratio | 77.4331% | 3,282 |
| Assets per employee ($millions) | 9.6658% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2370% | 7,863 |
| Loan loss allowance to noncurrent loans | 28.4341% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 5,343 |
| Noncurrent loans to loans | 0.8335% | 5,625 |
| Net loans and leases to total assets | 69.3433% | 3,409 |
| Net loans and leases to deposits | 84.8432% | 3,111 |
| Net loans and leases to core deposits | 104.1999% | 3,552 |
| Total domestic deposits to total assets | 81.7311% | 5,056 |
| Equity capital to assets | 16.4147% | 633 |
| Core capital (leverage) ratio | 16.3288% | 571 |
| Tier 1 risk-based capital ratio | 32.3922% | 435 |
| Total risk-based capital ratio | 32.7198% | 455 |
| Memoranda: | ||
| Average total assets | $123,456,200 | 4,487 |
| Average earning assets | $120,280,800 | 4,308 |
| Average equity | $20,415,600 | 3,144 |
| Average total loans | $87,030,400 | 4,302 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9826% | 6,653 |
| Cost of funding earning assets | 2.4774% | 1,372 |
| Net interest margin | 2.5052% | 7,459 |
| Noninterest income to average assets | 0.0716% | 7,557 |
| Noninterest expense to average assets | 1.9060% | 7,538 |
| Loan and lease loss provision to assets | 0.0705% | 6,651 |
| Net operating income to assets | 0.3602% | 4,552 |
| Return on assets (ROA) | 0.3602% | 4,654 |
| Pretax return on assets | 0.5392% | 4,405 |
| Return on Equity (ROE) | 2.1738% | 5,102 |
| Retained earnings to average equity (ytd only) | 2.1738% | 4,110 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7654% | 3,551 |
| Assets per employee ($millions) | 9.6033% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2385% | 7,950 |
| Loan loss allowance to noncurrent loans | 26.9181% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 5,235 |
| Noncurrent loans to loans | 0.8860% | 5,515 |
| Net loans and leases to total assets | 69.3575% | 3,644 |
| Net loans and leases to deposits | 85.2143% | 3,463 |
| Net loans and leases to core deposits | 87.8388% | 5,657 |
| Total domestic deposits to total assets | 81.3918% | 4,924 |
| Equity capital to assets | 16.4879% | 707 |
| Core capital (leverage) ratio | 16.3741% | 625 |
| Tier 1 risk-based capital ratio | 33.6264% | 414 |
| Total risk-based capital ratio | 33.9679% | 440 |
| Memoranda: | ||
| Average total assets | $122,906,250 | 4,523 |
| Average earning assets | $119,907,000 | 4,349 |
| Average equity | $20,363,000 | 3,185 |
| Average total loans | $86,952,750 | 4,339 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0662% | 6,559 |
| Cost of funding earning assets | 2.5097% | 1,578 |
| Net interest margin | 2.5565% | 7,407 |
| Noninterest income to average assets | 0.0736% | 7,614 |
| Noninterest expense to average assets | 1.8681% | 7,663 |
| Loan and lease loss provision to assets | 0.0671% | 6,535 |
| Net operating income to assets | 0.4057% | 4,495 |
| Return on assets (ROA) | 0.4057% | 4,601 |
| Pretax return on assets | 0.6380% | 4,204 |
| Return on Equity (ROE) | 2.4446% | 5,127 |
| Retained earnings to average equity (ytd only) | 2.4446% | 3,975 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6001% | 4,279 |
| Assets per employee ($millions) | 9.5887% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2380% | 8,041 |
| Loan loss allowance to noncurrent loans | 22.8729% | 6,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7894% | 5,420 |
| Noncurrent loans to loans | 1.0407% | 5,133 |
| Net loans and leases to total assets | 69.5940% | 3,796 |
| Net loans and leases to deposits | 86.1848% | 3,520 |
| Net loans and leases to core deposits | 105.5660% | 3,888 |
| Total domestic deposits to total assets | 80.7498% | 5,173 |
