Home > Hibernia Bank > Performance and Condition Ratios
Hibernia Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0651% | 2,993 |
| Cost of funding earning assets | 3.0336% | 295 |
| Net interest margin | 2.0315% | 4,287 |
| Noninterest income to average assets | 0.0400% | 4,325 |
| Noninterest expense to average assets | 2.1681% | 3,205 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | -0.2839% | 4,276 |
| Return on assets (ROA) | -0.2839% | 4,303 |
| Pretax return on assets | -0.3572% | 4,306 |
| Return on Equity (ROE) | -2.1300% | 4,270 |
| Retained earnings to average equity (ytd only) | -2.1322% | 3,926 |
| 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 | 114.3092% | 149 |
| Assets per employee ($millions) | 9.0840% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 1,480 |
| Loan loss allowance to noncurrent loans | 50.2326% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 2.0279% | 220 |
| Noncurrent loans to loans | 2.6906% | 274 |
| Net loans and leases to total assets | 74.3500% | 1,294 |
| Net loans and leases to deposits | 86.4910% | 1,448 |
| Net loans and leases to core deposits | 97.7874% | 1,513 |
| Total domestic deposits to total assets | 85.9700% | 2,314 |
| Equity capital to assets | 13.3881% | 827 |
| Core capital (leverage) ratio | 11.2192% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $256,442,000 | 2,702 |
| Average earning assets | $233,916,000 | 2,723 |
| Average equity | $34,143,000 | 2,266 |
| Average total loans | $193,242,000 | 2,458 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3016% | 2,524 |
| Cost of funding earning assets | 3.3804% | 238 |
| Net interest margin | 1.9212% | 4,287 |
| Noninterest income to average assets | 0.0400% | 4,385 |
| Noninterest expense to average assets | 2.1341% | 3,296 |
| Loan and lease loss provision to assets | 0.4800% | 217 |
| Net operating income to assets | -0.6443% | 4,366 |
| Return on assets (ROA) | -0.6443% | 4,395 |
| Pretax return on assets | -0.8154% | 4,402 |
| Return on Equity (ROE) | -4.9200% | 4,350 |
| Retained earnings to average equity (ytd only) | -4.9188% | 4,290 |
| Net charge-offs to loans | 0.1334% | 974 |
| Credit loss provision to net charge-offs | 456.4748% | 682 |
| Earnings coverage of net charge-offs (x) | -3.2626% | 4,433 |
| Efficiency ratio | 117.1746% | 140 |
| Assets per employee ($millions) | 9.5752% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 1,666 |
| Loan loss allowance to noncurrent loans | 45.5051% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 2.1556% | 169 |
| Noncurrent loans to loans | 2.8612% | 211 |
| Net loans and leases to total assets | 74.3600% | 1,361 |
| Net loans and leases to deposits | 86.3907% | 1,556 |
| Net loans and leases to core deposits | 98.8558% | 1,526 |
| Total domestic deposits to total assets | 86.0700% | 2,200 |
| Equity capital to assets | 13.2414% | 835 |
| Core capital (leverage) ratio | 11.0373% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $270,047,000 | 2,600 |
| Average earning assets | $246,508,800 | 2,610 |
| Average equity | $35,374,400 | 2,154 |
| Average total loans | $208,403,400 | 2,308 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3532% | 2,364 |
| Cost of funding earning assets | 3.4171% | 229 |
| Net interest margin | 1.9361% | 4,299 |
| Noninterest income to average assets | 0.0500% | 4,386 |
| Noninterest expense to average assets | 2.0816% | 3,374 |
| Loan and lease loss provision to assets | 0.2600% | 417 |
| Net operating income to assets | -0.4011% | 4,368 |
| Return on assets (ROA) | -0.4011% | 4,391 |
| Pretax return on assets | -0.5256% | 4,400 |
| Return on Equity (ROE) | -3.0700% | 4,350 |
| Retained earnings to average equity (ytd only) | -3.0697% | 4,262 |
| Net charge-offs to loans | 0.0315% | 1,694 |
| Credit loss provision to net charge-offs | 1,060.0000% | 386 |
| Earnings coverage of net charge-offs (x) | -10.9000% | 4,500 |
| Efficiency ratio | 112.7018% | 162 |
| Assets per employee ($millions) | 8.8449% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 3,212 |
| Loan loss allowance to noncurrent loans | 37.9925% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 2.2913% | 147 |
| Noncurrent loans to loans | 2.6481% | 252 |
| Net loans and leases to total assets | 75.0900% | 1,241 |
| Net loans and leases to deposits | 87.4214% | 1,492 |
| Net loans and leases to core deposits | 101.3082% | 1,406 |
| Total domestic deposits to total assets | 85.8900% | 1,969 |
| Equity capital to assets | 13.2498% | 898 |
| Core capital (leverage) ratio | 10.9398% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $272,926,000 | 2,576 |
| Average earning assets | $249,288,000 | 2,593 |
| Average equity | $35,659,750 | 2,145 |
| Average total loans | $211,810,250 | 2,283 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3471% | 2,264 |
| Cost of funding earning assets | 3.3351% | 247 |
| Net interest margin | 2.0120% | 4,283 |
| Noninterest income to average assets | 0.0500% | 4,400 |
| Noninterest expense to average assets | 2.0483% | 3,453 |
| Loan and lease loss provision to assets | 0.2000% | 545 |
| Net operating income to assets | -0.2897% | 4,368 |
| Return on assets (ROA) | -0.2897% | 4,394 |
| Pretax return on assets | -0.3645% | 4,394 |
| Return on Equity (ROE) | -2.2300% | 4,351 |
| Retained earnings to average equity (ytd only) | -2.2274% | 4,155 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 106.6154% | 206 |
| Assets per employee ($millions) | 9.0377% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 3,748 |
| Loan loss allowance to noncurrent loans | 30.0412% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 2.1683% | 158 |
| Noncurrent loans to loans | 2.9324% | 194 |
| Net loans and leases to total assets | 73.2900% | 1,500 |
| Net loans and leases to deposits | 86.1659% | 1,643 |
| Net loans and leases to core deposits | 101.2395% | 1,408 |
| Total domestic deposits to total assets | 85.0600% | 2,301 |
| Equity capital to assets | 12.6960% | 955 |
| Core capital (leverage) ratio | 10.8896% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $275,452,333 | 2,567 |
| Average earning assets | $251,987,000 | 2,580 |
| Average equity | $35,827,000 | 2,110 |
| Average total loans | $215,322,333 | 2,250 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2763% | 2,240 |
| Cost of funding earning assets | 3.1984% | 293 |
| Net interest margin | 2.0779% | 4,272 |
| Noninterest income to average assets | 0.0500% | 4,395 |
| Noninterest expense to average assets | 1.9905% | 3,607 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.0352% | 4,314 |
| Return on assets (ROA) | -0.0352% | 4,302 |
| Pretax return on assets | -0.0425% | 4,284 |
| Return on Equity (ROE) | -0.2700% | 4,274 |
| Retained earnings to average equity (ytd only) | -0.2670% | 3,763 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 100.3759% | 287 |
| Assets per employee ($millions) | 8.3016% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7119% | 4,095 |
| Loan loss allowance to noncurrent loans | 63.2979% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.8921% | 674 |
| Noncurrent loans to loans | 1.1247% | 752 |
| Net loans and leases to total assets | 78.7600% | 753 |
| Net loans and leases to deposits | 93.1255% | 938 |
| Net loans and leases to core deposits | 111.3792% | 896 |
| Total domestic deposits to total assets | 84.5700% | 2,552 |
| Equity capital to assets | 13.1201% | 835 |
| Core capital (leverage) ratio | 11.3397% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $273,094,500 | 2,580 |
| Average earning assets | $249,871,500 | 2,595 |
| Average equity | $35,955,500 | 2,098 |
| Average total loans | $219,400,500 | 2,225 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0806% | 1,897 |
| Cost of funding earning assets | 2.4441% | 414 |
| Net interest margin | 2.6365% | 3,921 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.2586% | 2,960 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.1751% | 4,192 |
| Return on assets (ROA) | 0.1751% | 4,209 |
| Pretax return on assets | 0.1985% | 4,199 |
| Return on Equity (ROE) | 1.3000% | 4,231 |
| Retained earnings to average equity (ytd only) | 1.2952% | 3,758 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.9544% | 451 |
| Assets per employee ($millions) | 7.7782% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6975% | 4,129 |
| Loan loss allowance to noncurrent loans | 70.8066% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 638 |
| Noncurrent loans to loans | 0.9851% | 750 |
| Net loans and leases to total assets | 80.7900% | 554 |
| Net loans and leases to deposits | 95.8911% | 797 |
| Net loans and leases to core deposits | 117.4850% | 701 |
| Total domestic deposits to total assets | 84.2600% | 2,547 |
| Equity capital to assets | 13.2121% | 821 |
| Core capital (leverage) ratio | 11.3115% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $264,944,600 | 2,597 |
| Average earning assets | $242,176,800 | 2,613 |
| Average equity | $35,825,600 | 2,020 |
| Average total loans | $215,943,600 | 2,188 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 1,812 |
| Cost of funding earning assets | 2.2229% | 473 |
| Net interest margin | 2.7855% | 3,748 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.3152% | 2,741 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.2275% | 4,203 |
| Return on assets (ROA) | 0.2275% | 4,217 |
| Pretax return on assets | 0.2919% | 4,175 |
| Return on Equity (ROE) | 1.6700% | 4,241 |
| Retained earnings to average equity (ytd only) | 1.6727% | 3,798 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.1468% | 512 |
| Assets per employee ($millions) | 7.4505% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6716% | 4,176 |
| Loan loss allowance to noncurrent loans | 103.2707% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 1,094 |
| Noncurrent loans to loans | 0.6504% | 1,262 |
| Net loans and leases to total assets | 81.8200% | 452 |
| Net loans and leases to deposits | 98.4258% | 588 |
| Net loans and leases to core deposits | 120.1855% | 542 |
| Total domestic deposits to total assets | 83.1300% | 2,989 |
| Equity capital to assets | 13.4002% | 739 |
| Core capital (leverage) ratio | 11.5371% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $263,121,750 | 2,611 |
| Average earning assets | $240,525,500 | 2,631 |
| Average equity | $35,790,000 | 2,020 |
| Average total loans | $214,555,000 | 2,198 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 1,692 |
| Cost of funding earning assets | 1.9656% | 533 |
| Net interest margin | 2.9631% | 3,530 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.3586% | 2,622 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.3320% | 4,111 |
| Return on assets (ROA) | 0.3320% | 4,136 |
| Pretax return on assets | 0.4231% | 4,083 |
| Return on Equity (ROE) | 2.4300% | 4,223 |
| Retained earnings to average equity (ytd only) | 2.4287% | 3,616 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.4681% | 684 |
| Assets per employee ($millions) | 7.7094% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6855% | 4,207 |
| Loan loss allowance to noncurrent loans | 297.5904% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 2,248 |
| Noncurrent loans to loans | 0.2304% | 2,341 |
| Net loans and leases to total assets | 81.9100% | 440 |
| Net loans and leases to deposits | 98.0325% | 603 |
| Net loans and leases to core deposits | 117.5162% | 588 |
| Total domestic deposits to total assets | 83.5500% | 2,923 |
| Equity capital to assets | 13.7083% | 680 |
| Core capital (leverage) ratio | 11.7526% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $261,422,667 | 2,628 |
| Average earning assets | $238,803,667 | 2,643 |
| Average equity | $35,739,333 | 2,031 |
| Average total loans | $212,423,333 | 2,209 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 1,673 |
| Cost of funding earning assets | 1.7383% | 508 |
| Net interest margin | 3.0399% | 3,493 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.3242% | 2,752 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.4413% | 4,018 |
| Return on assets (ROA) | 0.4413% | 3,971 |
| Pretax return on assets | 0.5623% | 3,906 |
| Return on Equity (ROE) | 3.2300% | 4,155 |
