Home > GSL Savings Bank > Performance and Condition Ratios
GSL Savings 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 | 4.8475% | 3,376 |
| Cost of funding earning assets | 2.6873% | 611 |
| Net interest margin | 2.1602% | 4,237 |
| Noninterest income to average assets | 0.2500% | 3,214 |
| Noninterest expense to average assets | 2.5718% | 2,101 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | -0.1940% | 4,255 |
| Return on assets (ROA) | -0.1940% | 4,282 |
| Pretax return on assets | -0.2620% | 4,288 |
| Return on Equity (ROE) | -2.7200% | 4,288 |
| Retained earnings to average equity (ytd only) | -2.7243% | 3,969 |
| 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 | 109.5494% | 180 |
| Assets per employee ($millions) | 8.4896% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7087% | 4,027 |
| Loan loss allowance to noncurrent loans | 149.4505% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 1,955 |
| Noncurrent loans to loans | 0.4742% | 1,931 |
| Net loans and leases to total assets | 70.8700% | 1,739 |
| Net loans and leases to deposits | 87.7117% | 1,339 |
| Net loans and leases to core deposits | 97.3242% | 1,542 |
| Total domestic deposits to total assets | 80.8000% | 3,507 |
| Equity capital to assets | 7.0086% | 4,033 |
| Core capital (leverage) ratio | 7.3779% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1914% | 2,138 |
| Memoranda: | ||
| Average total assets | $158,800,500 | 3,306 |
| Average earning assets | $154,058,000 | 3,247 |
| Average equity | $11,305,500 | 3,673 |
| Average total loans | $115,440,000 | 3,071 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 3,025 |
| Cost of funding earning assets | 3.0467% | 454 |
| Net interest margin | 1.9950% | 4,260 |
| Noninterest income to average assets | 0.0800% | 4,282 |
| Noninterest expense to average assets | 2.6909% | 1,770 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | -0.6637% | 4,368 |
| Return on assets (ROA) | -0.6637% | 4,398 |
| Pretax return on assets | -0.7401% | 4,393 |
| Return on Equity (ROE) | -8.8700% | 4,408 |
| Retained earnings to average equity (ytd only) | -8.8737% | 4,383 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 135.7416% | 102 |
| Assets per employee ($millions) | 6.2520% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6903% | 4,075 |
| Loan loss allowance to noncurrent loans | 87.4179% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 1,238 |
| Noncurrent loans to loans | 0.7897% | 1,249 |
| Net loans and leases to total assets | 73.5400% | 1,467 |
| Net loans and leases to deposits | 92.6274% | 981 |
| Net loans and leases to core deposits | 102.0418% | 1,330 |
| Total domestic deposits to total assets | 79.4000% | 3,627 |
| Equity capital to assets | 7.2336% | 3,875 |
| Core capital (leverage) ratio | 7.1964% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4665% | 2,062 |
| Memoranda: | ||
| Average total assets | $158,497,600 | 3,285 |
| Average earning assets | $151,277,600 | 3,244 |
| Average equity | $11,855,200 | 3,609 |
| Average total loans | $113,909,200 | 3,061 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9988% | 3,037 |
| Cost of funding earning assets | 3.0460% | 472 |
| Net interest margin | 1.9528% | 4,289 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 2.4520% | 2,386 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | -0.4099% | 4,369 |
| Return on assets (ROA) | -0.4099% | 4,392 |
| Pretax return on assets | -0.5382% | 4,402 |
| Return on Equity (ROE) | -5.4400% | 4,396 |
| Retained earnings to average equity (ytd only) | -5.4366% | 4,345 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 126.1320% | 115 |
| Assets per employee ($millions) | 6.6541% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6693% | 4,132 |
| Loan loss allowance to noncurrent loans | 2,302.9412% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,625 |
| Noncurrent loans to loans | 0.0291% | 3,593 |
| Net loans and leases to total assets | 69.8500% | 1,868 |
| Net loans and leases to deposits | 83.3936% | 1,855 |
| Net loans and leases to core deposits | 123.5962% | 519 |
| Total domestic deposits to total assets | 83.7600% | 2,644 |
| Equity capital to assets | 7.1955% | 4,077 |
| Core capital (leverage) ratio | 7.6338% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3822% | 2,123 |
| Memoranda: | ||
| Average total assets | $159,047,250 | 3,283 |
| Average earning assets | $151,233,000 | 3,245 |
| Average equity | $11,992,500 | 3,605 |
| Average total loans | $113,450,250 | 3,068 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9977% | 2,953 |
| Cost of funding earning assets | 3.0190% | 459 |
| Net interest margin | 1.9786% | 4,299 |
| Noninterest income to average assets | 0.0800% | 4,310 |
| Noninterest expense to average assets | 2.4953% | 2,260 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | -0.4150% | 4,392 |
| Return on assets (ROA) | -0.4150% | 4,421 |
| Pretax return on assets | -0.5440% | 4,429 |
| Return on Equity (ROE) | -5.4200% | 4,417 |
| Retained earnings to average equity (ytd only) | -5.4167% | 4,326 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 127.0481% | 119 |
| Assets per employee ($millions) | 6.6374% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6513% | 4,176 |
| Loan loss allowance to noncurrent loans | 2,252.9412% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 3,586 |
| Noncurrent loans to loans | 0.0289% | 3,564 |
| Net loans and leases to total assets | 73.3500% | 1,492 |
| Net loans and leases to deposits | 85.1810% | 1,737 |
| Net loans and leases to core deposits | 125.5417% | 500 |
| Total domestic deposits to total assets | 86.1200% | 1,940 |
| Equity capital to assets | 7.4470% | 3,753 |
| Core capital (leverage) ratio | 7.7401% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6114% | 2,024 |
| Memoranda: | ||
| Average total assets | $156,612,000 | 3,309 |
| Average earning assets | $148,789,667 | 3,272 |
| Average equity | $12,000,000 | 3,592 |
| Average total loans | $112,273,000 | 3,078 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8172% | 3,120 |
| Cost of funding earning assets | 2.9592% | 457 |
| Net interest margin | 1.8580% | 4,367 |
| Noninterest income to average assets | 0.0900% | 4,252 |
| Noninterest expense to average assets | 2.5762% | 2,037 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | -0.6157% | 4,479 |
| Return on assets (ROA) | -0.6157% | 4,466 |
| Pretax return on assets | -0.7368% | 4,465 |
| Return on Equity (ROE) | -7.9200% | 4,459 |
| Retained earnings to average equity (ytd only) | -7.9214% | 4,238 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 139.0821% | 74 |
| Assets per employee ($millions) | 6.3553% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6528% | 4,174 |
| Loan loss allowance to noncurrent loans | 2,223.5294% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,603 |
| Noncurrent loans to loans | 0.0294% | 3,569 |
| Net loans and leases to total assets | 72.4200% | 1,516 |
| Net loans and leases to deposits | 84.3016% | 1,691 |
| Net loans and leases to core deposits | 123.8445% | 528 |
| Total domestic deposits to total assets | 85.9000% | 2,136 |
| Equity capital to assets | 7.5452% | 3,652 |
| Core capital (leverage) ratio | 7.9979% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7577% | 1,967 |
| Memoranda: | ||
| Average total assets | $155,269,000 | 3,331 |
| Average earning assets | $147,471,000 | 3,296 |
| Average equity | $12,068,500 | 3,598 |
| Average total loans | $109,600,000 | 3,115 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 3,299 |
| Cost of funding earning assets | 1.6525% | 1,563 |
| Net interest margin | 2.7368% | 3,765 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.3421% | 2,737 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.2625% | 4,079 |
| Return on assets (ROA) | 0.2625% | 4,086 |
| Pretax return on assets | 0.3525% | 4,033 |
| Return on Equity (ROE) | 3.0800% | 4,012 |
| Retained earnings to average equity (ytd only) | 3.0818% | 3,250 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.3859% | 503 |
| Assets per employee ($millions) | 6.3190% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7216% | 4,092 |
| Loan loss allowance to noncurrent loans | 2,194.1176% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,572 |
| Noncurrent loans to loans | 0.0329% | 3,500 |
| Net loans and leases to total assets | 67.6800% | 2,074 |
| Net loans and leases to deposits | 79.5657% | 2,147 |
| Net loans and leases to core deposits | 119.6747% | 635 |
| Total domestic deposits to total assets | 85.0600% | 2,292 |
| Equity capital to assets | 8.0109% | 3,407 |
| Core capital (leverage) ratio | 8.4476% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4943% | 1,394 |
| Memoranda: | ||
| Average total assets | $139,023,200 | 3,470 |
| Average earning assets | $131,319,200 | 3,437 |
| Average equity | $11,843,800 | 3,541 |
| Average total loans | $97,626,400 | 3,202 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2401% | 3,399 |
| Cost of funding earning assets | 1.2660% | 2,236 |
| Net interest margin | 2.9741% | 3,393 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 2.4730% | 2,311 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.2934% | 4,120 |
| Return on assets (ROA) | 0.2934% | 4,127 |
| Pretax return on assets | 0.3974% | 4,065 |
| Return on Equity (ROE) | 3.3900% | 4,061 |
| Retained earnings to average equity (ytd only) | 3.3878% | 3,419 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.2792% | 545 |
| Assets per employee ($millions) | 5.9827% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7673% | 4,040 |
| Loan loss allowance to noncurrent loans | 2,258.8235% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 3,567 |
| Noncurrent loans to loans | 0.0340% | 3,527 |
| Net loans and leases to total assets | 72.1800% | 1,554 |
| Net loans and leases to deposits | 86.3722% | 1,527 |
| Net loans and leases to core deposits | 98.8820% | 1,388 |
| Total domestic deposits to total assets | 83.5700% | 2,882 |
| Equity capital to assets | 8.6510% | 2,628 |
| Core capital (leverage) ratio | 9.1789% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0840% | 1,301 |
| Memoranda: | ||
| Average total assets | $135,865,000 | 3,503 |
| Average earning assets | $128,169,000 | 3,470 |
| Average equity | $11,767,500 | 3,546 |
| Average total loans | $96,186,750 | 3,221 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 3,355 |
| Cost of funding earning assets | 1.1503% | 2,130 |
| Net interest margin | 3.0200% | 3,378 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.4274% | 2,413 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.3681% | 4,056 |
| Return on assets (ROA) | 0.3681% | 4,074 |
| Pretax return on assets | 0.4938% | 3,971 |
| Return on Equity (ROE) | 4.2500% | 3,995 |
| Retained earnings to average equity (ytd only) | 4.2484% | 3,145 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.4711% | 682 |
| Assets per employee ($millions) | 6.8631% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 3,997 |
| Loan loss allowance to noncurrent loans | 2,326.4706% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,543 |
| Noncurrent loans to loans | 0.0348% | 3,490 |
| Net loans and leases to total assets | 70.5700% | 1,680 |
| Net loans and leases to deposits | 84.5666% | 1,619 |
| Net loans and leases to core deposits | 95.4107% | 1,498 |
| Total domestic deposits to total assets | 83.4400% | 2,951 |
| Equity capital to assets | 8.6368% | 2,754 |
| Core capital (leverage) ratio | 8.7412% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5967% | 1,407 |
| Memoranda: | ||
| Average total assets | $135,286,000 | 3,516 |
| Average earning assets | $127,617,000 | 3,488 |
| Average equity | $11,722,000 | 3,562 |
| Average total loans | $94,885,667 | 3,235 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 3,462 |
| Cost of funding earning assets | 1.0331% | 1,940 |
| Net interest margin | 2.9602% | 3,676 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.5347% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2710% | 4,285 |
| Return on assets (ROA) | 0.2710% | 4,255 |
| Pretax return on assets | 0.3455% | 4,209 |
| Return on Equity (ROE) | 3.1200% | 4,174 |
| Retained earnings to average equity (ytd only) | 3.1230% | 3,479 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.0041% | 421 |
| Assets per employee ($millions) | 6.6691% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 4,015 |
