Home > Home Federal Savings and Loan Association of Niles > Performance and Condition Ratios
Home Federal Savings and Loan Association of Niles, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5062% | 2,087 |
| Cost of funding earning assets | 3.2083% | 202 |
| Net interest margin | 2.2979% | 4,162 |
| Noninterest income to average assets | 2.8500% | 193 |
| Noninterest expense to average assets | 4.7193% | 263 |
| Loan and lease loss provision to assets | -0.0700% | 4,307 |
| Net operating income to assets | 0.2519% | 3,921 |
| Return on assets (ROA) | 0.2519% | 3,949 |
| Pretax return on assets | 0.3282% | 3,913 |
| Return on Equity (ROE) | 2.7800% | 3,894 |
| Retained earnings to average equity (ytd only) | 2.7778% | 3,145 |
| 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 | 94.8849% | 358 |
| Assets per employee ($millions) | 3.9539% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 3,822 |
| Loan loss allowance to noncurrent loans | 114.2694% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 1,343 |
| Noncurrent loans to loans | 0.7163% | 1,438 |
| Net loans and leases to total assets | 76.7000% | 992 |
| Net loans and leases to deposits | 138.9823% | 34 |
| Net loans and leases to core deposits | 256.7434% | 22 |
| Total domestic deposits to total assets | 55.1900% | 4,324 |
| Equity capital to assets | 9.1373% | 2,842 |
| Core capital (leverage) ratio | 9.0993% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2204% | 1,448 |
| Memoranda: | ||
| Average total assets | $157,226,000 | 3,319 |
| Average earning assets | $145,000,500 | 3,305 |
| Average equity | $14,256,000 | 3,438 |
| Average total loans | $121,395,500 | 3,013 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 2,512 |
| Cost of funding earning assets | 3.1827% | 353 |
| Net interest margin | 2.1263% | 4,197 |
| Noninterest income to average assets | 3.2600% | 177 |
| Noninterest expense to average assets | 4.4460% | 291 |
| Loan and lease loss provision to assets | -0.0300% | 4,205 |
| Net operating income to assets | 0.6051% | 3,220 |
| Return on assets (ROA) | 0.6051% | 3,241 |
| Pretax return on assets | 0.8005% | 3,047 |
| Return on Equity (ROE) | 6.7500% | 3,092 |
| Retained earnings to average equity (ytd only) | 3.9085% | 2,671 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 85.1972% | 725 |
| Assets per employee ($millions) | 4.1131% | 4,052 |
| Cash dividends to net income (ytd only)* | 42.0883% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 3,756 |
| Loan loss allowance to noncurrent loans | 112.5958% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 1,240 |
| Noncurrent loans to loans | 0.7577% | 1,312 |
| Net loans and leases to total assets | 76.4300% | 1,084 |
| Net loans and leases to deposits | 142.0109% | 27 |
| Net loans and leases to core deposits | 248.5043% | 23 |
| Total domestic deposits to total assets | 53.8200% | 4,350 |
| Equity capital to assets | 8.9963% | 2,809 |
| Core capital (leverage) ratio | 8.9721% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2741% | 1,457 |
| Memoranda: | ||
| Average total assets | $153,532,200 | 3,335 |
| Average earning assets | $141,230,600 | 3,326 |
| Average equity | $13,764,800 | 3,446 |
| Average total loans | $114,544,400 | 3,058 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2591% | 2,543 |
| Cost of funding earning assets | 3.1317% | 401 |
| Net interest margin | 2.1273% | 4,213 |
| Noninterest income to average assets | 3.1300% | 180 |
| Noninterest expense to average assets | 4.2928% | 307 |
| Loan and lease loss provision to assets | -0.0500% | 4,301 |
| Net operating income to assets | 0.6420% | 3,113 |
| Return on assets (ROA) | 0.6420% | 3,138 |
| Pretax return on assets | 0.8357% | 2,954 |
| Return on Equity (ROE) | 7.1700% | 2,991 |
| Retained earnings to average equity (ytd only) | 3.3598% | 3,055 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 84.4517% | 792 |
| Assets per employee ($millions) | 4.2165% | 4,042 |
| Cash dividends to net income (ytd only)* | 53.1250% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 3,756 |
| Loan loss allowance to noncurrent loans | 104.6249% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 1,122 |
| Noncurrent loans to loans | 0.8307% | 1,204 |
| Net loans and leases to total assets | 76.4900% | 1,057 |
| Net loans and leases to deposits | 137.6470% | 29 |
| Net loans and leases to core deposits | 236.1263% | 28 |
| Total domestic deposits to total assets | 55.5700% | 4,381 |
| Equity capital to assets | 9.4187% | 2,732 |
| Core capital (leverage) ratio | 9.1527% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3946% | 1,433 |
| Memoranda: | ||
| Average total assets | $152,840,750 | 3,332 |
| Average earning assets | $140,578,750 | 3,342 |
| Average equity | $13,690,750 | 3,455 |
| Average total loans | $113,058,250 | 3,072 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1899% | 2,574 |
| Cost of funding earning assets | 3.0717% | 420 |
| Net interest margin | 2.1183% | 4,230 |
| Noninterest income to average assets | 2.6100% | 206 |
| Noninterest expense to average assets | 3.9781% | 375 |
| Loan and lease loss provision to assets | -0.0700% | 4,360 |
| Net operating income to assets | 0.5079% | 3,412 |
| Return on assets (ROA) | 0.5079% | 3,442 |
| Pretax return on assets | 0.6515% | 3,329 |
| Return on Equity (ROE) | 5.7700% | 3,341 |
| Retained earnings to average equity (ytd only) | -0.0297% | 3,919 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 87.2316% | 695 |
| Assets per employee ($millions) | 4.1614% | 4,067 |
| Cash dividends to net income (ytd only)* | 100.5141% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 3,685 |
| Loan loss allowance to noncurrent loans | 78.8208% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 734 |
| Noncurrent loans to loans | 1.1452% | 790 |
| Net loans and leases to total assets | 74.4600% | 1,365 |
| Net loans and leases to deposits | 131.5156% | 52 |
| Net loans and leases to core deposits | 220.5544% | 31 |
| Total domestic deposits to total assets | 56.6100% | 4,385 |
| Equity capital to assets | 8.9340% | 2,786 |
| Core capital (leverage) ratio | 9.0415% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4228% | 1,410 |
| Memoranda: | ||
| Average total assets | $153,190,000 | 3,341 |
| Average earning assets | $140,965,333 | 3,345 |
| Average equity | $13,488,667 | 3,451 |
| Average total loans | $111,702,333 | 3,087 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1874% | 2,428 |
| Cost of funding earning assets | 3.0339% | 407 |
| Net interest margin | 2.1535% | 4,218 |
| Noninterest income to average assets | 1.7600% | 276 |
| Noninterest expense to average assets | 3.4917% | 577 |
| Loan and lease loss provision to assets | -0.1400% | 4,479 |
| Net operating income to assets | 0.3151% | 3,787 |
| Return on assets (ROA) | 0.3151% | 3,818 |
| Pretax return on assets | 0.3848% | 3,787 |
| Return on Equity (ROE) | 3.6000% | 3,746 |
| Retained earnings to average equity (ytd only) | 3.6039% | 2,822 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 93.3702% | 469 |
| Assets per employee ($millions) | 4.6355% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 3,575 |
| Loan loss allowance to noncurrent loans | 81.0854% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.8191% | 728 |
| Noncurrent loans to loans | 1.1559% | 727 |
| Net loans and leases to total assets | 70.2000% | 1,789 |
| Net loans and leases to deposits | 126.4288% | 47 |
| Net loans and leases to core deposits | 208.1673% | 72 |
| Total domestic deposits to total assets | 55.5200% | 4,447 |
| Equity capital to assets | 8.8434% | 2,783 |
| Core capital (leverage) ratio | 8.8822% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9631% | 1,282 |
| Memoranda: | ||
| Average total assets | $154,880,500 | 3,334 |
| Average earning assets | $142,653,500 | 3,337 |
| Average equity | $13,541,000 | 3,453 |
| Average total loans | $111,275,000 | 3,096 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0082% | 2,055 |
| Cost of funding earning assets | 2.5336% | 345 |
| Net interest margin | 2.4746% | 4,114 |
| Noninterest income to average assets | 2.4700% | 220 |
| Noninterest expense to average assets | 3.9042% | 394 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.5955% | 3,452 |
| Return on assets (ROA) | 0.5955% | 3,445 |
| Pretax return on assets | 0.7359% | 3,366 |
| Return on Equity (ROE) | 6.7600% | 3,342 |
| Retained earnings to average equity (ytd only) | 3.4269% | 3,153 |
| Net charge-offs to loans | 0.0118% | 2,208 |
| Credit loss provision to net charge-offs | 923.0769% | 437 |
| Earnings coverage of net charge-offs (x) | 92.6923% | 936 |
| Efficiency ratio | 82.6244% | 741 |
| Assets per employee ($millions) | 4.7512% | 3,804 |
| Cash dividends to net income (ytd only)* | 49.3135% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 3,599 |
| Loan loss allowance to noncurrent loans | 243.4783% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2787% | 1,831 |
| Noncurrent loans to loans | 0.3828% | 1,841 |
| Net loans and leases to total assets | 72.1300% | 1,563 |
| Net loans and leases to deposits | 127.5406% | 54 |
| Net loans and leases to core deposits | 207.1075% | 74 |
| Total domestic deposits to total assets | 56.5500% | 4,456 |
| Equity capital to assets | 8.6448% | 2,938 |
| Core capital (leverage) ratio | 8.7495% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2658% | 1,456 |
| Memoranda: | ||
| Average total assets | $146,766,600 | 3,397 |
| Average earning assets | $133,960,200 | 3,404 |
| Average equity | $12,927,200 | 3,432 |
| Average total loans | $110,525,000 | 3,055 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 2,058 |
| Cost of funding earning assets | 2.3726% | 349 |
| Net interest margin | 2.5279% | 4,111 |
| Noninterest income to average assets | 2.4000% | 240 |
| Noninterest expense to average assets | 3.9899% | 362 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.4797% | 3,802 |
| Return on assets (ROA) | 0.4797% | 3,809 |
| Pretax return on assets | 0.5878% | 3,759 |
| Return on Equity (ROE) | 5.4200% | 3,742 |
| Retained earnings to average equity (ytd only) | 0.9188% | 3,968 |
| Net charge-offs to loans | 0.0158% | 1,830 |
| Credit loss provision to net charge-offs | 984.6154% | 410 |
| Earnings coverage of net charge-offs (x) | 59.1538% | 1,212 |
| Efficiency ratio | 84.8801% | 567 |
| Assets per employee ($millions) | 4.2993% | 4,046 |
| Cash dividends to net income (ytd only)* | 83.0443% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 3,693 |
| Loan loss allowance to noncurrent loans | 831.0078% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 3,020 |
| Noncurrent loans to loans | 0.1095% | 3,028 |
| Net loans and leases to total assets | 77.5800% | 932 |
| Net loans and leases to deposits | 151.3640% | 16 |
| Net loans and leases to core deposits | 220.7534% | 31 |
| Total domestic deposits to total assets | 51.2500% | 4,495 |
| Equity capital to assets | 8.3063% | 2,852 |
| Core capital (leverage) ratio | 8.8279% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $144,261,250 | 3,424 |
| Average earning assets | $131,328,750 | 3,441 |
| Average equity | $12,770,500 | 3,445 |
| Average total loans | $109,618,000 | 3,064 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 2,023 |
| Cost of funding earning assets | 2.1772% | 355 |
| Net interest margin | 2.6092% | 4,102 |
| Noninterest income to average assets | 2.2900% | 217 |
| Noninterest expense to average assets | 4.0256% | 336 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.4023% | 4,000 |
| Return on assets (ROA) | 0.4023% | 4,008 |
| Pretax return on assets | 0.4937% | 3,972 |
| Return on Equity (ROE) | 4.4500% | 3,959 |
| Retained earnings to average equity (ytd only) | -2.2549% | 4,301 |
| Net charge-offs to loans | 0.0243% | 1,396 |
| Credit loss provision to net charge-offs | 761.5385% | 492 |
| Earnings coverage of net charge-offs (x) | 34.6154% | 1,481 |
| Efficiency ratio | 86.4130% | 481 |
| Assets per employee ($millions) | 4.5018% | 3,951 |
| Cash dividends to net income (ytd only)* | 150.6993% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 3,779 |
| Loan loss allowance to noncurrent loans | 778.3582% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 2,757 |
| Noncurrent loans to loans | 0.1159% | 2,898 |
| Net loans and leases to total assets | 77.1400% | 922 |
| Net loans and leases to deposits | 146.2488% | 19 |
| Net loans and leases to core deposits | 210.4449% | 32 |
| Total domestic deposits to total assets | 52.7500% | 4,515 |
| Equity capital to assets | 8.5810% | 2,797 |
| Core capital (leverage) ratio | 8.7749% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $142,189,667 | 3,458 |
| Average earning assets | $129,159,000 | 3,472 |
| Average equity | $12,861,000 | 3,448 |
| Average total loans | $106,886,333 | 3,093 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 2,081 |
| Cost of funding earning assets | 1.9767% | 312 |
| Net interest margin | 2.6260% | 4,180 |
| Noninterest income to average assets | 2.0100% | 228 |
| Noninterest expense to average assets | 3.9567% | 364 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.1870% | 4,367 |
| Return on assets (ROA) | 0.1870% | 4,335 |
| Pretax return on assets | 0.2216% | 4,317 |
| Return on Equity (ROE) | 2.0100% | 4,305 |
| Retained earnings to average equity (ytd only) | -11.3335% | 4,500 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.1639% | 353 |
| Assets per employee ($millions) | 4.5058% | 4,020 |
