Home > Home Savings and Loan Association of Carroll County, F.A. > Performance and Condition Ratios
Home Savings and Loan Association of Carroll County, F.A., Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 3,264 |
| Cost of funding earning assets | 2.5257% | 1,104 |
| Net interest margin | 2.3728% | 4,021 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 2.1206% | 3,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.2713% | 3,884 |
| Return on assets (ROA) | 0.2713% | 3,915 |
| Pretax return on assets | 0.2786% | 3,953 |
| Return on Equity (ROE) | 1.9900% | 3,986 |
| Retained earnings to average equity (ytd only) | 1.9923% | 3,373 |
| Net charge-offs to loans | 0.0266% | 2,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,033 |
| Efficiency ratio | 88.3877% | 570 |
| Assets per employee ($millions) | 9.5845% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 2,470 |
| Loan loss allowance to noncurrent loans | 129.9472% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6084% | 1,190 |
| Noncurrent loans to loans | 0.8782% | 1,140 |
| Net loans and leases to total assets | 68.4800% | 2,081 |
| Net loans and leases to deposits | 82.2522% | 1,934 |
| Net loans and leases to core deposits | 95.0803% | 1,769 |
| Total domestic deposits to total assets | 83.2600% | 2,972 |
| Equity capital to assets | 13.7802% | 719 |
| Core capital (leverage) ratio | 14.1772% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8282% | 381 |
| Memoranda: | ||
| Average total assets | $123,831,200 | 3,591 |
| Average earning assets | $117,116,600 | 3,551 |
| Average equity | $16,865,000 | 3,194 |
| Average total loans | $86,458,400 | 3,347 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 3,331 |
| Cost of funding earning assets | 2.4888% | 1,190 |
| Net interest margin | 2.3394% | 4,052 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 2.0888% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.2718% | 3,901 |
| Return on assets (ROA) | 0.2718% | 3,932 |
| Pretax return on assets | 0.2815% | 3,972 |
| Return on Equity (ROE) | 2.0000% | 4,024 |
| Retained earnings to average equity (ytd only) | 2.0013% | 3,466 |
| Net charge-offs to loans | 0.0277% | 1,768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,952 |
| Efficiency ratio | 88.1256% | 616 |
| Assets per employee ($millions) | 9.5710% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,491 |
| Loan loss allowance to noncurrent loans | 127.2494% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 1,147 |
| Noncurrent loans to loans | 0.9028% | 1,108 |
| Net loans and leases to total assets | 68.4600% | 2,029 |
| Net loans and leases to deposits | 84.1598% | 1,808 |
| Net loans and leases to core deposits | 98.0626% | 1,615 |
| Total domestic deposits to total assets | 81.3500% | 3,241 |
| Equity capital to assets | 13.9090% | 754 |
| Core capital (leverage) ratio | 14.2793% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6161% | 394 |
| Memoranda: | ||
| Average total assets | $123,639,250 | 3,596 |
| Average earning assets | $116,893,250 | 3,562 |
| Average equity | $16,788,750 | 3,201 |
| Average total loans | $86,495,250 | 3,356 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7081% | 3,458 |
| Cost of funding earning assets | 2.4364% | 1,192 |
| Net interest margin | 2.2717% | 4,098 |
| Noninterest income to average assets | 0.1600% | 3,924 |
| Noninterest expense to average assets | 2.1090% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.1929% | 4,010 |
| Return on assets (ROA) | 0.1929% | 4,046 |
| Pretax return on assets | 0.1929% | 4,072 |
| Return on Equity (ROE) | 1.4300% | 4,094 |
| Retained earnings to average equity (ytd only) | 1.4323% | 3,498 |
| Net charge-offs to loans | -0.0069% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 91.6197% | 494 |
| Assets per employee ($millions) | 9.4936% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 2,477 |
| Loan loss allowance to noncurrent loans | 177.9930% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 1,439 |
| Noncurrent loans to loans | 0.6487% | 1,426 |
| Net loans and leases to total assets | 70.1200% | 1,891 |
| Net loans and leases to deposits | 86.7212% | 1,592 |
| Net loans and leases to core deposits | 99.8132% | 1,497 |
| Total domestic deposits to total assets | 80.8600% | 3,300 |
| Equity capital to assets | 13.5427% | 762 |
| Core capital (leverage) ratio | 14.2649% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2848% | 403 |
| Memoranda: | ||
| Average total assets | $123,378,000 | 3,608 |
| Average earning assets | $116,565,000 | 3,575 |
| Average equity | $16,616,333 | 3,191 |
| Average total loans | $86,602,333 | 3,356 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 3,542 |
| Cost of funding earning assets | 2.3278% | 1,286 |
| Net interest margin | 2.2626% | 4,129 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 2.0590% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.2270% | 3,934 |
| Return on assets (ROA) | 0.2270% | 3,969 |
| Pretax return on assets | 0.2270% | 3,999 |
| Return on Equity (ROE) | 1.6900% | 4,049 |
| Retained earnings to average equity (ytd only) | 1.6901% | 3,320 |
| Net charge-offs to loans | -0.0139% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 90.0709% | 585 |
| Assets per employee ($millions) | 9.4962% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 2,507 |
| Loan loss allowance to noncurrent loans | 183.8182% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 1,408 |
| Noncurrent loans to loans | 0.6293% | 1,395 |
| Net loans and leases to total assets | 69.9800% | 1,806 |
| Net loans and leases to deposits | 87.4794% | 1,408 |
| Net loans and leases to core deposits | 100.2227% | 1,406 |
| Total domestic deposits to total assets | 80.0000% | 3,517 |
| Equity capital to assets | 13.4297% | 768 |
| Core capital (leverage) ratio | 14.2427% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3363% | 413 |
| Memoranda: | ||
| Average total assets | $123,358,500 | 3,622 |
| Average earning assets | $116,505,000 | 3,587 |
| Average equity | $16,567,500 | 3,207 |
| Average total loans | $86,125,000 | 3,369 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 3,870 |
| Cost of funding earning assets | 1.8416% | 1,181 |
| Net interest margin | 2.2170% | 4,304 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.1751% | 3,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0074% | 4,322 |
| Return on assets (ROA) | 0.0074% | 4,348 |
| Pretax return on assets | 0.0560% | 4,306 |
| Return on Equity (ROE) | 0.0600% | 4,341 |
| Retained earnings to average equity (ytd only) | 0.0557% | 4,030 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 97.4908% | 225 |
| Assets per employee ($millions) | 9.4821% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,370 |
| Loan loss allowance to noncurrent loans | 212.2105% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 1,434 |
| Noncurrent loans to loans | 0.5598% | 1,398 |
| Net loans and leases to total assets | 68.0100% | 2,034 |
| Net loans and leases to deposits | 87.2896% | 1,506 |
| Net loans and leases to core deposits | 98.7852% | 1,502 |
| Total domestic deposits to total assets | 77.9200% | 3,739 |
| Equity capital to assets | 13.4310% | 782 |
| Core capital (leverage) ratio | 14.3719% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9096% | 378 |
| Memoranda: | ||
| Average total assets | $121,464,200 | 3,643 |
| Average earning assets | $114,251,400 | 3,599 |
| Average equity | $16,152,800 | 3,169 |
| Average total loans | $82,100,000 | 3,380 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9863% | 3,871 |
| Cost of funding earning assets | 1.6902% | 1,210 |
| Net interest margin | 2.2961% | 4,305 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.4504% | 2,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.1432% | 4,488 |
| Return on assets (ROA) | -0.1432% | 4,472 |
| Pretax return on assets | -0.1432% | 4,460 |
| Return on Equity (ROE) | -1.0800% | 4,429 |
| Retained earnings to average equity (ytd only) | -1.0798% | 4,260 |
| Net charge-offs to loans | 0.0016% | 2,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -130.0000% | 4,629 |
| Efficiency ratio | 106.2082% | 123 |
| Assets per employee ($millions) | 9.2753% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 2,288 |
| Loan loss allowance to noncurrent loans | 216.0944% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 1,490 |
| Noncurrent loans to loans | 0.5621% | 1,425 |
| Net loans and leases to total assets | 67.9200% | 2,049 |
| Net loans and leases to deposits | 89.8346% | 1,249 |
| Net loans and leases to core deposits | 97.4581% | 1,476 |
| Total domestic deposits to total assets | 75.6000% | 4,048 |
| Equity capital to assets | 13.1076% | 788 |
| Core capital (leverage) ratio | 14.3966% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9921% | 386 |
| Memoranda: | ||
| Average total assets | $121,013,500 | 3,655 |
| Average earning assets | $113,753,750 | 3,621 |
| Average equity | $16,052,000 | 3,166 |
| Average total loans | $81,413,250 | 3,394 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9588% | 3,769 |
| Cost of funding earning assets | 1.4396% | 1,364 |
| Net interest margin | 2.5192% | 4,190 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.3771% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1354% | 4,338 |
| Return on assets (ROA) | 0.1354% | 4,370 |
| Pretax return on assets | 0.1354% | 4,371 |
| Return on Equity (ROE) | 1.0200% | 4,369 |
| Retained earnings to average equity (ytd only) | 1.0165% | 3,912 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 94.6124% | 249 |
| Assets per employee ($millions) | 8.5659% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,245 |
| Loan loss allowance to noncurrent loans | 212.6582% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 1,350 |
| Noncurrent loans to loans | 0.5815% | 1,286 |
| Net loans and leases to total assets | 67.1300% | 2,046 |
| Net loans and leases to deposits | 89.1237% | 1,252 |
| Net loans and leases to core deposits | 97.5476% | 1,379 |
| Total domestic deposits to total assets | 75.3300% | 4,097 |
| Equity capital to assets | 13.4703% | 725 |
| Core capital (leverage) ratio | 14.4702% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5906% | 366 |
| Memoranda: | ||
| Average total assets | $121,158,333 | 3,665 |
| Average earning assets | $113,923,000 | 3,638 |
| Average equity | $16,134,333 | 3,177 |
| Average total loans | $80,917,000 | 3,400 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 3,589 |
| Cost of funding earning assets | 1.2722% | 1,291 |
| Net interest margin | 2.6667% | 4,121 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.4865% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1445% | 4,407 |
| Return on assets (ROA) | 0.1445% | 4,382 |
| Pretax return on assets | 0.1445% | 4,383 |
| Return on Equity (ROE) | 1.0900% | 4,375 |
| Retained earnings to average equity (ytd only) | 1.0915% | 3,853 |
| Net charge-offs to loans | -0.0099% | 3,845 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.5069% | 250 |
| Assets per employee ($millions) | 8.8328% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,370 |
| Loan loss allowance to noncurrent loans | 174.7405% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 1,084 |
| Noncurrent loans to loans | 0.7061% | 1,077 |
| Net loans and leases to total assets | 65.3800% | 2,122 |
| Net loans and leases to deposits | 83.8328% | 1,511 |
| Net loans and leases to core deposits | 91.1844% | 1,548 |
| Total domestic deposits to total assets | 77.9900% | 4,010 |
| Equity capital to assets | 13.2388% | 708 |
| Core capital (leverage) ratio | 14.2131% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6824% | 367 |
| Memoranda: | ||
| Average total assets | $121,776,000 | 3,702 |
| Average earning assets | $114,449,000 | 3,672 |
| Average equity | $16,124,500 | 3,205 |
| Average total loans | $80,617,000 | 3,441 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 3,268 |
| Cost of funding earning assets | 0.6643% | 678 |
| Net interest margin | 2.7666% | 3,945 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.4463% | 2,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2958% | 4,367 |
| Return on assets (ROA) | 0.2958% | 4,342 |
| Pretax return on assets | 0.4047% | 4,275 |
| Return on Equity (ROE) | 2.0400% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.0381% | 3,968 |
| Net charge-offs to loans | -0.0582% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.8067% | 428 |
| Assets per employee ($millions) | 8.5638% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 2,045 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 1,037 |
| Noncurrent loans to loans | 0.7408% | 1,012 |
| Net loans and leases to total assets | 65.3700% | 2,103 |
| Net loans and leases to deposits | 86.1267% | 1,305 |
| Net loans and leases to core deposits | 93.2477% | 1,332 |
| Total domestic deposits to total assets | 75.9000% | 4,258 |
| Equity capital to assets | 13.2435% | 668 |
| Core capital (leverage) ratio | 15.0536% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9373% | 334 |
| Memoranda: | ||
| Average total assets | $113,925,000 | 3,792 |
| Average earning assets | $106,881,600 | 3,761 |
| Average equity | $16,535,200 | 3,235 |