| Loan loss allowance to noncurrent loans | 2,282.3529% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 3,548 |
| Noncurrent loans to loans | 0.0367% | 3,486 |
| Net loans and leases to total assets | 65.6300% | 2,099 |
| Net loans and leases to deposits | 78.2821% | 1,940 |
| Net loans and leases to core deposits | 86.1314% | 1,858 |
| Total domestic deposits to total assets | 83.8400% | 3,122 |
| Equity capital to assets | 8.3734% | 2,987 |
| Core capital (leverage) ratio | 9.1529% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3247% | 1,306 |
| Memoranda: | ||
| Average total assets | $134,298,000 | 3,575 |
| Average earning assets | $126,614,000 | 3,542 |
| Average equity | $11,655,500 | 3,602 |
| Average total loans | $93,503,000 | 3,286 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3686% | 3,424 |
| Cost of funding earning assets | 0.4925% | 1,445 |
| Net interest margin | 2.8762% | 3,738 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.3901% | 2,453 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3144% | 4,352 |
| Return on assets (ROA) | 0.3144% | 4,323 |
| Pretax return on assets | 0.4081% | 4,269 |
| Return on Equity (ROE) | 3.3900% | 4,247 |
| Retained earnings to average equity (ytd only) | 3.3921% | 3,598 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.4143% | 439 |
| Assets per employee ($millions) | 6.1212% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 3,980 |
| Loan loss allowance to noncurrent loans | 2,282.3529% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,558 |
| Noncurrent loans to loans | 0.0361% | 3,523 |
| Net loans and leases to total assets | 72.7600% | 1,336 |
| Net loans and leases to deposits | 88.2336% | 1,158 |
| Net loans and leases to core deposits | 96.4894% | 1,174 |
| Total domestic deposits to total assets | 82.4700% | 3,537 |
| Equity capital to assets | 9.0116% | 2,348 |
| Core capital (leverage) ratio | 9.5275% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4141% | 1,261 |
| Memoranda: | ||
| Average total assets | $125,935,800 | 3,679 |
| Average earning assets | $118,386,200 | 3,644 |
| Average equity | $11,674,200 | 3,699 |
| Average total loans | $91,191,200 | 3,275 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2573% | 3,295 |
| Cost of funding earning assets | 0.4166% | 1,181 |
| Net interest margin | 2.8407% | 3,651 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 2.3956% | 2,351 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2831% | 4,397 |
| Return on assets (ROA) | 0.2831% | 4,357 |
| Pretax return on assets | 0.3640% | 4,315 |
| Return on Equity (ROE) | 3.0300% | 4,295 |
| Retained earnings to average equity (ytd only) | 3.0321% | 3,765 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.8106% | 427 |
| Assets per employee ($millions) | 6.2046% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 3,962 |
| Loan loss allowance to noncurrent loans | 2,282.3529% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 3,656 |
| Noncurrent loans to loans | 0.0376% | 3,623 |
| Net loans and leases to total assets | 72.1700% | 1,276 |
| Net loans and leases to deposits | 88.1842% | 1,021 |
| Net loans and leases to core deposits | 94.4974% | 1,064 |
| Total domestic deposits to total assets | 81.8400% | 3,860 |
| Equity capital to assets | 9.1941% | 2,091 |
| Core capital (leverage) ratio | 9.6752% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3392% | 1,116 |
| Memoranda: | ||
| Average total assets | $125,283,500 | 3,709 |
| Average earning assets | $117,763,000 | 3,675 |
| Average equity | $11,696,750 | 3,745 |
| Average total loans | $90,412,000 | 3,292 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1785% | 3,115 |
| Cost of funding earning assets | 0.4178% | 822 |
| Net interest margin | 2.7607% | 3,549 |
| Noninterest income to average assets | 0.0891% | 4,530 |
| Noninterest expense to average assets | 2.3504% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2482% | 4,364 |
| Return on assets (ROA) | 0.2482% | 4,326 |
| Pretax return on assets | 0.3358% | 4,247 |
| Return on Equity (ROE) | 2.6457% | 4,267 |
| Retained earnings to average equity (ytd only) | 2.6457% | 3,564 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5000% | 512 |
| Assets per employee ($millions) | 7.4338% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 4,092 |
| Loan loss allowance to noncurrent loans | 2,282.3529% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 3,716 |
| Noncurrent loans to loans | 0.0370% | 3,672 |
| Net loans and leases to total assets | 72.0356% | 1,096 |
| Net loans and leases to deposits | 87.8996% | 839 |
| Net loans and leases to core deposits | 94.8627% | 875 |
| Total domestic deposits to total assets | 81.9521% | 4,009 |
| Equity capital to assets | 9.1996% | 2,233 |
| Core capital (leverage) ratio | 9.3548% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0198% | 1,184 |
| Memoranda: | ||
| Average total assets | $125,681,000 | 3,747 |
| Average earning assets | $118,232,000 | 3,720 |
| Average equity | $11,792,667 | 3,802 |
| Average total loans | $90,437,667 | 3,318 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0833% | 3,029 |
| Cost of funding earning assets | 0.4303% | 723 |
| Net interest margin | 2.6530% | 3,519 |
| Noninterest income to average assets | 0.0862% | 4,551 |
| Noninterest expense to average assets | 2.2404% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2649% | 4,213 |
| Return on assets (ROA) | 0.2649% | 4,180 |
| Pretax return on assets | 0.3447% | 4,120 |
| Return on Equity (ROE) | 2.7956% | 4,142 |
| Retained earnings to average equity (ytd only) | 2.7956% | 3,338 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6667% | 697 |
| Assets per employee ($millions) | 7.9893% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 4,153 |
| Loan loss allowance to noncurrent loans | 2,282.3529% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,780 |
| Noncurrent loans to loans | 0.0372% | 3,714 |
| Net loans and leases to total assets | 70.8697% | 938 |
| Net loans and leases to deposits | 86.3999% | 711 |
| Net loans and leases to core deposits | 93.6090% | 749 |
| Total domestic deposits to total assets | 82.0252% | 4,070 |
| Equity capital to assets | 9.1779% | 2,546 |
| Core capital (leverage) ratio | 9.3331% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2495% | 1,705 |
| Memoranda: | ||
| Average total assets | $125,334,000 | 3,771 |
| Average earning assets | $118,055,500 | 3,743 |
| Average equity | $11,876,000 | 3,872 |
| Average total loans | $89,751,000 | 3,331 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0786% | 3,728 |
| Cost of funding earning assets | 0.6279% | 475 |
| Net interest margin | 2.4507% | 4,253 |
| Noninterest income to average assets | 0.0981% | 4,613 |
| Noninterest expense to average assets | 2.3275% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0732% | 4,642 |
| Return on assets (ROA) | 0.0732% | 4,652 |
| Pretax return on assets | 0.0806% | 4,653 |
| Return on Equity (ROE) | 0.7341% | 4,626 |
| Retained earnings to average equity (ytd only) | 0.7341% | 4,321 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6517% | 189 |
| Assets per employee ($millions) | 7.6774% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 4,108 |
| Loan loss allowance to noncurrent loans | 2,282.3529% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 3,850 |
| Noncurrent loans to loans | 0.0386% | 3,803 |
| Net loans and leases to total assets | 71.1159% | 913 |
| Net loans and leases to deposits | 87.1845% | 701 |
| Net loans and leases to core deposits | 94.5576% | 755 |
| Total domestic deposits to total assets | 81.5694% | 4,032 |
| Equity capital to assets | 9.7852% | 2,869 |
| Core capital (leverage) ratio | 9.5162% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8620% | 1,561 |
| Memoranda: | ||
| Average total assets | $120,299,200 | 3,795 |
| Average earning assets | $113,396,000 | 3,770 |
| Average equity | $11,988,000 | 3,930 |
| Average total loans | $90,295,600 | 3,333 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0537% | 3,903 |
| Cost of funding earning assets | 0.6753% | 439 |
| Net interest margin | 2.3784% | 4,420 |
| Noninterest income to average assets | 0.0992% | 4,672 |
| Noninterest expense to average assets | 2.3142% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0368% | 4,727 |
| Return on assets (ROA) | 0.0368% | 4,739 |
| Pretax return on assets | 0.0256% | 4,745 |
| Return on Equity (ROE) | 0.3673% | 4,733 |
| Retained earnings to average equity (ytd only) | 0.3673% | 4,512 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9048% | 167 |
| Assets per employee ($millions) | 7.4943% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 4,254 |
| Loan loss allowance to noncurrent loans | 120.6843% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 1,416 |
| Noncurrent loans to loans | 0.7110% | 1,565 |
| Net loans and leases to total assets | 74.7684% | 631 |
| Net loans and leases to deposits | 92.2955% | 480 |
| Net loans and leases to core deposits | 98.7934% | 635 |
| Total domestic deposits to total assets | 81.0098% | 4,093 |
| Equity capital to assets | 10.0026% | 2,896 |
| Core capital (leverage) ratio | 9.8917% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4902% | 1,489 |
| Memoranda: | ||
| Average total assets | $119,664,250 | 3,846 |
| Average earning assets | $112,735,750 | 3,821 |
| Average equity | $11,980,000 | 3,986 |
| Average total loans | $90,836,000 | 3,368 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0185% | 4,008 |
| Cost of funding earning assets | 0.7369% | 386 |
| Net interest margin | 2.2816% | 4,534 |
| Noninterest income to average assets | 0.0987% | 4,692 |
| Noninterest expense to average assets | 2.3298% | 2,675 |
| Loan and lease loss provision to assets | 0.0502% | 2,031 |
| Net operating income to assets | -0.0853% | 4,798 |
| Return on assets (ROA) | -0.0853% | 4,805 |
| Pretax return on assets | -0.1321% | 4,814 |
| Return on Equity (ROE) | -0.8518% | 4,816 |
| Retained earnings to average equity (ytd only) | -0.8518% | 4,592 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6458% | 136 |
| Assets per employee ($millions) | 7.3994% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 4,192 |
| Loan loss allowance to noncurrent loans | 132.3481% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 1,627 |
| Noncurrent loans to loans | 0.6697% | 1,751 |
| Net loans and leases to total assets | 76.1331% | 585 |
| Net loans and leases to deposits | 96.2867% | 375 |
| Net loans and leases to core deposits | 103.3576% | 550 |
| Total domestic deposits to total assets | 79.0692% | 4,336 |
| Equity capital to assets | 10.0845% | 2,779 |
| Core capital (leverage) ratio | 9.4916% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3813% | 1,508 |
| Memoranda: | ||
| Average total assets | $119,582,667 | 3,859 |
| Average earning assets | $112,639,333 | 3,830 |
| Average equity | $11,975,333 | 3,991 |
| Average total loans | $90,971,333 | 3,385 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9604% | 4,165 |
| Cost of funding earning assets | 0.7878% | 381 |
| Net interest margin | 2.1726% | 4,633 |
| Noninterest income to average assets | 0.0999% | 4,687 |
| Noninterest expense to average assets | 2.2100% | 3,077 |
| Loan and lease loss provision to assets | 0.0499% | 2,095 |
| Net operating income to assets | -0.0699% | 4,803 |
| Return on assets (ROA) | -0.0699% | 4,805 |
| Pretax return on assets | -0.1132% | 4,817 |
| Return on Equity (ROE) | -0.7004% | 4,814 |
| Retained earnings to average equity (ytd only) | -0.7004% | 4,430 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9457% | 164 |
| Assets per employee ($millions) | 7.5661% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 4,231 |
| Loan loss allowance to noncurrent loans | 123.0171% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 1,791 |
| Noncurrent loans to loans | 0.7106% | 1,819 |
| Net loans and leases to total assets | 74.0967% | 805 |
| Net loans and leases to deposits | 93.2336% | 531 |
| Net loans and leases to core deposits | 100.9408% | 675 |
| Total domestic deposits to total assets | 79.4743% | 4,271 |
| Equity capital to assets | 9.8540% | 2,841 |
| Core capital (leverage) ratio | 9.7307% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2725% | 1,483 |
| Memoranda: | ||
| Average total assets | $120,179,000 | 3,856 |
| Average earning assets | $113,229,500 | 3,824 |
