Home > New Carlisle Federal Savings Bank > Performance and Condition Ratios
New Carlisle Federal Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2846% | 844 |
| Cost of funding earning assets | 2.7057% | 594 |
| Net interest margin | 3.5789% | 2,122 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 2.5726% | 2,097 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 0.8786% | 2,640 |
| Return on assets (ROA) | 0.8786% | 2,646 |
| Pretax return on assets | 1.0706% | 2,572 |
| Return on Equity (ROE) | 10.5600% | 2,157 |
| Retained earnings to average equity (ytd only) | 10.5555% | 1,065 |
| Net charge-offs to loans | 0.0066% | 2,003 |
| Credit loss provision to net charge-offs | 675.0000% | 440 |
| Earnings coverage of net charge-offs (x) | 197.7500% | 425 |
| Efficiency ratio | 69.4122% | 1,891 |
| Assets per employee ($millions) | 8.9676% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 3,514 |
| Loan loss allowance to noncurrent loans | 40.7460% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.9525% | 241 |
| Noncurrent loans to loans | 2.2852% | 349 |
| Net loans and leases to total assets | 84.6400% | 214 |
| Net loans and leases to deposits | 115.1224% | 101 |
| Net loans and leases to core deposits | 131.7475% | 315 |
| Total domestic deposits to total assets | 73.5300% | 4,093 |
| Equity capital to assets | 8.2122% | 3,489 |
| Core capital (leverage) ratio | 8.3726% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6744% | 2,712 |
| Memoranda: | ||
| Average total assets | $279,094,500 | 2,581 |
| Average earning assets | $264,775,500 | 2,552 |
| Average equity | $23,229,500 | 2,812 |
| Average total loans | $243,206,000 | 2,150 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2907% | 921 |
| Cost of funding earning assets | 2.5622% | 1,032 |
| Net interest margin | 3.7286% | 1,629 |
| Noninterest income to average assets | 0.5400% | 1,745 |
| Noninterest expense to average assets | 2.5477% | 2,168 |
| Loan and lease loss provision to assets | 0.1900% | 718 |
| Net operating income to assets | 1.0677% | 1,853 |
| Return on assets (ROA) | 1.0677% | 1,856 |
| Pretax return on assets | 1.3249% | 1,689 |
| Return on Equity (ROE) | 12.8500% | 1,391 |
| Retained earnings to average equity (ytd only) | 12.8549% | 229 |
| Net charge-offs to loans | -0.0058% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 62.7651% | 2,856 |
| Assets per employee ($millions) | 8.4758% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 3,514 |
| Loan loss allowance to noncurrent loans | 62.6039% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.3310% | 456 |
| Noncurrent loans to loans | 1.4965% | 638 |
| Net loans and leases to total assets | 88.1100% | 76 |
| Net loans and leases to deposits | 127.0056% | 55 |
| Net loans and leases to core deposits | 145.2661% | 194 |
| Total domestic deposits to total assets | 69.3700% | 4,219 |
| Equity capital to assets | 8.4406% | 3,253 |
| Core capital (leverage) ratio | 8.6600% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9068% | 2,741 |
| Memoranda: | ||
| Average total assets | $257,837,600 | 2,660 |
| Average earning assets | $243,230,400 | 2,633 |
| Average equity | $21,416,000 | 2,872 |
| Average total loans | $223,458,200 | 2,222 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2624% | 936 |
| Cost of funding earning assets | 2.5207% | 1,134 |
| Net interest margin | 3.7416% | 1,562 |
| Noninterest income to average assets | 0.6200% | 1,407 |
| Noninterest expense to average assets | 2.5902% | 1,986 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 1.1269% | 1,688 |
| Return on assets (ROA) | 1.1269% | 1,694 |
| Pretax return on assets | 1.4056% | 1,493 |
| Return on Equity (ROE) | 13.6300% | 1,222 |
| Retained earnings to average equity (ytd only) | 13.6265% | 334 |
| Net charge-offs to loans | -0.0079% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 62.4953% | 2,863 |
| Assets per employee ($millions) | 9.3133% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 3,537 |
| Loan loss allowance to noncurrent loans | 114.1276% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7275% | 981 |
| Noncurrent loans to loans | 0.8214% | 1,217 |
| Net loans and leases to total assets | 87.7300% | 78 |
| Net loans and leases to deposits | 128.6495% | 44 |
| Net loans and leases to core deposits | 147.1064% | 197 |
| Total domestic deposits to total assets | 68.1900% | 4,264 |
| Equity capital to assets | 8.5638% | 3,352 |
| Core capital (leverage) ratio | 8.7298% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2410% | 2,733 |
| Memoranda: | ||
| Average total assets | $254,490,500 | 2,670 |
| Average earning assets | $239,817,750 | 2,649 |
| Average equity | $21,046,750 | 2,897 |
| Average total loans | $219,015,250 | 2,240 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1694% | 946 |
| Cost of funding earning assets | 2.4822% | 1,115 |
| Net interest margin | 3.6871% | 1,620 |
| Noninterest income to average assets | 0.4600% | 2,045 |
| Noninterest expense to average assets | 2.6126% | 1,915 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0024% | 1,988 |
| Return on assets (ROA) | 1.0024% | 1,990 |
| Pretax return on assets | 1.2496% | 1,815 |
| Return on Equity (ROE) | 12.2700% | 1,548 |
| Retained earnings to average equity (ytd only) | 12.2706% | 513 |
| Net charge-offs to loans | -0.0084% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 66.5254% | 2,488 |
| Assets per employee ($millions) | 8.4925% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 3,631 |
| Loan loss allowance to noncurrent loans | 85.2089% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9208% | 674 |
| Noncurrent loans to loans | 1.0779% | 848 |
| Net loans and leases to total assets | 84.6400% | 240 |
| Net loans and leases to deposits | 116.7619% | 121 |
| Net loans and leases to core deposits | 131.6709% | 380 |
| Total domestic deposits to total assets | 72.4900% | 4,156 |
| Equity capital to assets | 8.3677% | 3,188 |
| Core capital (leverage) ratio | 8.5237% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2126% | 2,757 |
| Memoranda: | ||
| Average total assets | $252,396,667 | 2,678 |
| Average earning assets | $237,365,333 | 2,660 |
| Average equity | $20,618,333 | 2,891 |
| Average total loans | $215,041,667 | 2,252 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0903% | 948 |
| Cost of funding earning assets | 2.4466% | 1,087 |
| Net interest margin | 3.6437% | 1,653 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 2.6401% | 1,846 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.8344% | 2,434 |
| Return on assets (ROA) | 0.8344% | 2,448 |
| Pretax return on assets | 1.0318% | 2,298 |
| Return on Equity (ROE) | 10.3400% | 2,032 |
| Retained earnings to average equity (ytd only) | 10.3414% | 1,037 |
| Net charge-offs to loans | -0.0037% | 3,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.3735% | 2,113 |
| Assets per employee ($millions) | 8.4164% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 3,673 |
| Loan loss allowance to noncurrent loans | 202.4793% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 1,592 |
| Noncurrent loans to loans | 0.4479% | 1,806 |
| Net loans and leases to total assets | 84.8200% | 219 |
| Net loans and leases to deposits | 118.0320% | 90 |
| Net loans and leases to core deposits | 134.8552% | 338 |
| Total domestic deposits to total assets | 71.8600% | 4,233 |
| Equity capital to assets | 8.1341% | 3,273 |
| Core capital (leverage) ratio | 8.3404% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8705% | 2,823 |
| Memoranda: | ||
| Average total assets | $251,207,000 | 2,690 |
| Average earning assets | $237,229,000 | 2,671 |
| Average equity | $20,268,000 | 2,928 |
| Average total loans | $213,741,000 | 2,253 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6514% | 985 |
| Cost of funding earning assets | 1.9265% | 1,027 |
| Net interest margin | 3.7249% | 1,708 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.5639% | 2,114 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.8332% | 2,766 |
| Return on assets (ROA) | 0.8332% | 2,746 |
| Pretax return on assets | 1.0503% | 2,533 |
| Return on Equity (ROE) | 10.2400% | 2,423 |
| Retained earnings to average equity (ytd only) | 10.2357% | 954 |
| Net charge-offs to loans | 0.1641% | 638 |
| Credit loss provision to net charge-offs | 150.1538% | 1,473 |
| Earnings coverage of net charge-offs (x) | 9.0062% | 2,318 |
| Efficiency ratio | 67.0420% | 2,228 |
| Assets per employee ($millions) | 8.0620% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 3,703 |
| Loan loss allowance to noncurrent loans | 393.4021% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 2,257 |
| Noncurrent loans to loans | 0.2295% | 2,403 |
| Net loans and leases to total assets | 83.8000% | 285 |
| Net loans and leases to deposits | 120.6328% | 81 |
| Net loans and leases to core deposits | 136.6180% | 305 |
| Total domestic deposits to total assets | 69.4700% | 4,308 |
| Equity capital to assets | 8.0017% | 3,414 |
| Core capital (leverage) ratio | 8.3651% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7737% | 2,844 |
| Memoranda: | ||
| Average total assets | $232,228,400 | 2,778 |
| Average earning assets | $216,088,800 | 2,763 |
| Average equity | $18,904,400 | 2,946 |
| Average total loans | $198,099,600 | 2,293 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5319% | 974 |
| Cost of funding earning assets | 1.8055% | 996 |
| Net interest margin | 3.7265% | 1,725 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.5641% | 2,048 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 0.7778% | 3,091 |
| Return on assets (ROA) | 0.7778% | 3,080 |
| Pretax return on assets | 0.9815% | 2,906 |
| Return on Equity (ROE) | 9.5100% | 2,796 |
| Retained earnings to average equity (ytd only) | 9.5108% | 1,547 |
| Net charge-offs to loans | 0.2115% | 417 |
| Credit loss provision to net charge-offs | 141.4239% | 1,355 |
| Earnings coverage of net charge-offs (x) | 6.8414% | 2,264 |
| Efficiency ratio | 67.4519% | 2,078 |
| Assets per employee ($millions) | 7.4516% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 3,729 |
| Loan loss allowance to noncurrent loans | 236.1917% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 1,695 |
| Noncurrent loans to loans | 0.3818% | 1,869 |
| Net loans and leases to total assets | 86.3100% | 143 |
| Net loans and leases to deposits | 128.0175% | 48 |
| Net loans and leases to core deposits | 137.1990% | 252 |
| Total domestic deposits to total assets | 67.4200% | 4,379 |
| Equity capital to assets | 8.0772% | 3,009 |
| Core capital (leverage) ratio | 8.3347% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7366% | 2,863 |
| Memoranda: | ||
| Average total assets | $227,805,000 | 2,811 |
| Average earning assets | $211,204,500 | 2,807 |
| Average equity | $18,631,000 | 2,957 |
| Average total loans | $194,786,250 | 2,322 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3864% | 968 |
| Cost of funding earning assets | 1.6390% | 983 |
| Net interest margin | 3.7474% | 1,723 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.6006% | 1,929 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 0.7491% | 3,220 |
| Return on assets (ROA) | 0.7491% | 3,240 |
| Pretax return on assets | 0.9409% | 3,069 |
| Return on Equity (ROE) | 9.1200% | 2,949 |
| Retained earnings to average equity (ytd only) | 9.1199% | 1,659 |
| Net charge-offs to loans | 0.2341% | 351 |
| Credit loss provision to net charge-offs | 116.1435% | 1,342 |
| Earnings coverage of net charge-offs (x) | 5.8924% | 2,148 |
| Efficiency ratio | 68.9362% | 1,874 |
| Assets per employee ($millions) | 6.4985% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 3,780 |
| Loan loss allowance to noncurrent loans | 305.4889% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 1,916 |
| Noncurrent loans to loans | 0.2952% | 2,080 |
| Net loans and leases to total assets | 86.0400% | 151 |
| Net loans and leases to deposits | 125.3239% | 69 |
| Net loans and leases to core deposits | 133.8200% | 278 |
| Total domestic deposits to total assets | 68.6500% | 4,392 |
| Equity capital to assets | 8.2603% | 3,046 |
| Core capital (leverage) ratio | 8.5716% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9349% | 2,855 |
| Memoranda: | ||
| Average total assets | $224,256,667 | 2,839 |
| Average earning assets | $206,594,000 | 2,846 |
| Average equity | $18,421,333 | 2,991 |
| Average total loans | $190,485,667 | 2,351 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2709% | 858 |
| Cost of funding earning assets | 1.4614% | 914 |
| Net interest margin | 3.8095% | 1,671 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.6713% | 1,744 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 0.9126% | 2,814 |
| Return on assets (ROA) | 0.9126% | 2,771 |
| Pretax return on assets | 1.1408% | 2,597 |
| Return on Equity (ROE) | 11.1400% | 2,456 |
| Retained earnings to average equity (ytd only) | 11.1416% | 1,440 |
| Net charge-offs to loans | -0.0107% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.9108% | 1,654 |
| Assets per employee ($millions) | 6.5661% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 3,846 |
| Loan loss allowance to noncurrent loans | 151.1832% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 937 |
| Noncurrent loans to loans | 0.5964% | 1,248 |
| Net loans and leases to total assets | 84.9300% | 188 |
| Net loans and leases to deposits | 121.2437% | 76 |
| Net loans and leases to core deposits | 129.1517% | 282 |
| Total domestic deposits to total assets | 70.0500% | 4,416 |