| Equity capital to assets | 16.3743% | 776 |
| Core capital (leverage) ratio | 16.3072% | 700 |
| Tier 1 risk-based capital ratio | 34.0553% | 449 |
| Total risk-based capital ratio | 34.4025% | 455 |
| Memoranda: | ||
| Average total assets | $122,260,670 | 4,574 |
| Average earning assets | $119,537,000 | 4,385 |
| Average equity | $20,289,330 | 3,197 |
| Average total loans | $87,005,330 | 4,364 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2123% | 6,243 |
| Cost of funding earning assets | 2.5521% | 1,732 |
| Net interest margin | 2.6602% | 7,277 |
| Noninterest income to average assets | 0.0694% | 7,719 |
| Noninterest expense to average assets | 1.7445% | 7,769 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6145% | 3,958 |
| Return on assets (ROA) | 0.6145% | 4,150 |
| Pretax return on assets | 0.9251% | 3,620 |
| Return on Equity (ROE) | 3.6780% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.6780% | 3,858 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3465% | 5,441 |
| Assets per employee ($millions) | 9.5236% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1907% | 8,114 |
| Loan loss allowance to noncurrent loans | 27.5748% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 6,021 |
| Noncurrent loans to loans | 0.6916% | 5,679 |
| Net loans and leases to total assets | 70.1697% | 3,635 |
| Net loans and leases to deposits | 86.9707% | 3,476 |
| Net loans and leases to core deposits | 107.4920% | 3,741 |
| Total domestic deposits to total assets | 80.6820% | 5,097 |
| Equity capital to assets | 16.4312% | 806 |
| Core capital (leverage) ratio | 16.3674% | 732 |
| Tier 1 risk-based capital ratio | 34.2523% | 461 |
| Total risk-based capital ratio | 34.5333% | 477 |
| Memoranda: | ||
| Average total assets | $121,064,500 | 4,618 |
| Average earning assets | $118,335,000 | 4,425 |
| Average equity | $20,228,500 | 3,230 |
| Average total loans | $87,029,000 | 4,389 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6060% | 7,044 |
| Cost of funding earning assets | 2.8762% | 2,366 |
| Net interest margin | 2.7297% | 7,444 |
| Noninterest income to average assets | 0.0488% | 7,897 |
| Noninterest expense to average assets | 1.7718% | 7,784 |
| Loan and lease loss provision to assets | 0.0183% | 7,159 |
| Net operating income to assets | 0.5694% | 4,443 |
| Return on assets (ROA) | 0.5694% | 4,304 |
| Pretax return on assets | 0.9351% | 3,600 |
| Return on Equity (ROE) | 3.3175% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.3175% | 3,086 |
| Net charge-offs to loans | 0.0012% | 7,023 |
| Credit loss provision to net charge-offs | 2,100.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 1,095.0000% | 37 |
| Efficiency ratio | 65.0160% | 5,324 |
| Assets per employee ($millions) | 9.8602% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1908% | 8,168 |
| Loan loss allowance to noncurrent loans | 29.3286% | 6,743 |
| Noncurrent assets plus other real estate owned to assets | 0.4784% | 5,785 |
| Noncurrent loans to loans | 0.6504% | 5,418 |
| Net loans and leases to total assets | 73.4022% | 3,261 |
| Net loans and leases to deposits | 91.7263% | 3,187 |
| Net loans and leases to core deposits | 111.0045% | 3,684 |
| Total domestic deposits to total assets | 80.0232% | 5,011 |
| Equity capital to assets | 16.9994% | 782 |
| Core capital (leverage) ratio | 16.9604% | 702 |
| Tier 1 risk-based capital ratio | 34.4246% | 465 |
| Total risk-based capital ratio | 34.7096% | 488 |
| Memoranda: | ||
| Average total assets | $114,854,800 | 4,644 |
| Average earning assets | $112,612,000 | 4,457 |
| Average equity | $19,713,400 | 3,274 |
| Average total loans | $85,771,200 | 4,339 |