Home > New Horizon Bank > Performance and Condition Ratios
New Horizon Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1213% | 2,888 |
| Cost of funding earning assets | 1.7235% | 2,669 |
| Net interest margin | 3.3978% | 2,567 |
| Noninterest income to average assets | 0.1800% | 3,674 |
| Noninterest expense to average assets | 4.5660% | 280 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | -1.0145% | 4,370 |
| Return on assets (ROA) | -1.0145% | 4,401 |
| Pretax return on assets | -1.2841% | 4,406 |
| Return on Equity (ROE) | -8.3300% | 4,369 |
| Retained earnings to average equity (ytd only) | -8.3294% | 4,206 |
| Net charge-offs to loans | 0.2308% | 489 |
| Credit loss provision to net charge-offs | 111.1111% | 1,204 |
| Earnings coverage of net charge-offs (x) | -11.1481% | 4,451 |
| Efficiency ratio | 133.9612% | 98 |
| Assets per employee ($millions) | 4.4533% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 2,312 |
| Loan loss allowance to noncurrent loans | 289.1960% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 2,576 |
| Noncurrent loans to loans | 0.4069% | 2,099 |
| Net loans and leases to total assets | 45.2200% | 3,788 |
| Net loans and leases to deposits | 53.0005% | 3,758 |
| Net loans and leases to core deposits | 55.3700% | 3,846 |
| Total domestic deposits to total assets | 85.3200% | 2,541 |
| Equity capital to assets | 13.9991% | 700 |
| Core capital (leverage) ratio | 14.4753% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $206,219,000 | 2,979 |
| Average earning assets | $195,419,500 | 2,944 |
| Average equity | $25,116,000 | 2,678 |
| Average total loans | $93,607,500 | 3,275 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0137% | 3,082 |
| Cost of funding earning assets | 1.8170% | 2,685 |
| Net interest margin | 3.1967% | 2,727 |
| Noninterest income to average assets | 0.2300% | 3,513 |
| Noninterest expense to average assets | 4.7618% | 263 |
| Loan and lease loss provision to assets | 0.2500% | 506 |
| Net operating income to assets | -1.3974% | 4,415 |
| Return on assets (ROA) | -1.3974% | 4,451 |
| Pretax return on assets | -1.7691% | 4,459 |
| Return on Equity (ROE) | -12.2700% | 4,420 |
| Retained earnings to average equity (ytd only) | -12.2708% | 4,412 |
| Net charge-offs to loans | 0.1401% | 932 |
| Credit loss provision to net charge-offs | 346.2963% | 796 |
| Earnings coverage of net charge-offs (x) | -21.5278% | 4,475 |
| Efficiency ratio | 146.5182% | 86 |
| Assets per employee ($millions) | 4.7305% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 1,763 |
| Loan loss allowance to noncurrent loans | 234.1513% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 2,283 |
| Noncurrent loans to loans | 0.5470% | 1,709 |
| Net loans and leases to total assets | 44.4200% | 3,874 |
| Net loans and leases to deposits | 49.8923% | 3,919 |
| Net loans and leases to core deposits | 52.1969% | 3,964 |
| Total domestic deposits to total assets | 89.0300% | 1,156 |
| Equity capital to assets | 10.2214% | 2,006 |
| Core capital (leverage) ratio | 11.7045% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $152,567,200 | 3,341 |
| Average earning assets | $143,366,400 | 3,313 |
| Average equity | $17,374,600 | 3,152 |
| Average total loans | $77,097,200 | 3,459 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0470% | 2,961 |
| Cost of funding earning assets | 1.7882% | 2,747 |
| Net interest margin | 3.2588% | 2,541 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 4.5755% | 275 |
| Loan and lease loss provision to assets | 0.3000% | 349 |
| Net operating income to assets | -1.5645% | 4,459 |
| Return on assets (ROA) | -1.5645% | 4,489 |
| Pretax return on assets | -1.5645% | 4,487 |
| Return on Equity (ROE) | -13.2600% | 4,462 |
| Retained earnings to average equity (ytd only) | -13.2599% | 4,457 |
| Net charge-offs to loans | 0.2216% | 542 |
| Credit loss provision to net charge-offs | 261.7886% | 922 |
| Earnings coverage of net charge-offs (x) | -10.8374% | 4,499 |
| Efficiency ratio | 137.4109% | 98 |
| Assets per employee ($millions) | 4.1008% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 1,499 |
| Loan loss allowance to noncurrent loans | 183.6457% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 1,683 |
| Noncurrent loans to loans | 0.7378% | 1,340 |
| Net loans and leases to total assets | 53.1600% | 3,475 |
| Net loans and leases to deposits | 60.0311% | 3,590 |
| Net loans and leases to core deposits | 63.8619% | 3,648 |
| Total domestic deposits to total assets | 88.5500% | 1,071 |
| Equity capital to assets | 11.0581% | 1,703 |
| Core capital (leverage) ratio | 11.0535% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $141,038,500 | 3,443 |
| Average earning assets | $132,194,000 | 3,422 |
| Average equity | $16,641,250 | 3,213 |
| Average total loans | $74,021,750 | 3,517 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9373% | 3,058 |
| Cost of funding earning assets | 1.7620% | 2,721 |
| Net interest margin | 3.1753% | 2,679 |
| Noninterest income to average assets | 0.2800% | 3,143 |
| Noninterest expense to average assets | 4.5563% | 271 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | -1.4232% | 4,466 |
| Return on assets (ROA) | -1.4232% | 4,499 |
| Pretax return on assets | -1.4232% | 4,497 |
| Return on Equity (ROE) | -11.8000% | 4,474 |
| Retained earnings to average equity (ytd only) | -11.7994% | 4,458 |
| Net charge-offs to loans | 0.2411% | 461 |
| Credit loss provision to net charge-offs | 95.4023% | 1,539 |
| Earnings coverage of net charge-offs (x) | -10.4023% | 4,525 |
| Efficiency ratio | 139.4597% | 95 |
| Assets per employee ($millions) | 4.2513% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 2,170 |
| Loan loss allowance to noncurrent loans | 138.6688% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 1,350 |
| Noncurrent loans to loans | 0.8764% | 1,076 |
| Net loans and leases to total assets | 55.7700% | 3,283 |
| Net loans and leases to deposits | 64.0614% | 3,361 |
| Net loans and leases to core deposits | 70.7981% | 3,328 |
| Total domestic deposits to total assets | 87.0600% | 1,632 |
| Equity capital to assets | 12.7420% | 939 |
| Core capital (leverage) ratio | 12.8453% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $138,841,667 | 3,473 |
| Average earning assets | $130,193,000 | 3,446 |
| Average equity | $16,746,667 | 3,183 |
| Average total loans | $72,177,000 | 3,548 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9673% | 2,847 |
| Cost of funding earning assets | 1.6812% | 2,797 |
| Net interest margin | 3.2860% | 2,367 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 4.2826% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -1.0021% | 4,517 |
| Return on assets (ROA) | -1.0021% | 4,507 |
| Pretax return on assets | -1.0021% | 4,502 |
| Return on Equity (ROE) | -8.5200% | 4,468 |
| Retained earnings to average equity (ytd only) | -8.5204% | 4,259 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 129.9578% | 90 |
| Assets per employee ($millions) | 6.1077% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,213 |
| Loan loss allowance to noncurrent loans | 186.8365% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 1,504 |
| Noncurrent loans to loans | 0.6496% | 1,361 |
| Net loans and leases to total assets | 50.9800% | 3,552 |
| Net loans and leases to deposits | 58.0227% | 3,619 |
| Net loans and leases to core deposits | 61.4370% | 3,719 |
| Total domestic deposits to total assets | 87.8700% | 1,464 |