| Cash dividends to net income (ytd only)* | 663.0769% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 3,646 |
| Loan loss allowance to noncurrent loans | 98.3763% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7261% | 670 |
| Noncurrent loans to loans | 0.9830% | 748 |
| Net loans and leases to total assets | 73.1600% | 1,302 |
| Net loans and leases to deposits | 129.1722% | 48 |
| Net loans and leases to core deposits | 183.4852% | 49 |
| Total domestic deposits to total assets | 56.6400% | 4,552 |
| Equity capital to assets | 8.8490% | 2,631 |
| Core capital (leverage) ratio | 9.0956% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $139,004,000 | 3,529 |
| Average earning assets | $125,665,500 | 3,546 |
| Average equity | $12,917,500 | 3,483 |
| Average total loans | $102,507,000 | 3,181 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 2,134 |
| Cost of funding earning assets | 1.1347% | 91 |
| Net interest margin | 2.7158% | 4,036 |
| Noninterest income to average assets | 3.1900% | 170 |
| Noninterest expense to average assets | 5.1259% | 207 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.2383% | 4,420 |
| Return on assets (ROA) | 0.2383% | 4,396 |
| Pretax return on assets | 0.3924% | 4,283 |
| Return on Equity (ROE) | 2.2100% | 4,369 |
| Retained earnings to average equity (ytd only) | 0.5137% | 4,272 |
| Net charge-offs to loans | -0.0915% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 92.6270% | 251 |
| Assets per employee ($millions) | 3.7173% | 4,377 |
| Cash dividends to net income (ytd only)* | 76.7974% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6873% | 4,223 |
| Loan loss allowance to noncurrent loans | 451.3333% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 2,743 |
| Noncurrent loans to loans | 0.1523% | 2,735 |
| Net loans and leases to total assets | 73.1000% | 1,301 |
| Net loans and leases to deposits | 116.4389% | 94 |
| Net loans and leases to core deposits | 164.6775% | 59 |
| Total domestic deposits to total assets | 62.7800% | 4,557 |
| Equity capital to assets | 9.7712% | 1,845 |
| Core capital (leverage) ratio | 10.1636% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7133% | 1,184 |
| Memoranda: | ||
| Average total assets | $128,425,000 | 3,650 |
| Average earning assets | $110,870,400 | 3,715 |
| Average equity | $13,820,800 | 3,491 |
| Average total loans | $87,391,800 | 3,312 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6654% | 2,149 |
| Cost of funding earning assets | 1.0060% | 63 |
| Net interest margin | 2.6594% | 4,009 |
| Noninterest income to average assets | 3.4900% | 165 |
| Noninterest expense to average assets | 5.4549% | 190 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1353% | 4,522 |
| Return on assets (ROA) | 0.1353% | 4,492 |
| Pretax return on assets | 0.3085% | 4,367 |
| Return on Equity (ROE) | 1.2300% | 4,477 |
| Retained earnings to average equity (ytd only) | -1.0090% | 4,421 |
| Net charge-offs to loans | -0.1261% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 94.5961% | 222 |
| Assets per employee ($millions) | 3.6151% | 4,456 |
| Cash dividends to net income (ytd only)* | 182.1705% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6966% | 4,254 |
| Loan loss allowance to noncurrent loans | 425.8065% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 2,773 |
| Noncurrent loans to loans | 0.1636% | 2,781 |
| Net loans and leases to total assets | 72.2900% | 1,259 |
| Net loans and leases to deposits | 111.3615% | 112 |
| Net loans and leases to core deposits | 155.3908% | 52 |
| Total domestic deposits to total assets | 64.9200% | 4,591 |
| Equity capital to assets | 9.8539% | 1,691 |
| Core capital (leverage) ratio | 10.2640% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1864% | 1,142 |
| Memoranda: | ||
| Average total assets | $127,075,750 | 3,690 |
| Average earning assets | $108,543,250 | 3,766 |
| Average equity | $14,007,000 | 3,510 |
| Average total loans | $84,614,250 | 3,361 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5439% | 2,008 |
| Cost of funding earning assets | 0.9493% | 45 |
| Net interest margin | 2.5946% | 3,923 |
| Noninterest income to average assets | 3.8222% | 125 |
| Noninterest expense to average assets | 5.7753% | 137 |
| Loan and lease loss provision to assets | 0.0111% | 2,390 |
| Net operating income to assets | 0.1872% | 4,437 |
| Return on assets (ROA) | 0.1872% | 4,398 |
| Pretax return on assets | 0.2126% | 4,396 |
| Return on Equity (ROE) | 1.6387% | 4,388 |
| Retained earnings to average equity (ytd only) | -1.6248% | 4,354 |
| Net charge-offs to loans | -0.2536% | 4,626 |
| Credit loss provision to net charge-offs | -6.7961% | 2,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2708% | 242 |
| Assets per employee ($millions) | 3.7198% | 4,483 |
| Cash dividends to net income (ytd only)* | 199.1525% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7894% | 4,188 |
| Loan loss allowance to noncurrent loans | 350.5102% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 2,665 |
| Noncurrent loans to loans | 0.2252% | 2,595 |
| Net loans and leases to total assets | 66.3192% | 1,652 |
| Net loans and leases to deposits | 101.8977% | 211 |
| Net loans and leases to core deposits | 140.8624% | 75 |
| Total domestic deposits to total assets | 65.0841% | 4,663 |
| Equity capital to assets | 10.4668% | 1,447 |
| Core capital (leverage) ratio | 10.3504% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6364% | 1,048 |
| Memoranda: | ||
| Average total assets | $126,053,667 | 3,743 |
| Average earning assets | $105,758,667 | 3,848 |
| Average equity | $14,401,333 | 3,550 |
| Average total loans | $81,237,000 | 3,436 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3780% | 2,153 |
| Cost of funding earning assets | 0.9646% | 39 |
| Net interest margin | 2.4134% | 4,044 |
| Noninterest income to average assets | 3.6327% | 135 |
| Noninterest expense to average assets | 5.6039% | 143 |
| Loan and lease loss provision to assets | 0.0097% | 2,149 |
| Net operating income to assets | 0.0194% | 4,537 |
| Return on assets (ROA) | 0.0194% | 4,517 |
| Pretax return on assets | 0.0129% | 4,512 |
| Return on Equity (ROE) | 0.1623% | 4,516 |
| Retained earnings to average equity (ytd only) | 0.1623% | 3,984 |
| Net charge-offs to loans | -0.3064% | 4,662 |
| Credit loss provision to net charge-offs | -5.0000% | 2,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5986% | 251 |
| Assets per employee ($millions) | 3.4358% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 4,211 |
| Loan loss allowance to noncurrent loans | 270.0422% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 2,483 |
| Noncurrent loans to loans | 0.3029% | 2,378 |
| Net loans and leases to total assets | 62.7374% | 1,775 |
| Net loans and leases to deposits | 93.0264% | 401 |
| Net loans and leases to core deposits | 128.1256% | 100 |
| Total domestic deposits to total assets | 67.4404% | 4,680 |
| Equity capital to assets | 11.7110% | 1,056 |
| Core capital (leverage) ratio | 10.8285% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4798% | 973 |
| Memoranda: | ||
| Average total assets | $123,984,000 | 3,784 |
| Average earning assets | $102,428,000 | 3,906 |
| Average equity | $14,788,500 | 3,580 |
| Average total loans | $78,340,500 | 3,482 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1751% | 3,526 |
| Cost of funding earning assets | 1.0932% | 47 |
| Net interest margin | 2.0819% | 4,550 |
| Noninterest income to average assets | 3.0388% | 179 |
| Noninterest expense to average assets | 4.2074% | 250 |
| Loan and lease loss provision to assets | 0.0173% | 2,728 |
| Net operating income to assets | 0.5472% | 3,988 |
| Return on assets (ROA) | 0.5472% | 4,037 |
| Pretax return on assets | 0.6715% | 3,992 |
| Return on Equity (ROE) | 4.6445% | 4,073 |
| Retained earnings to average equity (ytd only) | 2.4761% | 3,836 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9334% | 479 |
| Assets per employee ($millions) | 3.4523% | 4,600 |
| Cash dividends to net income (ytd only)* | 46.6877% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 4,371 |
| Loan loss allowance to noncurrent loans | 128.5078% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 1,778 |
| Noncurrent loans to loans | 0.5724% | 1,710 |
| Net loans and leases to total assets | 62.6532% | 1,863 |
| Net loans and leases to deposits | 96.0230% | 316 |
| Net loans and leases to core deposits | 133.7674% | 89 |
| Total domestic deposits to total assets | 65.2481% | 4,736 |
| Equity capital to assets | 12.1434% | 1,194 |
| Core capital (leverage) ratio | 10.7383% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0364% | 888 |
| Memoranda: | ||
| Average total assets | $115,868,200 | 3,842 |
| Average earning assets | $103,366,600 | 3,873 |
| Average equity | $13,650,600 | 3,776 |
| Average total loans | $75,201,000 | 3,554 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0356% | 3,936 |
| Cost of funding earning assets | 1.0935% | 56 |
| Net interest margin | 1.9421% | 4,703 |
| Noninterest income to average assets | 2.0193% | 346 |
| Noninterest expense to average assets | 2.9874% | 1,000 |
| Loan and lease loss provision to assets | 0.0167% | 2,672 |
| Net operating income to assets | 0.6434% | 3,918 |
| Return on assets (ROA) | 0.6434% | 3,973 |
| Pretax return on assets | 0.7993% | 3,892 |
| Return on Equity (ROE) | 5.5077% | 4,018 |
| Retained earnings to average equity (ytd only) | 2.5381% | 4,042 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5516% | 837 |
| Assets per employee ($millions) | 3.4222% | 4,664 |
| Cash dividends to net income (ytd only)* | 53.9162% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6327% | 4,592 |
| Loan loss allowance to noncurrent loans | 129.4785% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 2,002 |
| Noncurrent loans to loans | 0.4887% | 2,085 |
| Net loans and leases to total assets | 72.7855% | 796 |
| Net loans and leases to deposits | 114.6468% | 67 |
| Net loans and leases to core deposits | 158.8250% | 51 |
| Total domestic deposits to total assets | 63.4867% | 4,817 |
| Equity capital to assets | 12.2339% | 1,294 |
| Core capital (leverage) ratio | 11.1415% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3382% | 1,531 |
| Memoranda: | ||
| Average total assets | $113,765,000 | 3,907 |
| Average earning assets | $104,491,250 | 3,905 |
| Average equity | $13,290,250 | 3,856 |
| Average total loans | $74,390,500 | 3,622 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9753% | 4,087 |
| Cost of funding earning assets | 1.0916% | 68 |
| Net interest margin | 1.8837% | 4,759 |
| Noninterest income to average assets | 0.1591% | 4,401 |
| Noninterest expense to average assets | 1.6670% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2133% | 4,619 |
| Return on assets (ROA) | 0.2133% | 4,635 |
| Pretax return on assets | 0.2549% | 4,630 |
| Return on Equity (ROE) | 1.8588% | 4,610 |
| Retained earnings to average equity (ytd only) | 1.8588% | 4,149 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7357% | 444 |
| Assets per employee ($millions) | 11.2764% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 4,334 |
| Loan loss allowance to noncurrent loans | 120.8243% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 1,974 |
| Noncurrent loans to loans | 0.6790% | 1,725 |
| Net loans and leases to total assets | 59.7141% | 2,459 |
| Net loans and leases to deposits | 88.8948% | 718 |
| Net loans and leases to core deposits | 118.8842% | 230 |
| Total domestic deposits to total assets | 67.1739% | 4,805 |
| Equity capital to assets | 11.2962% | 1,754 |
| Core capital (leverage) ratio | 11.0796% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,620,333 | 3,956 |
| Average earning assets | $103,517,333 | 3,940 |
| Average equity | $12,696,333 | 3,917 |
| Average total loans | $69,106,667 | 3,742 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9632% | 4,158 |
| Cost of funding earning assets | 1.1087% | 81 |
| Net interest margin | 1.8544% | 4,792 |
| Noninterest income to average assets | 0.2337% | 3,988 |
| Noninterest expense to average assets | 1.7015% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2227% | 4,616 |
| Return on assets (ROA) | 0.2227% | 4,641 |
| Pretax return on assets | 0.2665% | 4,631 |
| Return on Equity (ROE) | 1.9250% | 4,610 |
| Retained earnings to average equity (ytd only) | 1.9250% | 4,025 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4564% | 495 |
| Assets per employee ($millions) | 9.9703% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8299% | 4,345 |
| Loan loss allowance to noncurrent loans | 90.4221% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5617% | 1,689 |
| Noncurrent loans to loans | 0.9178% | 1,473 |
| Net loans and leases to total assets | 60.6877% | 2,447 |
| Net loans and leases to deposits | 91.5730% | 617 |
| Net loans and leases to core deposits | 121.7896% | 226 |
| Total domestic deposits to total assets | 66.2725% | 4,833 |
| Equity capital to assets | 11.5790% | 1,496 |
| Core capital (leverage) ratio | 11.2128% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,548,500 | 3,975 |
| Average earning assets | $102,458,500 | 3,952 |
| Average equity | $12,675,500 | 3,932 |
| Average total loans | $69,713,500 | 3,745 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5791% | 3,855 |
| Cost of funding earning assets | 1.2911% | 185 |
| Net interest margin | 2.2880% | 4,725 |
| Noninterest income to average assets | 0.0152% | 4,928 |
| Noninterest expense to average assets | 1.8047% | 4,468 |
