Home > Mutual Savings and Loan Association > Performance and Condition Ratios
Mutual Savings and Loan Association, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 4,063 |
| Cost of funding earning assets | 0.8488% | 4,109 |
| Net interest margin | 3.4579% | 2,420 |
| Noninterest income to average assets | 0.0900% | 4,163 |
| Noninterest expense to average assets | 3.6845% | 482 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | -0.2932% | 4,281 |
| Return on assets (ROA) | -0.2932% | 4,308 |
| Pretax return on assets | -0.3714% | 4,309 |
| Return on Equity (ROE) | -0.7700% | 4,225 |
| Retained earnings to average equity (ytd only) | -0.7680% | 3,825 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 111.2094% | 167 |
| Assets per employee ($millions) | 4.7368% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5969% | 4,175 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 81.3100% | 470 |
| Net loans and leases to deposits | 150.4762% | 24 |
| Net loans and leases to core deposits | 164.0837% | 102 |
| Total domestic deposits to total assets | 54.0300% | 4,327 |
| Equity capital to assets | 45.7434% | 136 |
| Core capital (leverage) ratio | 42.0361% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 98.7375% | 66 |
| Memoranda: | ||
| Average total assets | $40,928,000 | 4,279 |
| Average earning assets | $38,173,500 | 4,257 |
| Average equity | $15,625,000 | 3,317 |
| Average total loans | $30,902,500 | 4,073 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 4,142 |
| Cost of funding earning assets | 1.1245% | 3,907 |
| Net interest margin | 3.1019% | 2,939 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 3.3100% | 748 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -0.2685% | 4,304 |
| Return on assets (ROA) | -0.2685% | 4,330 |
| Pretax return on assets | -0.3409% | 4,331 |
| Return on Equity (ROE) | -0.7200% | 4,234 |
| Retained earnings to average equity (ytd only) | -0.7155% | 4,062 |
| Net charge-offs to loans | 0.0475% | 1,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | -8.4667% | 4,457 |
| Efficiency ratio | 111.4828% | 164 |
| Assets per employee ($millions) | 5.4953% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6005% | 4,191 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 3,058 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 69.6600% | 1,941 |
| Net loans and leases to deposits | 102.4967% | 376 |
| Net loans and leases to core deposits | 108.5685% | 999 |
| Total domestic deposits to total assets | 67.9700% | 4,249 |
| Equity capital to assets | 31.6546% | 155 |
| Core capital (leverage) ratio | 37.8029% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 74.7826% | 78 |
| Memoranda: | ||
| Average total assets | $37,250,400 | 4,327 |
| Average earning assets | $34,592,000 | 4,297 |
| Average equity | $13,975,800 | 3,421 |
| Average total loans | $31,570,600 | 4,076 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3997% | 3,959 |
| Cost of funding earning assets | 1.1714% | 3,854 |
| Net interest margin | 3.2283% | 2,622 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 3.3808% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | -0.2211% | 4,332 |
| Return on assets (ROA) | -0.2211% | 4,351 |
| Pretax return on assets | -0.2849% | 4,355 |
| Return on Equity (ROE) | -0.5600% | 4,265 |
| Retained earnings to average equity (ytd only) | -0.5623% | 4,083 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 109.2010% | 183 |
| Assets per employee ($millions) | 4.3860% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5970% | 4,235 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 87.7900% | 77 |
| Net loans and leases to deposits | 146.4695% | 22 |
| Net loans and leases to core deposits | 158.9802% | 133 |
| Total domestic deposits to total assets | 59.9400% | 4,364 |
| Equity capital to assets | 39.7771% | 136 |
| Core capital (leverage) ratio | 38.9806% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 73.5681% | 78 |
| Memoranda: | ||
| Average total assets | $35,572,500 | 4,361 |
| Average earning assets | $33,123,000 | 4,334 |
| Average equity | $13,990,750 | 3,419 |
| Average total loans | $31,760,750 | 4,086 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3533% | 3,964 |
| Cost of funding earning assets | 1.1093% | 3,908 |
| Net interest margin | 3.2440% | 2,546 |
| Noninterest income to average assets | 0.0900% | 4,266 |
| Noninterest expense to average assets | 3.2910% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.1343% | 4,323 |
| Return on assets (ROA) | -0.1343% | 4,344 |
| Pretax return on assets | -0.1735% | 4,343 |
| Return on Equity (ROE) | -0.3400% | 4,279 |
| Retained earnings to average equity (ytd only) | -0.3428% | 3,967 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 105.5655% | 214 |
| Assets per employee ($millions) | 4.4391% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6304% | 4,202 |
| Loan loss allowance to noncurrent loans | 588.2353% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 2,990 |
| Noncurrent loans to loans | 0.1072% | 3,119 |
| Net loans and leases to total assets | 88.7700% | 55 |
| Net loans and leases to deposits | 153.8432% | 22 |
| Net loans and leases to core deposits | 167.2183% | 111 |
| Total domestic deposits to total assets | 57.7000% | 4,380 |
| Equity capital to assets | 39.3997% | 141 |
| Core capital (leverage) ratio | 38.9175% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 73.6252% | 76 |
| Memoranda: | ||
| Average total assets | $35,734,000 | 4,381 |
| Average earning assets | $33,353,667 | 4,354 |
| Average equity | $14,002,000 | 3,398 |
| Average total loans | $32,018,000 | 4,096 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 3,968 |
| Cost of funding earning assets | 1.0498% | 3,938 |
| Net interest margin | 3.2448% | 2,464 |
| Noninterest income to average assets | 0.1000% | 4,220 |
| Noninterest expense to average assets | 3.3813% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.2009% | 4,381 |
| Return on assets (ROA) | -0.2009% | 4,367 |
| Pretax return on assets | -0.2455% | 4,363 |
| Return on Equity (ROE) | -0.5100% | 4,286 |
| Retained earnings to average equity (ytd only) | -0.5140% | 3,796 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 107.8292% | 208 |
| Assets per employee ($millions) | 5.1314% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6220% | 4,209 |
| Loan loss allowance to noncurrent loans | 588.2353% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 2,999 |
| Noncurrent loans to loans | 0.1057% | 3,083 |
| Net loans and leases to total assets | 88.9500% | 53 |
| Net loans and leases to deposits | 149.4621% | 17 |
| Net loans and leases to core deposits | 161.7331% | 156 |
| Total domestic deposits to total assets | 59.5200% | 4,423 |
| Equity capital to assets | 38.9699% | 140 |
| Core capital (leverage) ratio | 39.1191% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 72.5535% | 78 |
| Memoranda: | ||
| Average total assets | $35,844,500 | 4,409 |
| Average earning assets | $33,531,000 | 4,379 |
| Average equity | $14,007,000 | 3,402 |
| Average total loans | $32,165,000 | 4,112 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1930% | 3,637 |
| Cost of funding earning assets | 0.4506% | 4,247 |
| Net interest margin | 3.7425% | 1,667 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 3.3324% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2466% | 4,104 |
| Return on assets (ROA) | 0.2466% | 4,111 |
| Pretax return on assets | 0.2890% | 4,099 |
| Return on Equity (ROE) | 0.6700% | 4,290 |
| Retained earnings to average equity (ytd only) | 0.6655% | 3,913 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.0205% | 362 |
| Assets per employee ($millions) | 5.1099% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6215% | 4,217 |
| Loan loss allowance to noncurrent loans | 588.2353% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 2,885 |
| Noncurrent loans to loans | 0.1057% | 3,012 |
| Net loans and leases to total assets | 89.4000% | 47 |
| Net loans and leases to deposits | 151.0034% | 14 |
| Net loans and leases to core deposits | 163.2864% | 139 |
| Total domestic deposits to total assets | 59.2000% | 4,446 |
| Equity capital to assets | 39.1624% | 139 |
| Core capital (leverage) ratio | 38.3981% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 74.0347% | 75 |
| Memoranda: | ||
| Average total assets | $37,720,400 | 4,414 |
| Average earning assets | $35,511,200 | 4,379 |
| Average equity | $13,974,000 | 3,346 |
| Average total loans | $32,774,000 | 4,100 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1534% | 3,553 |
| Cost of funding earning assets | 0.3186% | 4,341 |
| Net interest margin | 3.8348% | 1,529 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 3.3395% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2792% | 4,140 |
| Return on assets (ROA) | 0.2792% | 4,144 |
| Pretax return on assets | 0.3559% | 4,109 |
| Return on Equity (ROE) | 0.7600% | 4,338 |
| Retained earnings to average equity (ytd only) | 0.7638% | 3,993 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 90.3683% | 361 |
| Assets per employee ($millions) | 5.4269% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6223% | 4,238 |
| Loan loss allowance to noncurrent loans | 588.2353% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 2,987 |
| Noncurrent loans to loans | 0.1058% | 3,043 |
| Net loans and leases to total assets | 84.0700% | 273 |
| Net loans and leases to deposits | 136.8338% | 27 |
| Net loans and leases to core deposits | 146.7491% | 163 |
| Total domestic deposits to total assets | 61.4400% | 4,451 |
| Equity capital to assets | 36.8406% | 147 |
| Core capital (leverage) ratio | 37.6615% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 73.2683% | 75 |
| Memoranda: | ||
| Average total assets | $38,208,250 | 4,427 |
| Average earning assets | $35,985,500 | 4,393 |
| Average equity | $13,965,500 | 3,339 |
| Average total loans | $32,923,000 | 4,114 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 3,393 |
| Cost of funding earning assets | 0.1884% | 4,442 |
| Net interest margin | 3.9629% | 1,309 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 3.3948% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3395% | 4,102 |
| Return on assets (ROA) | 0.3395% | 4,125 |
| Pretax return on assets | 0.4283% | 4,075 |
| Return on Equity (ROE) | 0.9300% | 4,379 |
| Retained earnings to average equity (ytd only) | 0.9307% | 3,927 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.7978% | 392 |
| Assets per employee ($millions) | 6.1943% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6201% | 4,278 |
| Loan loss allowance to noncurrent loans | 588.2353% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 2,900 |
| Noncurrent loans to loans | 0.1054% | 2,960 |
| Net loans and leases to total assets | 86.2400% | 143 |
| Net loans and leases to deposits | 138.7172% | 32 |
| Net loans and leases to core deposits | 149.4126% | 148 |
| Total domestic deposits to total assets | 62.1700% | 4,469 |
| Equity capital to assets | 37.7092% | 140 |
| Core capital (leverage) ratio | 36.7655% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 72.5403% | 71 |
| Memoranda: | ||
| Average total assets | $38,293,333 | 4,448 |
| Average earning assets | $36,085,000 | 4,418 |
| Average equity | $13,967,333 | 3,361 |
| Average total loans | $33,185,000 | 4,123 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 3,373 |
| Cost of funding earning assets | 0.1529% | 4,452 |
| Net interest margin | 3.8884% | 1,498 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 3.4676% | 566 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2264% | 4,329 |
| Return on assets (ROA) | 0.2264% | 4,292 |
| Pretax return on assets | 0.2881% | 4,272 |
| Return on Equity (ROE) | 0.6300% | 4,404 |
| Retained earnings to average equity (ytd only) | 0.6303% | 3,921 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 92.3288% | 296 |
| Assets per employee ($millions) | 5.5104% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5952% | 4,367 |
| Loan loss allowance to noncurrent loans | 588.2353% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 2,930 |