| Average total loans | $72,214,000 | 3,539 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4261% | 2,841 |
| Cost of funding earning assets | 0.6433% | 348 |
| Net interest margin | 2.7829% | 3,773 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.3195% | 2,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4222% | 4,204 |
| Return on assets (ROA) | 0.4222% | 4,149 |
| Pretax return on assets | 0.5692% | 4,037 |
| Return on Equity (ROE) | 2.8400% | 4,317 |
| Retained earnings to average equity (ytd only) | 2.8423% | 3,816 |
| Net charge-offs to loans | -0.0909% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.2956% | 757 |
| Assets per employee ($millions) | 8.1122% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 1,717 |
| Loan loss allowance to noncurrent loans | 165.9574% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 1,002 |
| Noncurrent loans to loans | 0.8253% | 960 |
| Net loans and leases to total assets | 64.2900% | 2,060 |
| Net loans and leases to deposits | 77.7844% | 1,735 |
| Net loans and leases to core deposits | 83.6497% | 1,682 |
| Total domestic deposits to total assets | 82.6500% | 3,733 |
| Equity capital to assets | 13.9287% | 571 |
| Core capital (leverage) ratio | 15.4175% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6106% | 278 |
| Memoranda: | ||
| Average total assets | $112,433,000 | 3,830 |
| Average earning assets | $105,500,250 | 3,800 |
| Average equity | $16,699,500 | 3,259 |
| Average total loans | $70,422,750 | 3,582 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3881% | 2,475 |
| Cost of funding earning assets | 0.6426% | 217 |
| Net interest margin | 2.7455% | 3,587 |
| Noninterest income to average assets | 0.3427% | 3,101 |
| Noninterest expense to average assets | 2.2578% | 2,678 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6640% | 3,431 |
| Return on assets (ROA) | 0.6640% | 3,381 |
| Pretax return on assets | 0.6622% | 3,680 |
| Return on Equity (ROE) | 4.3783% | 3,941 |
| Retained earnings to average equity (ytd only) | 4.3783% | 2,937 |
| Net charge-offs to loans | 0.0289% | 1,150 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 37.1000% | 1,298 |
| Efficiency ratio | 77.3227% | 1,144 |
| Assets per employee ($millions) | 8.7610% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 2,048 |
| Loan loss allowance to noncurrent loans | 148.2171% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 993 |
| Noncurrent loans to loans | 0.8974% | 939 |
| Net loans and leases to total assets | 62.2681% | 2,093 |
| Net loans and leases to deposits | 74.1567% | 1,855 |
| Net loans and leases to core deposits | 79.9331% | 1,722 |
| Total domestic deposits to total assets | 83.9683% | 3,691 |
| Equity capital to assets | 14.4574% | 469 |
| Core capital (leverage) ratio | 15.5697% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8573% | 253 |
| Memoranda: | ||
| Average total assets | $112,053,667 | 3,875 |
| Average earning assets | $105,192,000 | 3,854 |
| Average equity | $16,993,000 | 3,324 |
| Average total loans | $69,220,000 | 3,634 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5444% | 1,658 |
| Cost of funding earning assets | 0.6584% | 194 |
| Net interest margin | 2.8861% | 2,887 |
| Noninterest income to average assets | 0.5363% | 1,964 |
| Noninterest expense to average assets | 2.3179% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9358% | 2,129 |
| Return on assets (ROA) | 0.9358% | 2,119 |
| Pretax return on assets | 0.9322% | 2,656 |
| Return on Equity (ROE) | 6.0267% | 3,340 |
| Retained earnings to average equity (ytd only) | 6.0267% | 2,245 |
| Net charge-offs to loans | -0.0059% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3178% | 2,068 |
| Assets per employee ($millions) | 8.6188% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,969 |
| Loan loss allowance to noncurrent loans | 151.5674% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 1,046 |
| Noncurrent loans to loans | 0.9141% | 1,002 |
| Net loans and leases to total assets | 61.4321% | 1,925 |
| Net loans and leases to deposits | 72.5201% | 1,745 |
| Net loans and leases to core deposits | 78.4712% | 1,578 |
| Total domestic deposits to total assets | 84.7105% | 3,612 |
| Equity capital to assets | 15.1012% | 386 |
| Core capital (leverage) ratio | 15.5037% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6236% | 233 |
| Memoranda: | ||
| Average total assets | $111,134,000 | 3,902 |
| Average earning assets | $104,502,500 | 3,879 |
| Average equity | $17,256,500 | 3,379 |
| Average total loans | $67,892,500 | 3,661 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4973% | 2,671 |
| Cost of funding earning assets | 0.7887% | 217 |
| Net interest margin | 2.7086% | 3,855 |
| Noninterest income to average assets | 0.2215% | 4,044 |
| Noninterest expense to average assets | 2.8248% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.1327% | 4,713 |
| Return on assets (ROA) | -0.1327% | 4,717 |
| Pretax return on assets | -0.0939% | 4,710 |
| Return on Equity (ROE) | -0.7227% | 4,716 |
| Retained earnings to average equity (ytd only) | -0.7227% | 4,570 |
| Net charge-offs to loans | 0.0215% | 1,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | -7.0769% | 2,679 |
| Efficiency ratio | 103.4380% | 124 |
| Assets per employee ($millions) | 8.4788% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 1,681 |
| Loan loss allowance to noncurrent loans | 127.6090% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 931 |
| Noncurrent loans to loans | 1.1472% | 841 |
| Net loans and leases to total assets | 58.9899% | 2,273 |
| Net loans and leases to deposits | 70.2732% | 2,106 |
| Net loans and leases to core deposits | 76.1834% | 1,906 |
| Total domestic deposits to total assets | 83.9436% | 3,580 |
| Equity capital to assets | 15.9611% | 385 |
| Core capital (leverage) ratio | 16.0164% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9829% | 200 |
| Memoranda: | ||
| Average total assets | $97,989,200 | 4,012 |
| Average earning assets | $90,784,600 | 4,008 |
| Average equity | $17,987,200 | 3,387 |
| Average total loans | $60,477,200 | 3,805 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6573% | 2,389 |
| Cost of funding earning assets | 0.8141% | 229 |
| Net interest margin | 2.8432% | 3,674 |
| Noninterest income to average assets | 0.2472% | 3,915 |
| Noninterest expense to average assets | 2.6208% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1924% | 4,632 |
| Return on assets (ROA) | 0.1924% | 4,654 |
| Pretax return on assets | 0.2458% | 4,634 |
| Return on Equity (ROE) | 1.0100% | 4,692 |
| Retained earnings to average equity (ytd only) | 1.0100% | 4,412 |
| Net charge-offs to loans | 0.0158% | 1,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,629 |
| Efficiency ratio | 91.4258% | 289 |
| Assets per employee ($millions) | 8.4657% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 1,423 |
| Loan loss allowance to noncurrent loans | 134.2541% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6842% | 1,095 |
| Noncurrent loans to loans | 1.1673% | 954 |
| Net loans and leases to total assets | 55.4719% | 2,793 |
| Net loans and leases to deposits | 66.6081% | 2,577 |
| Net loans and leases to core deposits | 72.4763% | 2,384 |
| Total domestic deposits to total assets | 83.2809% | 3,640 |
| Equity capital to assets | 16.4256% | 375 |
| Core capital (leverage) ratio | 17.8824% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7680% | 185 |
| Memoranda: | ||
| Average total assets | $94,930,500 | 4,096 |
| Average earning assets | $87,457,000 | 4,099 |
| Average equity | $18,085,750 | 3,420 |
| Average total loans | $59,099,750 | 3,885 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0006% | 1,560 |
| Cost of funding earning assets | 0.8545% | 224 |
| Net interest margin | 3.1461% | 2,901 |
| Noninterest income to average assets | 0.3337% | 3,427 |
| Noninterest expense to average assets | 2.6811% | 1,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4761% | 4,267 |
| Return on assets (ROA) | 0.4761% | 4,308 |
| Pretax return on assets | 0.5607% | 4,296 |
| Return on Equity (ROE) | 2.3661% | 4,559 |
| Retained earnings to average equity (ytd only) | 2.3661% | 4,028 |
| Net charge-offs to loans | 0.0241% | 1,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,218 |
| Efficiency ratio | 82.7042% | 627 |
| Assets per employee ($millions) | 7.6032% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6330% | 1,205 |
| Loan loss allowance to noncurrent loans | 169.9301% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 1,268 |
| Noncurrent loans to loans | 0.9610% | 1,286 |
| Net loans and leases to total assets | 64.1750% | 1,929 |
| Net loans and leases to deposits | 80.4065% | 1,393 |
| Net loans and leases to core deposits | 88.5421% | 1,234 |
| Total domestic deposits to total assets | 79.8132% | 4,255 |
| Equity capital to assets | 19.9117% | 196 |
| Core capital (leverage) ratio | 20.1298% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.1940% | 146 |
| Memoranda: | ||
| Average total assets | $89,889,333 | 4,175 |
| Average earning assets | $83,086,667 | 4,169 |
| Average equity | $18,088,667 | 3,418 |
| Average total loans | $58,126,000 | 3,927 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3256% | 1,007 |
| Cost of funding earning assets | 0.8768% | 252 |
| Net interest margin | 3.4489% | 1,963 |
| Noninterest income to average assets | 0.5425% | 2,430 |
| Noninterest expense to average assets | 2.6498% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9146% | 3,090 |
| Return on assets (ROA) | 0.9146% | 3,164 |
| Pretax return on assets | 1.0850% | 3,146 |
| Return on Equity (ROE) | 4.5209% | 4,183 |
| Retained earnings to average equity (ytd only) | 4.5209% | 3,360 |
| Net charge-offs to loans | 0.0348% | 1,127 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 48.4000% | 915 |
| Efficiency ratio | 70.9484% | 1,605 |
| Assets per employee ($millions) | 7.5342% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 1,077 |
| Loan loss allowance to noncurrent loans | 174.5520% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 1,539 |
| Noncurrent loans to loans | 0.9662% | 1,400 |
| Net loans and leases to total assets | 62.8028% | 2,194 |
| Net loans and leases to deposits | 78.7441% | 1,640 |
| Net loans and leases to core deposits | 84.5242% | 1,632 |
| Total domestic deposits to total assets | 79.7556% | 4,233 |
| Equity capital to assets | 20.0564% | 185 |
| Core capital (leverage) ratio | 20.2339% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8918% | 153 |
| Memoranda: | ||
| Average total assets | $89,215,000 | 4,196 |
| Average earning assets | $82,577,500 | 4,186 |
| Average equity | $18,049,500 | 3,416 |
| Average total loans | $57,427,000 | 3,954 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 3,428 |
| Cost of funding earning assets | 1.0117% | 569 |
| Net interest margin | 2.7442% | 4,328 |
| Noninterest income to average assets | 0.2173% | 4,193 |
| Noninterest expense to average assets | 2.5317% | 2,748 |
| Loan and lease loss provision to assets | 0.0345% | 3,971 |
| Net operating income to assets | 0.1590% | 4,617 |
| Return on assets (ROA) | 0.2035% | 4,628 |
| Pretax return on assets | 0.2897% | 4,555 |
| Return on Equity (ROE) | 0.9888% | 4,680 |
| Retained earnings to average equity (ytd only) | 0.9888% | 4,235 |
| Net charge-offs to loans | 0.1220% | 1,278 |
| Credit loss provision to net charge-offs | 42.8571% | 3,176 |
| Earnings coverage of net charge-offs (x) | 3.3286% | 3,095 |
| Efficiency ratio | 90.4312% | 364 |
| Assets per employee ($millions) | 7.3350% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7145% | 1,008 |
| Loan loss allowance to noncurrent loans | 142.9197% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7782% | 1,312 |
| Noncurrent loans to loans | 1.1996% | 1,170 |
| Net loans and leases to total assets | 63.7594% | 2,395 |
| Net loans and leases to deposits | 80.1877% | 1,845 |
| Net loans and leases to core deposits | 87.0363% | 1,792 |
| Total domestic deposits to total assets | 79.5126% | 4,137 |
| Equity capital to assets | 20.4113% | 183 |
| Core capital (leverage) ratio | 20.4140% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.3600% | 150 |
| Memoranda: | ||
| Average total assets | $86,978,400 | 4,160 |
| Average earning assets | $81,845,600 | 4,137 |
| Average equity | $17,900,400 | 3,373 |
| Average total loans | $57,398,000 | 3,958 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 3,497 |
| Cost of funding earning assets | 1.0367% | 672 |
| Net interest margin | 2.7862% | 4,356 |
| Noninterest income to average assets | 0.2414% | 4,036 |
| Noninterest expense to average assets | 2.4170% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3664% | 4,330 |
| Return on assets (ROA) | 0.4259% | 4,280 |
| Pretax return on assets | 0.5443% | 4,199 |
| Return on Equity (ROE) | 2.0651% | 4,545 |
| Retained earnings to average equity (ytd only) | 2.0651% | 3,912 |
| Net charge-offs to loans | 0.1253% | 1,128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 5.6481% | 2,716 |
| Efficiency ratio | 83.7507% | 621 |
| Assets per employee ($millions) | 7.1630% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 951 |