| Equity capital to assets | 8.2885% | 3,046 |
| Core capital (leverage) ratio | 8.6356% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $222,660,500 | 2,890 |
| Average earning assets | $202,547,500 | 2,917 |
| Average equity | $18,238,000 | 3,032 |
| Average total loans | $186,989,500 | 2,394 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 642 |
| Cost of funding earning assets | 0.7434% | 486 |
| Net interest margin | 3.8214% | 1,116 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.8757% | 1,165 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.7747% | 3,411 |
| Return on assets (ROA) | 0.7747% | 3,350 |
| Pretax return on assets | 0.9624% | 3,186 |
| Return on Equity (ROE) | 8.6000% | 3,231 |
| Retained earnings to average equity (ytd only) | 8.5954% | 1,607 |
| Net charge-offs to loans | -0.0043% | 3,603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.9740% | 1,566 |
| Assets per employee ($millions) | 6.7295% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 3,636 |
| Loan loss allowance to noncurrent loans | 158.3179% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 946 |
| Noncurrent loans to loans | 0.5924% | 1,262 |
| Net loans and leases to total assets | 81.4800% | 454 |
| Net loans and leases to deposits | 117.7230% | 81 |
| Net loans and leases to core deposits | 123.2125% | 317 |
| Total domestic deposits to total assets | 69.2100% | 4,487 |
| Equity capital to assets | 8.0928% | 2,999 |
| Core capital (leverage) ratio | 8.7011% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $192,337,200 | 3,085 |
| Average earning assets | $178,780,400 | 3,072 |
| Average equity | $17,334,800 | 3,182 |
| Average total loans | $162,077,200 | 2,523 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5097% | 495 |
| Cost of funding earning assets | 0.6161% | 399 |
| Net interest margin | 3.8936% | 815 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.9788% | 933 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 0.7860% | 3,312 |
| Return on assets (ROA) | 0.7860% | 3,262 |
| Pretax return on assets | 0.9785% | 3,080 |
| Return on Equity (ROE) | 8.4600% | 3,183 |
| Retained earnings to average equity (ytd only) | 8.4615% | 1,832 |
| Net charge-offs to loans | 0.0187% | 1,468 |
| Credit loss provision to net charge-offs | 1,450.0000% | 313 |
| Earnings coverage of net charge-offs (x) | 76.1818% | 1,065 |
| Efficiency ratio | 71.1383% | 1,624 |
| Assets per employee ($millions) | 5.9028% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 3,752 |
| Loan loss allowance to noncurrent loans | 181.5279% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 1,249 |
| Noncurrent loans to loans | 0.5165% | 1,505 |
| Net loans and leases to total assets | 83.8100% | 261 |
| Net loans and leases to deposits | 123.0437% | 44 |
| Net loans and leases to core deposits | 125.2379% | 186 |
| Total domestic deposits to total assets | 68.1100% | 4,563 |
| Equity capital to assets | 8.7387% | 2,382 |
| Core capital (leverage) ratio | 9.2658% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $184,903,250 | 3,175 |
| Average earning assets | $172,688,750 | 3,147 |
| Average equity | $17,175,500 | 3,228 |
| Average total loans | $156,932,000 | 2,571 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5143% | 368 |
| Cost of funding earning assets | 0.5811% | 319 |
| Net interest margin | 3.9331% | 575 |
| Noninterest income to average assets | 0.6569% | 1,511 |
| Noninterest expense to average assets | 3.0673% | 766 |
| Loan and lease loss provision to assets | 0.2973% | 223 |
| Net operating income to assets | 0.7805% | 3,026 |
| Return on assets (ROA) | 0.7805% | 2,992 |
| Pretax return on assets | 0.9619% | 2,865 |
| Return on Equity (ROE) | 8.2206% | 2,959 |
| Retained earnings to average equity (ytd only) | 8.2206% | 1,541 |
| Net charge-offs to loans | 0.0485% | 911 |
| Credit loss provision to net charge-offs | 721.6216% | 506 |
| Earnings coverage of net charge-offs (x) | 30.5676% | 1,380 |
| Efficiency ratio | 70.8955% | 1,842 |
| Assets per employee ($millions) | 5.8961% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 3,816 |
| Loan loss allowance to noncurrent loans | 202.5232% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 1,410 |
| Noncurrent loans to loans | 0.4665% | 1,712 |
| Net loans and leases to total assets | 84.7494% | 148 |
| Net loans and leases to deposits | 114.4709% | 65 |
| Net loans and leases to core deposits | 116.4636% | 237 |
| Total domestic deposits to total assets | 74.0358% | 4,530 |
| Equity capital to assets | 9.1719% | 2,262 |
| Core capital (leverage) ratio | 9.3800% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,639,667 | 3,247 |
| Average earning assets | $167,602,000 | 3,240 |
| Average equity | $17,054,667 | 3,319 |
| Average total loans | $152,644,667 | 2,617 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 234 |
| Cost of funding earning assets | 0.5757% | 303 |
| Net interest margin | 4.0935% | 342 |
| Noninterest income to average assets | 0.6898% | 1,345 |
| Noninterest expense to average assets | 3.1818% | 618 |
| Loan and lease loss provision to assets | 0.5162% | 91 |
| Net operating income to assets | 0.6852% | 3,111 |
| Return on assets (ROA) | 0.6852% | 3,100 |
| Pretax return on assets | 0.8086% | 3,092 |
| Return on Equity (ROE) | 7.0882% | 3,009 |
| Retained earnings to average equity (ytd only) | 7.0882% | 1,863 |
| Net charge-offs to loans | 0.1430% | 399 |
| Credit loss provision to net charge-offs | 426.4151% | 570 |
| Earnings coverage of net charge-offs (x) | 10.9434% | 1,448 |
| Efficiency ratio | 70.6031% | 2,142 |
| Assets per employee ($millions) | 5.2749% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 3,811 |
| Loan loss allowance to noncurrent loans | 122.7425% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.6669% | 871 |
| Noncurrent loans to loans | 0.7953% | 1,194 |
| Net loans and leases to total assets | 83.0280% | 122 |
| Net loans and leases to deposits | 113.8413% | 50 |
| Net loans and leases to core deposits | 115.5821% | 183 |
| Total domestic deposits to total assets | 72.9331% | 4,602 |
| Equity capital to assets | 9.4799% | 2,302 |
| Core capital (leverage) ratio | 10.0270% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,122,000 | 3,304 |
| Average earning assets | $163,282,000 | 3,297 |
| Average equity | $16,929,500 | 3,400 |
| Average total loans | $148,254,000 | 2,654 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 278 |
| Cost of funding earning assets | 0.6645% | 389 |
| Net interest margin | 4.2766% | 430 |
| Noninterest income to average assets | 1.0037% | 1,000 |
| Noninterest expense to average assets | 3.1348% | 805 |
| Loan and lease loss provision to assets | 0.0006% | 3,057 |
| Net operating income to assets | 1.4709% | 1,079 |
| Return on assets (ROA) | 1.4709% | 1,137 |
| Pretax return on assets | 1.8743% | 778 |
| Return on Equity (ROE) | 16.0672% | 750 |
| Retained earnings to average equity (ytd only) | 16.0672% | 171 |
| Net charge-offs to loans | -0.0336% | 4,165 |
| Credit loss provision to net charge-offs | -2.1277% | 3,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5754% | 2,781 |
| Assets per employee ($millions) | 5.6965% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 4,094 |
| Loan loss allowance to noncurrent loans | 121.2547% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 1,050 |
| Noncurrent loans to loans | 0.7309% | 1,391 |
| Net loans and leases to total assets | 84.7510% | 86 |
| Net loans and leases to deposits | 117.0004% | 47 |
| Net loans and leases to core deposits | 118.8876% | 170 |
| Total domestic deposits to total assets | 72.4365% | 4,633 |
| Equity capital to assets | 9.8639% | 2,787 |
| Core capital (leverage) ratio | 10.2698% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,067,000 | 3,281 |
| Average earning assets | $161,177,600 | 3,266 |
| Average equity | $15,752,600 | 3,564 |
| Average total loans | $139,780,400 | 2,729 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1074% | 250 |
| Cost of funding earning assets | 0.6916% | 398 |
| Net interest margin | 4.4158% | 368 |
| Noninterest income to average assets | 1.1046% | 918 |
| Noninterest expense to average assets | 3.0138% | 944 |
| Loan and lease loss provision to assets | -0.0540% | 4,470 |
| Net operating income to assets | 1.8210% | 638 |
| Return on assets (ROA) | 1.8210% | 666 |
| Pretax return on assets | 2.2890% | 474 |
| Return on Equity (ROE) | 20.2797% | 410 |
| Retained earnings to average equity (ytd only) | 20.2797% | 124 |
| Net charge-offs to loans | -0.0232% | 4,021 |
| Credit loss provision to net charge-offs | 291.6667% | 1,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4208% | 3,363 |
| Assets per employee ($millions) | 4.9568% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 4,142 |
| Loan loss allowance to noncurrent loans | 106.4716% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 1,121 |
| Noncurrent loans to loans | 0.8484% | 1,347 |
| Net loans and leases to total assets | 78.1815% | 393 |
| Net loans and leases to deposits | 112.3935% | 78 |
| Net loans and leases to core deposits | 114.3046% | 249 |
| Total domestic deposits to total assets | 69.5605% | 4,742 |
| Equity capital to assets | 9.9222% | 2,974 |
| Core capital (leverage) ratio | 10.4738% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,359,750 | 3,304 |
| Average earning assets | $161,746,750 | 3,287 |
| Average equity | $15,476,500 | 3,632 |
| Average total loans | $138,192,750 | 2,783 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0049% | 340 |
| Cost of funding earning assets | 0.7244% | 408 |
| Net interest margin | 4.2805% | 507 |
| Noninterest income to average assets | 1.0942% | 935 |
| Noninterest expense to average assets | 2.9925% | 1,001 |
| Loan and lease loss provision to assets | -0.0806% | 4,583 |
| Net operating income to assets | 1.7404% | 817 |
| Return on assets (ROA) | 1.7404% | 860 |
| Pretax return on assets | 2.2046% | 572 |
| Return on Equity (ROE) | 20.0646% | 452 |
| Retained earnings to average equity (ytd only) | 20.0646% | 155 |
| Net charge-offs to loans | -0.0300% | 4,155 |
| Credit loss provision to net charge-offs | 333.3333% | 841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4872% | 3,217 |
| Assets per employee ($millions) | 5.6146% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 4,318 |
| Loan loss allowance to noncurrent loans | 67.5691% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 0.9868% | 767 |
| Noncurrent loans to loans | 1.2320% | 974 |
| Net loans and leases to total assets | 79.4310% | 348 |
| Net loans and leases to deposits | 118.3811% | 59 |
| Net loans and leases to core deposits | 120.3326% | 214 |
| Total domestic deposits to total assets | 67.0976% | 4,806 |
| Equity capital to assets | 8.8318% | 3,944 |
| Core capital (leverage) ratio | 10.0581% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,636,000 | 3,304 |
| Average earning assets | $163,160,000 | 3,278 |
| Average equity | $15,061,333 | 3,675 |
| Average total loans | $139,936,667 | 2,782 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 732 |
| Cost of funding earning assets | 0.7968% | 353 |
| Net interest margin | 3.7465% | 1,240 |
| Noninterest income to average assets | 1.1417% | 930 |
| Noninterest expense to average assets | 2.9469% | 1,070 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3504% | 1,682 |
| Return on assets (ROA) | 1.3504% | 1,773 |
| Pretax return on assets | 1.7114% | 1,468 |
| Return on Equity (ROE) | 15.7184% | 1,075 |
| Retained earnings to average equity (ytd only) | 15.7184% | 551 |
| Net charge-offs to loans | -0.0609% | 4,472 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2612% | 2,567 |
| Assets per employee ($millions) | 5.3156% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 4,186 |
| Loan loss allowance to noncurrent loans | 110.1651% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 1,493 |
| Noncurrent loans to loans | 0.8067% | 1,648 |
| Net loans and leases to total assets | 78.2492% | 452 |
| Net loans and leases to deposits | 116.5131% | 87 |
| Net loans and leases to core deposits | 118.9454% | 254 |
| Total domestic deposits to total assets | 67.1591% | 4,818 |
| Equity capital to assets | 8.2638% | 4,317 |
| Core capital (leverage) ratio | 9.3555% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,620,000 | 3,327 |
| Average earning assets | $160,148,000 | 3,303 |
| Average equity | $14,658,000 | 3,723 |
| Average total loans | $137,950,000 | 2,810 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6544% | 980 |
| Cost of funding earning assets | 1.0111% | 572 |
| Net interest margin | 3.6433% | 1,999 |
| Noninterest income to average assets | 1.3479% | 639 |
| Noninterest expense to average assets | 3.2801% | 928 |
| Loan and lease loss provision to assets | 0.1341% | 2,682 |
| Net operating income to assets | 1.0626% | 2,056 |
| Return on assets (ROA) | 1.0626% | 2,193 |
| Pretax return on assets | 1.3453% | 1,835 |
| Return on Equity (ROE) | 12.0860% | 1,298 |
| Retained earnings to average equity (ytd only) | 12.0860% | 304 |
| Net charge-offs to loans | 0.0194% | 2,682 |
| Credit loss provision to net charge-offs | 820.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 90.4400% | 840 |
| Efficiency ratio | 68.9167% | 2,110 |
| Assets per employee ($millions) | 4.7209% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 4,087 |
| Loan loss allowance to noncurrent loans | 72.7963% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0672% | 873 |
| Noncurrent loans to loans | 1.2859% | 1,064 |