| Noncurrent loans to loans | 0.1012% | 3,030 |
| Net loans and leases to total assets | 86.6000% | 117 |
| Net loans and leases to deposits | 136.2872% | 29 |
| Net loans and leases to core deposits | 145.5829% | 146 |
| Total domestic deposits to total assets | 63.5400% | 4,520 |
| Equity capital to assets | 36.2222% | 103 |
| Core capital (leverage) ratio | 36.0540% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 70.7397% | 72 |
| Memoranda: | ||
| Average total assets | $38,874,500 | 4,511 |
| Average earning assets | $36,621,500 | 4,482 |
| Average equity | $13,961,000 | 3,390 |
| Average total loans | $33,651,500 | 4,176 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4684% | 3,155 |
| Cost of funding earning assets | 0.1312% | 4,226 |
| Net interest margin | 3.3372% | 2,463 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 3.1524% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3405% | 4,327 |
| Return on assets (ROA) | 0.3405% | 4,292 |
| Pretax return on assets | 0.4372% | 4,239 |
| Return on Equity (ROE) | 1.0600% | 4,481 |
| Retained earnings to average equity (ytd only) | 1.0649% | 4,184 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.8205% | 363 |
| Assets per employee ($millions) | 5.6016% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5935% | 4,347 |
| Loan loss allowance to noncurrent loans | 588.2353% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 2,942 |
| Noncurrent loans to loans | 0.1009% | 3,043 |
| Net loans and leases to total assets | 85.4300% | 189 |
| Net loans and leases to deposits | 133.7819% | 37 |
| Net loans and leases to core deposits | 142.6218% | 127 |
| Total domestic deposits to total assets | 63.8600% | 4,546 |
| Equity capital to assets | 35.6584% | 106 |
| Core capital (leverage) ratio | 33.8416% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.7213% | 74 |
| Memoranda: | ||
| Average total assets | $43,459,600 | 4,497 |
| Average earning assets | $41,172,000 | 4,468 |
| Average equity | $13,897,800 | 3,479 |
| Average total loans | $32,883,400 | 4,194 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2519% | 3,305 |
| Cost of funding earning assets | 0.1263% | 4,062 |
| Net interest margin | 3.1256% | 2,848 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.7551% | 1,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2605% | 4,424 |
| Return on assets (ROA) | 0.2605% | 4,388 |
| Pretax return on assets | 0.3324% | 4,349 |
| Return on Equity (ROE) | 0.8400% | 4,507 |
| Retained earnings to average equity (ytd only) | 0.8359% | 4,243 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.2338% | 345 |
| Assets per employee ($millions) | 6.2399% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5914% | 4,390 |
| Loan loss allowance to noncurrent loans | 588.2353% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 3,124 |
| Noncurrent loans to loans | 0.1005% | 3,158 |
| Net loans and leases to total assets | 76.9700% | 803 |
| Net loans and leases to deposits | 113.7002% | 85 |
| Net loans and leases to core deposits | 123.1863% | 203 |
| Total domestic deposits to total assets | 67.7000% | 4,566 |
| Equity capital to assets | 31.8712% | 111 |
| Core capital (leverage) ratio | 31.9553% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.7407% | 76 |
| Memoranda: | ||
| Average total assets | $44,521,750 | 4,526 |
| Average earning assets | $42,230,750 | 4,492 |
| Average equity | $13,876,750 | 3,528 |
| Average total loans | $32,679,500 | 4,219 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0469% | 3,438 |
| Cost of funding earning assets | 0.1268% | 3,883 |
| Net interest margin | 2.9201% | 3,114 |
| Noninterest income to average assets | 0.1428% | 4,305 |
| Noninterest expense to average assets | 2.6159% | 1,591 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2411% | 4,373 |
| Return on assets (ROA) | 0.2411% | 4,336 |
| Pretax return on assets | 0.3036% | 4,292 |
| Return on Equity (ROE) | 0.7791% | 4,487 |
| Retained earnings to average equity (ytd only) | 0.7791% | 4,038 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6024% | 427 |
| Assets per employee ($millions) | 6.3926% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6062% | 4,455 |
| Loan loss allowance to noncurrent loans | 588.2353% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 3,215 |
| Noncurrent loans to loans | 0.1030% | 3,236 |
| Net loans and leases to total assets | 73.2882% | 975 |
| Net loans and leases to deposits | 106.9251% | 119 |
| Net loans and leases to core deposits | 115.4957% | 255 |
| Total domestic deposits to total assets | 68.5416% | 4,633 |
| Equity capital to assets | 31.0360% | 63 |
| Core capital (leverage) ratio | 31.2934% | 68 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.9365% | 41 |
| Memoranda: | ||
| Average total assets | $44,802,667 | 4,571 |
| Average earning assets | $42,601,333 | 4,544 |
| Average equity | $13,862,000 | 3,599 |
| Average total loans | $32,299,333 | 4,277 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9571% | 3,380 |
| Cost of funding earning assets | 0.1220% | 3,874 |
| Net interest margin | 2.8350% | 3,025 |
| Noninterest income to average assets | 0.1785% | 4,101 |
| Noninterest expense to average assets | 2.5340% | 1,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2677% | 4,203 |
| Return on assets (ROA) | 0.2677% | 4,172 |
| Pretax return on assets | 0.3391% | 4,130 |
| Return on Equity (ROE) | 0.8665% | 4,445 |
| Retained earnings to average equity (ytd only) | 0.8665% | 3,853 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1988% | 625 |
| Assets per employee ($millions) | 8.8730% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6333% | 4,482 |
| Loan loss allowance to noncurrent loans | 588.2353% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 3,304 |
| Noncurrent loans to loans | 0.1077% | 3,302 |
| Net loans and leases to total assets | 70.7359% | 951 |
| Net loans and leases to deposits | 103.6531% | 120 |
| Net loans and leases to core deposits | 112.0746% | 219 |
| Total domestic deposits to total assets | 68.2430% | 4,673 |
| Equity capital to assets | 31.2499% | 59 |
| Core capital (leverage) ratio | 30.8975% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 72.7498% | 40 |
| Memoranda: | ||
| Average total assets | $44,830,000 | 4,591 |
| Average earning assets | $42,610,000 | 4,570 |
| Average equity | $13,849,000 | 3,673 |
| Average total loans | $31,951,500 | 4,295 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1852% | 3,502 |
| Cost of funding earning assets | 0.1417% | 4,048 |
| Net interest margin | 3.0435% | 3,066 |
| Noninterest income to average assets | 0.0442% | 4,736 |
| Noninterest expense to average assets | 2.5357% | 2,072 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3203% | 4,401 |
| Return on assets (ROA) | 0.3203% | 4,422 |
| Pretax return on assets | 0.4020% | 4,389 |
| Return on Equity (ROE) | 1.0533% | 4,606 |
| Retained earnings to average equity (ytd only) | 1.0533% | 4,245 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3158% | 458 |
| Assets per employee ($millions) | 7.5492% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6188% | 4,533 |
| Loan loss allowance to noncurrent loans | 170.9402% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 2,270 |
| Noncurrent loans to loans | 0.3620% | 2,287 |
| Net loans and leases to total assets | 70.9151% | 930 |
| Net loans and leases to deposits | 102.9486% | 144 |
| Net loans and leases to core deposits | 111.0147% | 270 |
| Total domestic deposits to total assets | 68.8840% | 4,702 |
| Equity capital to assets | 30.5420% | 59 |
| Core capital (leverage) ratio | 30.1467% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.4053% | 44 |
| Memoranda: | ||
| Average total assets | $45,273,000 | 4,608 |
| Average earning assets | $43,042,600 | 4,581 |
| Average equity | $13,766,600 | 3,764 |
| Average total loans | $34,827,000 | 4,290 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2349% | 3,539 |
| Cost of funding earning assets | 0.1456% | 4,151 |
| Net interest margin | 3.0893% | 3,083 |
| Noninterest income to average assets | 0.0442% | 4,812 |
| Noninterest expense to average assets | 2.5448% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3417% | 4,451 |
| Return on assets (ROA) | 0.3417% | 4,484 |
| Pretax return on assets | 0.4359% | 4,445 |
| Return on Equity (ROE) | 1.1248% | 4,684 |
| Retained earnings to average equity (ytd only) | 1.1248% | 4,389 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3755% | 456 |
| Assets per employee ($millions) | 9.0910% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6119% | 4,622 |
| Loan loss allowance to noncurrent loans | 152.6718% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 2,330 |
| Noncurrent loans to loans | 0.4008% | 2,357 |
| Net loans and leases to total assets | 71.4685% | 926 |
| Net loans and leases to deposits | 103.1564% | 168 |
| Net loans and leases to core deposits | 111.1545% | 303 |
| Total domestic deposits to total assets | 69.2817% | 4,752 |
| Equity capital to assets | 30.3707% | 65 |
| Core capital (leverage) ratio | 30.5813% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 70.2075% | 47 |
| Memoranda: | ||
| Average total assets | $45,267,500 | 4,676 |
| Average earning assets | $43,029,000 | 4,643 |
| Average equity | $13,749,750 | 3,809 |
| Average total loans | $35,453,500 | 4,336 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2986% | 3,429 |
| Cost of funding earning assets | 0.1535% | 4,178 |
| Net interest margin | 3.1450% | 2,908 |
| Noninterest income to average assets | 0.0575% | 4,819 |
| Noninterest expense to average assets | 2.5794% | 1,912 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3672% | 4,443 |
| Return on assets (ROA) | 0.3672% | 4,480 |
| Pretax return on assets | 0.4690% | 4,430 |
| Return on Equity (ROE) | 1.2089% | 4,679 |
| Retained earnings to average equity (ytd only) | 1.2089% | 4,298 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 525 |
| Assets per employee ($millions) | 6.4760% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5925% | 4,667 |
| Loan loss allowance to noncurrent loans | 169.4915% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 2,627 |
| Noncurrent loans to loans | 0.3496% | 2,653 |
| Net loans and leases to total assets | 74.0250% | 752 |
| Net loans and leases to deposits | 106.7301% | 151 |
| Net loans and leases to core deposits | 115.0118% | 277 |
| Total domestic deposits to total assets | 69.3572% | 4,770 |
| Equity capital to assets | 30.3803% | 63 |
| Core capital (leverage) ratio | 30.2084% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.0635% | 47 |
| Memoranda: | ||
| Average total assets | $45,205,000 | 4,702 |
| Average earning assets | $42,988,333 | 4,672 |
| Average equity | $13,731,333 | 3,821 |
| Average total loans | $36,376,000 | 4,349 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3816% | 3,256 |
| Cost of funding earning assets | 0.1770% | 4,104 |
| Net interest margin | 3.2046% | 2,683 |
| Noninterest income to average assets | 0.0620% | 4,818 |
| Noninterest expense to average assets | 2.6140% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3899% | 4,375 |
| Return on assets (ROA) | 0.3899% | 4,403 |
| Pretax return on assets | 0.4962% | 4,356 |
| Return on Equity (ROE) | 1.2836% | 4,684 |
| Retained earnings to average equity (ytd only) | 1.2836% | 4,161 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0456% | 594 |
| Assets per employee ($millions) | 6.5541% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5397% | 4,745 |
| Loan loss allowance to noncurrent loans | 119.7605% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 2,343 |
| Noncurrent loans to loans | 0.4506% | 2,505 |
| Net loans and leases to total assets | 80.3418% | 321 |
| Net loans and leases to deposits | 118.7959% | 76 |
| Net loans and leases to core deposits | 128.1463% | 164 |
| Total domestic deposits to total assets | 67.6301% | 4,813 |
| Equity capital to assets | 29.9331% | 65 |
| Core capital (leverage) ratio | 30.2963% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.0541% | 53 |