| Loan and lease loss provision to assets | 0.1465% | 2,542 |
| Net operating income to assets | 0.1644% | 4,613 |
| Return on assets (ROA) | 0.3330% | 4,451 |
| Pretax return on assets | 0.3958% | 4,427 |
| Return on Equity (ROE) | 2.7369% | 4,437 |
| Retained earnings to average equity (ytd only) | 0.2737% | 4,435 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0869% | 627 |
| Assets per employee ($millions) | 9.1187% | 713 |
| Cash dividends to net income (ytd only)* | 90.0000% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 4,480 |
| Loan loss allowance to noncurrent loans | 76.0929% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 1,565 |
| Noncurrent loans to loans | 1.0123% | 1,402 |
| Net loans and leases to total assets | 65.5752% | 2,149 |
| Net loans and leases to deposits | 107.9445% | 196 |
| Net loans and leases to core deposits | 139.8678% | 119 |
| Total domestic deposits to total assets | 60.7490% | 4,906 |
| Equity capital to assets | 11.5624% | 1,838 |
| Core capital (leverage) ratio | 11.2088% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,113,800 | 3,927 |
| Average earning assets | $97,901,600 | 3,912 |
| Average equity | $12,788,400 | 3,883 |
| Average total loans | $70,648,400 | 3,722 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7072% | 3,787 |
| Cost of funding earning assets | 1.3211% | 224 |
| Net interest margin | 2.3860% | 4,732 |
| Noninterest income to average assets | 0.0987% | 4,762 |
| Noninterest expense to average assets | 1.7532% | 4,561 |
| Loan and lease loss provision to assets | 0.1970% | 2,010 |
| Net operating income to assets | 0.3067% | 4,438 |
| Return on assets (ROA) | 0.4524% | 4,227 |
| Pretax return on assets | 0.5434% | 4,200 |
| Return on Equity (ROE) | 3.6705% | 4,254 |
| Retained earnings to average equity (ytd only) | 0.3951% | 4,405 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6219% | 1,241 |
| Assets per employee ($millions) | 8.8981% | 714 |
| Cash dividends to net income (ytd only)* | 89.2351% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 4,432 |
| Loan loss allowance to noncurrent loans | 107.9457% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6743% | 1,709 |
| Noncurrent loans to loans | 0.7149% | 2,005 |
| Net loans and leases to total assets | 67.0716% | 2,377 |
| Net loans and leases to deposits | 116.1294% | 145 |
| Net loans and leases to core deposits | 146.8765% | 130 |
| Total domestic deposits to total assets | 57.7559% | 4,942 |
| Equity capital to assets | 11.9754% | 1,690 |
| Core capital (leverage) ratio | 11.5926% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,036,250 | 3,942 |
| Average earning assets | $96,782,500 | 3,927 |
| Average equity | $12,822,500 | 3,883 |
| Average total loans | $70,232,500 | 3,746 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7705% | 3,946 |
| Cost of funding earning assets | 1.3556% | 278 |
| Net interest margin | 2.4150% | 4,785 |
| Noninterest income to average assets | 0.0989% | 4,786 |
| Noninterest expense to average assets | 1.7474% | 4,632 |
| Loan and lease loss provision to assets | 0.2405% | 1,751 |
| Net operating income to assets | 0.2974% | 4,431 |
| Return on assets (ROA) | 0.4519% | 4,188 |
| Pretax return on assets | 0.5430% | 4,173 |
| Return on Equity (ROE) | 3.6309% | 4,214 |
| Retained earnings to average equity (ytd only) | 3.6309% | 3,110 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5244% | 1,415 |
| Assets per employee ($millions) | 9.5922% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 4,514 |
| Loan loss allowance to noncurrent loans | 78.6567% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 1,492 |
| Noncurrent loans to loans | 0.9217% | 1,672 |
| Net loans and leases to total assets | 68.3938% | 2,286 |
| Net loans and leases to deposits | 119.9113% | 95 |
| Net loans and leases to core deposits | 150.9160% | 106 |
| Total domestic deposits to total assets | 57.0370% | 4,982 |
| Equity capital to assets | 12.3500% | 1,455 |
| Core capital (leverage) ratio | 11.9465% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,122,667 | 3,955 |
| Average earning assets | $95,902,000 | 3,940 |
| Average equity | $12,834,333 | 3,894 |
| Average total loans | $69,585,333 | 3,759 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 4,040 |
| Cost of funding earning assets | 1.3807% | 433 |
| Net interest margin | 2.5164% | 4,815 |
| Noninterest income to average assets | 0.1060% | 4,797 |
| Noninterest expense to average assets | 1.7463% | 4,727 |
| Loan and lease loss provision to assets | 0.3571% | 865 |
| Net operating income to assets | 0.2890% | 4,367 |
| Return on assets (ROA) | 0.3846% | 4,205 |
| Pretax return on assets | 0.4552% | 4,198 |
| Return on Equity (ROE) | 3.0779% | 4,195 |
| Retained earnings to average equity (ytd only) | 3.0779% | 3,046 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 2,166 |
| Assets per employee ($millions) | 8.6703% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 4,566 |
| Loan loss allowance to noncurrent loans | 89.6552% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 1,854 |
| Noncurrent loans to loans | 0.8104% | 1,985 |
| Net loans and leases to total assets | 64.8751% | 2,959 |
| Net loans and leases to deposits | 114.8687% | 123 |
| Net loans and leases to core deposits | 146.1628% | 134 |
| Total domestic deposits to total assets | 56.4776% | 5,050 |
| Equity capital to assets | 12.4449% | 1,768 |
| Core capital (leverage) ratio | 12.3577% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,927,000 | 3,963 |
| Average earning assets | $94,737,000 | 3,951 |
| Average equity | $12,736,000 | 3,912 |
| Average total loans | $68,032,000 | 3,803 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7738% | 4,597 |
| Cost of funding earning assets | 1.4138% | 535 |
| Net interest margin | 2.3600% | 5,019 |
| Noninterest income to average assets | 0.1426% | 4,762 |
| Noninterest expense to average assets | 1.8413% | 4,724 |
| Loan and lease loss provision to assets | 0.0185% | 3,641 |
| Net operating income to assets | 0.4075% | 4,581 |
| Return on assets (ROA) | 0.4924% | 4,467 |
| Pretax return on assets | 0.5529% | 4,486 |
| Return on Equity (ROE) | 3.9322% | 4,476 |
| Retained earnings to average equity (ytd only) | 2.2692% | 3,879 |
| Net charge-offs to loans | 0.0246% | 2,909 |
| Credit loss provision to net charge-offs | 138.4615% | 1,858 |
| Earnings coverage of net charge-offs (x) | 35.6923% | 1,406 |
| Efficiency ratio | 79.4599% | 987 |
| Assets per employee ($millions) | 9.0737% | 493 |
| Cash dividends to net income (ytd only)* | 42.2917% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5920% | 4,753 |
| Loan loss allowance to noncurrent loans | 72.7437% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 1,706 |
| Noncurrent loans to loans | 0.8138% | 1,878 |
| Net loans and leases to total assets | 67.7971% | 2,709 |
| Net loans and leases to deposits | 109.4472% | 200 |
| Net loans and leases to core deposits | 135.4328% | 216 |
| Total domestic deposits to total assets | 61.9451% | 5,069 |
| Equity capital to assets | 12.5477% | 1,789 |
| Core capital (leverage) ratio | 12.5415% | 1,467 |
| Tier 1 risk-based capital ratio | 19.3005% | 1,459 |
| Total risk-based capital ratio | 19.9323% | 1,556 |
| Memoranda: | ||
| Average total assets | $97,484,400 | 4,040 |
| Average earning assets | $89,829,000 | 4,045 |
| Average equity | $12,206,800 | 3,972 |
| Average total loans | $52,777,400 | 4,129 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7110% | 4,774 |
| Cost of funding earning assets | 1.4195% | 541 |
| Net interest margin | 2.2915% | 5,130 |
| Noninterest income to average assets | 0.1541% | 4,777 |
| Noninterest expense to average assets | 1.7447% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4611% | 4,605 |
| Return on assets (ROA) | 0.5738% | 4,411 |
| Pretax return on assets | 0.6439% | 4,458 |
| Return on Equity (ROE) | 4.5845% | 4,459 |
| Retained earnings to average equity (ytd only) | 2.3528% | 4,154 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1290% | 1,201 |
| Assets per employee ($millions) | 8.6536% | 541 |
| Cash dividends to net income (ytd only)* | 48.6807% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 4,659 |
| Loan loss allowance to noncurrent loans | 47.2123% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.1293% | 1,155 |
| Noncurrent loans to loans | 1.4795% | 1,026 |
| Net loans and leases to total assets | 59.4401% | 3,730 |
| Net loans and leases to deposits | 98.7418% | 746 |
| Net loans and leases to core deposits | 120.3160% | 530 |
| Total domestic deposits to total assets | 60.1975% | 5,162 |
| Equity capital to assets | 13.1369% | 1,547 |
| Core capital (leverage) ratio | 13.0315% | 1,328 |
| Tier 1 risk-based capital ratio | 20.6806% | 1,236 |
| Total risk-based capital ratio | 21.3455% | 1,319 |
| Memoranda: | ||
| Average total assets | $96,902,750 | 4,092 |
| Average earning assets | $89,137,750 | 4,105 |
| Average equity | $12,127,500 | 4,017 |
| Average total loans | $48,953,750 | 4,256 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6314% | 4,907 |
| Cost of funding earning assets | 1.4209% | 491 |
| Net interest margin | 2.2105% | 5,205 |
| Noninterest income to average assets | 0.1129% | 4,993 |
| Noninterest expense to average assets | 1.7338% | 4,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3867% | 4,755 |
| Return on assets (ROA) | 0.4986% | 4,563 |
| Pretax return on assets | 0.5314% | 4,651 |
| Return on Equity (ROE) | 4.0494% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.0494% | 3,219 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7839% | 900 |
| Assets per employee ($millions) | 8.5664% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8035% | 4,426 |
| Loan loss allowance to noncurrent loans | 64.8208% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.0517% | 1,302 |
| Noncurrent loans to loans | 1.2396% | 1,285 |
| Net loans and leases to total assets | 52.1437% | 4,343 |
| Net loans and leases to deposits | 84.7828% | 2,397 |
| Net loans and leases to core deposits | 102.0945% | 1,545 |
| Total domestic deposits to total assets | 61.5027% | 5,199 |
| Equity capital to assets | 13.3121% | 1,429 |
| Core capital (leverage) ratio | 12.8148% | 1,395 |
| Tier 1 risk-based capital ratio | 23.2799% | 918 |
| Total risk-based capital ratio | 24.0273% | 944 |
| Memoranda: | ||
| Average total assets | $97,473,670 | 4,107 |
| Average earning assets | $89,661,670 | 4,122 |
| Average equity | $12,001,670 | 4,046 |
| Average total loans | $46,278,670 | 4,332 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5560% | 4,997 |
| Cost of funding earning assets | 1.4058% | 446 |
| Net interest margin | 2.1503% | 5,290 |
| Noninterest income to average assets | 0.1130% | 5,037 |
| Noninterest expense to average assets | 1.7155% | 5,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3758% | 4,780 |
| Return on assets (ROA) | 0.4117% | 4,719 |
| Pretax return on assets | 0.4158% | 4,817 |
| Return on Equity (ROE) | 3.4781% | 4,682 |
| Retained earnings to average equity (ytd only) | 3.4781% | 3,523 |
| Net charge-offs to loans | -0.5013% | 5,270 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8882% | 884 |
| Assets per employee ($millions) | 9.0385% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 3,661 |
| Loan loss allowance to noncurrent loans | 72.5240% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0088% | 1,386 |
| Noncurrent loans to loans | 1.3867% | 1,168 |
| Net loans and leases to total assets | 44.9479% | 4,703 |
| Net loans and leases to deposits | 77.0301% | 3,157 |
| Net loans and leases to core deposits | 91.5946% | 2,340 |
| Total domestic deposits to total assets | 58.3511% | 5,289 |
| Equity capital to assets | 12.1118% | 1,956 |
| Core capital (leverage) ratio | 12.4272% | 1,551 |
| Tier 1 risk-based capital ratio | 23.2101% | 915 |
| Total risk-based capital ratio | 24.0709% | 934 |
| Memoranda: | ||
| Average total assets | $99,095,500 | 4,121 |
| Average earning assets | $91,337,500 | 4,119 |
| Average equity | $11,730,500 | 4,099 |
| Average total loans | $44,679,500 | 4,417 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4128% | 4,994 |
| Cost of funding earning assets | 1.2211% | 308 |
| Net interest margin | 2.1917% | 5,304 |
| Noninterest income to average assets | 0.0654% | 5,235 |
| Noninterest expense to average assets | 1.8501% | 4,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2708% | 5,041 |
| Return on assets (ROA) | 0.2728% | 5,037 |
| Pretax return on assets | 0.2335% | 5,095 |
| Return on Equity (ROE) | 2.3828% | 4,993 |
| Retained earnings to average equity (ytd only) | -2.2772% | 5,142 |
| Net charge-offs to loans | -0.1696% | 5,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8781% | 395 |
| Assets per employee ($millions) | 8.2306% | 612 |
| Cash dividends to net income (ytd only)* | 195.5720% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 4,157 |
| Loan loss allowance to noncurrent loans | 49.1358% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.0935% | 1,232 |
| Noncurrent loans to loans | 1.8319% | 766 |
| Net loans and leases to total assets | 44.3650% | 4,804 |
| Net loans and leases to deposits | 75.6291% | 3,376 |
| Net loans and leases to core deposits | 88.7849% | 2,674 |
| Total domestic deposits to total assets | 58.6613% | 5,331 |
| Equity capital to assets | 11.5616% | 2,209 |
| Core capital (leverage) ratio | 12.4731% | 1,471 |
| Tier 1 risk-based capital ratio | 23.8589% | 836 |