| Retained earnings to average equity (ytd only) | 3.2321% | 3,454 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.6617% | 939 |
| Assets per employee ($millions) | 7.9788% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6863% | 4,259 |
| Loan loss allowance to noncurrent loans | 448.4568% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 2,647 |
| Noncurrent loans to loans | 0.1530% | 2,727 |
| Net loans and leases to total assets | 79.8500% | 552 |
| Net loans and leases to deposits | 96.3367% | 630 |
| Net loans and leases to core deposits | 114.9241% | 564 |
| Total domestic deposits to total assets | 82.8900% | 3,323 |
| Equity capital to assets | 13.5933% | 655 |
| Core capital (leverage) ratio | 11.8694% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $261,075,000 | 2,662 |
| Average earning assets | $238,165,500 | 2,684 |
| Average equity | $35,643,000 | 2,056 |
| Average total loans | $210,546,500 | 2,237 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 1,006 |
| Cost of funding earning assets | 0.9060% | 246 |
| Net interest margin | 3.4240% | 2,172 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 2.4455% | 2,284 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.4853% | 4,105 |
| Return on assets (ROA) | 0.4853% | 4,070 |
| Pretax return on assets | 0.6185% | 4,000 |
| Return on Equity (ROE) | 3.3600% | 4,254 |
| Retained earnings to average equity (ytd only) | 3.3624% | 3,605 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.9112% | 1,019 |
| Assets per employee ($millions) | 7.6133% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6872% | 4,224 |
| Loan loss allowance to noncurrent loans | 470.2614% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 2,695 |
| Noncurrent loans to loans | 0.1461% | 2,781 |
| Net loans and leases to total assets | 80.3400% | 555 |
| Net loans and leases to deposits | 97.0410% | 586 |
| Net loans and leases to core deposits | 113.0518% | 513 |
| Total domestic deposits to total assets | 82.7900% | 3,465 |
| Equity capital to assets | 13.7125% | 603 |
| Core capital (leverage) ratio | 11.7273% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $241,704,800 | 2,773 |
| Average earning assets | $219,307,400 | 2,805 |
| Average equity | $34,886,000 | 2,116 |
| Average total loans | $194,138,600 | 2,279 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 983 |
| Cost of funding earning assets | 0.7299% | 225 |
| Net interest margin | 3.4163% | 1,928 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 2.4536% | 2,148 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.4616% | 4,149 |
| Return on assets (ROA) | 0.4616% | 4,094 |
| Pretax return on assets | 0.5723% | 4,033 |
| Return on Equity (ROE) | 3.1600% | 4,277 |
| Retained earnings to average equity (ytd only) | 3.1554% | 3,735 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.7018% | 1,020 |
| Assets per employee ($millions) | 7.4574% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6692% | 4,303 |
| Loan loss allowance to noncurrent loans | 381.1989% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 2,595 |
| Noncurrent loans to loans | 0.1756% | 2,710 |
| Net loans and leases to total assets | 81.9000% | 381 |
| Net loans and leases to deposits | 99.2501% | 396 |
| Net loans and leases to core deposits | 114.1870% | 358 |
| Total domestic deposits to total assets | 82.5200% | 3,754 |
| Equity capital to assets | 13.8540% | 578 |
| Core capital (leverage) ratio | 11.9792% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $237,418,250 | 2,818 |
| Average earning assets | $215,001,500 | 2,846 |
| Average equity | $34,733,750 | 2,151 |
| Average total loans | $190,325,500 | 2,309 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0105% | 922 |
| Cost of funding earning assets | 0.6055% | 261 |
| Net interest margin | 3.4050% | 1,590 |
| Noninterest income to average assets | 0.0457% | 4,640 |
| Noninterest expense to average assets | 2.4530% | 2,073 |
| Loan and lease loss provision to assets | 0.0819% | 1,203 |
| Net operating income to assets | 0.4534% | 3,992 |
| Return on assets (ROA) | 0.4534% | 3,948 |
| Pretax return on assets | 0.5887% | 3,836 |
| Return on Equity (ROE) | 3.0402% | 4,204 |
| Retained earnings to average equity (ytd only) | 3.0402% | 3,430 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1247% | 1,164 |
| Assets per employee ($millions) | 6.8893% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6815% | 4,362 |
| Loan loss allowance to noncurrent loans | 358.9385% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 2,681 |
| Noncurrent loans to loans | 0.1899% | 2,756 |
| Net loans and leases to total assets | 77.6593% | 581 |
| Net loans and leases to deposits | 94.7120% | 487 |
| Net loans and leases to core deposits | 104.6228% | 486 |
| Total domestic deposits to total assets | 81.9952% | 4,001 |
| Equity capital to assets | 14.4589% | 467 |
| Core capital (leverage) ratio | 12.4060% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,040,667 | 2,878 |
| Average earning assets | $209,751,667 | 2,921 |
| Average equity | $34,602,667 | 2,213 |
| Average total loans | $184,082,333 | 2,356 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 940 |
| Cost of funding earning assets | 0.5688% | 317 |
| Net interest margin | 3.3215% | 1,523 |
| Noninterest income to average assets | 0.0369% | 4,690 |
| Noninterest expense to average assets | 2.5178% | 1,843 |
| Loan and lease loss provision to assets | 0.0475% | 1,522 |
| Net operating income to assets | 0.3622% | 4,037 |
| Return on assets (ROA) | 0.3622% | 4,000 |
| Pretax return on assets | 0.4695% | 3,921 |
| Return on Equity (ROE) | 2.3903% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.3903% | 3,437 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4600% | 1,032 |
| Assets per employee ($millions) | 6.8796% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6656% | 4,439 |
| Loan loss allowance to noncurrent loans | 325.4011% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 2,644 |
| Noncurrent loans to loans | 0.2045% | 2,799 |
| Net loans and leases to total assets | 80.0032% | 239 |
| Net loans and leases to deposits | 99.0603% | 197 |
| Net loans and leases to core deposits | 110.0042% | 259 |
| Total domestic deposits to total assets | 80.7621% | 4,221 |
| Equity capital to assets | 15.2194% | 377 |
| Core capital (leverage) ratio | 12.7170% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,498,500 | 2,914 |
| Average earning assets | $205,332,000 | 2,962 |
| Average equity | $34,472,000 | 2,272 |
| Average total loans | $181,853,000 | 2,364 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 1,128 |
| Cost of funding earning assets | 0.7406% | 269 |
| Net interest margin | 3.3767% | 2,096 |
| Noninterest income to average assets | 0.0458% | 4,734 |
| Noninterest expense to average assets | 2.5651% | 1,973 |
| Loan and lease loss provision to assets | 0.1003% | 1,245 |
| Net operating income to assets | 0.3340% | 4,379 |
| Return on assets (ROA) | 0.3340% | 4,399 |
| Pretax return on assets | 0.4320% | 4,356 |
| Return on Equity (ROE) | 2.1463% | 4,486 |
| Retained earnings to average equity (ytd only) | 2.1463% | 3,943 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9348% | 749 |
| Assets per employee ($millions) | 6.1614% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6580% | 4,484 |
| Loan loss allowance to noncurrent loans | 308.2902% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 2,748 |
| Noncurrent loans to loans | 0.2134% | 2,890 |
| Net loans and leases to total assets | 78.8131% | 330 |
| Net loans and leases to deposits | 97.2225% | 273 |
| Net loans and leases to core deposits | 107.2266% | 344 |
| Total domestic deposits to total assets | 81.0647% | 4,100 |
| Equity capital to assets | 15.0861% | 485 |
| Core capital (leverage) ratio | 12.5726% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,277,000 | 2,921 |
| Average earning assets | $197,263,600 | 2,976 |
| Average equity | $33,965,400 | 2,333 |
| Average total loans | $174,211,400 | 2,427 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0651% | 1,387 |
| Cost of funding earning assets | 0.7790% | 267 |
| Net interest margin | 3.2861% | 2,458 |
| Noninterest income to average assets | 0.0476% | 4,806 |
| Noninterest expense to average assets | 2.6320% | 1,748 |
| Loan and lease loss provision to assets | 0.1005% | 1,196 |
| Net operating income to assets | 0.2199% | 4,609 |
| Return on assets (ROA) | 0.2199% | 4,632 |
| Pretax return on assets | 0.2854% | 4,601 |
| Return on Equity (ROE) | 1.4019% | 4,651 |
| Retained earnings to average equity (ytd only) | 1.4019% | 4,324 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1412% | 468 |
| Assets per employee ($millions) | 6.4291% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6245% | 4,608 |
| Loan loss allowance to noncurrent loans | 281.3896% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 2,920 |
| Noncurrent loans to loans | 0.2219% | 3,061 |
| Net loans and leases to total assets | 80.1991% | 276 |
| Net loans and leases to deposits | 100.7217% | 210 |
| Net loans and leases to core deposits | 110.5933% | 312 |
| Total domestic deposits to total assets | 79.6245% | 4,280 |
| Equity capital to assets | 15.1235% | 521 |
| Core capital (leverage) ratio | 12.9228% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,853,500 | 2,972 |
| Average earning assets | $195,117,750 | 3,031 |
| Average equity | $33,858,750 | 2,370 |
| Average total loans | $172,549,000 | 2,484 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 1,361 |
| Cost of funding earning assets | 0.8312% | 250 |
| Net interest margin | 3.2603% | 2,583 |
| Noninterest income to average assets | 0.0338% | 4,862 |
| Noninterest expense to average assets | 2.6936% | 1,602 |
| Loan and lease loss provision to assets | 0.0404% | 2,196 |
| Net operating income to assets | 0.1899% | 4,645 |
| Return on assets (ROA) | 0.1899% | 4,659 |
| Pretax return on assets | 0.2453% | 4,641 |
| Return on Equity (ROE) | 1.1952% | 4,680 |
| Retained earnings to average equity (ytd only) | 1.1952% | 4,300 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0126% | 398 |
| Assets per employee ($millions) | 6.1220% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5947% | 4,663 |
| Loan loss allowance to noncurrent loans | 241.4286% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 2,974 |
| Noncurrent loans to loans | 0.2463% | 3,064 |
| Net loans and leases to total assets | 79.1039% | 370 |
| Net loans and leases to deposits | 97.2622% | 342 |
| Net loans and leases to core deposits | 106.8654% | 443 |
| Total domestic deposits to total assets | 81.3306% | 4,039 |
| Equity capital to assets | 15.8151% | 431 |
| Core capital (leverage) ratio | 13.3452% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,798,000 | 2,997 |
| Average earning assets | $192,249,667 | 3,045 |
| Average equity | $33,801,333 | 2,365 |
| Average total loans | $169,532,667 | 2,514 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 1,407 |
| Cost of funding earning assets | 0.8756% | 253 |
| Net interest margin | 3.2166% | 2,643 |
| Noninterest income to average assets | 0.0358% | 4,878 |
| Noninterest expense to average assets | 2.6954% | 1,630 |
| Loan and lease loss provision to assets | 0.0302% | 2,388 |
| Net operating income to assets | 0.1698% | 4,659 |
| Return on assets (ROA) | 0.1698% | 4,680 |
| Pretax return on assets | 0.2207% | 4,667 |
| Return on Equity (ROE) | 1.0664% | 4,703 |
| Retained earnings to average equity (ytd only) | 1.0664% | 4,200 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0525% | 410 |
| Assets per employee ($millions) | 6.0254% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5851% | 4,695 |
| Loan loss allowance to noncurrent loans | 225.3425% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 3,113 |
| Noncurrent loans to loans | 0.2597% | 3,180 |
| Net loans and leases to total assets | 79.5191% | 360 |
| Net loans and leases to deposits | 98.0071% | 344 |
| Net loans and leases to core deposits | 109.2489% | 435 |
| Total domestic deposits to total assets | 81.1360% | 4,045 |
| Equity capital to assets | 16.0250% | 388 |
| Core capital (leverage) ratio | 13.1843% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,062,000 | 2,995 |