| Memoranda: | ||
| Average total assets | $45,141,500 | 4,724 |
| Average earning assets | $42,938,000 | 4,688 |
| Average equity | $13,711,000 | 3,821 |
| Average total loans | $37,685,500 | 4,345 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8105% | 3,270 |
| Cost of funding earning assets | 0.5363% | 2,708 |
| Net interest margin | 3.2741% | 3,147 |
| Noninterest income to average assets | 0.0684% | 4,831 |
| Noninterest expense to average assets | 2.5436% | 2,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5066% | 4,014 |
| Return on assets (ROA) | 0.5066% | 4,097 |
| Pretax return on assets | 0.6434% | 3,989 |
| Return on Equity (ROE) | 1.7466% | 4,589 |
| Retained earnings to average equity (ytd only) | 1.7466% | 3,924 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8122% | 908 |
| Assets per employee ($millions) | 6.3434% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5220% | 4,777 |
| Loan loss allowance to noncurrent loans | 384.6154% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 3,706 |
| Noncurrent loans to loans | 0.1357% | 3,739 |
| Net loans and leases to total assets | 85.8279% | 103 |
| Net loans and leases to deposits | 129.0542% | 44 |
| Net loans and leases to core deposits | 139.7031% | 121 |
| Total domestic deposits to total assets | 66.5053% | 4,839 |
| Equity capital to assets | 30.8283% | 62 |
| Core capital (leverage) ratio | 29.6536% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.2246% | 52 |
| Memoranda: | ||
| Average total assets | $46,785,000 | 4,692 |
| Average earning assets | $44,561,400 | 4,666 |
| Average equity | $13,569,200 | 3,805 |
| Average total loans | $41,503,600 | 4,280 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 3,366 |
| Cost of funding earning assets | 0.6027% | 2,595 |
| Net interest margin | 3.2646% | 3,300 |
| Noninterest income to average assets | 0.0675% | 4,855 |
| Noninterest expense to average assets | 2.5439% | 2,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4981% | 4,042 |
| Return on assets (ROA) | 0.4981% | 4,124 |
| Pretax return on assets | 0.6332% | 4,042 |
| Return on Equity (ROE) | 1.7430% | 4,591 |
| Retained earnings to average equity (ytd only) | 1.7430% | 4,014 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0709% | 866 |
| Assets per employee ($millions) | 6.5163% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5072% | 4,806 |
| Loan loss allowance to noncurrent loans | 370.3704% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 3,837 |
| Noncurrent loans to loans | 0.1369% | 3,832 |
| Net loans and leases to total assets | 86.0109% | 154 |
| Net loans and leases to deposits | 127.6077% | 67 |
| Net loans and leases to core deposits | 137.6693% | 179 |
| Total domestic deposits to total assets | 67.4026% | 4,825 |
| Equity capital to assets | 29.8790% | 61 |
| Core capital (leverage) ratio | 30.1854% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.8184% | 65 |
| Memoranda: | ||
| Average total assets | $47,380,250 | 4,707 |
| Average earning assets | $45,129,750 | 4,684 |
| Average equity | $13,539,250 | 3,818 |
| Average total loans | $42,301,750 | 4,295 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 3,509 |
| Cost of funding earning assets | 0.6954% | 2,414 |
| Net interest margin | 3.2408% | 3,553 |
| Noninterest income to average assets | 0.0709% | 4,864 |
| Noninterest expense to average assets | 2.5558% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4753% | 4,073 |
| Return on assets (ROA) | 0.4753% | 4,139 |
| Pretax return on assets | 0.6046% | 4,053 |
| Return on Equity (ROE) | 1.6877% | 4,589 |
| Retained earnings to average equity (ytd only) | 1.6877% | 3,877 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8707% | 827 |
| Assets per employee ($millions) | 5.6255% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4848% | 4,848 |
| Loan loss allowance to noncurrent loans | 363.6364% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 3,919 |
| Noncurrent loans to loans | 0.1333% | 3,920 |
| Net loans and leases to total assets | 91.2230% | 18 |
| Net loans and leases to deposits | 147.8411% | 25 |
| Net loans and leases to core deposits | 159.2537% | 82 |
| Total domestic deposits to total assets | 61.7034% | 4,948 |
| Equity capital to assets | 30.1440% | 62 |
| Core capital (leverage) ratio | 28.9661% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.4164% | 65 |
| Memoranda: | ||
| Average total assets | $47,969,000 | 4,719 |
| Average earning assets | $45,729,667 | 4,689 |
| Average equity | $13,509,333 | 3,822 |
| Average total loans | $43,258,000 | 4,284 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 3,867 |
| Cost of funding earning assets | 0.8048% | 2,365 |
| Net interest margin | 3.1682% | 3,937 |
| Noninterest income to average assets | 0.0728% | 4,914 |
| Noninterest expense to average assets | 2.5075% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4611% | 3,993 |
| Return on assets (ROA) | 0.4611% | 4,047 |
| Pretax return on assets | 0.5905% | 3,934 |
| Return on Equity (ROE) | 1.6913% | 4,513 |
| Retained earnings to average equity (ytd only) | 1.6913% | 3,552 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9399% | 1,049 |
| Assets per employee ($millions) | 6.2313% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4574% | 4,914 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 3,496 |
| Noncurrent loans to loans | 0.2745% | 3,512 |
| Net loans and leases to total assets | 87.3059% | 83 |
| Net loans and leases to deposits | 147.7476% | 10 |
| Net loans and leases to core deposits | 158.4174% | 84 |
| Total domestic deposits to total assets | 59.0913% | 5,029 |
| Equity capital to assets | 27.1013% | 90 |
| Core capital (leverage) ratio | 28.0186% | 80 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.3103% | 83 |
| Memoranda: | ||
| Average total assets | $49,451,500 | 4,719 |
| Average earning assets | $47,218,500 | 4,690 |
| Average equity | $13,481,000 | 3,835 |
| Average total loans | $44,260,000 | 4,274 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2052% | 3,804 |
| Cost of funding earning assets | 1.1505% | 1,157 |
| Net interest margin | 3.0547% | 4,443 |
| Noninterest income to average assets | 0.0582% | 5,017 |
| Noninterest expense to average assets | 2.4421% | 3,589 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4214% | 4,558 |
| Return on assets (ROA) | 0.4214% | 4,587 |
| Pretax return on assets | 0.5358% | 4,514 |
| Return on Equity (ROE) | 1.5738% | 4,850 |
| Retained earnings to average equity (ytd only) | 1.5738% | 4,175 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0081% | 799 |
| Assets per employee ($millions) | 6.1316% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4464% | 4,950 |
| Loan loss allowance to noncurrent loans | 165.2893% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 3,455 |
| Noncurrent loans to loans | 0.2701% | 3,482 |
| Net loans and leases to total assets | 90.9180% | 33 |
| Net loans and leases to deposits | 135.5027% | 31 |
| Net loans and leases to core deposits | 144.1621% | 153 |
| Total domestic deposits to total assets | 67.0968% | 5,008 |
| Equity capital to assets | 27.4234% | 94 |
| Core capital (leverage) ratio | 27.1944% | 98 |
| Tier 1 risk-based capital ratio | 50.4614% | 131 |
| Total risk-based capital ratio | 51.2116% | 134 |
| Memoranda: | ||
| Average total assets | $49,834,400 | 4,753 |
| Average earning assets | $47,631,000 | 4,718 |
| Average equity | $13,343,200 | 3,852 |
| Average total loans | $45,118,800 | 4,278 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 3,905 |
| Cost of funding earning assets | 1.2072% | 1,021 |
| Net interest margin | 2.9997% | 4,624 |
| Noninterest income to average assets | 0.0560% | 5,103 |
| Noninterest expense to average assets | 2.4118% | 3,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4024% | 4,719 |
| Return on assets (ROA) | 0.4024% | 4,745 |
| Pretax return on assets | 0.5117% | 4,686 |
| Return on Equity (ROE) | 1.5119% | 4,967 |
| Retained earnings to average equity (ytd only) | 1.5119% | 4,432 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4977% | 726 |
| Assets per employee ($millions) | 6.2513% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4396% | 5,029 |
| Loan loss allowance to noncurrent loans | 116.2791% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3439% | 3,144 |
| Noncurrent loans to loans | 0.3781% | 3,200 |
| Net loans and leases to total assets | 90.5739% | 34 |
| Net loans and leases to deposits | 129.6097% | 42 |
| Net loans and leases to core deposits | 136.3229% | 224 |
| Total domestic deposits to total assets | 69.8820% | 5,000 |
| Equity capital to assets | 26.7806% | 103 |
| Core capital (leverage) ratio | 27.0823% | 99 |
| Tier 1 risk-based capital ratio | 48.8635% | 142 |
| Total risk-based capital ratio | 49.5932% | 146 |
| Memoranda: | ||
| Average total assets | $50,029,750 | 4,814 |
| Average earning assets | $47,825,000 | 4,779 |
| Average equity | $13,316,000 | 3,885 |
| Average total loans | $45,199,000 | 4,332 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2100% | 3,904 |
| Cost of funding earning assets | 1.2291% | 921 |
| Net interest margin | 2.9808% | 4,720 |
| Noninterest income to average assets | 0.0560% | 5,149 |
| Noninterest expense to average assets | 2.4222% | 3,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3797% | 4,763 |
| Return on assets (ROA) | 0.3797% | 4,784 |
| Pretax return on assets | 0.4836% | 4,718 |
| Return on Equity (ROE) | 1.4296% | 5,010 |
| Retained earnings to average equity (ytd only) | 1.4296% | 4,313 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3563% | 704 |
| Assets per employee ($millions) | 6.1833% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4350% | 5,078 |
| Loan loss allowance to noncurrent loans | 206.1856% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 3,793 |
| Noncurrent loans to loans | 0.2110% | 3,786 |
| Net loans and leases to total assets | 92.5424% | 17 |
| Net loans and leases to deposits | 130.6720% | 43 |
| Net loans and leases to core deposits | 137.4024% | 221 |
| Total domestic deposits to total assets | 70.8204% | 5,019 |
| Equity capital to assets | 26.9620% | 100 |
| Core capital (leverage) ratio | 26.5281% | 100 |
| Tier 1 risk-based capital ratio | 47.5388% | 152 |
| Total risk-based capital ratio | 48.2516% | 155 |
| Memoranda: | ||
| Average total assets | $50,036,330 | 4,848 |
| Average earning assets | $47,839,000 | 4,811 |
| Average equity | $13,290,330 | 3,887 |
| Average total loans | $45,100,000 | 4,366 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 3,983 |
| Cost of funding earning assets | 1.2137% | 866 |
| Net interest margin | 2.9428% | 4,833 |
| Noninterest income to average assets | 0.0556% | 5,198 |
| Noninterest expense to average assets | 2.3608% | 3,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3974% | 4,737 |
| Return on assets (ROA) | 0.3974% | 4,749 |
| Pretax return on assets | 0.5087% | 4,661 |
| Return on Equity (ROE) | 1.5075% | 5,026 |
| Retained earnings to average equity (ytd only) | 1.5075% | 4,198 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2715% | 848 |
| Assets per employee ($millions) | 6.4401% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4362% | 5,144 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 3,847 |
| Noncurrent loans to loans | 0.2181% | 3,809 |
| Net loans and leases to total assets | 88.6027% | 77 |
| Net loans and leases to deposits | 126.2138% | 55 |
| Net loans and leases to core deposits | 132.4888% | 279 |
| Total domestic deposits to total assets | 70.2005% | 5,103 |
| Equity capital to assets | 25.7992% | 107 |
| Core capital (leverage) ratio | 26.5989% | 96 |
| Tier 1 risk-based capital ratio | 47.3716% | 151 |
| Total risk-based capital ratio | 48.0844% | 153 |
| Memoranda: | ||
| Average total assets | $50,321,500 | 4,892 |
| Average earning assets | $48,117,500 | 4,857 |
| Average equity | $13,267,000 | 3,910 |
| Average total loans | $44,661,500 | 4,418 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 3,702 |