| Loan loss allowance to noncurrent loans | 123.8768% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.9063% | 1,271 |
| Noncurrent loans to loans | 1.3432% | 1,095 |
| Net loans and leases to total assets | 66.3491% | 2,476 |
| Net loans and leases to deposits | 84.3517% | 1,872 |
| Net loans and leases to core deposits | 91.0529% | 1,881 |
| Total domestic deposits to total assets | 78.6577% | 4,109 |
| Equity capital to assets | 21.0201% | 175 |
| Core capital (leverage) ratio | 20.8590% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4963% | 154 |
| Memoranda: | ||
| Average total assets | $86,718,000 | 4,164 |
| Average earning assets | $82,308,250 | 4,126 |
| Average equity | $17,884,000 | 3,378 |
| Average total loans | $57,472,500 | 3,975 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 3,879 |
| Cost of funding earning assets | 1.1215% | 668 |
| Net interest margin | 2.6698% | 4,585 |
| Noninterest income to average assets | 0.3012% | 3,662 |
| Noninterest expense to average assets | 2.4123% | 3,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3249% | 4,371 |
| Return on assets (ROA) | 0.4139% | 4,268 |
| Pretax return on assets | 0.5473% | 4,166 |
| Return on Equity (ROE) | 2.0199% | 4,529 |
| Retained earnings to average equity (ytd only) | 2.0199% | 3,746 |
| Net charge-offs to loans | 0.1780% | 843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.7059% | 2,660 |
| Efficiency ratio | 84.7334% | 600 |
| Assets per employee ($millions) | 7.2506% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 819 |
| Loan loss allowance to noncurrent loans | 80.8688% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.3758% | 722 |
| Noncurrent loans to loans | 2.0971% | 613 |
| Net loans and leases to total assets | 64.4891% | 2,822 |
| Net loans and leases to deposits | 81.5221% | 2,257 |
| Net loans and leases to core deposits | 87.7871% | 2,265 |
| Total domestic deposits to total assets | 79.1063% | 4,021 |
| Equity capital to assets | 20.6547% | 186 |
| Core capital (leverage) ratio | 20.5141% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.0879% | 150 |
| Memoranda: | ||
| Average total assets | $86,972,000 | 4,164 |
| Average earning assets | $82,927,333 | 4,127 |
| Average equity | $17,822,667 | 3,382 |
| Average total loans | $57,298,000 | 3,994 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8183% | 4,194 |
| Cost of funding earning assets | 1.1797% | 824 |
| Net interest margin | 2.6386% | 4,726 |
| Noninterest income to average assets | 0.1610% | 4,568 |
| Noninterest expense to average assets | 2.4565% | 3,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2076% | 4,512 |
| Return on assets (ROA) | 0.3726% | 4,230 |
| Pretax return on assets | 0.4048% | 4,284 |
| Return on Equity (ROE) | 1.8255% | 4,478 |
| Retained earnings to average equity (ytd only) | 1.8255% | 3,502 |
| Net charge-offs to loans | 0.1881% | 723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.8148% | 2,341 |
| Efficiency ratio | 91.5952% | 445 |
| Assets per employee ($millions) | 7.2862% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 840 |
| Loan loss allowance to noncurrent loans | 99.0020% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.1460% | 1,112 |
| Noncurrent loans to loans | 1.7386% | 866 |
| Net loans and leases to total assets | 64.7791% | 2,971 |
| Net loans and leases to deposits | 81.3697% | 2,538 |
| Net loans and leases to core deposits | 88.0965% | 2,514 |
| Total domestic deposits to total assets | 79.6109% | 3,927 |
| Equity capital to assets | 20.2896% | 233 |
| Core capital (leverage) ratio | 20.3695% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6169% | 160 |
| Memoranda: | ||
| Average total assets | $86,954,500 | 4,174 |
| Average earning assets | $83,073,500 | 4,126 |
| Average equity | $17,748,500 | 3,397 |
| Average total loans | $57,408,000 | 4,000 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 4,421 |
| Cost of funding earning assets | 1.1251% | 1,239 |
| Net interest margin | 2.7848% | 4,769 |
| Noninterest income to average assets | 0.1092% | 4,908 |
| Noninterest expense to average assets | 2.6514% | 3,023 |
| Loan and lease loss provision to assets | 0.0058% | 3,894 |
| Net operating income to assets | 0.0903% | 4,933 |
| Return on assets (ROA) | 0.0976% | 4,945 |
| Pretax return on assets | 0.1301% | 4,930 |
| Return on Equity (ROE) | 0.4756% | 4,963 |
| Retained earnings to average equity (ytd only) | 0.4756% | 4,552 |
| Net charge-offs to loans | -0.0177% | 4,600 |
| Credit loss provision to net charge-offs | -50.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4412% | 221 |
| Assets per employee ($millions) | 7.2063% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 680 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.1784% | 1,008 |
| Noncurrent loans to loans | 1.7819% | 759 |
| Net loans and leases to total assets | 64.9506% | 3,075 |
| Net loans and leases to deposits | 81.7436% | 2,585 |
| Net loans and leases to core deposits | 88.5759% | 2,560 |
| Total domestic deposits to total assets | 79.4565% | 4,089 |
| Equity capital to assets | 20.5343% | 230 |
| Core capital (leverage) ratio | 20.5183% | 218 |
| Tier 1 risk-based capital ratio | 37.9496% | 274 |
| Total risk-based capital ratio | 39.2107% | 270 |
| Memoranda: | ||
| Average total assets | $86,066,200 | 4,201 |
| Average earning assets | $82,484,000 | 4,147 |
| Average equity | $17,663,200 | 3,372 |
| Average total loans | $56,402,600 | 4,043 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 4,504 |
| Cost of funding earning assets | 1.1087% | 1,313 |
| Net interest margin | 2.8130% | 4,844 |
| Noninterest income to average assets | 0.1008% | 4,987 |
| Noninterest expense to average assets | 2.5312% | 3,347 |
| Loan and lease loss provision to assets | 0.0047% | 3,780 |
| Net operating income to assets | 0.1962% | 4,953 |
| Return on assets (ROA) | 0.2047% | 4,961 |
| Pretax return on assets | 0.2714% | 4,922 |
| Return on Equity (ROE) | 0.9977% | 5,013 |
| Retained earnings to average equity (ytd only) | 0.9977% | 4,568 |
| Net charge-offs to loans | 0.0071% | 3,122 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 56.9975% | 1,092 |
| Efficiency ratio | 90.5158% | 309 |
| Assets per employee ($millions) | 7.1361% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8168% | 658 |
| Loan loss allowance to noncurrent loans | 99.4059% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.2110% | 1,043 |
| Noncurrent loans to loans | 1.8277% | 773 |
| Net loans and leases to total assets | 63.3599% | 3,350 |
| Net loans and leases to deposits | 80.2892% | 2,869 |
| Net loans and leases to core deposits | 86.7626% | 2,844 |
| Total domestic deposits to total assets | 78.9147% | 4,203 |
| Equity capital to assets | 20.7992% | 228 |
| Core capital (leverage) ratio | 20.7456% | 215 |
| Tier 1 risk-based capital ratio | 39.2623% | 257 |
| Total risk-based capital ratio | 40.5236% | 254 |
| Memoranda: | ||
| Average total assets | $85,964,000 | 4,254 |
| Average earning assets | $82,377,250 | 4,202 |
| Average equity | $17,639,750 | 3,395 |
| Average total loans | $56,207,000 | 4,097 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9611% | 4,461 |
| Cost of funding earning assets | 1.0909% | 1,335 |
| Net interest margin | 2.8702% | 4,852 |
| Noninterest income to average assets | 0.0813% | 5,095 |
| Noninterest expense to average assets | 2.5675% | 3,281 |
| Loan and lease loss provision to assets | 0.0070% | 3,591 |
| Net operating income to assets | 0.1501% | 5,028 |
| Return on assets (ROA) | 0.1464% | 5,042 |
| Pretax return on assets | 0.2533% | 4,977 |
| Return on Equity (ROE) | 0.7166% | 5,071 |
| Retained earnings to average equity (ytd only) | 0.7166% | 4,504 |
| Net charge-offs to loans | -0.1132% | 5,023 |
| Credit loss provision to net charge-offs | -9.3750% | 3,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6481% | 328 |
| Assets per employee ($millions) | 7.1344% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8570% | 617 |
| Loan loss allowance to noncurrent loans | 104.3173% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1634% | 1,159 |
| Noncurrent loans to loans | 1.7802% | 847 |
| Net loans and leases to total assets | 64.1375% | 3,325 |
| Net loans and leases to deposits | 81.1054% | 2,835 |
| Net loans and leases to core deposits | 87.6149% | 2,839 |
| Total domestic deposits to total assets | 79.0791% | 4,200 |
| Equity capital to assets | 20.6861% | 222 |
| Core capital (leverage) ratio | 20.5455% | 219 |
| Tier 1 risk-based capital ratio | 39.4826% | 242 |
| Total risk-based capital ratio | 40.7448% | 240 |
| Memoranda: | ||
| Average total assets | $86,074,330 | 4,282 |
| Average earning assets | $82,503,000 | 4,228 |
| Average equity | $17,582,670 | 3,407 |
| Average total loans | $56,522,330 | 4,115 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 4,677 |
| Cost of funding earning assets | 1.0400% | 1,410 |
| Net interest margin | 2.7813% | 5,001 |
| Noninterest income to average assets | 0.1020% | 5,070 |
| Noninterest expense to average assets | 2.5398% | 3,396 |
| Loan and lease loss provision to assets | 0.0139% | 3,255 |
| Net operating income to assets | 0.1603% | 5,042 |
| Return on assets (ROA) | 0.1529% | 5,057 |
| Pretax return on assets | 0.2039% | 5,029 |
| Return on Equity (ROE) | 0.7535% | 5,096 |
| Retained earnings to average equity (ytd only) | 0.7535% | 4,373 |
| Net charge-offs to loans | 0.1408% | 903 |
| Credit loss provision to net charge-offs | 15.0000% | 2,163 |
| Earnings coverage of net charge-offs (x) | 2.4500% | 2,494 |
| Efficiency ratio | 91.7923% | 334 |
| Assets per employee ($millions) | 7.1441% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 774 |
| Loan loss allowance to noncurrent loans | 87.1139% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.3741% | 924 |
| Noncurrent loans to loans | 2.0111% | 739 |
| Net loans and leases to total assets | 64.5639% | 3,222 |
| Net loans and leases to deposits | 81.4641% | 2,670 |
| Net loans and leases to core deposits | 87.9577% | 2,688 |
| Total domestic deposits to total assets | 79.2544% | 4,306 |
| Equity capital to assets | 20.4948% | 222 |
| Core capital (leverage) ratio | 20.3793% | 227 |
| Tier 1 risk-based capital ratio | 38.9651% | 249 |
| Total risk-based capital ratio | 40.2261% | 248 |
| Memoranda: | ||
| Average total assets | $86,305,000 | 4,323 |
| Average earning assets | $82,695,500 | 4,270 |
| Average equity | $17,519,000 | 3,412 |
| Average total loans | $56,809,000 | 4,148 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5942% | 4,805 |
| Cost of funding earning assets | 0.7517% | 1,779 |
| Net interest margin | 2.8425% | 4,980 |
| Noninterest income to average assets | 0.2249% | 4,574 |
| Noninterest expense to average assets | 2.3270% | 4,058 |
| Loan and lease loss provision to assets | 0.0341% | 3,514 |
| Net operating income to assets | 0.4441% | 4,777 |
| Return on assets (ROA) | 0.4441% | 4,773 |
| Pretax return on assets | 0.5951% | 4,636 |
| Return on Equity (ROE) | 2.2655% | 5,011 |
| Retained earnings to average equity (ytd only) | 2.2655% | 4,250 |
| Net charge-offs to loans | 0.2510% | 767 |
| Credit loss provision to net charge-offs | 21.1268% | 3,398 |
| Earnings coverage of net charge-offs (x) | 3.9014% | 3,368 |
| Efficiency ratio | 78.7169% | 1,061 |
| Assets per employee ($millions) | 6.6832% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 750 |
| Loan loss allowance to noncurrent loans | 87.6856% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.3179% | 962 |
| Noncurrent loans to loans | 1.9989% | 676 |
| Net loans and leases to total assets | 64.7748% | 3,276 |
| Net loans and leases to deposits | 87.8244% | 2,065 |
| Net loans and leases to core deposits | 93.9751% | 2,227 |
| Total domestic deposits to total assets | 73.7549% | 4,962 |
| Equity capital to assets | 20.1057% | 230 |
| Core capital (leverage) ratio | 20.2269% | 223 |
| Tier 1 risk-based capital ratio | 37.8032% | 260 |
| Total risk-based capital ratio | 39.0633% | 257 |
| Memoranda: | ||
| Average total assets | $88,051,600 | 4,303 |
| Average earning assets | $84,609,000 | 4,241 |
| Average equity | $17,258,800 | 3,366 |
| Average total loans | $56,574,400 | 4,174 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4835% | 4,942 |
| Cost of funding earning assets | 0.7230% | 1,736 |
| Net interest margin | 2.7604% | 5,122 |
| Noninterest income to average assets | 0.2430% | 4,523 |
| Noninterest expense to average assets | 2.2276% | 4,261 |
| Loan and lease loss provision to assets | 0.0453% | 3,085 |
| Net operating income to assets | 0.4769% | 4,807 |
| Return on assets (ROA) | 0.4769% | 4,809 |
| Pretax return on assets | 0.6263% | 4,684 |
| Return on Equity (ROE) | 2.4486% | 5,076 |
| Retained earnings to average equity (ytd only) | 2.4486% | 4,423 |
| Net charge-offs to loans | 0.3381% | 492 |
| Credit loss provision to net charge-offs | 20.9790% | 3,014 |
| Earnings coverage of net charge-offs (x) | 3.1119% | 3,188 |
| Efficiency ratio | 76.8350% | 1,250 |
| Assets per employee ($millions) | 6.6783% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 728 |
| Loan loss allowance to noncurrent loans | 61.1959% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.8879% | 593 |