| Average earning assets | $191,879,000 | 3,044 |
| Average equity | $33,758,500 | 2,363 |
| Average total loans | $169,044,000 | 2,521 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6214% | 1,061 |
| Cost of funding earning assets | 1.2454% | 227 |
| Net interest margin | 3.3760% | 2,848 |
| Noninterest income to average assets | 0.0241% | 4,911 |
| Noninterest expense to average assets | 2.6651% | 2,343 |
| Loan and lease loss provision to assets | 0.1776% | 2,171 |
| Net operating income to assets | 0.1866% | 4,588 |
| Return on assets (ROA) | 0.2443% | 4,574 |
| Pretax return on assets | 0.2959% | 4,549 |
| Return on Equity (ROE) | 1.5107% | 4,622 |
| Retained earnings to average equity (ytd only) | 1.5107% | 4,027 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8943% | 643 |
| Assets per employee ($millions) | 6.0924% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5732% | 4,734 |
| Loan loss allowance to noncurrent loans | 190.3922% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 3,096 |
| Noncurrent loans to loans | 0.3011% | 3,116 |
| Net loans and leases to total assets | 78.9894% | 504 |
| Net loans and leases to deposits | 98.7720% | 423 |
| Net loans and leases to core deposits | 109.6348% | 520 |
| Total domestic deposits to total assets | 79.9714% | 4,048 |
| Equity capital to assets | 15.8145% | 452 |
| Core capital (leverage) ratio | 13.3302% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0647% | 655 |
| Memoranda: | ||
| Average total assets | $207,160,000 | 2,884 |
| Average earning assets | $186,846,200 | 2,937 |
| Average equity | $33,494,400 | 2,315 |
| Average total loans | $164,900,600 | 2,529 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6643% | 1,148 |
| Cost of funding earning assets | 1.3425% | 197 |
| Net interest margin | 3.3218% | 3,123 |
| Noninterest income to average assets | 0.0207% | 4,952 |
| Noninterest expense to average assets | 2.6285% | 2,453 |
| Loan and lease loss provision to assets | 0.1931% | 2,047 |
| Net operating income to assets | 0.1459% | 4,654 |
| Return on assets (ROA) | 0.2023% | 4,633 |
| Pretax return on assets | 0.2639% | 4,591 |
| Return on Equity (ROE) | 1.2441% | 4,667 |
| Retained earnings to average equity (ytd only) | 1.2441% | 4,167 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9966% | 600 |
| Assets per employee ($millions) | 5.9037% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5480% | 4,776 |
| Loan loss allowance to noncurrent loans | 192.9336% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 3,320 |
| Noncurrent loans to loans | 0.2840% | 3,269 |
| Net loans and leases to total assets | 79.1346% | 694 |
| Net loans and leases to deposits | 99.7146% | 545 |
| Net loans and leases to core deposits | 111.4219% | 653 |
| Total domestic deposits to total assets | 79.3611% | 3,990 |
| Equity capital to assets | 16.2518% | 437 |
| Core capital (leverage) ratio | 13.4629% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4109% | 629 |
| Memoranda: | ||
| Average total assets | $205,641,250 | 2,877 |
| Average earning assets | $185,318,750 | 2,933 |
| Average equity | $33,437,500 | 2,307 |
| Average total loans | $163,774,750 | 2,546 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7540% | 1,272 |
| Cost of funding earning assets | 1.4480% | 190 |
| Net interest margin | 3.3059% | 3,369 |
| Noninterest income to average assets | 0.0146% | 4,984 |
| Noninterest expense to average assets | 2.6194% | 2,597 |
| Loan and lease loss provision to assets | 0.2396% | 1,758 |
| Net operating income to assets | 0.0956% | 4,694 |
| Return on assets (ROA) | 0.1802% | 4,641 |
| Pretax return on assets | 0.2406% | 4,595 |
| Return on Equity (ROE) | 1.1081% | 4,673 |
| Retained earnings to average equity (ytd only) | 1.1081% | 4,075 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9193% | 644 |
| Assets per employee ($millions) | 6.2887% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5130% | 4,820 |
| Loan loss allowance to noncurrent loans | 132.6563% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 3,078 |
| Noncurrent loans to loans | 0.3867% | 3,021 |
| Net loans and leases to total assets | 79.3448% | 680 |
| Net loans and leases to deposits | 100.1539% | 540 |
| Net loans and leases to core deposits | 113.3194% | 621 |
| Total domestic deposits to total assets | 79.2228% | 3,993 |
| Equity capital to assets | 16.1252% | 458 |
| Core capital (leverage) ratio | 13.1835% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0213% | 671 |
| Memoranda: | ||
| Average total assets | $205,312,000 | 2,859 |
| Average earning assets | $184,940,333 | 2,913 |
| Average equity | $33,389,667 | 2,299 |
| Average total loans | $163,561,000 | 2,536 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9133% | 1,161 |
| Cost of funding earning assets | 1.5821% | 205 |
| Net interest margin | 3.3312% | 3,511 |
| Noninterest income to average assets | 0.0039% | 5,051 |
| Noninterest expense to average assets | 2.7306% | 2,632 |
| Loan and lease loss provision to assets | 0.1136% | 2,261 |
| Net operating income to assets | 0.1158% | 4,641 |
| Return on assets (ROA) | 0.2860% | 4,396 |
| Pretax return on assets | 0.3820% | 4,325 |
| Return on Equity (ROE) | 1.7510% | 4,501 |
| Retained earnings to average equity (ytd only) | 1.7510% | 3,532 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0527% | 630 |
| Assets per employee ($millions) | 6.0396% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4013% | 4,946 |
| Loan loss allowance to noncurrent loans | 106.4412% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3024% | 3,242 |
| Noncurrent loans to loans | 0.3770% | 3,132 |
| Net loans and leases to total assets | 79.8944% | 709 |
| Net loans and leases to deposits | 101.0726% | 489 |
| Net loans and leases to core deposits | 113.5057% | 685 |
| Total domestic deposits to total assets | 79.0466% | 4,042 |
| Equity capital to assets | 16.2735% | 535 |
| Core capital (leverage) ratio | 13.2702% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1776% | 727 |
| Memoranda: | ||
| Average total assets | $204,205,000 | 2,835 |
| Average earning assets | $184,316,000 | 2,879 |
| Average equity | $33,352,500 | 2,282 |
| Average total loans | $162,586,500 | 2,521 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9905% | 1,508 |
| Cost of funding earning assets | 1.6163% | 279 |
| Net interest margin | 3.3743% | 3,813 |
| Noninterest income to average assets | 0.0326% | 5,073 |
| Noninterest expense to average assets | 2.7645% | 2,708 |
| Loan and lease loss provision to assets | 0.0921% | 2,189 |
| Net operating income to assets | 0.1583% | 4,877 |
| Return on assets (ROA) | 0.1583% | 4,898 |
| Pretax return on assets | 0.2048% | 4,882 |
| Return on Equity (ROE) | 0.9546% | 4,918 |
| Retained earnings to average equity (ytd only) | 0.9546% | 4,396 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8008% | 550 |
| Assets per employee ($millions) | 5.9725% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3758% | 4,999 |
| Loan loss allowance to noncurrent loans | 94.6625% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 3,166 |
| Noncurrent loans to loans | 0.3970% | 3,018 |
| Net loans and leases to total assets | 78.7185% | 976 |
| Net loans and leases to deposits | 97.8963% | 769 |
| Net loans and leases to core deposits | 108.8667% | 921 |
| Total domestic deposits to total assets | 80.4101% | 3,896 |
| Equity capital to assets | 16.3929% | 542 |
| Core capital (leverage) ratio | 13.4009% | 1,081 |
| Tier 1 risk-based capital ratio | 20.8510% | 1,192 |
| Total risk-based capital ratio | 21.3291% | 1,288 |
| Memoranda: | ||
| Average total assets | $199,676,200 | 2,844 |
| Average earning assets | $179,239,400 | 2,892 |
| Average equity | $33,102,800 | 2,234 |
| Average total loans | $155,631,600 | 2,563 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0441% | 1,434 |
| Cost of funding earning assets | 1.6055% | 289 |
| Net interest margin | 3.4385% | 3,762 |
| Noninterest income to average assets | 0.0349% | 5,141 |
| Noninterest expense to average assets | 2.7956% | 2,570 |
| Loan and lease loss provision to assets | 0.1086% | 1,790 |
| Net operating income to assets | 0.1596% | 4,979 |
| Return on assets (ROA) | 0.1596% | 4,995 |
| Pretax return on assets | 0.2126% | 4,978 |
| Return on Equity (ROE) | 0.9600% | 5,015 |
| Retained earnings to average equity (ytd only) | 0.9600% | 4,574 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9828% | 553 |
| Assets per employee ($millions) | 5.9618% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3728% | 5,080 |
| Loan loss allowance to noncurrent loans | 88.8379% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 3,257 |
| Noncurrent loans to loans | 0.4196% | 3,043 |
| Net loans and leases to total assets | 76.6050% | 1,374 |
| Net loans and leases to deposits | 96.6808% | 929 |
| Net loans and leases to core deposits | 107.4751% | 1,085 |
| Total domestic deposits to total assets | 79.2349% | 4,136 |
| Equity capital to assets | 16.3951% | 572 |
| Core capital (leverage) ratio | 13.2111% | 1,251 |
| Tier 1 risk-based capital ratio | 22.0305% | 1,069 |
| Total risk-based capital ratio | 22.5206% | 1,138 |
| Memoranda: | ||
| Average total assets | $198,829,250 | 2,873 |
| Average earning assets | $178,212,000 | 2,927 |
| Average equity | $33,056,500 | 2,251 |
| Average total loans | $154,426,500 | 2,602 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0307% | 1,399 |
| Cost of funding earning assets | 1.5324% | 343 |
| Net interest margin | 3.4983% | 3,601 |
| Noninterest income to average assets | 0.0334% | 5,199 |
| Noninterest expense to average assets | 2.8177% | 2,525 |
| Loan and lease loss provision to assets | 0.1012% | 1,850 |
| Net operating income to assets | 0.1792% | 5,015 |
| Return on assets (ROA) | 0.1792% | 5,022 |
| Pretax return on assets | 0.2440% | 4,985 |
| Return on Equity (ROE) | 1.0728% | 5,040 |
| Retained earnings to average equity (ytd only) | 1.0728% | 4,414 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8348% | 662 |
| Assets per employee ($millions) | 5.7638% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3332% | 5,153 |
| Loan loss allowance to noncurrent loans | 77.4627% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 3,207 |
| Noncurrent loans to loans | 0.4301% | 2,989 |
| Net loans and leases to total assets | 76.9661% | 1,396 |
| Net loans and leases to deposits | 100.7769% | 623 |
| Net loans and leases to core deposits | 110.6033% | 943 |
| Total domestic deposits to total assets | 76.3727% | 4,627 |
| Equity capital to assets | 16.4391% | 544 |
| Core capital (leverage) ratio | 13.4991% | 1,119 |
| Tier 1 risk-based capital ratio | 22.3151% | 1,022 |
| Total risk-based capital ratio | 22.7598% | 1,096 |
| Memoranda: | ||
| Average total assets | $197,538,670 | 2,893 |
| Average earning assets | $176,714,000 | 2,952 |
| Average equity | $32,997,670 | 2,246 |
| Average total loans | $153,948,670 | 2,619 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 1,435 |
| Cost of funding earning assets | 1.3961% | 466 |
| Net interest margin | 3.5658% | 3,380 |
| Noninterest income to average assets | 0.0327% | 5,256 |
| Noninterest expense to average assets | 2.8182% | 2,507 |
| Loan and lease loss provision to assets | 0.0962% | 1,823 |
| Net operating income to assets | 0.2251% | 4,993 |
| Return on assets (ROA) | 0.2251% | 4,998 |
| Pretax return on assets | 0.3070% | 4,954 |
| Return on Equity (ROE) | 1.3368% | 5,047 |
| Retained earnings to average equity (ytd only) | 1.3368% | 4,246 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2745% | 847 |
| Assets per employee ($millions) | 5.4678% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3011% | 5,244 |
| Loan loss allowance to noncurrent loans | 36.5204% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 2,152 |
| Noncurrent loans to loans | 0.8245% | 1,997 |
| Net loans and leases to total assets | 78.3885% | 1,090 |
| Net loans and leases to deposits | 105.7342% | 327 |
| Net loans and leases to core deposits | 115.1441% | 678 |
| Total domestic deposits to total assets | 74.1374% | 4,921 |
| Equity capital to assets | 16.7730% | 475 |
| Core capital (leverage) ratio | 13.9415% | 971 |