| Average equity | $11,993,500 | 4,000 |
| Average total loans | $90,987,000 | 3,394 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 3,934 |
| Cost of funding earning assets | 1.0383% | 514 |
| Net interest margin | 2.5060% | 4,584 |
| Noninterest income to average assets | 0.0973% | 4,751 |
| Noninterest expense to average assets | 2.3216% | 3,350 |
| Loan and lease loss provision to assets | 0.0388% | 3,925 |
| Net operating income to assets | 0.0809% | 4,682 |
| Return on assets (ROA) | 0.0809% | 4,716 |
| Pretax return on assets | 0.0896% | 4,709 |
| Return on Equity (ROE) | 0.7822% | 4,702 |
| Retained earnings to average equity (ytd only) | 0.7822% | 4,297 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7627% | 256 |
| Assets per employee ($millions) | 7.4563% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 4,329 |
| Loan loss allowance to noncurrent loans | 2,217.1429% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 4,215 |
| Noncurrent loans to loans | 0.0383% | 4,154 |
| Net loans and leases to total assets | 76.0327% | 788 |
| Net loans and leases to deposits | 96.2378% | 542 |
| Net loans and leases to core deposits | 103.5894% | 744 |
| Total domestic deposits to total assets | 79.0050% | 4,199 |
| Equity capital to assets | 10.1073% | 3,024 |
| Core capital (leverage) ratio | 9.5897% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6821% | 1,352 |
| Memoranda: | ||
| Average total assets | $116,127,000 | 3,795 |
| Average earning assets | $109,020,400 | 3,781 |
| Average equity | $12,017,400 | 3,976 |
| Average total loans | $95,263,400 | 3,311 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5848% | 4,053 |
| Cost of funding earning assets | 1.0783% | 578 |
| Net interest margin | 2.5065% | 4,652 |
| Noninterest income to average assets | 0.0971% | 4,768 |
| Noninterest expense to average assets | 2.3051% | 3,408 |
| Loan and lease loss provision to assets | 0.0347% | 3,905 |
| Net operating income to assets | 0.0948% | 4,708 |
| Return on assets (ROA) | 0.0948% | 4,733 |
| Pretax return on assets | 0.1087% | 4,724 |
| Return on Equity (ROE) | 0.9105% | 4,716 |
| Retained earnings to average equity (ytd only) | 0.9105% | 4,281 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1454% | 261 |
| Assets per employee ($millions) | 7.3604% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7943% | 4,370 |
| Loan loss allowance to noncurrent loans | 2,113.8889% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 4,307 |
| Noncurrent loans to loans | 0.0376% | 4,238 |
| Net loans and leases to total assets | 80.7084% | 549 |
| Net loans and leases to deposits | 102.6547% | 430 |
| Net loans and leases to core deposits | 111.4359% | 652 |
| Total domestic deposits to total assets | 78.6212% | 4,115 |
| Equity capital to assets | 10.2322% | 3,030 |
| Core capital (leverage) ratio | 9.8816% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9892% | 1,249 |
| Memoranda: | ||
| Average total assets | $115,333,750 | 3,799 |
| Average earning assets | $108,196,250 | 3,789 |
| Average equity | $12,007,250 | 3,977 |
| Average total loans | $96,208,500 | 3,298 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6598% | 4,158 |
| Cost of funding earning assets | 1.1143% | 686 |
| Net interest margin | 2.5455% | 4,703 |
| Noninterest income to average assets | 0.0978% | 4,789 |
| Noninterest expense to average assets | 2.3541% | 3,389 |
| Loan and lease loss provision to assets | 0.0262% | 3,929 |
| Net operating income to assets | 0.0926% | 4,697 |
| Return on assets (ROA) | 0.0926% | 4,727 |
| Pretax return on assets | 0.1030% | 4,722 |
| Return on Equity (ROE) | 0.8838% | 4,699 |
| Retained earnings to average equity (ytd only) | 0.8838% | 4,123 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7961% | 274 |
| Assets per employee ($millions) | 7.3264% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7517% | 4,460 |
| Loan loss allowance to noncurrent loans | 2,016.2162% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,391 |
| Noncurrent loans to loans | 0.0373% | 4,328 |
| Net loans and leases to total assets | 84.0235% | 252 |
| Net loans and leases to deposits | 107.1321% | 286 |
| Net loans and leases to core deposits | 116.0637% | 534 |
| Total domestic deposits to total assets | 78.4298% | 4,126 |
| Equity capital to assets | 10.2532% | 2,964 |
| Core capital (leverage) ratio | 9.8249% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5842% | 1,346 |
| Memoranda: | ||
| Average total assets | $114,523,000 | 3,793 |
| Average earning assets | $107,328,000 | 3,783 |
| Average equity | $11,993,000 | 3,985 |
| Average total loans | $96,342,000 | 3,298 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 4,390 |
| Cost of funding earning assets | 1.1250% | 971 |
| Net interest margin | 2.5785% | 4,772 |
| Noninterest income to average assets | 0.0919% | 4,858 |
| Noninterest expense to average assets | 2.2691% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1909% | 4,540 |
| Return on assets (ROA) | 0.1909% | 4,552 |
| Pretax return on assets | 0.2368% | 4,528 |
| Return on Equity (ROE) | 1.8030% | 4,484 |
| Retained earnings to average equity (ytd only) | 1.8030% | 3,511 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5501% | 480 |
| Assets per employee ($millions) | 7.1391% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7399% | 4,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 85.8551% | 149 |
| Net loans and leases to deposits | 110.3549% | 182 |
| Net loans and leases to core deposits | 119.0926% | 497 |
| Total domestic deposits to total assets | 77.7991% | 4,249 |
| Equity capital to assets | 10.5240% | 3,300 |
| Core capital (leverage) ratio | 10.3627% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7756% | 1,402 |
| Memoranda: | ||
| Average total assets | $113,173,500 | 3,801 |
| Average earning assets | $105,953,500 | 3,787 |
| Average equity | $11,980,000 | 4,000 |
| Average total loans | $94,893,000 | 3,303 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 4,583 |
| Cost of funding earning assets | 1.1014% | 1,319 |
| Net interest margin | 2.6833% | 4,848 |
| Noninterest income to average assets | 0.1157% | 4,879 |
| Noninterest expense to average assets | 2.4527% | 3,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1495% | 4,888 |
| Return on assets (ROA) | 0.1495% | 4,910 |
| Pretax return on assets | 0.1787% | 4,900 |
| Return on Equity (ROE) | 1.3399% | 4,878 |
| Retained earnings to average equity (ytd only) | 1.3399% | 4,263 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2094% | 260 |
| Assets per employee ($millions) | 6.5954% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 4,292 |
| Loan loss allowance to noncurrent loans | 1,975.6757% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 4,479 |
| Noncurrent loans to loans | 0.0407% | 4,395 |
| Net loans and leases to total assets | 80.4980% | 723 |
| Net loans and leases to deposits | 101.6751% | 492 |
| Net loans and leases to core deposits | 109.6857% | 873 |
| Total domestic deposits to total assets | 79.1718% | 4,155 |
| Equity capital to assets | 10.6482% | 3,312 |
| Core capital (leverage) ratio | 10.5339% | 2,918 |
| Tier 1 risk-based capital ratio | 16.3224% | 2,285 |
| Total risk-based capital ratio | 17.0558% | 2,412 |
| Memoranda: | ||
| Average total assets | $106,332,800 | 3,890 |
| Average earning assets | $99,690,600 | 3,879 |
| Average equity | $11,866,600 | 4,016 |
| Average total loans | $88,376,800 | 3,440 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8021% | 4,676 |
| Cost of funding earning assets | 1.0838% | 1,410 |
| Net interest margin | 2.7183% | 4,927 |
| Noninterest income to average assets | 0.1182% | 4,924 |
| Noninterest expense to average assets | 2.4356% | 3,599 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1881% | 4,959 |
| Return on assets (ROA) | 0.1881% | 4,973 |
| Pretax return on assets | 0.2301% | 4,965 |
| Return on Equity (ROE) | 1.6654% | 4,941 |
| Retained earnings to average equity (ytd only) | 1.6654% | 4,375 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3686% | 286 |
| Assets per employee ($millions) | 5.8124% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 4,321 |
| Loan loss allowance to noncurrent loans | 1,975.6757% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 4,546 |
| Noncurrent loans to loans | 0.0419% | 4,465 |
| Net loans and leases to total assets | 83.7131% | 383 |
| Net loans and leases to deposits | 107.9232% | 271 |
| Net loans and leases to core deposits | 118.7242% | 569 |
| Total domestic deposits to total assets | 77.5673% | 4,432 |
| Equity capital to assets | 11.4027% | 2,734 |
| Core capital (leverage) ratio | 10.9513% | 2,686 |
| Tier 1 risk-based capital ratio | 17.2489% | 2,010 |
| Total risk-based capital ratio | 18.0248% | 2,106 |
| Memoranda: | ||
| Average total assets | $104,885,500 | 3,958 |
| Average earning assets | $98,295,250 | 3,934 |
| Average equity | $11,848,500 | 4,057 |
| Average total loans | $87,724,250 | 3,493 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 4,742 |
| Cost of funding earning assets | 1.0384% | 1,541 |
| Net interest margin | 2.7373% | 4,972 |
| Noninterest income to average assets | 0.1200% | 4,964 |
| Noninterest expense to average assets | 2.4502% | 3,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1905% | 5,006 |
| Return on assets (ROA) | 0.1905% | 5,013 |
| Pretax return on assets | 0.2363% | 4,993 |
| Return on Equity (ROE) | 1.6919% | 4,982 |
| Retained earnings to average equity (ytd only) | 1.6919% | 4,213 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2057% | 309 |
| Assets per employee ($millions) | 6.5828% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 4,367 |
| Loan loss allowance to noncurrent loans | 1,975.6757% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 4,591 |
| Noncurrent loans to loans | 0.0415% | 4,498 |
| Net loans and leases to total assets | 83.9791% | 362 |
| Net loans and leases to deposits | 104.4052% | 406 |
| Net loans and leases to core deposits | 114.3191% | 765 |
| Total domestic deposits to total assets | 80.4358% | 3,953 |
| Equity capital to assets | 11.2803% | 2,795 |
| Core capital (leverage) ratio | 10.7868% | 2,802 |
| Tier 1 risk-based capital ratio | 17.2188% | 2,023 |
| Total risk-based capital ratio | 17.9970% | 2,105 |
| Memoranda: | ||
| Average total assets | $104,972,670 | 3,980 |
| Average earning assets | $98,417,000 | 3,962 |
| Average equity | $11,821,330 | 4,071 |
| Average total loans | $87,527,330 | 3,513 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 4,765 |
| Cost of funding earning assets | 0.9895% | 1,608 |
| Net interest margin | 2.7690% | 5,016 |
| Noninterest income to average assets | 0.1221% | 5,001 |
| Noninterest expense to average assets | 2.3398% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2939% | 4,908 |
| Return on assets (ROA) | 0.2939% | 4,911 |
| Pretax return on assets | 0.3779% | 4,868 |
| Return on Equity (ROE) | 2.6121% | 4,868 |
| Retained earnings to average equity (ytd only) | 2.6121% | 3,887 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0955% | 577 |
| Assets per employee ($millions) | 7.0113% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8333% | 4,411 |
| Loan loss allowance to noncurrent loans | 340.0000% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 3,798 |
| Noncurrent loans to loans | 0.2451% | 3,688 |
| Net loans and leases to total assets | 82.7164% | 502 |
| Net loans and leases to deposits | 102.9467% | 450 |
| Net loans and leases to core deposits | 111.7273% | 844 |
| Total domestic deposits to total assets | 80.3488% | 4,105 |
| Equity capital to assets | 11.2609% | 2,595 |
| Core capital (leverage) ratio | 10.7235% | 2,826 |
| Tier 1 risk-based capital ratio | 18.0563% | 1,783 |
| Total risk-based capital ratio | 18.8739% | 1,862 |
| Memoranda: | ||
| Average total assets | $104,796,500 | 4,023 |
| Average earning assets | $98,231,500 | 4,000 |
| Average equity | $11,791,500 | 4,087 |
| Average total loans | $86,700,000 | 3,565 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7048% | 4,664 |
| Cost of funding earning assets | 0.8574% | 1,273 |
| Net interest margin | 2.8474% | 4,976 |
| Noninterest income to average assets | 0.1268% | 5,052 |
| Noninterest expense to average assets | 2.4363% | 3,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2805% | 5,034 |
| Return on assets (ROA) | 0.2805% | 5,029 |
| Pretax return on assets | 0.3553% | 4,993 |