| Equity capital to assets | 11.9301% | 1,146 |
| Core capital (leverage) ratio | 12.1049% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $144,493,000 | 3,429 |
| Average earning assets | $136,091,000 | 3,408 |
| Average equity | $16,994,500 | 3,170 |
| Average total loans | $72,264,000 | 3,543 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9528% | 2,171 |
| Cost of funding earning assets | 0.9326% | 3,452 |
| Net interest margin | 4.0201% | 1,178 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 3.7674% | 438 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.2183% | 4,144 |
| Return on assets (ROA) | 0.2183% | 4,158 |
| Pretax return on assets | 0.2769% | 4,112 |
| Return on Equity (ROE) | 1.7000% | 4,183 |
| Retained earnings to average equity (ytd only) | 1.6990% | 3,653 |
| Net charge-offs to loans | 0.0014% | 2,792 |
| Credit loss provision to net charge-offs | -5,800.0000% | 4,602 |
| Earnings coverage of net charge-offs (x) | 312.0000% | 421 |
| Efficiency ratio | 93.6434% | 308 |
| Assets per employee ($millions) | 5.7119% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,176 |
| Loan loss allowance to noncurrent loans | 163.3829% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 1,279 |
| Noncurrent loans to loans | 0.7470% | 1,046 |
| Net loans and leases to total assets | 47.9100% | 3,732 |
| Net loans and leases to deposits | 54.3821% | 3,772 |
| Net loans and leases to core deposits | 57.9401% | 3,840 |
| Total domestic deposits to total assets | 88.0900% | 1,320 |
| Equity capital to assets | 11.6020% | 1,255 |
| Core capital (leverage) ratio | 12.3936% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $133,275,600 | 3,520 |
| Average earning assets | $124,597,400 | 3,495 |
| Average equity | $17,127,600 | 3,084 |
| Average total loans | $73,058,200 | 3,508 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9688% | 1,897 |
| Cost of funding earning assets | 0.8462% | 3,410 |
| Net interest margin | 4.1226% | 1,032 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 3.4705% | 571 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.5736% | 3,618 |
| Return on assets (ROA) | 0.5736% | 3,600 |
| Pretax return on assets | 0.6704% | 3,605 |
| Return on Equity (ROE) | 4.3400% | 3,931 |
| Retained earnings to average equity (ytd only) | 4.3425% | 3,171 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.1457% | 605 |
| Assets per employee ($millions) | 5.8451% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 2,255 |
| Loan loss allowance to noncurrent loans | 169.5652% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 1,127 |
| Noncurrent loans to loans | 0.7219% | 1,152 |
| Net loans and leases to total assets | 58.9700% | 2,944 |
| Net loans and leases to deposits | 68.3387% | 2,956 |
| Net loans and leases to core deposits | 74.5847% | 2,955 |
| Total domestic deposits to total assets | 86.2900% | 2,108 |
| Equity capital to assets | 13.5563% | 713 |
| Core capital (leverage) ratio | 14.1416% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $129,467,250 | 3,568 |
| Average earning assets | $120,697,750 | 3,545 |
| Average equity | $17,102,000 | 3,077 |
| Average total loans | $73,316,250 | 3,512 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 1,691 |
| Cost of funding earning assets | 0.7059% | 3,470 |
| Net interest margin | 4.2242% | 901 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 3.4151% | 591 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 0.7198% | 3,301 |
| Return on assets (ROA) | 0.7198% | 3,297 |
| Pretax return on assets | 0.8625% | 3,258 |
| Return on Equity (ROE) | 5.4900% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.4937% | 2,788 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.9783% | 778 |
| Assets per employee ($millions) | 6.2393% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 2,470 |
| Loan loss allowance to noncurrent loans | 221.3568% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 1,377 |
| Noncurrent loans to loans | 0.5400% | 1,377 |
| Net loans and leases to total assets | 55.5800% | 3,148 |
| Net loans and leases to deposits | 64.0259% | 3,187 |
| Net loans and leases to core deposits | 71.1293% | 3,058 |
| Total domestic deposits to total assets | 86.8100% | 1,985 |
| Equity capital to assets | 13.0494% | 796 |
| Core capital (leverage) ratio | 12.9228% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $131,707,333 | 3,553 |
| Average earning assets | $122,959,333 | 3,526 |
| Average equity | $17,256,000 | 3,083 |
| Average total loans | $73,328,333 | 3,515 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7154% | 1,807 |
| Cost of funding earning assets | 0.5647% | 3,487 |
| Net interest margin | 4.1507% | 1,025 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 3.1231% | 900 |
| Loan and lease loss provision to assets | -0.1500% | 4,603 |
| Net operating income to assets | 0.9754% | 2,605 |
| Return on assets (ROA) | 0.9754% | 2,577 |
| Pretax return on assets | 1.1269% | 2,638 |
| Return on Equity (ROE) | 7.4300% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.4301% | 2,382 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.5720% | 1,199 |
| Assets per employee ($millions) | 5.9029% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,385 |
| Loan loss allowance to noncurrent loans | 631.2057% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 2,276 |
| Noncurrent loans to loans | 0.1950% | 2,498 |
| Net loans and leases to total assets | 50.4100% | 3,455 |
| Net loans and leases to deposits | 60.9869% | 3,278 |
| Net loans and leases to core deposits | 68.7577% | 3,040 |
| Total domestic deposits to total assets | 82.6500% | 3,366 |
| Equity capital to assets | 12.3076% | 914 |
| Core capital (leverage) ratio | 13.7695% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $132,048,500 | 3,592 |
| Average earning assets | $123,257,000 | 3,568 |
| Average equity | $17,335,000 | 3,104 |
| Average total loans | $73,139,500 | 3,555 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 2,230 |
| Cost of funding earning assets | 0.2684% | 3,173 |
| Net interest margin | 3.5471% | 1,788 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 3.2750% | 651 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.1803% | 4,461 |
| Return on assets (ROA) | 0.1926% | 4,437 |
| Pretax return on assets | 0.2398% | 4,412 |
| Return on Equity (ROE) | 1.4300% | 4,444 |
| Retained earnings to average equity (ytd only) | 1.4290% | 4,117 |
| Net charge-offs to loans | 0.0098% | 2,012 |
| Credit loss provision to net charge-offs | 928.5714% | 454 |
| Earnings coverage of net charge-offs (x) | 50.7143% | 1,349 |
| Efficiency ratio | 91.6521% | 267 |
| Assets per employee ($millions) | 5.3230% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2622% | 4,563 |
| Loan loss allowance to noncurrent loans | 29.9845% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 808 |
| Noncurrent loans to loans | 0.8746% | 851 |
| Net loans and leases to total assets | 60.2700% | 2,610 |
| Net loans and leases to deposits | 71.8538% | 2,419 |
| Net loans and leases to core deposits | 78.0474% | 2,269 |
| Total domestic deposits to total assets | 83.8800% | 3,232 |
| Equity capital to assets | 14.0768% | 568 |
| Core capital (leverage) ratio | 13.7658% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $129,253,400 | 3,643 |
| Average earning assets | $120,719,400 | 3,614 |
| Average equity | $17,425,200 | 3,172 |
| Average total loans | $71,793,400 | 3,549 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 2,311 |