| Tier 1 risk-based capital ratio | 22.7100% | 970 |
| Total risk-based capital ratio | 23.1190% | 1,040 |
| Memoranda: | ||
| Average total assets | $195,441,500 | 2,948 |
| Average earning assets | $174,773,000 | 3,002 |
| Average equity | $32,915,000 | 2,257 |
| Average total loans | $153,030,500 | 2,659 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 661 |
| Cost of funding earning assets | 1.2782% | 244 |
| Net interest margin | 3.9558% | 2,141 |
| Noninterest income to average assets | 2.8062% | 166 |
| Noninterest expense to average assets | 4.0163% | 521 |
| Loan and lease loss provision to assets | 0.0277% | 3,621 |
| Net operating income to assets | 1.6546% | 763 |
| Return on assets (ROA) | 0.9108% | 3,391 |
| Pretax return on assets | 1.2608% | 2,648 |
| Return on Equity (ROE) | 3.8080% | 4,754 |
| Retained earnings to average equity (ytd only) | 3.8080% | 3,479 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2783% | 3,471 |
| Assets per employee ($millions) | 5.7071% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2769% | 5,294 |
| Loan loss allowance to noncurrent loans | 34.2881% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 2,154 |
| Noncurrent loans to loans | 0.8077% | 1,987 |
| Net loans and leases to total assets | 77.7539% | 1,313 |
| Net loans and leases to deposits | 105.5697% | 389 |
| Net loans and leases to core deposits | 115.5394% | 704 |
| Total domestic deposits to total assets | 73.6517% | 4,968 |
| Equity capital to assets | 16.9107% | 423 |
| Core capital (leverage) ratio | 13.4607% | 1,089 |
| Tier 1 risk-based capital ratio | 22.9587% | 927 |
| Total risk-based capital ratio | 23.3329% | 999 |
| Memoranda: | ||
| Average total assets | $129,996,400 | 3,649 |
| Average earning assets | $113,050,200 | 3,758 |
| Average equity | $31,092,200 | 2,277 |
| Average total loans | $92,820,000 | 3,429 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 1,161 |
| Cost of funding earning assets | 1.1964% | 264 |
| Net interest margin | 3.7034% | 3,009 |
| Noninterest income to average assets | 0.0819% | 5,269 |
| Noninterest expense to average assets | 4.1279% | 441 |
| Loan and lease loss provision to assets | 0.0082% | 3,814 |
| Net operating income to assets | -0.7656% | 5,410 |
| Return on assets (ROA) | -1.1650% | 5,425 |
| Pretax return on assets | -1.3218% | 5,424 |
| Return on Equity (ROE) | -4.3310% | 5,384 |
| Retained earnings to average equity (ytd only) | -4.3310% | 5,294 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.3715% | 49 |
| Assets per employee ($millions) | 5.7984% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2537% | 5,381 |
| Loan loss allowance to noncurrent loans | 30.5164% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 2,247 |
| Noncurrent loans to loans | 0.8313% | 2,046 |
| Net loans and leases to total assets | 77.7861% | 1,374 |
| Net loans and leases to deposits | 101.1056% | 697 |
| Net loans and leases to core deposits | 110.4928% | 1,006 |
| Total domestic deposits to total assets | 76.9355% | 4,656 |
| Equity capital to assets | 15.2648% | 668 |
| Core capital (leverage) ratio | 11.5653% | 2,123 |
| Tier 1 risk-based capital ratio | 19.7478% | 1,390 |
| Total risk-based capital ratio | 20.0792% | 1,553 |
| Memoranda: | ||
| Average total assets | $113,984,750 | 3,925 |
| Average earning assets | $98,069,000 | 4,042 |
| Average equity | $30,661,750 | 2,307 |
| Average total loans | $78,201,250 | 3,731 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 3,605 |
| Cost of funding earning assets | 0.9008% | 731 |
| Net interest margin | 3.1516% | 4,615 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 3.9228% | 590 |
| Loan and lease loss provision to assets | -0.0394% | 5,362 |
| Net operating income to assets | -0.9169% | 5,470 |
| Return on assets (ROA) | -1.6739% | 5,497 |
| Pretax return on assets | -2.1770% | 5,504 |
| Return on Equity (ROE) | -4.6806% | 5,435 |
| Retained earnings to average equity (ytd only) | -4.6806% | 5,278 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.9021% | 33 |
| Assets per employee ($millions) | 7.9921% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7033% | 4,938 |
| Loan loss allowance to noncurrent loans | 78.7097% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 2,819 |
| Noncurrent loans to loans | 0.8935% | 1,933 |
| Net loans and leases to total assets | 53.8846% | 4,348 |
| Net loans and leases to deposits | 110.5246% | 267 |
| Net loans and leases to core deposits | 121.9569% | 521 |
| Total domestic deposits to total assets | 48.7535% | 5,494 |
| Equity capital to assets | 31.7543% | 64 |
| Core capital (leverage) ratio | 37.1977% | 53 |
| Tier 1 risk-based capital ratio | 49.3938% | 139 |
| Total risk-based capital ratio | 49.9800% | 143 |
| Memoranda: | ||
| Average total assets | $86,264,000 | 4,407 |
| Average earning assets | $72,598,330 | 4,536 |
| Average equity | $30,851,000 | 2,296 |
| Average total loans | $53,020,670 | 4,326 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 4,181 |
| Cost of funding earning assets | 0.7841% | 1,023 |
| Net interest margin | 3.0273% | 4,840 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 3.1433% | 1,705 |
| Loan and lease loss provision to assets | -0.0589% | 5,472 |
| Net operating income to assets | -0.1130% | 5,425 |
| Return on assets (ROA) | -0.1130% | 5,417 |
| Pretax return on assets | -0.2210% | 5,445 |
| Return on Equity (ROE) | -0.2963% | 5,397 |
| Retained earnings to average equity (ytd only) | -0.2963% | 4,832 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7770% | 105 |
| Assets per employee ($millions) | 6.8173% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7031% | 5,024 |
| Loan loss allowance to noncurrent loans | 69.6060% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 2,373 |
| Noncurrent loans to loans | 1.0101% | 1,806 |
| Net loans and leases to total assets | 64.0487% | 3,298 |
| Net loans and leases to deposits | 116.2853% | 151 |
| Net loans and leases to core deposits | 128.0474% | 376 |
| Total domestic deposits to total assets | 55.0790% | 5,544 |
| Equity capital to assets | 37.6479% | 50 |
| Core capital (leverage) ratio | 39.4704% | 46 |
| Tier 1 risk-based capital ratio | 80.6794% | 54 |
| Total risk-based capital ratio | 81.6284% | 54 |
| Memoranda: | ||
| Average total assets | $81,443,500 | 4,541 |
| Average earning assets | $77,032,000 | 4,510 |
| Average equity | $31,049,500 | 2,301 |
| Average total loans | $53,509,000 | 4,364 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7933% | 4,069 |
| Cost of funding earning assets | 0.7835% | 682 |
| Net interest margin | 3.0098% | 4,863 |
| Noninterest income to average assets | 0.0628% | 5,504 |
| Noninterest expense to average assets | 2.5521% | 3,599 |
| Loan and lease loss provision to assets | 0.1724% | 1,274 |
| Net operating income to assets | 0.2117% | 5,091 |
| Return on assets (ROA) | 0.0037% | 5,354 |
| Pretax return on assets | -0.0086% | 5,441 |
| Return on Equity (ROE) | 0.0096% | 5,358 |
| Retained earnings to average equity (ytd only) | 0.0096% | 5,006 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2842% | 573 |
| Assets per employee ($millions) | 5.7914% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7060% | 5,060 |
| Loan loss allowance to noncurrent loans | 74.0812% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 2,421 |
| Noncurrent loans to loans | 0.9530% | 1,861 |
| Net loans and leases to total assets | 66.4377% | 3,042 |
| Net loans and leases to deposits | 124.3352% | 75 |
| Net loans and leases to core deposits | 133.9842% | 278 |
| Total domestic deposits to total assets | 53.4343% | 5,615 |
| Equity capital to assets | 38.6043% | 47 |
| Core capital (leverage) ratio | 38.8033% | 42 |
| Tier 1 risk-based capital ratio | 80.0765% | 51 |
| Total risk-based capital ratio | 81.0466% | 51 |
| Memoranda: | ||
| Average total assets | $81,228,400 | 4,565 |
| Average earning assets | $77,214,200 | 4,517 |
| Average equity | $31,180,600 | 2,282 |
| Average total loans | $48,244,000 | 4,509 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7607% | 4,140 |
| Cost of funding earning assets | 0.7794% | 652 |
| Net interest margin | 2.9813% | 4,961 |
| Noninterest income to average assets | 0.0000% | 5,683 |
| Noninterest expense to average assets | 2.2641% | 4,388 |
| Loan and lease loss provision to assets | 0.2445% | 708 |
| Net operating income to assets | 0.3281% | 5,164 |
| Return on assets (ROA) | 0.0525% | 5,486 |
| Pretax return on assets | 0.0525% | 5,488 |
| Return on Equity (ROE) | 0.1370% | 5,508 |
| Retained earnings to average equity (ytd only) | 0.1370% | 5,180 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8149% | 1,128 |
| Assets per employee ($millions) | 7.5163% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 5,140 |
| Loan loss allowance to noncurrent loans | 97.5124% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.1635% | 1,420 |
| Noncurrent loans to loans | 0.7171% | 2,566 |
| Net loans and leases to total assets | 67.3339% | 2,943 |
| Net loans and leases to deposits | 127.6331% | 51 |
| Net loans and leases to core deposits | 138.3405% | 221 |
| Total domestic deposits to total assets | 52.7558% | 5,685 |
| Equity capital to assets | 37.9927% | 48 |
| Core capital (leverage) ratio | 38.1398% | 47 |
| Tier 1 risk-based capital ratio | 78.1825% | 53 |
| Total risk-based capital ratio | 79.1526% | 53 |
| Memoranda: | ||
| Average total assets | $81,265,750 | 4,607 |
| Average earning assets | $77,324,500 | 4,559 |
| Average equity | $31,150,750 | 2,294 |
| Average total loans | $46,742,500 | 4,587 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 4,076 |
| Cost of funding earning assets | 0.7732% | 604 |
| Net interest margin | 2.9762% | 4,962 |
| Noninterest income to average assets | 0.0000% | 5,731 |
| Noninterest expense to average assets | 2.0546% | 4,868 |
| Loan and lease loss provision to assets | 0.2277% | 761 |
| Net operating income to assets | 0.5078% | 4,685 |
| Return on assets (ROA) | 0.1436% | 5,456 |
| Pretax return on assets | 0.1609% | 5,458 |
| Return on Equity (ROE) | 0.3734% | 5,533 |
| Retained earnings to average equity (ytd only) | 0.3734% | 5,001 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3627% | 2,283 |
| Assets per employee ($millions) | 8.3709% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6505% | 5,295 |
| Loan loss allowance to noncurrent loans | 42.2980% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 0.9461% | 1,859 |
| Noncurrent loans to loans | 1.5379% | 1,213 |
| Net loans and leases to total assets | 61.1225% | 3,734 |
| Net loans and leases to deposits | 117.4506% | 127 |
| Net loans and leases to core deposits | 126.4207% | 384 |
| Total domestic deposits to total assets | 52.0410% | 5,730 |
| Equity capital to assets | 37.5623% | 44 |
| Core capital (leverage) ratio | 37.7438% | 46 |
| Tier 1 risk-based capital ratio | 90.2314% | 45 |
| Total risk-based capital ratio | 91.1875% | 45 |
| Memoranda: | ||
| Average total assets | $80,794,670 | 4,649 |
| Average earning assets | $77,078,000 | 4,587 |
| Average equity | $31,063,670 | 2,294 |
| Average total loans | $43,635,670 | 4,696 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7973% | 3,768 |
| Cost of funding earning assets | 0.7721% | 572 |
| Net interest margin | 3.0251% | 4,841 |
| Noninterest income to average assets | 0.0000% | 5,808 |
| Noninterest expense to average assets | 2.1517% | 4,749 |
| Loan and lease loss provision to assets | 0.0504% | 2,798 |
| Net operating income to assets | 0.5368% | 4,436 |
| Return on assets (ROA) | 0.0605% | 5,560 |
| Pretax return on assets | -0.0554% | 5,623 |
| Return on Equity (ROE) | 0.1553% | 5,598 |
| Retained earnings to average equity (ytd only) | 0.1553% | 4,881 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6503% | 2,113 |
| Assets per employee ($millions) | 8.3944% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4750% | 5,615 |
| Loan loss allowance to noncurrent loans | 29.7998% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 1.0114% | 1,804 |
| Noncurrent loans to loans | 1.5940% | 1,222 |
| Net loans and leases to total assets | 63.1481% | 3,386 |
| Net loans and leases to deposits | 136.8080% | 23 |