| Net loans and leases to total assets | 82.2162% | 279 |
| Net loans and leases to deposits | 116.1437% | 101 |
| Net loans and leases to core deposits | 119.5572% | 314 |
| Total domestic deposits to total assets | 70.7883% | 4,757 |
| Equity capital to assets | 8.9595% | 4,091 |
| Core capital (leverage) ratio | 9.3242% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,831,000 | 3,371 |
| Average earning assets | $143,113,000 | 3,346 |
| Average equity | $13,437,000 | 3,821 |
| Average total loans | $128,607,600 | 2,883 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4396% | 1,740 |
| Cost of funding earning assets | 1.0361% | 674 |
| Net interest margin | 3.4035% | 2,911 |
| Noninterest income to average assets | 1.1759% | 768 |
| Noninterest expense to average assets | 3.1939% | 1,080 |
| Loan and lease loss provision to assets | 0.1325% | 2,694 |
| Net operating income to assets | 0.8181% | 3,026 |
| Return on assets (ROA) | 0.8181% | 3,148 |
| Pretax return on assets | 1.0363% | 2,946 |
| Return on Equity (ROE) | 9.3526% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.3526% | 889 |
| Net charge-offs to loans | 0.0241% | 2,359 |
| Credit loss provision to net charge-offs | 652.1739% | 1,115 |
| Earnings coverage of net charge-offs (x) | 57.5217% | 1,117 |
| Efficiency ratio | 73.2078% | 1,493 |
| Assets per employee ($millions) | 5.0639% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 4,245 |
| Loan loss allowance to noncurrent loans | 44.7526% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.5966% | 512 |
| Noncurrent loans to loans | 1.8845% | 675 |
| Net loans and leases to total assets | 84.0056% | 277 |
| Net loans and leases to deposits | 128.7202% | 60 |
| Net loans and leases to core deposits | 132.6476% | 212 |
| Total domestic deposits to total assets | 65.2622% | 4,864 |
| Equity capital to assets | 8.1911% | 4,638 |
| Core capital (leverage) ratio | 9.1793% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,911,000 | 3,376 |
| Average earning assets | $141,302,000 | 3,355 |
| Average equity | $13,201,000 | 3,849 |
| Average total loans | $127,456,250 | 2,899 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4262% | 2,138 |
| Cost of funding earning assets | 1.0783% | 768 |
| Net interest margin | 3.3479% | 3,250 |
| Noninterest income to average assets | 1.0144% | 957 |
| Noninterest expense to average assets | 3.0348% | 1,496 |
| Loan and lease loss provision to assets | 0.0412% | 3,761 |
| Net operating income to assets | 0.8494% | 2,869 |
| Return on assets (ROA) | 0.8494% | 2,986 |
| Pretax return on assets | 1.0748% | 2,792 |
| Return on Equity (ROE) | 9.4795% | 2,161 |
| Retained earnings to average equity (ytd only) | 9.4795% | 881 |
| Net charge-offs to loans | 0.0310% | 2,105 |
| Credit loss provision to net charge-offs | 157.8947% | 2,088 |
| Earnings coverage of net charge-offs (x) | 42.7368% | 1,201 |
| Efficiency ratio | 73.1126% | 1,552 |
| Assets per employee ($millions) | 5.2029% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 4,384 |
| Loan loss allowance to noncurrent loans | 122.9190% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 2,252 |
| Noncurrent loans to loans | 0.6360% | 2,272 |
| Net loans and leases to total assets | 82.1782% | 400 |
| Net loans and leases to deposits | 126.0663% | 62 |
| Net loans and leases to core deposits | 129.9147% | 256 |
| Total domestic deposits to total assets | 65.1865% | 4,899 |
| Equity capital to assets | 8.0382% | 4,701 |
| Core capital (leverage) ratio | 9.0732% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,511,667 | 3,425 |
| Average earning assets | $136,324,333 | 3,400 |
| Average equity | $13,038,667 | 3,868 |
| Average total loans | $122,750,000 | 2,941 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 1,735 |
| Cost of funding earning assets | 1.1508% | 905 |
| Net interest margin | 3.5410% | 2,847 |
| Noninterest income to average assets | 0.6103% | 1,999 |
| Noninterest expense to average assets | 3.1491% | 1,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6162% | 3,555 |
| Return on assets (ROA) | 0.6162% | 3,610 |
| Pretax return on assets | 0.7791% | 3,470 |
| Return on Equity (ROE) | 6.4664% | 3,143 |
| Retained earnings to average equity (ytd only) | 6.4664% | 1,723 |
| Net charge-offs to loans | 0.0556% | 1,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 16.4375% | 1,529 |
| Efficiency ratio | 80.1659% | 1,124 |
| Assets per employee ($millions) | 4.7193% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 4,074 |
| Loan loss allowance to noncurrent loans | 167.3567% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 2,632 |
| Noncurrent loans to loans | 0.5435% | 2,636 |
| Net loans and leases to total assets | 83.6591% | 291 |
| Net loans and leases to deposits | 120.1417% | 76 |
| Net loans and leases to core deposits | 124.8092% | 351 |
| Total domestic deposits to total assets | 69.6337% | 4,865 |
| Equity capital to assets | 9.4791% | 4,238 |
| Core capital (leverage) ratio | 9.7331% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,021,000 | 3,518 |
| Average earning assets | $126,519,000 | 3,489 |
| Average equity | $12,866,500 | 3,891 |
| Average total loans | $115,175,500 | 3,010 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8293% | 1,953 |
| Cost of funding earning assets | 1.2004% | 1,021 |
| Net interest margin | 3.6290% | 3,041 |
| Noninterest income to average assets | 0.7082% | 1,785 |
| Noninterest expense to average assets | 3.2209% | 1,471 |
| Loan and lease loss provision to assets | 0.0040% | 3,923 |
| Net operating income to assets | 0.7090% | 3,846 |
| Return on assets (ROA) | 0.7090% | 3,907 |
| Pretax return on assets | 0.8963% | 3,753 |
| Return on Equity (ROE) | 7.2674% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.2674% | 1,270 |
| Net charge-offs to loans | 0.0121% | 3,254 |
| Credit loss provision to net charge-offs | 38.4615% | 3,214 |
| Earnings coverage of net charge-offs (x) | 87.2308% | 748 |
| Efficiency ratio | 78.1545% | 1,132 |
| Assets per employee ($millions) | 5.3273% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 3,847 |
| Loan loss allowance to noncurrent loans | 180.8475% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 2,631 |
| Noncurrent loans to loans | 0.5139% | 2,645 |
| Net loans and leases to total assets | 85.3998% | 210 |
| Net loans and leases to deposits | 121.8117% | 75 |
| Net loans and leases to core deposits | 127.2593% | 322 |
| Total domestic deposits to total assets | 70.1080% | 4,932 |
| Equity capital to assets | 9.5808% | 4,288 |
| Core capital (leverage) ratio | 9.7513% | 3,789 |
| Tier 1 risk-based capital ratio | 12.3334% | 4,172 |
| Total risk-based capital ratio | 13.3646% | 4,180 |
| Memoranda: | ||
| Average total assets | $125,957,200 | 3,619 |
| Average earning assets | $118,463,600 | 3,583 |
| Average equity | $12,287,800 | 3,963 |
| Average total loans | $107,378,200 | 3,127 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8503% | 1,970 |
| Cost of funding earning assets | 1.1878% | 1,066 |
| Net interest margin | 3.6625% | 3,053 |
| Noninterest income to average assets | 0.7002% | 1,785 |
| Noninterest expense to average assets | 3.2401% | 1,390 |
| Loan and lease loss provision to assets | 0.0054% | 3,767 |
| Net operating income to assets | 0.7152% | 3,967 |
| Return on assets (ROA) | 0.7152% | 4,034 |
| Pretax return on assets | 0.9021% | 3,870 |
| Return on Equity (ROE) | 7.2966% | 3,582 |
| Retained earnings to average equity (ytd only) | 7.2966% | 1,714 |
| Net charge-offs to loans | 0.0152% | 2,855 |
| Credit loss provision to net charge-offs | 41.6667% | 2,846 |
| Earnings coverage of net charge-offs (x) | 70.4150% | 944 |
| Efficiency ratio | 78.1201% | 1,094 |
| Assets per employee ($millions) | 5.4298% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 3,691 |
| Loan loss allowance to noncurrent loans | 334.7962% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 3,590 |
| Noncurrent loans to loans | 0.2921% | 3,487 |
| Net loans and leases to total assets | 82.9719% | 451 |
| Net loans and leases to deposits | 118.1257% | 106 |
| Net loans and leases to core deposits | 123.2885% | 429 |
| Total domestic deposits to total assets | 70.2403% | 4,985 |
| Equity capital to assets | 9.6183% | 4,368 |
| Core capital (leverage) ratio | 9.9154% | 3,723 |
| Tier 1 risk-based capital ratio | 12.7561% | 3,983 |
| Total risk-based capital ratio | 13.8429% | 3,962 |
| Memoranda: | ||
| Average total assets | $124,150,750 | 3,676 |
| Average earning assets | $116,855,500 | 3,638 |
| Average equity | $12,169,750 | 4,010 |
| Average total loans | $105,521,500 | 3,187 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8488% | 1,912 |
| Cost of funding earning assets | 1.1560% | 1,117 |
| Net interest margin | 3.6927% | 2,953 |
| Noninterest income to average assets | 0.6601% | 1,873 |
| Noninterest expense to average assets | 3.2941% | 1,294 |
| Loan and lease loss provision to assets | 0.0082% | 3,573 |
| Net operating income to assets | 0.6618% | 4,125 |
| Return on assets (ROA) | 0.6618% | 4,180 |
| Pretax return on assets | 0.8321% | 4,018 |
| Return on Equity (ROE) | 6.7063% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.7063% | 1,947 |
| Net charge-offs to loans | 0.0518% | 1,905 |
| Credit loss provision to net charge-offs | 18.5185% | 2,664 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,836 |
| Efficiency ratio | 79.6751% | 993 |
| Assets per employee ($millions) | 4.5048% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,628 |
| Loan loss allowance to noncurrent loans | 563.1016% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 3,992 |
| Noncurrent loans to loans | 0.1775% | 3,920 |
| Net loans and leases to total assets | 85.7486% | 232 |
| Net loans and leases to deposits | 122.3069% | 69 |
| Net loans and leases to core deposits | 128.0460% | 352 |
| Total domestic deposits to total assets | 70.1093% | 5,044 |
| Equity capital to assets | 10.0913% | 3,896 |
| Core capital (leverage) ratio | 10.1901% | 3,391 |
| Tier 1 risk-based capital ratio | 12.9756% | 3,849 |
| Total risk-based capital ratio | 14.0889% | 3,827 |
| Memoranda: | ||
| Average total assets | $122,096,330 | 3,724 |
| Average earning assets | $114,874,000 | 3,691 |
| Average equity | $12,048,330 | 4,038 |
| Average total loans | $104,298,000 | 3,221 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 1,831 |
| Cost of funding earning assets | 1.1292% | 1,095 |
| Net interest margin | 3.6967% | 2,906 |
| Noninterest income to average assets | 0.4970% | 2,567 |
| Noninterest expense to average assets | 3.2404% | 1,406 |
| Loan and lease loss provision to assets | 0.0163% | 3,223 |
| Net operating income to assets | 0.5820% | 4,296 |
| Return on assets (ROA) | 0.5820% | 4,331 |
| Pretax return on assets | 0.7194% | 4,255 |
| Return on Equity (ROE) | 5.9654% | 4,029 |
| Retained earnings to average equity (ytd only) | 5.9654% | 2,467 |
| Net charge-offs to loans | 0.0193% | 2,077 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,084 |
| Efficiency ratio | 81.4967% | 923 |
| Assets per employee ($millions) | 4.5361% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 3,592 |
| Loan loss allowance to noncurrent loans | 509.4787% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 3,963 |
| Noncurrent loans to loans | 0.1997% | 3,875 |
| Net loans and leases to total assets | 85.3953% | 243 |
| Net loans and leases to deposits | 120.2951% | 83 |
| Net loans and leases to core deposits | 125.7978% | 385 |
| Total domestic deposits to total assets | 70.9881% | 5,079 |
| Equity capital to assets | 9.8266% | 3,989 |
| Core capital (leverage) ratio | 9.9732% | 3,634 |
| Tier 1 risk-based capital ratio | 12.8499% | 3,955 |
| Total risk-based capital ratio | 13.9965% | 3,910 |
| Memoranda: | ||
| Average total assets | $122,329,500 | 3,761 |
| Average earning assets | $115,130,000 | 3,729 |
| Average equity | $11,935,500 | 4,064 |
| Average total loans | $103,772,500 | 3,259 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 2,109 |
| Cost of funding earning assets | 0.9316% | 990 |
| Net interest margin | 3.6788% | 3,120 |
| Noninterest income to average assets | 0.6258% | 2,165 |
| Noninterest expense to average assets | 3.1946% | 1,567 |
| Loan and lease loss provision to assets | 0.0302% | 3,585 |
| Net operating income to assets | 0.6974% | 4,143 |
| Return on assets (ROA) | 0.6974% | 4,146 |
| Pretax return on assets | 0.8640% | 3,991 |
| Return on Equity (ROE) | 7.0796% | 3,796 |
| Retained earnings to average equity (ytd only) | 7.0796% | 1,636 |
| Net charge-offs to loans | -0.0242% | 4,748 |
| Credit loss provision to net charge-offs | -145.8333% | 4,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1296% | 1,116 |
| Assets per employee ($millions) | 4.5254% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,348 |
| Loan loss allowance to noncurrent loans | 330.7692% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 3,519 |
| Noncurrent loans to loans | 0.3190% | 3,408 |
| Net loans and leases to total assets | 82.5044% | 589 |
| Net loans and leases to deposits | 113.7980% | 168 |
| Net loans and leases to core deposits | 118.8311% | 587 |
| Total domestic deposits to total assets | 72.5007% | 5,044 |
| Equity capital to assets | 9.6870% | 3,971 |
| Core capital (leverage) ratio | 10.1341% | 3,416 |
| Tier 1 risk-based capital ratio | 12.9751% | 3,855 |
| Total risk-based capital ratio | 14.1503% | 3,791 |
| Memoranda: | ||
| Average total assets | $115,852,800 | 3,855 |
| Average earning assets | $109,056,600 | 3,821 |
| Average equity | $11,413,000 | 4,097 |