| Cost of funding earning assets | 0.2308% | 2,919 |
| Net interest margin | 3.3816% | 2,033 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 3.2406% | 646 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.0855% | 4,553 |
| Return on assets (ROA) | 0.0855% | 4,524 |
| Pretax return on assets | 0.1079% | 4,513 |
| Return on Equity (ROE) | 0.6400% | 4,523 |
| Retained earnings to average equity (ytd only) | 0.6410% | 4,263 |
| Net charge-offs to loans | 0.0094% | 1,778 |
| Credit loss provision to net charge-offs | 660.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 27.8000% | 1,562 |
| Efficiency ratio | 95.1836% | 210 |
| Assets per employee ($millions) | 5.8786% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2332% | 4,612 |
| Loan loss allowance to noncurrent loans | 48.6567% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 1,925 |
| Noncurrent loans to loans | 0.4794% | 1,599 |
| Net loans and leases to total assets | 53.9100% | 3,112 |
| Net loans and leases to deposits | 62.0868% | 3,017 |
| Net loans and leases to core deposits | 67.1375% | 2,868 |
| Total domestic deposits to total assets | 86.8300% | 2,820 |
| Equity capital to assets | 13.0063% | 675 |
| Core capital (leverage) ratio | 13.1530% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $130,959,750 | 3,651 |
| Average earning assets | $122,462,000 | 3,618 |
| Average equity | $17,473,000 | 3,204 |
| Average total loans | $71,246,750 | 3,567 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3238% | 2,662 |
| Cost of funding earning assets | 0.2259% | 2,570 |
| Net interest margin | 3.0979% | 2,543 |
| Noninterest income to average assets | 0.2129% | 3,929 |
| Noninterest expense to average assets | 3.1497% | 680 |
| Loan and lease loss provision to assets | 0.0213% | 2,219 |
| Net operating income to assets | -0.0928% | 4,615 |
| Return on assets (ROA) | -0.0928% | 4,586 |
| Pretax return on assets | -0.0593% | 4,560 |
| Return on Equity (ROE) | -0.6896% | 4,581 |
| Retained earnings to average equity (ytd only) | -0.6896% | 4,263 |
| Net charge-offs to loans | -0.0056% | 3,383 |
| Credit loss provision to net charge-offs | -700.0000% | 3,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5376% | 184 |
| Assets per employee ($millions) | 5.6788% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2131% | 4,689 |
| Loan loss allowance to noncurrent loans | 58.9844% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 2,411 |
| Noncurrent loans to loans | 0.3613% | 2,064 |
| Net loans and leases to total assets | 51.8828% | 3,167 |
| Net loans and leases to deposits | 59.7524% | 3,068 |
| Net loans and leases to core deposits | 64.3635% | 2,936 |
| Total domestic deposits to total assets | 86.8296% | 3,002 |
| Equity capital to assets | 13.0288% | 661 |
| Core capital (leverage) ratio | 12.7800% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,503,000 | 3,688 |
| Average earning assets | $123,053,000 | 3,660 |
| Average equity | $17,690,333 | 3,262 |
| Average total loans | $71,701,000 | 3,591 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4783% | 1,874 |
| Cost of funding earning assets | 0.2222% | 2,502 |
| Net interest margin | 3.2561% | 1,698 |
| Noninterest income to average assets | 0.0898% | 4,544 |
| Noninterest expense to average assets | 3.0176% | 795 |
| Loan and lease loss provision to assets | 0.0124% | 2,120 |
| Net operating income to assets | 0.0341% | 4,523 |
| Return on assets (ROA) | 0.0341% | 4,502 |
| Pretax return on assets | 0.1022% | 4,444 |
| Return on Equity (ROE) | 0.2492% | 4,508 |
| Retained earnings to average equity (ytd only) | 0.2492% | 3,968 |
| Net charge-offs to loans | -0.0111% | 3,626 |
| Credit loss provision to net charge-offs | -200.0000% | 2,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6479% | 337 |
| Assets per employee ($millions) | 6.0449% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1943% | 4,716 |
| Loan loss allowance to noncurrent loans | 61.2069% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 2,573 |
| Noncurrent loans to loans | 0.3175% | 2,332 |
| Net loans and leases to total assets | 54.8392% | 2,651 |
| Net loans and leases to deposits | 63.8362% | 2,543 |
| Net loans and leases to core deposits | 69.9881% | 2,292 |
| Total domestic deposits to total assets | 85.9061% | 3,293 |
| Equity capital to assets | 13.8999% | 544 |
| Core capital (leverage) ratio | 13.6964% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,109,500 | 3,723 |
| Average earning assets | $120,634,500 | 3,707 |
| Average equity | $17,657,000 | 3,352 |
| Average total loans | $72,120,500 | 3,586 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1573% | 3,569 |
| Cost of funding earning assets | 0.1996% | 3,462 |
| Net interest margin | 2.9577% | 3,294 |
| Noninterest income to average assets | 0.3181% | 3,507 |
| Noninterest expense to average assets | 2.8722% | 1,213 |
| Loan and lease loss provision to assets | 0.1127% | 1,118 |
| Net operating income to assets | 0.0994% | 4,621 |
| Return on assets (ROA) | 0.0994% | 4,628 |
| Pretax return on assets | 0.1044% | 4,635 |
| Return on Equity (ROE) | 0.7630% | 4,624 |
| Retained earnings to average equity (ytd only) | 0.4424% | 4,389 |
| Net charge-offs to loans | -0.0013% | 3,307 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9730% | 248 |
| Assets per employee ($millions) | 5.2180% | 3,547 |
| Cash dividends to net income (ytd only)* | 42.0168% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1911% | 4,759 |
| Loan loss allowance to noncurrent loans | 33.0097% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 1,919 |
| Noncurrent loans to loans | 0.5789% | 1,694 |
| Net loans and leases to total assets | 56.7219% | 2,514 |
| Net loans and leases to deposits | 65.6379% | 2,542 |
| Net loans and leases to core deposits | 72.3537% | 2,229 |
| Total domestic deposits to total assets | 86.4164% | 2,755 |
| Equity capital to assets | 13.4383% | 785 |
| Core capital (leverage) ratio | 12.1269% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6923% | 582 |
| Memoranda: | ||
| Average total assets | $119,769,000 | 3,803 |
| Average earning assets | $112,216,600 | 3,787 |
| Average equity | $15,595,600 | 3,577 |
| Average total loans | $75,516,600 | 3,546 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0116% | 3,980 |
| Cost of funding earning assets | 0.1851% | 3,761 |
| Net interest margin | 2.8266% | 3,714 |
| Noninterest income to average assets | 0.3119% | 3,564 |
| Noninterest expense to average assets | 2.8343% | 1,259 |
| Loan and lease loss provision to assets | 0.0752% | 1,548 |
| Net operating income to assets | 0.0045% | 4,741 |
| Return on assets (ROA) | 0.0045% | 4,753 |
| Pretax return on assets | 0.0507% | 4,738 |
| Return on Equity (ROE) | 0.0349% | 4,753 |
| Retained earnings to average equity (ytd only) | -0.4012% | 4,603 |
| Net charge-offs to loans | 0.0174% | 1,710 |
| Credit loss provision to net charge-offs | 670.0000% | 660 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 2,012 |
| Efficiency ratio | 95.7398% | 198 |
| Assets per employee ($millions) | 5.3397% | 3,367 |
| Cash dividends to net income (ytd only)* | 1,250.0000% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0769% | 4,854 |
| Loan loss allowance to noncurrent loans | 12.5000% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 1,983 |
| Noncurrent loans to loans | 0.6149% | 1,774 |
| Net loans and leases to total assets | 59.2800% | 2,344 |