| Return on Equity (ROE) | 2.4191% | 4,988 |
| Retained earnings to average equity (ytd only) | 2.4191% | 4,177 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2721% | 462 |
| Assets per employee ($millions) | 6.5265% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 4,350 |
| Loan loss allowance to noncurrent loans | 410.6742% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 3,965 |
| Noncurrent loans to loans | 0.2078% | 3,838 |
| Net loans and leases to total assets | 81.3472% | 762 |
| Net loans and leases to deposits | 101.2890% | 641 |
| Net loans and leases to core deposits | 109.9240% | 1,009 |
| Total domestic deposits to total assets | 80.3120% | 4,035 |
| Equity capital to assets | 11.2426% | 2,474 |
| Core capital (leverage) ratio | 10.6561% | 2,885 |
| Tier 1 risk-based capital ratio | 18.2342% | 1,684 |
| Total risk-based capital ratio | 19.1096% | 1,754 |
| Memoranda: | ||
| Average total assets | $100,194,600 | 4,096 |
| Average earning assets | $93,770,800 | 4,069 |
| Average equity | $11,616,000 | 4,076 |
| Average total loans | $85,592,800 | 3,556 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7005% | 4,650 |
| Cost of funding earning assets | 0.8108% | 1,285 |
| Net interest margin | 2.8897% | 4,987 |
| Noninterest income to average assets | 0.1291% | 5,109 |
| Noninterest expense to average assets | 2.3966% | 3,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3403% | 5,042 |
| Return on assets (ROA) | 0.3403% | 5,040 |
| Pretax return on assets | 0.4357% | 4,992 |
| Return on Equity (ROE) | 2.9117% | 5,015 |
| Retained earnings to average equity (ytd only) | 2.9117% | 4,267 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 611 |
| Assets per employee ($millions) | 6.7425% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 4,483 |
| Loan loss allowance to noncurrent loans | 410.6742% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 4,074 |
| Noncurrent loans to loans | 0.2056% | 3,981 |
| Net loans and leases to total assets | 84.8909% | 368 |
| Net loans and leases to deposits | 106.6136% | 418 |
| Net loans and leases to core deposits | 116.0826% | 710 |
| Total domestic deposits to total assets | 79.6249% | 4,191 |
| Equity capital to assets | 11.5575% | 2,219 |
| Core capital (leverage) ratio | 10.9856% | 2,591 |
| Tier 1 risk-based capital ratio | 18.4685% | 1,678 |
| Total risk-based capital ratio | 19.3278% | 1,723 |
| Memoranda: | ||
| Average total assets | $99,137,250 | 4,156 |
| Average earning assets | $92,742,250 | 4,131 |
| Average equity | $11,585,000 | 4,115 |
| Average total loans | $85,571,750 | 3,587 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7427% | 4,485 |
| Cost of funding earning assets | 0.7577% | 1,336 |
| Net interest margin | 2.9850% | 4,898 |
| Noninterest income to average assets | 0.1280% | 5,167 |
| Noninterest expense to average assets | 2.4028% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4001% | 4,962 |
| Return on assets (ROA) | 0.4001% | 4,968 |
| Pretax return on assets | 0.5179% | 4,870 |
| Return on Equity (ROE) | 3.4112% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.4112% | 3,871 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2670% | 813 |
| Assets per employee ($millions) | 6.6861% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 4,602 |
| Loan loss allowance to noncurrent loans | 410.6742% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 4,096 |
| Noncurrent loans to loans | 0.2022% | 3,995 |
| Net loans and leases to total assets | 87.0408% | 197 |
| Net loans and leases to deposits | 106.8692% | 399 |
| Net loans and leases to core deposits | 116.0807% | 712 |
| Total domestic deposits to total assets | 81.4462% | 3,878 |
| Equity capital to assets | 11.6051% | 2,122 |
| Core capital (leverage) ratio | 10.9875% | 2,537 |
| Tier 1 risk-based capital ratio | 18.2933% | 1,727 |
| Total risk-based capital ratio | 19.1705% | 1,785 |
| Memoranda: | ||
| Average total assets | $98,470,330 | 4,200 |
| Average earning assets | $92,126,670 | 4,180 |
| Average equity | $11,550,330 | 4,145 |
| Average total loans | $85,233,000 | 3,620 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 4,540 |
| Cost of funding earning assets | 0.7191% | 1,346 |
| Net interest margin | 2.9511% | 4,957 |
| Noninterest income to average assets | 0.1312% | 5,206 |
| Noninterest expense to average assets | 2.4067% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3731% | 4,980 |
| Return on assets (ROA) | 0.3731% | 4,986 |
| Pretax return on assets | 0.4838% | 4,898 |
| Return on Equity (ROE) | 3.1636% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.1636% | 3,940 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2624% | 847 |
| Assets per employee ($millions) | 6.5462% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8568% | 4,616 |
| 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 | 86.1446% | 245 |
| Net loans and leases to deposits | 106.2543% | 373 |
| Net loans and leases to core deposits | 115.6712% | 738 |
| Total domestic deposits to total assets | 81.0740% | 4,180 |
| Equity capital to assets | 11.7544% | 1,946 |
| Core capital (leverage) ratio | 11.1285% | 2,312 |
| Tier 1 risk-based capital ratio | 18.9234% | 1,570 |
| Total risk-based capital ratio | 19.8013% | 1,640 |
| Memoranda: | ||
| Average total assets | $97,559,500 | 4,256 |
| Average earning assets | $91,219,000 | 4,247 |
| Average equity | $11,506,000 | 4,193 |
| Average total loans | $83,836,500 | 3,675 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5357% | 4,724 |
| Cost of funding earning assets | 0.6972% | 1,040 |
| Net interest margin | 2.8385% | 5,118 |
| Noninterest income to average assets | 0.0913% | 5,433 |
| Noninterest expense to average assets | 3.6536% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.0257% | 5,590 |
| Return on assets (ROA) | -1.0257% | 5,591 |
| Pretax return on assets | -0.8908% | 5,586 |
| Return on Equity (ROE) | -8.1254% | 5,577 |
| Retained earnings to average equity (ytd only) | -8.1254% | 5,505 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.2444% | 41 |
| Assets per employee ($millions) | 6.4617% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 4,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 84.2117% | 429 |
| Net loans and leases to deposits | 106.8672% | 364 |
| Net loans and leases to core deposits | 117.3233% | 675 |
| Total domestic deposits to total assets | 78.8003% | 4,577 |
| Equity capital to assets | 11.8338% | 1,958 |
| Core capital (leverage) ratio | 11.1204% | 2,228 |
| Tier 1 risk-based capital ratio | 19.7986% | 1,360 |
| Total risk-based capital ratio | 20.6798% | 1,402 |
| Memoranda: | ||
| Average total assets | $94,180,000 | 4,342 |
| Average earning assets | $88,639,400 | 4,320 |
| Average equity | $11,888,600 | 4,157 |
| Average total loans | $79,167,000 | 3,767 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5055% | 4,805 |
| Cost of funding earning assets | 0.7032% | 949 |
| Net interest margin | 2.8022% | 5,212 |
| Noninterest income to average assets | 0.0813% | 5,528 |
| Noninterest expense to average assets | 4.0002% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.7644% | 5,656 |
| Return on assets (ROA) | -0.7644% | 5,658 |
| Pretax return on assets | -1.2763% | 5,687 |
| Return on Equity (ROE) | -5.9588% | 5,641 |
| Retained earnings to average equity (ytd only) | -5.9588% | 5,566 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.8586% | 25 |
| Assets per employee ($millions) | 6.3833% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 4,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 83.9131% | 440 |
| Net loans and leases to deposits | 107.5741% | 353 |
| Net loans and leases to core deposits | 117.6248% | 676 |
| Total domestic deposits to total assets | 78.0050% | 4,726 |
| Equity capital to assets | 12.4377% | 1,691 |
| Core capital (leverage) ratio | 11.5399% | 1,988 |
| Tier 1 risk-based capital ratio | 19.4124% | 1,499 |
| Total risk-based capital ratio | 20.6803% | 1,455 |
| Memoranda: | ||
| Average total assets | $93,493,500 | 4,400 |
| Average earning assets | $88,165,000 | 4,370 |
| Average equity | $11,993,250 | 4,181 |
| Average total loans | $78,370,250 | 3,814 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4717% | 4,831 |
| Cost of funding earning assets | 0.7371% | 734 |
| Net interest margin | 2.7346% | 5,328 |
| Noninterest income to average assets | 0.0776% | 5,576 |
| Noninterest expense to average assets | 2.4973% | 3,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1035% | 5,490 |
| Return on assets (ROA) | 0.1035% | 5,492 |
| Pretax return on assets | 0.1725% | 5,449 |
| Return on Equity (ROE) | 0.7986% | 5,497 |
| Retained earnings to average equity (ytd only) | 0.7986% | 4,894 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5380% | 319 |
| Assets per employee ($millions) | 6.1186% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 4,582 |
| Loan loss allowance to noncurrent loans | 156.1966% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 3,064 |
| Noncurrent loans to loans | 0.5852% | 2,975 |
| Net loans and leases to total assets | 86.3411% | 247 |
| Net loans and leases to deposits | 100.6414% | 691 |
| Net loans and leases to core deposits | 113.4539% | 824 |
| Total domestic deposits to total assets | 85.7909% | 2,479 |
| Equity capital to assets | 13.1806% | 1,288 |
| Core capital (leverage) ratio | 12.1355% | 1,568 |
| Tier 1 risk-based capital ratio | 21.8263% | 1,071 |
| Total risk-based capital ratio | 23.0956% | 1,051 |
| Memoranda: | ||
| Average total assets | $92,741,670 | 4,445 |
| Average earning assets | $87,909,670 | 4,398 |
| Average equity | $12,021,330 | 4,182 |
| Average total loans | $77,468,000 | 3,856 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4314% | 4,871 |
| Cost of funding earning assets | 0.7288% | 726 |
| Net interest margin | 2.7025% | 5,391 |
| Noninterest income to average assets | 0.0815% | 5,642 |
| Noninterest expense to average assets | 2.4157% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1373% | 5,468 |
| Return on assets (ROA) | 0.1373% | 5,478 |
| Pretax return on assets | 0.2274% | 5,410 |
| Return on Equity (ROE) | 1.0681% | 5,481 |
| Retained earnings to average equity (ytd only) | 1.0681% | 4,627 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3961% | 482 |
| Assets per employee ($millions) | 6.2907% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 4,510 |
| Loan loss allowance to noncurrent loans | 156.1966% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4960% | 3,242 |
| Noncurrent loans to loans | 0.6130% | 2,986 |
| Net loans and leases to total assets | 80.1348% | 814 |
| Net loans and leases to deposits | 93.0498% | 1,218 |
| Net loans and leases to core deposits | 104.0898% | 1,217 |
| Total domestic deposits to total assets | 86.1203% | 2,617 |
| Equity capital to assets | 12.7203% | 1,391 |
| Core capital (leverage) ratio | 11.4277% | 2,001 |
| Tier 1 risk-based capital ratio | 21.7409% | 1,115 |
| Total risk-based capital ratio | 23.0216% | 1,088 |
| Memoranda: | ||
| Average total assets | $93,223,000 | 4,477 |
| Average earning assets | $88,361,500 | 4,435 |
| Average equity | $11,983,500 | 4,215 |
| Average total loans | $76,215,000 | 3,899 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3694% | 5,039 |
| Cost of funding earning assets | 0.7157% | 762 |
| Net interest margin | 2.6536% | 5,469 |
| Noninterest income to average assets | 0.1877% | 5,276 |
| Noninterest expense to average assets | 2.8626% | 2,803 |
| Loan and lease loss provision to assets | -0.3293% | 5,852 |
| Net operating income to assets | 0.1120% | 5,547 |
| Return on assets (ROA) | 0.1120% | 5,577 |
| Pretax return on assets | 0.1734% | 5,521 |
| Return on Equity (ROE) | 0.8462% | 5,586 |
| Retained earnings to average equity (ytd only) | 0.8462% | 4,985 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7583% | 161 |
| Assets per employee ($millions) | 5.4168% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 4,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 81.8287% | 627 |
| Net loans and leases to deposits | 95.3256% | 1,063 |
| Net loans and leases to core deposits | 106.4294% | 1,103 |
| Total domestic deposits to total assets | 85.8413% | 2,657 |
| Equity capital to assets | 12.9923% | 1,265 |
| Core capital (leverage) ratio | 12.1284% | 1,519 |
| Tier 1 risk-based capital ratio | 23.1118% | 959 |
| Total risk-based capital ratio | 24.3851% | 939 |