| Net loans and leases to core deposits | 144.4741% | 136 |
| Total domestic deposits to total assets | 46.1582% | 5,808 |
| Equity capital to assets | 36.9997% | 48 |
| Core capital (leverage) ratio | 37.5192% | 49 |
| Tier 1 risk-based capital ratio | 88.0571% | 46 |
| Total risk-based capital ratio | 88.7628% | 46 |
| Memoranda: | ||
| Average total assets | $79,380,000 | 4,725 |
| Average earning assets | $75,633,500 | 4,662 |
| Average equity | $30,916,500 | 2,302 |
| Average total loans | $39,703,500 | 4,861 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8997% | 5,580 |
| Cost of funding earning assets | 0.5557% | 1,635 |
| Net interest margin | 2.3440% | 5,687 |
| Noninterest income to average assets | 0.0000% | 5,853 |
| Noninterest expense to average assets | 2.2465% | 4,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0513% | 5,610 |
| Return on assets (ROA) | 0.0749% | 5,614 |
| Pretax return on assets | 0.0118% | 5,650 |
| Return on Equity (ROE) | 0.1819% | 5,647 |
| Retained earnings to average equity (ytd only) | 0.1819% | 5,244 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5294% | 216 |
| Assets per employee ($millions) | 7.4440% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 4,654 |
| Loan loss allowance to noncurrent loans | 27.0000% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 1.2090% | 1,491 |
| Noncurrent loans to loans | 3.4423% | 355 |
| Net loans and leases to total assets | 34.7958% | 5,528 |
| Net loans and leases to deposits | 65.3414% | 4,303 |
| Net loans and leases to core deposits | 68.9103% | 4,327 |
| Total domestic deposits to total assets | 53.2523% | 5,857 |
| Equity capital to assets | 40.7980% | 46 |
| Core capital (leverage) ratio | 40.9849% | 46 |
| Tier 1 risk-based capital ratio | 129.4291% | 33 |
| Total risk-based capital ratio | 130.4257% | 33 |
| Memoranda: | ||
| Average total assets | $76,073,400 | 4,813 |
| Average earning assets | $72,525,800 | 4,747 |
| Average equity | $31,332,000 | 2,267 |
| Average total loans | $28,438,800 | 5,251 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9665% | 5,596 |
| Cost of funding earning assets | 0.5487% | 1,708 |
| Net interest margin | 2.4178% | 5,707 |
| Noninterest income to average assets | 0.0000% | 5,922 |
| Noninterest expense to average assets | 2.1233% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1630% | 5,531 |
| Return on assets (ROA) | 0.1865% | 5,553 |
| Pretax return on assets | 0.2074% | 5,556 |
| Return on Equity (ROE) | 0.4518% | 5,704 |
| Retained earnings to average equity (ytd only) | 0.4518% | 5,238 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1331% | 460 |
| Assets per employee ($millions) | 7.7929% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 4,925 |
| Loan loss allowance to noncurrent loans | 35.0144% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 0.8906% | 2,332 |
| Noncurrent loans to loans | 2.5186% | 697 |
| Net loans and leases to total assets | 35.0473% | 5,589 |
| Net loans and leases to deposits | 66.3267% | 4,312 |
| Net loans and leases to core deposits | 69.7981% | 4,341 |
| Total domestic deposits to total assets | 52.8404% | 5,926 |
| Equity capital to assets | 40.5626% | 45 |
| Core capital (leverage) ratio | 40.9191% | 44 |
| Tier 1 risk-based capital ratio | 125.3868% | 33 |
| Total risk-based capital ratio | 126.3507% | 34 |
| Memoranda: | ||
| Average total assets | $76,481,750 | 4,835 |
| Average earning assets | $72,900,750 | 4,777 |
| Average equity | $31,572,500 | 2,265 |
| Average total loans | $29,012,250 | 5,276 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9984% | 5,652 |
| Cost of funding earning assets | 0.5437% | 1,752 |
| Net interest margin | 2.4547% | 5,766 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 1.9895% | 5,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2562% | 5,420 |
| Return on assets (ROA) | 0.2842% | 5,445 |
| Pretax return on assets | 0.4026% | 5,337 |
| Return on Equity (ROE) | 0.6844% | 5,730 |
| Retained earnings to average equity (ytd only) | 0.6844% | 5,098 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5638% | 1,001 |
| Assets per employee ($millions) | 7.7400% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 5,147 |
| Loan loss allowance to noncurrent loans | 42.2609% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 2,753 |
| Noncurrent loans to loans | 1.9982% | 995 |
| Net loans and leases to total assets | 36.8643% | 5,565 |
| Net loans and leases to deposits | 66.7876% | 4,283 |
| Net loans and leases to core deposits | 70.5791% | 4,287 |
| Total domestic deposits to total assets | 55.1964% | 5,994 |
| Equity capital to assets | 40.8411% | 45 |
| Core capital (leverage) ratio | 41.9517% | 42 |
| Tier 1 risk-based capital ratio | 125.2417% | 35 |
| Total risk-based capital ratio | 126.2044% | 35 |
| Memoranda: | ||
| Average total assets | $75,999,330 | 4,892 |
| Average earning assets | $72,839,670 | 4,824 |
| Average equity | $31,560,000 | 2,270 |
| Average total loans | $29,498,000 | 5,312 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0361% | 5,661 |
| Cost of funding earning assets | 0.5485% | 1,725 |
| Net interest margin | 2.4876% | 5,814 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 1.9974% | 5,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2773% | 5,362 |
| Return on assets (ROA) | 0.3347% | 5,282 |
| Pretax return on assets | 0.4675% | 5,166 |
| Return on Equity (ROE) | 0.7991% | 5,725 |
| Retained earnings to average equity (ytd only) | 0.7991% | 4,899 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7416% | 1,181 |
| Assets per employee ($millions) | 7.4998% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8155% | 5,324 |
| Loan loss allowance to noncurrent loans | 342.2535% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 5,205 |
| Noncurrent loans to loans | 0.2383% | 4,578 |
| Net loans and leases to total assets | 39.4064% | 5,488 |
| Net loans and leases to deposits | 68.1627% | 4,043 |
| Net loans and leases to core deposits | 72.4150% | 4,037 |
| Total domestic deposits to total assets | 57.8122% | 6,052 |
| Equity capital to assets | 42.0891% | 42 |
| Core capital (leverage) ratio | 41.9906% | 44 |
| Tier 1 risk-based capital ratio | 127.7872% | 35 |
| Total risk-based capital ratio | 128.7709% | 35 |
| Memoranda: | ||
| Average total assets | $75,299,000 | 4,951 |
| Average earning assets | $72,197,000 | 4,871 |
| Average equity | $31,534,500 | 2,270 |
| Average total loans | $29,859,000 | 5,342 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9939% | 5,733 |
| Cost of funding earning assets | 0.5803% | 1,492 |
| Net interest margin | 2.4136% | 5,887 |
| Noninterest income to average assets | 0.0000% | 6,104 |
| Noninterest expense to average assets | 2.1146% | 5,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1342% | 5,708 |
| Return on assets (ROA) | 0.1342% | 5,757 |
| Pretax return on assets | 0.2090% | 5,676 |
| Return on Equity (ROE) | 0.3304% | 5,860 |
| Retained earnings to average equity (ytd only) | 0.3304% | 5,381 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0050% | 631 |
| Assets per employee ($millions) | 7.5600% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 5,379 |
| Loan loss allowance to noncurrent loans | 1,157.1429% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 5,583 |
| Noncurrent loans to loans | 0.0702% | 5,230 |
| Net loans and leases to total assets | 39.2566% | 5,555 |
| Net loans and leases to deposits | 67.3368% | 4,189 |
| Net loans and leases to core deposits | 70.9881% | 4,213 |
| Total domestic deposits to total assets | 58.2989% | 6,105 |
| Equity capital to assets | 41.6706% | 45 |
| Core capital (leverage) ratio | 41.2635% | 45 |
| Tier 1 risk-based capital ratio | 131.8559% | 36 |
| Total risk-based capital ratio | 132.8729% | 36 |
| Memoranda: | ||
| Average total assets | $77,509,600 | 4,918 |
| Average earning assets | $74,618,800 | 4,845 |
| Average equity | $31,474,800 | 2,226 |
| Average total loans | $30,561,400 | 5,338 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9761% | 5,828 |
| Cost of funding earning assets | 0.5860% | 1,492 |
| Net interest margin | 2.3901% | 5,983 |
| Noninterest income to average assets | 0.0000% | 6,192 |
| Noninterest expense to average assets | 2.0105% | 5,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1829% | 5,707 |
| Return on assets (ROA) | 0.1829% | 5,763 |
| Pretax return on assets | 0.2975% | 5,644 |
| Return on Equity (ROE) | 0.4534% | 5,929 |
| Retained earnings to average equity (ytd only) | 0.4534% | 5,491 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1111% | 928 |
| Assets per employee ($millions) | 7.6886% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8036% | 5,506 |
| Loan loss allowance to noncurrent loans | 418.9655% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 5,458 |
| Noncurrent loans to loans | 0.1918% | 4,876 |
| Net loans and leases to total assets | 39.0149% | 5,645 |
| Net loans and leases to deposits | 66.2434% | 4,365 |
| Net loans and leases to core deposits | 69.3075% | 4,439 |
| Total domestic deposits to total assets | 58.8963% | 6,186 |
| Equity capital to assets | 40.9776% | 46 |
| Core capital (leverage) ratio | 40.8209% | 47 |
| Tier 1 risk-based capital ratio | 130.6869% | 38 |
| Total risk-based capital ratio | 131.6949% | 38 |
| Memoranda: | ||
| Average total assets | $77,987,000 | 4,966 |
| Average earning assets | $75,309,750 | 4,884 |
| Average equity | $31,467,750 | 2,242 |
| Average total loans | $30,721,500 | 5,392 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9837% | 5,874 |
| Cost of funding earning assets | 0.5941% | 1,458 |
| Net interest margin | 2.3896% | 6,049 |
| Noninterest income to average assets | 0.0000% | 6,260 |
| Noninterest expense to average assets | 1.8684% | 5,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2782% | 5,507 |
| Return on assets (ROA) | 0.2782% | 5,592 |
| Pretax return on assets | 0.4416% | 5,370 |
| Return on Equity (ROE) | 0.6931% | 5,940 |
| Retained earnings to average equity (ytd only) | 0.6931% | 5,282 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8840% | 1,636 |
| Assets per employee ($millions) | 7.7393% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 5,601 |
| Loan loss allowance to noncurrent loans | 552.2727% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 5,636 |
| Noncurrent loans to loans | 0.1452% | 5,165 |
| Net loans and leases to total assets | 38.8524% | 5,694 |
| Net loans and leases to deposits | 65.6672% | 4,370 |
| Net loans and leases to core deposits | 69.4579% | 4,373 |
| Total domestic deposits to total assets | 59.1656% | 6,255 |
| Equity capital to assets | 40.7117% | 48 |
| Core capital (leverage) ratio | 40.5806% | 47 |
| Tier 1 risk-based capital ratio | 131.1904% | 35 |
| Total risk-based capital ratio | 132.2022% | 34 |
| Memoranda: | ||
| Average total assets | $78,354,000 | 5,010 |
| Average earning assets | $75,745,000 | 4,931 |
| Average equity | $31,455,000 | 2,249 |
| Average total loans | $30,882,000 | 5,438 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0167% | 5,878 |
| Cost of funding earning assets | 0.6033% | 1,410 |
| Net interest margin | 2.4134% | 6,089 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 1.8571% | 5,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2994% | 5,420 |
| Return on assets (ROA) | 0.2994% | 5,521 |
| Pretax return on assets | 0.4769% | 5,242 |
| Return on Equity (ROE) | 0.7509% | 5,952 |
| Retained earnings to average equity (ytd only) | 0.7509% | 5,150 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5652% | 1,949 |
| Assets per employee ($millions) | 7.8202% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 5,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 38.7215% | 5,678 |
| Net loans and leases to deposits | 64.8818% | 4,283 |
| Net loans and leases to core deposits | 68.1759% | 4,310 |
| Total domestic deposits to total assets | 59.6801% | 6,328 |
| Equity capital to assets | 40.2266% | 48 |
| Core capital (leverage) ratio | 39.9573% | 48 |
| Tier 1 risk-based capital ratio | 130.4986% | 40 |
| Total risk-based capital ratio | 131.5067% | 40 |
| Memoranda: | ||
| Average total assets | $78,834,500 | 5,050 |
| Average earning assets | $76,241,000 | 4,967 |