| Cost of funding earning assets | 0.8408% | 1,345 |
| Net interest margin | 3.2729% | 4,329 |
| Noninterest income to average assets | 0.0644% | 5,236 |
| Noninterest expense to average assets | 2.5445% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4999% | 4,659 |
| Return on assets (ROA) | 0.4999% | 4,663 |
| Pretax return on assets | 0.6351% | 4,568 |
| Return on Equity (ROE) | 1.7748% | 5,075 |
| Retained earnings to average equity (ytd only) | 1.7748% | 4,436 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0270% | 959 |
| Assets per employee ($millions) | 6.1403% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4600% | 5,165 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 3,809 |
| Noncurrent loans to loans | 0.2300% | 3,761 |
| Net loans and leases to total assets | 88.0949% | 118 |
| Net loans and leases to deposits | 134.1330% | 36 |
| Net loans and leases to core deposits | 141.6405% | 184 |
| Total domestic deposits to total assets | 65.6773% | 5,248 |
| Equity capital to assets | 26.9574% | 90 |
| Core capital (leverage) ratio | 28.2858% | 78 |
| Tier 1 risk-based capital ratio | 49.9528% | 135 |
| Total risk-based capital ratio | 50.7073% | 135 |
| Memoranda: | ||
| Average total assets | $46,610,400 | 5,003 |
| Average earning assets | $44,364,200 | 4,970 |
| Average equity | $13,128,400 | 3,865 |
| Average total loans | $42,087,400 | 4,496 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 3,440 |
| Cost of funding earning assets | 0.7990% | 1,345 |
| Net interest margin | 3.3577% | 4,144 |
| Noninterest income to average assets | 0.0696% | 5,298 |
| Noninterest expense to average assets | 2.5835% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5335% | 4,690 |
| Return on assets (ROA) | 0.5335% | 4,691 |
| Pretax return on assets | 0.6785% | 4,583 |
| Return on Equity (ROE) | 1.8727% | 5,148 |
| Retained earnings to average equity (ytd only) | 1.8727% | 4,620 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2000% | 1,016 |
| Assets per employee ($millions) | 6.5603% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4746% | 5,218 |
| Loan loss allowance to noncurrent loans | 105.2632% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 3,034 |
| Noncurrent loans to loans | 0.4509% | 3,038 |
| Net loans and leases to total assets | 91.3266% | 40 |
| Net loans and leases to deposits | 132.0123% | 38 |
| Net loans and leases to core deposits | 140.7207% | 205 |
| Total domestic deposits to total assets | 69.1803% | 5,251 |
| Equity capital to assets | 28.7291% | 72 |
| Core capital (leverage) ratio | 28.0005% | 78 |
| Tier 1 risk-based capital ratio | 50.4744% | 129 |
| Total risk-based capital ratio | 51.2396% | 130 |
| Memoranda: | ||
| Average total assets | $45,982,500 | 5,072 |
| Average earning assets | $43,719,500 | 5,032 |
| Average equity | $13,100,000 | 3,901 |
| Average total loans | $41,740,750 | 4,547 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0977% | 3,454 |
| Cost of funding earning assets | 0.7637% | 1,312 |
| Net interest margin | 3.3339% | 4,146 |
| Noninterest income to average assets | 0.0652% | 5,369 |
| Noninterest expense to average assets | 2.5651% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5261% | 4,688 |
| Return on assets (ROA) | 0.5261% | 4,694 |
| Pretax return on assets | 0.6695% | 4,587 |
| Return on Equity (ROE) | 1.8517% | 5,190 |
| Retained earnings to average equity (ytd only) | 1.8517% | 4,500 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3011% | 1,086 |
| Assets per employee ($millions) | 7.0369% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4755% | 5,290 |
| Loan loss allowance to noncurrent loans | 298.5075% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 4,314 |
| Noncurrent loans to loans | 0.1593% | 4,191 |
| Net loans and leases to total assets | 84.9771% | 358 |
| Net loans and leases to deposits | 123.6719% | 76 |
| Net loans and leases to core deposits | 131.3275% | 306 |
| Total domestic deposits to total assets | 68.7117% | 5,320 |
| Equity capital to assets | 26.6556% | 96 |
| Core capital (leverage) ratio | 27.9588% | 82 |
| Tier 1 risk-based capital ratio | 50.9211% | 127 |
| Total risk-based capital ratio | 51.6967% | 127 |
| Memoranda: | ||
| Average total assets | $46,002,670 | 5,123 |
| Average earning assets | $43,732,000 | 5,096 |
| Average equity | $13,069,000 | 3,925 |
| Average total loans | $41,608,000 | 4,595 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 2,851 |
| Cost of funding earning assets | 0.7316% | 1,278 |
| Net interest margin | 3.4776% | 3,613 |
| Noninterest income to average assets | 0.0811% | 5,393 |
| Noninterest expense to average assets | 2.7042% | 3,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5318% | 4,621 |
| Return on assets (ROA) | 0.5318% | 4,625 |
| Pretax return on assets | 0.6761% | 4,503 |
| Return on Equity (ROE) | 1.8100% | 5,206 |
| Retained earnings to average equity (ytd only) | 1.8100% | 4,409 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,138 |
| Assets per employee ($millions) | 6.3316% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4861% | 5,349 |
| Loan loss allowance to noncurrent loans | 294.1176% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 4,315 |
| Noncurrent loans to loans | 0.1653% | 4,236 |
| Net loans and leases to total assets | 92.3851% | 20 |
| Net loans and leases to deposits | 141.3637% | 19 |
| Net loans and leases to core deposits | 151.6856% | 116 |
| Total domestic deposits to total assets | 65.3528% | 5,470 |
| Equity capital to assets | 29.4849% | 68 |
| Core capital (leverage) ratio | 28.5147% | 73 |
| Tier 1 risk-based capital ratio | 52.0949% | 121 |
| Total risk-based capital ratio | 52.8922% | 119 |
| Memoranda: | ||
| Average total assets | $44,375,000 | 5,220 |
| Average earning assets | $42,098,000 | 5,182 |
| Average equity | $13,038,500 | 3,961 |
| Average total loans | $41,383,000 | 4,653 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2211% | 2,609 |
| Cost of funding earning assets | 0.5485% | 1,963 |
| Net interest margin | 3.6726% | 2,906 |
| Noninterest income to average assets | 0.1011% | 5,409 |
| Noninterest expense to average assets | 2.6765% | 3,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6416% | 3,847 |
| Return on assets (ROA) | 0.6416% | 3,882 |
| Pretax return on assets | 0.9119% | 3,876 |
| Return on Equity (ROE) | 2.2711% | 5,000 |
| Retained earnings to average equity (ytd only) | 2.2711% | 3,957 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5867% | 1,812 |
| Assets per employee ($millions) | 6.3470% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4805% | 5,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 93.2274% | 15 |
| Net loans and leases to deposits | 156.2311% | 9 |
| Net loans and leases to core deposits | 168.7994% | 66 |
| Total domestic deposits to total assets | 59.6727% | 5,586 |
| Equity capital to assets | 29.2804% | 65 |
| Core capital (leverage) ratio | 28.7752% | 70 |
| Tier 1 risk-based capital ratio | 51.0297% | 119 |
| Total risk-based capital ratio | 51.8142% | 117 |
| Memoranda: | ||
| Average total assets | $45,508,000 | 5,240 |
| Average earning assets | $43,211,600 | 5,204 |
| Average equity | $12,857,400 | 4,002 |
| Average total loans | $42,235,400 | 4,662 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 2,594 |
| Cost of funding earning assets | 0.5276% | 2,055 |
| Net interest margin | 3.6779% | 2,830 |
| Noninterest income to average assets | 0.0612% | 5,578 |
| Noninterest expense to average assets | 2.6650% | 3,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5825% | 4,453 |
| Return on assets (ROA) | 0.5825% | 4,491 |
| Pretax return on assets | 0.8883% | 4,077 |
| Return on Equity (ROE) | 2.0801% | 5,296 |
| Retained earnings to average equity (ytd only) | 2.0801% | 4,609 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 1,742 |
| Assets per employee ($millions) | 6.5881% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4811% | 5,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 89.7153% | 91 |
| Net loans and leases to deposits | 141.7695% | 16 |
| Net loans and leases to core deposits | 152.0432% | 112 |
| Total domestic deposits to total assets | 63.2825% | 5,624 |
| Equity capital to assets | 28.0092% | 73 |
| Core capital (leverage) ratio | 28.5692% | 68 |
| Tier 1 risk-based capital ratio | 50.6748% | 125 |
| Total risk-based capital ratio | 51.4594% | 126 |
| Memoranda: | ||
| Average total assets | $45,777,750 | 5,290 |
| Average earning assets | $43,466,000 | 5,255 |
| Average equity | $12,819,500 | 4,047 |
| Average total loans | $42,389,250 | 4,704 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 2,322 |
| Cost of funding earning assets | 0.5122% | 2,076 |
| Net interest margin | 3.7287% | 2,552 |
| Noninterest income to average assets | 0.0569% | 5,636 |
| Noninterest expense to average assets | 2.6673% | 3,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6088% | 4,265 |
| Return on assets (ROA) | 0.6088% | 4,308 |
| Pretax return on assets | 0.9285% | 3,836 |
| Return on Equity (ROE) | 2.1741% | 5,315 |
| Retained earnings to average equity (ytd only) | 2.1741% | 4,378 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1778% | 1,977 |
| Assets per employee ($millions) | 6.5383% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4717% | 5,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 92.2107% | 32 |
| Net loans and leases to deposits | 144.2295% | 19 |
| Net loans and leases to core deposits | 154.6464% | 103 |
| Total domestic deposits to total assets | 63.9333% | 5,666 |
| Equity capital to assets | 28.0895% | 67 |
| Core capital (leverage) ratio | 27.4255% | 70 |
| Tier 1 risk-based capital ratio | 49.5643% | 124 |
| Total risk-based capital ratio | 50.3354% | 126 |
| Memoranda: | ||
| Average total assets | $45,664,670 | 5,330 |
| Average earning assets | $43,340,000 | 5,300 |
| Average equity | $12,787,000 | 4,069 |
| Average total loans | $42,661,000 | 4,726 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 2,096 |
| Cost of funding earning assets | 0.4990% | 2,095 |
| Net interest margin | 3.7517% | 2,300 |
| Noninterest income to average assets | 0.0614% | 5,701 |
| Noninterest expense to average assets | 2.6747% | 3,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6226% | 4,050 |
| Return on assets (ROA) | 0.6226% | 4,100 |
| Pretax return on assets | 0.9471% | 3,602 |
| Return on Equity (ROE) | 2.2270% | 5,298 |
| Retained earnings to average equity (ytd only) | 2.2270% | 4,249 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8499% | 2,256 |
| Assets per employee ($millions) | 6.5550% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4646% | 5,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 93.3747% | 10 |
| Net loans and leases to deposits | 145.5877% | 12 |
| Net loans and leases to core deposits | 154.6193% | 93 |
| Total domestic deposits to total assets | 64.1364% | 5,741 |
| Equity capital to assets | 27.8697% | 67 |
| Core capital (leverage) ratio | 27.3862% | 74 |
| Tier 1 risk-based capital ratio | 48.6698% | 138 |
| Total risk-based capital ratio | 49.4310% | 142 |
| Memoranda: | ||
| Average total assets | $45,613,000 | 5,393 |
| Average earning assets | $43,286,500 | 5,364 |
| Average equity | $12,752,500 | 4,096 |
| Average total loans | $42,790,000 | 4,761 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 2,076 |
| Cost of funding earning assets | 0.4081% | 2,927 |
| Net interest margin | 3.9121% | 1,927 |
| Noninterest income to average assets | 0.0831% | 5,687 |
| Noninterest expense to average assets | 2.8298% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6311% | 4,088 |
| Return on assets (ROA) | 0.6311% | 4,195 |
| Pretax return on assets | 0.9567% | 3,630 |
| Return on Equity (ROE) | 2.2355% | 5,346 |
| Retained earnings to average equity (ytd only) | 2.2355% | 4,260 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7331% | 2,174 |
| Assets per employee ($millions) | 6.4773% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4702% | 5,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 93.3702% | 16 |