| Noncurrent loans to loans | 2.9374% | 378 |
| Net loans and leases to total assets | 63.1136% | 3,527 |
| Net loans and leases to deposits | 82.9182% | 2,723 |
| Net loans and leases to core deposits | 88.5216% | 2,793 |
| Total domestic deposits to total assets | 76.1156% | 4,776 |
| Equity capital to assets | 19.9198% | 234 |
| Core capital (leverage) ratio | 19.8337% | 241 |
| Tier 1 risk-based capital ratio | 38.1074% | 257 |
| Total risk-based capital ratio | 39.3678% | 254 |
| Memoranda: | ||
| Average total assets | $88,344,250 | 4,342 |
| Average earning assets | $85,008,750 | 4,279 |
| Average equity | $17,206,500 | 3,406 |
| Average total loans | $56,397,750 | 4,223 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4415% | 4,985 |
| Cost of funding earning assets | 0.6705% | 1,810 |
| Net interest margin | 2.7709% | 5,155 |
| Noninterest income to average assets | 0.2408% | 4,570 |
| Noninterest expense to average assets | 2.1969% | 4,377 |
| Loan and lease loss provision to assets | 0.0675% | 2,533 |
| Net operating income to assets | 0.4642% | 4,832 |
| Return on assets (ROA) | 0.4659% | 4,832 |
| Pretax return on assets | 0.6483% | 4,644 |
| Return on Equity (ROE) | 2.4102% | 5,113 |
| Retained earnings to average equity (ytd only) | 2.4102% | 4,301 |
| Net charge-offs to loans | 0.4488% | 344 |
| Credit loss provision to net charge-offs | 23.6220% | 2,669 |
| Earnings coverage of net charge-offs (x) | 2.4961% | 2,968 |
| Efficiency ratio | 75.4834% | 1,495 |
| Assets per employee ($millions) | 6.8602% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8055% | 746 |
| Loan loss allowance to noncurrent loans | 61.7576% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.8501% | 614 |
| Noncurrent loans to loans | 2.9236% | 397 |
| Net loans and leases to total assets | 62.1415% | 3,584 |
| Net loans and leases to deposits | 81.2703% | 2,837 |
| Net loans and leases to core deposits | 86.2311% | 2,902 |
| Total domestic deposits to total assets | 76.4627% | 4,803 |
| Equity capital to assets | 19.3256% | 251 |
| Core capital (leverage) ratio | 19.5839% | 242 |
| Tier 1 risk-based capital ratio | 37.4720% | 272 |
| Total risk-based capital ratio | 38.7321% | 270 |
| Memoranda: | ||
| Average total assets | $88,853,000 | 4,367 |
| Average earning assets | $85,603,330 | 4,305 |
| Average equity | $17,177,330 | 3,425 |
| Average total loans | $56,598,000 | 4,252 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3721% | 5,052 |
| Cost of funding earning assets | 0.6361% | 1,803 |
| Net interest margin | 2.7360% | 5,227 |
| Noninterest income to average assets | 0.1579% | 5,071 |
| Noninterest expense to average assets | 2.1559% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4014% | 4,923 |
| Return on assets (ROA) | 0.4014% | 4,924 |
| Pretax return on assets | 0.6404% | 4,591 |
| Return on Equity (ROE) | 2.0760% | 5,171 |
| Retained earnings to average equity (ytd only) | 2.0760% | 4,333 |
| Net charge-offs to loans | 0.7410% | 198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.3524% | 2,568 |
| Efficiency ratio | 77.0968% | 1,445 |
| Assets per employee ($millions) | 6.8188% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7972% | 790 |
| Loan loss allowance to noncurrent loans | 68.9162% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.6899% | 761 |
| Noncurrent loans to loans | 2.6079% | 503 |
| Net loans and leases to total assets | 62.3189% | 3,512 |
| Net loans and leases to deposits | 77.4511% | 3,068 |
| Net loans and leases to core deposits | 81.9468% | 3,145 |
| Total domestic deposits to total assets | 80.4623% | 4,329 |
| Equity capital to assets | 19.3482% | 240 |
| Core capital (leverage) ratio | 19.5232% | 230 |
| Tier 1 risk-based capital ratio | 37.9912% | 257 |
| Total risk-based capital ratio | 39.2511% | 251 |
| Memoranda: | ||
| Average total assets | $88,688,500 | 4,419 |
| Average earning assets | $85,525,500 | 4,355 |
| Average equity | $17,148,500 | 3,457 |
| Average total loans | $56,678,000 | 4,286 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5500% | 4,694 |
| Cost of funding earning assets | 0.6407% | 1,354 |
| Net interest margin | 2.9093% | 5,031 |
| Noninterest income to average assets | 0.1683% | 5,114 |
| Noninterest expense to average assets | 2.5331% | 3,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2740% | 4,976 |
| Return on assets (ROA) | 0.3266% | 4,901 |
| Pretax return on assets | 0.5136% | 4,908 |
| Return on Equity (ROE) | 1.7216% | 5,106 |
| Retained earnings to average equity (ytd only) | 1.7216% | 4,276 |
| Net charge-offs to loans | -0.3744% | 5,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4500% | 678 |
| Assets per employee ($millions) | 7.3944% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9544% | 586 |
| Loan loss allowance to noncurrent loans | 83.0975% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.5338% | 883 |
| Noncurrent loans to loans | 2.3519% | 597 |
| Net loans and leases to total assets | 63.0960% | 3,477 |
| Net loans and leases to deposits | 78.8738% | 3,024 |
| Net loans and leases to core deposits | 83.4630% | 3,109 |
| Total domestic deposits to total assets | 79.9962% | 4,338 |
| Equity capital to assets | 19.3231% | 235 |
| Core capital (leverage) ratio | 19.2056% | 228 |
| Tier 1 risk-based capital ratio | 37.4081% | 267 |
| Total risk-based capital ratio | 38.6725% | 263 |
| Memoranda: | ||
| Average total assets | $80,217,000 | 4,589 |
| Average earning assets | $77,098,200 | 4,520 |
| Average equity | $15,218,400 | 3,694 |
| Average total loans | $51,555,000 | 4,420 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5270% | 4,749 |
| Cost of funding earning assets | 0.6397% | 1,309 |
| Net interest margin | 2.8874% | 5,104 |
| Noninterest income to average assets | 0.1705% | 5,166 |
| Noninterest expense to average assets | 2.5326% | 3,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2862% | 5,242 |
| Return on assets (ROA) | 0.2814% | 5,269 |
| Pretax return on assets | 0.4025% | 5,186 |
| Return on Equity (ROE) | 1.4837% | 5,377 |
| Retained earnings to average equity (ytd only) | 1.4837% | 4,827 |
| Net charge-offs to loans | 0.0159% | 3,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 39.9988% | 1,294 |
| Efficiency ratio | 86.0870% | 625 |
| Assets per employee ($millions) | 7.5429% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9543% | 620 |
| Loan loss allowance to noncurrent loans | 102.8864% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.2142% | 1,353 |
| Noncurrent loans to loans | 1.8995% | 914 |
| Net loans and leases to total assets | 61.2451% | 3,746 |
| Net loans and leases to deposits | 77.2240% | 3,250 |
| Net loans and leases to core deposits | 80.7058% | 3,390 |
| Total domestic deposits to total assets | 79.3084% | 4,478 |
| Equity capital to assets | 19.2675% | 261 |
| Core capital (leverage) ratio | 19.7316% | 220 |
| Tier 1 risk-based capital ratio | 38.8134% | 237 |
| Total risk-based capital ratio | 40.0765% | 235 |
| Memoranda: | ||
| Average total assets | $78,177,750 | 4,672 |
| Average earning assets | $75,037,750 | 4,606 |
| Average equity | $14,827,000 | 3,775 |
| Average total loans | $50,237,250 | 4,494 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3712% | 5,003 |
| Cost of funding earning assets | 0.5938% | 1,489 |
| Net interest margin | 2.7774% | 5,280 |
| Noninterest income to average assets | 0.1728% | 5,187 |
| Noninterest expense to average assets | 2.6409% | 3,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1151% | 5,479 |
| Return on assets (ROA) | 0.1134% | 5,485 |
| Pretax return on assets | 0.1944% | 5,432 |
| Return on Equity (ROE) | 0.6019% | 5,515 |
| Retained earnings to average equity (ytd only) | 0.6019% | 4,951 |
| Net charge-offs to loans | -0.0042% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0542% | 329 |
| Assets per employee ($millions) | 8.1628% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9208% | 695 |
| Loan loss allowance to noncurrent loans | 105.8419% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1883% | 1,432 |
| Noncurrent loans to loans | 1.8148% | 989 |
| Net loans and leases to total assets | 64.2211% | 3,357 |
| Net loans and leases to deposits | 80.9138% | 2,816 |
| Net loans and leases to core deposits | 85.0473% | 2,968 |
| Total domestic deposits to total assets | 79.3698% | 4,539 |
| Equity capital to assets | 19.0444% | 260 |
| Core capital (leverage) ratio | 18.9489% | 244 |
| Tier 1 risk-based capital ratio | 36.2758% | 274 |
| Total risk-based capital ratio | 37.5379% | 271 |
| Memoranda: | ||
| Average total assets | $74,065,330 | 4,782 |
| Average earning assets | $71,072,670 | 4,724 |
| Average equity | $13,956,000 | 3,892 |
| Average total loans | $48,136,000 | 4,576 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2931% | 5,116 |
| Cost of funding earning assets | 0.5778% | 1,525 |
| Net interest margin | 2.7152% | 5,372 |
| Noninterest income to average assets | 0.1721% | 5,249 |
| Noninterest expense to average assets | 2.6303% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0181% | 5,613 |
| Return on assets (ROA) | -0.0215% | 5,624 |
| Pretax return on assets | 0.1398% | 5,490 |
| Return on Equity (ROE) | -0.1148% | 5,617 |
| Retained earnings to average equity (ytd only) | -0.1148% | 4,938 |
| Net charge-offs to loans | 0.0748% | 1,587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,522 |
| Efficiency ratio | 94.7674% | 356 |
| Assets per employee ($millions) | 8.2107% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9098% | 778 |
| Loan loss allowance to noncurrent loans | 94.4215% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.3099% | 1,298 |
| Noncurrent loans to loans | 2.0227% | 878 |
| Net loans and leases to total assets | 63.5271% | 3,328 |
| Net loans and leases to deposits | 79.2357% | 2,839 |
| Net loans and leases to core deposits | 83.2075% | 2,974 |
| Total domestic deposits to total assets | 80.1748% | 4,583 |
| Equity capital to assets | 18.8589% | 256 |
| Core capital (leverage) ratio | 18.8269% | 244 |
| Tier 1 risk-based capital ratio | 36.6084% | 284 |
| Total risk-based capital ratio | 37.8707% | 278 |
| Memoranda: | ||
| Average total assets | $74,365,500 | 4,822 |
| Average earning assets | $71,301,500 | 4,759 |
| Average equity | $13,938,500 | 3,930 |
| Average total loans | $48,152,000 | 4,619 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3478% | 5,082 |
| Cost of funding earning assets | 0.6228% | 1,185 |
| Net interest margin | 2.7250% | 5,392 |
| Noninterest income to average assets | 0.2167% | 5,115 |
| Noninterest expense to average assets | 2.1281% | 4,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4503% | 4,798 |
| Return on assets (ROA) | 0.4637% | 4,840 |
| Pretax return on assets | 0.7422% | 4,366 |
| Return on Equity (ROE) | 2.5623% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.5623% | 4,060 |
| Net charge-offs to loans | -0.1687% | 5,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6888% | 2,182 |
| Assets per employee ($millions) | 8.3150% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9052% | 795 |
| Loan loss allowance to noncurrent loans | 93.6105% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3256% | 1,317 |
| Noncurrent loans to loans | 2.0353% | 879 |
| Net loans and leases to total assets | 63.5037% | 3,418 |
| Net loans and leases to deposits | 78.9170% | 3,001 |
| Net loans and leases to core deposits | 82.4365% | 3,183 |
| Total domestic deposits to total assets | 80.4690% | 4,460 |
| Equity capital to assets | 18.6290% | 270 |
| Core capital (leverage) ratio | 18.4509% | 255 |
| Tier 1 risk-based capital ratio | 36.3866% | 290 |
| Total risk-based capital ratio | 37.6486% | 283 |
| Memoranda: | ||
| Average total assets | $76,124,600 | 4,811 |
| Average earning assets | $73,541,200 | 4,725 |
| Average equity | $13,776,800 | 3,971 |
| Average total loans | $49,202,800 | 4,596 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3492% | 5,123 |
| Cost of funding earning assets | 0.6252% | 1,169 |
| Net interest margin | 2.7241% | 5,463 |
| Noninterest income to average assets | 0.2006% | 5,264 |
| Noninterest expense to average assets | 2.0231% | 5,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5094% | 4,660 |
| Return on assets (ROA) | 0.5128% | 4,751 |
| Pretax return on assets | 0.8197% | 4,250 |
| Return on Equity (ROE) | 2.8538% | 5,257 |
| Retained earnings to average equity (ytd only) | 2.8538% | 4,186 |
| Net charge-offs to loans | -0.2402% | 5,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2969% | 2,685 |
| Assets per employee ($millions) | 8.4366% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8638% | 906 |
| Loan loss allowance to noncurrent loans | 95.5761% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.4000% | 1,330 |
| Noncurrent loans to loans | 1.9500% | 1,018 |
| Net loans and leases to total assets | 64.4233% | 3,345 |
| Net loans and leases to deposits | 81.4656% | 2,803 |
| Net loans and leases to core deposits | 85.1009% | 3,031 |
| Total domestic deposits to total assets | 79.0805% | 4,700 |
| Equity capital to assets | 18.3237% | 318 |
| Core capital (leverage) ratio | 18.3299% | 274 |
| Tier 1 risk-based capital ratio | 35.3059% | 324 |