| Average total loans | $99,225,000 | 3,306 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5763% | 2,053 |
| Cost of funding earning assets | 0.9103% | 882 |
| Net interest margin | 3.6660% | 3,141 |
| Noninterest income to average assets | 0.6207% | 2,203 |
| Noninterest expense to average assets | 3.2320% | 1,454 |
| Loan and lease loss provision to assets | 0.0350% | 3,308 |
| Net operating income to assets | 0.6546% | 4,354 |
| Return on assets (ROA) | 0.6546% | 4,370 |
| Pretax return on assets | 0.8028% | 4,283 |
| Return on Equity (ROE) | 6.6150% | 4,071 |
| Retained earnings to average equity (ytd only) | 6.6150% | 2,326 |
| Net charge-offs to loans | -0.0311% | 4,767 |
| Credit loss provision to net charge-offs | -130.4348% | 4,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4151% | 997 |
| Assets per employee ($millions) | 4.2776% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 3,367 |
| Loan loss allowance to noncurrent loans | 163.7060% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 2,494 |
| Noncurrent loans to loans | 0.6523% | 2,456 |
| Net loans and leases to total assets | 85.7450% | 291 |
| Net loans and leases to deposits | 121.8091% | 88 |
| Net loans and leases to core deposits | 125.7949% | 412 |
| Total domestic deposits to total assets | 70.3929% | 5,198 |
| Equity capital to assets | 10.0064% | 3,640 |
| Core capital (leverage) ratio | 10.1304% | 3,489 |
| Tier 1 risk-based capital ratio | 12.9787% | 3,921 |
| Total risk-based capital ratio | 14.1724% | 3,857 |
| Memoranda: | ||
| Average total assets | $114,269,750 | 3,922 |
| Average earning assets | $107,507,500 | 3,889 |
| Average equity | $11,307,250 | 4,154 |
| Average total loans | $98,560,500 | 3,349 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5126% | 2,053 |
| Cost of funding earning assets | 0.8790% | 798 |
| Net interest margin | 3.6336% | 3,189 |
| Noninterest income to average assets | 0.6394% | 2,141 |
| Noninterest expense to average assets | 3.2373% | 1,458 |
| Loan and lease loss provision to assets | 0.0263% | 3,388 |
| Net operating income to assets | 0.6605% | 4,320 |
| Return on assets (ROA) | 0.6605% | 4,323 |
| Pretax return on assets | 0.7957% | 4,258 |
| Return on Equity (ROE) | 6.6999% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.6999% | 2,209 |
| Net charge-offs to loans | -0.0245% | 4,655 |
| Credit loss provision to net charge-offs | -125.0000% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7490% | 1,040 |
| Assets per employee ($millions) | 4.4378% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,509 |
| Loan loss allowance to noncurrent loans | 225.2700% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4013% | 3,128 |
| Noncurrent loans to loans | 0.4684% | 3,030 |
| Net loans and leases to total assets | 84.7732% | 376 |
| Net loans and leases to deposits | 118.6950% | 122 |
| Net loans and leases to core deposits | 122.5328% | 503 |
| Total domestic deposits to total assets | 71.4210% | 5,214 |
| Equity capital to assets | 9.8742% | 3,747 |
| Core capital (leverage) ratio | 10.0097% | 3,573 |
| Tier 1 risk-based capital ratio | 12.9026% | 3,950 |
| Total risk-based capital ratio | 14.0793% | 3,904 |
| Memoranda: | ||
| Average total assets | $113,861,000 | 3,952 |
| Average earning assets | $107,166,330 | 3,927 |
| Average equity | $11,224,000 | 4,200 |
| Average total loans | $98,047,000 | 3,371 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5076% | 1,845 |
| Cost of funding earning assets | 0.8564% | 745 |
| Net interest margin | 3.6511% | 2,984 |
| Noninterest income to average assets | 0.6932% | 1,861 |
| Noninterest expense to average assets | 3.2608% | 1,429 |
| Loan and lease loss provision to assets | 0.0248% | 3,197 |
| Net operating income to assets | 0.7356% | 3,962 |
| Return on assets (ROA) | 0.7356% | 3,967 |
| Pretax return on assets | 0.8453% | 4,035 |
| Return on Equity (ROE) | 7.4689% | 3,605 |
| Retained earnings to average equity (ytd only) | 7.4689% | 2,070 |
| Net charge-offs to loans | -0.0287% | 4,718 |
| Credit loss provision to net charge-offs | -100.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9384% | 1,263 |
| Assets per employee ($millions) | 4.2150% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,683 |
| Loan loss allowance to noncurrent loans | 297.6879% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 3,627 |
| Noncurrent loans to loans | 0.3516% | 3,511 |
| Net loans and leases to total assets | 85.5576% | 294 |
| Net loans and leases to deposits | 118.2526% | 131 |
| Net loans and leases to core deposits | 121.5353% | 540 |
| Total domestic deposits to total assets | 72.3516% | 5,263 |
| Equity capital to assets | 9.8696% | 3,733 |
| Core capital (leverage) ratio | 10.0036% | 3,535 |
| Tier 1 risk-based capital ratio | 12.9529% | 3,975 |
| Total risk-based capital ratio | 14.1368% | 3,905 |
| Memoranda: | ||
| Average total assets | $113,100,500 | 4,010 |
| Average earning assets | $106,488,000 | 3,977 |
| Average equity | $11,139,500 | 4,258 |
| Average total loans | $97,642,500 | 3,404 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 1,967 |
| Cost of funding earning assets | 0.7175% | 935 |
| Net interest margin | 3.7037% | 2,778 |
| Noninterest income to average assets | 0.7494% | 1,776 |
| Noninterest expense to average assets | 3.4278% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5200% | 4,324 |
| Return on assets (ROA) | 0.5200% | 4,360 |
| Pretax return on assets | 0.8001% | 4,242 |
| Return on Equity (ROE) | 5.0469% | 4,140 |
| Retained earnings to average equity (ytd only) | 5.0469% | 2,093 |
| Net charge-offs to loans | 0.0256% | 3,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 36.3913% | 1,343 |
| Efficiency ratio | 81.0762% | 1,006 |
| Assets per employee ($millions) | 4.1629% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,632 |
| Loan loss allowance to noncurrent loans | 223.7885% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 3,244 |
| Noncurrent loans to loans | 0.4686% | 3,099 |
| Net loans and leases to total assets | 85.2968% | 314 |
| Net loans and leases to deposits | 118.0169% | 127 |
| Net loans and leases to core deposits | 121.1487% | 554 |
| Total domestic deposits to total assets | 72.2751% | 5,305 |
| Equity capital to assets | 9.8286% | 3,891 |
| Core capital (leverage) ratio | 10.0110% | 3,448 |
| Tier 1 risk-based capital ratio | 12.9315% | 3,943 |
| Total risk-based capital ratio | 14.1194% | 3,883 |
| Memoranda: | ||
| Average total assets | $104,614,000 | 4,156 |
| Average earning assets | $98,251,800 | 4,124 |
| Average equity | $10,778,800 | 4,337 |
| Average total loans | $89,709,800 | 3,532 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 2,042 |
| Cost of funding earning assets | 0.6866% | 1,029 |
| Net interest margin | 3.6863% | 2,799 |
| Noninterest income to average assets | 0.7662% | 1,709 |
| Noninterest expense to average assets | 3.4310% | 1,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5208% | 4,678 |
| Return on assets (ROA) | 0.5208% | 4,704 |
| Pretax return on assets | 0.7935% | 4,367 |
| Return on Equity (ROE) | 4.9912% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.9912% | 2,893 |
| Net charge-offs to loans | 0.0409% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 22.6292% | 1,851 |
| Efficiency ratio | 81.2173% | 979 |
| Assets per employee ($millions) | 4.0085% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 3,550 |
| Loan loss allowance to noncurrent loans | 215.7783% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 2,878 |
| Noncurrent loans to loans | 0.5049% | 3,187 |
| Net loans and leases to total assets | 84.8942% | 349 |
| Net loans and leases to deposits | 117.6333% | 128 |
| Net loans and leases to core deposits | 121.2790% | 545 |
| Total domestic deposits to total assets | 72.1685% | 5,364 |
| Equity capital to assets | 10.0859% | 3,821 |
| Core capital (leverage) ratio | 10.2394% | 3,264 |
| Tier 1 risk-based capital ratio | 13.4189% | 3,749 |
| Total risk-based capital ratio | 14.6627% | 3,675 |
| Memoranda: | ||
| Average total assets | $102,668,250 | 4,234 |
| Average earning assets | $96,318,750 | 4,198 |
| Average equity | $10,711,750 | 4,386 |
| Average total loans | $87,915,500 | 3,600 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3526% | 1,967 |
| Cost of funding earning assets | 0.6369% | 1,217 |
| Net interest margin | 3.7157% | 2,597 |
| Noninterest income to average assets | 0.7935% | 1,591 |
| Noninterest expense to average assets | 3.4301% | 1,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5555% | 4,496 |
| Return on assets (ROA) | 0.5555% | 4,540 |
| Pretax return on assets | 0.8471% | 4,105 |
| Return on Equity (ROE) | 5.2613% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.2613% | 2,543 |
| Net charge-offs to loans | -0.0023% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1948% | 1,191 |
| Assets per employee ($millions) | 4.0242% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 3,249 |
| Loan loss allowance to noncurrent loans | 177.4744% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 2,896 |
| Noncurrent loans to loans | 0.6535% | 2,785 |
| Net loans and leases to total assets | 84.7058% | 375 |
| Net loans and leases to deposits | 114.5054% | 189 |
| Net loans and leases to core deposits | 118.0956% | 638 |
| Total domestic deposits to total assets | 73.9754% | 5,293 |
| Equity capital to assets | 10.3185% | 3,550 |
| Core capital (leverage) ratio | 10.3464% | 3,077 |
| Tier 1 risk-based capital ratio | 13.7515% | 3,562 |
| Total risk-based capital ratio | 15.0022% | 3,476 |
| Memoranda: | ||
| Average total assets | $100,814,330 | 4,293 |
| Average earning assets | $94,519,000 | 4,257 |
| Average equity | $10,643,670 | 4,417 |
| Average total loans | $86,256,330 | 3,650 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 2,275 |
| Cost of funding earning assets | 0.5873% | 1,460 |
| Net interest margin | 3.6148% | 2,833 |
| Noninterest income to average assets | 0.7320% | 1,816 |
| Noninterest expense to average assets | 3.4254% | 1,147 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4529% | 4,767 |
| Return on assets (ROA) | 0.4529% | 4,788 |
| Pretax return on assets | 0.6916% | 4,480 |
| Return on Equity (ROE) | 4.2394% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.2394% | 3,324 |
| Net charge-offs to loans | 0.0142% | 2,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 835 |
| Efficiency ratio | 83.2024% | 1,044 |
| Assets per employee ($millions) | 4.0721% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 3,238 |
| Loan loss allowance to noncurrent loans | 107.2464% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 1,935 |
| Noncurrent loans to loans | 1.1029% | 1,854 |
| Net loans and leases to total assets | 85.0180% | 285 |
| Net loans and leases to deposits | 112.9896% | 161 |
| Net loans and leases to core deposits | 117.0449% | 557 |
| Total domestic deposits to total assets | 75.2441% | 5,313 |
| Equity capital to assets | 10.4369% | 3,251 |
| Core capital (leverage) ratio | 10.8344% | 2,565 |
| Tier 1 risk-based capital ratio | 13.8936% | 3,544 |
| Total risk-based capital ratio | 15.1445% | 3,458 |
| Memoranda: | ||
| Average total assets | $98,907,500 | 4,370 |
| Average earning assets | $92,619,500 | 4,340 |
| Average equity | $10,567,500 | 4,454 |
| Average total loans | $84,551,500 | 3,713 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 2,044 |
| Cost of funding earning assets | 0.5606% | 1,603 |
| Net interest margin | 3.7701% | 2,432 |
| Noninterest income to average assets | 1.0088% | 1,122 |
| Noninterest expense to average assets | 3.9041% | 686 |
| Loan and lease loss provision to assets | 0.0298% | 3,757 |
| Net operating income to assets | 0.3738% | 5,022 |
| Return on assets (ROA) | 0.3738% | 5,103 |
| Pretax return on assets | 0.5821% | 4,832 |
| Return on Equity (ROE) | 3.2887% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.2887% | 3,573 |
| Net charge-offs to loans | 0.0703% | 2,692 |
| Credit loss provision to net charge-offs | 50.0000% | 3,375 |
| Earnings coverage of net charge-offs (x) | 10.2778% | 2,657 |
| Efficiency ratio | 86.4502% | 786 |
| Assets per employee ($millions) | 3.6928% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 2,681 |
| Loan loss allowance to noncurrent loans | 112.4459% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.9624% | 1,966 |
| Noncurrent loans to loans | 1.1335% | 1,811 |
| Net loans and leases to total assets | 83.8199% | 399 |
| Net loans and leases to deposits | 107.0186% | 302 |
| Net loans and leases to core deposits | 110.8940% | 839 |
| Total domestic deposits to total assets | 78.3227% | 4,927 |
| Equity capital to assets | 10.9464% | 2,671 |
| Core capital (leverage) ratio | 10.9527% | 2,387 |
| Tier 1 risk-based capital ratio | 14.5020% | 3,194 |
| Total risk-based capital ratio | 15.7541% | 3,125 |
| Memoranda: | ||
| Average total assets | $90,700,400 | 4,532 |
| Average earning assets | $84,375,200 | 4,512 |
| Average equity | $10,308,000 | 4,520 |
| Average total loans | $76,843,800 | 3,879 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 1,903 |
| Cost of funding earning assets | 0.5445% | 1,753 |
| Net interest margin | 3.8418% | 2,188 |
| Noninterest income to average assets | 1.0607% | 1,013 |
| Noninterest expense to average assets | 4.0414% | 554 |
| Loan and lease loss provision to assets | 0.0403% | 3,434 |
| Net operating income to assets | 0.3521% | 5,162 |
| Return on assets (ROA) | 0.3521% | 5,241 |
| Pretax return on assets | 0.5475% | 5,013 |