| Net loans and leases to deposits | 164.8367% | 10 |
| Net loans and leases to core deposits | 176.8749% | 51 |
| Total domestic deposits to total assets | 56.6441% | 5,848 |
| Equity capital to assets | 28.0475% | 70 |
| Core capital (leverage) ratio | 27.6150% | 72 |
| Tier 1 risk-based capital ratio | 48.5827% | 144 |
| Total risk-based capital ratio | 49.3467% | 146 |
| Memoranda: | ||
| Average total assets | $44,526,200 | 5,452 |
| Average earning assets | $42,151,200 | 5,416 |
| Average equity | $12,570,000 | 4,158 |
| Average total loans | $41,601,000 | 4,829 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 2,037 |
| Cost of funding earning assets | 0.4006% | 3,018 |
| Net interest margin | 3.9395% | 1,855 |
| Noninterest income to average assets | 0.0902% | 5,741 |
| Noninterest expense to average assets | 2.8969% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6046% | 4,275 |
| Return on assets (ROA) | 0.6046% | 4,389 |
| Pretax return on assets | 0.9205% | 3,910 |
| Return on Equity (ROE) | 2.1382% | 5,447 |
| Retained earnings to average equity (ytd only) | 2.1382% | 4,622 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8865% | 1,992 |
| Assets per employee ($millions) | 6.5093% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4676% | 5,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 93.4336% | 16 |
| Net loans and leases to deposits | 155.2739% | 9 |
| Net loans and leases to core deposits | 165.8408% | 71 |
| Total domestic deposits to total assets | 60.1734% | 5,889 |
| Equity capital to assets | 27.7340% | 69 |
| Core capital (leverage) ratio | 27.9908% | 68 |
| Tier 1 risk-based capital ratio | 48.0239% | 152 |
| Total risk-based capital ratio | 48.7839% | 153 |
| Memoranda: | ||
| Average total assets | $44,322,500 | 5,510 |
| Average earning assets | $41,933,750 | 5,480 |
| Average equity | $12,533,250 | 4,204 |
| Average total loans | $41,367,500 | 4,878 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 1,762 |
| Cost of funding earning assets | 0.4000% | 3,046 |
| Net interest margin | 4.0237% | 1,569 |
| Noninterest income to average assets | 0.1048% | 5,758 |
| Noninterest expense to average assets | 3.0473% | 2,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5648% | 4,420 |
| Return on assets (ROA) | 0.5648% | 4,542 |
| Pretax return on assets | 0.8609% | 4,079 |
| Return on Equity (ROE) | 1.9842% | 5,509 |
| Retained earnings to average equity (ytd only) | 1.9842% | 4,573 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9720% | 1,799 |
| Assets per employee ($millions) | 6.4004% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4822% | 5,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 92.1211% | 23 |
| Net loans and leases to deposits | 151.9624% | 10 |
| Net loans and leases to core deposits | 164.0161% | 78 |
| Total domestic deposits to total assets | 60.6209% | 5,968 |
| Equity capital to assets | 28.0338% | 67 |
| Core capital (leverage) ratio | 28.1943% | 66 |
| Tier 1 risk-based capital ratio | 48.6614% | 140 |
| Total risk-based capital ratio | 49.4363% | 147 |
| Memoranda: | ||
| Average total assets | $43,908,330 | 5,585 |
| Average earning assets | $41,504,330 | 5,550 |
| Average equity | $12,498,670 | 4,231 |
| Average total loans | $40,899,000 | 4,939 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 1,423 |
| Cost of funding earning assets | 0.3995% | 3,070 |
| Net interest margin | 4.1317% | 1,255 |
| Noninterest income to average assets | 0.1289% | 5,701 |
| Noninterest expense to average assets | 3.1292% | 2,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5890% | 4,230 |
| Return on assets (ROA) | 0.5890% | 4,348 |
| Pretax return on assets | 0.9020% | 3,839 |
| Return on Equity (ROE) | 2.0533% | 5,488 |
| Retained earnings to average equity (ytd only) | 2.0533% | 4,433 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6256% | 1,955 |
| Assets per employee ($millions) | 5.5414% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4825% | 5,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 93.0523% | 18 |
| Net loans and leases to deposits | 154.1632% | 9 |
| Net loans and leases to core deposits | 165.0172% | 67 |
| Total domestic deposits to total assets | 60.3596% | 6,032 |
| Equity capital to assets | 28.1970% | 65 |
| Core capital (leverage) ratio | 28.5499% | 66 |
| Tier 1 risk-based capital ratio | 48.9045% | 139 |
| Total risk-based capital ratio | 49.6870% | 141 |
| Memoranda: | ||
| Average total assets | $43,461,000 | 5,646 |
| Average earning assets | $41,048,000 | 5,613 |
| Average equity | $12,468,000 | 4,249 |
| Average total loans | $40,612,000 | 4,991 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,115 |
| Cost of funding earning assets | 0.2884% | 4,383 |
| Net interest margin | 4.0431% | 1,581 |
| Noninterest income to average assets | 0.2103% | 5,337 |
| Noninterest expense to average assets | 3.1323% | 2,141 |
| Loan and lease loss provision to assets | 0.0376% | 3,595 |
| Net operating income to assets | 0.5834% | 4,363 |
| Return on assets (ROA) | 0.5834% | 4,456 |
| Pretax return on assets | 0.8663% | 3,968 |
| Return on Equity (ROE) | 1.8909% | 5,593 |
| Retained earnings to average equity (ytd only) | 1.8909% | 4,650 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6055% | 2,030 |
| Assets per employee ($millions) | 5.3239% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5029% | 5,918 |
| Loan loss allowance to noncurrent loans | 162.6016% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 4,433 |
| Noncurrent loans to loans | 0.3093% | 4,350 |
| Net loans and leases to total assets | 92.9140% | 17 |
| Net loans and leases to deposits | 157.7745% | 8 |
| Net loans and leases to core deposits | 169.6737% | 62 |
| Total domestic deposits to total assets | 58.8904% | 6,100 |
| Equity capital to assets | 29.1987% | 64 |
| Core capital (leverage) ratio | 30.4961% | 58 |
| Tier 1 risk-based capital ratio | 51.1538% | 120 |
| Total risk-based capital ratio | 51.9765% | 120 |
| Memoranda: | ||
| Average total assets | $39,938,200 | 5,769 |
| Average earning assets | $37,792,600 | 5,735 |
| Average equity | $12,322,400 | 4,240 |
| Average total loans | $37,282,400 | 5,106 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 1,985 |
| Cost of funding earning assets | 0.2867% | 4,484 |
| Net interest margin | 4.0928% | 1,422 |
| Noninterest income to average assets | 0.2342% | 5,254 |
| Noninterest expense to average assets | 3.1334% | 2,131 |
| Loan and lease loss provision to assets | 0.0509% | 3,188 |
| Net operating income to assets | 0.6077% | 4,348 |
| Return on assets (ROA) | 0.6077% | 4,446 |
| Pretax return on assets | 0.9268% | 3,893 |
| Return on Equity (ROE) | 1.9413% | 5,677 |
| Retained earnings to average equity (ytd only) | 1.9413% | 4,912 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2180% | 2,210 |
| Assets per employee ($millions) | 5.0040% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5416% | 5,979 |
| Loan loss allowance to noncurrent loans | 162.6016% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 4,540 |
| Noncurrent loans to loans | 0.3331% | 4,417 |
| Net loans and leases to total assets | 91.7466% | 31 |
| Net loans and leases to deposits | 154.6768% | 11 |
| Net loans and leases to core deposits | 167.0442% | 64 |
| Total domestic deposits to total assets | 59.3150% | 6,181 |
| Equity capital to assets | 30.9303% | 64 |
| Core capital (leverage) ratio | 31.1207% | 61 |
| Tier 1 risk-based capital ratio | 55.3138% | 112 |
| Total risk-based capital ratio | 56.2073% | 113 |
| Memoranda: | ||
| Average total assets | $39,275,000 | 5,857 |
| Average earning assets | $37,202,250 | 5,820 |
| Average equity | $12,294,000 | 4,300 |
| Average total loans | $36,659,750 | 5,189 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 2,004 |
| Cost of funding earning assets | 0.2862% | 4,549 |
| Net interest margin | 4.0665% | 1,456 |
| Noninterest income to average assets | 0.2768% | 4,966 |
| Noninterest expense to average assets | 3.0956% | 2,256 |
| Loan and lease loss provision to assets | 0.0769% | 2,586 |
| Net operating income to assets | 0.6304% | 4,214 |
| Return on assets (ROA) | 0.6304% | 4,328 |
| Pretax return on assets | 0.9635% | 3,725 |
| Return on Equity (ROE) | 2.0058% | 5,679 |
| Retained earnings to average equity (ytd only) | 2.0058% | 4,698 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8451% | 2,558 |
| Assets per employee ($millions) | 5.7499% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5396% | 6,052 |
| Loan loss allowance to noncurrent loans | 162.6016% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 4,655 |
| Noncurrent loans to loans | 0.3318% | 4,499 |
| Net loans and leases to total assets | 91.5948% | 33 |
| Net loans and leases to deposits | 151.3631% | 14 |
| Net loans and leases to core deposits | 163.1311% | 72 |
| Total domestic deposits to total assets | 60.5133% | 6,243 |
| Equity capital to assets | 30.6244% | 64 |
| Core capital (leverage) ratio | 31.5509% | 62 |
| Tier 1 risk-based capital ratio | 55.6931% | 117 |
| Total risk-based capital ratio | 56.5968% | 118 |
| Memoranda: | ||
| Average total assets | $39,022,670 | 5,921 |
| Average earning assets | $37,034,330 | 5,885 |
| Average equity | $12,264,670 | 4,331 |
| Average total loans | $36,570,330 | 5,238 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 2,001 |
| Cost of funding earning assets | 0.2850% | 4,611 |
| Net interest margin | 4.0448% | 1,425 |
| Noninterest income to average assets | 0.3957% | 4,039 |
| Noninterest expense to average assets | 3.0930% | 2,296 |
| Loan and lease loss provision to assets | 0.1562% | 1,301 |
| Net operating income to assets | 0.6457% | 4,066 |
| Return on assets (ROA) | 0.6457% | 4,185 |
| Pretax return on assets | 0.9893% | 3,548 |
| Return on Equity (ROE) | 2.0271% | 5,686 |
| Retained earnings to average equity (ytd only) | 2.0271% | 4,663 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9730% | 2,993 |
| Assets per employee ($millions) | 5.4826% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5512% | 6,115 |
| Loan loss allowance to noncurrent loans | 50.2513% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 2,548 |
| Noncurrent loans to loans | 1.0969% | 2,573 |
| Net loans and leases to total assets | 94.0226% | 10 |
| Net loans and leases to deposits | 153.3466% | 16 |
| Net loans and leases to core deposits | 165.7130% | 72 |
| Total domestic deposits to total assets | 61.3138% | 6,307 |
| Equity capital to assets | 31.9584% | 64 |
| Core capital (leverage) ratio | 31.5126% | 63 |
| Tier 1 risk-based capital ratio | 56.0865% | 115 |
| Total risk-based capital ratio | 57.0011% | 118 |
| Memoranda: | ||
| Average total assets | $38,409,500 | 6,000 |
| Average earning assets | $36,491,000 | 5,951 |
| Average equity | $12,234,000 | 4,371 |
| Average total loans | $36,322,500 | 5,285 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4929% | 1,897 |
| Cost of funding earning assets | 0.2831% | 4,978 |
| Net interest margin | 4.2098% | 1,269 |
| Noninterest income to average assets | 0.0849% | 6,206 |
| Noninterest expense to average assets | 2.9351% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7696% | 3,519 |
| Return on assets (ROA) | 0.7696% | 3,622 |
| Pretax return on assets | 1.1756% | 2,755 |
| Return on Equity (ROE) | 2.4099% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.4099% | 4,518 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4009% | 3,311 |
| Assets per employee ($millions) | 6.4022% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5088% | 6,248 |
| Loan loss allowance to noncurrent loans | 116.3522% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 4,445 |
| Noncurrent loans to loans | 0.4373% | 4,333 |
| Net loans and leases to total assets | 94.1765% | 7 |
| Net loans and leases to deposits | 158.5485% | 15 |
| Net loans and leases to core deposits | 174.3590% | 61 |
| Total domestic deposits to total assets | 59.3992% | 6,408 |
| Equity capital to assets | 31.7184% | 62 |
| Core capital (leverage) ratio | 31.7184% | 61 |
| Tier 1 risk-based capital ratio | 55.1812% | 109 |