| Total risk-based capital ratio | 36.5688% | 322 |
| Memoranda: | ||
| Average total assets | $76,447,000 | 4,836 |
| Average earning assets | $74,005,250 | 4,756 |
| Average equity | $13,735,750 | 4,013 |
| Average total loans | $49,392,000 | 4,636 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3160% | 5,256 |
| Cost of funding earning assets | 0.6401% | 1,090 |
| Net interest margin | 2.6760% | 5,599 |
| Noninterest income to average assets | 0.2636% | 4,898 |
| Noninterest expense to average assets | 2.0334% | 5,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5291% | 4,565 |
| Return on assets (ROA) | 0.5090% | 4,756 |
| Pretax return on assets | 0.7961% | 4,293 |
| Return on Equity (ROE) | 2.8516% | 5,280 |
| Retained earnings to average equity (ytd only) | 2.8516% | 4,087 |
| Net charge-offs to loans | -0.1990% | 5,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0766% | 2,804 |
| Assets per employee ($millions) | 8.4646% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8298% | 1,030 |
| Loan loss allowance to noncurrent loans | 90.5295% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.4623% | 1,323 |
| Noncurrent loans to loans | 2.0212% | 981 |
| Net loans and leases to total assets | 62.6075% | 3,553 |
| Net loans and leases to deposits | 76.6185% | 3,314 |
| Net loans and leases to core deposits | 80.4436% | 3,421 |
| Total domestic deposits to total assets | 81.7133% | 4,086 |
| Equity capital to assets | 18.1528% | 325 |
| Core capital (leverage) ratio | 18.1423% | 286 |
| Tier 1 risk-based capital ratio | 35.8839% | 314 |
| Total risk-based capital ratio | 37.1453% | 310 |
| Memoranda: | ||
| Average total assets | $76,619,670 | 4,883 |
| Average earning assets | $74,366,000 | 4,794 |
| Average equity | $13,676,670 | 4,040 |
| Average total loans | $49,241,000 | 4,673 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9690% | 5,717 |
| Cost of funding earning assets | 0.6515% | 1,046 |
| Net interest margin | 2.3175% | 5,923 |
| Noninterest income to average assets | 0.0417% | 5,992 |
| Noninterest expense to average assets | 1.9794% | 5,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2136% | 5,501 |
| Return on assets (ROA) | 0.2136% | 5,565 |
| Pretax return on assets | 0.3230% | 5,466 |
| Return on Equity (ROE) | 1.2101% | 5,659 |
| Retained earnings to average equity (ytd only) | 1.2101% | 4,764 |
| Net charge-offs to loans | -0.2340% | 5,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9729% | 979 |
| Assets per employee ($millions) | 8.4421% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 1,188 |
| Loan loss allowance to noncurrent loans | 116.3320% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.1135% | 1,986 |
| Noncurrent loans to loans | 1.5324% | 1,522 |
| Net loans and leases to total assets | 63.0148% | 3,384 |
| Net loans and leases to deposits | 76.7928% | 3,129 |
| Net loans and leases to core deposits | 80.6108% | 3,273 |
| Total domestic deposits to total assets | 82.0582% | 4,205 |
| Equity capital to assets | 17.8931% | 334 |
| Core capital (leverage) ratio | 17.7421% | 310 |
| Tier 1 risk-based capital ratio | 35.6704% | 315 |
| Total risk-based capital ratio | 36.9326% | 312 |
| Memoranda: | ||
| Average total assets | $76,791,000 | 4,923 |
| Average earning assets | $74,907,500 | 4,824 |
| Average equity | $13,552,500 | 4,070 |
| Average total loans | $49,569,500 | 4,690 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2186% | 5,494 |
| Cost of funding earning assets | 0.8518% | 365 |
| Net interest margin | 2.3668% | 5,912 |
| Noninterest income to average assets | 0.0325% | 6,042 |
| Noninterest expense to average assets | 1.6832% | 5,859 |
| Loan and lease loss provision to assets | 0.0375% | 3,597 |
| Net operating income to assets | 0.3911% | 5,077 |
| Return on assets (ROA) | 0.3911% | 5,158 |
| Pretax return on assets | 0.6173% | 4,786 |
| Return on Equity (ROE) | 2.3440% | 5,488 |
| Retained earnings to average equity (ytd only) | 2.3440% | 4,389 |
| Net charge-offs to loans | 0.4158% | 690 |
| Credit loss provision to net charge-offs | 13.5747% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.3710% | 3,920 |
| Efficiency ratio | 71.9936% | 2,913 |
| Assets per employee ($millions) | 8.6226% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 1,428 |
| Loan loss allowance to noncurrent loans | 147.8873% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.9162% | 2,378 |
| Noncurrent loans to loans | 1.1272% | 2,089 |
| Net loans and leases to total assets | 63.8532% | 3,308 |
| Net loans and leases to deposits | 77.3634% | 3,120 |
| Net loans and leases to core deposits | 81.0932% | 3,234 |
| Total domestic deposits to total assets | 82.5368% | 4,007 |
| Equity capital to assets | 17.4091% | 368 |
| Core capital (leverage) ratio | 17.3280% | 332 |
| Tier 1 risk-based capital ratio | 34.5228% | 346 |
| Total risk-based capital ratio | 35.7836% | 342 |
| Memoranda: | ||
| Average total assets | $80,027,200 | 4,878 |
| Average earning assets | $77,953,600 | 4,765 |
| Average equity | $13,353,200 | 4,071 |
| Average total loans | $53,153,800 | 4,576 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2018% | 5,583 |
| Cost of funding earning assets | 0.8794% | 319 |
| Net interest margin | 2.3224% | 6,023 |
| Noninterest income to average assets | 0.0016% | 6,191 |
| Noninterest expense to average assets | 1.5444% | 6,013 |
| Loan and lease loss provision to assets | 0.0496% | 3,221 |
| Net operating income to assets | 0.4283% | 5,059 |
| Return on assets (ROA) | 0.4283% | 5,140 |
| Pretax return on assets | 0.6697% | 4,779 |
| Return on Equity (ROE) | 2.5937% | 5,523 |
| Retained earnings to average equity (ytd only) | 2.5937% | 4,568 |
| Net charge-offs to loans | 0.5547% | 415 |
| Credit loss provision to net charge-offs | 13.3929% | 3,422 |
| Earnings coverage of net charge-offs (x) | 1.9420% | 3,757 |
| Efficiency ratio | 68.2250% | 3,498 |
| Assets per employee ($millions) | 8.7544% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 1,722 |
| Loan loss allowance to noncurrent loans | 144.0620% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.0864% | 2,184 |
| Noncurrent loans to loans | 1.1242% | 2,256 |
| Net loans and leases to total assets | 64.5285% | 3,222 |
| Net loans and leases to deposits | 77.9379% | 3,104 |
| Net loans and leases to core deposits | 82.0548% | 3,245 |
| Total domestic deposits to total assets | 82.7948% | 3,881 |
| Equity capital to assets | 17.1151% | 424 |
| Core capital (leverage) ratio | 16.9666% | 386 |
| Tier 1 risk-based capital ratio | 33.8380% | 385 |
| Total risk-based capital ratio | 35.0964% | 379 |
| Memoranda: | ||
| Average total assets | $80,633,250 | 4,912 |
| Average earning assets | $78,537,750 | 4,808 |
| Average equity | $13,314,000 | 4,119 |
| Average total loans | $53,844,250 | 4,608 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2249% | 5,581 |
| Cost of funding earning assets | 0.9023% | 286 |
| Net interest margin | 2.3226% | 6,087 |
| Noninterest income to average assets | -0.0418% | 6,288 |
| Noninterest expense to average assets | 1.5385% | 6,092 |
| Loan and lease loss provision to assets | 0.0738% | 2,637 |
| Net operating income to assets | 0.3889% | 5,165 |
| Return on assets (ROA) | 0.3889% | 5,277 |
| Pretax return on assets | 0.6080% | 4,959 |
| Return on Equity (ROE) | 2.3836% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.3836% | 4,541 |
| Net charge-offs to loans | 0.8174% | 259 |
| Credit loss provision to net charge-offs | 13.4529% | 3,078 |
| Earnings coverage of net charge-offs (x) | 1.2422% | 3,552 |
| Efficiency ratio | 69.2905% | 3,444 |
| Assets per employee ($millions) | 8.8986% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5726% | 2,001 |
| Loan loss allowance to noncurrent loans | 83.8000% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 1,763 |
| Noncurrent loans to loans | 1.8766% | 1,341 |
| Net loans and leases to total assets | 65.4913% | 3,045 |
| Net loans and leases to deposits | 78.6416% | 2,951 |
| Net loans and leases to core deposits | 83.1945% | 3,060 |
| Total domestic deposits to total assets | 83.2782% | 3,840 |
| Equity capital to assets | 16.6219% | 453 |
| Core capital (leverage) ratio | 16.5563% | 408 |
| Tier 1 risk-based capital ratio | 32.5265% | 441 |
| Total risk-based capital ratio | 33.7841% | 433 |
| Memoranda: | ||
| Average total assets | $81,247,670 | 4,948 |
| Average earning assets | $79,134,000 | 4,847 |
| Average equity | $13,257,000 | 4,155 |
| Average total loans | $54,566,000 | 4,628 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1533% | 5,715 |
| Cost of funding earning assets | 0.9289% | 245 |
| Net interest margin | 2.2244% | 6,193 |
| Noninterest income to average assets | 0.0635% | 6,193 |
| Noninterest expense to average assets | 1.4029% | 6,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5279% | 4,552 |
| Return on assets (ROA) | 0.5279% | 4,671 |
| Pretax return on assets | 0.8261% | 4,146 |
| Return on Equity (ROE) | 3.2654% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.2654% | 4,026 |
| Net charge-offs to loans | 0.9057% | 267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.3520% | 2,930 |
| Efficiency ratio | 62.9386% | 4,632 |
| Assets per employee ($millions) | 10.2193% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 1,872 |
| Loan loss allowance to noncurrent loans | 84.1226% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.4972% | 1,750 |
| Noncurrent loans to loans | 1.9641% | 1,340 |
| Net loans and leases to total assets | 65.9650% | 2,780 |
| Net loans and leases to deposits | 78.8793% | 2,698 |
| Net loans and leases to core deposits | 83.3151% | 2,836 |
| Total domestic deposits to total assets | 83.6277% | 3,962 |
| Equity capital to assets | 16.2867% | 510 |
| Core capital (leverage) ratio | 16.3402% | 428 |
| Tier 1 risk-based capital ratio | 31.7047% | 470 |
| Total risk-based capital ratio | 32.9636% | 467 |
| Memoranda: | ||
| Average total assets | $81,828,000 | 4,993 |
| Average earning assets | $79,663,500 | 4,873 |
| Average equity | $13,229,500 | 4,195 |
| Average total loans | $55,205,000 | 4,636 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3582% | 5,611 |
| Cost of funding earning assets | 1.0957% | 138 |
| Net interest margin | 2.2625% | 6,285 |
| Noninterest income to average assets | -0.1195% | 6,458 |
| Noninterest expense to average assets | 1.8334% | 6,026 |
| Loan and lease loss provision to assets | 0.6510% | 204 |
| Net operating income to assets | -0.3390% | 6,252 |
| Return on assets (ROA) | -0.3456% | 6,247 |
| Pretax return on assets | -0.4296% | 6,263 |
| Return on Equity (ROE) | -2.1988% | 6,219 |
| Retained earnings to average equity (ytd only) | -2.1988% | 6,032 |
| Net charge-offs to loans | 0.6743% | 560 |
| Credit loss provision to net charge-offs | 141.7526% | 1,675 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 4,630 |
| Efficiency ratio | 88.8698% | 922 |
| Assets per employee ($millions) | 10.2378% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 1,411 |
| Loan loss allowance to noncurrent loans | 99.5174% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.3809% | 2,017 |
| Noncurrent loans to loans | 1.8641% | 1,525 |
| Net loans and leases to total assets | 66.5967% | 2,793 |
| Net loans and leases to deposits | 79.4430% | 2,790 |
| Net loans and leases to core deposits | 83.1349% | 2,979 |
| Total domestic deposits to total assets | 83.8295% | 3,795 |
| Equity capital to assets | 16.0484% | 526 |
| Core capital (leverage) ratio | 16.1669% | 452 |
| Tier 1 risk-based capital ratio | 31.5999% | 450 |
| Total risk-based capital ratio | 32.8648% | 437 |
| Memoranda: | ||
| Average total assets | $84,489,800 | 4,948 |
| Average earning assets | $81,501,600 | 4,865 |
| Average equity | $13,280,000 | 4,140 |
| Average total loans | $57,539,800 | 4,567 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3290% | 5,716 |
| Cost of funding earning assets | 1.1146% | 133 |
| Net interest margin | 2.2145% | 6,381 |
| Noninterest income to average assets | -0.0266% | 6,501 |
| Noninterest expense to average assets | 1.8104% | 6,073 |
| Loan and lease loss provision to assets | 0.2067% | 1,133 |
| Net operating income to assets | 0.0215% | 6,121 |
| Return on assets (ROA) | 0.0235% | 6,139 |
| Pretax return on assets | 0.0908% | 6,070 |
| Return on Equity (ROE) | 0.1502% | 6,144 |
| Retained earnings to average equity (ytd only) | 0.1502% | 5,759 |
| Net charge-offs to loans | 0.2619% | 1,487 |
| Credit loss provision to net charge-offs | 115.7895% | 1,962 |
| Earnings coverage of net charge-offs (x) | 1.6491% | 4,112 |
| Efficiency ratio | 86.0119% | 1,183 |
| Assets per employee ($millions) | 11.8756% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 2,505 |
| Loan loss allowance to noncurrent loans | 73.4660% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.6998% | 1,772 |
| Noncurrent loans to loans | 2.1084% | 1,484 |
| Net loans and leases to total assets | 67.7417% | 2,577 |
| Net loans and leases to deposits | 81.9694% | 2,428 |
| Net loans and leases to core deposits | 85.7619% | 2,688 |
| Total domestic deposits to total assets | 82.6426% | 4,254 |
| Equity capital to assets | 16.0895% | 548 |
| Core capital (leverage) ratio | 16.2964% | 441 |