| Net loans and leases to deposits | 68.9488% | 2,336 |
| Net loans and leases to core deposits | 76.5123% | 2,000 |
| Total domestic deposits to total assets | 85.9769% | 2,754 |
| Equity capital to assets | 13.9115% | 755 |
| Core capital (leverage) ratio | 12.0740% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3817% | 655 |
| Memoranda: | ||
| Average total assets | $118,403,250 | 3,864 |
| Average earning assets | $110,944,500 | 3,846 |
| Average equity | $15,287,250 | 3,652 |
| Average total loans | $76,603,250 | 3,587 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6500% | 4,502 |
| Cost of funding earning assets | 0.1532% | 4,182 |
| Net interest margin | 2.4968% | 4,311 |
| Noninterest income to average assets | 0.2241% | 4,060 |
| Noninterest expense to average assets | 2.3466% | 2,625 |
| Loan and lease loss provision to assets | 0.0257% | 2,459 |
| Net operating income to assets | 0.1608% | 4,659 |
| Return on assets (ROA) | 0.1608% | 4,681 |
| Pretax return on assets | 0.1933% | 4,675 |
| Return on Equity (ROE) | 1.2800% | 4,670 |
| Retained earnings to average equity (ytd only) | 0.5991% | 4,413 |
| Net charge-offs to loans | 0.0308% | 1,354 |
| Credit loss provision to net charge-offs | 125.0000% | 1,236 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 1,794 |
| Efficiency ratio | 91.4667% | 305 |
| Assets per employee ($millions) | 5.2523% | 3,402 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0039% | 4,899 |
| Loan loss allowance to noncurrent loans | 0.6369% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 2,111 |
| Noncurrent loans to loans | 0.6153% | 1,868 |
| Net loans and leases to total assets | 60.7254% | 2,333 |
| Net loans and leases to deposits | 72.0025% | 2,203 |
| Net loans and leases to core deposits | 81.1354% | 1,784 |
| Total domestic deposits to total assets | 84.3379% | 3,331 |
| Equity capital to assets | 13.5797% | 808 |
| Core capital (leverage) ratio | 11.9477% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5339% | 754 |
| Memoranda: | ||
| Average total assets | $116,933,667 | 3,893 |
| Average earning assets | $109,660,000 | 3,879 |
| Average equity | $14,688,000 | 3,721 |
| Average total loans | $77,851,333 | 3,587 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4968% | 4,903 |
| Cost of funding earning assets | 0.2956% | 3,042 |
| Net interest margin | 1.2012% | 4,913 |
| Noninterest income to average assets | 0.1317% | 4,545 |
| Noninterest expense to average assets | 1.3277% | 4,806 |
| Loan and lease loss provision to assets | 0.0214% | 2,501 |
| Net operating income to assets | -0.0890% | 4,807 |
| Return on assets (ROA) | -0.0890% | 4,809 |
| Pretax return on assets | -0.0890% | 4,810 |
| Return on Equity (ROE) | -0.7422% | 4,815 |
| Retained earnings to average equity (ytd only) | -0.7422% | 4,434 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3672% | 141 |
| Assets per employee ($millions) | 5.2848% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0077% | 4,929 |
| Loan loss allowance to noncurrent loans | 1.0733% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 2,015 |
| Noncurrent loans to loans | 0.7204% | 1,803 |
| Net loans and leases to total assets | 63.8300% | 2,066 |
| Net loans and leases to deposits | 76.0983% | 1,897 |
| Net loans and leases to core deposits | 86.9369% | 1,461 |
| Total domestic deposits to total assets | 83.8784% | 3,474 |
| Equity capital to assets | 13.8436% | 704 |
| Core capital (leverage) ratio | 12.5740% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5390% | 727 |
| Memoranda: | ||
| Average total assets | $112,372,500 | 3,949 |
| Average earning assets | $105,561,000 | 3,923 |
| Average equity | $13,473,000 | 3,847 |
| Average total loans | $78,501,500 | 3,590 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1506% | 369 |
| Cost of funding earning assets | 1.0960% | 407 |
| Net interest margin | 4.0545% | 867 |
| Noninterest income to average assets | 0.2229% | 4,163 |
| Noninterest expense to average assets | 3.6618% | 557 |
| Loan and lease loss provision to assets | 0.1598% | 2,373 |
| Net operating income to assets | 0.1745% | 4,605 |
| Return on assets (ROA) | 0.1745% | 4,660 |
| Pretax return on assets | 0.2166% | 4,639 |
| Return on Equity (ROE) | 1.6922% | 4,599 |
| Retained earnings to average equity (ytd only) | 1.6922% | 3,955 |
| Net charge-offs to loans | 0.0568% | 1,963 |
| Credit loss provision to net charge-offs | 353.4884% | 1,572 |
| Earnings coverage of net charge-offs (x) | 8.3256% | 2,613 |
| Efficiency ratio | 90.6795% | 353 |
| Assets per employee ($millions) | 4.9140% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 4,174 |
| Loan loss allowance to noncurrent loans | 287.6000% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 3,075 |
| Noncurrent loans to loans | 0.3148% | 3,071 |
| Net loans and leases to total assets | 76.2564% | 756 |
| Net loans and leases to deposits | 87.0795% | 1,170 |
| Net loans and leases to core deposits | 97.6122% | 1,028 |
| Total domestic deposits to total assets | 87.5710% | 1,672 |
| Equity capital to assets | 9.8058% | 3,313 |
| Core capital (leverage) ratio | 9.8590% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9732% | 1,860 |
| Memoranda: | ||
| Average total assets | $95,118,000 | 4,053 |
| Average earning assets | $89,505,000 | 4,037 |
| Average equity | $9,809,800 | 4,214 |
| Average total loans | $75,688,200 | 3,628 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4333% | 265 |
| Cost of funding earning assets | 1.1354% | 463 |
| Net interest margin | 4.2979% | 584 |
| Noninterest income to average assets | 0.2377% | 4,070 |
| Noninterest expense to average assets | 3.8596% | 429 |
| Loan and lease loss provision to assets | 0.1633% | 2,368 |
| Net operating income to assets | 0.1991% | 4,597 |
| Return on assets (ROA) | 0.1991% | 4,639 |
| Pretax return on assets | 0.2535% | 4,603 |
| Return on Equity (ROE) | 1.9042% | 4,561 |
| Retained earnings to average equity (ytd only) | 1.9042% | 3,962 |
| Net charge-offs to loans | 0.0428% | 2,011 |
| Credit loss provision to net charge-offs | 475.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 12.1250% | 2,263 |
| Efficiency ratio | 90.2545% | 358 |
| Assets per employee ($millions) | 4.6765% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 4,107 |
| Loan loss allowance to noncurrent loans | 210.2102% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 2,781 |
| Noncurrent loans to loans | 0.4226% | 2,791 |
| Net loans and leases to total assets | 79.5228% | 652 |
| Net loans and leases to deposits | 88.8243% | 1,393 |
| Net loans and leases to core deposits | 99.2212% | 1,218 |
| Total domestic deposits to total assets | 89.5282% | 576 |
| Equity capital to assets | 10.2854% | 2,978 |
| Core capital (leverage) ratio | 10.2571% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3289% | 1,720 |
| Memoranda: | ||
| Average total assets | $93,099,000 | 4,079 |
| Average earning assets | $87,482,500 | 4,062 |
| Average equity | $9,732,500 | 4,235 |
| Average total loans | $74,757,500 | 3,663 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1818% | 589 |
| Cost of funding earning assets | 1.1800% | 541 |
| Net interest margin | 4.0018% | 1,319 |
| Noninterest income to average assets | 0.2583% | 3,928 |
| Noninterest expense to average assets | 3.9386% | 435 |
| Loan and lease loss provision to assets | 0.2496% | 1,685 |
| Net operating income to assets | -0.1883% | 4,859 |