| Total risk-based capital ratio | 56.0190% | 110 |
| Memoranda: | ||
| Average total assets | $37,682,400 | 6,087 |
| Average earning assets | $36,034,600 | 6,032 |
| Average equity | $12,033,600 | 4,354 |
| Average total loans | $35,511,200 | 5,344 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 2,002 |
| Cost of funding earning assets | 0.2823% | 5,072 |
| Net interest margin | 4.1820% | 1,344 |
| Noninterest income to average assets | 0.0853% | 6,291 |
| Noninterest expense to average assets | 2.9404% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7538% | 3,652 |
| Return on assets (ROA) | 0.7538% | 3,746 |
| Pretax return on assets | 1.1484% | 2,993 |
| Return on Equity (ROE) | 2.3563% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.3563% | 4,876 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9130% | 3,196 |
| Assets per employee ($millions) | 6.4167% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5075% | 6,330 |
| Loan loss allowance to noncurrent loans | 116.3522% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 4,679 |
| Noncurrent loans to loans | 0.4362% | 4,592 |
| Net loans and leases to total assets | 94.1974% | 5 |
| Net loans and leases to deposits | 156.1574% | 17 |
| Net loans and leases to core deposits | 171.4218% | 61 |
| Total domestic deposits to total assets | 60.3221% | 6,488 |
| Equity capital to assets | 31.4442% | 64 |
| Core capital (leverage) ratio | 31.4442% | 62 |
| Tier 1 risk-based capital ratio | 54.3162% | 114 |
| Total risk-based capital ratio | 55.1463% | 115 |
| Memoranda: | ||
| Average total assets | $37,499,750 | 6,167 |
| Average earning assets | $35,898,750 | 6,116 |
| Average equity | $11,996,000 | 4,387 |
| Average total loans | $35,298,750 | 5,405 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4408% | 2,031 |
| Cost of funding earning assets | 0.2811% | 5,168 |
| Net interest margin | 4.1598% | 1,351 |
| Noninterest income to average assets | 0.0861% | 6,330 |
| Noninterest expense to average assets | 2.9543% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7318% | 3,665 |
| Return on assets (ROA) | 0.7318% | 3,759 |
| Pretax return on assets | 1.1139% | 3,042 |
| Return on Equity (ROE) | 2.2744% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.2744% | 4,751 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6190% | 3,223 |
| Assets per employee ($millions) | 6.4183% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5087% | 6,403 |
| Loan loss allowance to noncurrent loans | 116.3522% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 4,774 |
| Noncurrent loans to loans | 0.4372% | 4,678 |
| Net loans and leases to total assets | 93.9522% | 8 |
| Net loans and leases to deposits | 160.1071% | 16 |
| Net loans and leases to core deposits | 176.2262% | 53 |
| Total domestic deposits to total assets | 58.6809% | 6,568 |
| Equity capital to assets | 31.2386% | 61 |
| Core capital (leverage) ratio | 31.2386% | 59 |
| Tier 1 risk-based capital ratio | 54.0189% | 110 |
| Total risk-based capital ratio | 54.8496% | 112 |
| Memoranda: | ||
| Average total assets | $37,166,330 | 6,234 |
| Average earning assets | $35,579,000 | 6,183 |
| Average equity | $11,959,330 | 4,401 |
| Average total loans | $34,914,670 | 5,460 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 1,964 |
| Cost of funding earning assets | 0.2752% | 5,332 |
| Net interest margin | 4.1744% | 1,282 |
| Noninterest income to average assets | 0.0877% | 6,371 |
| Noninterest expense to average assets | 3.0690% | 2,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6576% | 3,902 |
| Return on assets (ROA) | 0.6576% | 4,001 |
| Pretax return on assets | 1.0084% | 3,288 |
| Return on Equity (ROE) | 2.0127% | 5,782 |
| Retained earnings to average equity (ytd only) | 2.0127% | 4,801 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2688% | 2,914 |
| Assets per employee ($millions) | 6.1347% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5336% | 6,472 |
| Loan loss allowance to noncurrent loans | 116.3522% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 4,842 |
| Noncurrent loans to loans | 0.4586% | 4,778 |
| Net loans and leases to total assets | 93.6916% | 7 |
| Net loans and leases to deposits | 148.5249% | 18 |
| Net loans and leases to core deposits | 163.0312% | 67 |
| Total domestic deposits to total assets | 63.0814% | 6,605 |
| Equity capital to assets | 32.4766% | 62 |
| Core capital (leverage) ratio | 32.4766% | 60 |
| Tier 1 risk-based capital ratio | 55.4196% | 108 |
| Total risk-based capital ratio | 56.2772% | 108 |
| Memoranda: | ||
| Average total assets | $36,494,500 | 6,316 |
| Average earning assets | $34,879,500 | 6,256 |
| Average equity | $11,924,000 | 4,430 |
| Average total loans | $34,189,000 | 5,535 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 1,609 |
| Cost of funding earning assets | 0.2381% | 6,044 |
| Net interest margin | 4.4478% | 828 |
| Noninterest income to average assets | 0.1348% | 6,260 |
| Noninterest expense to average assets | 3.3153% | 2,104 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7128% | 3,736 |
| Return on assets (ROA) | 0.7128% | 3,821 |
| Pretax return on assets | 1.0722% | 3,059 |
| Return on Equity (ROE) | 2.0221% | 5,832 |
| Retained earnings to average equity (ytd only) | 2.0221% | 4,798 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5631% | 2,848 |
| Assets per employee ($millions) | 5.1687% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5488% | 6,527 |
| Loan loss allowance to noncurrent loans | 116.3522% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 4,930 |
| Noncurrent loans to loans | 0.4717% | 4,815 |
| Net loans and leases to total assets | 92.6508% | 15 |
| Net loans and leases to deposits | 162.2556% | 14 |
| Net loans and leases to core deposits | 180.2646% | 50 |
| Total domestic deposits to total assets | 57.1018% | 6,728 |
| Equity capital to assets | 32.8736% | 59 |
| Core capital (leverage) ratio | 32.8736% | 57 |
| Tier 1 risk-based capital ratio | 57.0182% | 101 |
| Total risk-based capital ratio | 57.9051% | 99 |
| Memoranda: | ||
| Average total assets | $33,390,200 | 6,449 |
| Average earning assets | $31,925,600 | 6,400 |
| Average equity | $11,770,200 | 4,491 |
| Average total loans | $31,165,400 | 5,703 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7354% | 1,509 |
| Cost of funding earning assets | 0.2387% | 6,167 |
| Net interest margin | 4.4967% | 745 |
| Noninterest income to average assets | 0.1428% | 6,320 |
| Noninterest expense to average assets | 3.3932% | 1,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6892% | 3,913 |
| Return on assets (ROA) | 0.6892% | 4,049 |
| Pretax return on assets | 1.0522% | 3,289 |
| Return on Equity (ROE) | 1.9195% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.9195% | 5,169 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3303% | 2,679 |
| Assets per employee ($millions) | 4.9129% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5825% | 6,584 |
| Loan loss allowance to noncurrent loans | 116.3522% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 5,042 |
| Noncurrent loans to loans | 0.5007% | 4,943 |
| Net loans and leases to total assets | 91.8058% | 18 |
| Net loans and leases to deposits | 154.0774% | 16 |
| Net loans and leases to core deposits | 171.3262% | 51 |
| Total domestic deposits to total assets | 59.5842% | 6,788 |
| Equity capital to assets | 34.3850% | 56 |
| Core capital (leverage) ratio | 34.3850% | 54 |
| Tier 1 risk-based capital ratio | 61.0386% | 86 |
| Total risk-based capital ratio | 61.9935% | 86 |
| Memoranda: | ||
| Average total assets | $32,692,500 | 6,541 |
| Average earning assets | $31,281,250 | 6,487 |
| Average equity | $11,739,250 | 4,550 |
| Average total loans | $30,530,000 | 5,788 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7865% | 1,355 |
| Cost of funding earning assets | 0.2536% | 6,149 |
| Net interest margin | 4.5329% | 672 |
| Noninterest income to average assets | 0.1370% | 6,368 |
| Noninterest expense to average assets | 3.4426% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6786% | 3,913 |
| Return on assets (ROA) | 0.6786% | 4,075 |
| Pretax return on assets | 1.0334% | 3,357 |
| Return on Equity (ROE) | 1.8616% | 6,000 |
| Retained earnings to average equity (ytd only) | 1.8616% | 5,084 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9124% | 2,643 |
| Assets per employee ($millions) | 4.6011% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6089% | 6,606 |
| Loan loss allowance to noncurrent loans | 116.3522% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 5,028 |
| Noncurrent loans to loans | 0.5233% | 4,956 |
| Net loans and leases to total assets | 93.7562% | 7 |
| Net loans and leases to deposits | 158.3399% | 16 |
| Net loans and leases to core deposits | 177.5354% | 53 |
| Total domestic deposits to total assets | 59.2120% | 6,843 |
| Equity capital to assets | 36.5282% | 49 |
| Core capital (leverage) ratio | 36.5282% | 45 |
| Tier 1 risk-based capital ratio | 64.5400% | 77 |
| Total risk-based capital ratio | 65.5549% | 77 |
| Memoranda: | ||
| Average total assets | $32,126,670 | 6,599 |
| Average earning assets | $30,753,000 | 6,546 |
| Average equity | $11,710,670 | 4,588 |
| Average total loans | $30,121,000 | 5,841 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 1,354 |
| Cost of funding earning assets | 0.2599% | 6,222 |
| Net interest margin | 4.5092% | 674 |
| Noninterest income to average assets | 0.1621% | 6,291 |
| Noninterest expense to average assets | 3.4532% | 1,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6857% | 3,758 |
| Return on assets (ROA) | 0.6857% | 3,908 |
| Pretax return on assets | 1.0347% | 3,206 |
| Return on Equity (ROE) | 1.8830% | 5,976 |
| Retained earnings to average equity (ytd only) | 1.8830% | 5,054 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9444% | 2,774 |
| Assets per employee ($millions) | 4.5531% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6135% | 6,688 |
| Loan loss allowance to noncurrent loans | 116.3522% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4989% | 5,134 |
| Noncurrent loans to loans | 0.5272% | 5,121 |
| Net loans and leases to total assets | 94.0387% | 7 |
| Net loans and leases to deposits | 157.0283% | 19 |
| Net loans and leases to core deposits | 176.0366% | 54 |
| Total domestic deposits to total assets | 59.8864% | 6,915 |
| Equity capital to assets | 36.7439% | 48 |
| Core capital (leverage) ratio | 36.7439% | 45 |
| Tier 1 risk-based capital ratio | 65.4429% | 80 |
| Total risk-based capital ratio | 66.4767% | 80 |
| Memoranda: | ||
| Average total assets | $32,086,000 | 6,664 |
| Average earning assets | $30,781,500 | 6,607 |
| Average equity | $11,683,500 | 4,633 |
| Average total loans | $29,990,500 | 5,894 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0119% | 1,529 |
| Cost of funding earning assets | 0.3770% | 6,070 |
| Net interest margin | 4.6349% | 734 |
| Noninterest income to average assets | 0.1794% | 6,114 |
| Noninterest expense to average assets | 3.3181% | 2,282 |
| Loan and lease loss provision to assets | 0.0152% | 5,714 |
| Net operating income to assets | 0.8516% | 3,034 |
| Return on assets (ROA) | 0.8516% | 3,285 |
| Pretax return on assets | 1.2956% | 2,425 |
| Return on Equity (ROE) | 2.4326% | 5,783 |
| Retained earnings to average equity (ytd only) | 2.4326% | 4,525 |
| Net charge-offs to loans | 0.0165% | 5,680 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 86.2000% | 451 |
| Efficiency ratio | 71.6820% | 3,476 |
| Assets per employee ($millions) | 5.3833% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6203% | 6,731 |
| Loan loss allowance to noncurrent loans | 116.3522% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4923% | 5,241 |
| Noncurrent loans to loans | 0.5331% | 5,195 |
| Net loans and leases to total assets | 91.7616% | 23 |
| Net loans and leases to deposits | 153.8809% | 21 |
| Net loans and leases to core deposits | 172.3097% | 62 |
| Total domestic deposits to total assets | 59.6316% | 6,974 |
| Equity capital to assets | 36.0867% | 50 |