| Tier 1 risk-based capital ratio | 31.3784% | 461 |
| Total risk-based capital ratio | 32.6385% | 450 |
| Memoranda: | ||
| Average total assets | $85,136,750 | 4,992 |
| Average earning assets | $81,944,250 | 4,905 |
| Average equity | $13,314,000 | 4,159 |
| Average total loans | $58,031,000 | 4,589 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3038% | 5,785 |
| Cost of funding earning assets | 1.1377% | 123 |
| Net interest margin | 2.1660% | 6,469 |
| Noninterest income to average assets | -0.0256% | 6,580 |
| Noninterest expense to average assets | 1.8577% | 6,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1165% | 6,013 |
| Return on assets (ROA) | 0.1165% | 6,056 |
| Pretax return on assets | 0.1935% | 5,958 |
| Return on Equity (ROE) | 0.7522% | 6,097 |
| Retained earnings to average equity (ytd only) | 0.7522% | 5,440 |
| Net charge-offs to loans | 0.1715% | 2,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.6600% | 3,747 |
| Efficiency ratio | 90.5682% | 872 |
| Assets per employee ($millions) | 12.1361% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 3,292 |
| Loan loss allowance to noncurrent loans | 60.6218% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 1.8834% | 1,722 |
| Noncurrent loans to loans | 2.3285% | 1,387 |
| Net loans and leases to total assets | 67.3313% | 2,529 |
| Net loans and leases to deposits | 79.9463% | 2,524 |
| Net loans and leases to core deposits | 83.9867% | 2,737 |
| Total domestic deposits to total assets | 84.2207% | 3,849 |
| Equity capital to assets | 15.7499% | 589 |
| Core capital (leverage) ratio | 15.9497% | 487 |
| Tier 1 risk-based capital ratio | 30.8738% | 489 |
| Total risk-based capital ratio | 32.1308% | 483 |
| Memoranda: | ||
| Average total assets | $85,806,000 | 5,024 |
| Average earning assets | $82,270,000 | 4,932 |
| Average equity | $13,293,670 | 4,168 |
| Average total loans | $58,308,330 | 4,599 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2606% | 5,919 |
| Cost of funding earning assets | 1.1645% | 110 |
| Net interest margin | 2.0961% | 6,562 |
| Noninterest income to average assets | -0.0046% | 6,626 |
| Noninterest expense to average assets | 1.8230% | 6,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1160% | 5,993 |
| Return on assets (ROA) | 0.1160% | 6,025 |
| Pretax return on assets | 0.1763% | 5,961 |
| Return on Equity (ROE) | 0.7547% | 6,091 |
| Retained earnings to average equity (ytd only) | 0.7547% | 5,286 |
| Net charge-offs to loans | 0.1711% | 1,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.5200% | 3,078 |
| Efficiency ratio | 91.1833% | 933 |
| Assets per employee ($millions) | 9.5882% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 3,327 |
| Loan loss allowance to noncurrent loans | 69.3509% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.8646% | 1,856 |
| Noncurrent loans to loans | 2.1064% | 1,744 |
| Net loans and leases to total assets | 65.9756% | 2,569 |
| Net loans and leases to deposits | 78.0193% | 2,553 |
| Net loans and leases to core deposits | 82.2102% | 2,717 |
| Total domestic deposits to total assets | 84.5632% | 4,058 |
| Equity capital to assets | 15.4101% | 614 |
| Core capital (leverage) ratio | 15.6642% | 519 |
| Tier 1 risk-based capital ratio | 30.8916% | 487 |
| Total risk-based capital ratio | 32.1493% | 482 |
| Memoranda: | ||
| Average total assets | $86,232,500 | 5,064 |
| Average earning assets | $82,440,000 | 4,960 |
| Average equity | $13,250,500 | 4,191 |
| Average total loans | $58,453,000 | 4,637 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4088% | 5,822 |
| Cost of funding earning assets | 1.3114% | 105 |
| Net interest margin | 2.0975% | 6,620 |
| Noninterest income to average assets | 0.1672% | 6,084 |
| Noninterest expense to average assets | 1.6843% | 6,463 |
| Loan and lease loss provision to assets | 0.0836% | 3,448 |
| Net operating income to assets | 0.2840% | 5,578 |
| Return on assets (ROA) | 0.2840% | 5,673 |
| Pretax return on assets | 0.4156% | 5,457 |
| Return on Equity (ROE) | 1.8681% | 5,887 |
| Retained earnings to average equity (ytd only) | 1.8681% | 4,906 |
| Net charge-offs to loans | 0.1419% | 3,384 |
| Credit loss provision to net charge-offs | 85.8824% | 2,877 |
| Earnings coverage of net charge-offs (x) | 5.1294% | 3,372 |
| Efficiency ratio | 77.1369% | 2,600 |
| Assets per employee ($millions) | 9.5746% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 3,330 |
| Loan loss allowance to noncurrent loans | 59.8485% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 1.9044% | 1,901 |
| Noncurrent loans to loans | 2.4556% | 1,554 |
| Net loans and leases to total assets | 67.6098% | 2,419 |
| Net loans and leases to deposits | 79.8607% | 2,475 |
| Net loans and leases to core deposits | 84.0765% | 2,670 |
| Total domestic deposits to total assets | 84.6596% | 3,905 |
| Equity capital to assets | 15.3219% | 617 |
| Core capital (leverage) ratio | 15.6449% | 523 |
| Tier 1 risk-based capital ratio | 30.4386% | 484 |
| Total risk-based capital ratio | 31.6982% | 480 |
| Memoranda: | ||
| Average total assets | $87,335,400 | 5,042 |
| Average earning assets | $83,958,200 | 4,931 |
| Average equity | $13,275,200 | 4,211 |
| Average total loans | $59,896,400 | 4,613 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4174% | 5,850 |
| Cost of funding earning assets | 1.3297% | 107 |
| Net interest margin | 2.0877% | 6,699 |
| Noninterest income to average assets | 0.1932% | 6,017 |
| Noninterest expense to average assets | 1.5763% | 6,574 |
| Loan and lease loss provision to assets | 0.1111% | 2,907 |
| Net operating income to assets | 0.3652% | 5,387 |
| Return on assets (ROA) | 0.3652% | 5,522 |
| Pretax return on assets | 0.5173% | 5,301 |
| Return on Equity (ROE) | 2.4072% | 5,820 |
| Retained earnings to average equity (ytd only) | 2.4072% | 4,887 |
| Net charge-offs to loans | 0.1975% | 2,655 |
| Credit loss provision to net charge-offs | 82.0225% | 2,793 |
| Earnings coverage of net charge-offs (x) | 4.6406% | 3,388 |
| Efficiency ratio | 71.4976% | 3,509 |
| Assets per employee ($millions) | 9.5701% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 3,619 |
| Loan loss allowance to noncurrent loans | 44.6106% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 2.5682% | 1,483 |
| Noncurrent loans to loans | 3.2845% | 1,188 |
| Net loans and leases to total assets | 67.5367% | 2,365 |
| Net loans and leases to deposits | 79.9566% | 2,415 |
| Net loans and leases to core deposits | 84.0777% | 2,648 |
| Total domestic deposits to total assets | 84.4667% | 3,996 |
| Equity capital to assets | 15.3661% | 646 |
| Core capital (leverage) ratio | 15.6501% | 548 |
| Tier 1 risk-based capital ratio | 30.5512% | 490 |
| Total risk-based capital ratio | 31.8094% | 490 |
| Memoranda: | ||
| Average total assets | $87,626,500 | 5,084 |
| Average earning assets | $84,428,750 | 4,967 |
| Average equity | $13,293,250 | 4,252 |
| Average total loans | $60,088,250 | 4,653 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4413% | 5,810 |
| Cost of funding earning assets | 1.3553% | 107 |
| Net interest margin | 2.0860% | 6,737 |
| Noninterest income to average assets | 0.2723% | 5,504 |
| Noninterest expense to average assets | 1.5455% | 6,641 |
| Loan and lease loss provision to assets | 0.1657% | 2,253 |
| Net operating income to assets | 0.3972% | 5,229 |
| Return on assets (ROA) | 0.3972% | 5,391 |
| Pretax return on assets | 0.5696% | 5,133 |
| Return on Equity (ROE) | 2.6291% | 5,745 |
| Retained earnings to average equity (ytd only) | 2.6291% | 4,635 |
| Net charge-offs to loans | 0.2548% | 2,195 |
| Credit loss provision to net charge-offs | 94.8052% | 2,337 |
| Earnings coverage of net charge-offs (x) | 4.2078% | 3,187 |
| Efficiency ratio | 67.7612% | 4,225 |
| Assets per employee ($millions) | 9.6694% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 3,754 |
| Loan loss allowance to noncurrent loans | 51.8015% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 2.1718% | 1,989 |
| Noncurrent loans to loans | 2.8231% | 1,601 |
| Net loans and leases to total assets | 67.9035% | 2,258 |
| Net loans and leases to deposits | 80.2556% | 2,287 |
| Net loans and leases to core deposits | 84.3258% | 2,510 |
| Total domestic deposits to total assets | 84.6090% | 4,082 |
| Equity capital to assets | 15.2922% | 656 |
| Core capital (leverage) ratio | 15.4251% | 535 |
| Tier 1 risk-based capital ratio | 30.4217% | 502 |
| Total risk-based capital ratio | 31.6818% | 499 |
| Memoranda: | ||
| Average total assets | $88,125,000 | 5,103 |
| Average earning assets | $84,851,330 | 4,987 |
| Average equity | $13,312,670 | 4,280 |
| Average total loans | $60,439,330 | 4,658 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5386% | 5,613 |
| Cost of funding earning assets | 1.3901% | 100 |
| Net interest margin | 2.1484% | 6,786 |
| Noninterest income to average assets | 0.0180% | 6,815 |
| Noninterest expense to average assets | 1.5066% | 6,735 |
| Loan and lease loss provision to assets | 0.1489% | 2,392 |
| Net operating income to assets | 0.3067% | 5,546 |
| Return on assets (ROA) | 0.3067% | 5,670 |
| Pretax return on assets | 0.4330% | 5,459 |
| Return on Equity (ROE) | 2.0428% | 5,926 |
| Retained earnings to average equity (ytd only) | 2.0428% | 4,981 |
| Net charge-offs to loans | 0.4351% | 1,364 |
| Credit loss provision to net charge-offs | 50.0000% | 2,595 |
| Earnings coverage of net charge-offs (x) | 1.9545% | 3,184 |
| Efficiency ratio | 72.1382% | 3,590 |
| Assets per employee ($millions) | 8.8402% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 4,287 |
| Loan loss allowance to noncurrent loans | 47.1635% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 2.3325% | 1,993 |
| Noncurrent loans to loans | 2.9503% | 1,703 |
| Net loans and leases to total assets | 67.9781% | 2,014 |
| Net loans and leases to deposits | 80.0837% | 2,059 |
| Net loans and leases to core deposits | 83.7862% | 2,347 |
| Total domestic deposits to total assets | 84.8838% | 4,100 |
| Equity capital to assets | 15.0969% | 736 |
| Core capital (leverage) ratio | 14.6427% | 645 |
| Tier 1 risk-based capital ratio | 30.2311% | 519 |
| Total risk-based capital ratio | 31.4898% | 515 |
| Memoranda: | ||
| Average total assets | $88,675,000 | 5,136 |
| Average earning assets | $85,458,500 | 4,999 |
| Average equity | $13,315,000 | 4,327 |
| Average total loans | $60,674,000 | 4,686 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7904% | 5,848 |
| Cost of funding earning assets | 1.7774% | 55 |
| Net interest margin | 2.0129% | 6,930 |
| Noninterest income to average assets | -0.0278% | 6,869 |
| Noninterest expense to average assets | 1.7080% | 6,717 |
| Loan and lease loss provision to assets | 0.3945% | 1,653 |
| Net operating income to assets | -0.2423% | 6,404 |
| Return on assets (ROA) | -0.2423% | 6,464 |
| Pretax return on assets | -0.3445% | 6,504 |
| Return on Equity (ROE) | -1.6342% | 6,430 |
| Retained earnings to average equity (ytd only) | -1.6342% | 6,109 |
| Net charge-offs to loans | -0.0845% | 6,795 |
| Credit loss provision to net charge-offs | -696.0784% | 6,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1555% | 655 |
| Assets per employee ($millions) | 9.8831% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 3,905 |
| Loan loss allowance to noncurrent loans | 47.3401% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 2.3553% | 2,086 |
| Noncurrent loans to loans | 3.0808% | 1,684 |
| Net loans and leases to total assets | 66.9211% | 2,379 |
| Net loans and leases to deposits | 78.6775% | 2,441 |
| Net loans and leases to core deposits | 81.9621% | 2,778 |
| Total domestic deposits to total assets | 85.0576% | 3,836 |
| Equity capital to assets | 14.9346% | 753 |
| Core capital (leverage) ratio | 14.4595% | 682 |
| Tier 1 risk-based capital ratio | 30.3878% | 501 |
| Total risk-based capital ratio | 31.5853% | 498 |
| Memoranda: | ||
| Average total assets | $89,986,600 | 5,083 |
| Average earning assets | $79,833,600 | 5,128 |
| Average equity | $13,340,000 | 4,286 |
| Average total loans | $60,347,800 | 4,695 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1186% | 5,121 |
| Cost of funding earning assets | 1.8500% | 50 |
| Net interest margin | 2.2686% | 6,958 |
| Noninterest income to average assets | -0.0133% | 6,964 |
| Noninterest expense to average assets | 1.6916% | 6,794 |
| Loan and lease loss provision to assets | 0.5245% | 1,148 |
| Net operating income to assets | -0.1714% | 6,478 |
| Return on assets (ROA) | -0.1714% | 6,550 |
| Pretax return on assets | -0.2600% | 6,576 |
| Return on Equity (ROE) | -1.1582% | 6,514 |
| Retained earnings to average equity (ytd only) | -1.1582% | 6,293 |
| Net charge-offs to loans | -0.0597% | 6,749 |
| Credit loss provision to net charge-offs | -1,314.8148% | 6,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4804% | 1,345 |
| Assets per employee ($millions) | 9.0146% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 4,249 |
| Loan loss allowance to noncurrent loans | 44.9869% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 2.3063% | 2,307 |
| Noncurrent loans to loans | 3.1738% | 1,743 |
| Net loans and leases to total assets | 65.6335% | 2,721 |