| Total risk-based capital ratio | 24.6346% | 849 |
| Memoranda: | ||
| Average total assets | $99,348,400 | 4,111 |
| Average earning assets | $91,391,800 | 4,123 |
| Average equity | $11,373,400 | 4,103 |
| Average total loans | $43,622,000 | 4,460 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3689% | 5,065 |
| Cost of funding earning assets | 1.1691% | 298 |
| Net interest margin | 2.1998% | 5,384 |
| Noninterest income to average assets | 0.0482% | 5,344 |
| Noninterest expense to average assets | 1.7073% | 5,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3752% | 4,994 |
| Return on assets (ROA) | 0.3779% | 4,990 |
| Pretax return on assets | 0.3658% | 5,068 |
| Return on Equity (ROE) | 3.3092% | 4,956 |
| Retained earnings to average equity (ytd only) | -0.3990% | 5,089 |
| Net charge-offs to loans | -0.2453% | 5,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4595% | 744 |
| Assets per employee ($millions) | 8.1803% | 606 |
| Cash dividends to net income (ytd only)* | 112.0562% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 4,270 |
| Loan loss allowance to noncurrent loans | 65.9054% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 1,643 |
| Noncurrent loans to loans | 1.3630% | 1,223 |
| Net loans and leases to total assets | 45.4036% | 4,825 |
| Net loans and leases to deposits | 77.6075% | 3,272 |
| Net loans and leases to core deposits | 91.1769% | 2,547 |
| Total domestic deposits to total assets | 58.5041% | 5,406 |
| Equity capital to assets | 11.2383% | 2,438 |
| Core capital (leverage) ratio | 12.5146% | 1,495 |
| Tier 1 risk-based capital ratio | 23.8589% | 858 |
| Total risk-based capital ratio | 24.6321% | 884 |
| Memoranda: | ||
| Average total assets | $99,493,750 | 4,150 |
| Average earning assets | $91,461,000 | 4,154 |
| Average equity | $11,362,000 | 4,144 |
| Average total loans | $43,473,500 | 4,515 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2883% | 5,148 |
| Cost of funding earning assets | 1.1113% | 277 |
| Net interest margin | 2.1770% | 5,446 |
| Noninterest income to average assets | 0.0180% | 5,460 |
| Noninterest expense to average assets | 1.7071% | 5,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3362% | 5,069 |
| Return on assets (ROA) | 0.3402% | 5,059 |
| Pretax return on assets | 0.3182% | 5,145 |
| Return on Equity (ROE) | 2.9637% | 5,035 |
| Retained earnings to average equity (ytd only) | -2.5453% | 5,190 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4554% | 663 |
| Assets per employee ($millions) | 8.3653% | 546 |
| Cash dividends to net income (ytd only)* | 185.8824% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 4,867 |
| Loan loss allowance to noncurrent loans | 55.1020% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 0.8547% | 1,747 |
| Noncurrent loans to loans | 1.3240% | 1,288 |
| Net loans and leases to total assets | 43.9193% | 4,909 |
| Net loans and leases to deposits | 75.0460% | 3,434 |
| Net loans and leases to core deposits | 87.1563% | 2,805 |
| Total domestic deposits to total assets | 58.5233% | 5,459 |
| Equity capital to assets | 11.1372% | 2,518 |
| Core capital (leverage) ratio | 12.5517% | 1,410 |
| Tier 1 risk-based capital ratio | 23.9614% | 841 |
| Total risk-based capital ratio | 24.5898% | 886 |
| Memoranda: | ||
| Average total assets | $99,937,000 | 4,175 |
| Average earning assets | $91,961,670 | 4,185 |
| Average equity | $11,472,000 | 4,163 |
| Average total loans | $42,973,330 | 4,569 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2745% | 5,164 |
| Cost of funding earning assets | 1.0900% | 240 |
| Net interest margin | 2.1844% | 5,508 |
| Noninterest income to average assets | -0.0762% | 5,586 |
| Noninterest expense to average assets | 1.7610% | 5,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2246% | 5,215 |
| Return on assets (ROA) | 0.2327% | 5,205 |
| Pretax return on assets | 0.1805% | 5,277 |
| Return on Equity (ROE) | 1.9969% | 5,180 |
| Retained earnings to average equity (ytd only) | -8.8828% | 5,334 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0788% | 397 |
| Assets per employee ($millions) | 8.3153% | 560 |
| Cash dividends to net income (ytd only)* | 544.8276% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 4,900 |
| Loan loss allowance to noncurrent loans | 59.4495% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 1,943 |
| Noncurrent loans to loans | 1.2738% | 1,408 |
| Net loans and leases to total assets | 42.5539% | 4,955 |
| Net loans and leases to deposits | 72.4867% | 3,553 |
| Net loans and leases to core deposits | 84.1598% | 2,967 |
| Total domestic deposits to total assets | 58.7058% | 5,525 |
| Equity capital to assets | 11.2102% | 2,380 |
| Core capital (leverage) ratio | 12.3225% | 1,466 |
| Tier 1 risk-based capital ratio | 24.8513% | 757 |
| Total risk-based capital ratio | 25.5090% | 795 |
| Memoranda: | ||
| Average total assets | $99,713,500 | 4,223 |
| Average earning assets | $91,740,500 | 4,237 |
| Average equity | $11,618,000 | 4,178 |
| Average total loans | $42,254,000 | 4,630 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0572% | 5,322 |
| Cost of funding earning assets | 0.9576% | 275 |
| Net interest margin | 2.0996% | 5,556 |
| Noninterest income to average assets | 0.1227% | 5,332 |
| Noninterest expense to average assets | 1.4888% | 5,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4158% | 4,641 |
| Return on assets (ROA) | 0.4753% | 4,476 |
| Pretax return on assets | 0.6403% | 4,646 |
| Return on Equity (ROE) | 3.8664% | 4,544 |
| Retained earnings to average equity (ytd only) | 2.1890% | 4,011 |
| Net charge-offs to loans | -0.1366% | 5,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6724% | 2,130 |
| Assets per employee ($millions) | 9.0585% | 443 |
| Cash dividends to net income (ytd only)* | 43.3839% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7766% | 4,891 |
| Loan loss allowance to noncurrent loans | 59.5588% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9022% | 1,724 |
| Noncurrent loans to loans | 1.3039% | 1,334 |
| Net loans and leases to total assets | 41.5463% | 5,080 |
| Net loans and leases to deposits | 70.0071% | 3,876 |
| Net loans and leases to core deposits | 80.7845% | 3,357 |
| Total domestic deposits to total assets | 59.3459% | 5,591 |
| Equity capital to assets | 12.0932% | 1,764 |
| Core capital (leverage) ratio | 12.8161% | 1,215 |
| Tier 1 risk-based capital ratio | 26.0633% | 661 |
| Total risk-based capital ratio | 26.7388% | 680 |
| Memoranda: | ||
| Average total assets | $96,988,600 | 4,291 |
| Average earning assets | $88,971,400 | 4,309 |
| Average equity | $11,923,200 | 4,153 |
| Average total loans | $35,865,000 | 4,849 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0333% | 5,388 |
| Cost of funding earning assets | 0.9426% | 271 |
| Net interest margin | 2.0907% | 5,625 |
| Noninterest income to average assets | 0.1218% | 5,391 |
| Noninterest expense to average assets | 1.4728% | 5,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4954% | 4,739 |
| Return on assets (ROA) | 0.5758% | 4,520 |
| Pretax return on assets | 0.6561% | 4,712 |
| Return on Equity (ROE) | 4.6643% | 4,646 |
| Retained earnings to average equity (ytd only) | 2.4218% | 4,440 |
| Net charge-offs to loans | -0.1899% | 5,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2826% | 2,165 |
| Assets per employee ($millions) | 8.6625% | 490 |
| Cash dividends to net income (ytd only)* | 48.0772% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 4,615 |
| Loan loss allowance to noncurrent loans | 57.4468% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 1,764 |
| Noncurrent loans to loans | 1.5451% | 1,206 |
| Net loans and leases to total assets | 37.9681% | 5,270 |
| Net loans and leases to deposits | 61.2933% | 4,568 |
| Net loans and leases to core deposits | 71.0618% | 4,183 |
| Total domestic deposits to total assets | 61.9448% | 5,637 |
| Equity capital to assets | 12.7393% | 1,520 |
| Core capital (leverage) ratio | 12.8764% | 1,261 |
| Tier 1 risk-based capital ratio | 28.1771% | 556 |
| Total risk-based capital ratio | 28.9144% | 576 |
| Memoranda: | ||
| Average total assets | $96,325,000 | 4,343 |
| Average earning assets | $88,261,750 | 4,366 |
| Average equity | $11,891,500 | 4,198 |
| Average total loans | $34,400,750 | 4,936 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9935% | 5,444 |
| Cost of funding earning assets | 0.9233% | 265 |
| Net interest margin | 2.0702% | 5,678 |
| Noninterest income to average assets | 0.1221% | 5,440 |
| Noninterest expense to average assets | 1.4813% | 5,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4752% | 4,771 |
| Return on assets (ROA) | 0.5462% | 4,579 |
| Pretax return on assets | 0.6186% | 4,766 |
| Return on Equity (ROE) | 4.4712% | 4,675 |
| Retained earnings to average equity (ytd only) | 1.0839% | 4,812 |
| Net charge-offs to loans | -0.1958% | 5,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3607% | 2,118 |
| Assets per employee ($millions) | 8.6594% | 471 |
| Cash dividends to net income (ytd only)* | 75.7576% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 4,455 |
| Loan loss allowance to noncurrent loans | 51.5913% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 1,752 |
| Noncurrent loans to loans | 1.8262% | 979 |
| Net loans and leases to total assets | 33.9968% | 5,446 |
| Net loans and leases to deposits | 54.7315% | 4,920 |
| Net loans and leases to core deposits | 62.4732% | 4,696 |
| Total domestic deposits to total assets | 62.1156% | 5,684 |
| Equity capital to assets | 12.5928% | 1,576 |
| Core capital (leverage) ratio | 12.5975% | 1,334 |
| Tier 1 risk-based capital ratio | 29.8616% | 468 |
| Total risk-based capital ratio | 30.6135% | 488 |
| Memoranda: | ||
| Average total assets | $96,670,670 | 4,365 |
| Average earning assets | $88,591,670 | 4,387 |
| Average equity | $11,809,000 | 4,220 |
| Average total loans | $33,700,000 | 4,989 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9622% | 5,494 |
| Cost of funding earning assets | 0.9008% | 281 |
| Net interest margin | 2.0615% | 5,747 |
| Noninterest income to average assets | 0.1314% | 5,459 |
| Noninterest expense to average assets | 1.4870% | 5,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4727% | 4,697 |
| Return on assets (ROA) | 0.5052% | 4,607 |
| Pretax return on assets | 0.5710% | 4,795 |
| Return on Equity (ROE) | 4.1994% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.1994% | 3,352 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5772% | 2,303 |
| Assets per employee ($millions) | 8.8651% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8172% | 5,019 |
| Loan loss allowance to noncurrent loans | 45.3048% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9865% | 1,855 |
| Noncurrent loans to loans | 1.8038% | 1,043 |
| Net loans and leases to total assets | 34.2262% | 5,461 |
| Net loans and leases to deposits | 55.9972% | 4,816 |
| Net loans and leases to core deposits | 63.8140% | 4,547 |
| Total domestic deposits to total assets | 61.1213% | 5,763 |
| Equity capital to assets | 12.1149% | 1,762 |
| Core capital (leverage) ratio | 12.6299% | 1,276 |
| Tier 1 risk-based capital ratio | 26.7954% | 640 |
| Total risk-based capital ratio | 27.3950% | 667 |
| Memoranda: | ||
| Average total assets | $97,379,500 | 4,399 |
| Average earning assets | $89,257,500 | 4,414 |
| Average equity | $11,716,000 | 4,267 |
| Average total loans | $34,204,500 | 5,023 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7087% | 5,686 |
| Cost of funding earning assets | 1.0263% | 148 |
| Net interest margin | 1.6825% | 5,839 |
| Noninterest income to average assets | 0.1239% | 5,566 |
| Noninterest expense to average assets | 1.8474% | 5,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0061% | 5,638 |
| Return on assets (ROA) | 0.1033% | 5,590 |
| Pretax return on assets | -0.0176% | 5,663 |
| Return on Equity (ROE) | 0.8186% | 5,591 |
| Retained earnings to average equity (ytd only) | -1.4735% | 5,491 |
| Net charge-offs to loans | -0.0723% | 5,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0923% | 123 |
| Assets per employee ($millions) | 8.8403% | 443 |
| Cash dividends to net income (ytd only)* | 280.0000% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 5,131 |
| Loan loss allowance to noncurrent loans | 43.3754% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 1.0767% | 1,750 |
| Noncurrent loans to loans | 1.8240% | 1,040 |
| Net loans and leases to total assets | 35.4607% | 5,502 |
| Net loans and leases to deposits | 57.9332% | 4,793 |
| Net loans and leases to core deposits | 65.9962% | 4,525 |
| Total domestic deposits to total assets | 61.2095% | 5,818 |
| Equity capital to assets | 11.9474% | 1,846 |
| Core capital (leverage) ratio | 12.8825% | 1,178 |
| Tier 1 risk-based capital ratio | 26.6446% | 649 |
| Total risk-based capital ratio | 27.2468% | 681 |
| Memoranda: | ||
| Average total assets | $96,836,200 | 4,408 |
| Average earning assets | $89,451,400 | 4,402 |
| Average equity | $12,215,600 | 4,220 |
| Average total loans | $30,429,400 | 5,175 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7244% | 5,752 |
| Cost of funding earning assets | 0.9965% | 175 |
| Net interest margin | 1.7279% | 5,904 |
| Noninterest income to average assets | 0.1268% | 5,619 |
| Noninterest expense to average assets | 1.8359% | 5,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0317% | 5,734 |
| Return on assets (ROA) | 0.1833% | 5,557 |
| Pretax return on assets | 0.1048% | 5,675 |