| Average equity | $31,428,500 | 2,261 |
| Average total loans | $31,167,000 | 5,466 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0975% | 5,962 |
| Cost of funding earning assets | 0.6583% | 1,353 |
| Net interest margin | 2.4392% | 6,204 |
| Noninterest income to average assets | 0.0000% | 6,390 |
| Noninterest expense to average assets | 1.9881% | 5,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2450% | 5,672 |
| Return on assets (ROA) | 0.2450% | 5,725 |
| Pretax return on assets | 0.3876% | 5,513 |
| Return on Equity (ROE) | 0.6416% | 6,015 |
| Retained earnings to average equity (ytd only) | 0.6416% | 5,476 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6839% | 1,450 |
| Assets per employee ($millions) | 7.9467% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 5,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 39.7234% | 5,762 |
| Net loans and leases to deposits | 65.6893% | 4,360 |
| Net loans and leases to core deposits | 69.3049% | 4,380 |
| Total domestic deposits to total assets | 60.4716% | 6,401 |
| Equity capital to assets | 39.5120% | 50 |
| Core capital (leverage) ratio | 39.5120% | 50 |
| Tier 1 risk-based capital ratio | 127.8305% | 37 |
| Total risk-based capital ratio | 128.8198% | 37 |
| Memoranda: | ||
| Average total assets | $82,039,800 | 5,011 |
| Average earning assets | $79,904,200 | 4,888 |
| Average equity | $31,326,200 | 2,201 |
| Average total loans | $32,200,800 | 5,478 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0901% | 6,044 |
| Cost of funding earning assets | 0.6667% | 1,342 |
| Net interest margin | 2.4234% | 6,281 |
| Noninterest income to average assets | 0.0000% | 6,477 |
| Noninterest expense to average assets | 1.8996% | 5,950 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3015% | 5,574 |
| Return on assets (ROA) | 0.3015% | 5,649 |
| Pretax return on assets | 0.4628% | 5,423 |
| Return on Equity (ROE) | 0.7964% | 6,059 |
| Retained earnings to average equity (ytd only) | 0.7964% | 5,561 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4096% | 1,855 |
| Assets per employee ($millions) | 8.0741% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7564% | 5,972 |
| Loan loss allowance to noncurrent loans | 261.2903% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 5,702 |
| Noncurrent loans to loans | 0.2895% | 5,044 |
| Net loans and leases to total assets | 39.4855% | 5,845 |
| Net loans and leases to deposits | 64.7028% | 4,460 |
| Net loans and leases to core deposits | 68.1669% | 4,494 |
| Total domestic deposits to total assets | 61.0260% | 6,476 |
| Equity capital to assets | 38.8712% | 49 |
| Core capital (leverage) ratio | 38.8712% | 49 |
| Tier 1 risk-based capital ratio | 126.8645% | 41 |
| Total risk-based capital ratio | 127.8467% | 41 |
| Memoranda: | ||
| Average total assets | $82,683,000 | 5,053 |
| Average earning assets | $80,600,000 | 4,932 |
| Average equity | $31,308,000 | 2,211 |
| Average total loans | $32,298,500 | 5,526 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0832% | 6,081 |
| Cost of funding earning assets | 0.6737% | 1,349 |
| Net interest margin | 2.4095% | 6,348 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 1.7545% | 6,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3936% | 5,248 |
| Return on assets (ROA) | 0.3936% | 5,315 |
| Pretax return on assets | 0.5976% | 4,962 |
| Return on Equity (ROE) | 1.0485% | 6,046 |
| Retained earnings to average equity (ytd only) | 1.0485% | 5,339 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5918% | 2,873 |
| Assets per employee ($millions) | 8.1003% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 6,073 |
| Loan loss allowance to noncurrent loans | 495.9184% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 5,993 |
| Noncurrent loans to loans | 0.1525% | 5,553 |
| Net loans and leases to total assets | 39.3701% | 5,870 |
| Net loans and leases to deposits | 64.2899% | 4,471 |
| Net loans and leases to core deposits | 67.7034% | 4,495 |
| Total domestic deposits to total assets | 61.2385% | 6,545 |
| Equity capital to assets | 38.7171% | 46 |
| Core capital (leverage) ratio | 38.7171% | 46 |
| Tier 1 risk-based capital ratio | 128.7016% | 37 |
| Total risk-based capital ratio | 129.6988% | 37 |
| Memoranda: | ||
| Average total assets | $83,330,330 | 5,071 |
| Average earning assets | $81,344,000 | 4,954 |
| Average equity | $31,282,330 | 2,202 |
| Average total loans | $32,356,670 | 5,558 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1102% | 6,107 |
| Cost of funding earning assets | 0.6890% | 1,308 |
| Net interest margin | 2.4212% | 6,403 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 1.7374% | 6,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4213% | 5,037 |
| Return on assets (ROA) | 0.4213% | 5,107 |
| Pretax return on assets | 0.6249% | 4,744 |
| Return on Equity (ROE) | 1.1395% | 6,006 |
| Retained earnings to average equity (ytd only) | 1.1395% | 5,147 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5471% | 3,222 |
| Assets per employee ($millions) | 8.3019% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7511% | 6,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 38.6791% | 5,895 |
| Net loans and leases to deposits | 62.1848% | 4,524 |
| Net loans and leases to core deposits | 65.3433% | 4,569 |
| Total domestic deposits to total assets | 62.2002% | 6,620 |
| Equity capital to assets | 37.6866% | 53 |
| Core capital (leverage) ratio | 37.6866% | 51 |
| Tier 1 risk-based capital ratio | 126.9971% | 43 |
| Total risk-based capital ratio | 127.9834% | 42 |
| Memoranda: | ||
| Average total assets | $84,494,000 | 5,103 |
| Average earning assets | $82,437,500 | 4,961 |
| Average equity | $31,242,500 | 2,200 |
| Average total loans | $32,468,000 | 5,613 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0525% | 6,288 |
| Cost of funding earning assets | 0.8251% | 1,064 |
| Net interest margin | 2.2275% | 6,563 |
| Noninterest income to average assets | -0.0185% | 6,678 |
| Noninterest expense to average assets | 1.8582% | 6,246 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1837% | 5,868 |
| Return on assets (ROA) | 0.1837% | 5,934 |
| Pretax return on assets | 0.2947% | 5,749 |
| Return on Equity (ROE) | 0.5106% | 6,165 |
| Retained earnings to average equity (ytd only) | 0.5106% | 5,611 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3124% | 1,385 |
| Assets per employee ($millions) | 8.5969% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7458% | 6,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 37.6170% | 6,120 |
| Net loans and leases to deposits | 59.0688% | 5,030 |
| Net loans and leases to core deposits | 62.8980% | 4,980 |
| Total domestic deposits to total assets | 63.6834% | 6,674 |
| Equity capital to assets | 36.2898% | 54 |
| Core capital (leverage) ratio | 36.2898% | 51 |
| Tier 1 risk-based capital ratio | 123.7967% | 41 |
| Total risk-based capital ratio | 124.7609% | 41 |
| Memoranda: | ||
| Average total assets | $86,537,600 | 5,065 |
| Average earning assets | $84,356,400 | 4,925 |
| Average equity | $31,139,200 | 2,182 |
| Average total loans | $33,671,000 | 5,593 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0286% | 6,397 |
| Cost of funding earning assets | 0.8396% | 1,102 |
| Net interest margin | 2.1890% | 6,653 |
| Noninterest income to average assets | 0.0046% | 6,727 |
| Noninterest expense to average assets | 1.7797% | 6,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2246% | 5,854 |
| Return on assets (ROA) | 0.2246% | 5,932 |
| Pretax return on assets | 0.3584% | 5,723 |
| Return on Equity (ROE) | 0.6254% | 6,248 |
| Retained earnings to average equity (ytd only) | 0.6254% | 5,721 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2374% | 1,681 |
| Assets per employee ($millions) | 8.6464% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7273% | 6,407 |
| Loan loss allowance to noncurrent loans | 125.9067% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 5,435 |
| Noncurrent loans to loans | 0.5777% | 4,759 |
| Net loans and leases to total assets | 38.3582% | 6,153 |
| Net loans and leases to deposits | 60.1018% | 4,962 |
| Net loans and leases to core deposits | 64.3600% | 4,866 |
| Total domestic deposits to total assets | 63.8219% | 6,756 |
| Equity capital to assets | 36.0670% | 49 |
| Core capital (leverage) ratio | 36.0670% | 47 |
| Tier 1 risk-based capital ratio | 117.5550% | 42 |
| Total risk-based capital ratio | 118.4710% | 42 |
| Memoranda: | ||
| Average total assets | $86,679,750 | 5,107 |
| Average earning assets | $84,480,500 | 4,965 |
| Average equity | $31,124,500 | 2,201 |
| Average total loans | $33,943,250 | 5,638 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0335% | 6,415 |
| Cost of funding earning assets | 0.8505% | 1,134 |
| Net interest margin | 2.1830% | 6,690 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 1.6760% | 6,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2836% | 5,648 |
| Return on assets (ROA) | 0.2836% | 5,792 |
| Pretax return on assets | 0.4542% | 5,508 |
| Return on Equity (ROE) | 0.7909% | 6,258 |
| Retained earnings to average equity (ytd only) | 0.7909% | 5,581 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6797% | 2,356 |
| Assets per employee ($millions) | 8.5829% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7177% | 6,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 6,193 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 39.1662% | 6,098 |
| Net loans and leases to deposits | 61.5463% | 4,794 |
| Net loans and leases to core deposits | 65.2662% | 4,768 |
| Total domestic deposits to total assets | 63.6370% | 6,804 |
| Equity capital to assets | 36.3071% | 50 |
| Core capital (leverage) ratio | 36.3071% | 46 |
| Tier 1 risk-based capital ratio | 112.4454% | 42 |
| Total risk-based capital ratio | 113.3223% | 42 |
| Memoranda: | ||
| Average total assets | $86,751,670 | 5,133 |
| Average earning assets | $84,655,330 | 4,993 |
| Average equity | $31,104,330 | 2,211 |
| Average total loans | $34,121,330 | 5,658 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1594% | 6,344 |
| Cost of funding earning assets | 0.8711% | 1,138 |
| Net interest margin | 2.2883% | 6,692 |
| Noninterest income to average assets | -0.0092% | 6,878 |
| Noninterest expense to average assets | 1.6741% | 6,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3348% | 5,420 |
| Return on assets (ROA) | 0.3348% | 5,557 |
| Pretax return on assets | 0.5458% | 5,129 |
| Return on Equity (ROE) | 0.9396% | 6,234 |
| Retained earnings to average equity (ytd only) | 0.9396% | 5,470 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4132% | 3,020 |
| Assets per employee ($millions) | 8.6423% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 6,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 6,283 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 39.0718% | 6,081 |
| Net loans and leases to deposits | 61.1721% | 4,662 |
| Net loans and leases to core deposits | 64.8729% | 4,663 |
| Total domestic deposits to total assets | 63.8719% | 6,877 |
| Equity capital to assets | 35.9997% | 50 |
| Core capital (leverage) ratio | 35.9997% | 46 |
| Tier 1 risk-based capital ratio | 109.0578% | 44 |
| Total risk-based capital ratio | 109.9096% | 44 |
| Memoranda: | ||
| Average total assets | $87,213,000 | 5,167 |
| Average earning assets | $84,952,500 | 5,014 |
| Average equity | $31,075,500 | 2,236 |
| Average total loans | $34,252,500 | 5,696 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5387% | 6,311 |
| Cost of funding earning assets | 1.0214% | 1,244 |
| Net interest margin | 2.5173% | 6,706 |
| Noninterest income to average assets | -0.0111% | 6,852 |
| Noninterest expense to average assets | 1.7932% | 6,634 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4157% | 5,031 |
| Return on assets (ROA) | 0.4157% | 5,289 |
| Pretax return on assets | 0.6430% | 4,842 |
| Return on Equity (ROE) | 1.2073% | 6,086 |
| Retained earnings to average equity (ytd only) | 1.2073% | 5,272 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6048% | 3,133 |
| Assets per employee ($millions) | 8.8003% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 6,630 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 6,360 |