| Net loans and leases to deposits | 77.1939% | 2,774 |
| Net loans and leases to core deposits | 80.3602% | 3,156 |
| Total domestic deposits to total assets | 85.0243% | 3,731 |
| Equity capital to assets | 14.8559% | 857 |
| Core capital (leverage) ratio | 14.4213% | 730 |
| Tier 1 risk-based capital ratio | 30.5776% | 502 |
| Total risk-based capital ratio | 31.8376% | 490 |
| Memoranda: | ||
| Average total assets | $90,246,250 | 5,132 |
| Average earning assets | $78,341,500 | 5,234 |
| Average equity | $13,354,000 | 4,329 |
| Average total loans | $60,333,250 | 4,750 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 5,180 |
| Cost of funding earning assets | 1.8694% | 53 |
| Net interest margin | 2.2660% | 7,018 |
| Noninterest income to average assets | -0.0066% | 7,013 |
| Noninterest expense to average assets | 1.7501% | 6,803 |
| Loan and lease loss provision to assets | 0.7864% | 645 |
| Net operating income to assets | -0.3700% | 6,661 |
| Return on assets (ROA) | -0.3700% | 6,711 |
| Pretax return on assets | -0.5560% | 6,757 |
| Return on Equity (ROE) | -2.5035% | 6,646 |
| Retained earnings to average equity (ytd only) | -2.5035% | 6,411 |
| Net charge-offs to loans | -0.2482% | 7,042 |
| Credit loss provision to net charge-offs | -473.3333% | 6,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3669% | 1,202 |
| Assets per employee ($millions) | 11.2356% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 3,990 |
| Loan loss allowance to noncurrent loans | 62.5864% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.7812% | 3,063 |
| Noncurrent loans to loans | 2.4020% | 2,502 |
| Net loans and leases to total assets | 65.9665% | 2,676 |
| Net loans and leases to deposits | 77.5196% | 2,747 |
| Net loans and leases to core deposits | 81.1813% | 3,060 |
| Total domestic deposits to total assets | 85.0965% | 3,815 |
| Equity capital to assets | 14.8490% | 821 |
| Core capital (leverage) ratio | 14.3822% | 719 |
| Tier 1 risk-based capital ratio | 28.9308% | 577 |
| Total risk-based capital ratio | 30.2088% | 561 |
| Memoranda: | ||
| Average total assets | $90,279,670 | 5,158 |
| Average earning assets | $79,171,670 | 5,233 |
| Average equity | $13,341,330 | 4,330 |
| Average total loans | $60,436,670 | 4,774 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 5,688 |
| Cost of funding earning assets | 1.8944% | 60 |
| Net interest margin | 2.1312% | 7,121 |
| Noninterest income to average assets | 0.0088% | 7,075 |
| Noninterest expense to average assets | 1.7375% | 6,863 |
| Loan and lease loss provision to assets | 1.5474% | 221 |
| Net operating income to assets | -1.4324% | 7,076 |
| Return on assets (ROA) | -1.4324% | 7,085 |
| Pretax return on assets | -1.3661% | 7,060 |
| Return on Equity (ROE) | -9.7162% | 6,983 |
| Retained earnings to average equity (ytd only) | -9.7162% | 6,832 |
| Net charge-offs to loans | 0.2642% | 2,609 |
| Credit loss provision to net charge-offs | 875.0000% | 403 |
| Earnings coverage of net charge-offs (x) | 1.0250% | 3,812 |
| Efficiency ratio | 90.5530% | 1,047 |
| Assets per employee ($millions) | 10.0896% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 5,033 |
| Loan loss allowance to noncurrent loans | 49.5268% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.9107% | 3,032 |
| Noncurrent loans to loans | 2.6205% | 2,483 |
| Net loans and leases to total assets | 65.7446% | 2,510 |
| Net loans and leases to deposits | 76.9033% | 2,688 |
| Net loans and leases to core deposits | 80.9481% | 2,954 |
| Total domestic deposits to total assets | 85.4899% | 3,798 |
| Equity capital to assets | 14.4869% | 867 |
| Core capital (leverage) ratio | 14.3084% | 730 |
| Tier 1 risk-based capital ratio | 31.2833% | 474 |
| Total risk-based capital ratio | 32.5409% | 464 |
| Memoranda: | ||
| Average total assets | $90,477,000 | 5,189 |
| Average earning assets | $81,081,000 | 5,219 |
| Average equity | $13,338,500 | 4,341 |
| Average total loans | $60,555,500 | 4,790 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 5,846 |
| Cost of funding earning assets | 1.9914% | 105 |
| Net interest margin | 2.2812% | 7,150 |
| Noninterest income to average assets | 0.0733% | 6,741 |
| Noninterest expense to average assets | 1.7897% | 6,967 |
| Loan and lease loss provision to assets | 1.3282% | 604 |
| Net operating income to assets | -0.1546% | 6,211 |
| Return on assets (ROA) | -0.1546% | 6,279 |
| Pretax return on assets | -0.8725% | 6,675 |
| Return on Equity (ROE) | -0.9934% | 6,243 |
| Retained earnings to average equity (ytd only) | -0.9934% | 6,004 |
| Net charge-offs to loans | 1.8686% | 771 |
| Credit loss provision to net charge-offs | 104.3165% | 3,294 |
| Earnings coverage of net charge-offs (x) | 0.3579% | 5,551 |
| Efficiency ratio | 79.7042% | 2,347 |
| Assets per employee ($millions) | 9.0148% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 6,776 |
| Loan loss allowance to noncurrent loans | 39.0304% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 1.5752% | 3,584 |
| Noncurrent loans to loans | 2.0074% | 3,193 |
| Net loans and leases to total assets | 66.7247% | 2,634 |
| Net loans and leases to deposits | 78.5128% | 2,755 |
| Net loans and leases to core deposits | 81.5673% | 3,240 |
| Total domestic deposits to total assets | 84.9858% | 3,859 |
| Equity capital to assets | 14.9998% | 783 |
| Core capital (leverage) ratio | 14.9771% | 608 |
| Tier 1 risk-based capital ratio | 30.3414% | 504 |
| Total risk-based capital ratio | 31.4092% | 502 |
| Memoranda: | ||
| Average total assets | $87,334,400 | 5,253 |
| Average earning assets | $83,158,000 | 5,134 |
| Average equity | $13,590,000 | 4,220 |
| Average total loans | $59,508,400 | 4,880 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3477% | 5,784 |
| Cost of funding earning assets | 2.0264% | 108 |
| Net interest margin | 2.3214% | 7,212 |
| Noninterest income to average assets | 0.0831% | 6,827 |
| Noninterest expense to average assets | 1.7576% | 7,038 |
| Loan and lease loss provision to assets | 1.4005% | 518 |
| Net operating income to assets | -0.0154% | 6,175 |
| Return on assets (ROA) | -0.0154% | 6,281 |
| Pretax return on assets | -0.8711% | 6,817 |
| Return on Equity (ROE) | -0.0980% | 6,276 |
| Retained earnings to average equity (ytd only) | -0.0980% | 5,985 |
| Net charge-offs to loans | 1.7491% | 777 |
| Credit loss provision to net charge-offs | 117.1171% | 2,786 |
| Earnings coverage of net charge-offs (x) | 0.4427% | 5,294 |
| Efficiency ratio | 76.8506% | 2,698 |
| Assets per employee ($millions) | 9.0029% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9283% | 6,517 |
| Loan loss allowance to noncurrent loans | 46.7836% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 1.5750% | 3,730 |
| Noncurrent loans to loans | 1.9843% | 3,391 |
| Net loans and leases to total assets | 66.3842% | 2,805 |
| Net loans and leases to deposits | 78.4122% | 2,902 |
| Net loans and leases to core deposits | 81.5303% | 3,401 |
| Total domestic deposits to total assets | 84.6605% | 3,938 |
| Equity capital to assets | 15.1829% | 802 |
| Core capital (leverage) ratio | 15.1320% | 640 |
| Tier 1 risk-based capital ratio | 30.7607% | 504 |
| Total risk-based capital ratio | 31.4611% | 518 |
| Memoranda: | ||
| Average total assets | $86,631,000 | 5,307 |
| Average earning assets | $82,247,500 | 5,209 |
| Average equity | $13,607,000 | 4,216 |
| Average total loans | $59,229,000 | 4,936 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4362% | 5,566 |
| Cost of funding earning assets | 2.0538% | 122 |
| Net interest margin | 2.3825% | 7,240 |
| Noninterest income to average assets | 0.0468% | 7,058 |
| Noninterest expense to average assets | 1.8152% | 7,067 |
| Loan and lease loss provision to assets | 1.4316% | 504 |
| Net operating income to assets | -0.6503% | 6,791 |
| Return on assets (ROA) | -0.6503% | 6,796 |
| Pretax return on assets | -0.9450% | 6,881 |
| Return on Equity (ROE) | -4.0923% | 6,651 |
| Retained earnings to average equity (ytd only) | -4.0923% | 6,479 |
| Net charge-offs to loans | 1.3387% | 1,142 |
| Credit loss provision to net charge-offs | 155.3299% | 1,960 |
| Earnings coverage of net charge-offs (x) | 0.5279% | 4,911 |
| Efficiency ratio | 78.8618% | 2,576 |
| Assets per employee ($millions) | 8.7898% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 5,962 |
| Loan loss allowance to noncurrent loans | 44.6441% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 2.7191% | 2,459 |
| Noncurrent loans to loans | 2.4628% | 2,926 |
| Net loans and leases to total assets | 66.1096% | 3,009 |
| Net loans and leases to deposits | 78.0752% | 3,111 |
| Net loans and leases to core deposits | 80.8799% | 3,668 |
| Total domestic deposits to total assets | 84.6743% | 4,038 |
| Equity capital to assets | 15.2393% | 763 |
| Core capital (leverage) ratio | 15.1968% | 629 |
| Tier 1 risk-based capital ratio | 30.0590% | 525 |
| Total risk-based capital ratio | 31.0699% | 529 |
| Memoranda: | ||
| Average total assets | $85,498,330 | 5,382 |
| Average earning assets | $80,924,670 | 5,291 |
| Average equity | $13,586,330 | 4,200 |
| Average total loans | $58,863,670 | 5,011 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5552% | 5,149 |
| Cost of funding earning assets | 2.0715% | 137 |
| Net interest margin | 2.4837% | 7,209 |
| Noninterest income to average assets | 0.0996% | 6,917 |
| Noninterest expense to average assets | 1.7746% | 7,166 |
| Loan and lease loss provision to assets | 0.2610% | 3,050 |
| Net operating income to assets | 0.2515% | 5,610 |
| Return on assets (ROA) | 0.2515% | 5,675 |
| Pretax return on assets | 0.4081% | 5,318 |
| Return on Equity (ROE) | 1.5495% | 5,965 |
| Retained earnings to average equity (ytd only) | 1.5495% | 5,186 |
| Net charge-offs to loans | 0.1901% | 3,361 |
| Credit loss provision to net charge-offs | 196.4286% | 1,509 |
| Earnings coverage of net charge-offs (x) | 5.0357% | 2,346 |
| Efficiency ratio | 72.6214% | 3,746 |
| Assets per employee ($millions) | 8.5575% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 6,971 |
| Loan loss allowance to noncurrent loans | 20.8928% | 6,740 |
| Noncurrent assets plus other real estate owned to assets | 3.7441% | 1,805 |
| Noncurrent loans to loans | 3.6872% | 2,001 |
| Net loans and leases to total assets | 68.3377% | 2,483 |
| Net loans and leases to deposits | 81.3952% | 2,464 |
| Net loans and leases to core deposits | 83.8868% | 3,176 |
| Total domestic deposits to total assets | 83.9579% | 4,505 |
| Equity capital to assets | 16.0082% | 573 |
| Core capital (leverage) ratio | 16.0062% | 500 |
| Tier 1 risk-based capital ratio | 30.9530% | 482 |
| Total risk-based capital ratio | 31.9789% | 478 |
| Memoranda: | ||
| Average total assets | $84,298,500 | 5,461 |
| Average earning assets | $79,557,500 | 5,374 |
| Average equity | $13,682,000 | 4,173 |
| Average total loans | $58,918,000 | 5,055 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 5,200 |
| Cost of funding earning assets | 2.2835% | 224 |
| Net interest margin | 2.5766% | 7,225 |
| Noninterest income to average assets | -0.1057% | 7,392 |
| Noninterest expense to average assets | 1.7412% | 7,318 |
| Loan and lease loss provision to assets | 0.2649% | 4,679 |
| Net operating income to assets | 0.2749% | 5,020 |
| Return on assets (ROA) | 0.2749% | 5,183 |
| Pretax return on assets | 0.3370% | 5,122 |
| Return on Equity (ROE) | 1.6296% | 5,517 |
| Retained earnings to average equity (ytd only) | 1.6296% | 4,703 |
| Net charge-offs to loans | 0.2732% | 4,657 |
| Credit loss provision to net charge-offs | 136.5385% | 2,810 |
| Earnings coverage of net charge-offs (x) | 3.1026% | 3,522 |
| Efficiency ratio | 74.3100% | 3,334 |
| Assets per employee ($millions) | 8.3022% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 7,094 |
| Loan loss allowance to noncurrent loans | 20.0845% | 6,808 |
| Noncurrent assets plus other real estate owned to assets | 3.9194% | 1,737 |
| Noncurrent loans to loans | 3.6179% | 2,070 |
| Net loans and leases to total assets | 70.4319% | 2,423 |
| Net loans and leases to deposits | 84.3866% | 2,390 |
| Net loans and leases to core deposits | 86.4067% | 3,263 |
| Total domestic deposits to total assets | 83.4634% | 4,625 |
| Equity capital to assets | 16.4595% | 526 |
| Core capital (leverage) ratio | 16.4283% | 454 |
| Tier 1 risk-based capital ratio | 31.0746% | 462 |
| Total risk-based capital ratio | 32.0501% | 466 |
| Memoranda: | ||
| Average total assets | $80,406,000 | 5,583 |
| Average earning assets | $76,418,200 | 5,467 |
| Average equity | $13,562,000 | 4,244 |
| Average total loans | $57,109,600 | 5,193 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 5,290 |
| Cost of funding earning assets | 2.3231% | 251 |
| Net interest margin | 2.5725% | 7,334 |
| Noninterest income to average assets | -0.1070% | 7,544 |
| Noninterest expense to average assets | 1.6735% | 7,453 |
| Loan and lease loss provision to assets | 0.2976% | 4,197 |
| Net operating income to assets | 0.3176% | 5,094 |
| Return on assets (ROA) | 0.3176% | 5,265 |
| Pretax return on assets | 0.3712% | 5,309 |
| Return on Equity (ROE) | 1.8715% | 5,654 |
| Retained earnings to average equity (ytd only) | 1.8715% | 5,023 |
| Net charge-offs to loans | 0.3953% | 3,704 |