| Core capital (leverage) ratio | 36.0867% | 47 |
| Tier 1 risk-based capital ratio | 66.3970% | 84 |
| Total risk-based capital ratio | 67.4509% | 82 |
| Memoranda: | ||
| Average total assets | $32,880,200 | 6,685 |
| Average earning assets | $31,565,000 | 6,625 |
| Average equity | $11,510,400 | 4,670 |
| Average total loans | $30,292,400 | 5,934 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0395% | 1,581 |
| Cost of funding earning assets | 0.3996% | 6,120 |
| Net interest margin | 4.6399% | 759 |
| Noninterest income to average assets | 0.1615% | 6,330 |
| Noninterest expense to average assets | 3.3832% | 2,046 |
| Loan and lease loss provision to assets | 0.0202% | 5,546 |
| Net operating income to assets | 0.7913% | 3,493 |
| Return on assets (ROA) | 0.7913% | 3,733 |
| Pretax return on assets | 1.2112% | 2,951 |
| Return on Equity (ROE) | 2.2776% | 5,952 |
| Retained earnings to average equity (ytd only) | 2.2776% | 5,197 |
| Net charge-offs to loans | 0.0219% | 5,359 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 60.9685% | 645 |
| Efficiency ratio | 73.3158% | 3,099 |
| Assets per employee ($millions) | 5.4808% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6018% | 6,865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 92.9177% | 21 |
| Net loans and leases to deposits | 154.2765% | 21 |
| Net loans and leases to core deposits | 176.2880% | 60 |
| Total domestic deposits to total assets | 60.2281% | 7,062 |
| Equity capital to assets | 35.1893% | 50 |
| Core capital (leverage) ratio | 35.1893% | 49 |
| Tier 1 risk-based capital ratio | 63.2523% | 86 |
| Total risk-based capital ratio | 64.2635% | 86 |
| Memoranda: | ||
| Average total assets | $33,025,250 | 6,761 |
| Average earning assets | $31,695,250 | 6,702 |
| Average equity | $11,474,000 | 4,721 |
| Average total loans | $30,409,500 | 6,004 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0994% | 1,503 |
| Cost of funding earning assets | 0.4160% | 6,188 |
| Net interest margin | 4.6834% | 695 |
| Noninterest income to average assets | 0.1572% | 6,404 |
| Noninterest expense to average assets | 3.4289% | 1,961 |
| Loan and lease loss provision to assets | 0.0302% | 5,290 |
| Net operating income to assets | 0.7741% | 3,496 |
| Return on assets (ROA) | 0.7741% | 3,769 |
| Pretax return on assets | 1.1913% | 2,964 |
| Return on Equity (ROE) | 2.2375% | 5,970 |
| Retained earnings to average equity (ytd only) | 2.2375% | 5,072 |
| Net charge-offs to loans | 0.0330% | 4,915 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 40.4000% | 864 |
| Efficiency ratio | 73.7321% | 3,117 |
| Assets per employee ($millions) | 5.3878% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6257% | 6,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 90.8931% | 33 |
| Net loans and leases to deposits | 148.2418% | 20 |
| Net loans and leases to core deposits | 169.3447% | 73 |
| Total domestic deposits to total assets | 61.3141% | 7,117 |
| Equity capital to assets | 35.5864% | 50 |
| Core capital (leverage) ratio | 35.5864% | 46 |
| Tier 1 risk-based capital ratio | 64.7274% | 86 |
| Total risk-based capital ratio | 65.7683% | 86 |
| Memoranda: | ||
| Average total assets | $33,072,000 | 6,811 |
| Average earning assets | $31,729,330 | 6,745 |
| Average equity | $11,441,330 | 4,727 |
| Average total loans | $30,299,000 | 6,052 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2727% | 1,163 |
| Cost of funding earning assets | 0.4487% | 6,152 |
| Net interest margin | 4.8239% | 536 |
| Noninterest income to average assets | 0.1555% | 6,466 |
| Noninterest expense to average assets | 3.5163% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8133% | 3,323 |
| Return on assets (ROA) | 0.8133% | 3,556 |
| Pretax return on assets | 1.2678% | 2,660 |
| Return on Equity (ROE) | 2.3839% | 5,951 |
| Retained earnings to average equity (ytd only) | 2.3839% | 5,071 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5000% | 3,178 |
| Assets per employee ($millions) | 5.5363% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6239% | 6,961 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 6,884 |
| Noncurrent loans to loans | 0.0169% | 6,738 |
| Net loans and leases to total assets | 88.7079% | 60 |
| Net loans and leases to deposits | 141.9071% | 26 |
| Net loans and leases to core deposits | 163.3697% | 80 |
| Total domestic deposits to total assets | 62.5113% | 7,163 |
| Equity capital to assets | 34.4512% | 46 |
| Core capital (leverage) ratio | 34.4512% | 42 |
| Tier 1 risk-based capital ratio | 63.3315% | 86 |
| Total risk-based capital ratio | 64.3553% | 85 |
| Memoranda: | ||
| Average total assets | $33,444,500 | 6,851 |
| Average earning assets | $32,090,000 | 6,791 |
| Average equity | $11,410,000 | 4,747 |
| Average total loans | $30,664,500 | 6,076 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4575% | 1,273 |
| Cost of funding earning assets | 0.6866% | 5,624 |
| Net interest margin | 4.7709% | 660 |
| Noninterest income to average assets | 0.2763% | 5,555 |
| Noninterest expense to average assets | 3.4152% | 2,202 |
| Loan and lease loss provision to assets | 0.0285% | 6,215 |
| Net operating income to assets | 0.9286% | 2,490 |
| Return on assets (ROA) | 0.9286% | 2,608 |
| Pretax return on assets | 1.4042% | 1,778 |
| Return on Equity (ROE) | 2.9086% | 5,326 |
| Retained earnings to average equity (ytd only) | 2.9086% | 4,172 |
| Net charge-offs to loans | 0.1976% | 4,562 |
| Credit loss provision to net charge-offs | 15.3846% | 5,963 |
| Earnings coverage of net charge-offs (x) | 7.7385% | 2,276 |
| Efficiency ratio | 70.4465% | 3,854 |
| Assets per employee ($millions) | 5.6118% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5840% | 7,027 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 6,941 |
| Noncurrent loans to loans | 0.0158% | 6,796 |
| Net loans and leases to total assets | 93.5286% | 10 |
| Net loans and leases to deposits | 149.4637% | 30 |
| Net loans and leases to core deposits | 171.6466% | 89 |
| Total domestic deposits to total assets | 62.5761% | 7,197 |
| Equity capital to assets | 33.7858% | 55 |
| Core capital (leverage) ratio | 33.7858% | 52 |
| Tier 1 risk-based capital ratio | 63.8241% | 82 |
| Total risk-based capital ratio | 64.8620% | 82 |
| Memoranda: | ||
| Average total assets | $35,107,800 | 6,827 |
| Average earning assets | $33,641,800 | 6,763 |
| Average equity | $11,208,200 | 4,738 |
| Average total loans | $32,900,400 | 6,017 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4746% | 1,317 |
| Cost of funding earning assets | 0.7417% | 5,511 |
| Net interest margin | 4.7329% | 706 |
| Noninterest income to average assets | 0.3083% | 5,391 |
| Noninterest expense to average assets | 3.4209% | 2,137 |
| Loan and lease loss provision to assets | 0.0301% | 6,059 |
| Net operating income to assets | 0.9210% | 2,669 |
| Return on assets (ROA) | 0.9210% | 2,805 |
| Pretax return on assets | 1.3909% | 1,966 |
| Return on Equity (ROE) | 2.9254% | 5,452 |
| Retained earnings to average equity (ytd only) | 2.9254% | 4,599 |
| Net charge-offs to loans | 0.2530% | 3,851 |
| Credit loss provision to net charge-offs | 12.6984% | 5,642 |
| Earnings coverage of net charge-offs (x) | 5.9999% | 2,646 |
| Efficiency ratio | 70.6522% | 3,824 |
| Assets per employee ($millions) | 5.7407% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5853% | 7,100 |
| Loan loss allowance to noncurrent loans | 2,642.8571% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 7,013 |
| Noncurrent loans to loans | 0.0221% | 6,885 |
| Net loans and leases to total assets | 91.2292% | 27 |
| Net loans and leases to deposits | 142.6632% | 32 |
| Net loans and leases to core deposits | 162.7376% | 107 |
| Total domestic deposits to total assets | 63.9473% | 7,248 |
| Equity capital to assets | 32.7924% | 66 |
| Core capital (leverage) ratio | 32.7924% | 63 |
| Tier 1 risk-based capital ratio | 62.8478% | 99 |
| Total risk-based capital ratio | 63.8771% | 99 |
| Memoranda: | ||
| Average total assets | $35,467,000 | 6,877 |
| Average earning assets | $33,974,000 | 6,817 |
| Average equity | $11,166,250 | 4,765 |
| Average total loans | $33,206,250 | 6,058 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4996% | 1,296 |
| Cost of funding earning assets | 0.8057% | 5,329 |
| Net interest margin | 4.6939% | 742 |
| Noninterest income to average assets | 0.2960% | 5,519 |
| Noninterest expense to average assets | 3.4406% | 2,151 |
| Loan and lease loss provision to assets | 0.0447% | 5,750 |
| Net operating income to assets | 0.8657% | 2,795 |
| Return on assets (ROA) | 0.8657% | 2,883 |
| Pretax return on assets | 1.3014% | 2,136 |
| Return on Equity (ROE) | 2.7869% | 5,484 |
| Retained earnings to average equity (ytd only) | 2.7869% | 4,509 |
| Net charge-offs to loans | 0.3735% | 3,062 |
| Credit loss provision to net charge-offs | 12.6984% | 5,217 |
| Earnings coverage of net charge-offs (x) | 3.8254% | 3,040 |
| Efficiency ratio | 71.8786% | 3,761 |
| Assets per employee ($millions) | 5.7890% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5710% | 7,177 |
| Loan loss allowance to noncurrent loans | 2,642.8571% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 7,062 |
| Noncurrent loans to loans | 0.0216% | 6,943 |
| Net loans and leases to total assets | 92.7420% | 19 |
| Net loans and leases to deposits | 145.2672% | 32 |
| Net loans and leases to core deposits | 165.4834% | 110 |
| Total domestic deposits to total assets | 63.8423% | 7,320 |
| Equity capital to assets | 32.2595% | 68 |
| Core capital (leverage) ratio | 32.2595% | 69 |
| Tier 1 risk-based capital ratio | 60.8570% | 106 |
| Total risk-based capital ratio | 61.8618% | 105 |
| Memoranda: | ||
| Average total assets | $35,808,000 | 6,924 |
| Average earning assets | $34,257,330 | 6,860 |
| Average equity | $11,123,330 | 4,778 |
| Average total loans | $33,739,000 | 6,090 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4970% | 1,309 |
| Cost of funding earning assets | 0.8413% | 5,325 |
| Net interest margin | 4.6557% | 774 |
| Noninterest income to average assets | 0.2201% | 6,161 |
| Noninterest expense to average assets | 3.6099% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7154% | 3,450 |
| Return on assets (ROA) | 0.7154% | 3,514 |
| Pretax return on assets | 1.0565% | 2,918 |
| Return on Equity (ROE) | 2.3460% | 5,661 |
| Retained earnings to average equity (ytd only) | 2.3460% | 4,742 |
| Net charge-offs to loans | 0.6394% | 1,927 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.7455% | 3,436 |
| Efficiency ratio | 77.3585% | 2,933 |
| Assets per employee ($millions) | 5.0656% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5498% | 7,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 94.3794% | 10 |
| Net loans and leases to deposits | 147.0193% | 35 |
| Net loans and leases to core deposits | 166.7630% | 114 |
| Total domestic deposits to total assets | 64.1953% | 7,365 |
| Equity capital to assets | 31.3461% | 74 |
| Core capital (leverage) ratio | 31.3461% | 72 |
| Tier 1 risk-based capital ratio | 58.6667% | 110 |
| Total risk-based capital ratio | 59.6432% | 110 |
| Memoranda: | ||
| Average total assets | $36,345,000 | 6,955 |
| Average earning assets | $34,710,000 | 6,892 |
| Average equity | $11,082,500 | 4,779 |
| Average total loans | $34,409,500 | 6,110 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6609% | 1,711 |
| Cost of funding earning assets | 1.1242% | 5,003 |
| Net interest margin | 4.5367% | 1,159 |
| Noninterest income to average assets | 0.2466% | 6,030 |
| Noninterest expense to average assets | 3.1787% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9111% | 2,340 |
| Return on assets (ROA) | 0.9111% | 2,477 |
| Pretax return on assets | 1.3843% | 1,703 |
| Return on Equity (ROE) | 3.3324% | 4,812 |
| Retained earnings to average equity (ytd only) | 3.3324% | 3,535 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6635% | 4,248 |
| Assets per employee ($millions) | 4.6539% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5260% | 7,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 6,148 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 93.9620% | 14 |