| Noncurrent loans to loans | 0.2348% | 5,893 |
| Net loans and leases to total assets | 38.9214% | 6,232 |
| Net loans and leases to deposits | 60.1905% | 5,008 |
| Net loans and leases to core deposits | 63.7164% | 4,991 |
| Total domestic deposits to total assets | 64.6637% | 6,923 |
| Equity capital to assets | 35.2704% | 51 |
| Core capital (leverage) ratio | 35.2704% | 48 |
| Tier 1 risk-based capital ratio | 107.3345% | 49 |
| Total risk-based capital ratio | 108.1748% | 49 |
| Memoranda: | ||
| Average total assets | $89,729,400 | 5,090 |
| Average earning assets | $87,236,600 | 4,932 |
| Average equity | $30,896,400 | 2,205 |
| Average total loans | $34,832,400 | 5,723 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6385% | 6,336 |
| Cost of funding earning assets | 1.0433% | 1,316 |
| Net interest margin | 2.5953% | 6,762 |
| Noninterest income to average assets | -0.0148% | 6,967 |
| Noninterest expense to average assets | 1.7139% | 6,778 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4969% | 4,852 |
| Return on assets (ROA) | 0.4969% | 5,122 |
| Pretax return on assets | 0.7912% | 4,523 |
| Return on Equity (ROE) | 1.4516% | 6,165 |
| Retained earnings to average equity (ytd only) | 1.4516% | 5,602 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4179% | 3,979 |
| Assets per employee ($millions) | 8.9626% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 6,750 |
| Loan loss allowance to noncurrent loans | 296.3415% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 6,503 |
| Noncurrent loans to loans | 0.2361% | 6,016 |
| Net loans and leases to total assets | 38.4810% | 6,389 |
| Net loans and leases to deposits | 58.9697% | 5,319 |
| Net loans and leases to core deposits | 62.6628% | 5,297 |
| Total domestic deposits to total assets | 65.2556% | 6,993 |
| Equity capital to assets | 34.5904% | 54 |
| Core capital (leverage) ratio | 34.5904% | 50 |
| Tier 1 risk-based capital ratio | 106.4118% | 50 |
| Total risk-based capital ratio | 107.2458% | 50 |
| Memoranda: | ||
| Average total assets | $90,161,000 | 5,135 |
| Average earning assets | $87,541,750 | 4,977 |
| Average equity | $30,860,750 | 2,224 |
| Average total loans | $34,916,750 | 5,798 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8210% | 6,094 |
| Cost of funding earning assets | 1.0578% | 1,422 |
| Net interest margin | 2.7631% | 6,629 |
| Noninterest income to average assets | -0.0221% | 7,028 |
| Noninterest expense to average assets | 1.6161% | 6,911 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6642% | 4,042 |
| Return on assets (ROA) | 0.6642% | 4,304 |
| Pretax return on assets | 1.0449% | 3,540 |
| Return on Equity (ROE) | 1.9472% | 6,056 |
| Retained earnings to average equity (ytd only) | 1.9472% | 5,221 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7321% | 5,463 |
| Assets per employee ($millions) | 9.0311% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6962% | 6,830 |
| Loan loss allowance to noncurrent loans | 195.9677% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 6,443 |
| Noncurrent loans to loans | 0.3553% | 5,835 |
| Net loans and leases to total assets | 38.3796% | 6,450 |
| Net loans and leases to deposits | 58.4858% | 5,400 |
| Net loans and leases to core deposits | 61.8229% | 5,405 |
| Total domestic deposits to total assets | 65.6221% | 7,054 |
| Equity capital to assets | 34.2882% | 54 |
| Core capital (leverage) ratio | 34.2882% | 50 |
| Tier 1 risk-based capital ratio | 105.7474% | 48 |
| Total risk-based capital ratio | 106.5772% | 48 |
| Memoranda: | ||
| Average total assets | $90,339,330 | 5,157 |
| Average earning assets | $87,726,330 | 4,999 |
| Average equity | $30,813,670 | 2,214 |
| Average total loans | $34,978,330 | 5,832 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 6,172 |
| Cost of funding earning assets | 1.0752% | 1,519 |
| Net interest margin | 2.7609% | 6,694 |
| Noninterest income to average assets | -0.0443% | 7,133 |
| Noninterest expense to average assets | 1.6424% | 6,942 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6331% | 4,206 |
| Return on assets (ROA) | 0.6331% | 4,419 |
| Pretax return on assets | 0.9961% | 3,690 |
| Return on Equity (ROE) | 1.8609% | 6,112 |
| Retained earnings to average equity (ytd only) | 1.8609% | 5,315 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2483% | 5,229 |
| Assets per employee ($millions) | 8.1971% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6927% | 6,885 |
| Loan loss allowance to noncurrent loans | 296.3415% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 6,656 |
| Noncurrent loans to loans | 0.2337% | 6,226 |
| Net loans and leases to total assets | 38.6368% | 6,449 |
| Net loans and leases to deposits | 58.8818% | 5,285 |
| Net loans and leases to core deposits | 62.4807% | 5,276 |
| Total domestic deposits to total assets | 65.6175% | 7,116 |
| Equity capital to assets | 34.1684% | 49 |
| Core capital (leverage) ratio | 34.1684% | 43 |
| Tier 1 risk-based capital ratio | 105.2615% | 45 |
| Total risk-based capital ratio | 106.0918% | 45 |
| Memoranda: | ||
| Average total assets | $90,353,500 | 5,194 |
| Average earning assets | $87,798,000 | 5,028 |
| Average equity | $30,737,500 | 2,218 |
| Average total loans | $35,015,500 | 5,868 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 6,441 |
| Cost of funding earning assets | 1.2238% | 1,880 |
| Net interest margin | 2.7837% | 6,836 |
| Noninterest income to average assets | -0.0362% | 7,049 |
| Noninterest expense to average assets | 1.8449% | 6,906 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5266% | 4,323 |
| Return on assets (ROA) | 0.5266% | 4,520 |
| Pretax return on assets | 0.8109% | 3,939 |
| Return on Equity (ROE) | 1.5273% | 5,833 |
| Retained earnings to average equity (ytd only) | 1.5273% | 5,126 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4670% | 4,059 |
| Assets per employee ($millions) | 9.0539% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 6,912 |
| Loan loss allowance to noncurrent loans | 292.7711% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 6,631 |
| Noncurrent loans to loans | 0.2375% | 6,261 |
| Net loans and leases to total assets | 38.3338% | 6,636 |
| Net loans and leases to deposits | 58.0356% | 5,695 |
| Net loans and leases to core deposits | 61.5198% | 5,702 |
| Total domestic deposits to total assets | 66.0522% | 7,129 |
| Equity capital to assets | 33.8705% | 53 |
| Core capital (leverage) ratio | 33.8705% | 51 |
| Tier 1 risk-based capital ratio | 104.5836% | 47 |
| Total risk-based capital ratio | 105.4123% | 47 |
| Memoranda: | ||
| Average total assets | $88,298,000 | 5,228 |
| Average earning assets | $85,391,000 | 5,074 |
| Average equity | $30,446,200 | 2,160 |
| Average total loans | $35,063,000 | 5,912 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0502% | 6,501 |
| Cost of funding earning assets | 1.2515% | 1,989 |
| Net interest margin | 2.7987% | 6,882 |
| Noninterest income to average assets | -0.0471% | 7,159 |
| Noninterest expense to average assets | 1.7932% | 7,004 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5364% | 4,377 |
| Return on assets (ROA) | 0.5364% | 4,567 |
| Pretax return on assets | 0.8647% | 3,899 |
| Return on Equity (ROE) | 1.5486% | 5,923 |
| Retained earnings to average equity (ytd only) | 1.5486% | 5,362 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4671% | 4,429 |
| Assets per employee ($millions) | 8.9558% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6900% | 6,981 |
| Loan loss allowance to noncurrent loans | 292.7711% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 6,728 |
| Noncurrent loans to loans | 0.2357% | 6,400 |
| Net loans and leases to total assets | 39.0518% | 6,707 |
| Net loans and leases to deposits | 59.4321% | 5,698 |
| Net loans and leases to core deposits | 62.4647% | 5,773 |
| Total domestic deposits to total assets | 65.7083% | 7,206 |
| Equity capital to assets | 34.1164% | 62 |
| Core capital (leverage) ratio | 34.1164% | 59 |
| Tier 1 risk-based capital ratio | 104.7769% | 51 |
| Total risk-based capital ratio | 105.6102% | 51 |
| Memoranda: | ||
| Average total assets | $87,737,750 | 5,280 |
| Average earning assets | $84,800,000 | 5,131 |
| Average equity | $30,391,250 | 2,170 |
| Average total loans | $35,091,250 | 5,968 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0848% | 6,525 |
| Cost of funding earning assets | 1.2864% | 2,026 |
| Net interest margin | 2.7984% | 6,928 |
| Noninterest income to average assets | 0.0023% | 7,182 |
| Noninterest expense to average assets | 1.7101% | 7,172 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6381% | 3,871 |
| Return on assets (ROA) | 0.6381% | 3,996 |
| Pretax return on assets | 0.9985% | 3,248 |
| Return on Equity (ROE) | 1.8327% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.8327% | 5,070 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1356% | 5,380 |
| Assets per employee ($millions) | 8.7912% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6898% | 7,030 |
| Loan loss allowance to noncurrent loans | 565.1163% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 6,790 |
| Noncurrent loans to loans | 0.1221% | 6,677 |
| Net loans and leases to total assets | 39.7943% | 6,762 |
| Net loans and leases to deposits | 61.0190% | 5,611 |
| Net loans and leases to core deposits | 63.5460% | 5,775 |
| Total domestic deposits to total assets | 65.2164% | 7,281 |
| Equity capital to assets | 34.6688% | 62 |
| Core capital (leverage) ratio | 34.6688% | 62 |
| Tier 1 risk-based capital ratio | 105.9515% | 50 |
| Total risk-based capital ratio | 106.7962% | 50 |
| Memoranda: | ||
| Average total assets | $87,131,000 | 5,339 |
| Average earning assets | $84,263,000 | 5,185 |
| Average equity | $30,337,000 | 2,164 |
| Average total loans | $35,049,330 | 6,021 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 6,443 |
| Cost of funding earning assets | 1.3239% | 2,048 |
| Net interest margin | 2.8050% | 6,897 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 1.7708% | 7,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6041% | 4,011 |
| Return on assets (ROA) | 0.6041% | 4,078 |
| Pretax return on assets | 0.9453% | 3,338 |
| Return on Equity (ROE) | 1.7313% | 5,894 |
| Retained earnings to average equity (ytd only) | 1.7313% | 5,084 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1952% | 5,168 |
| Assets per employee ($millions) | 8.7200% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6862% | 7,093 |
| Loan loss allowance to noncurrent loans | 565.1163% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 6,864 |
| Noncurrent loans to loans | 0.1214% | 6,745 |
| Net loans and leases to total assets | 40.3314% | 6,753 |
| Net loans and leases to deposits | 62.0560% | 5,487 |
| Net loans and leases to core deposits | 63.8241% | 5,747 |
| Total domestic deposits to total assets | 64.9920% | 7,355 |
| Equity capital to assets | 34.7844% | 62 |
| Core capital (leverage) ratio | 34.7844% | 62 |
| Tier 1 risk-based capital ratio | 105.6643% | 50 |
| Total risk-based capital ratio | 106.5108% | 50 |
| Memoranda: | ||
| Average total assets | $86,740,500 | 5,385 |
| Average earning assets | $83,994,000 | 5,233 |
| Average equity | $30,266,500 | 2,160 |
| Average total loans | $34,960,500 | 6,078 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 6,793 |
| Cost of funding earning assets | 1.5325% | 2,464 |
| Net interest margin | 2.7657% | 7,069 |
| Noninterest income to average assets | 0.0059% | 7,263 |
| Noninterest expense to average assets | 1.9284% | 7,118 |
| Loan and lease loss provision to assets | 0.0142% | 6,957 |
| Net operating income to assets | 0.4862% | 4,164 |
| Return on assets (ROA) | 0.4862% | 4,319 |
| Pretax return on assets | 0.7536% | 3,786 |
| Return on Equity (ROE) | 1.3692% | 5,598 |
| Retained earnings to average equity (ytd only) | 1.3692% | 4,861 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5226% | 3,885 |
| Assets per employee ($millions) | 8.6281% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7042% | 7,133 |
| Loan loss allowance to noncurrent loans | 238.2353% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 6,940 |
| Noncurrent loans to loans | 0.2956% | 6,467 |