| Return on assets (ROA) | -0.1883% | 4,859 |
| Pretax return on assets | -0.1730% | 4,842 |
| Return on Equity (ROE) | -1.7978% | 4,869 |
| Retained earnings to average equity (ytd only) | -1.7978% | 4,568 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0916% | 203 |
| Assets per employee ($millions) | 4.5522% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 3,954 |
| Loan loss allowance to noncurrent loans | 196.2060% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 2,750 |
| Noncurrent loans to loans | 0.4640% | 2,750 |
| Net loans and leases to total assets | 82.4335% | 379 |
| Net loans and leases to deposits | 92.0758% | 1,150 |
| Net loans and leases to core deposits | 103.1385% | 1,052 |
| Total domestic deposits to total assets | 89.5279% | 561 |
| Equity capital to assets | 10.3047% | 2,922 |
| Core capital (leverage) ratio | 10.2163% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6752% | 1,935 |
| Memoranda: | ||
| Average total assets | $91,351,667 | 4,107 |
| Average earning assets | $85,761,667 | 4,086 |
| Average equity | $9,567,000 | 4,268 |
| Average total loans | $73,366,333 | 3,690 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3399% | 509 |
| Cost of funding earning assets | 1.2047% | 763 |
| Net interest margin | 4.1352% | 1,066 |
| Noninterest income to average assets | 0.2555% | 4,012 |
| Noninterest expense to average assets | 4.0794% | 465 |
| Loan and lease loss provision to assets | 0.0179% | 3,569 |
| Net operating income to assets | 0.0269% | 4,732 |
| Return on assets (ROA) | 0.0269% | 4,720 |
| Pretax return on assets | 0.0359% | 4,713 |
| Return on Equity (ROE) | 0.2546% | 4,717 |
| Retained earnings to average equity (ytd only) | 0.2546% | 3,932 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6985% | 262 |
| Assets per employee ($millions) | 4.2722% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 4,212 |
| Loan loss allowance to noncurrent loans | 166.8478% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 2,819 |
| Noncurrent loans to loans | 0.5232% | 2,693 |
| Net loans and leases to total assets | 77.7119% | 1,020 |
| Net loans and leases to deposits | 87.1141% | 1,853 |
| Net loans and leases to core deposits | 99.2724% | 1,530 |
| Total domestic deposits to total assets | 89.2071% | 582 |
| Equity capital to assets | 10.5644% | 3,262 |
| Core capital (leverage) ratio | 10.6182% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7060% | 2,390 |
| Memoranda: | ||
| Average total assets | $89,229,000 | 4,129 |
| Average earning assets | $83,672,500 | 4,113 |
| Average equity | $9,425,000 | 4,307 |
| Average total loans | $70,285,500 | 3,758 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6312% | 450 |
| Cost of funding earning assets | 1.2484% | 898 |
| Net interest margin | 4.3828% | 925 |
| Noninterest income to average assets | 0.2772% | 4,022 |
| Noninterest expense to average assets | 3.6761% | 782 |
| Loan and lease loss provision to assets | 0.1162% | 1,817 |
| Net operating income to assets | 0.4624% | 4,483 |
| Return on assets (ROA) | 0.4624% | 4,522 |
| Pretax return on assets | 0.5797% | 4,442 |
| Return on Equity (ROE) | 4.4239% | 4,363 |
| Retained earnings to average equity (ytd only) | 4.4239% | 2,747 |
| Net charge-offs to loans | 0.0644% | 2,175 |
| Credit loss provision to net charge-offs | 224.4444% | 1,190 |
| Earnings coverage of net charge-offs (x) | 13.4444% | 2,359 |
| Efficiency ratio | 84.0831% | 652 |
| Assets per employee ($millions) | 4.2258% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8685% | 4,092 |
| Loan loss allowance to noncurrent loans | 162.2340% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 2,701 |
| Noncurrent loans to loans | 0.5353% | 2,569 |
| Net loans and leases to total assets | 78.4600% | 1,003 |
| Net loans and leases to deposits | 87.8896% | 1,863 |
| Net loans and leases to core deposits | 102.4710% | 1,362 |
| Total domestic deposits to total assets | 89.2711% | 570 |
| Equity capital to assets | 10.5610% | 3,389 |
| Core capital (leverage) ratio | 10.5613% | 2,895 |
| Tier 1 risk-based capital ratio | 13.0246% | 3,781 |
| Total risk-based capital ratio | 13.8739% | 3,879 |
| Memoranda: | ||
| Average total assets | $86,939,000 | 4,187 |
| Average earning assets | $81,226,600 | 4,163 |
| Average equity | $9,087,000 | 4,364 |
| Average total loans | $69,837,400 | 3,782 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6205% | 472 |
| Cost of funding earning assets | 1.2470% | 920 |
| Net interest margin | 4.3735% | 1,002 |
| Noninterest income to average assets | 0.2790% | 4,079 |
| Noninterest expense to average assets | 3.7415% | 705 |
| Loan and lease loss provision to assets | 0.1449% | 1,322 |
| Net operating income to assets | 0.3731% | 4,763 |
| Return on assets (ROA) | 0.3731% | 4,786 |
| Pretax return on assets | 0.4748% | 4,731 |
| Return on Equity (ROE) | 3.5788% | 4,658 |
| Retained earnings to average equity (ytd only) | 3.5788% | 3,612 |
| Net charge-offs to loans | 0.0860% | 1,618 |
| Credit loss provision to net charge-offs | 208.8889% | 1,264 |
| Earnings coverage of net charge-offs (x) | 8.9332% | 2,609 |
| Efficiency ratio | 85.7900% | 513 |
| Assets per employee ($millions) | 4.1745% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8381% | 4,278 |
| Loan loss allowance to noncurrent loans | 139.2610% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 2,548 |
| Noncurrent loans to loans | 0.6018% | 2,477 |
| Net loans and leases to total assets | 81.3871% | 648 |
| Net loans and leases to deposits | 91.0888% | 1,553 |
| Net loans and leases to core deposits | 111.2882% | 883 |
| Total domestic deposits to total assets | 89.3492% | 500 |
| Equity capital to assets | 10.5036% | 3,539 |
| Core capital (leverage) ratio | 10.5496% | 3,057 |
| Tier 1 risk-based capital ratio | 12.2066% | 4,303 |
| Total risk-based capital ratio | 13.0072% | 4,436 |
| Memoranda: | ||
| Average total assets | $86,488,250 | 4,245 |
| Average earning assets | $80,726,750 | 4,225 |
| Average equity | $9,015,750 | 4,423 |
| Average total loans | $69,737,500 | 3,819 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5699% | 500 |
| Cost of funding earning assets | 1.2386% | 898 |
| Net interest margin | 4.3313% | 1,080 |
| Noninterest income to average assets | 0.2904% | 3,999 |
| Noninterest expense to average assets | 3.8840% | 609 |
| Loan and lease loss provision to assets | 0.1626% | 1,117 |
| Net operating income to assets | 0.2184% | 4,974 |
| Return on assets (ROA) | 0.2184% | 4,986 |
| Pretax return on assets | 0.2811% | 4,952 |
| Return on Equity (ROE) | 2.1002% | 4,926 |
| Retained earnings to average equity (ytd only) | 2.1002% | 4,082 |
| Net charge-offs to loans | 0.0870% | 1,493 |
| Credit loss provision to net charge-offs | 233.3333% | 1,079 |
| Earnings coverage of net charge-offs (x) | 6.3667% | 2,576 |
| Efficiency ratio | 89.7477% | 357 |
| Assets per employee ($millions) | 4.1910% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 4,231 |
| Loan loss allowance to noncurrent loans | 109.3923% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 2,175 |
| Noncurrent loans to loans | 0.7872% | 2,021 |
| Net loans and leases to total assets | 77.7059% | 1,276 |
| Net loans and leases to deposits | 86.7297% | 2,167 |
| Net loans and leases to core deposits | 107.0535% | 1,174 |
| Total domestic deposits to total assets | 89.5955% | 451 |
| Equity capital to assets | 10.2772% | 3,721 |
| Core capital (leverage) ratio | 10.3678% | 3,226 |