| Return on Equity (ROE) | 3.0676% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.0676% | 4,076 |
| Net charge-offs to loans | 0.1039% | 1,909 |
| Credit loss provision to net charge-offs | 45.7627% | 3,089 |
| Earnings coverage of net charge-offs (x) | 6.6784% | 2,975 |
| Efficiency ratio | 87.3026% | 719 |
| Assets per employee ($millions) | 3.7038% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,734 |
| Loan loss allowance to noncurrent loans | 402.3346% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 4,366 |
| Noncurrent loans to loans | 0.3210% | 4,103 |
| Net loans and leases to total assets | 82.0623% | 610 |
| Net loans and leases to deposits | 104.8007% | 420 |
| Net loans and leases to core deposits | 108.5790% | 1,012 |
| Total domestic deposits to total assets | 78.3032% | 4,853 |
| Equity capital to assets | 10.8141% | 3,228 |
| Core capital (leverage) ratio | 11.1965% | 2,271 |
| Tier 1 risk-based capital ratio | 14.6367% | 3,218 |
| Total risk-based capital ratio | 15.8890% | 3,161 |
| Memoranda: | ||
| Average total assets | $89,372,250 | 4,594 |
| Average earning assets | $83,015,250 | 4,570 |
| Average equity | $10,257,500 | 4,574 |
| Average total loans | $75,675,500 | 3,939 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 1,896 |
| Cost of funding earning assets | 0.5256% | 1,895 |
| Net interest margin | 3.8500% | 2,139 |
| Noninterest income to average assets | 0.9602% | 1,217 |
| Noninterest expense to average assets | 4.2061% | 488 |
| Loan and lease loss provision to assets | 0.0459% | 3,228 |
| Net operating income to assets | 0.1608% | 5,595 |
| Return on assets (ROA) | 0.1608% | 5,644 |
| Pretax return on assets | 0.2757% | 5,534 |
| Return on Equity (ROE) | 1.3718% | 5,633 |
| Retained earnings to average equity (ytd only) | 1.3718% | 4,835 |
| Net charge-offs to loans | 0.0943% | 1,901 |
| Credit loss provision to net charge-offs | 57.1429% | 2,603 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,034 |
| Efficiency ratio | 92.8970% | 455 |
| Assets per employee ($millions) | 3.4281% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 2,337 |
| Loan loss allowance to noncurrent loans | 216.2551% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 3,391 |
| Noncurrent loans to loans | 0.6431% | 3,146 |
| Net loans and leases to total assets | 83.6084% | 452 |
| Net loans and leases to deposits | 107.3233% | 320 |
| Net loans and leases to core deposits | 111.9623% | 814 |
| Total domestic deposits to total assets | 77.9033% | 5,018 |
| Equity capital to assets | 11.4988% | 2,553 |
| Core capital (leverage) ratio | 11.3728% | 2,082 |
| Tier 1 risk-based capital ratio | 15.4347% | 2,887 |
| Total risk-based capital ratio | 16.6893% | 2,819 |
| Memoranda: | ||
| Average total assets | $87,063,000 | 4,673 |
| Average earning assets | $80,675,000 | 4,651 |
| Average equity | $10,205,330 | 4,611 |
| Average total loans | $74,214,000 | 3,994 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 1,812 |
| Cost of funding earning assets | 0.5024% | 2,086 |
| Net interest margin | 3.8934% | 1,953 |
| Noninterest income to average assets | 0.8230% | 1,546 |
| Noninterest expense to average assets | 4.2637% | 468 |
| Loan and lease loss provision to assets | 0.0465% | 2,986 |
| Net operating income to assets | 0.0604% | 5,729 |
| Return on assets (ROA) | 0.0604% | 5,768 |
| Pretax return on assets | 0.1162% | 5,725 |
| Return on Equity (ROE) | 0.5106% | 5,769 |
| Retained earnings to average equity (ytd only) | 0.5106% | 4,989 |
| Net charge-offs to loans | 0.1360% | 1,294 |
| Credit loss provision to net charge-offs | 40.0000% | 2,147 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 2,823 |
| Efficiency ratio | 96.3235% | 390 |
| Assets per employee ($millions) | 3.3501% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 2,355 |
| Loan loss allowance to noncurrent loans | 327.4143% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 3,560 |
| Noncurrent loans to loans | 0.4324% | 3,888 |
| Net loans and leases to total assets | 84.0132% | 372 |
| Net loans and leases to deposits | 108.0932% | 278 |
| Net loans and leases to core deposits | 111.5961% | 772 |
| Total domestic deposits to total assets | 77.7229% | 5,192 |
| Equity capital to assets | 11.6999% | 2,245 |
| Core capital (leverage) ratio | 11.7910% | 1,756 |
| Tier 1 risk-based capital ratio | 15.4325% | 2,955 |
| Total risk-based capital ratio | 16.6864% | 2,887 |
| Memoranda: | ||
| Average total assets | $86,029,000 | 4,731 |
| Average earning assets | $79,621,000 | 4,715 |
| Average equity | $10,183,500 | 4,634 |
| Average total loans | $73,535,000 | 4,036 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 2,029 |
| Cost of funding earning assets | 0.5062% | 2,105 |
| Net interest margin | 3.8522% | 2,195 |
| Noninterest income to average assets | 1.3258% | 683 |
| Noninterest expense to average assets | 4.0606% | 619 |
| Loan and lease loss provision to assets | 0.0820% | 2,654 |
| Net operating income to assets | 0.4579% | 4,851 |
| Return on assets (ROA) | 0.4579% | 4,932 |
| Pretax return on assets | 0.7215% | 4,467 |
| Return on Equity (ROE) | 3.9434% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.9434% | 3,233 |
| Net charge-offs to loans | -0.0599% | 5,612 |
| Credit loss provision to net charge-offs | -162.7907% | 5,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4818% | 1,226 |
| Assets per employee ($millions) | 3.5398% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 2,166 |
| Loan loss allowance to noncurrent loans | 315.3846% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5438% | 3,474 |
| Noncurrent loans to loans | 0.4640% | 3,804 |
| Net loans and leases to total assets | 84.4859% | 347 |
| Net loans and leases to deposits | 108.5756% | 279 |
| Net loans and leases to core deposits | 111.7712% | 786 |
| Total domestic deposits to total assets | 77.8130% | 5,203 |
| Equity capital to assets | 11.9781% | 1,965 |
| Core capital (leverage) ratio | 11.8462% | 1,730 |
| Tier 1 risk-based capital ratio | 15.7301% | 2,812 |
| Total risk-based capital ratio | 16.9850% | 2,749 |
| Memoranda: | ||
| Average total assets | $85,382,200 | 4,759 |
| Average earning assets | $78,423,600 | 4,753 |
| Average equity | $9,915,200 | 4,672 |
| Average total loans | $71,819,800 | 4,049 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 2,043 |
| Cost of funding earning assets | 0.5037% | 2,177 |
| Net interest margin | 3.8579% | 2,161 |
| Noninterest income to average assets | 1.1479% | 906 |
| Noninterest expense to average assets | 4.1236% | 577 |
| Loan and lease loss provision to assets | 0.0936% | 2,294 |
| Net operating income to assets | 0.2901% | 5,481 |
| Return on assets (ROA) | 0.2901% | 5,556 |
| Pretax return on assets | 0.4663% | 5,304 |
| Return on Equity (ROE) | 2.5177% | 5,549 |
| Retained earnings to average equity (ytd only) | 2.5177% | 4,620 |
| Net charge-offs to loans | -0.0708% | 5,662 |
| Credit loss provision to net charge-offs | -157.8947% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0453% | 838 |
| Assets per employee ($millions) | 3.4102% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 2,355 |
| Loan loss allowance to noncurrent loans | 296.8927% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 1.4873% | 1,512 |
| Noncurrent loans to loans | 0.4895% | 3,883 |
| Net loans and leases to total assets | 83.5963% | 418 |
| Net loans and leases to deposits | 109.2612% | 269 |
| Net loans and leases to core deposits | 112.0738% | 758 |
| Total domestic deposits to total assets | 76.5105% | 5,415 |
| Equity capital to assets | 11.6990% | 2,352 |
| Core capital (leverage) ratio | 11.6324% | 1,936 |
| Tier 1 risk-based capital ratio | 15.0766% | 3,259 |
| Total risk-based capital ratio | 16.3313% | 3,191 |
| Memoranda: | ||
| Average total assets | $85,489,000 | 4,811 |
| Average earning assets | $78,348,500 | 4,813 |
| Average equity | $9,850,000 | 4,738 |
| Average total loans | $71,564,500 | 4,094 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3572% | 1,987 |
| Cost of funding earning assets | 0.4949% | 2,296 |
| Net interest margin | 3.8623% | 2,097 |
| Noninterest income to average assets | 0.9466% | 1,309 |
| Noninterest expense to average assets | 4.1698% | 566 |
| Loan and lease loss provision to assets | 0.1052% | 2,075 |
| Net operating income to assets | 0.1215% | 5,848 |
| Return on assets (ROA) | 0.1215% | 5,896 |
| Pretax return on assets | 0.2104% | 5,796 |
| Return on Equity (ROE) | 1.0603% | 5,894 |
| Retained earnings to average equity (ytd only) | 1.0603% | 5,147 |
| Net charge-offs to loans | -0.1010% | 5,795 |
| Credit loss provision to net charge-offs | -125.0000% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9651% | 580 |
| Assets per employee ($millions) | 3.3943% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 2,518 |
| Loan loss allowance to noncurrent loans | 129.7365% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.9963% | 1,107 |
| Noncurrent loans to loans | 1.1162% | 2,417 |
| Net loans and leases to total assets | 82.9254% | 480 |
| Net loans and leases to deposits | 106.7881% | 346 |
| Net loans and leases to core deposits | 109.5068% | 860 |
| Total domestic deposits to total assets | 77.6542% | 5,348 |
| Equity capital to assets | 11.5901% | 2,340 |
| Core capital (leverage) ratio | 11.3834% | 2,084 |
| Tier 1 risk-based capital ratio | 14.9153% | 3,405 |
| Total risk-based capital ratio | 16.1689% | 3,335 |
| Memoranda: | ||
| Average total assets | $85,567,000 | 4,862 |
| Average earning assets | $78,399,000 | 4,861 |
| Average equity | $9,808,670 | 4,784 |
| Average total loans | $71,312,330 | 4,128 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2845% | 2,149 |
| Cost of funding earning assets | 0.4778% | 2,472 |
| Net interest margin | 3.8068% | 2,207 |
| Noninterest income to average assets | 0.9171% | 1,332 |
| Noninterest expense to average assets | 4.1526% | 582 |
| Loan and lease loss provision to assets | 0.1024% | 1,987 |
| Net operating income to assets | 0.0791% | 5,915 |
| Return on assets (ROA) | 0.0791% | 5,963 |
| Pretax return on assets | 0.1490% | 5,898 |
| Return on Equity (ROE) | 0.6942% | 5,963 |
| Retained earnings to average equity (ytd only) | 0.6942% | 5,172 |
| Net charge-offs to loans | 0.0225% | 2,701 |
| Credit loss provision to net charge-offs | 550.0000% | 504 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 1,723 |
| Efficiency ratio | 94.2918% | 582 |
| Assets per employee ($millions) | 3.8377% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 3,174 |
| Loan loss allowance to noncurrent loans | 117.2705% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 2.0732% | 1,124 |
| Noncurrent loans to loans | 1.1456% | 2,479 |
| Net loans and leases to total assets | 80.7847% | 595 |
| Net loans and leases to deposits | 101.4974% | 485 |
| Net loans and leases to core deposits | 104.3141% | 1,045 |
| Total domestic deposits to total assets | 79.5928% | 5,144 |
| Equity capital to assets | 11.1071% | 2,854 |
| Core capital (leverage) ratio | 11.5200% | 1,989 |
| Tier 1 risk-based capital ratio | 14.4732% | 3,737 |
| Total risk-based capital ratio | 15.7251% | 3,656 |
| Memoranda: | ||
| Average total assets | $85,922,000 | 4,906 |
| Average earning assets | $78,701,500 | 4,900 |
| Average equity | $9,795,500 | 4,827 |
| Average total loans | $71,267,500 | 4,153 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 2,477 |
| Cost of funding earning assets | 0.5013% | 2,664 |
| Net interest margin | 3.8337% | 2,498 |
| Noninterest income to average assets | 1.0313% | 1,150 |
| Noninterest expense to average assets | 4.1205% | 668 |
| Loan and lease loss provision to assets | 0.0944% | 2,577 |
| Net operating income to assets | 0.1924% | 5,779 |
| Return on assets (ROA) | 0.1924% | 5,832 |
| Pretax return on assets | 0.3167% | 5,670 |
| Return on Equity (ROE) | 1.6608% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.6608% | 4,982 |
| Net charge-offs to loans | 0.3319% | 1,331 |
| Credit loss provision to net charge-offs | 35.4260% | 3,756 |
| Earnings coverage of net charge-offs (x) | 1.5426% | 4,398 |
| Efficiency ratio | 90.9283% | 787 |
| Assets per employee ($millions) | 3.4823% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 3,149 |
| Loan loss allowance to noncurrent loans | 118.9763% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 2.3344% | 1,009 |
| Noncurrent loans to loans | 1.1401% | 2,562 |
| Net loans and leases to total assets | 82.9233% | 437 |
| Net loans and leases to deposits | 105.9613% | 357 |
| Net loans and leases to core deposits | 108.2689% | 876 |
| Total domestic deposits to total assets | 78.2581% | 5,387 |
| Equity capital to assets | 11.7103% | 2,243 |
| Core capital (leverage) ratio | 11.7103% | 1,818 |
| Tier 1 risk-based capital ratio | 14.5594% | 3,744 |
| Total risk-based capital ratio | 15.8120% | 3,673 |
| Memoranda: | ||
| Average total assets | $83,680,000 | 4,966 |
| Average earning assets | $76,402,000 | 4,973 |
| Average equity | $9,694,400 | 4,818 |
| Average total loans | $67,187,000 | 4,259 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 2,625 |
| Cost of funding earning assets | 0.5060% | 2,698 |
| Net interest margin | 3.7967% | 2,632 |
| Noninterest income to average assets | 1.0337% | 1,148 |
| Noninterest expense to average assets | 4.1605% | 638 |
| Loan and lease loss provision to assets | 0.0446% | 3,503 |
| Net operating income to assets | 0.1768% | 5,889 |
| Return on assets (ROA) | 0.1768% | 5,930 |
| Pretax return on assets | 0.2947% | 5,787 |