| Net loans and leases to total assets | 39.7144% | 6,980 |
| Net loans and leases to deposits | 61.2002% | 5,934 |
| Net loans and leases to core deposits | 62.9658% | 6,156 |
| Total domestic deposits to total assets | 64.8926% | 7,421 |
| Equity capital to assets | 35.0031% | 61 |
| Core capital (leverage) ratio | 35.0031% | 65 |
| Tier 1 risk-based capital ratio | 106.6081% | 49 |
| Total risk-based capital ratio | 107.4658% | 49 |
| Memoranda: | ||
| Average total assets | $84,526,800 | 5,457 |
| Average earning assets | $82,221,000 | 5,268 |
| Average equity | $30,017,000 | 2,174 |
| Average total loans | $35,520,600 | 6,137 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 6,897 |
| Cost of funding earning assets | 1.5616% | 2,603 |
| Net interest margin | 2.7877% | 7,143 |
| Noninterest income to average assets | 0.0079% | 7,418 |
| Noninterest expense to average assets | 1.8742% | 7,241 |
| Loan and lease loss provision to assets | 0.0190% | 6,860 |
| Net operating income to assets | 0.5232% | 4,206 |
| Return on assets (ROA) | 0.5232% | 4,387 |
| Pretax return on assets | 0.8293% | 3,801 |
| Return on Equity (ROE) | 1.4681% | 5,777 |
| Retained earnings to average equity (ytd only) | 1.4681% | 5,211 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8410% | 4,300 |
| Assets per employee ($millions) | 8.5879% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6847% | 7,220 |
| Loan loss allowance to noncurrent loans | 411.8644% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 7,172 |
| Noncurrent loans to loans | 0.1662% | 6,853 |
| Net loans and leases to total assets | 41.0415% | 7,023 |
| Net loans and leases to deposits | 63.4126% | 5,981 |
| Net loans and leases to core deposits | 65.2498% | 6,186 |
| Total domestic deposits to total assets | 64.7213% | 7,500 |
| Equity capital to assets | 35.0726% | 65 |
| Core capital (leverage) ratio | 35.0726% | 64 |
| Tier 1 risk-based capital ratio | 106.0339% | 55 |
| Total risk-based capital ratio | 106.8894% | 55 |
| Memoranda: | ||
| Average total assets | $84,088,250 | 5,537 |
| Average earning assets | $81,881,250 | 5,345 |
| Average equity | $29,971,000 | 2,199 |
| Average total loans | $35,773,500 | 6,215 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 6,888 |
| Cost of funding earning assets | 1.5720% | 2,818 |
| Net interest margin | 2.8340% | 7,098 |
| Noninterest income to average assets | 0.0096% | 7,496 |
| Noninterest expense to average assets | 1.7535% | 7,449 |
| Loan and lease loss provision to assets | 0.0287% | 6,661 |
| Net operating income to assets | 0.6276% | 3,743 |
| Return on assets (ROA) | 0.6276% | 3,883 |
| Pretax return on assets | 0.9869% | 3,167 |
| Return on Equity (ROE) | 1.7513% | 5,713 |
| Retained earnings to average equity (ytd only) | 1.7513% | 4,994 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3218% | 5,462 |
| Assets per employee ($millions) | 8.5464% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6693% | 7,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 42.1955% | 7,034 |
| Net loans and leases to deposits | 65.2328% | 5,896 |
| Net loans and leases to core deposits | 66.8149% | 6,173 |
| Total domestic deposits to total assets | 64.6845% | 7,567 |
| Equity capital to assets | 35.1633% | 65 |
| Core capital (leverage) ratio | 35.1633% | 66 |
| Tier 1 risk-based capital ratio | 106.3825% | 49 |
| Total risk-based capital ratio | 107.2427% | 49 |
| Memoranda: | ||
| Average total assets | $83,491,330 | 5,581 |
| Average earning assets | $81,299,000 | 5,396 |
| Average equity | $29,921,330 | 2,193 |
| Average total loans | $35,868,330 | 6,249 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 6,800 |
| Cost of funding earning assets | 1.5845% | 3,045 |
| Net interest margin | 2.9100% | 7,005 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 1.7744% | 7,495 |
| Loan and lease loss provision to assets | 0.0582% | 6,069 |
| Net operating income to assets | 0.6351% | 3,730 |
| Return on assets (ROA) | 0.6351% | 3,853 |
| Pretax return on assets | 0.9987% | 3,097 |
| Return on Equity (ROE) | 1.7551% | 5,863 |
| Retained earnings to average equity (ytd only) | 1.7551% | 5,063 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6712% | 5,714 |
| Assets per employee ($millions) | 8.3288% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 7,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 6,713 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 42.8525% | 7,070 |
| Net loans and leases to deposits | 67.0820% | 5,701 |
| Net loans and leases to core deposits | 68.4378% | 6,064 |
| Total domestic deposits to total assets | 63.8808% | 7,679 |
| Equity capital to assets | 35.9247% | 65 |
| Core capital (leverage) ratio | 35.9247% | 64 |
| Tier 1 risk-based capital ratio | 106.0803% | 48 |
| Total risk-based capital ratio | 106.9418% | 47 |
| Memoranda: | ||
| Average total assets | $82,505,000 | 5,682 |
| Average earning assets | $80,276,000 | 5,494 |
| Average equity | $29,856,000 | 2,225 |
| Average total loans | $35,650,000 | 6,329 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 6,996 |
| Cost of funding earning assets | 1.8917% | 3,505 |
| Net interest margin | 2.8849% | 6,892 |
| Noninterest income to average assets | 0.0013% | 7,691 |
| Noninterest expense to average assets | 2.0143% | 7,353 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5197% | 3,651 |
| Return on assets (ROA) | 0.5197% | 3,741 |
| Pretax return on assets | 0.8037% | 3,232 |
| Return on Equity (ROE) | 1.3852% | 5,122 |
| Retained earnings to average equity (ytd only) | 1.3852% | 4,090 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4800% | 4,354 |
| Assets per employee ($millions) | 8.1722% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6871% | 7,399 |
| Loan loss allowance to noncurrent loans | 90.3346% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 6,618 |
| Noncurrent loans to loans | 0.7606% | 5,746 |
| Net loans and leases to total assets | 42.9786% | 7,186 |
| Net loans and leases to deposits | 67.7815% | 5,861 |
| Net loans and leases to core deposits | 83.3444% | 5,788 |
| Total domestic deposits to total assets | 63.4077% | 7,723 |
| Equity capital to assets | 36.4541% | 73 |
| Core capital (leverage) ratio | 36.4541% | 75 |
| Tier 1 risk-based capital ratio | 108.0637% | 52 |
| Total risk-based capital ratio | 108.9452% | 52 |
| Memoranda: | ||
| Average total assets | $78,885,600 | 5,758 |
| Average earning assets | $77,021,400 | 5,559 |
| Average equity | $29,598,200 | 2,257 |
| Average total loans | $36,074,600 | 6,304 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8186% | 7,084 |
| Cost of funding earning assets | 1.9369% | 3,673 |
| Net interest margin | 2.8817% | 6,899 |
| Noninterest income to average assets | 0.0017% | 7,828 |
| Noninterest expense to average assets | 1.9852% | 7,411 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5423% | 3,822 |
| Return on assets (ROA) | 0.5423% | 3,906 |
| Pretax return on assets | 0.8306% | 3,443 |
| Return on Equity (ROE) | 1.4348% | 5,358 |
| Retained earnings to average equity (ytd only) | 1.4348% | 4,512 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5027% | 4,490 |
| Assets per employee ($millions) | 8.0706% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6952% | 7,383 |
| Loan loss allowance to noncurrent loans | 64.6277% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 6,300 |
| Noncurrent loans to loans | 1.0757% | 5,157 |
| Net loans and leases to total assets | 43.0080% | 7,310 |
| Net loans and leases to deposits | 68.1925% | 6,116 |
| Net loans and leases to core deposits | 83.4636% | 6,079 |
| Total domestic deposits to total assets | 63.0684% | 7,798 |
| Equity capital to assets | 36.7978% | 83 |
| Core capital (leverage) ratio | 36.7978% | 87 |
| Tier 1 risk-based capital ratio | 107.9849% | 58 |
| Total risk-based capital ratio | 108.8684% | 58 |
| Memoranda: | ||
| Average total assets | $78,176,500 | 5,822 |
| Average earning assets | $76,341,000 | 5,621 |
| Average equity | $29,550,000 | 2,283 |
| Average total loans | $36,251,750 | 6,333 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 6,982 |
| Cost of funding earning assets | 1.9748% | 3,893 |
| Net interest margin | 2.9463% | 6,691 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 1.9578% | 7,538 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6026% | 3,663 |
| Return on assets (ROA) | 0.6026% | 3,774 |
| Pretax return on assets | 0.9207% | 3,274 |
| Return on Equity (ROE) | 1.5796% | 5,438 |
| Retained earnings to average equity (ytd only) | 1.5796% | 4,452 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0144% | 5,157 |
| Assets per employee ($millions) | 7.9030% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6827% | 7,457 |
| Loan loss allowance to noncurrent loans | 139.6552% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 6,950 |
| Noncurrent loans to loans | 0.4889% | 6,302 |
| Net loans and leases to total assets | 44.7298% | 7,283 |
| Net loans and leases to deposits | 71.7140% | 5,775 |
| Net loans and leases to core deposits | 86.2616% | 5,876 |
| Total domestic deposits to total assets | 62.3725% | 7,878 |
| Equity capital to assets | 37.4706% | 95 |
| Core capital (leverage) ratio | 37.4706% | 101 |
| Tier 1 risk-based capital ratio | 109.4386% | 60 |
| Total risk-based capital ratio | 110.3367% | 59 |
| Memoranda: | ||
| Average total assets | $77,333,330 | 5,885 |
| Average earning assets | $75,551,670 | 5,691 |
| Average equity | $29,500,670 | 2,306 |
| Average total loans | $36,684,670 | 6,359 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9766% | 6,989 |
| Cost of funding earning assets | 2.0013% | 4,119 |
| Net interest margin | 2.9752% | 6,545 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 1.8775% | 7,592 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6746% | 3,689 |
| Return on assets (ROA) | 0.6746% | 3,870 |
| Pretax return on assets | 1.0303% | 3,246 |
| Return on Equity (ROE) | 1.7524% | 5,857 |
| Retained earnings to average equity (ytd only) | 1.7524% | 4,876 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5683% | 5,583 |
| Assets per employee ($millions) | 7.7992% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6591% | 7,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 46.9612% | 7,107 |
| Net loans and leases to deposits | 75.8349% | 5,250 |
| Net loans and leases to core deposits | 90.8541% | 5,469 |
| Total domestic deposits to total assets | 61.9256% | 7,918 |
| Equity capital to assets | 37.8359% | 98 |
| Core capital (leverage) ratio | 37.8359% | 103 |
| Tier 1 risk-based capital ratio | 108.4332% | 65 |
| Total risk-based capital ratio | 109.3261% | 65 |
| Memoranda: | ||
| Average total assets | $76,485,000 | 5,930 |
| Average earning assets | $74,750,500 | 5,740 |
| Average equity | $29,444,500 | 2,320 |
| Average total loans | $37,230,500 | 6,369 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2311% | 7,659 |
| Cost of funding earning assets | 2.2472% | 5,383 |
| Net interest margin | 2.9839% | 6,956 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 2.0282% | 7,391 |
| Loan and lease loss provision to assets | -0.0831% | 8,248 |
| Net operating income to assets | 0.5925% | 4,333 |
| Return on assets (ROA) | 0.5925% | 4,203 |
| Pretax return on assets | 0.9705% | 3,485 |
| Return on Equity (ROE) | 1.5142% | 5,763 |
| Retained earnings to average equity (ytd only) | 1.5142% | 4,321 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5632% | 4,430 |
| Assets per employee ($millions) | 7.4978% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6464% | 7,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 49.8133% | 7,046 |
| Net loans and leases to deposits | 82.0839% | 4,715 |
| Net loans and leases to core deposits | 95.2586% | 5,320 |
| Total domestic deposits to total assets | 60.6858% | 7,939 |
| Equity capital to assets | 39.1848% | 107 |
| Core capital (leverage) ratio | 39.1848% | 115 |
| Tier 1 risk-based capital ratio | 109.8359% | 73 |
| Total risk-based capital ratio | 110.7443% | 73 |
| Memoranda: | ||
| Average total assets | $74,599,200 | 5,890 |
| Average earning assets | $72,890,800 | 5,714 |
| Average equity | $29,190,600 | 2,318 |
| Average total loans | $35,863,000 | 6,374 |