| Return on Equity (ROE) | 1.4341% | 5,573 |
| Retained earnings to average equity (ytd only) | -1.5851% | 5,563 |
| Net charge-offs to loans | 0.0909% | 2,054 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -3.9993% | 3,889 |
| Efficiency ratio | 106.3898% | 153 |
| Assets per employee ($millions) | 7.8696% | 620 |
| Cash dividends to net income (ytd only)* | 210.5228% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7280% | 5,369 |
| Loan loss allowance to noncurrent loans | 29.4937% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 1.2125% | 1,641 |
| Noncurrent loans to loans | 2.4683% | 716 |
| Net loans and leases to total assets | 33.6454% | 5,634 |
| Net loans and leases to deposits | 54.1674% | 5,102 |
| Net loans and leases to core deposits | 61.8164% | 4,844 |
| Total domestic deposits to total assets | 62.1136% | 5,870 |
| Equity capital to assets | 13.2673% | 1,362 |
| Core capital (leverage) ratio | 12.8990% | 1,229 |
| Tier 1 risk-based capital ratio | 27.8908% | 589 |
| Total risk-based capital ratio | 28.4235% | 615 |
| Memoranda: | ||
| Average total assets | $96,734,500 | 4,448 |
| Average earning assets | $89,508,750 | 4,437 |
| Average equity | $12,365,000 | 4,235 |
| Average total loans | $29,347,250 | 5,263 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7149% | 5,836 |
| Cost of funding earning assets | 0.9963% | 172 |
| Net interest margin | 1.7186% | 5,989 |
| Noninterest income to average assets | 0.1190% | 5,713 |
| Noninterest expense to average assets | 1.8236% | 5,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0451% | 5,792 |
| Return on assets (ROA) | 0.2174% | 5,551 |
| Pretax return on assets | 0.1538% | 5,667 |
| Return on Equity (ROE) | 1.7221% | 5,572 |
| Retained earnings to average equity (ytd only) | -2.8269% | 5,615 |
| Net charge-offs to loans | -0.0141% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3397% | 170 |
| Assets per employee ($millions) | 8.0883% | 542 |
| Cash dividends to net income (ytd only)* | 264.1509% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 5,228 |
| Loan loss allowance to noncurrent loans | 30.2491% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 1.3888% | 1,419 |
| Noncurrent loans to loans | 2.7059% | 599 |
| Net loans and leases to total assets | 31.8349% | 5,744 |
| Net loans and leases to deposits | 52.3872% | 5,233 |
| Net loans and leases to core deposits | 59.9969% | 4,981 |
| Total domestic deposits to total assets | 60.7686% | 5,965 |
| Equity capital to assets | 13.0764% | 1,459 |
| Core capital (leverage) ratio | 12.7446% | 1,258 |
| Tier 1 risk-based capital ratio | 30.0239% | 495 |
| Total risk-based capital ratio | 30.6529% | 515 |
| Memoranda: | ||
| Average total assets | $97,501,000 | 4,463 |
| Average earning assets | $90,538,330 | 4,447 |
| Average equity | $12,310,330 | 4,264 |
| Average total loans | $28,461,000 | 5,353 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8209% | 5,843 |
| Cost of funding earning assets | 1.0078% | 160 |
| Net interest margin | 1.8131% | 6,042 |
| Noninterest income to average assets | 0.1187% | 5,746 |
| Noninterest expense to average assets | 1.8174% | 5,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0737% | 5,716 |
| Return on assets (ROA) | 0.2128% | 5,569 |
| Pretax return on assets | 0.1269% | 5,709 |
| Return on Equity (ROE) | 1.7162% | 5,570 |
| Retained earnings to average equity (ytd only) | -7.5251% | 5,737 |
| Net charge-offs to loans | 0.0590% | 1,918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.7500% | 3,004 |
| Efficiency ratio | 100.6803% | 277 |
| Assets per employee ($millions) | 8.0948% | 548 |
| Cash dividends to net income (ytd only)* | 538.4615% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 5,108 |
| Loan loss allowance to noncurrent loans | 25.6701% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 1.4042% | 1,478 |
| Noncurrent loans to loans | 3.4485% | 400 |
| Net loans and leases to total assets | 28.7007% | 5,855 |
| Net loans and leases to deposits | 46.7196% | 5,476 |
| Net loans and leases to core deposits | 52.8793% | 5,316 |
| Total domestic deposits to total assets | 61.4318% | 6,027 |
| Equity capital to assets | 12.6224% | 1,607 |
| Core capital (leverage) ratio | 12.3983% | 1,379 |
| Tier 1 risk-based capital ratio | 31.0696% | 461 |
| Total risk-based capital ratio | 31.7079% | 478 |
| Memoranda: | ||
| Average total assets | $97,721,500 | 4,502 |
| Average earning assets | $90,894,500 | 4,482 |
| Average equity | $12,119,500 | 4,315 |
| Average total loans | $27,114,500 | 5,447 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9648% | 5,757 |
| Cost of funding earning assets | 0.9488% | 223 |
| Net interest margin | 2.0160% | 6,049 |
| Noninterest income to average assets | 0.1327% | 5,748 |
| Noninterest expense to average assets | 1.8920% | 5,626 |
| Loan and lease loss provision to assets | -0.0567% | 5,766 |
| Net operating income to assets | 0.1621% | 5,657 |
| Return on assets (ROA) | 0.2866% | 5,478 |
| Pretax return on assets | 0.2856% | 5,548 |
| Return on Equity (ROE) | 2.2879% | 5,502 |
| Retained earnings to average equity (ytd only) | -0.1374% | 5,532 |
| Net charge-offs to loans | -0.1407% | 5,875 |
| Credit loss provision to net charge-offs | 160.0000% | 1,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7742% | 450 |
| Assets per employee ($millions) | 7.5620% | 676 |
| Cash dividends to net income (ytd only)* | 106.0071% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 4,774 |
| Loan loss allowance to noncurrent loans | 26.6596% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 1.3661% | 1,537 |
| Noncurrent loans to loans | 3.6359% | 363 |
| Net loans and leases to total assets | 26.2934% | 5,970 |
| Net loans and leases to deposits | 43.3023% | 5,671 |
| Net loans and leases to core deposits | 48.5254% | 5,541 |
| Total domestic deposits to total assets | 60.7206% | 6,085 |
| Equity capital to assets | 12.1844% | 1,822 |
| Core capital (leverage) ratio | 12.6735% | 1,274 |
| Tier 1 risk-based capital ratio | 31.7518% | 436 |
| Total risk-based capital ratio | 32.4024% | 455 |
| Memoranda: | ||
| Average total assets | $98,734,000 | 4,481 |
| Average earning assets | $91,271,400 | 4,477 |
| Average equity | $12,369,600 | 4,231 |
| Average total loans | $24,870,800 | 5,560 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0149% | 5,797 |
| Cost of funding earning assets | 0.9314% | 245 |
| Net interest margin | 2.0835% | 6,107 |
| Noninterest income to average assets | 0.1187% | 5,882 |
| Noninterest expense to average assets | 1.8602% | 5,699 |
| Loan and lease loss provision to assets | -0.0553% | 5,926 |
| Net operating income to assets | 0.2190% | 5,644 |
| Return on assets (ROA) | 0.3143% | 5,494 |
| Pretax return on assets | 0.3386% | 5,578 |
| Return on Equity (ROE) | 2.4918% | 5,557 |
| Retained earnings to average equity (ytd only) | -0.7165% | 5,720 |
| Net charge-offs to loans | -0.1900% | 5,980 |
| Credit loss provision to net charge-offs | 117.1429% | 2,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1434% | 620 |
| Assets per employee ($millions) | 7.7552% | 605 |
| Cash dividends to net income (ytd only)* | 128.7549% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 4,495 |
| Loan loss allowance to noncurrent loans | 27.1530% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 1.4154% | 1,621 |
| Noncurrent loans to loans | 3.8514% | 358 |
| Net loans and leases to total assets | 25.1535% | 6,071 |
| Net loans and leases to deposits | 43.2991% | 5,751 |
| Net loans and leases to core deposits | 48.3913% | 5,638 |
| Total domestic deposits to total assets | 58.0924% | 6,192 |
| Equity capital to assets | 12.6249% | 1,673 |
| Core capital (leverage) ratio | 12.8522% | 1,252 |
| Tier 1 risk-based capital ratio | 33.2606% | 402 |
| Total risk-based capital ratio | 33.9568% | 416 |
| Memoranda: | ||
| Average total assets | $98,841,000 | 4,533 |
| Average earning assets | $91,190,000 | 4,531 |
| Average equity | $12,467,500 | 4,272 |
| Average total loans | $24,563,250 | 5,638 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8128% | 6,005 |
| Cost of funding earning assets | 0.9170% | 262 |
| Net interest margin | 1.8958% | 6,228 |
| Noninterest income to average assets | 0.4359% | 3,809 |
| Noninterest expense to average assets | 1.9168% | 5,680 |
| Loan and lease loss provision to assets | -0.0835% | 6,070 |
| Net operating income to assets | 0.3050% | 5,427 |
| Return on assets (ROA) | 0.3830% | 5,304 |
| Pretax return on assets | 0.4400% | 5,378 |
| Return on Equity (ROE) | 3.0370% | 5,391 |
| Retained earnings to average equity (ytd only) | -1.8093% | 5,809 |
| Net charge-offs to loans | -0.5618% | 6,213 |
| Credit loss provision to net charge-offs | 60.2941% | 2,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7799% | 921 |
| Assets per employee ($millions) | 8.2429% | 476 |
| Cash dividends to net income (ytd only)* | 159.5745% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 3,981 |
| Loan loss allowance to noncurrent loans | 31.2241% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 1.4790% | 1,673 |
| Noncurrent loans to loans | 3.7434% | 448 |
| Net loans and leases to total assets | 25.7302% | 6,136 |
| Net loans and leases to deposits | 42.7037% | 5,813 |
| Net loans and leases to core deposits | 47.6093% | 5,704 |
| Total domestic deposits to total assets | 60.2527% | 6,248 |
| Equity capital to assets | 12.3197% | 1,791 |
| Core capital (leverage) ratio | 12.9164% | 1,201 |
| Tier 1 risk-based capital ratio | 33.2361% | 420 |
| Total risk-based capital ratio | 34.0202% | 425 |
| Memoranda: | ||
| Average total assets | $98,182,330 | 4,586 |
| Average earning assets | $90,516,000 | 4,586 |
| Average equity | $12,380,670 | 4,307 |
| Average total loans | $24,208,670 | 5,703 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8360% | 6,044 |
| Cost of funding earning assets | 0.8951% | 296 |
| Net interest margin | 1.9409% | 6,289 |
| Noninterest income to average assets | 0.7565% | 1,878 |
| Noninterest expense to average assets | 1.9874% | 5,603 |
| Loan and lease loss provision to assets | -0.1677% | 6,252 |
| Net operating income to assets | 0.5684% | 4,410 |
| Return on assets (ROA) | 0.5684% | 4,514 |
| Pretax return on assets | 0.7279% | 4,511 |
| Return on Equity (ROE) | 4.4558% | 4,779 |
| Retained earnings to average equity (ytd only) | -5.1611% | 5,944 |
| Net charge-offs to loans | -1.1606% | 6,330 |
| Credit loss provision to net charge-offs | 60.2941% | 1,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0096% | 2,187 |
| Assets per employee ($millions) | 8.2379% | 493 |
| Cash dividends to net income (ytd only)* | 215.8273% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 3,592 |
| Loan loss allowance to noncurrent loans | 30.5274% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 1.5042% | 1,741 |
| Noncurrent loans to loans | 4.1549% | 401 |
| Net loans and leases to total assets | 23.7014% | 6,216 |
| Net loans and leases to deposits | 39.6393% | 5,928 |
| Net loans and leases to core deposits | 44.4769% | 5,827 |
| Total domestic deposits to total assets | 59.7926% | 6,325 |
| Equity capital to assets | 12.7783% | 1,521 |
| Core capital (leverage) ratio | 13.0631% | 1,135 |
| Tier 1 risk-based capital ratio | 36.3322% | 327 |
| Total risk-based capital ratio | 37.1927% | 334 |
| Memoranda: | ||
| Average total assets | $97,816,000 | 4,627 |
| Average earning assets | $90,267,500 | 4,634 |
| Average equity | $12,478,000 | 4,324 |
| Average total loans | $23,437,000 | 5,777 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9049% | 6,130 |
| Cost of funding earning assets | 0.9169% | 351 |
| Net interest margin | 1.9880% | 6,376 |
| Noninterest income to average assets | 0.2953% | 5,009 |
| Noninterest expense to average assets | 1.8315% | 6,029 |
| Loan and lease loss provision to assets | 0.1636% | 1,607 |
| Net operating income to assets | 0.1615% | 5,849 |
| Return on assets (ROA) | 0.3262% | 5,521 |
| Pretax return on assets | 0.2943% | 5,713 |
| Return on Equity (ROE) | 2.7523% | 5,557 |
| Retained earnings to average equity (ytd only) | 2.7523% | 4,284 |
| Net charge-offs to loans | 0.6331% | 619 |
| Credit loss provision to net charge-offs | 112.7660% | 2,107 |
| Earnings coverage of net charge-offs (x) | 2.0213% | 4,270 |
| Efficiency ratio | 86.1985% | 1,148 |
| Assets per employee ($millions) | 8.0648% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 4,108 |
| Loan loss allowance to noncurrent loans | 20.3264% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 1.7866% | 1,466 |
| Noncurrent loans to loans | 5.8247% | 206 |
| Net loans and leases to total assets | 23.6306% | 6,321 |
| Net loans and leases to deposits | 38.5454% | 6,081 |
| Net loans and leases to core deposits | 43.8599% | 5,960 |
| Total domestic deposits to total assets | 61.3059% | 6,391 |
| Equity capital to assets | 12.7344% | 1,515 |
| Core capital (leverage) ratio | 13.2986% | 1,026 |
| Tier 1 risk-based capital ratio | 37.1396% | 281 |
| Total risk-based capital ratio | 37.9303% | 287 |
| Memoranda: | ||
| Average total assets | $97,190,400 | 4,671 |
| Average earning assets | $89,436,600 | 4,671 |
| Average equity | $11,517,600 | 4,453 |
| Average total loans | $22,271,200 | 5,878 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9405% | 6,172 |
| Cost of funding earning assets | 0.9210% | 363 |
| Net interest margin | 2.0194% | 6,446 |
| Noninterest income to average assets | 0.3357% | 4,755 |