| Memoranda: | ||
| Average total assets | $91,105,000 | 4,525 |
| Average earning assets | $86,484,800 | 4,463 |
| Average equity | $12,054,200 | 4,246 |
| Average total loans | $76,564,000 | 3,885 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4088% | 5,014 |
| Cost of funding earning assets | 0.7046% | 799 |
| Net interest margin | 2.7042% | 5,488 |
| Noninterest income to average assets | 0.2260% | 5,116 |
| Noninterest expense to average assets | 2.8835% | 2,691 |
| Loan and lease loss provision to assets | -0.4402% | 5,938 |
| Net operating income to assets | 0.2230% | 5,430 |
| Return on assets (ROA) | 0.2230% | 5,494 |
| Pretax return on assets | 0.3507% | 5,376 |
| Return on Equity (ROE) | 1.6781% | 5,529 |
| Retained earnings to average equity (ytd only) | 1.6781% | 4,838 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2038% | 187 |
| Assets per employee ($millions) | 5.2907% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 4,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 80.3985% | 834 |
| Net loans and leases to deposits | 94.2532% | 1,241 |
| Net loans and leases to core deposits | 106.2880% | 1,166 |
| Total domestic deposits to total assets | 85.3005% | 2,676 |
| Equity capital to assets | 13.4231% | 1,280 |
| Core capital (leverage) ratio | 12.4540% | 1,414 |
| Tier 1 risk-based capital ratio | 24.6710% | 843 |
| Total risk-based capital ratio | 25.9466% | 829 |
| Memoranda: | ||
| Average total assets | $90,860,000 | 4,562 |
| Average earning assets | $86,283,500 | 4,503 |
| Average equity | $12,076,750 | 4,279 |
| Average total loans | $76,684,250 | 3,910 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5040% | 4,852 |
| Cost of funding earning assets | 0.6902% | 844 |
| Net interest margin | 2.8139% | 5,402 |
| Noninterest income to average assets | 0.3006% | 4,639 |
| Noninterest expense to average assets | 2.8717% | 2,771 |
| Loan and lease loss provision to assets | -0.6581% | 6,031 |
| Net operating income to assets | 0.4673% | 4,813 |
| Return on assets (ROA) | 0.4673% | 4,902 |
| Pretax return on assets | 0.7612% | 4,417 |
| Return on Equity (ROE) | 3.5271% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.5271% | 3,654 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5339% | 327 |
| Assets per employee ($millions) | 5.3525% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 4,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 83.1930% | 492 |
| Net loans and leases to deposits | 97.4862% | 931 |
| Net loans and leases to core deposits | 108.4653% | 1,012 |
| Total domestic deposits to total assets | 85.3383% | 2,717 |
| Equity capital to assets | 13.3352% | 1,314 |
| Core capital (leverage) ratio | 12.4556% | 1,379 |
| Tier 1 risk-based capital ratio | 24.4430% | 859 |
| Total risk-based capital ratio | 25.7187% | 843 |
| Memoranda: | ||
| Average total assets | $91,166,000 | 4,598 |
| Average earning assets | $86,642,670 | 4,530 |
| Average equity | $12,078,000 | 4,305 |
| Average total loans | $77,898,000 | 3,907 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6096% | 4,592 |
| Cost of funding earning assets | 0.6777% | 900 |
| Net interest margin | 2.9319% | 5,257 |
| Noninterest income to average assets | 0.4866% | 3,221 |
| Noninterest expense to average assets | 2.5950% | 3,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4164% | 4,942 |
| Return on assets (ROA) | 0.4164% | 5,016 |
| Pretax return on assets | 0.6794% | 4,590 |
| Return on Equity (ROE) | 3.1535% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.1535% | 3,940 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2503% | 1,707 |
| Assets per employee ($millions) | 5.3823% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 2,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 84.3933% | 335 |
| Net loans and leases to deposits | 99.7984% | 635 |
| Net loans and leases to core deposits | 111.6365% | 768 |
| Total domestic deposits to total assets | 84.5638% | 3,291 |
| Equity capital to assets | 13.1182% | 1,356 |
| Core capital (leverage) ratio | 12.2752% | 1,444 |
| Tier 1 risk-based capital ratio | 24.0712% | 911 |
| Total risk-based capital ratio | 25.3551% | 889 |
| Memoranda: | ||
| Average total assets | $91,253,000 | 4,634 |
| Average earning assets | $86,768,500 | 4,565 |
| Average equity | $12,050,000 | 4,325 |
| Average total loans | $78,632,000 | 3,895 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 4,716 |
| Cost of funding earning assets | 0.6361% | 1,145 |
| Net interest margin | 2.9481% | 5,252 |
| Noninterest income to average assets | 0.0710% | 5,947 |
| Noninterest expense to average assets | 2.8059% | 3,199 |
| Loan and lease loss provision to assets | 0.0133% | 4,145 |
| Net operating income to assets | 0.0377% | 5,834 |
| Return on assets (ROA) | 0.0377% | 5,866 |
| Pretax return on assets | 0.0621% | 5,836 |
| Return on Equity (ROE) | 0.2797% | 5,865 |
| Retained earnings to average equity (ytd only) | 0.2797% | 5,399 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3836% | 357 |
| Assets per employee ($millions) | 5.3534% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 2,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 85.6890% | 253 |
| Net loans and leases to deposits | 99.7340% | 693 |
| Net loans and leases to core deposits | 109.3455% | 896 |
| Total domestic deposits to total assets | 85.9176% | 2,674 |
| Equity capital to assets | 13.2924% | 1,219 |
| Core capital (leverage) ratio | 12.6140% | 1,304 |
| Tier 1 risk-based capital ratio | 24.2069% | 900 |
| Total risk-based capital ratio | 25.4884% | 878 |
| Memoranda: | ||
| Average total assets | $90,201,800 | 4,667 |
| Average earning assets | $85,987,400 | 4,587 |
| Average equity | $12,157,400 | 4,278 |
| Average total loans | $77,071,600 | 3,908 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5521% | 4,860 |
| Cost of funding earning assets | 0.6340% | 1,184 |
| Net interest margin | 2.9181% | 5,376 |
| Noninterest income to average assets | 0.0741% | 6,034 |
| Noninterest expense to average assets | 2.7821% | 3,263 |
| Loan and lease loss provision to assets | 0.0178% | 3,923 |
| Net operating income to assets | 0.0341% | 5,908 |
| Return on assets (ROA) | 0.0341% | 5,951 |
| Pretax return on assets | 0.0563% | 5,929 |
| Return on Equity (ROE) | 0.2520% | 5,946 |
| Retained earnings to average equity (ytd only) | 0.2520% | 5,533 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4066% | 375 |
| Assets per employee ($millions) | 4.9233% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 3,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 87.1609% | 174 |
| Net loans and leases to deposits | 101.8674% | 554 |
| Net loans and leases to core deposits | 111.9157% | 771 |
| Total domestic deposits to total assets | 85.5631% | 2,754 |
| Equity capital to assets | 13.6696% | 1,149 |
| Core capital (leverage) ratio | 12.7508% | 1,299 |
| Tier 1 risk-based capital ratio | 25.1092% | 848 |
| Total risk-based capital ratio | 26.3904% | 831 |
| Memoranda: | ||
| Average total assets | $90,000,500 | 4,725 |
| Average earning assets | $85,806,000 | 4,642 |
| Average equity | $12,172,500 | 4,320 |
| Average total loans | $76,586,000 | 3,963 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5160% | 4,944 |
| Cost of funding earning assets | 0.6304% | 1,226 |
| Net interest margin | 2.8856% | 5,469 |
| Noninterest income to average assets | 0.0730% | 6,105 |
| Noninterest expense to average assets | 2.7592% | 3,383 |
| Loan and lease loss provision to assets | 0.0265% | 3,607 |
| Net operating income to assets | 0.0243% | 5,966 |
| Return on assets (ROA) | 0.0243% | 6,005 |
| Pretax return on assets | 0.0398% | 5,986 |
| Return on Equity (ROE) | 0.1804% | 6,005 |
| Retained earnings to average equity (ytd only) | 0.1804% | 5,446 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6526% | 386 |
| Assets per employee ($millions) | 5.5723% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 3,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 85.3595% | 272 |
| Net loans and leases to deposits | 99.6661% | 688 |
| Net loans and leases to core deposits | 109.3275% | 873 |
| Total domestic deposits to total assets | 85.6455% | 2,856 |
| Equity capital to assets | 13.5592% | 1,150 |
| Core capital (leverage) ratio | 12.4716% | 1,396 |
| Tier 1 risk-based capital ratio | 25.3679% | 827 |
| Total risk-based capital ratio | 26.6512% | 813 |
| Memoranda: | ||
| Average total assets | $90,460,670 | 4,754 |
| Average earning assets | $86,291,330 | 4,671 |
| Average equity | $12,192,000 | 4,346 |
| Average total loans | $76,023,670 | 3,999 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4655% | 5,049 |
| Cost of funding earning assets | 0.6251% | 1,268 |
| Net interest margin | 2.8404% | 5,568 |
| Noninterest income to average assets | 0.0702% | 6,176 |
| Noninterest expense to average assets | 2.7351% | 3,468 |
| Loan and lease loss provision to assets | 0.0395% | 3,121 |
| Net operating income to assets | 0.0044% | 6,012 |
| Return on assets (ROA) | 0.0044% | 6,050 |
| Pretax return on assets | 0.0088% | 6,040 |
| Return on Equity (ROE) | 0.0327% | 6,052 |
| Retained earnings to average equity (ytd only) | 0.0327% | 5,360 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2650% | 426 |
| Assets per employee ($millions) | 5.6796% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 3,237 |
| Loan loss allowance to noncurrent loans | 262.2449% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4314% | 4,311 |
| Noncurrent loans to loans | 0.5080% | 4,060 |
| Net loans and leases to total assets | 83.7885% | 324 |
| Net loans and leases to deposits | 97.4106% | 730 |
| Net loans and leases to core deposits | 106.9080% | 881 |
| Total domestic deposits to total assets | 86.0158% | 2,930 |
| Equity capital to assets | 13.4857% | 1,176 |
| Core capital (leverage) ratio | 12.5216% | 1,356 |
| Tier 1 risk-based capital ratio | 25.2329% | 867 |
| Total risk-based capital ratio | 26.4950% | 843 |
| Memoranda: | ||
| Average total assets | $91,112,500 | 4,787 |
| Average earning assets | $87,029,000 | 4,691 |
| Average equity | $12,243,500 | 4,370 |
| Average total loans | $75,468,000 | 4,037 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2324% | 5,794 |
| Cost of funding earning assets | 0.6401% | 1,475 |
| Net interest margin | 2.5923% | 6,086 |
| Noninterest income to average assets | 0.0696% | 6,241 |
| Noninterest expense to average assets | 2.8741% | 3,223 |
| Loan and lease loss provision to assets | 0.6270% | 213 |
| Net operating income to assets | -0.6889% | 6,338 |
| Return on assets (ROA) | -2.2972% | 6,463 |
| Pretax return on assets | -3.1492% | 6,478 |
| Return on Equity (ROE) | -16.0136% | 6,419 |
| Retained earnings to average equity (ytd only) | -16.0136% | 6,393 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.4900% | 188 |
| Assets per employee ($millions) | 6.0901% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 3,035 |
| Loan loss allowance to noncurrent loans | 259.9490% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 4,386 |
| Noncurrent loans to loans | 0.5314% | 4,069 |
| Net loans and leases to total assets | 79.6346% | 789 |
| Net loans and leases to deposits | 92.5923% | 1,230 |
| Net loans and leases to core deposits | 101.2231% | 1,300 |
| Total domestic deposits to total assets | 86.0056% | 2,839 |
| Equity capital to assets | 13.3901% | 1,200 |
| Core capital (leverage) ratio | 12.3265% | 1,437 |
| Tier 1 risk-based capital ratio | 26.0755% | 759 |
| Total risk-based capital ratio | 27.3400% | 741 |
| Memoranda: | ||
| Average total assets | $97,770,600 | 4,654 |
| Average earning assets | $93,739,800 | 4,561 |
| Average equity | $14,025,600 | 4,020 |
| Average total loans | $40,597,000 | 5,152 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3324% | 5,705 |
| Cost of funding earning assets | 0.6475% | 1,472 |
| Net interest margin | 2.6850% | 6,023 |
| Noninterest income to average assets | 0.0698% | 6,330 |
| Noninterest expense to average assets | 2.7478% | 3,643 |
| Loan and lease loss provision to assets | 0.0121% | 4,177 |
| Net operating income to assets | -0.0671% | 6,197 |
| Return on assets (ROA) | -0.0671% | 6,201 |
| Pretax return on assets | -0.1141% | 6,211 |
| Return on Equity (ROE) | -0.4606% | 6,187 |
| Retained earnings to average equity (ytd only) | -0.4606% | 5,869 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8540% | 295 |