| Return on Equity (ROE) | 1.5303% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.5303% | 5,280 |
| Net charge-offs to loans | 0.3593% | 1,123 |
| Credit loss provision to net charge-offs | 15.6425% | 3,624 |
| Earnings coverage of net charge-offs (x) | 1.1899% | 4,209 |
| Efficiency ratio | 92.4602% | 675 |
| Assets per employee ($millions) | 3.6965% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 3,402 |
| Loan loss allowance to noncurrent loans | 114.8058% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 2.2442% | 1,224 |
| Noncurrent loans to loans | 1.1752% | 2,713 |
| Net loans and leases to total assets | 81.3548% | 573 |
| Net loans and leases to deposits | 105.2290% | 356 |
| Net loans and leases to core deposits | 107.9250% | 859 |
| Total domestic deposits to total assets | 77.3121% | 5,625 |
| Equity capital to assets | 11.4504% | 2,532 |
| Core capital (leverage) ratio | 11.4525% | 2,099 |
| Tier 1 risk-based capital ratio | 14.4145% | 3,931 |
| Total risk-based capital ratio | 15.6669% | 3,879 |
| Memoranda: | ||
| Average total assets | $83,706,000 | 5,022 |
| Average earning assets | $76,415,500 | 5,028 |
| Average equity | $9,671,250 | 4,855 |
| Average total loans | $66,419,500 | 4,320 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 2,722 |
| Cost of funding earning assets | 0.5029% | 2,805 |
| Net interest margin | 3.7602% | 2,715 |
| Noninterest income to average assets | 1.0520% | 1,073 |
| Noninterest expense to average assets | 4.1264% | 653 |
| Loan and lease loss provision to assets | 0.0168% | 3,924 |
| Net operating income to assets | 0.2066% | 5,818 |
| Return on assets (ROA) | 0.2066% | 5,876 |
| Pretax return on assets | 0.3387% | 5,704 |
| Return on Equity (ROE) | 1.7824% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.7824% | 5,001 |
| Net charge-offs to loans | 0.4111% | 988 |
| Credit loss provision to net charge-offs | 5.2239% | 3,358 |
| Earnings coverage of net charge-offs (x) | 1.1045% | 3,887 |
| Efficiency ratio | 92.0686% | 762 |
| Assets per employee ($millions) | 3.4627% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 3,139 |
| Loan loss allowance to noncurrent loans | 100.3102% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 2.6557% | 1,014 |
| Noncurrent loans to loans | 1.4383% | 2,400 |
| Net loans and leases to total assets | 79.7305% | 719 |
| Net loans and leases to deposits | 102.6173% | 418 |
| Net loans and leases to core deposits | 104.7572% | 969 |
| Total domestic deposits to total assets | 77.6969% | 5,690 |
| Equity capital to assets | 11.6840% | 2,252 |
| Core capital (leverage) ratio | 11.6861% | 1,862 |
| Tier 1 risk-based capital ratio | 14.7738% | 3,767 |
| Total risk-based capital ratio | 16.0273% | 3,715 |
| Memoranda: | ||
| Average total assets | $83,268,330 | 5,072 |
| Average earning assets | $75,952,670 | 5,075 |
| Average equity | $9,650,000 | 4,876 |
| Average total loans | $65,188,330 | 4,388 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 2,943 |
| Cost of funding earning assets | 0.5055% | 2,847 |
| Net interest margin | 3.6752% | 2,967 |
| Noninterest income to average assets | 1.0174% | 1,095 |
| Noninterest expense to average assets | 4.0744% | 696 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1776% | 5,859 |
| Return on assets (ROA) | 0.1776% | 5,902 |
| Pretax return on assets | 0.2927% | 5,735 |
| Return on Equity (ROE) | 1.5385% | 5,914 |
| Retained earnings to average equity (ytd only) | 1.5385% | 4,992 |
| Net charge-offs to loans | 0.3990% | 918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.9531% | 3,225 |
| Efficiency ratio | 93.2967% | 796 |
| Assets per employee ($millions) | 3.6273% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 2,802 |
| Loan loss allowance to noncurrent loans | 83.8474% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 3.1032% | 897 |
| Noncurrent loans to loans | 1.8807% | 2,024 |
| Net loans and leases to total assets | 77.2789% | 847 |
| Net loans and leases to deposits | 99.3696% | 472 |
| Net loans and leases to core deposits | 101.0327% | 1,033 |
| Total domestic deposits to total assets | 77.7691% | 5,862 |
| Equity capital to assets | 11.5619% | 2,193 |
| Core capital (leverage) ratio | 11.5799% | 1,911 |
| Tier 1 risk-based capital ratio | 14.6727% | 3,905 |
| Total risk-based capital ratio | 15.9269% | 3,854 |
| Memoranda: | ||
| Average total assets | $83,350,000 | 5,123 |
| Average earning assets | $75,968,000 | 5,116 |
| Average equity | $9,620,000 | 4,905 |
| Average total loans | $64,167,500 | 4,455 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 3,071 |
| Cost of funding earning assets | 0.6117% | 2,557 |
| Net interest margin | 3.6575% | 3,223 |
| Noninterest income to average assets | 0.8799% | 1,753 |
| Noninterest expense to average assets | 3.9079% | 980 |
| Loan and lease loss provision to assets | 0.0346% | 4,430 |
| Net operating income to assets | 0.1900% | 5,854 |
| Return on assets (ROA) | 0.1900% | 5,920 |
| Pretax return on assets | 0.3052% | 5,724 |
| Return on Equity (ROE) | 1.7372% | 5,923 |
| Retained earnings to average equity (ytd only) | 1.7372% | 5,000 |
| Net charge-offs to loans | 0.0905% | 3,941 |
| Credit loss provision to net charge-offs | 51.7241% | 3,771 |
| Earnings coverage of net charge-offs (x) | 5.0862% | 3,388 |
| Efficiency ratio | 92.0011% | 881 |
| Assets per employee ($millions) | 3.3308% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 2,253 |
| Loan loss allowance to noncurrent loans | 104.6756% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 3.1343% | 990 |
| Noncurrent loans to loans | 1.6680% | 2,406 |
| Net loans and leases to total assets | 74.1339% | 1,325 |
| Net loans and leases to deposits | 95.4156% | 775 |
| Net loans and leases to core deposits | 97.2311% | 1,368 |
| Total domestic deposits to total assets | 77.6957% | 5,873 |
| Equity capital to assets | 11.5214% | 2,146 |
| Core capital (leverage) ratio | 11.4386% | 2,006 |
| Tier 1 risk-based capital ratio | 14.7716% | 3,804 |
| Total risk-based capital ratio | 16.0279% | 3,743 |
| Memoranda: | ||
| Average total assets | $86,824,000 | 5,056 |
| Average earning assets | $79,945,000 | 5,037 |
| Average equity | $9,498,200 | 4,977 |
| Average total loans | $64,057,600 | 4,483 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1761% | 3,474 |
| Cost of funding earning assets | 0.6373% | 2,479 |
| Net interest margin | 3.5389% | 3,720 |
| Noninterest income to average assets | 0.9121% | 1,712 |
| Noninterest expense to average assets | 3.9735% | 881 |
| Loan and lease loss provision to assets | 0.0456% | 4,099 |
| Net operating income to assets | 0.0942% | 6,151 |
| Return on assets (ROA) | 0.0942% | 6,205 |
| Pretax return on assets | 0.1596% | 6,116 |
| Return on Equity (ROE) | 0.8725% | 6,203 |
| Retained earnings to average equity (ytd only) | 0.8725% | 5,627 |
| Net charge-offs to loans | -0.0559% | 6,348 |
| Credit loss provision to net charge-offs | -111.1111% | 5,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0891% | 673 |
| Assets per employee ($millions) | 3.5655% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8892% | 2,031 |
| Loan loss allowance to noncurrent loans | 94.1083% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 3.3446% | 1,044 |
| Noncurrent loans to loans | 2.0075% | 2,241 |
| Net loans and leases to total assets | 71.7346% | 1,643 |
| Net loans and leases to deposits | 94.5693% | 787 |
| Net loans and leases to core deposits | 96.8920% | 1,326 |
| Total domestic deposits to total assets | 75.8540% | 6,185 |
| Equity capital to assets | 11.0949% | 2,672 |
| Core capital (leverage) ratio | 11.0083% | 2,471 |
| Tier 1 risk-based capital ratio | 14.5518% | 4,045 |
| Total risk-based capital ratio | 15.8094% | 3,992 |
| Memoranda: | ||
| Average total assets | $87,712,250 | 5,080 |
| Average earning assets | $80,965,750 | 5,057 |
| Average equity | $9,474,250 | 5,039 |
| Average total loans | $64,364,750 | 4,518 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 3,631 |
| Cost of funding earning assets | 0.6468% | 2,523 |
| Net interest margin | 3.4808% | 3,867 |
| Noninterest income to average assets | 0.8889% | 1,852 |
| Noninterest expense to average assets | 3.9016% | 979 |
| Loan and lease loss provision to assets | 0.0679% | 3,687 |
| Net operating income to assets | 0.0859% | 6,160 |
| Return on assets (ROA) | 0.0859% | 6,244 |
| Pretax return on assets | 0.1448% | 6,166 |
| Return on Equity (ROE) | 0.8027% | 6,255 |
| Retained earnings to average equity (ytd only) | 0.8027% | 5,577 |
| Net charge-offs to loans | -0.1078% | 6,520 |
| Credit loss provision to net charge-offs | -85.7143% | 5,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8323% | 716 |
| Assets per employee ($millions) | 3.5436% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 2,351 |
| Loan loss allowance to noncurrent loans | 63.3316% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 3.6765% | 1,008 |
| Noncurrent loans to loans | 2.8814% | 1,564 |
| Net loans and leases to total assets | 72.2666% | 1,525 |
| Net loans and leases to deposits | 94.3692% | 786 |
| Net loans and leases to core deposits | 96.4549% | 1,313 |
| Total domestic deposits to total assets | 76.5786% | 6,186 |
| Equity capital to assets | 10.6841% | 3,078 |
| Core capital (leverage) ratio | 10.5963% | 2,770 |
| Tier 1 risk-based capital ratio | 14.2037% | 4,288 |
| Total risk-based capital ratio | 15.4598% | 4,243 |
| Memoranda: | ||
| Average total assets | $88,426,000 | 5,092 |
| Average earning assets | $81,936,330 | 5,053 |
| Average equity | $9,467,670 | 5,069 |
| Average total loans | $64,964,330 | 4,503 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1408% | 3,555 |
| Cost of funding earning assets | 0.6804% | 2,383 |
| Net interest margin | 3.4604% | 3,857 |
| Noninterest income to average assets | 0.9418% | 1,635 |
| Noninterest expense to average assets | 3.9210% | 973 |
| Loan and lease loss provision to assets | 0.1358% | 2,549 |
| Net operating income to assets | 0.0589% | 6,231 |
| Return on assets (ROA) | 0.0589% | 6,317 |
| Pretax return on assets | 0.1087% | 6,245 |
| Return on Equity (ROE) | 0.5492% | 6,318 |
| Retained earnings to average equity (ytd only) | 0.5492% | 5,607 |
| Net charge-offs to loans | -0.5244% | 6,859 |
| Credit loss provision to net charge-offs | -35.2941% | 5,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1304% | 829 |
| Assets per employee ($millions) | 3.4514% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9044% | 2,289 |
| Loan loss allowance to noncurrent loans | 48.1366% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 3.0075% | 1,493 |
| Noncurrent loans to loans | 3.9562% | 1,150 |
| Net loans and leases to total assets | 74.0256% | 1,074 |
| Net loans and leases to deposits | 94.6533% | 629 |
| Net loans and leases to core deposits | 96.7524% | 1,158 |
| Total domestic deposits to total assets | 78.2071% | 6,083 |
| Equity capital to assets | 10.9822% | 2,973 |
| Core capital (leverage) ratio | 10.8633% | 2,384 |
| Tier 1 risk-based capital ratio | 14.5053% | 4,172 |
| Total risk-based capital ratio | 15.7635% | 4,130 |
| Memoranda: | ||
| Average total assets | $88,344,000 | 5,144 |
| Average earning assets | $82,302,000 | 5,079 |
| Average equity | $9,469,000 | 5,115 |
| Average total loans | $64,841,000 | 4,530 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 2,806 |
| Cost of funding earning assets | 0.8529% | 2,269 |
| Net interest margin | 3.7948% | 3,247 |
| Noninterest income to average assets | 1.3955% | 797 |
| Noninterest expense to average assets | 3.8692% | 1,136 |
| Loan and lease loss provision to assets | 0.6334% | 852 |
| Net operating income to assets | 0.5566% | 4,446 |
| Return on assets (ROA) | 0.5566% | 4,702 |
| Pretax return on assets | 0.3940% | 5,592 |
| Return on Equity (ROE) | 5.4076% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.4076% | 2,441 |
| Net charge-offs to loans | 0.8297% | 1,398 |
| Credit loss provision to net charge-offs | 100.7181% | 3,012 |
| Earnings coverage of net charge-offs (x) | 1.6338% | 4,629 |
| Efficiency ratio | 79.0178% | 2,270 |
| Assets per employee ($millions) | 3.4770% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 2,780 |
| Loan loss allowance to noncurrent loans | 47.3884% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 2.6470% | 1,831 |
| Noncurrent loans to loans | 3.6767% | 1,322 |
| Net loans and leases to total assets | 70.1791% | 1,813 |
| Net loans and leases to deposits | 90.7224% | 1,004 |
| Net loans and leases to core deposits | 94.0413% | 1,461 |
| Total domestic deposits to total assets | 77.3558% | 6,184 |
| Equity capital to assets | 10.4665% | 3,564 |
| Core capital (leverage) ratio | 10.3523% | 2,942 |
| Tier 1 risk-based capital ratio | 14.5268% | 4,013 |
| Total risk-based capital ratio | 15.7842% | 3,964 |
| Memoranda: | ||
| Average total assets | $88,571,400 | 5,123 |
| Average earning assets | $81,716,400 | 5,083 |
| Average equity | $9,116,800 | 5,194 |
| Average total loans | $67,136,000 | 4,457 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7481% | 2,585 |
| Cost of funding earning assets | 0.8851% | 2,270 |
| Net interest margin | 3.8630% | 3,061 |
| Noninterest income to average assets | 1.4602% | 700 |
| Noninterest expense to average assets | 3.9373% | 1,021 |
| Loan and lease loss provision to assets | 0.4842% | 1,276 |
| Net operating income to assets | 0.3768% | 5,343 |
| Return on assets (ROA) | 0.3768% | 5,548 |
| Pretax return on assets | 0.5916% | 5,192 |
| Return on Equity (ROE) | 3.6763% | 5,421 |