| Noninterest expense to average assets | 1.7897% | 6,104 |
| Loan and lease loss provision to assets | 0.2179% | 1,053 |
| Net operating income to assets | 0.2165% | 5,817 |
| Return on assets (ROA) | 0.3686% | 5,444 |
| Pretax return on assets | 0.3371% | 5,700 |
| Return on Equity (ROE) | 3.1695% | 5,484 |
| Retained earnings to average equity (ytd only) | 3.1695% | 4,372 |
| Net charge-offs to loans | 0.8525% | 387 |
| Credit loss provision to net charge-offs | 112.7660% | 2,006 |
| Earnings coverage of net charge-offs (x) | 2.0851% | 3,994 |
| Efficiency ratio | 81.6250% | 1,667 |
| Assets per employee ($millions) | 8.1183% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 4,200 |
| Loan loss allowance to noncurrent loans | 19.9563% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 1.8005% | 1,652 |
| Noncurrent loans to loans | 6.0309% | 233 |
| Net loans and leases to total assets | 23.0877% | 6,403 |
| Net loans and leases to deposits | 37.2273% | 6,209 |
| Net loans and leases to core deposits | 42.5453% | 6,102 |
| Total domestic deposits to total assets | 62.0181% | 6,466 |
| Equity capital to assets | 12.2059% | 1,906 |
| Core capital (leverage) ratio | 13.1616% | 1,118 |
| Tier 1 risk-based capital ratio | 36.5831% | 307 |
| Total risk-based capital ratio | 37.3648% | 316 |
| Memoranda: | ||
| Average total assets | $97,293,750 | 4,712 |
| Average earning assets | $89,461,000 | 4,715 |
| Average equity | $11,316,000 | 4,524 |
| Average total loans | $22,053,250 | 5,947 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9421% | 6,228 |
| Cost of funding earning assets | 0.9307% | 353 |
| Net interest margin | 2.0114% | 6,518 |
| Noninterest income to average assets | 0.4936% | 3,521 |
| Noninterest expense to average assets | 1.8180% | 6,121 |
| Loan and lease loss provision to assets | 0.0823% | 2,659 |
| Net operating income to assets | 0.3668% | 5,344 |
| Return on assets (ROA) | 0.4607% | 5,038 |
| Pretax return on assets | 0.5553% | 5,117 |
| Return on Equity (ROE) | 4.0272% | 5,131 |
| Retained earnings to average equity (ytd only) | 4.0272% | 3,617 |
| Net charge-offs to loans | 0.2934% | 1,372 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 7.9688% | 2,554 |
| Efficiency ratio | 77.6119% | 2,353 |
| Assets per employee ($millions) | 8.8979% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 4,590 |
| Loan loss allowance to noncurrent loans | 19.8347% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 1.5315% | 2,127 |
| Noncurrent loans to loans | 5.8738% | 278 |
| Net loans and leases to total assets | 22.8818% | 6,472 |
| Net loans and leases to deposits | 36.1728% | 6,285 |
| Net loans and leases to core deposits | 40.9171% | 6,195 |
| Total domestic deposits to total assets | 63.2569% | 6,522 |
| Equity capital to assets | 12.1019% | 1,916 |
| Core capital (leverage) ratio | 13.0541% | 1,136 |
| Tier 1 risk-based capital ratio | 36.1760% | 317 |
| Total risk-based capital ratio | 36.9235% | 324 |
| Memoranda: | ||
| Average total assets | $97,251,670 | 4,747 |
| Average earning assets | $89,392,670 | 4,742 |
| Average equity | $11,124,330 | 4,579 |
| Average total loans | $21,815,670 | 6,001 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9756% | 6,265 |
| Cost of funding earning assets | 0.9589% | 321 |
| Net interest margin | 2.0168% | 6,585 |
| Noninterest income to average assets | 0.1981% | 5,778 |
| Noninterest expense to average assets | 1.8197% | 6,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2175% | 5,753 |
| Return on assets (ROA) | 0.2888% | 5,580 |
| Pretax return on assets | 0.3012% | 5,715 |
| Return on Equity (ROE) | 2.6013% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.6013% | 4,513 |
| Net charge-offs to loans | -0.0561% | 5,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9113% | 1,138 |
| Assets per employee ($millions) | 8.8259% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 4,501 |
| Loan loss allowance to noncurrent loans | 26.5369% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 1.1948% | 2,868 |
| Noncurrent loans to loans | 4.6302% | 506 |
| Net loans and leases to total assets | 21.4451% | 6,551 |
| Net loans and leases to deposits | 33.6479% | 6,384 |
| Net loans and leases to core deposits | 38.2460% | 6,308 |
| Total domestic deposits to total assets | 63.7338% | 6,590 |
| Equity capital to assets | 11.4302% | 2,307 |
| Core capital (leverage) ratio | 13.0020% | 1,162 |
| Tier 1 risk-based capital ratio | 36.1525% | 314 |
| Total risk-based capital ratio | 36.8943% | 323 |
| Memoranda: | ||
| Average total assets | $96,939,000 | 4,799 |
| Average earning assets | $88,855,500 | 4,803 |
| Average equity | $10,764,000 | 4,677 |
| Average total loans | $21,393,500 | 6,077 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6495% | 6,570 |
| Cost of funding earning assets | 0.9877% | 476 |
| Net interest margin | 1.6618% | 6,705 |
| Noninterest income to average assets | 0.1752% | 6,039 |
| Noninterest expense to average assets | 1.9054% | 6,184 |
| Loan and lease loss provision to assets | 0.2401% | 1,507 |
| Net operating income to assets | -0.2316% | 6,382 |
| Return on assets (ROA) | -0.1894% | 6,365 |
| Pretax return on assets | -0.3485% | 6,437 |
| Return on Equity (ROE) | -1.6195% | 6,360 |
| Retained earnings to average equity (ytd only) | -1.6195% | 6,138 |
| Net charge-offs to loans | 1.2739% | 405 |
| Credit loss provision to net charge-offs | 82.8671% | 2,957 |
| Earnings coverage of net charge-offs (x) | -0.6014% | 5,217 |
| Efficiency ratio | 110.0644% | 268 |
| Assets per employee ($millions) | 8.7994% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 4,759 |
| Loan loss allowance to noncurrent loans | 24.4976% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 1.5156% | 2,449 |
| Noncurrent loans to loans | 4.8139% | 539 |
| Net loans and leases to total assets | 22.1628% | 6,632 |
| Net loans and leases to deposits | 34.4705% | 6,476 |
| Net loans and leases to core deposits | 39.3362% | 6,387 |
| Total domestic deposits to total assets | 64.2949% | 6,662 |
| Equity capital to assets | 10.7766% | 2,848 |
| Core capital (leverage) ratio | 12.9689% | 1,151 |
| Tier 1 risk-based capital ratio | 35.2118% | 317 |
| Total risk-based capital ratio | 35.9299% | 334 |
| Memoranda: | ||
| Average total assets | $98,722,000 | 4,771 |
| Average earning assets | $92,432,400 | 4,714 |
| Average equity | $11,546,800 | 4,538 |
| Average total loans | $22,450,600 | 6,099 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5654% | 6,673 |
| Cost of funding earning assets | 0.9850% | 533 |
| Net interest margin | 1.5803% | 6,799 |
| Noninterest income to average assets | 0.1210% | 6,413 |
| Noninterest expense to average assets | 1.8923% | 6,196 |
| Loan and lease loss provision to assets | 0.3185% | 1,056 |
| Net operating income to assets | -0.3664% | 6,552 |
| Return on assets (ROA) | -0.3105% | 6,542 |
| Pretax return on assets | -0.5147% | 6,605 |
| Return on Equity (ROE) | -2.6044% | 6,506 |
| Retained earnings to average equity (ytd only) | -2.6044% | 6,322 |
| Net charge-offs to loans | 1.6021% | 269 |
| Credit loss provision to net charge-offs | 87.1324% | 2,689 |
| Earnings coverage of net charge-offs (x) | -0.7757% | 4,987 |
| Efficiency ratio | 117.6274% | 194 |
| Assets per employee ($millions) | 8.8169% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 4,717 |
| Loan loss allowance to noncurrent loans | 25.3283% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 1.5775% | 2,569 |
| Noncurrent loans to loans | 4.8727% | 635 |
| Net loans and leases to total assets | 22.2785% | 6,713 |
| Net loans and leases to deposits | 34.7933% | 6,545 |
| Net loans and leases to core deposits | 39.6983% | 6,456 |
| Total domestic deposits to total assets | 64.0309% | 6,753 |
| Equity capital to assets | 11.1006% | 2,663 |
| Core capital (leverage) ratio | 12.8977% | 1,241 |
| Tier 1 risk-based capital ratio | 35.4132% | 330 |
| Total risk-based capital ratio | 36.1776% | 331 |
| Memoranda: | ||
| Average total assets | $99,204,250 | 4,803 |
| Average earning assets | $93,395,000 | 4,744 |
| Average equity | $11,825,750 | 4,532 |
| Average total loans | $22,636,250 | 6,154 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5005% | 6,734 |
| Cost of funding earning assets | 0.9724% | 633 |
| Net interest margin | 1.5281% | 6,853 |
| Noninterest income to average assets | 0.0921% | 6,553 |
| Noninterest expense to average assets | 1.8731% | 6,265 |
| Loan and lease loss provision to assets | 0.0880% | 3,319 |
| Net operating income to assets | -0.2613% | 6,530 |
| Return on assets (ROA) | -0.1781% | 6,511 |
| Pretax return on assets | -0.2862% | 6,549 |
| Return on Equity (ROE) | -1.4615% | 6,493 |
| Retained earnings to average equity (ytd only) | -1.4615% | 6,121 |
| Net charge-offs to loans | 0.9524% | 646 |
| Credit loss provision to net charge-offs | 40.3670% | 3,412 |
| Earnings coverage of net charge-offs (x) | -1.5046% | 4,744 |
| Efficiency ratio | 121.2435% | 172 |
| Assets per employee ($millions) | 8.2079% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 5,458 |
| Loan loss allowance to noncurrent loans | 20.7792% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 1.5737% | 2,749 |
| Noncurrent loans to loans | 5.2788% | 589 |
| Net loans and leases to total assets | 21.9707% | 6,764 |
| Net loans and leases to deposits | 34.3095% | 6,598 |
| Net loans and leases to core deposits | 39.0501% | 6,505 |
| Total domestic deposits to total assets | 64.0368% | 6,796 |
| Equity capital to assets | 11.4189% | 2,361 |
| Core capital (leverage) ratio | 12.8443% | 1,232 |
| Tier 1 risk-based capital ratio | 37.3142% | 281 |
| Total risk-based capital ratio | 38.0221% | 284 |
| Memoranda: | ||
| Average total assets | $99,943,670 | 4,817 |
| Average earning assets | $95,019,670 | 4,725 |
| Average equity | $12,179,000 | 4,491 |
| Average total loans | $22,889,330 | 6,176 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4593% | 6,828 |
| Cost of funding earning assets | 0.9631% | 731 |
| Net interest margin | 1.4963% | 6,936 |
| Noninterest income to average assets | 0.0517% | 6,731 |
| Noninterest expense to average assets | 1.8556% | 6,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2364% | 6,535 |
| Return on assets (ROA) | -0.1589% | 6,533 |
| Pretax return on assets | -0.2464% | 6,566 |
| Return on Equity (ROE) | -1.2653% | 6,516 |
| Retained earnings to average equity (ytd only) | -1.2653% | 5,988 |
| Net charge-offs to loans | -0.0684% | 6,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.5333% | 185 |
| Assets per employee ($millions) | 8.3001% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 4,469 |
| Loan loss allowance to noncurrent loans | 20.2756% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 1.6154% | 2,840 |
| Noncurrent loans to loans | 6.6571% | 470 |
| Net loans and leases to total assets | 22.6745% | 6,805 |
| Net loans and leases to deposits | 35.8772% | 6,575 |
| Net loans and leases to core deposits | 41.3104% | 6,425 |
| Total domestic deposits to total assets | 63.2002% | 6,884 |
| Equity capital to assets | 12.6073% | 1,645 |
| Core capital (leverage) ratio | 12.7509% | 1,217 |
| Tier 1 risk-based capital ratio | 39.3676% | 245 |
| Total risk-based capital ratio | 40.3255% | 245 |
| Memoranda: | ||
| Average total assets | $100,668,000 | 4,849 |
| Average earning assets | $96,774,000 | 4,717 |
| Average equity | $12,645,000 | 4,443 |
| Average total loans | $23,394,000 | 6,203 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9464% | 6,798 |
| Cost of funding earning assets | 1.1684% | 668 |
| Net interest margin | 1.7780% | 6,967 |
| Noninterest income to average assets | 0.0670% | 6,630 |
| Noninterest expense to average assets | 1.6933% | 6,728 |
| Loan and lease loss provision to assets | 0.0067% | 5,839 |
| Net operating income to assets | 0.0516% | 6,086 |
| Return on assets (ROA) | 0.3301% | 5,576 |
| Pretax return on assets | 0.4994% | 5,283 |
| Return on Equity (ROE) | 2.5918% | 5,716 |
| Retained earnings to average equity (ytd only) | -2.6670% | 6,236 |
| Net charge-offs to loans | 0.6790% | 1,737 |
| Credit loss provision to net charge-offs | 3.9326% | 5,458 |
| Earnings coverage of net charge-offs (x) | 0.4944% | 5,242 |
| Efficiency ratio | 95.2637% | 736 |
| Assets per employee ($millions) | 8.4779% | 405 |
| Cash dividends to net income (ytd only)* | 202.8986% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 4,751 |
| Loan loss allowance to noncurrent loans | 18.5410% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 1.7093% | 2,836 |
| Noncurrent loans to loans | 6.8843% | 471 |
| Net loans and leases to total assets | 23.1877% | 6,874 |
| Net loans and leases to deposits | 37.5183% | 6,648 |
| Net loans and leases to core deposits | 42.9745% | 6,503 |
| Total domestic deposits to total assets | 61.8037% | 6,955 |
| Equity capital to assets | 12.5159% | 1,705 |
| Core capital (leverage) ratio | 12.5227% | 1,312 |
| Tier 1 risk-based capital ratio | 38.6658% | 256 |
| Total risk-based capital ratio | 39.5915% | 263 |
| Memoranda: | ||
| Average total assets | $104,528,000 | 4,719 |
| Average earning assets | $100,563,200 | 4,584 |
| Average equity | $13,311,000 | 4,293 |
| Average total loans | $26,214,400 | 6,127 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0454% | 6,878 |
| Cost of funding earning assets | 1.1979% | 696 |
| Net interest margin | 1.8475% | 7,069 |
| Noninterest income to average assets | 0.0988% | 6,616 |