| Net loans and leases to deposits | 155.8263% | 31 |
| Net loans and leases to core deposits | 180.5015% | 107 |
| Total domestic deposits to total assets | 60.2992% | 7,502 |
| Equity capital to assets | 29.6796% | 84 |
| Core capital (leverage) ratio | 29.6796% | 87 |
| Tier 1 risk-based capital ratio | 55.1755% | 121 |
| Total risk-based capital ratio | 56.0993% | 122 |
| Memoranda: | ||
| Average total assets | $39,732,600 | 6,876 |
| Average earning assets | $37,803,000 | 6,804 |
| Average equity | $10,863,200 | 4,900 |
| Average total loans | $37,528,600 | 6,034 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6689% | 1,816 |
| Cost of funding earning assets | 1.1907% | 4,912 |
| Net interest margin | 4.4782% | 1,306 |
| Noninterest income to average assets | 0.2246% | 6,295 |
| Noninterest expense to average assets | 3.1550% | 3,091 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8722% | 2,723 |
| Return on assets (ROA) | 0.8722% | 2,861 |
| Pretax return on assets | 1.3314% | 2,086 |
| Return on Equity (ROE) | 3.2542% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.2542% | 4,153 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3240% | 4,000 |
| Assets per employee ($millions) | 3.8798% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5039% | 7,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 6,271 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 94.1415% | 10 |
| Net loans and leases to deposits | 156.6655% | 30 |
| Net loans and leases to core deposits | 181.0319% | 105 |
| Total domestic deposits to total assets | 60.0907% | 7,592 |
| Equity capital to assets | 28.2283% | 97 |
| Core capital (leverage) ratio | 28.2283% | 95 |
| Tier 1 risk-based capital ratio | 52.4170% | 142 |
| Total risk-based capital ratio | 53.3024% | 144 |
| Memoranda: | ||
| Average total assets | $40,358,000 | 6,931 |
| Average earning assets | $38,407,250 | 6,860 |
| Average equity | $10,816,500 | 4,967 |
| Average total loans | $38,118,750 | 6,090 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6693% | 1,873 |
| Cost of funding earning assets | 1.3055% | 4,499 |
| Net interest margin | 4.3638% | 1,553 |
| Noninterest income to average assets | 0.2104% | 6,415 |
| Noninterest expense to average assets | 3.0579% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8562% | 2,707 |
| Return on assets (ROA) | 0.8562% | 2,850 |
| Pretax return on assets | 1.3063% | 2,064 |
| Return on Equity (ROE) | 3.2494% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.2494% | 4,033 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0673% | 4,185 |
| Assets per employee ($millions) | 4.4774% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4862% | 7,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 6,307 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 93.9673% | 13 |
| Net loans and leases to deposits | 164.7924% | 32 |
| Net loans and leases to core deposits | 192.3401% | 106 |
| Total domestic deposits to total assets | 57.0216% | 7,700 |
| Equity capital to assets | 26.9573% | 112 |
| Core capital (leverage) ratio | 26.9573% | 106 |
| Tier 1 risk-based capital ratio | 50.1732% | 154 |
| Total risk-based capital ratio | 51.0277% | 155 |
| Memoranda: | ||
| Average total assets | $40,878,000 | 6,965 |
| Average earning assets | $38,911,330 | 6,890 |
| Average equity | $10,771,330 | 4,980 |
| Average total loans | $38,588,330 | 6,111 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6737% | 1,875 |
| Cost of funding earning assets | 1.6021% | 2,947 |
| Net interest margin | 4.0716% | 2,559 |
| Noninterest income to average assets | 0.1846% | 6,634 |
| Noninterest expense to average assets | 2.9343% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7384% | 3,270 |
| Return on assets (ROA) | 0.7384% | 3,369 |
| Pretax return on assets | 1.1271% | 2,642 |
| Return on Equity (ROE) | 2.8344% | 5,415 |
| Retained earnings to average equity (ytd only) | 2.8344% | 4,433 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2488% | 3,881 |
| Assets per employee ($millions) | 4.0638% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4832% | 7,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 6,306 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 93.7669% | 18 |
| Net loans and leases to deposits | 166.4555% | 33 |
| Net loans and leases to core deposits | 191.9841% | 110 |
| Total domestic deposits to total assets | 56.3315% | 7,793 |
| Equity capital to assets | 26.4875% | 122 |
| Core capital (leverage) ratio | 26.4875% | 114 |
| Tier 1 risk-based capital ratio | 49.2249% | 161 |
| Total risk-based capital ratio | 50.0709% | 161 |
| Memoranda: | ||
| Average total assets | $41,168,500 | 7,050 |
| Average earning assets | $39,198,500 | 6,964 |
| Average equity | $10,725,500 | 5,041 |
| Average total loans | $38,857,000 | 6,173 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7199% | 3,008 |
| Cost of funding earning assets | 1.9196% | 3,356 |
| Net interest margin | 3.8002% | 3,707 |
| Noninterest income to average assets | 0.2719% | 6,170 |
| Noninterest expense to average assets | 2.7327% | 5,232 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7692% | 2,641 |
| Return on assets (ROA) | 0.7692% | 2,734 |
| Pretax return on assets | 1.1596% | 2,066 |
| Return on Equity (ROE) | 3.1475% | 4,439 |
| Retained earnings to average equity (ytd only) | 3.1475% | 2,957 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2090% | 4,580 |
| Assets per employee ($millions) | 5.2124% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4693% | 7,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 6,320 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 94.1006% | 13 |
| Net loans and leases to deposits | 176.5534% | 32 |
| Net loans and leases to core deposits | 259.4486% | 46 |
| Total domestic deposits to total assets | 53.2986% | 7,887 |
| Equity capital to assets | 25.6289% | 144 |
| Core capital (leverage) ratio | 25.6289% | 146 |
| Tier 1 risk-based capital ratio | 47.6205% | 173 |
| Total risk-based capital ratio | 48.4449% | 176 |
| Memoranda: | ||
| Average total assets | $43,033,600 | 6,989 |
| Average earning assets | $40,997,400 | 6,908 |
| Average equity | $10,516,200 | 5,159 |
| Average total loans | $40,556,200 | 6,073 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7161% | 3,264 |
| Cost of funding earning assets | 1.9688% | 3,522 |
| Net interest margin | 3.7473% | 3,879 |
| Noninterest income to average assets | 0.2798% | 6,233 |
| Noninterest expense to average assets | 2.7147% | 5,260 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7502% | 3,024 |
| Return on assets (ROA) | 0.7502% | 3,081 |
| Pretax return on assets | 1.1345% | 2,460 |
| Return on Equity (ROE) | 3.1062% | 4,742 |
| Retained earnings to average equity (ytd only) | 3.1062% | 3,586 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5272% | 4,489 |
| Assets per employee ($millions) | 5.2801% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4630% | 7,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 6,226 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 94.1502% | 20 |
| Net loans and leases to deposits | 171.4668% | 39 |
| Net loans and leases to core deposits | 254.3327% | 48 |
| Total domestic deposits to total assets | 54.9087% | 7,939 |
| Equity capital to assets | 25.0941% | 173 |
| Core capital (leverage) ratio | 25.0941% | 167 |
| Tier 1 risk-based capital ratio | 46.5586% | 196 |
| Total risk-based capital ratio | 47.3712% | 198 |
| Memoranda: | ||
| Average total assets | $43,367,250 | 7,021 |
| Average earning assets | $41,309,000 | 6,944 |
| Average equity | $10,473,500 | 5,213 |
| Average total loans | $40,839,250 | 6,112 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7097% | 3,481 |
| Cost of funding earning assets | 2.0313% | 3,618 |
| Net interest margin | 3.6784% | 4,053 |
| Noninterest income to average assets | 0.3018% | 6,106 |
| Noninterest expense to average assets | 2.7387% | 5,223 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7087% | 3,214 |
| Return on assets (ROA) | 0.7087% | 3,321 |
| Pretax return on assets | 1.0653% | 2,751 |
| Return on Equity (ROE) | 2.9718% | 4,911 |
| Retained earnings to average equity (ytd only) | 2.9718% | 3,666 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9952% | 4,412 |
| Assets per employee ($millions) | 4.7850% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4547% | 7,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4853% | 6,220 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 94.0392% | 24 |
| Net loans and leases to deposits | 169.7318% | 44 |
| Net loans and leases to core deposits | 246.2483% | 62 |
| Total domestic deposits to total assets | 55.4046% | 8,014 |
| Equity capital to assets | 24.4073% | 217 |
| Core capital (leverage) ratio | 24.4073% | 220 |
| Tier 1 risk-based capital ratio | 45.3569% | 218 |
| Total risk-based capital ratio | 46.1552% | 223 |
| Memoranda: | ||
| Average total assets | $43,742,670 | 7,064 |
| Average earning assets | $41,648,330 | 6,988 |
| Average equity | $10,431,330 | 5,232 |
| Average total loans | $41,134,000 | 6,151 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7248% | 3,671 |
| Cost of funding earning assets | 2.1182% | 3,568 |
| Net interest margin | 3.6067% | 4,290 |
| Noninterest income to average assets | 0.2904% | 6,116 |
| Noninterest expense to average assets | 2.7676% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6443% | 3,816 |
| Return on assets (ROA) | 0.6443% | 3,998 |
| Pretax return on assets | 0.9528% | 3,523 |
| Return on Equity (ROE) | 2.7330% | 5,483 |
| Retained earnings to average equity (ytd only) | 2.7330% | 4,368 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3902% | 3,755 |
| Assets per employee ($millions) | 4.8802% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4483% | 7,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 6,289 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 93.5249% | 37 |
| Net loans and leases to deposits | 158.6207% | 53 |
| Net loans and leases to core deposits | 226.2129% | 93 |
| Total domestic deposits to total assets | 58.9613% | 7,992 |
| Equity capital to assets | 23.7398% | 253 |
| Core capital (leverage) ratio | 23.7398% | 263 |
| Tier 1 risk-based capital ratio | 44.2911% | 260 |
| Total risk-based capital ratio | 45.0769% | 265 |
| Memoranda: | ||
| Average total assets | $44,081,500 | 7,100 |
| Average earning assets | $41,922,500 | 7,023 |
| Average equity | $10,391,500 | 5,264 |
| Average total loans | $41,359,500 | 6,177 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9715% | 5,694 |
| Cost of funding earning assets | 2.5662% | 3,872 |
| Net interest margin | 3.4053% | 5,643 |
| Noninterest income to average assets | 0.2303% | 6,787 |
| Noninterest expense to average assets | 2.4703% | 6,134 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6841% | 3,963 |
| Return on assets (ROA) | 0.6841% | 3,800 |
| Pretax return on assets | 1.0082% | 3,356 |
| Return on Equity (ROE) | 2.9991% | 5,237 |
| Retained earnings to average equity (ytd only) | 2.9991% | 3,304 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1799% | 4,318 |
| Assets per employee ($millions) | 4.9157% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4463% | 7,924 |
| Loan loss allowance to noncurrent loans | 116.3522% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 6,158 |
| Noncurrent loans to loans | 0.3835% | 6,195 |
| Net loans and leases to total assets | 93.2868% | 45 |
| Net loans and leases to deposits | 160.7189% | 61 |
| Net loans and leases to core deposits | 225.3276% | 100 |
| Total domestic deposits to total assets | 58.0434% | 8,014 |
| Equity capital to assets | 23.4082% | 305 |
| Core capital (leverage) ratio | 23.4082% | 294 |
| Tier 1 risk-based capital ratio | 43.7276% | 275 |
| Total risk-based capital ratio | 44.5087% | 280 |
| Memoranda: | ||
| Average total assets | $44,731,000 | 7,000 |
| Average earning assets | $42,669,400 | 6,914 |
| Average equity | $10,203,200 | 5,342 |
| Average total loans | $42,016,400 | 6,074 |