| Retained earnings to average equity (ytd only) | 3.6763% | 4,300 |
| Net charge-offs to loans | 0.4702% | 2,221 |
| Credit loss provision to net charge-offs | 133.8912% | 2,153 |
| Earnings coverage of net charge-offs (x) | 2.9749% | 3,836 |
| Efficiency ratio | 78.5391% | 2,308 |
| Assets per employee ($millions) | 3.5218% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8035% | 2,785 |
| Loan loss allowance to noncurrent loans | 51.8103% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 2.6566% | 1,984 |
| Noncurrent loans to loans | 3.4810% | 1,556 |
| Net loans and leases to total assets | 74.3324% | 1,197 |
| Net loans and leases to deposits | 96.9226% | 601 |
| Net loans and leases to core deposits | 99.6680% | 1,144 |
| Total domestic deposits to total assets | 76.6926% | 6,283 |
| Equity capital to assets | 10.4708% | 3,881 |
| Core capital (leverage) ratio | 10.4685% | 2,955 |
| Tier 1 risk-based capital ratio | 14.0767% | 4,470 |
| Total risk-based capital ratio | 15.3336% | 4,428 |
| Memoranda: | ||
| Average total assets | $88,113,500 | 5,187 |
| Average earning assets | $81,040,500 | 5,142 |
| Average equity | $9,030,500 | 5,259 |
| Average total loans | $67,777,750 | 4,475 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8254% | 2,407 |
| Cost of funding earning assets | 0.9269% | 2,211 |
| Net interest margin | 3.8985% | 2,912 |
| Noninterest income to average assets | 1.1187% | 1,141 |
| Noninterest expense to average assets | 3.9893% | 950 |
| Loan and lease loss provision to assets | 0.5333% | 1,167 |
| Net operating income to assets | 0.0953% | 6,175 |
| Return on assets (ROA) | 0.0953% | 6,325 |
| Pretax return on assets | 0.1657% | 6,201 |
| Return on Equity (ROE) | 0.9367% | 6,309 |
| Retained earnings to average equity (ytd only) | 0.9367% | 5,695 |
| Net charge-offs to loans | 0.6339% | 1,730 |
| Credit loss provision to net charge-offs | 108.7963% | 2,503 |
| Earnings coverage of net charge-offs (x) | 1.4259% | 4,288 |
| Efficiency ratio | 85.0920% | 1,526 |
| Assets per employee ($millions) | 3.4366% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6864% | 3,285 |
| Loan loss allowance to noncurrent loans | 52.1024% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 3.8514% | 1,347 |
| Noncurrent loans to loans | 3.2367% | 1,798 |
| Net loans and leases to total assets | 77.3535% | 804 |
| Net loans and leases to deposits | 101.1707% | 373 |
| Net loans and leases to core deposits | 107.2179% | 696 |
| Total domestic deposits to total assets | 76.4584% | 6,399 |
| Equity capital to assets | 10.4882% | 3,705 |
| Core capital (leverage) ratio | 10.4871% | 2,818 |
| Tier 1 risk-based capital ratio | 13.4808% | 4,841 |
| Total risk-based capital ratio | 14.7361% | 4,796 |
| Memoranda: | ||
| Average total assets | $88,136,330 | 5,222 |
| Average earning assets | $80,698,330 | 5,183 |
| Average equity | $8,967,670 | 5,276 |
| Average total loans | $68,154,330 | 4,482 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 2,864 |
| Cost of funding earning assets | 1.0146% | 1,893 |
| Net interest margin | 3.7300% | 3,697 |
| Noninterest income to average assets | 0.9860% | 1,462 |
| Noninterest expense to average assets | 4.0696% | 865 |
| Loan and lease loss provision to assets | 0.6499% | 843 |
| Net operating income to assets | -0.2286% | 6,659 |
| Return on assets (ROA) | -0.2286% | 6,707 |
| Pretax return on assets | -0.3227% | 6,744 |
| Return on Equity (ROE) | -2.2803% | 6,710 |
| Retained earnings to average equity (ytd only) | -2.2803% | 6,317 |
| Net charge-offs to loans | 1.2859% | 792 |
| Credit loss provision to net charge-offs | 65.9091% | 2,999 |
| Earnings coverage of net charge-offs (x) | 0.3318% | 4,202 |
| Efficiency ratio | 92.5586% | 904 |
| Assets per employee ($millions) | 3.3325% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 4,034 |
| Loan loss allowance to noncurrent loans | 51.0992% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 3.9275% | 1,414 |
| Noncurrent loans to loans | 2.9877% | 2,160 |
| Net loans and leases to total assets | 77.8663% | 606 |
| Net loans and leases to deposits | 100.0193% | 369 |
| Net loans and leases to core deposits | 105.2297% | 706 |
| Total domestic deposits to total assets | 77.8513% | 6,282 |
| Equity capital to assets | 10.2948% | 3,734 |
| Core capital (leverage) ratio | 10.2778% | 3,020 |
| Tier 1 risk-based capital ratio | 13.1601% | 5,088 |
| Total risk-based capital ratio | 14.4135% | 5,057 |
| Memoranda: | ||
| Average total assets | $89,246,500 | 5,235 |
| Average earning assets | $81,609,500 | 5,203 |
| Average equity | $8,946,000 | 5,298 |
| Average total loans | $68,432,000 | 4,504 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0495% | 2,656 |
| Cost of funding earning assets | 1.2533% | 1,715 |
| Net interest margin | 3.7962% | 3,834 |
| Noninterest income to average assets | 1.0677% | 1,173 |
| Noninterest expense to average assets | 3.5089% | 1,957 |
| Loan and lease loss provision to assets | 0.6253% | 1,637 |
| Net operating income to assets | -0.0791% | 6,143 |
| Return on assets (ROA) | -0.0791% | 6,221 |
| Pretax return on assets | 0.3976% | 5,303 |
| Return on Equity (ROE) | -0.8118% | 6,231 |
| Retained earnings to average equity (ytd only) | -0.8118% | 5,980 |
| Net charge-offs to loans | 0.9505% | 1,825 |
| Credit loss provision to net charge-offs | 83.3333% | 4,310 |
| Earnings coverage of net charge-offs (x) | 1.3632% | 4,748 |
| Efficiency ratio | 77.4292% | 2,669 |
| Assets per employee ($millions) | 3.5326% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 3,417 |
| Loan loss allowance to noncurrent loans | 46.8841% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 4.2320% | 1,327 |
| Noncurrent loans to loans | 3.4982% | 1,831 |
| Net loans and leases to total assets | 73.1967% | 1,409 |
| Net loans and leases to deposits | 93.3438% | 858 |
| Net loans and leases to core deposits | 98.3268% | 1,305 |
| Total domestic deposits to total assets | 78.4163% | 6,115 |
| Equity capital to assets | 9.7684% | 4,483 |
| Core capital (leverage) ratio | 9.7517% | 3,674 |
| Tier 1 risk-based capital ratio | 12.7748% | 5,259 |
| Total risk-based capital ratio | 13.8875% | 5,331 |
| Memoranda: | ||
| Average total assets | $93,562,000 | 5,079 |
| Average earning assets | $85,374,600 | 5,077 |
| Average equity | $9,115,000 | 5,249 |
| Average total loans | $73,852,200 | 4,351 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1616% | 2,337 |
| Cost of funding earning assets | 1.2877% | 1,772 |
| Net interest margin | 3.8739% | 3,503 |
| Noninterest income to average assets | 1.0682% | 1,179 |
| Noninterest expense to average assets | 3.6201% | 1,669 |
| Loan and lease loss provision to assets | 0.5887% | 1,672 |
| Net operating income to assets | 0.2412% | 5,590 |
| Return on assets (ROA) | 0.2412% | 5,729 |
| Pretax return on assets | 0.3887% | 5,502 |
| Return on Equity (ROE) | 2.4770% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.4770% | 4,886 |
| Net charge-offs to loans | 0.3899% | 3,162 |
| Credit loss provision to net charge-offs | 188.6364% | 1,547 |
| Earnings coverage of net charge-offs (x) | 3.1318% | 3,568 |
| Efficiency ratio | 78.7411% | 2,436 |
| Assets per employee ($millions) | 3.5286% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9829% | 2,381 |
| Loan loss allowance to noncurrent loans | 89.4507% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 3.5414% | 1,777 |
| Noncurrent loans to loans | 2.2167% | 3,088 |
| Net loans and leases to total assets | 77.2094% | 812 |
| Net loans and leases to deposits | 99.0658% | 511 |
| Net loans and leases to core deposits | 103.8713% | 988 |
| Total domestic deposits to total assets | 77.9375% | 6,204 |
| Equity capital to assets | 10.0421% | 4,283 |
| Core capital (leverage) ratio | 10.0283% | 3,394 |
| Tier 1 risk-based capital ratio | 12.6374% | 5,380 |
| Total risk-based capital ratio | 13.7598% | 5,473 |
| Memoranda: | ||
| Average total assets | $93,990,750 | 5,100 |
| Average earning assets | $85,630,500 | 5,102 |
| Average equity | $9,150,750 | 5,271 |
| Average total loans | $75,227,750 | 4,345 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1861% | 2,318 |
| Cost of funding earning assets | 1.3185% | 1,834 |
| Net interest margin | 3.8676% | 3,450 |
| Noninterest income to average assets | 1.0724% | 1,144 |
| Noninterest expense to average assets | 3.5824% | 1,778 |
| Loan and lease loss provision to assets | 0.4433% | 2,221 |
| Net operating income to assets | 0.3589% | 5,137 |
| Return on assets (ROA) | 0.3589% | 5,276 |
| Pretax return on assets | 0.5700% | 4,845 |
| Return on Equity (ROE) | 3.7240% | 5,054 |
| Retained earnings to average equity (ytd only) | 3.7240% | 3,844 |
| Net charge-offs to loans | 0.3097% | 3,323 |
| Credit loss provision to net charge-offs | 177.9661% | 1,694 |
| Earnings coverage of net charge-offs (x) | 4.0678% | 2,977 |
| Efficiency ratio | 77.9513% | 2,721 |
| Assets per employee ($millions) | 3.6108% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8020% | 2,987 |
| Loan loss allowance to noncurrent loans | 102.5424% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 3.2925% | 2,025 |
| Noncurrent loans to loans | 1.7573% | 3,811 |
| Net loans and leases to total assets | 77.2603% | 873 |
| Net loans and leases to deposits | 98.7300% | 558 |
| Net loans and leases to core deposits | 103.1486% | 1,109 |
| Total domestic deposits to total assets | 78.2542% | 6,239 |
| Equity capital to assets | 9.8136% | 4,373 |
| Core capital (leverage) ratio | 9.8126% | 3,502 |
| Tier 1 risk-based capital ratio | 12.3512% | 5,475 |
| Total risk-based capital ratio | 13.4573% | 5,592 |
| Memoranda: | ||
| Average total assets | $94,739,670 | 5,119 |
| Average earning assets | $86,307,330 | 5,120 |
| Average equity | $9,130,000 | 5,287 |
| Average total loans | $76,214,330 | 4,341 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1410% | 2,468 |
| Cost of funding earning assets | 1.3614% | 1,823 |
| Net interest margin | 3.7796% | 3,708 |
| Noninterest income to average assets | 1.2231% | 847 |
| Noninterest expense to average assets | 3.6861% | 1,561 |
| Loan and lease loss provision to assets | 0.4413% | 1,997 |
| Net operating income to assets | 0.3320% | 5,260 |
| Return on assets (ROA) | 0.3320% | 5,336 |
| Pretax return on assets | 0.5380% | 4,903 |
| Return on Equity (ROE) | 3.4769% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.4769% | 4,097 |
| Net charge-offs to loans | 0.8166% | 1,601 |
| Credit loss provision to net charge-offs | 66.4557% | 3,425 |
| Earnings coverage of net charge-offs (x) | 1.4747% | 3,604 |
| Efficiency ratio | 79.0090% | 2,690 |
| Assets per employee ($millions) | 3.6927% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 3,980 |
| Loan loss allowance to noncurrent loans | 33.2306% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 5.5275% | 1,093 |
| Noncurrent loans to loans | 4.6521% | 1,491 |
| Net loans and leases to total assets | 78.6702% | 661 |
| Net loans and leases to deposits | 101.3091% | 411 |
| Net loans and leases to core deposits | 104.8721% | 1,011 |
| Total domestic deposits to total assets | 77.6536% | 6,422 |
| Equity capital to assets | 9.5062% | 4,428 |
| Core capital (leverage) ratio | 9.5005% | 3,806 |
| Tier 1 risk-based capital ratio | 11.9664% | 5,726 |
| Total risk-based capital ratio | 13.0907% | 5,830 |
| Memoranda: | ||
| Average total assets | $95,169,500 | 5,130 |
| Average earning assets | $86,676,000 | 5,140 |
| Average equity | $9,088,500 | 5,290 |
| Average total loans | $77,390,000 | 4,346 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4404% | 2,504 |
| Cost of funding earning assets | 1.7363% | 1,436 |
| Net interest margin | 3.7041% | 4,324 |
| Noninterest income to average assets | 1.0065% | 1,485 |
| Noninterest expense to average assets | 3.6374% | 1,827 |
| Loan and lease loss provision to assets | 1.6022% | 899 |
| Net operating income to assets | -0.5826% | 6,439 |
| Return on assets (ROA) | -0.5826% | 6,469 |
| Pretax return on assets | -0.8579% | 6,550 |
| Return on Equity (ROE) | -6.1380% | 6,508 |
| Retained earnings to average equity (ytd only) | -6.1380% | 6,397 |
| Net charge-offs to loans | 1.5374% | 1,429 |
| Credit loss provision to net charge-offs | 126.8894% | 3,188 |
| Earnings coverage of net charge-offs (x) | 0.5895% | 5,515 |
| Efficiency ratio | 83.0124% | 2,050 |
| Assets per employee ($millions) | 3.6280% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 3,609 |
| Loan loss allowance to noncurrent loans | 118.2857% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 3.1518% | 2,245 |
| Noncurrent loans to loans | 1.3451% | 4,468 |
| Net loans and leases to total assets | 81.4392% | 497 |
| Net loans and leases to deposits | 108.2048% | 267 |
| Net loans and leases to core deposits | 111.1610% | 859 |
| Total domestic deposits to total assets | 75.2640% | 6,736 |
| Equity capital to assets | 9.5942% | 4,279 |
| Core capital (leverage) ratio | 9.5865% | 3,580 |
| Tier 1 risk-based capital ratio | 11.7968% | 5,652 |
| Total risk-based capital ratio | 12.9227% | 5,752 |
| Memoranda: | ||
| Average total assets | $99,548,800 | 4,997 |
| Average earning assets | $90,710,000 | 4,995 |
| Average equity | $9,449,400 | 5,284 |
| Average total loans | $81,760,600 | 4,289 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4492% | 2,649 |
| Cost of funding earning assets | 1.7792% | 1,511 |
| Net interest margin | 3.6700% | 4,538 |
| Noninterest income to average assets | 0.9267% | 1,699 |
| Noninterest expense to average assets | 3.3539% | 2,422 |