| Noninterest expense to average assets | 1.6459% | 6,833 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1515% | 6,031 |
| Return on assets (ROA) | 0.3865% | 5,516 |
| Pretax return on assets | 0.5854% | 5,218 |
| Return on Equity (ROE) | 3.0223% | 5,672 |
| Retained earnings to average equity (ytd only) | 3.0223% | 4,739 |
| Net charge-offs to loans | 0.2786% | 3,050 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.2324% | 3,736 |
| Efficiency ratio | 87.7703% | 1,219 |
| Assets per employee ($millions) | 8.8400% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6825% | 3,204 |
| Loan loss allowance to noncurrent loans | 23.0011% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 1.8524% | 2,860 |
| Noncurrent loans to loans | 7.3148% | 481 |
| Net loans and leases to total assets | 23.1363% | 6,986 |
| Net loans and leases to deposits | 39.3475% | 6,703 |
| Net loans and leases to core deposits | 45.0992% | 6,559 |
| Total domestic deposits to total assets | 58.8000% | 7,078 |
| Equity capital to assets | 12.7988% | 1,708 |
| Core capital (leverage) ratio | 12.6320% | 1,349 |
| Tier 1 risk-based capital ratio | 38.8992% | 266 |
| Total risk-based capital ratio | 40.1184% | 263 |
| Memoranda: | ||
| Average total assets | $105,226,250 | 4,745 |
| Average earning assets | $101,178,750 | 4,617 |
| Average equity | $13,455,500 | 4,305 |
| Average total loans | $26,794,250 | 6,174 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2042% | 6,867 |
| Cost of funding earning assets | 1.2269% | 727 |
| Net interest margin | 1.9773% | 7,110 |
| Noninterest income to average assets | 0.1201% | 6,584 |
| Noninterest expense to average assets | 1.6847% | 6,849 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2206% | 5,854 |
| Return on assets (ROA) | 0.4231% | 5,365 |
| Pretax return on assets | 0.6404% | 4,994 |
| Return on Equity (ROE) | 3.3097% | 5,554 |
| Retained earnings to average equity (ytd only) | 3.3097% | 4,400 |
| Net charge-offs to loans | 0.3503% | 2,616 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.6458% | 3,312 |
| Efficiency ratio | 83.4750% | 1,689 |
| Assets per employee ($millions) | 8.8188% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 3,385 |
| Loan loss allowance to noncurrent loans | 24.8693% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 1.7293% | 3,133 |
| Noncurrent loans to loans | 6.6812% | 606 |
| Net loans and leases to total assets | 23.9367% | 7,038 |
| Net loans and leases to deposits | 40.7362% | 6,709 |
| Net loans and leases to core deposits | 46.0363% | 6,572 |
| Total domestic deposits to total assets | 58.7602% | 7,142 |
| Equity capital to assets | 12.7569% | 1,651 |
| Core capital (leverage) ratio | 12.5840% | 1,315 |
| Tier 1 risk-based capital ratio | 38.6101% | 261 |
| Total risk-based capital ratio | 39.8510% | 254 |
| Memoranda: | ||
| Average total assets | $104,941,670 | 4,778 |
| Average earning assets | $100,744,000 | 4,649 |
| Average equity | $13,415,000 | 4,317 |
| Average total loans | $27,404,670 | 6,185 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2840% | 6,901 |
| Cost of funding earning assets | 1.2704% | 715 |
| Net interest margin | 2.0135% | 7,161 |
| Noninterest income to average assets | 0.2144% | 6,087 |
| Noninterest expense to average assets | 1.7493% | 6,856 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2617% | 5,775 |
| Return on assets (ROA) | 0.3981% | 5,453 |
| Pretax return on assets | 0.6010% | 5,118 |
| Return on Equity (ROE) | 3.1109% | 5,678 |
| Retained earnings to average equity (ytd only) | 3.1109% | 4,698 |
| Net charge-offs to loans | 0.5952% | 1,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.4524% | 3,198 |
| Efficiency ratio | 81.6071% | 1,987 |
| Assets per employee ($millions) | 8.7884% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5624% | 3,880 |
| Loan loss allowance to noncurrent loans | 24.7576% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 1.7798% | 3,199 |
| Noncurrent loans to loans | 6.3107% | 765 |
| Net loans and leases to total assets | 25.9281% | 7,042 |
| Net loans and leases to deposits | 44.1645% | 6,549 |
| Net loans and leases to core deposits | 49.9215% | 6,349 |
| Total domestic deposits to total assets | 58.7080% | 7,206 |
| Equity capital to assets | 12.6909% | 1,599 |
| Core capital (leverage) ratio | 12.5155% | 1,337 |
| Tier 1 risk-based capital ratio | 37.3878% | 279 |
| Total risk-based capital ratio | 38.6171% | 273 |
| Memoranda: | ||
| Average total assets | $104,500,000 | 4,823 |
| Average earning assets | $100,123,000 | 4,695 |
| Average equity | $13,372,500 | 4,334 |
| Average total loans | $28,227,500 | 6,190 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 6,840 |
| Cost of funding earning assets | 1.3837% | 1,106 |
| Net interest margin | 2.3230% | 7,139 |
| Noninterest income to average assets | 0.2353% | 5,851 |
| Noninterest expense to average assets | 1.7463% | 7,015 |
| Loan and lease loss provision to assets | -1.2247% | 7,352 |
| Net operating income to assets | 1.2754% | 1,304 |
| Return on assets (ROA) | 1.3832% | 1,148 |
| Pretax return on assets | 2.0959% | 446 |
| Return on Equity (ROE) | 11.0993% | 1,665 |
| Retained earnings to average equity (ytd only) | 5.3184% | 2,436 |
| Net charge-offs to loans | -3.9320% | 7,314 |
| Credit loss provision to net charge-offs | 105.3719% | 3,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1546% | 3,757 |
| Assets per employee ($millions) | 8.6283% | 372 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 3,336 |
| Loan loss allowance to noncurrent loans | 24.6632% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 2.4416% | 2,495 |
| Noncurrent loans to loans | 6.7301% | 677 |
| Net loans and leases to total assets | 27.2371% | 7,084 |
| Net loans and leases to deposits | 47.0252% | 6,564 |
| Net loans and leases to core deposits | 51.8906% | 6,435 |
| Total domestic deposits to total assets | 57.9202% | 7,253 |
| Equity capital to assets | 12.9043% | 1,537 |
| Core capital (leverage) ratio | 12.6968% | 1,267 |
| Tier 1 risk-based capital ratio | 36.6786% | 294 |
| Total risk-based capital ratio | 37.9306% | 293 |
| Memoranda: | ||
| Average total assets | $104,108,400 | 4,789 |
| Average earning assets | $99,441,600 | 4,649 |
| Average equity | $12,973,800 | 4,343 |
| Average total loans | $30,773,200 | 6,128 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8338% | 6,800 |
| Cost of funding earning assets | 1.3981% | 1,242 |
| Net interest margin | 2.4357% | 7,163 |
| Noninterest income to average assets | 0.1074% | 6,717 |
| Noninterest expense to average assets | 1.7189% | 7,078 |
| Loan and lease loss provision to assets | -1.6306% | 7,432 |
| Net operating income to assets | 1.5461% | 857 |
| Return on assets (ROA) | 1.6626% | 753 |
| Pretax return on assets | 2.5195% | 238 |
| Return on Equity (ROE) | 13.4604% | 1,167 |
| Retained earnings to average equity (ytd only) | 5.6948% | 2,749 |
| Net charge-offs to loans | -5.2825% | 7,393 |
| Credit loss provision to net charge-offs | 102.8226% | 3,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6996% | 3,812 |
| Assets per employee ($millions) | 8.6325% | 378 |
| Cash dividends to net income (ytd only)* | 57.6926% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 3,413 |
| Loan loss allowance to noncurrent loans | 30.0654% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 2.1633% | 2,949 |
| Noncurrent loans to loans | 5.5238% | 1,074 |
| Net loans and leases to total assets | 28.9236% | 7,122 |
| Net loans and leases to deposits | 49.1213% | 6,556 |
| Net loans and leases to core deposits | 54.0889% | 6,455 |
| Total domestic deposits to total assets | 58.8821% | 7,314 |
| Equity capital to assets | 12.9057% | 1,664 |
| Core capital (leverage) ratio | 12.5823% | 1,396 |
| Tier 1 risk-based capital ratio | 35.4980% | 334 |
| Total risk-based capital ratio | 36.7502% | 325 |
| Memoranda: | ||
| Average total assets | $104,250,750 | 4,809 |
| Average earning assets | $99,463,750 | 4,684 |
| Average equity | $12,877,000 | 4,372 |
| Average total loans | $31,297,250 | 6,173 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 6,830 |
| Cost of funding earning assets | 1.4129% | 1,360 |
| Net interest margin | 2.4681% | 7,202 |
| Noninterest income to average assets | -0.0402% | 7,249 |
| Noninterest expense to average assets | 1.7517% | 7,134 |
| Loan and lease loss provision to assets | -1.7804% | 7,507 |
| Net operating income to assets | 1.5437% | 817 |
| Return on assets (ROA) | 1.6751% | 673 |
| Pretax return on assets | 2.5385% | 231 |
| Return on Equity (ROE) | 13.7654% | 1,027 |
| Retained earnings to average equity (ytd only) | 13.7654% | 332 |
| Net charge-offs to loans | -5.7390% | 7,468 |
| Credit loss provision to net charge-offs | 102.6490% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8078% | 3,050 |
| Assets per employee ($millions) | 9.6326% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6717% | 3,415 |
| Loan loss allowance to noncurrent loans | 34.9324% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 1.9423% | 3,321 |
| Noncurrent loans to loans | 4.7855% | 1,376 |
| Net loans and leases to total assets | 28.6998% | 7,223 |
| Net loans and leases to deposits | 49.4705% | 6,636 |
| Net loans and leases to core deposits | 54.4114% | 6,534 |
| Total domestic deposits to total assets | 58.0139% | 7,391 |
| Equity capital to assets | 12.6181% | 1,725 |
| Core capital (leverage) ratio | 12.5438% | 1,339 |
| Tier 1 risk-based capital ratio | 35.2031% | 338 |
| Total risk-based capital ratio | 36.4542% | 332 |
| Memoranda: | ||
| Average total assets | $104,471,000 | 4,846 |
| Average earning assets | $99,509,670 | 4,719 |
| Average equity | $12,713,000 | 4,400 |
| Average total loans | $31,573,670 | 6,222 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 6,986 |
| Cost of funding earning assets | 1.4496% | 1,386 |
| Net interest margin | 2.3217% | 7,303 |
| Noninterest income to average assets | -0.0347% | 7,340 |
| Noninterest expense to average assets | 1.9243% | 6,948 |
| Loan and lease loss provision to assets | -1.9281% | 7,568 |
| Net operating income to assets | 1.4419% | 1,001 |
| Return on assets (ROA) | 1.5309% | 862 |
| Pretax return on assets | 2.3215% | 326 |
| Return on Equity (ROE) | 12.8225% | 1,239 |
| Retained earnings to average equity (ytd only) | 12.8225% | 617 |
| Net charge-offs to loans | -5.9692% | 7,525 |
| Credit loss provision to net charge-offs | 105.0420% | 2,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1625% | 1,494 |
| Assets per employee ($millions) | 9.3289% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 3,554 |
| Loan loss allowance to noncurrent loans | 33.5279% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 2.0893% | 3,209 |
| Noncurrent loans to loans | 4.9040% | 1,384 |
| Net loans and leases to total assets | 30.1380% | 7,224 |
| Net loans and leases to deposits | 49.9209% | 6,629 |
| Net loans and leases to core deposits | 55.1805% | 6,475 |
| Total domestic deposits to total assets | 60.3715% | 7,430 |
| Equity capital to assets | 12.2074% | 1,788 |
| Core capital (leverage) ratio | 12.4421% | 1,353 |
| Tier 1 risk-based capital ratio | 34.0968% | 374 |
| Total risk-based capital ratio | 35.3486% | 362 |
| Memoranda: | ||
| Average total assets | $103,727,000 | 4,897 |
| Average earning assets | $99,064,000 | 4,767 |
| Average equity | $12,384,500 | 4,470 |
| Average total loans | $31,897,000 | 6,247 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1758% | 6,963 |
| Cost of funding earning assets | 2.0688% | 473 |
| Net interest margin | 2.1070% | 7,428 |
| Noninterest income to average assets | -0.0857% | 7,380 |
| Noninterest expense to average assets | 1.8247% | 7,240 |
| Loan and lease loss provision to assets | 0.2943% | 4,446 |
| Net operating income to assets | -0.1433% | 6,041 |
| Return on assets (ROA) | 0.0105% | 5,940 |
| Pretax return on assets | 0.0152% | 5,866 |
| Return on Equity (ROE) | 0.0898% | 5,947 |
| Retained earnings to average equity (ytd only) | 0.0898% | 5,545 |
| Net charge-offs to loans | 1.0543% | 2,094 |
| Credit loss provision to net charge-offs | 84.6575% | 5,359 |
| Earnings coverage of net charge-offs (x) | 0.2493% | 5,863 |
| Efficiency ratio | 95.4659% | 989 |
| Assets per employee ($millions) | 9.5305% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 3,324 |
| Loan loss allowance to noncurrent loans | 32.7482% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 2.2034% | 3,094 |
| Noncurrent loans to loans | 5.1066% | 1,304 |
| Net loans and leases to total assets | 30.3417% | 7,339 |
| Net loans and leases to deposits | 50.8131% | 6,812 |
| Net loans and leases to core deposits | 57.5000% | 6,597 |
| Total domestic deposits to total assets | 59.7123% | 7,511 |
| Equity capital to assets | 11.6773% | 2,143 |
| Core capital (leverage) ratio | 11.8144% | 1,660 |
| Tier 1 risk-based capital ratio | 32.4051% | 420 |
| Total risk-based capital ratio | 33.6564% | 411 |
| Memoranda: | ||
| Average total assets | $105,003,200 | 4,848 |
| Average earning assets | $99,526,000 | 4,738 |
| Average equity | $12,254,200 | 4,543 |
| Average total loans | $34,618,600 | 6,174 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 6,942 |
| Cost of funding earning assets | 2.1596% | 433 |
| Net interest margin | 2.1610% | 7,526 |
| Noninterest income to average assets | -0.1028% | 7,540 |
| Noninterest expense to average assets | 1.8100% | 7,316 |
| Loan and lease loss provision to assets | 0.4887% | 3,026 |
| Net operating income to assets | -0.2363% | 6,365 |