| Assets per employee ($millions) | 6.5320% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 3,793 |
| Loan loss allowance to noncurrent loans | 109.4987% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 4,767 |
| Noncurrent loans to loans | 1.1622% | 2,738 |
| Net loans and leases to total assets | 32.8587% | 6,156 |
| Net loans and leases to deposits | 41.2831% | 6,076 |
| Net loans and leases to core deposits | 44.8755% | 6,002 |
| Total domestic deposits to total assets | 79.5938% | 5,199 |
| Equity capital to assets | 14.7397% | 792 |
| Core capital (leverage) ratio | 14.7799% | 662 |
| Tier 1 risk-based capital ratio | 43.6808% | 193 |
| Total risk-based capital ratio | 44.9321% | 189 |
| Memoranda: | ||
| Average total assets | $99,375,500 | 4,659 |
| Average earning assets | $95,344,000 | 4,566 |
| Average equity | $14,474,000 | 3,961 |
| Average total loans | $32,304,750 | 5,525 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3419% | 5,725 |
| Cost of funding earning assets | 0.6709% | 1,372 |
| Net interest margin | 2.6710% | 6,080 |
| Noninterest income to average assets | 0.0661% | 6,389 |
| Noninterest expense to average assets | 2.6442% | 4,078 |
| Loan and lease loss provision to assets | 0.0120% | 4,011 |
| Net operating income to assets | -0.0200% | 6,200 |
| Return on assets (ROA) | -0.0200% | 6,220 |
| Pretax return on assets | -0.0300% | 6,217 |
| Return on Equity (ROE) | -0.1381% | 6,219 |
| Retained earnings to average equity (ytd only) | -0.1381% | 5,711 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6865% | 386 |
| Assets per employee ($millions) | 6.5077% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 4,000 |
| Loan loss allowance to noncurrent loans | 108.7071% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 4,851 |
| Noncurrent loans to loans | 1.1727% | 2,883 |
| Net loans and leases to total assets | 32.6866% | 6,211 |
| Net loans and leases to deposits | 40.0128% | 6,155 |
| Net loans and leases to core deposits | 43.3831% | 6,093 |
| Total domestic deposits to total assets | 81.6903% | 4,754 |
| Equity capital to assets | 14.8358% | 741 |
| Core capital (leverage) ratio | 14.5043% | 700 |
| Tier 1 risk-based capital ratio | 43.7122% | 187 |
| Total risk-based capital ratio | 44.9618% | 185 |
| Memoranda: | ||
| Average total assets | $99,840,670 | 4,688 |
| Average earning assets | $95,693,670 | 4,589 |
| Average equity | $14,484,670 | 3,952 |
| Average total loans | $32,203,000 | 5,568 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3582% | 5,734 |
| Cost of funding earning assets | 0.6989% | 1,256 |
| Net interest margin | 2.6593% | 6,161 |
| Noninterest income to average assets | 0.0594% | 6,461 |
| Noninterest expense to average assets | 2.4883% | 4,660 |
| Loan and lease loss provision to assets | 0.0119% | 3,674 |
| Net operating income to assets | 0.0713% | 6,086 |
| Return on assets (ROA) | 0.0713% | 6,111 |
| Pretax return on assets | 0.1070% | 6,066 |
| Return on Equity (ROE) | 0.4970% | 6,142 |
| Retained earnings to average equity (ytd only) | 0.4970% | 5,384 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4407% | 676 |
| Assets per employee ($millions) | 6.2575% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 4,299 |
| Loan loss allowance to noncurrent loans | 107.9156% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 5,024 |
| Noncurrent loans to loans | 1.1736% | 3,090 |
| Net loans and leases to total assets | 31.8458% | 6,272 |
| Net loans and leases to deposits | 38.9223% | 6,208 |
| Net loans and leases to core deposits | 42.8117% | 6,131 |
| Total domestic deposits to total assets | 81.8188% | 4,991 |
| Equity capital to assets | 14.4926% | 792 |
| Core capital (leverage) ratio | 14.5560% | 686 |
| Tier 1 risk-based capital ratio | 43.1045% | 196 |
| Total risk-based capital ratio | 44.3152% | 195 |
| Memoranda: | ||
| Average total assets | $100,953,500 | 4,711 |
| Average earning assets | $96,718,500 | 4,605 |
| Average equity | $14,486,000 | 3,951 |
| Average total loans | $32,145,000 | 5,623 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3449% | 5,921 |
| Cost of funding earning assets | 0.7419% | 1,552 |
| Net interest margin | 2.6031% | 6,260 |
| Noninterest income to average assets | 0.0693% | 6,486 |
| Noninterest expense to average assets | 2.6197% | 4,391 |
| Loan and lease loss provision to assets | 0.0124% | 4,874 |
| Net operating income to assets | -0.0290% | 6,244 |
| Return on assets (ROA) | -0.0290% | 6,279 |
| Pretax return on assets | -0.0662% | 6,267 |
| Return on Equity (ROE) | -0.1937% | 6,276 |
| Retained earnings to average equity (ytd only) | -0.1937% | 5,916 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0959% | 421 |
| Assets per employee ($millions) | 6.3617% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 4,303 |
| Loan loss allowance to noncurrent loans | 107.1240% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 5,131 |
| Noncurrent loans to loans | 1.1845% | 3,176 |
| Net loans and leases to total assets | 31.0364% | 6,428 |
| Net loans and leases to deposits | 38.7235% | 6,344 |
| Net loans and leases to core deposits | 42.4587% | 6,287 |
| Total domestic deposits to total assets | 80.1487% | 5,412 |
| Equity capital to assets | 14.2081% | 848 |
| Core capital (leverage) ratio | 14.4959% | 690 |
| Tier 1 risk-based capital ratio | 42.8306% | 190 |
| Total risk-based capital ratio | 44.0263% | 189 |
| Memoranda: | ||
| Average total assets | $96,691,600 | 4,823 |
| Average earning assets | $92,737,200 | 4,706 |
| Average equity | $14,457,600 | 3,977 |
| Average total loans | $29,998,000 | 5,765 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3374% | 5,992 |
| Cost of funding earning assets | 0.7473% | 1,624 |
| Net interest margin | 2.5901% | 6,327 |
| Noninterest income to average assets | 0.0699% | 6,575 |
| Noninterest expense to average assets | 2.6885% | 4,063 |
| Loan and lease loss provision to assets | 0.0126% | 4,750 |
| Net operating income to assets | -0.0769% | 6,363 |
| Return on assets (ROA) | -0.0769% | 6,402 |
| Pretax return on assets | -0.1467% | 6,436 |
| Return on Equity (ROE) | -0.5072% | 6,382 |
| Retained earnings to average equity (ytd only) | -0.5072% | 6,044 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2516% | 343 |
| Assets per employee ($millions) | 5.8962% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 4,653 |
| Loan loss allowance to noncurrent loans | 109.8093% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 5,310 |
| Noncurrent loans to loans | 1.1356% | 3,536 |
| Net loans and leases to total assets | 31.8402% | 6,457 |
| Net loans and leases to deposits | 39.9057% | 6,386 |
| Net loans and leases to core deposits | 43.7912% | 6,313 |
| Total domestic deposits to total assets | 79.7885% | 5,563 |
| Equity capital to assets | 14.4012% | 852 |
| Core capital (leverage) ratio | 14.8113% | 672 |
| Tier 1 risk-based capital ratio | 42.8268% | 204 |
| Total risk-based capital ratio | 44.0157% | 203 |
| Memoranda: | ||
| Average total assets | $95,417,750 | 4,896 |
| Average earning assets | $91,526,250 | 4,776 |
| Average equity | $14,456,500 | 4,023 |
| Average total loans | $29,498,250 | 5,844 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3616% | 5,986 |
| Cost of funding earning assets | 0.7599% | 1,646 |
| Net interest margin | 2.6017% | 6,335 |
| Noninterest income to average assets | 0.0704% | 6,612 |
| Noninterest expense to average assets | 2.7289% | 3,933 |
| Loan and lease loss provision to assets | 0.0128% | 4,626 |
| Net operating income to assets | -0.1173% | 6,419 |
| Return on assets (ROA) | -0.1173% | 6,465 |
| Pretax return on assets | -0.1748% | 6,479 |
| Return on Equity (ROE) | -0.7605% | 6,431 |
| Retained earnings to average equity (ytd only) | -0.7605% | 6,003 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3123% | 340 |
| Assets per employee ($millions) | 5.5684% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 4,166 |
| Loan loss allowance to noncurrent loans | 108.9918% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 5,319 |
| Noncurrent loans to loans | 1.2578% | 3,447 |
| Net loans and leases to total assets | 30.4015% | 6,563 |
| Net loans and leases to deposits | 36.1868% | 6,554 |
| Net loans and leases to core deposits | 39.6946% | 6,486 |
| Total domestic deposits to total assets | 84.0128% | 4,312 |
| Equity capital to assets | 15.2488% | 666 |
| Core capital (leverage) ratio | 15.2851% | 562 |
| Tier 1 risk-based capital ratio | 45.6108% | 164 |
| Total risk-based capital ratio | 46.8613% | 165 |
| Memoranda: | ||
| Average total assets | $93,812,000 | 4,965 |
| Average earning assets | $90,017,670 | 4,845 |
| Average equity | $14,463,670 | 4,057 |
| Average total loans | $28,558,330 | 5,910 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3531% | 6,039 |
| Cost of funding earning assets | 0.7635% | 1,762 |
| Net interest margin | 2.5896% | 6,390 |
| Noninterest income to average assets | 0.0642% | 6,687 |
| Noninterest expense to average assets | 2.6813% | 4,147 |
| Loan and lease loss provision to assets | 0.0128% | 4,292 |
| Net operating income to assets | -0.0985% | 6,438 |
| Return on assets (ROA) | -0.0985% | 6,489 |
| Pretax return on assets | -0.1456% | 6,516 |
| Return on Equity (ROE) | -0.6354% | 6,472 |
| Retained earnings to average equity (ytd only) | -0.6354% | 5,902 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2101% | 412 |
| Assets per employee ($millions) | 5.6081% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 4,337 |
| Loan loss allowance to noncurrent loans | 108.1744% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 5,437 |
| Noncurrent loans to loans | 1.2751% | 3,642 |
| Net loans and leases to total assets | 29.7741% | 6,615 |
| Net loans and leases to deposits | 35.3975% | 6,595 |
| Net loans and leases to core deposits | 38.7575% | 6,535 |
| Total domestic deposits to total assets | 84.1134% | 4,425 |
| Equity capital to assets | 15.1744% | 717 |
| Core capital (leverage) ratio | 15.5972% | 504 |
| Tier 1 risk-based capital ratio | 45.5171% | 162 |
| Total risk-based capital ratio | 46.7586% | 164 |
| Memoranda: | ||
| Average total assets | $93,386,500 | 5,018 |
| Average earning assets | $89,587,500 | 4,895 |
| Average equity | $14,478,000 | 4,097 |
| Average total loans | $28,248,000 | 5,972 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5773% | 6,255 |
| Cost of funding earning assets | 0.8079% | 2,608 |
| Net interest margin | 2.7693% | 6,423 |
| Noninterest income to average assets | 0.0870% | 6,557 |
| Noninterest expense to average assets | 2.7706% | 4,140 |
| Loan and lease loss provision to assets | 0.0130% | 5,748 |
| Net operating income to assets | -0.0141% | 6,189 |
| Return on assets (ROA) | -0.0141% | 6,320 |
| Pretax return on assets | -0.0402% | 6,322 |
| Return on Equity (ROE) | -0.0896% | 6,315 |
| Retained earnings to average equity (ytd only) | -0.0896% | 5,861 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9905% | 523 |
| Assets per employee ($millions) | 5.3785% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 4,063 |
| Loan loss allowance to noncurrent loans | 107.6503% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 5,483 |
| Noncurrent loans to loans | 1.3207% | 3,632 |
| Net loans and leases to total assets | 29.8781% | 6,705 |
| Net loans and leases to deposits | 35.8226% | 6,685 |
| Net loans and leases to core deposits | 39.0707% | 6,641 |
| Total domestic deposits to total assets | 83.4057% | 4,563 |
| Equity capital to assets | 15.8462% | 581 |
| Core capital (leverage) ratio | 16.0259% | 453 |
| Tier 1 risk-based capital ratio | 47.1018% | 155 |
| Total risk-based capital ratio | 48.3522% | 155 |
| Memoranda: | ||
| Average total assets | $92,003,200 | 5,026 |
| Average earning assets | $88,252,000 | 4,913 |
| Average equity | $14,502,000 | 4,062 |
| Average total loans | $27,285,200 | 6,066 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6364% | 6,339 |
| Cost of funding earning assets | 0.8148% | 2,822 |
| Net interest margin | 2.8216% | 6,470 |
| Noninterest income to average assets | 0.0868% | 6,666 |
| Noninterest expense to average assets | 2.7796% | 4,057 |
| Loan and lease loss provision to assets | 0.0130% | 5,652 |
| Net operating income to assets | 0.0130% | 6,260 |
| Return on assets (ROA) | 0.0130% | 6,391 |
| Pretax return on assets | 0.0000% | 6,390 |
| Return on Equity (ROE) | 0.0827% | 6,393 |