| Tier 1 risk-based capital ratio | 12.4721% | 4,141 |
| Total risk-based capital ratio | 13.2911% | 4,279 |
| Memoranda: | ||
| Average total assets | $86,096,000 | 4,281 |
| Average earning assets | $80,252,670 | 4,259 |
| Average equity | $8,951,670 | 4,448 |
| Average total loans | $68,999,670 | 3,857 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4773% | 542 |
| Cost of funding earning assets | 1.2177% | 855 |
| Net interest margin | 4.2596% | 1,171 |
| Noninterest income to average assets | 0.3242% | 3,691 |
| Noninterest expense to average assets | 3.8196% | 643 |
| Loan and lease loss provision to assets | 0.2866% | 469 |
| Net operating income to assets | 0.1409% | 5,060 |
| Return on assets (ROA) | 0.1409% | 5,065 |
| Pretax return on assets | 0.1785% | 5,047 |
| Return on Equity (ROE) | 1.3476% | 5,046 |
| Retained earnings to average equity (ytd only) | 1.3476% | 4,243 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1447% | 428 |
| Assets per employee ($millions) | 4.3119% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 4,296 |
| Loan loss allowance to noncurrent loans | 108.6572% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6563% | 2,128 |
| Noncurrent loans to loans | 0.7920% | 2,057 |
| Net loans and leases to total assets | 82.1529% | 573 |
| Net loans and leases to deposits | 93.7489% | 1,200 |
| Net loans and leases to core deposits | 116.0475% | 647 |
| Total domestic deposits to total assets | 87.6307% | 1,504 |
| Equity capital to assets | 10.3852% | 3,437 |
| Core capital (leverage) ratio | 10.5853% | 2,958 |
| Tier 1 risk-based capital ratio | 11.9864% | 4,468 |
| Total risk-based capital ratio | 12.8071% | 4,597 |
| Memoranda: | ||
| Average total assets | $85,139,000 | 4,341 |
| Average earning assets | $79,162,500 | 4,321 |
| Average equity | $8,905,000 | 4,476 |
| Average total loans | $69,008,000 | 3,890 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3747% | 501 |
| Cost of funding earning assets | 0.9683% | 850 |
| Net interest margin | 4.4064% | 920 |
| Noninterest income to average assets | 0.2691% | 4,305 |
| Noninterest expense to average assets | 3.5689% | 906 |
| Loan and lease loss provision to assets | 0.0210% | 3,741 |
| Net operating income to assets | 0.6506% | 4,282 |
| Return on assets (ROA) | 0.6506% | 4,291 |
| Pretax return on assets | 0.8197% | 4,114 |
| Return on Equity (ROE) | 6.1239% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.5894% | 2,424 |
| Net charge-offs to loans | 0.0540% | 2,375 |
| Credit loss provision to net charge-offs | 48.5714% | 3,211 |
| Earnings coverage of net charge-offs (x) | 19.4571% | 2,061 |
| Efficiency ratio | 80.9351% | 878 |
| Assets per employee ($millions) | 4.0019% | 3,889 |
| Cash dividends to net income (ytd only)* | 8.7287% | 3,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8324% | 4,429 |
| Loan loss allowance to noncurrent loans | 77.6999% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.3482% | 930 |
| Noncurrent loans to loans | 1.0713% | 1,522 |
| Net loans and leases to total assets | 78.5340% | 1,175 |
| Net loans and leases to deposits | 89.7080% | 1,832 |
| Net loans and leases to core deposits | 111.3473% | 915 |
| Total domestic deposits to total assets | 87.5440% | 1,512 |
| Equity capital to assets | 10.5355% | 3,146 |
| Core capital (leverage) ratio | 10.6165% | 2,913 |
| Tier 1 risk-based capital ratio | 12.4882% | 4,147 |
| Total risk-based capital ratio | 13.2611% | 4,316 |
| Memoranda: | ||
| Average total assets | $81,006,000 | 4,416 |
| Average earning assets | $76,116,400 | 4,375 |
| Average equity | $8,605,600 | 4,508 |
| Average total loans | $64,786,200 | 3,989 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3299% | 500 |
| Cost of funding earning assets | 0.9001% | 921 |
| Net interest margin | 4.4298% | 848 |
| Noninterest income to average assets | 0.2658% | 4,371 |
| Noninterest expense to average assets | 3.5788% | 885 |
| Loan and lease loss provision to assets | 0.0133% | 3,731 |
| Net operating income to assets | 0.6729% | 4,312 |
| Return on assets (ROA) | 0.6729% | 4,324 |
| Pretax return on assets | 0.8524% | 4,162 |
| Return on Equity (ROE) | 6.3205% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.6025% | 2,884 |
| Net charge-offs to loans | 0.0435% | 2,226 |
| Credit loss provision to net charge-offs | 38.0952% | 2,917 |
| Earnings coverage of net charge-offs (x) | 24.8089% | 1,796 |
| Efficiency ratio | 80.5234% | 898 |
| Assets per employee ($millions) | 3.7213% | 4,278 |
| Cash dividends to net income (ytd only)* | 11.3576% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 4,449 |
| Loan loss allowance to noncurrent loans | 47.5340% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.4365% | 914 |
| Noncurrent loans to loans | 1.7943% | 855 |
| Net loans and leases to total assets | 79.3741% | 1,112 |
| Net loans and leases to deposits | 90.8788% | 1,779 |
| Net loans and leases to core deposits | 108.3864% | 1,141 |
| Total domestic deposits to total assets | 87.3406% | 1,580 |
| Equity capital to assets | 10.6037% | 3,042 |
| Core capital (leverage) ratio | 10.7490% | 2,842 |
| Tier 1 risk-based capital ratio | 12.7505% | 4,053 |
| Total risk-based capital ratio | 13.5563% | 4,209 |
| Memoranda: | ||
| Average total assets | $80,247,500 | 4,470 |
| Average earning assets | $75,696,750 | 4,432 |
| Average equity | $8,543,500 | 4,563 |
| Average total loans | $64,344,250 | 4,038 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2314% | 527 |
| Cost of funding earning assets | 0.8124% | 1,074 |
| Net interest margin | 4.4191% | 815 |
| Noninterest income to average assets | 0.2710% | 4,378 |
| Noninterest expense to average assets | 3.5129% | 984 |
| Loan and lease loss provision to assets | 0.0201% | 3,502 |
| Net operating income to assets | 0.7327% | 4,096 |
| Return on assets (ROA) | 0.7327% | 4,092 |
| Pretax return on assets | 0.9284% | 3,876 |
| Return on Equity (ROE) | 6.8725% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.8725% | 2,129 |
| Net charge-offs to loans | 0.0657% | 1,685 |
| Credit loss provision to net charge-offs | 38.0952% | 2,575 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,926 |
| Efficiency ratio | 78.7402% | 1,141 |
| Assets per employee ($millions) | 4.0029% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 4,543 |
| Loan loss allowance to noncurrent loans | 42.8352% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.5524% | 846 |
| Noncurrent loans to loans | 1.9930% | 756 |
| Net loans and leases to total assets | 77.2284% | 1,437 |
| Net loans and leases to deposits | 87.9566% | 2,118 |
| Net loans and leases to core deposits | 104.8891% | 1,323 |
| Total domestic deposits to total assets | 87.8029% | 1,471 |
| Equity capital to assets | 10.2640% | 3,375 |
| Core capital (leverage) ratio | 11.1688% | 2,370 |
| Tier 1 risk-based capital ratio | 12.2912% | 4,314 |
| Total risk-based capital ratio | 13.0739% | 4,489 |
| Memoranda: | ||
| Average total assets | $79,707,330 | 4,520 |
| Average earning assets | $75,581,670 | 4,481 |
| Average equity | $8,497,670 | 4,611 |
| Average total loans | $63,945,330 | 4,070 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2442% | 450 |
| Cost of funding earning assets | 0.7877% | 1,003 |
| Net interest margin | 4.4565% | 673 |
| Noninterest income to average assets | 0.2683% | 4,378 |
| Noninterest expense to average assets | 3.6270% | 846 |
| Loan and lease loss provision to assets | 0.0413% | 2,929 |