| Return on assets (ROA) | -0.0495% | 6,212 |
| Pretax return on assets | -0.0749% | 6,194 |
| Return on Equity (ROE) | -0.4242% | 6,204 |
| Retained earnings to average equity (ytd only) | -0.4242% | 5,898 |
| Net charge-offs to loans | 1.6787% | 1,174 |
| Credit loss provision to net charge-offs | 86.9074% | 4,888 |
| Earnings coverage of net charge-offs (x) | 0.2325% | 5,781 |
| Efficiency ratio | 93.2636% | 1,036 |
| Assets per employee ($millions) | 8.6128% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 3,447 |
| Loan loss allowance to noncurrent loans | 33.1692% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 2.4982% | 2,874 |
| Noncurrent loans to loans | 4.8828% | 1,440 |
| Net loans and leases to total assets | 31.6785% | 7,421 |
| Net loans and leases to deposits | 51.3592% | 6,919 |
| Net loans and leases to core deposits | 58.2590% | 6,713 |
| Total domestic deposits to total assets | 61.6802% | 7,568 |
| Equity capital to assets | 12.0353% | 2,137 |
| Core capital (leverage) ratio | 11.9638% | 1,688 |
| Tier 1 risk-based capital ratio | 31.8256% | 442 |
| Total risk-based capital ratio | 33.0775% | 432 |
| Memoranda: | ||
| Average total assets | $105,045,000 | 4,907 |
| Average earning assets | $99,335,000 | 4,806 |
| Average equity | $12,257,250 | 4,608 |
| Average total loans | $35,185,750 | 6,230 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3665% | 6,956 |
| Cost of funding earning assets | 2.2023% | 462 |
| Net interest margin | 2.1642% | 7,597 |
| Noninterest income to average assets | -0.1515% | 7,661 |
| Noninterest expense to average assets | 1.8445% | 7,340 |
| Loan and lease loss provision to assets | 0.7291% | 1,998 |
| Net operating income to assets | -0.4485% | 6,611 |
| Return on assets (ROA) | -0.4147% | 6,623 |
| Pretax return on assets | -0.6287% | 6,684 |
| Return on Equity (ROE) | -3.5911% | 6,580 |
| Retained earnings to average equity (ytd only) | -3.5911% | 6,385 |
| Net charge-offs to loans | 2.4567% | 710 |
| Credit loss provision to net charge-offs | 87.5000% | 4,500 |
| Earnings coverage of net charge-offs (x) | 0.0591% | 5,660 |
| Efficiency ratio | 97.4000% | 902 |
| Assets per employee ($millions) | 8.3054% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 3,587 |
| Loan loss allowance to noncurrent loans | 34.5443% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 2.3905% | 3,010 |
| Noncurrent loans to loans | 4.5422% | 1,601 |
| Net loans and leases to total assets | 31.4912% | 7,494 |
| Net loans and leases to deposits | 51.8632% | 6,986 |
| Net loans and leases to core deposits | 58.0271% | 6,827 |
| Total domestic deposits to total assets | 60.7196% | 7,647 |
| Equity capital to assets | 11.3309% | 2,566 |
| Core capital (leverage) ratio | 11.2857% | 2,041 |
| Tier 1 risk-based capital ratio | 30.1563% | 498 |
| Total risk-based capital ratio | 31.4071% | 488 |
| Memoranda: | ||
| Average total assets | $105,608,670 | 4,924 |
| Average earning assets | $99,804,330 | 4,815 |
| Average equity | $12,196,670 | 4,629 |
| Average total loans | $35,821,000 | 6,255 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 6,414 |
| Cost of funding earning assets | 2.2395% | 522 |
| Net interest margin | 2.4096% | 7,526 |
| Noninterest income to average assets | -0.2413% | 7,813 |
| Noninterest expense to average assets | 2.0071% | 7,147 |
| Loan and lease loss provision to assets | 0.8044% | 1,571 |
| Net operating income to assets | -0.5105% | 6,837 |
| Return on assets (ROA) | -0.4903% | 6,845 |
| Pretax return on assets | -0.7431% | 6,920 |
| Return on Equity (ROE) | -4.2043% | 6,840 |
| Retained earnings to average equity (ytd only) | -4.2043% | 6,525 |
| Net charge-offs to loans | 3.0389% | 504 |
| Credit loss provision to net charge-offs | 75.8123% | 3,980 |
| Earnings coverage of net charge-offs (x) | 0.0289% | 5,006 |
| Efficiency ratio | 98.4962% | 902 |
| Assets per employee ($millions) | 8.1186% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 4,065 |
| Loan loss allowance to noncurrent loans | 25.0947% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 2.7316% | 2,663 |
| Noncurrent loans to loans | 5.8603% | 1,136 |
| Net loans and leases to total assets | 33.6444% | 7,505 |
| Net loans and leases to deposits | 55.4023% | 6,817 |
| Net loans and leases to core deposits | 60.6805% | 6,696 |
| Total domestic deposits to total assets | 60.7275% | 7,748 |
| Equity capital to assets | 11.6361% | 2,275 |
| Core capital (leverage) ratio | 11.6236% | 1,843 |
| Tier 1 risk-based capital ratio | 30.3915% | 510 |
| Total risk-based capital ratio | 31.6427% | 495 |
| Memoranda: | ||
| Average total assets | $104,428,000 | 5,024 |
| Average earning assets | $98,773,000 | 4,910 |
| Average equity | $12,178,000 | 4,672 |
| Average total loans | $36,460,000 | 6,284 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 6,077 |
| Cost of funding earning assets | 2.4308% | 1,207 |
| Net interest margin | 2.6715% | 7,248 |
| Noninterest income to average assets | -0.1224% | 7,817 |
| Noninterest expense to average assets | 1.7928% | 7,616 |
| Loan and lease loss provision to assets | 1.2956% | 1,787 |
| Net operating income to assets | -0.4943% | 6,172 |
| Return on assets (ROA) | -0.2729% | 5,929 |
| Pretax return on assets | -0.3671% | 5,890 |
| Return on Equity (ROE) | -2.0198% | 5,861 |
| Retained earnings to average equity (ytd only) | -13.5203% | 6,784 |
| Net charge-offs to loans | 3.0060% | 706 |
| Credit loss provision to net charge-offs | 111.9128% | 4,901 |
| Earnings coverage of net charge-offs (x) | 0.5436% | 5,567 |
| Efficiency ratio | 74.0176% | 3,891 |
| Assets per employee ($millions) | 7.9472% | 528 |
| Cash dividends to net income (ytd only)* | -569.3950% | 7,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 3,204 |
| Loan loss allowance to noncurrent loans | 26.9526% | 6,688 |
| Noncurrent assets plus other real estate owned to assets | 3.3761% | 2,013 |
| Noncurrent loans to loans | 6.0058% | 1,046 |
| Net loans and leases to total assets | 35.1201% | 7,555 |
| Net loans and leases to deposits | 56.6389% | 6,884 |
| Net loans and leases to core deposits | 92.2459% | 4,857 |
| Total domestic deposits to total assets | 62.0071% | 7,758 |
| Equity capital to assets | 11.6877% | 2,197 |
| Core capital (leverage) ratio | 11.9595% | 1,681 |
| Tier 1 risk-based capital ratio | 30.3388% | 505 |
| Total risk-based capital ratio | 31.5921% | 493 |
| Memoranda: | ||
| Average total assets | $102,967,200 | 5,014 |
| Average earning assets | $98,072,800 | 4,892 |
| Average equity | $13,912,400 | 4,275 |
| Average total loans | $39,654,000 | 6,131 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2029% | 5,865 |
| Cost of funding earning assets | 2.4596% | 1,414 |
| Net interest margin | 2.7433% | 7,144 |
| Noninterest income to average assets | -0.1153% | 7,938 |
| Noninterest expense to average assets | 1.6459% | 7,801 |
| Loan and lease loss provision to assets | 0.8968% | 2,145 |
| Net operating income to assets | -0.0267% | 5,755 |
| Return on assets (ROA) | 0.1361% | 5,428 |
| Pretax return on assets | 0.1970% | 5,309 |
| Return on Equity (ROE) | 0.9741% | 5,507 |
| Retained earnings to average equity (ytd only) | 0.9741% | 4,768 |
| Net charge-offs to loans | 2.8882% | 600 |
| Credit loss provision to net charge-offs | 79.1762% | 5,788 |
| Earnings coverage of net charge-offs (x) | 0.7574% | 5,286 |
| Efficiency ratio | 65.7350% | 5,417 |
| Assets per employee ($millions) | 7.7761% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7151% | 7,333 |
| Loan loss allowance to noncurrent loans | 13.6092% | 7,370 |
| Noncurrent assets plus other real estate owned to assets | 3.3456% | 2,012 |
| Noncurrent loans to loans | 5.2542% | 1,218 |
| Net loans and leases to total assets | 37.4977% | 7,571 |
| Net loans and leases to deposits | 60.8248% | 6,765 |
| Net loans and leases to core deposits | 98.1868% | 4,579 |
| Total domestic deposits to total assets | 61.6486% | 7,829 |
| Equity capital to assets | 14.3962% | 1,172 |
| Core capital (leverage) ratio | 14.2495% | 1,022 |
| Tier 1 risk-based capital ratio | 35.6046% | 370 |
| Total risk-based capital ratio | 36.2806% | 378 |
| Memoranda: | ||
| Average total assets | $102,880,500 | 5,049 |
| Average earning assets | $98,225,750 | 4,916 |
| Average equity | $14,371,750 | 4,214 |
| Average total loans | $40,347,250 | 6,139 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2097% | 6,044 |
| Cost of funding earning assets | 2.4704% | 1,713 |
| Net interest margin | 2.7393% | 7,123 |
| Noninterest income to average assets | 0.0309% | 7,834 |
| Noninterest expense to average assets | 1.6661% | 7,867 |
| Loan and lease loss provision to assets | 1.2447% | 1,377 |
| Net operating income to assets | -0.1630% | 6,121 |
| Return on assets (ROA) | -0.0406% | 5,975 |
| Pretax return on assets | -0.0696% | 5,963 |
| Return on Equity (ROE) | -0.2935% | 5,965 |
| Retained earnings to average equity (ytd only) | -0.2935% | 5,296 |
| Net charge-offs to loans | 3.9542% | 358 |
| Credit loss provision to net charge-offs | 79.3103% | 5,215 |
| Earnings coverage of net charge-offs (x) | 0.6268% | 5,082 |
| Efficiency ratio | 62.8738% | 6,104 |
| Assets per employee ($millions) | 8.0408% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7459% | 7,312 |
| Loan loss allowance to noncurrent loans | 14.8167% | 7,368 |
| Noncurrent assets plus other real estate owned to assets | 3.3053% | 1,884 |
| Noncurrent loans to loans | 5.0344% | 1,215 |
| Net loans and leases to total assets | 36.5331% | 7,687 |
| Net loans and leases to deposits | 61.4647% | 6,780 |
| Net loans and leases to core deposits | 96.7618% | 4,816 |
| Total domestic deposits to total assets | 59.4375% | 7,948 |
| Equity capital to assets | 13.5397% | 1,481 |
| Core capital (leverage) ratio | 13.6231% | 1,233 |
| Tier 1 risk-based capital ratio | 34.2290% | 438 |
| Total risk-based capital ratio | 34.9182% | 444 |
| Memoranda: | ||
| Average total assets | $103,477,670 | 5,061 |
| Average earning assets | $98,930,330 | 4,923 |
| Average equity | $14,311,330 | 4,237 |
| Average total loans | $41,070,000 | 6,154 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3192% | 5,814 |
| Cost of funding earning assets | 2.5100% | 1,880 |
| Net interest margin | 2.8091% | 6,973 |
| Noninterest income to average assets | 0.0738% | 7,682 |
| Noninterest expense to average assets | 1.6241% | 7,890 |
| Loan and lease loss provision to assets | 0.0777% | 5,984 |
| Net operating income to assets | 0.7132% | 3,493 |
| Return on assets (ROA) | 0.8043% | 3,268 |
| Pretax return on assets | 1.2083% | 2,601 |
| Return on Equity (ROE) | 5.7538% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.7538% | 2,750 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5434% | 6,618 |
| Assets per employee ($millions) | 8.1573% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 5,204 |
| Loan loss allowance to noncurrent loans | 12.8032% | 7,468 |
| Noncurrent assets plus other real estate owned to assets | 3.9087% | 1,334 |
| Noncurrent loans to loans | 8.8884% | 369 |
| Net loans and leases to total assets | 38.9127% | 7,621 |
| Net loans and leases to deposits | 66.7718% | 6,306 |
| Net loans and leases to core deposits | 101.7432% | 4,375 |
| Total domestic deposits to total assets | 58.2771% | 8,004 |
| Equity capital to assets | 13.7413% | 1,450 |
| Core capital (leverage) ratio | 13.6741% | 1,270 |
| Tier 1 risk-based capital ratio | 34.3192% | 459 |
| Total risk-based capital ratio | 35.4448% | 455 |
| Memoranda: | ||
| Average total assets | $102,951,500 | 5,098 |
| Average earning assets | $98,962,500 | 4,943 |
| Average equity | $14,390,500 | 4,248 |
| Average total loans | $42,367,500 | 6,118 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6706% | 6,863 |
| Cost of funding earning assets | 2.8897% | 2,306 |
| Net interest margin | 2.7809% | 7,363 |
| Noninterest income to average assets | 0.0772% | 7,752 |
| Noninterest expense to average assets | 1.6228% | 7,943 |
| Loan and lease loss provision to assets | 0.1881% | 5,009 |
| Net operating income to assets | 0.6131% | 4,252 |
| Return on assets (ROA) | 0.7980% | 3,281 |
| Pretax return on assets | 1.2060% | 2,612 |
| Return on Equity (ROE) | 5.5331% | 4,145 |
| Retained earnings to average equity (ytd only) | -2.7047% | 6,037 |
| Net charge-offs to loans | 1.1885% | 1,017 |
| Credit loss provision to net charge-offs | 36.1905% | 6,480 |
| Earnings coverage of net charge-offs (x) | 2.1429% | 5,001 |
| Efficiency ratio | 59.2981% | 6,474 |
| Assets per employee ($millions) | 7.6814% | 522 |
| Cash dividends to net income (ytd only)* | 148.8834% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 5,556 |
| Loan loss allowance to noncurrent loans | 13.8172% | 7,429 |
| Noncurrent assets plus other real estate owned to assets | 3.3898% | 1,323 |
| Noncurrent loans to loans | 7.6590% | 368 |
| Net loans and leases to total assets | 42.6005% | 7,551 |
| Net loans and leases to deposits | 70.9508% | 6,175 |
| Net loans and leases to core deposits | 102.9102% | 4,512 |
| Total domestic deposits to total assets | 60.0423% | 7,964 |
| Equity capital to assets | 14.2292% | 1,369 |
| Core capital (leverage) ratio | 14.2810% | 1,196 |
| Tier 1 risk-based capital ratio | 34.5466% | 462 |
| Total risk-based capital ratio | 35.6477% | 454 |
| Memoranda: | ||
| Average total assets | $100,996,200 | 5,014 |
| Average earning assets | $96,585,800 | 4,899 |
| Average equity | $14,567,000 | 4,229 |
| Average total loans | $44,172,200 | 5,968 |