| Credit loss provision to net charge-offs | 105.9524% | 4,032 |
| Earnings coverage of net charge-offs (x) | 2.3810% | 3,984 |
| Efficiency ratio | 71.4490% | 3,810 |
| Assets per employee ($millions) | 8.2174% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6481% | 7,286 |
| Loan loss allowance to noncurrent loans | 17.3358% | 6,994 |
| Noncurrent assets plus other real estate owned to assets | 4.1096% | 1,680 |
| Noncurrent loans to loans | 3.7383% | 2,072 |
| Net loans and leases to total assets | 70.8947% | 2,516 |
| Net loans and leases to deposits | 85.1661% | 2,492 |
| Net loans and leases to core deposits | 87.6717% | 3,419 |
| Total domestic deposits to total assets | 83.2429% | 4,485 |
| Equity capital to assets | 16.6257% | 572 |
| Core capital (leverage) ratio | 16.5475% | 487 |
| Tier 1 risk-based capital ratio | 31.1883% | 462 |
| Total risk-based capital ratio | 32.0607% | 475 |
| Memoranda: | ||
| Average total assets | $79,752,000 | 5,669 |
| Average earning assets | $75,930,250 | 5,549 |
| Average equity | $13,536,250 | 4,319 |
| Average total loans | $56,661,500 | 5,288 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 5,302 |
| Cost of funding earning assets | 2.3757% | 255 |
| Net interest margin | 2.5462% | 7,387 |
| Noninterest income to average assets | -0.1647% | 7,669 |
| Noninterest expense to average assets | 1.7303% | 7,478 |
| Loan and lease loss provision to assets | 0.2229% | 4,669 |
| Net operating income to assets | 0.3167% | 5,113 |
| Return on assets (ROA) | 0.3167% | 5,278 |
| Pretax return on assets | 0.3040% | 5,486 |
| Return on Equity (ROE) | 1.8526% | 5,676 |
| Retained earnings to average equity (ytd only) | 1.8526% | 4,942 |
| Net charge-offs to loans | 0.2928% | 3,861 |
| Credit loss provision to net charge-offs | 107.3171% | 3,798 |
| Earnings coverage of net charge-offs (x) | 2.5366% | 3,733 |
| Efficiency ratio | 76.6554% | 2,960 |
| Assets per employee ($millions) | 7.9895% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 7,317 |
| Loan loss allowance to noncurrent loans | 22.7053% | 6,805 |
| Noncurrent assets plus other real estate owned to assets | 3.4971% | 2,006 |
| Noncurrent loans to loans | 2.9233% | 2,734 |
| Net loans and leases to total assets | 70.4337% | 2,810 |
| Net loans and leases to deposits | 84.9635% | 2,710 |
| Net loans and leases to core deposits | 88.4657% | 3,487 |
| Total domestic deposits to total assets | 82.8988% | 4,611 |
| Equity capital to assets | 17.0098% | 525 |
| Core capital (leverage) ratio | 16.9412% | 449 |
| Tier 1 risk-based capital ratio | 32.2615% | 416 |
| Total risk-based capital ratio | 33.1584% | 420 |
| Memoranda: | ||
| Average total assets | $78,944,670 | 5,729 |
| Average earning assets | $75,092,330 | 5,601 |
| Average equity | $13,494,330 | 4,326 |
| Average total loans | $56,003,000 | 5,352 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9536% | 5,221 |
| Cost of funding earning assets | 2.4206% | 281 |
| Net interest margin | 2.5330% | 7,446 |
| Noninterest income to average assets | -0.1682% | 7,792 |
| Noninterest expense to average assets | 1.6924% | 7,583 |
| Loan and lease loss provision to assets | 0.1682% | 4,850 |
| Net operating income to assets | 0.2090% | 5,652 |
| Return on assets (ROA) | 0.2090% | 5,772 |
| Pretax return on assets | 0.3823% | 5,349 |
| Return on Equity (ROE) | 1.2196% | 6,056 |
| Retained earnings to average equity (ytd only) | 1.2196% | 5,329 |
| Net charge-offs to loans | 0.3520% | 2,999 |
| Credit loss provision to net charge-offs | 67.3469% | 4,157 |
| Earnings coverage of net charge-offs (x) | 2.2041% | 3,436 |
| Efficiency ratio | 75.4545% | 3,311 |
| Assets per employee ($millions) | 7.9273% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6291% | 7,459 |
| Loan loss allowance to noncurrent loans | 19.3850% | 7,044 |
| Noncurrent assets plus other real estate owned to assets | 3.8967% | 1,771 |
| Noncurrent loans to loans | 3.2455% | 2,461 |
| Net loans and leases to total assets | 70.3329% | 2,851 |
| Net loans and leases to deposits | 84.7895% | 2,803 |
| Net loans and leases to core deposits | 87.7451% | 3,650 |
| Total domestic deposits to total assets | 82.9501% | 4,654 |
| Equity capital to assets | 17.0033% | 536 |
| Core capital (leverage) ratio | 16.9792% | 461 |
| Tier 1 risk-based capital ratio | 30.8737% | 480 |
| Total risk-based capital ratio | 31.6836% | 490 |
| Memoranda: | ||
| Average total assets | $78,469,500 | 5,815 |
| Average earning assets | $74,693,500 | 5,683 |
| Average equity | $13,446,500 | 4,364 |
| Average total loans | $55,680,000 | 5,433 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2566% | 5,377 |
| Cost of funding earning assets | 2.7396% | 529 |
| Net interest margin | 2.5170% | 7,413 |
| Noninterest income to average assets | 0.0249% | 7,609 |
| Noninterest expense to average assets | 1.8512% | 7,566 |
| Loan and lease loss provision to assets | 0.5560% | 3,592 |
| Net operating income to assets | 0.0209% | 5,428 |
| Return on assets (ROA) | 0.0209% | 5,470 |
| Pretax return on assets | 0.0288% | 5,371 |
| Return on Equity (ROE) | 0.1190% | 5,500 |
| Retained earnings to average equity (ytd only) | 0.1190% | 4,831 |
| Net charge-offs to loans | 0.8404% | 2,728 |
| Credit loss provision to net charge-offs | 94.2350% | 5,840 |
| Earnings coverage of net charge-offs (x) | 0.9911% | 5,119 |
| Efficiency ratio | 75.9936% | 3,529 |
| Assets per employee ($millions) | 7.7666% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6697% | 7,437 |
| Loan loss allowance to noncurrent loans | 22.0896% | 6,957 |
| Noncurrent assets plus other real estate owned to assets | 2.5326% | 2,764 |
| Noncurrent loans to loans | 3.0316% | 2,545 |
| Net loans and leases to total assets | 70.6641% | 3,086 |
| Net loans and leases to deposits | 85.4487% | 3,006 |
| Net loans and leases to core deposits | 105.3074% | 3,417 |
| Total domestic deposits to total assets | 82.6977% | 4,659 |
| Equity capital to assets | 17.2714% | 524 |
| Core capital (leverage) ratio | 17.2842% | 459 |
| Tier 1 risk-based capital ratio | 32.7248% | 422 |
| Total risk-based capital ratio | 33.6266% | 423 |
| Memoranda: | ||
| Average total assets | $76,436,200 | 5,829 |
| Average earning assets | $73,221,600 | 5,711 |
| Average equity | $13,449,200 | 4,395 |
| Average total loans | $53,665,600 | 5,520 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 5,518 |
| Cost of funding earning assets | 2.7875% | 614 |
| Net interest margin | 2.4954% | 7,471 |
| Noninterest income to average assets | 0.0876% | 7,458 |
| Noninterest expense to average assets | 1.8144% | 7,652 |
| Loan and lease loss provision to assets | 0.3993% | 3,918 |
| Net operating income to assets | 0.1751% | 5,234 |
| Return on assets (ROA) | 0.1751% | 5,305 |
| Pretax return on assets | 0.2680% | 5,143 |
| Return on Equity (ROE) | 0.9907% | 5,502 |
| Retained earnings to average equity (ytd only) | 0.9907% | 4,758 |
| Net charge-offs to loans | 0.7108% | 2,569 |
| Credit loss provision to net charge-offs | 80.2817% | 5,757 |
| Earnings coverage of net charge-offs (x) | 1.3415% | 4,780 |
| Efficiency ratio | 73.1122% | 4,036 |
| Assets per employee ($millions) | 7.8787% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7139% | 7,335 |
| Loan loss allowance to noncurrent loans | 24.1834% | 6,832 |
| Noncurrent assets plus other real estate owned to assets | 2.4065% | 2,859 |
| Noncurrent loans to loans | 2.9519% | 2,570 |
| Net loans and leases to total assets | 67.9643% | 3,970 |
| Net loans and leases to deposits | 82.2471% | 3,972 |
| Net loans and leases to core deposits | 102.1948% | 4,135 |
| Total domestic deposits to total assets | 82.6342% | 4,385 |
| Equity capital to assets | 17.1475% | 612 |
| Core capital (leverage) ratio | 17.1433% | 533 |
| Tier 1 risk-based capital ratio | 33.6439% | 413 |
| Total risk-based capital ratio | 34.6029% | 414 |
| Memoranda: | ||
| Average total assets | $76,128,750 | 5,873 |
| Average earning assets | $73,039,250 | 5,752 |
| Average equity | $13,458,000 | 4,423 |
| Average total loans | $53,269,000 | 5,577 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3885% | 5,210 |
| Cost of funding earning assets | 2.8607% | 668 |
| Net interest margin | 2.5277% | 7,452 |
| Noninterest income to average assets | 0.1462% | 7,219 |
| Noninterest expense to average assets | 1.8633% | 7,668 |
| Loan and lease loss provision to assets | 0.6060% | 2,627 |
| Net operating income to assets | 0.0691% | 5,652 |
| Return on assets (ROA) | 0.0691% | 5,745 |
| Pretax return on assets | 0.0983% | 5,681 |
| Return on Equity (ROE) | 0.3869% | 5,816 |
| Retained earnings to average equity (ytd only) | 0.3869% | 5,063 |
| Net charge-offs to loans | 1.0066% | 1,758 |
| Credit loss provision to net charge-offs | 85.3933% | 5,054 |
| Earnings coverage of net charge-offs (x) | 0.9925% | 4,791 |
| Efficiency ratio | 72.5673% | 4,284 |
| Assets per employee ($millions) | 7.7777% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7586% | 7,278 |
| Loan loss allowance to noncurrent loans | 30.6697% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 2.3940% | 2,713 |
| Noncurrent loans to loans | 2.4734% | 2,929 |
| Net loans and leases to total assets | 67.7874% | 4,185 |
| Net loans and leases to deposits | 82.1397% | 4,205 |
| Net loans and leases to core deposits | 102.3589% | 4,255 |
| Total domestic deposits to total assets | 82.5270% | 4,463 |
| Equity capital to assets | 17.2416% | 630 |
| Core capital (leverage) ratio | 17.2650% | 582 |
| Tier 1 risk-based capital ratio | 33.9784% | 450 |
| Total risk-based capital ratio | 34.9978% | 442 |
| Memoranda: | ||
| Average total assets | $75,242,670 | 5,942 |
| Average earning assets | $72,080,000 | 5,821 |
| Average equity | $13,440,670 | 4,433 |
| Average total loans | $53,048,000 | 5,636 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4730% | 5,052 |
| Cost of funding earning assets | 2.9314% | 713 |
| Net interest margin | 2.5417% | 7,454 |
| Noninterest income to average assets | 0.1460% | 7,246 |
| Noninterest expense to average assets | 1.6330% | 7,883 |
| Loan and lease loss provision to assets | 0.1352% | 5,228 |
| Net operating income to assets | 0.5191% | 4,345 |
| Return on assets (ROA) | 0.5191% | 4,529 |
| Pretax return on assets | 0.8111% | 4,037 |
| Return on Equity (ROE) | 2.8537% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.8537% | 4,283 |
| Net charge-offs to loans | 0.3547% | 2,668 |
| Credit loss provision to net charge-offs | 53.1915% | 4,626 |
| Earnings coverage of net charge-offs (x) | 3.7234% | 3,087 |
| Efficiency ratio | 63.3124% | 5,808 |
| Assets per employee ($millions) | 7.5594% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7056% | 7,428 |
| Loan loss allowance to noncurrent loans | 28.5061% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 2.7608% | 2,052 |
| Noncurrent loans to loans | 2.4752% | 2,660 |
| Net loans and leases to total assets | 69.6233% | 3,774 |
| Net loans and leases to deposits | 84.9038% | 3,837 |
| Net loans and leases to core deposits | 105.2031% | 4,005 |
| Total domestic deposits to total assets | 82.0025% | 4,545 |
| Equity capital to assets | 17.8599% | 619 |
| Core capital (leverage) ratio | 17.8510% | 575 |
| Tier 1 risk-based capital ratio | 34.8557% | 440 |
| Total risk-based capital ratio | 35.8219% | 440 |
| Memoranda: | ||
| Average total assets | $73,975,500 | 6,002 |
| Average earning assets | $70,820,000 | 5,885 |
| Average equity | $13,456,000 | 4,464 |
| Average total loans | $53,009,000 | 5,671 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8367% | 6,310 |
| Cost of funding earning assets | 3.1847% | 1,241 |
| Net interest margin | 2.6520% | 7,577 |
| Noninterest income to average assets | 0.0609% | 7,842 |
| Noninterest expense to average assets | 1.7308% | 7,836 |
| Loan and lease loss provision to assets | 0.0652% | 6,575 |
| Net operating income to assets | 0.5284% | 4,622 |
| Return on assets (ROA) | 0.5765% | 4,276 |
| Pretax return on assets | 0.8994% | 3,723 |
| Return on Equity (ROE) | 3.0857% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.0857% | 3,239 |
| Net charge-offs to loans | 0.1172% | 5,089 |
| Credit loss provision to net charge-offs | 74.1935% | 6,009 |
| Earnings coverage of net charge-offs (x) | 10.1290% | 2,571 |
| Efficiency ratio | 66.0541% | 5,117 |
| Assets per employee ($millions) | 7.2357% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7489% | 7,287 |
| Loan loss allowance to noncurrent loans | 58.4683% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 2.4904% | 1,953 |
| Noncurrent loans to loans | 1.2808% | 3,951 |
| Net loans and leases to total assets | 72.7172% | 3,430 |
| Net loans and leases to deposits | 89.4282% | 3,548 |
| Net loans and leases to core deposits | 109.2321% | 3,837 |
| Total domestic deposits to total assets | 81.3135% | 4,507 |
| Equity capital to assets | 18.5345% | 596 |
| Core capital (leverage) ratio | 18.5139% | 554 |
| Tier 1 risk-based capital ratio | 35.0081% | 442 |
| Total risk-based capital ratio | 36.0459% | 438 |
| Memoranda: | ||
| Average total assets | $70,602,400 | 6,015 |
| Average earning assets | $68,138,400 | 5,891 |
| Average equity | $13,189,800 | 4,525 |
| Average total loans | $52,899,600 | 5,586 |