| Net operating income to assets | 0.6810% | 4,169 |
| Return on assets (ROA) | 0.6810% | 4,174 |
| Pretax return on assets | 0.8616% | 3,978 |
| Return on Equity (ROE) | 6.2615% | 4,074 |
| Retained earnings to average equity (ytd only) | 6.2615% | 2,602 |
| Net charge-offs to loans | 0.1330% | 1,011 |
| Credit loss provision to net charge-offs | 38.0952% | 2,029 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,040 |
| Efficiency ratio | 80.0683% | 1,132 |
| Assets per employee ($millions) | 3.9368% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8808% | 4,527 |
| Loan loss allowance to noncurrent loans | 42.2844% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.6790% | 771 |
| Noncurrent loans to loans | 2.0830% | 749 |
| Net loans and leases to total assets | 79.8961% | 949 |
| Net loans and leases to deposits | 89.7748% | 1,716 |
| Net loans and leases to core deposits | 102.3760% | 1,495 |
| Total domestic deposits to total assets | 88.9961% | 1,088 |
| Equity capital to assets | 10.7537% | 2,819 |
| Core capital (leverage) ratio | 11.1567% | 2,274 |
| Tier 1 risk-based capital ratio | 12.6862% | 4,121 |
| Total risk-based capital ratio | 13.5092% | 4,295 |
| Memoranda: | ||
| Average total assets | $77,530,500 | 4,614 |
| Average earning assets | $74,139,000 | 4,550 |
| Average equity | $8,432,500 | 4,678 |
| Average total loans | $63,179,000 | 4,124 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4785% | 274 |
| Cost of funding earning assets | 0.8043% | 602 |
| Net interest margin | 4.6742% | 440 |
| Noninterest income to average assets | 0.3104% | 4,239 |
| Noninterest expense to average assets | 3.4405% | 1,135 |
| Loan and lease loss provision to assets | 0.0792% | 2,608 |
| Net operating income to assets | 0.7528% | 3,382 |
| Return on assets (ROA) | 0.7528% | 3,419 |
| Pretax return on assets | 1.3498% | 2,172 |
| Return on Equity (ROE) | 6.9870% | 3,285 |
| Retained earnings to average equity (ytd only) | 6.9870% | 1,078 |
| Net charge-offs to loans | 0.0216% | 3,382 |
| Credit loss provision to net charge-offs | 461.5385% | 679 |
| Earnings coverage of net charge-offs (x) | 83.2308% | 743 |
| Efficiency ratio | 70.6536% | 2,447 |
| Assets per employee ($millions) | 3.6345% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 4,425 |
| Loan loss allowance to noncurrent loans | 49.4810% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.5146% | 900 |
| Noncurrent loans to loans | 1.8381% | 864 |
| Net loans and leases to total assets | 81.6508% | 732 |
| Net loans and leases to deposits | 92.2808% | 1,483 |
| Net loans and leases to core deposits | 107.5373% | 1,174 |
| Total domestic deposits to total assets | 88.4808% | 1,260 |
| Equity capital to assets | 11.0029% | 2,618 |
| Core capital (leverage) ratio | 11.0652% | 2,273 |
| Tier 1 risk-based capital ratio | 13.1610% | 3,811 |
| Total risk-based capital ratio | 14.0482% | 3,931 |
| Memoranda: | ||
| Average total assets | $75,716,200 | 4,675 |
| Average earning assets | $73,852,600 | 4,583 |
| Average equity | $8,158,000 | 4,760 |
| Average total loans | $60,203,400 | 4,202 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4612% | 270 |
| Cost of funding earning assets | 0.7974% | 588 |
| Net interest margin | 4.6638% | 441 |
| Noninterest income to average assets | 0.3264% | 4,201 |
| Noninterest expense to average assets | 3.4725% | 1,035 |
| Loan and lease loss provision to assets | 0.0970% | 2,165 |
| Net operating income to assets | 0.8734% | 3,157 |
| Return on assets (ROA) | 0.8734% | 3,209 |
| Pretax return on assets | 1.3180% | 2,403 |
| Return on Equity (ROE) | 8.1499% | 3,047 |
| Retained earnings to average equity (ytd only) | 8.1499% | 1,164 |
| Net charge-offs to loans | 0.0269% | 2,899 |
| Credit loss provision to net charge-offs | 458.3333% | 694 |
| Earnings coverage of net charge-offs (x) | 66.8319% | 931 |
| Efficiency ratio | 71.0469% | 2,358 |
| Assets per employee ($millions) | 3.8480% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 4,548 |
| Loan loss allowance to noncurrent loans | 65.9698% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.1188% | 1,482 |
| Noncurrent loans to loans | 1.3713% | 1,372 |
| Net loans and leases to total assets | 80.8495% | 866 |
| Net loans and leases to deposits | 90.8269% | 1,712 |
| Net loans and leases to core deposits | 108.9036% | 1,100 |
| Total domestic deposits to total assets | 89.0149% | 882 |
| Equity capital to assets | 10.8603% | 3,008 |
| Core capital (leverage) ratio | 10.6946% | 2,773 |
| Tier 1 risk-based capital ratio | 13.2408% | 3,853 |
| Total risk-based capital ratio | 14.1366% | 3,994 |
| Memoranda: | ||
| Average total assets | $75,564,000 | 4,725 |
| Average earning assets | $73,901,000 | 4,630 |
| Average equity | $8,098,000 | 4,825 |
| Average total loans | $59,531,250 | 4,256 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4741% | 255 |
| Cost of funding earning assets | 0.7820% | 573 |
| Net interest margin | 4.6921% | 396 |
| Noninterest income to average assets | 0.3515% | 4,040 |
| Noninterest expense to average assets | 3.5207% | 981 |
| Loan and lease loss provision to assets | 0.0506% | 2,977 |
| Net operating income to assets | 0.9161% | 2,830 |
| Return on assets (ROA) | 0.9161% | 2,881 |
| Pretax return on assets | 1.3822% | 2,091 |
| Return on Equity (ROE) | 8.5878% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.5878% | 972 |
| Net charge-offs to loans | 0.0411% | 2,375 |
| Credit loss provision to net charge-offs | 158.3333% | 1,475 |
| Earnings coverage of net charge-offs (x) | 44.8333% | 1,161 |
| Efficiency ratio | 71.0753% | 2,500 |
| Assets per employee ($millions) | 4.0728% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8921% | 4,669 |
| Loan loss allowance to noncurrent loans | 64.1737% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.0713% | 1,629 |
| Noncurrent loans to loans | 1.3901% | 1,387 |
| Net loans and leases to total assets | 76.3772% | 1,486 |
| Net loans and leases to deposits | 85.6379% | 2,269 |
| Net loans and leases to core deposits | 102.5791% | 1,463 |
| Total domestic deposits to total assets | 89.1863% | 865 |
| Equity capital to assets | 10.5928% | 3,236 |
| Core capital (leverage) ratio | 10.7582% | 2,642 |
| Tier 1 risk-based capital ratio | 13.7715% | 3,553 |
| Total risk-based capital ratio | 14.6601% | 3,660 |
| Memoranda: | ||
| Average total assets | $75,099,000 | 4,764 |
| Average earning assets | $73,655,670 | 4,665 |
| Average equity | $8,011,330 | 4,859 |
| Average total loans | $58,445,330 | 4,300 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8847% | 140 |
| Cost of funding earning assets | 0.7839% | 540 |
| Net interest margin | 5.1008% | 186 |
| Noninterest income to average assets | 0.3948% | 3,702 |
| Noninterest expense to average assets | 3.5372% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2277% | 1,436 |
| Return on assets (ROA) | 1.2277% | 1,474 |
| Pretax return on assets | 1.8551% | 713 |
| Return on Equity (ROE) | 11.4668% | 1,413 |
| Retained earnings to average equity (ytd only) | 11.4668% | 537 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5968% | 3,559 |
| Assets per employee ($millions) | 3.5975% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 4,635 |
| Loan loss allowance to noncurrent loans | 59.0551% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.1768% | 1,495 |
| Noncurrent loans to loans | 1.5767% | 1,241 |
| Net loans and leases to total assets | 73.9394% | 1,752 |