| Retained earnings to average equity (ytd only) | 0.0827% | 6,048 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5337% | 553 |
| Assets per employee ($millions) | 5.3782% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 4,394 |
| Loan loss allowance to noncurrent loans | 107.1233% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 5,695 |
| Noncurrent loans to loans | 1.3028% | 3,862 |
| Net loans and leases to total assets | 30.2144% | 6,809 |
| Net loans and leases to deposits | 36.2352% | 6,810 |
| Net loans and leases to core deposits | 39.4812% | 6,762 |
| Total domestic deposits to total assets | 83.3840% | 4,487 |
| Equity capital to assets | 15.8712% | 633 |
| Core capital (leverage) ratio | 15.8713% | 493 |
| Tier 1 risk-based capital ratio | 46.9695% | 156 |
| Total risk-based capital ratio | 48.2209% | 155 |
| Memoranda: | ||
| Average total assets | $92,145,250 | 5,074 |
| Average earning assets | $88,362,750 | 4,961 |
| Average equity | $14,505,250 | 4,105 |
| Average total loans | $27,178,250 | 6,154 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6676% | 6,393 |
| Cost of funding earning assets | 0.8175% | 3,058 |
| Net interest margin | 2.8501% | 6,496 |
| Noninterest income to average assets | 0.0823% | 6,750 |
| Noninterest expense to average assets | 2.8165% | 3,949 |
| Loan and lease loss provision to assets | 0.0130% | 5,503 |
| Net operating income to assets | -0.0108% | 6,334 |
| Return on assets (ROA) | -0.0108% | 6,466 |
| Pretax return on assets | -0.0152% | 6,462 |
| Return on Equity (ROE) | -0.0689% | 6,465 |
| Retained earnings to average equity (ytd only) | -0.0689% | 6,052 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0769% | 556 |
| Assets per employee ($millions) | 5.4423% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 4,472 |
| Loan loss allowance to noncurrent loans | 106.3014% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 5,795 |
| Noncurrent loans to loans | 1.3162% | 3,949 |
| Net loans and leases to total assets | 29.5539% | 6,884 |
| Net loans and leases to deposits | 35.8160% | 6,880 |
| Net loans and leases to core deposits | 38.7311% | 6,845 |
| Total domestic deposits to total assets | 82.5160% | 4,945 |
| Equity capital to assets | 15.6692% | 649 |
| Core capital (leverage) ratio | 15.6980% | 497 |
| Tier 1 risk-based capital ratio | 46.7575% | 152 |
| Total risk-based capital ratio | 48.0013% | 152 |
| Memoranda: | ||
| Average total assets | $92,383,670 | 5,103 |
| Average earning assets | $88,559,330 | 4,980 |
| Average equity | $14,503,330 | 4,089 |
| Average total loans | $26,899,000 | 6,214 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6753% | 6,480 |
| Cost of funding earning assets | 0.8363% | 3,178 |
| Net interest margin | 2.8390% | 6,573 |
| Noninterest income to average assets | 0.0780% | 6,834 |
| Noninterest expense to average assets | 2.8034% | 4,020 |
| Loan and lease loss provision to assets | 0.0130% | 5,146 |
| Net operating income to assets | -0.0130% | 6,440 |
| Return on assets (ROA) | -0.0130% | 6,547 |
| Pretax return on assets | -0.0173% | 6,550 |
| Return on Equity (ROE) | -0.0827% | 6,540 |
| Retained earnings to average equity (ytd only) | -0.0827% | 5,999 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1548% | 550 |
| Assets per employee ($millions) | 5.4388% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 4,472 |
| Loan loss allowance to noncurrent loans | 105.4795% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 5,881 |
| Noncurrent loans to loans | 1.3555% | 4,084 |
| Net loans and leases to total assets | 28.7079% | 6,953 |
| Net loans and leases to deposits | 34.7845% | 6,927 |
| Net loans and leases to core deposits | 37.7213% | 6,889 |
| Total domestic deposits to total assets | 82.5306% | 5,113 |
| Equity capital to assets | 15.6815% | 623 |
| Core capital (leverage) ratio | 15.8748% | 482 |
| Tier 1 risk-based capital ratio | 47.8436% | 136 |
| Total risk-based capital ratio | 49.0932% | 136 |
| Memoranda: | ||
| Average total assets | $92,316,000 | 5,143 |
| Average earning assets | $88,482,500 | 5,010 |
| Average equity | $14,506,500 | 4,095 |
| Average total loans | $26,483,000 | 6,279 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 6,187 |
| Cost of funding earning assets | 0.9268% | 3,910 |
| Net interest margin | 3.2206% | 6,032 |
| Noninterest income to average assets | 0.0823% | 6,708 |
| Noninterest expense to average assets | 2.7626% | 4,499 |
| Loan and lease loss provision to assets | 0.0130% | 6,376 |
| Net operating income to assets | 0.1061% | 5,852 |
| Return on assets (ROA) | 0.1061% | 5,971 |
| Pretax return on assets | 0.3875% | 5,331 |
| Return on Equity (ROE) | 0.6767% | 6,026 |
| Retained earnings to average equity (ytd only) | 0.6767% | 5,532 |
| Net charge-offs to loans | 0.1545% | 4,904 |
| Credit loss provision to net charge-offs | 27.2727% | 5,824 |
| Earnings coverage of net charge-offs (x) | 8.4091% | 2,154 |
| Efficiency ratio | 87.3374% | 1,412 |
| Assets per employee ($millions) | 5.4219% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 4,161 |
| Loan loss allowance to noncurrent loans | 105.2342% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 5,988 |
| Noncurrent loans to loans | 1.3941% | 4,053 |
| Net loans and leases to total assets | 27.8346% | 7,065 |
| Net loans and leases to deposits | 33.7663% | 7,051 |
| Net loans and leases to core deposits | 36.5028% | 7,029 |
| Total domestic deposits to total assets | 82.4330% | 4,988 |
| Equity capital to assets | 15.7465% | 622 |
| Core capital (leverage) ratio | 15.8792% | 476 |
| Tier 1 risk-based capital ratio | 48.2683% | 144 |
| Total risk-based capital ratio | 49.5187% | 143 |
| Memoranda: | ||
| Average total assets | $92,377,600 | 5,118 |
| Average earning assets | $88,368,000 | 4,985 |
| Average equity | $14,481,400 | 4,013 |
| Average total loans | $28,486,000 | 6,221 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 6,189 |
| Cost of funding earning assets | 0.9459% | 4,073 |
| Net interest margin | 3.2616% | 5,981 |
| Noninterest income to average assets | 0.0837% | 6,825 |
| Noninterest expense to average assets | 2.8129% | 4,293 |
| Loan and lease loss provision to assets | 0.0130% | 6,270 |
| Net operating income to assets | 0.2337% | 5,612 |
| Return on assets (ROA) | 0.2337% | 5,747 |
| Pretax return on assets | 0.3765% | 5,537 |
| Return on Equity (ROE) | 1.4923% | 5,941 |
| Retained earnings to average equity (ytd only) | 1.4923% | 5,390 |
| Net charge-offs to loans | 0.2016% | 4,190 |
| Credit loss provision to net charge-offs | 20.4545% | 5,550 |
| Earnings coverage of net charge-offs (x) | 6.1358% | 2,612 |
| Efficiency ratio | 87.8378% | 1,358 |
| Assets per employee ($millions) | 5.1083% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 4,424 |
| Loan loss allowance to noncurrent loans | 109.5376% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 6,136 |
| Noncurrent loans to loans | 1.3051% | 4,357 |
| Net loans and leases to total assets | 28.4209% | 7,136 |
| Net loans and leases to deposits | 34.0757% | 7,129 |
| Net loans and leases to core deposits | 36.6486% | 7,103 |
| Total domestic deposits to total assets | 83.4051% | 4,520 |
| Equity capital to assets | 15.8543% | 657 |
| Core capital (leverage) ratio | 15.6876% | 550 |
| Tier 1 risk-based capital ratio | 47.8866% | 160 |
| Total risk-based capital ratio | 49.1342% | 160 |
| Memoranda: | ||
| Average total assets | $92,428,750 | 5,157 |
| Average earning assets | $88,378,750 | 5,012 |
| Average equity | $14,473,250 | 4,040 |
| Average total loans | $29,098,000 | 6,258 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 6,106 |
| Cost of funding earning assets | 0.9497% | 4,320 |
| Net interest margin | 3.3216% | 5,799 |
| Noninterest income to average assets | 0.0799% | 6,926 |
| Noninterest expense to average assets | 2.7520% | 4,623 |
| Loan and lease loss provision to assets | 0.0130% | 6,115 |
| Net operating income to assets | 0.2895% | 5,413 |
| Return on assets (ROA) | 0.2895% | 5,551 |
| Pretax return on assets | 0.4882% | 5,107 |
| Return on Equity (ROE) | 1.8562% | 5,843 |
| Retained earnings to average equity (ytd only) | 1.8562% | 5,056 |
| Net charge-offs to loans | 0.2937% | 3,406 |
| Credit loss provision to net charge-offs | 13.6364% | 5,209 |
| Earnings coverage of net charge-offs (x) | 5.2727% | 2,649 |
| Efficiency ratio | 84.5950% | 1,752 |
| Assets per employee ($millions) | 5.1653% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 4,899 |
| Loan loss allowance to noncurrent loans | 108.6705% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3721% | 6,201 |
| Noncurrent loans to loans | 1.2280% | 4,609 |
| Net loans and leases to total assets | 29.9013% | 7,184 |
| Net loans and leases to deposits | 36.2228% | 7,169 |
| Net loans and leases to core deposits | 38.9255% | 7,145 |
| Total domestic deposits to total assets | 82.5482% | 4,970 |
| Equity capital to assets | 15.6492% | 665 |
| Core capital (leverage) ratio | 15.6904% | 543 |
| Tier 1 risk-based capital ratio | 46.1918% | 169 |
| Total risk-based capital ratio | 47.3880% | 167 |
| Memoranda: | ||
| Average total assets | $92,588,330 | 5,186 |
| Average earning assets | $88,450,330 | 5,042 |
| Average equity | $14,438,330 | 4,027 |
| Average total loans | $29,960,000 | 6,273 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 5,837 |
| Cost of funding earning assets | 0.9649% | 4,461 |
| Net interest margin | 3.3886% | 5,471 |
| Noninterest income to average assets | 0.0823% | 6,990 |
| Noninterest expense to average assets | 2.7318% | 4,714 |
| Loan and lease loss provision to assets | 0.0130% | 5,752 |
| Net operating income to assets | 0.3420% | 5,211 |
| Return on assets (ROA) | 0.3420% | 5,291 |
| Pretax return on assets | 0.5758% | 4,781 |
| Return on Equity (ROE) | 2.1971% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.1971% | 4,828 |
| Net charge-offs to loans | 0.5705% | 2,060 |
| Credit loss provision to net charge-offs | 6.8182% | 4,413 |
| Earnings coverage of net charge-offs (x) | 3.0909% | 2,856 |
| Efficiency ratio | 82.2686% | 2,185 |
| Assets per employee ($millions) | 5.1588% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 5,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 32.5084% | 7,147 |
| Net loans and leases to deposits | 39.3696% | 7,124 |
| Net loans and leases to core deposits | 42.2740% | 7,100 |
| Total domestic deposits to total assets | 82.5725% | 5,078 |
| Equity capital to assets | 15.5311% | 657 |
| Core capital (leverage) ratio | 15.8650% | 527 |
| Tier 1 risk-based capital ratio | 45.0299% | 175 |
| Total risk-based capital ratio | 46.1807% | 172 |
| Memoranda: | ||
| Average total assets | $92,394,500 | 5,224 |
| Average earning assets | $88,296,000 | 5,084 |
| Average equity | $14,382,500 | 4,029 |
| Average total loans | $30,851,500 | 6,297 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 6,436 |
| Cost of funding earning assets | 1.1673% | 4,753 |
| Net interest margin | 3.3171% | 5,924 |
| Noninterest income to average assets | 0.0932% | 6,928 |
| Noninterest expense to average assets | 2.8357% | 4,453 |
| Loan and lease loss provision to assets | 0.0130% | 6,964 |
| Net operating income to assets | 0.2492% | 5,109 |
| Return on assets (ROA) | 0.2492% | 5,265 |
| Pretax return on assets | 0.4161% | 4,894 |
| Return on Equity (ROE) | 1.6161% | 5,520 |
| Retained earnings to average equity (ytd only) | 1.6161% | 4,712 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8570% | 1,584 |
| Assets per employee ($millions) | 4.8384% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 4,855 |
| Loan loss allowance to noncurrent loans | 920.0000% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 7,111 |
| Noncurrent loans to loans | 0.1445% | 6,786 |
| Net loans and leases to total assets | 33.4265% | 7,246 |
| Net loans and leases to deposits | 39.9836% | 7,253 |
| Net loans and leases to core deposits | 42.6644% | 7,239 |
| Total domestic deposits to total assets | 83.6006% | 4,556 |
| Equity capital to assets | 15.6021% | 659 |
| Core capital (leverage) ratio | 15.5072% | 583 |
| Tier 1 risk-based capital ratio | 44.0884% | 180 |
| Total risk-based capital ratio | 45.3394% | 181 |
| Memoranda: | ||
| Average total assets | $92,287,000 | 5,215 |
| Average earning assets | $88,239,000 | 5,073 |
| Average equity | $14,231,400 | 4,092 |
| Average total loans | $31,159,600 | 6,353 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 6,557 |