| Loan and lease loss provision to assets | 1.1475% | 1,267 |
| Net operating income to assets | -0.1679% | 6,277 |
| Return on assets (ROA) | -0.1679% | 6,353 |
| Pretax return on assets | -0.2287% | 6,340 |
| Return on Equity (ROE) | -1.7732% | 6,375 |
| Retained earnings to average equity (ytd only) | -1.7732% | 6,157 |
| Net charge-offs to loans | 1.3077% | 1,557 |
| Credit loss provision to net charge-offs | 107.0284% | 3,992 |
| Earnings coverage of net charge-offs (x) | 0.8570% | 5,192 |
| Efficiency ratio | 78.4963% | 2,558 |
| Assets per employee ($millions) | 3.7254% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 5,480 |
| Loan loss allowance to noncurrent loans | 99.2784% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 3.4875% | 2,047 |
| Noncurrent loans to loans | 1.2111% | 4,824 |
| Net loans and leases to total assets | 81.6973% | 534 |
| Net loans and leases to deposits | 107.0856% | 318 |
| Net loans and leases to core deposits | 111.7352% | 946 |
| Total domestic deposits to total assets | 76.2916% | 6,602 |
| Equity capital to assets | 9.8224% | 4,384 |
| Core capital (leverage) ratio | 9.8047% | 3,480 |
| Tier 1 risk-based capital ratio | 12.1364% | 5,328 |
| Total risk-based capital ratio | 13.2407% | 5,440 |
| Memoranda: | ||
| Average total assets | $100,854,000 | 5,018 |
| Average earning assets | $91,949,750 | 5,012 |
| Average equity | $9,549,250 | 5,331 |
| Average total loans | $82,685,250 | 4,334 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4267% | 2,860 |
| Cost of funding earning assets | 1.8117% | 1,598 |
| Net interest margin | 3.6149% | 4,756 |
| Noninterest income to average assets | 0.8768% | 1,769 |
| Noninterest expense to average assets | 3.4310% | 2,192 |
| Loan and lease loss provision to assets | 1.0823% | 1,328 |
| Net operating income to assets | -0.2407% | 6,401 |
| Return on assets (ROA) | -0.2407% | 6,443 |
| Pretax return on assets | -0.3366% | 6,463 |
| Return on Equity (ROE) | -2.5730% | 6,472 |
| Retained earnings to average equity (ytd only) | -2.5730% | 6,235 |
| Net charge-offs to loans | 1.4674% | 1,300 |
| Credit loss provision to net charge-offs | 90.2121% | 4,415 |
| Earnings coverage of net charge-offs (x) | 0.6215% | 5,118 |
| Efficiency ratio | 82.1462% | 2,146 |
| Assets per employee ($millions) | 3.5535% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 6,193 |
| Loan loss allowance to noncurrent loans | 67.5612% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 3.5628% | 1,974 |
| Noncurrent loans to loans | 1.5492% | 4,388 |
| Net loans and leases to total assets | 81.3375% | 624 |
| Net loans and leases to deposits | 106.0084% | 395 |
| Net loans and leases to core deposits | 110.2153% | 1,152 |
| Total domestic deposits to total assets | 76.7274% | 6,559 |
| Equity capital to assets | 9.5730% | 4,593 |
| Core capital (leverage) ratio | 9.5493% | 3,742 |
| Tier 1 risk-based capital ratio | 12.0934% | 5,231 |
| Total risk-based capital ratio | 13.0572% | 5,450 |
| Memoranda: | ||
| Average total assets | $102,185,330 | 5,013 |
| Average earning assets | $93,280,330 | 5,011 |
| Average equity | $9,561,000 | 5,325 |
| Average total loans | $83,548,670 | 4,334 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3869% | 3,101 |
| Cost of funding earning assets | 1.8562% | 1,628 |
| Net interest margin | 3.5307% | 5,037 |
| Noninterest income to average assets | 0.9041% | 1,606 |
| Noninterest expense to average assets | 3.3537% | 2,366 |
| Loan and lease loss provision to assets | 1.5455% | 755 |
| Net operating income to assets | -0.5255% | 6,845 |
| Return on assets (ROA) | -0.5255% | 6,873 |
| Pretax return on assets | -0.7689% | 6,933 |
| Return on Equity (ROE) | -5.6791% | 6,918 |
| Retained earnings to average equity (ytd only) | -5.6791% | 6,634 |
| Net charge-offs to loans | 1.4402% | 1,200 |
| Credit loss provision to net charge-offs | 131.5789% | 2,683 |
| Earnings coverage of net charge-offs (x) | 0.6612% | 4,437 |
| Efficiency ratio | 81.1974% | 2,386 |
| Assets per employee ($millions) | 3.6034% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 5,418 |
| Loan loss allowance to noncurrent loans | 103.6885% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 3.2390% | 2,216 |
| Noncurrent loans to loans | 1.1736% | 5,018 |
| Net loans and leases to total assets | 81.4233% | 658 |
| Net loans and leases to deposits | 106.9743% | 387 |
| Net loans and leases to core deposits | 112.1820% | 1,151 |
| Total domestic deposits to total assets | 76.1148% | 6,738 |
| Equity capital to assets | 9.4356% | 4,636 |
| Core capital (leverage) ratio | 9.4050% | 3,901 |
| Tier 1 risk-based capital ratio | 11.7863% | 5,413 |
| Total risk-based capital ratio | 12.9108% | 5,477 |
| Memoranda: | ||
| Average total assets | $103,528,500 | 5,043 |
| Average earning assets | $94,599,500 | 5,028 |
| Average equity | $9,579,000 | 5,351 |
| Average total loans | $84,430,000 | 4,370 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5086% | 4,099 |
| Cost of funding earning assets | 2.1945% | 2,062 |
| Net interest margin | 3.3141% | 5,682 |
| Noninterest income to average assets | 0.7950% | 2,427 |
| Noninterest expense to average assets | 3.3201% | 2,947 |
| Loan and lease loss provision to assets | 1.7339% | 1,316 |
| Net operating income to assets | -0.7926% | 6,429 |
| Return on assets (ROA) | -0.7212% | 6,377 |
| Pretax return on assets | -1.0666% | 6,461 |
| Return on Equity (ROE) | -7.7712% | 6,452 |
| Retained earnings to average equity (ytd only) | -7.7712% | 6,323 |
| Net charge-offs to loans | 1.4198% | 1,772 |
| Credit loss provision to net charge-offs | 150.9061% | 3,064 |
| Earnings coverage of net charge-offs (x) | 0.4893% | 5,619 |
| Efficiency ratio | 85.1536% | 2,204 |
| Assets per employee ($millions) | 3.7915% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 6,047 |
| Loan loss allowance to noncurrent loans | 103.7373% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 5,274 |
| Noncurrent loans to loans | 1.0304% | 5,258 |
| Net loans and leases to total assets | 79.8591% | 1,020 |
| Net loans and leases to deposits | 105.8057% | 563 |
| Net loans and leases to core deposits | 132.0026% | 1,174 |
| Total domestic deposits to total assets | 75.4771% | 6,780 |
| Equity capital to assets | 9.0786% | 5,014 |
| Core capital (leverage) ratio | 9.0656% | 4,313 |
| Tier 1 risk-based capital ratio | 11.5829% | 5,311 |
| Total risk-based capital ratio | 12.5664% | 5,540 |
| Memoranda: | ||
| Average total assets | $105,658,000 | 4,939 |
| Average earning assets | $98,427,400 | 4,881 |
| Average equity | $9,805,400 | 5,354 |
| Average total loans | $85,507,000 | 4,346 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4695% | 4,581 |
| Cost of funding earning assets | 2.2283% | 2,281 |
| Net interest margin | 3.2412% | 5,875 |
| Noninterest income to average assets | 0.7770% | 2,563 |
| Noninterest expense to average assets | 3.4339% | 2,465 |
| Loan and lease loss provision to assets | 1.8951% | 968 |
| Net operating income to assets | -1.0303% | 6,859 |
| Return on assets (ROA) | -0.9349% | 6,792 |
| Pretax return on assets | -1.3796% | 6,904 |
| Return on Equity (ROE) | -10.0194% | 6,897 |
| Retained earnings to average equity (ytd only) | -10.0194% | 6,808 |
| Net charge-offs to loans | 0.9720% | 2,027 |
| Credit loss provision to net charge-offs | 240.7705% | 1,812 |
| Earnings coverage of net charge-offs (x) | 0.4767% | 5,553 |
| Efficiency ratio | 89.6517% | 1,721 |
| Assets per employee ($millions) | 3.7534% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 4,193 |
| Loan loss allowance to noncurrent loans | 67.0850% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.8764% | 3,545 |
| Noncurrent loans to loans | 2.0148% | 3,620 |
| Net loans and leases to total assets | 81.6671% | 870 |
| Net loans and leases to deposits | 114.4099% | 311 |
| Net loans and leases to core deposits | 142.6971% | 810 |
| Total domestic deposits to total assets | 71.3811% | 7,292 |
| Equity capital to assets | 9.1508% | 5,259 |
| Core capital (leverage) ratio | 9.1729% | 4,375 |
| Tier 1 risk-based capital ratio | 11.6019% | 5,335 |
| Total risk-based capital ratio | 12.7328% | 5,392 |
| Memoranda: | ||
| Average total assets | $105,532,000 | 4,971 |
| Average earning assets | $98,726,250 | 4,898 |
| Average equity | $9,847,250 | 5,379 |
| Average total loans | $85,459,750 | 4,381 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4181% | 5,045 |
| Cost of funding earning assets | 2.2877% | 2,402 |
| Net interest margin | 3.1304% | 6,150 |
| Noninterest income to average assets | 0.7835% | 2,493 |
| Noninterest expense to average assets | 3.3044% | 2,937 |
| Loan and lease loss provision to assets | 1.3096% | 1,311 |
| Net operating income to assets | -0.6181% | 6,675 |
| Return on assets (ROA) | -0.4731% | 6,533 |
| Pretax return on assets | -0.6889% | 6,588 |
| Return on Equity (ROE) | -5.0383% | 6,613 |
| Retained earnings to average equity (ytd only) | -5.0383% | 6,306 |
| Net charge-offs to loans | 1.4362% | 1,316 |
| Credit loss provision to net charge-offs | 113.4426% | 4,084 |
| Earnings coverage of net charge-offs (x) | 0.3557% | 5,327 |
| Efficiency ratio | 88.1814% | 1,993 |
| Assets per employee ($millions) | 3.8245% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4592% | 7,833 |
| Loan loss allowance to noncurrent loans | 13.9370% | 7,400 |
| Noncurrent assets plus other real estate owned to assets | 2.6409% | 2,431 |
| Noncurrent loans to loans | 3.2951% | 2,144 |
| Net loans and leases to total assets | 79.7507% | 1,353 |
| Net loans and leases to deposits | 108.0560% | 647 |
| Net loans and leases to core deposits | 134.2129% | 1,305 |
| Total domestic deposits to total assets | 73.8049% | 6,979 |
| Equity capital to assets | 9.3683% | 4,784 |
| Core capital (leverage) ratio | 9.4499% | 3,962 |
| Tier 1 risk-based capital ratio | 13.0415% | 4,117 |
| Total risk-based capital ratio | 13.4211% | 4,693 |
| Memoranda: | ||
| Average total assets | $105,677,670 | 4,994 |
| Average earning assets | $98,965,000 | 4,920 |
| Average equity | $9,924,000 | 5,378 |
| Average total loans | $84,945,000 | 4,431 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5773% | 4,487 |
| Cost of funding earning assets | 2.3880% | 2,342 |
| Net interest margin | 3.1894% | 5,887 |
| Noninterest income to average assets | 0.4992% | 4,328 |
| Noninterest expense to average assets | 3.3418% | 2,527 |
| Loan and lease loss provision to assets | 2.5606% | 448 |
| Net operating income to assets | -1.6170% | 7,548 |
| Return on assets (ROA) | -1.3337% | 7,446 |
| Pretax return on assets | -1.9929% | 7,532 |
| Return on Equity (ROE) | -14.1844% | 7,573 |
| Retained earnings to average equity (ytd only) | -14.1844% | 7,393 |
| Net charge-offs to loans | 1.9356% | 744 |
| Credit loss provision to net charge-offs | 164.3032% | 2,599 |
| Earnings coverage of net charge-offs (x) | 0.0929% | 4,910 |
| Efficiency ratio | 95.8470% | 1,327 |
| Assets per employee ($millions) | 3.7518% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6795% | 7,508 |
| Loan loss allowance to noncurrent loans | 32.1588% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 1.7020% | 3,367 |
| Noncurrent loans to loans | 2.1131% | 3,099 |
| Net loans and leases to total assets | 79.9992% | 1,388 |
| Net loans and leases to deposits | 109.0466% | 666 |
| Net loans and leases to core deposits | 135.6009% | 1,333 |
| Total domestic deposits to total assets | 73.3625% | 6,991 |
| Equity capital to assets | 9.2450% | 5,018 |
| Core capital (leverage) ratio | 9.5065% | 3,977 |
| Tier 1 risk-based capital ratio | 13.3426% | 3,966 |
| Total risk-based capital ratio | 13.9757% | 4,289 |
| Memoranda: | ||
| Average total assets | $104,974,000 | 5,042 |
| Average earning assets | $98,327,000 | 4,962 |
| Average equity | $9,870,000 | 5,423 |
| Average total loans | $84,520,000 | 4,477 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3685% | 3,586 |
| Cost of funding earning assets | 2.7393% | 2,979 |
| Net interest margin | 3.6292% | 4,759 |
| Noninterest income to average assets | 0.6493% | 3,482 |
| Noninterest expense to average assets | 3.3889% | 2,713 |
| Loan and lease loss provision to assets | 0.2485% | 4,430 |
| Net operating income to assets | 0.2694% | 5,645 |
| Return on assets (ROA) | 0.3538% | 5,142 |
| Pretax return on assets | 0.5553% | 4,840 |
| Return on Equity (ROE) | 3.4317% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.4317% | 3,005 |
| Net charge-offs to loans | 0.1624% | 4,574 |
| Credit loss provision to net charge-offs | 188.3721% | 2,627 |
| Earnings coverage of net charge-offs (x) | 5.0930% | 3,753 |
| Efficiency ratio | 83.4550% | 2,120 |
| Assets per employee ($millions) | 3.6171% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3696% | 8,025 |
| Loan loss allowance to noncurrent loans | 50.5673% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 5,423 |
| Noncurrent loans to loans | 0.7308% | 5,202 |
| Net loans and leases to total assets | 80.1863% | 1,614 |
| Net loans and leases to deposits | 109.8138% | 847 |
| Net loans and leases to core deposits | 135.9182% | 1,492 |
| Total domestic deposits to total assets | 73.0202% | 6,827 |
| Equity capital to assets | 9.5599% | 4,597 |
| Core capital (leverage) ratio | 9.8494% | 3,590 |
| Tier 1 risk-based capital ratio | 14.0024% | 3,549 |
| Total risk-based capital ratio | 14.2896% | 3,997 |
| Memoranda: | ||
| Average total assets | $97,790,200 | 5,122 |
| Average earning assets | $91,921,400 | 5,030 |
| Average equity | $10,082,600 | 5,387 |
| Average total loans | $79,414,200 | 4,536 |