| Cost of funding earning assets | 1.2088% | 4,814 |
| Net interest margin | 3.3124% | 5,971 |
| Noninterest income to average assets | 0.0953% | 7,066 |
| Noninterest expense to average assets | 2.7582% | 4,650 |
| Loan and lease loss provision to assets | 0.0130% | 6,904 |
| Net operating income to assets | 0.2944% | 5,187 |
| Return on assets (ROA) | 0.2944% | 5,359 |
| Pretax return on assets | 0.4922% | 4,954 |
| Return on Equity (ROE) | 1.9150% | 5,637 |
| Retained earnings to average equity (ytd only) | 1.9150% | 4,998 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5201% | 1,783 |
| Assets per employee ($millions) | 4.9166% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 5,215 |
| Loan loss allowance to noncurrent loans | 78.1369% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 6,027 |
| Noncurrent loans to loans | 1.6024% | 4,243 |
| Net loans and leases to total assets | 34.6986% | 7,321 |
| Net loans and leases to deposits | 41.3713% | 7,323 |
| Net loans and leases to core deposits | 44.3535% | 7,308 |
| Total domestic deposits to total assets | 83.8711% | 4,200 |
| Equity capital to assets | 15.3261% | 815 |
| Core capital (leverage) ratio | 15.2858% | 664 |
| Tier 1 risk-based capital ratio | 42.6532% | 207 |
| Total risk-based capital ratio | 43.8807% | 205 |
| Memoranda: | ||
| Average total assets | $92,376,250 | 5,278 |
| Average earning assets | $88,351,500 | 5,134 |
| Average equity | $14,203,500 | 4,158 |
| Average total loans | $31,163,750 | 6,431 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 6,423 |
| Cost of funding earning assets | 1.2573% | 4,784 |
| Net interest margin | 3.3558% | 5,816 |
| Noninterest income to average assets | 0.0956% | 7,115 |
| Noninterest expense to average assets | 2.7448% | 4,717 |
| Loan and lease loss provision to assets | 0.0130% | 6,781 |
| Net operating income to assets | 0.3282% | 5,076 |
| Return on assets (ROA) | 0.3282% | 5,236 |
| Pretax return on assets | 0.5455% | 4,758 |
| Return on Equity (ROE) | 2.1319% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.1319% | 4,789 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0921% | 2,029 |
| Assets per employee ($millions) | 5.1928% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 5,368 |
| Loan loss allowance to noncurrent loans | 720.7547% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 7,246 |
| Noncurrent loans to loans | 0.1688% | 6,921 |
| Net loans and leases to total assets | 33.1771% | 7,447 |
| Net loans and leases to deposits | 39.5130% | 7,451 |
| Net loans and leases to core deposits | 42.4686% | 7,442 |
| Total domestic deposits to total assets | 83.9651% | 4,119 |
| Equity capital to assets | 15.2603% | 827 |
| Core capital (leverage) ratio | 15.6179% | 619 |
| Tier 1 risk-based capital ratio | 34.4689% | 366 |
| Total risk-based capital ratio | 35.3809% | 370 |
| Memoranda: | ||
| Average total assets | $92,029,670 | 5,317 |
| Average earning assets | $87,968,330 | 5,176 |
| Average equity | $14,165,670 | 4,159 |
| Average total loans | $30,610,000 | 6,491 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 6,424 |
| Cost of funding earning assets | 1.3209% | 4,683 |
| Net interest margin | 3.3252% | 5,886 |
| Noninterest income to average assets | 0.0920% | 7,251 |
| Noninterest expense to average assets | 2.6722% | 5,047 |
| Loan and lease loss provision to assets | 0.0131% | 6,485 |
| Net operating income to assets | 0.3461% | 5,097 |
| Return on assets (ROA) | 0.3461% | 5,220 |
| Pretax return on assets | 0.5826% | 4,682 |
| Return on Equity (ROE) | 2.2385% | 5,661 |
| Retained earnings to average equity (ytd only) | 2.2385% | 4,789 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7694% | 2,299 |
| Assets per employee ($millions) | 4.8135% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 5,520 |
| Loan loss allowance to noncurrent loans | 701.8519% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 7,340 |
| Noncurrent loans to loans | 0.1706% | 6,994 |
| Net loans and leases to total assets | 34.1887% | 7,491 |
| Net loans and leases to deposits | 40.8396% | 7,495 |
| Net loans and leases to core deposits | 43.7468% | 7,491 |
| Total domestic deposits to total assets | 83.7148% | 4,293 |
| Equity capital to assets | 15.4783% | 771 |
| Core capital (leverage) ratio | 15.6566% | 635 |
| Tier 1 risk-based capital ratio | 37.2798% | 303 |
| Total risk-based capital ratio | 38.2778% | 302 |
| Memoranda: | ||
| Average total assets | $91,309,000 | 5,413 |
| Average earning assets | $87,212,000 | 5,267 |
| Average equity | $14,116,500 | 4,220 |
| Average total loans | $30,218,500 | 6,594 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7617% | 7,024 |
| Cost of funding earning assets | 1.6814% | 4,606 |
| Net interest margin | 3.0803% | 6,432 |
| Noninterest income to average assets | 0.1289% | 7,107 |
| Noninterest expense to average assets | 3.0448% | 3,965 |
| Loan and lease loss provision to assets | 0.0247% | 7,264 |
| Net operating income to assets | 0.0347% | 5,379 |
| Return on assets (ROA) | 0.0347% | 5,431 |
| Pretax return on assets | 0.0056% | 5,432 |
| Return on Equity (ROE) | 0.2204% | 5,464 |
| Retained earnings to average equity (ytd only) | 0.2204% | 4,783 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0160% | 1,152 |
| Assets per employee ($millions) | 5.0645% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 4,720 |
| Loan loss allowance to noncurrent loans | 696.2963% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 7,350 |
| Noncurrent loans to loans | 0.1876% | 6,952 |
| Net loans and leases to total assets | 31.1690% | 7,682 |
| Net loans and leases to deposits | 37.2086% | 7,700 |
| Net loans and leases to core deposits | 46.2069% | 7,663 |
| Total domestic deposits to total assets | 83.7683% | 4,141 |
| Equity capital to assets | 15.4419% | 806 |
| Core capital (leverage) ratio | 15.7312% | 655 |
| Tier 1 risk-based capital ratio | 35.9527% | 322 |
| Total risk-based capital ratio | 36.9129% | 324 |
| Memoranda: | ||
| Average total assets | $89,234,000 | 5,416 |
| Average earning assets | $85,347,600 | 5,286 |
| Average equity | $14,063,200 | 4,234 |
| Average total loans | $29,335,600 | 6,669 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 7,067 |
| Cost of funding earning assets | 1.7592% | 4,596 |
| Net interest margin | 3.0645% | 6,420 |
| Noninterest income to average assets | 0.1397% | 7,177 |
| Noninterest expense to average assets | 3.0121% | 3,998 |
| Loan and lease loss provision to assets | 0.0285% | 7,064 |
| Net operating income to assets | 0.0616% | 5,573 |
| Return on assets (ROA) | 0.0616% | 5,613 |
| Pretax return on assets | 0.0300% | 5,647 |
| Return on Equity (ROE) | 0.3888% | 5,664 |
| Retained earnings to average equity (ytd only) | 0.3888% | 5,033 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0920% | 1,159 |
| Assets per employee ($millions) | 4.9694% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 4,667 |
| Loan loss allowance to noncurrent loans | 362.1359% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 7,263 |
| Noncurrent loans to loans | 0.3515% | 6,652 |
| Net loans and leases to total assets | 32.3454% | 7,737 |
| Net loans and leases to deposits | 38.7915% | 7,763 |
| Net loans and leases to core deposits | 48.4007% | 7,719 |
| Total domestic deposits to total assets | 83.3829% | 4,025 |
| Equity capital to assets | 15.7485% | 842 |
| Core capital (leverage) ratio | 15.8317% | 703 |
| Tier 1 risk-based capital ratio | 36.3196% | 352 |
| Total risk-based capital ratio | 37.2812% | 350 |
| Memoranda: | ||
| Average total assets | $88,752,250 | 5,462 |
| Average earning assets | $84,885,000 | 5,342 |
| Average equity | $14,059,750 | 4,283 |
| Average total loans | $29,472,000 | 6,708 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 7,056 |
| Cost of funding earning assets | 1.8220% | 4,658 |
| Net interest margin | 3.0674% | 6,343 |
| Noninterest income to average assets | 0.1514% | 7,187 |
| Noninterest expense to average assets | 3.0818% | 3,770 |
| Loan and lease loss provision to assets | 0.0362% | 6,880 |
| Net operating income to assets | -0.0045% | 5,850 |
| Return on assets (ROA) | -0.0045% | 5,930 |
| Pretax return on assets | -0.0339% | 5,912 |
| Return on Equity (ROE) | -0.0285% | 5,931 |
| Retained earnings to average equity (ytd only) | -0.0285% | 5,219 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9267% | 1,178 |
| Assets per employee ($millions) | 4.8926% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 4,397 |
| Loan loss allowance to noncurrent loans | 528.5714% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 7,384 |
| Noncurrent loans to loans | 0.2421% | 6,910 |
| Net loans and leases to total assets | 32.4162% | 7,823 |
| Net loans and leases to deposits | 38.9346% | 7,843 |
| Net loans and leases to core deposits | 47.4835% | 7,809 |
| Total domestic deposits to total assets | 83.2582% | 4,120 |
| Equity capital to assets | 15.9469% | 837 |
| Core capital (leverage) ratio | 15.7198% | 784 |
| Tier 1 risk-based capital ratio | 39.0779% | 329 |
| Total risk-based capital ratio | 40.1074% | 325 |
| Memoranda: | ||
| Average total assets | $88,519,670 | 5,511 |
| Average earning assets | $84,632,670 | 5,390 |
| Average equity | $14,050,670 | 4,298 |
| Average total loans | $29,527,330 | 6,761 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1316% | 6,559 |
| Cost of funding earning assets | 1.8300% | 4,974 |
| Net interest margin | 3.3016% | 5,492 |
| Noninterest income to average assets | 0.1532% | 7,207 |
| Noninterest expense to average assets | 3.0289% | 3,638 |
| Loan and lease loss provision to assets | 0.0586% | 6,226 |
| Net operating income to assets | 0.1623% | 5,780 |
| Return on assets (ROA) | 0.1623% | 5,951 |
| Pretax return on assets | 0.2209% | 5,887 |
| Return on Equity (ROE) | 1.0246% | 6,119 |
| Retained earnings to average equity (ytd only) | 1.0246% | 5,233 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5531% | 1,606 |
| Assets per employee ($millions) | 5.2412% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 4,327 |
| Loan loss allowance to noncurrent loans | 516.9014% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 7,355 |
| Noncurrent loans to loans | 0.2442% | 6,837 |
| Net loans and leases to total assets | 32.2211% | 7,861 |
| Net loans and leases to deposits | 40.7295% | 7,821 |
| Net loans and leases to core deposits | 48.5918% | 7,820 |
| Total domestic deposits to total assets | 79.1100% | 5,678 |
| Equity capital to assets | 15.7935% | 911 |
| Core capital (leverage) ratio | 15.7959% | 811 |
| Tier 1 risk-based capital ratio | 37.9510% | 361 |
| Total risk-based capital ratio | 38.9407% | 358 |
| Memoranda: | ||
| Average total assets | $88,746,000 | 5,532 |
| Average earning assets | $84,807,500 | 5,406 |
| Average equity | $14,054,000 | 4,323 |
| Average total loans | $29,832,000 | 6,777 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3245% | 7,573 |
| Cost of funding earning assets | 2.2743% | 5,270 |
| Net interest margin | 3.0501% | 6,790 |
| Noninterest income to average assets | 0.1479% | 7,356 |
| Noninterest expense to average assets | 2.7690% | 4,955 |
| Loan and lease loss provision to assets | 0.0130% | 7,208 |
| Net operating income to assets | 0.1986% | 5,851 |
| Return on assets (ROA) | 0.1986% | 5,668 |
| Pretax return on assets | 0.2818% | 5,545 |
| Return on Equity (ROE) | 1.3142% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.3142% | 4,428 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3805% | 1,486 |
| Assets per employee ($millions) | 4.4196% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 4,867 |
| Loan loss allowance to noncurrent loans | 498.5915% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 7,247 |
| Noncurrent loans to loans | 0.2321% | 6,689 |
| Net loans and leases to total assets | 34.2045% | 7,887 |
| Net loans and leases to deposits | 44.9095% | 7,823 |
| Net loans and leases to core deposits | 52.3805% | 7,835 |
| Total domestic deposits to total assets | 76.1630% | 6,203 |
| Equity capital to assets | 15.8793% | 964 |
| Core capital (leverage) ratio | 15.9229% | 843 |
| Tier 1 risk-based capital ratio | 38.3755% | 366 |
| Total risk-based capital ratio | 39.3433% | 362 |
| Memoranda: | ||
| Average total assets | $92,632,600 | 5,275 |
| Average earning assets | $88,553,600 | 5,129 |
| Average equity | $14,001,200 | 4,340 |
| Average total loans | $32,104,400 | 6,602 |