| Net loans and leases to deposits | 82.9507% | 2,399 |
| Net loans and leases to core deposits | 91.7707% | 2,187 |
| Total domestic deposits to total assets | 89.1366% | 1,087 |
| Equity capital to assets | 10.6530% | 3,010 |
| Core capital (leverage) ratio | 10.9017% | 2,476 |
| Tier 1 risk-based capital ratio | 13.9960% | 3,482 |
| Total risk-based capital ratio | 14.9139% | 3,586 |
| Memoranda: | ||
| Average total assets | $73,957,000 | 4,833 |
| Average earning assets | $72,459,000 | 4,732 |
| Average equity | $7,918,500 | 4,919 |
| Average total loans | $57,850,500 | 4,353 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2388% | 387 |
| Cost of funding earning assets | 0.7317% | 693 |
| Net interest margin | 4.5071% | 612 |
| Noninterest income to average assets | 0.3846% | 4,004 |
| Noninterest expense to average assets | 3.7861% | 787 |
| Loan and lease loss provision to assets | 0.1377% | 1,814 |
| Net operating income to assets | 0.5702% | 4,346 |
| Return on assets (ROA) | 0.5702% | 4,450 |
| Pretax return on assets | 0.8575% | 3,986 |
| Return on Equity (ROE) | 4.9622% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.9622% | 2,371 |
| Net charge-offs to loans | -0.0037% | 4,766 |
| Credit loss provision to net charge-offs | -4,600.0000% | 5,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1862% | 1,525 |
| Assets per employee ($millions) | 3.6184% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 4,840 |
| Loan loss allowance to noncurrent loans | 17.0068% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 4.2658% | 168 |
| Noncurrent loans to loans | 5.2042% | 146 |
| Net loans and leases to total assets | 81.2414% | 706 |
| Net loans and leases to deposits | 91.2537% | 1,541 |
| Net loans and leases to core deposits | 110.4781% | 865 |
| Total domestic deposits to total assets | 89.0281% | 1,108 |
| Equity capital to assets | 10.7632% | 2,854 |
| Core capital (leverage) ratio | 10.8154% | 2,520 |
| Tier 1 risk-based capital ratio | 13.1238% | 3,984 |
| Total risk-based capital ratio | 14.0123% | 4,116 |
| Memoranda: | ||
| Average total assets | $66,823,200 | 4,992 |
| Average earning assets | $65,186,400 | 4,913 |
| Average equity | $7,678,000 | 4,982 |
| Average total loans | $54,134,400 | 4,451 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2397% | 400 |
| Cost of funding earning assets | 0.7064% | 790 |
| Net interest margin | 4.5333% | 585 |
| Noninterest income to average assets | 0.3586% | 4,211 |
| Noninterest expense to average assets | 3.8713% | 696 |
| Loan and lease loss provision to assets | 0.1161% | 1,992 |
| Net operating income to assets | 0.5257% | 4,590 |
| Return on assets (ROA) | 0.5257% | 4,694 |
| Pretax return on assets | 0.7906% | 4,335 |
| Return on Equity (ROE) | 4.4965% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.4965% | 3,137 |
| Net charge-offs to loans | 0.0051% | 3,731 |
| Credit loss provision to net charge-offs | 2,850.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 222.2172% | 349 |
| Efficiency ratio | 81.0235% | 1,294 |
| Assets per employee ($millions) | 3.5022% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 5,013 |
| Loan loss allowance to noncurrent loans | 15.5620% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 4.4586% | 176 |
| Noncurrent loans to loans | 5.5107% | 138 |
| Net loans and leases to total assets | 80.2153% | 861 |
| Net loans and leases to deposits | 90.4330% | 1,699 |
| Net loans and leases to core deposits | 109.0059% | 984 |
| Total domestic deposits to total assets | 88.7014% | 1,048 |
| Equity capital to assets | 11.1116% | 2,908 |
| Core capital (leverage) ratio | 11.1723% | 2,293 |
| Tier 1 risk-based capital ratio | 13.2637% | 4,000 |
| Total risk-based capital ratio | 14.1153% | 4,153 |
| Memoranda: | ||
| Average total assets | $65,437,250 | 5,063 |
| Average earning assets | $63,793,500 | 4,987 |
| Average equity | $7,650,250 | 5,038 |
| Average total loans | $52,838,750 | 4,531 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3458% | 328 |
| Cost of funding earning assets | 0.6847% | 861 |
| Net interest margin | 4.6611% | 448 |
| Noninterest income to average assets | 0.3349% | 4,389 |
| Noninterest expense to average assets | 3.9342% | 651 |
| Loan and lease loss provision to assets | 0.0720% | 2,696 |
| Net operating income to assets | 0.5728% | 4,385 |
| Return on assets (ROA) | 0.5728% | 4,510 |
| Pretax return on assets | 0.8670% | 4,061 |
| Return on Equity (ROE) | 4.8120% | 4,597 |
| Retained earnings to average equity (ytd only) | 4.8120% | 2,862 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7322% | 1,411 |
| Assets per employee ($millions) | 3.5045% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8451% | 5,146 |
| Loan loss allowance to noncurrent loans | 13.9470% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 4.8779% | 157 |
| Noncurrent loans to loans | 6.0590% | 117 |
| Net loans and leases to total assets | 79.8261% | 937 |
| Net loans and leases to deposits | 90.4547% | 1,698 |
| Net loans and leases to core deposits | 97.6108% | 1,845 |
| Total domestic deposits to total assets | 88.2498% | 1,297 |
| Equity capital to assets | 11.5880% | 2,455 |
| Core capital (leverage) ratio | 11.9340% | 1,678 |
| Tier 1 risk-based capital ratio | 14.0004% | 3,603 |
| Total risk-based capital ratio | 14.8507% | 3,759 |
| Memoranda: | ||
| Average total assets | $63,901,670 | 5,148 |
| Average earning assets | $62,216,670 | 5,068 |
| Average equity | $7,606,000 | 5,086 |
| Average total loans | $51,561,000 | 4,601 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4151% | 290 |
| Cost of funding earning assets | 0.6974% | 817 |
| Net interest margin | 4.7176% | 414 |
| Noninterest income to average assets | 0.3772% | 4,009 |
| Noninterest expense to average assets | 4.0410% | 576 |
| Loan and lease loss provision to assets | 0.0320% | 3,237 |
| Net operating income to assets | 0.5882% | 4,234 |
| Return on assets (ROA) | 0.5882% | 4,351 |
| Pretax return on assets | 0.8888% | 3,893 |
| Return on Equity (ROE) | 4.8735% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.8735% | 3,018 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4433% | 1,427 |
| Assets per employee ($millions) | 3.3228% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 5,188 |
| Loan loss allowance to noncurrent loans | 13.0892% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 5.2762% | 147 |
| Noncurrent loans to loans | 6.5692% | 118 |
| Net loans and leases to total assets | 79.6256% | 870 |
| Net loans and leases to deposits | 90.8073% | 1,485 |
| Net loans and leases to core deposits | 101.7076% | 1,362 |
| Total domestic deposits to total assets | 87.6863% | 1,808 |
| Equity capital to assets | 12.0460% | 1,999 |
| Core capital (leverage) ratio | 11.8146% | 1,736 |
| Tier 1 risk-based capital ratio | 14.1349% | 3,603 |
| Total risk-based capital ratio | 14.9765% | 3,789 |
| Memoranda: | ||
| Average total assets | $62,559,500 | 5,235 |
| Average earning assets | $60,793,500 | 5,135 |
| Average equity | $7,551,000 | 5,132 |
| Average total loans | $50,538,500 | 4,655 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4071% | 317 |
| Cost of funding earning assets | 0.7034% | 806 |
| Net interest margin | 4.7037% | 445 |
| Noninterest income to average assets | 0.3450% | 4,446 |
| Noninterest expense to average assets | 4.0482% | 625 |
| Loan and lease loss provision to assets | 0.1571% | 1,485 |
| Net operating income to assets | 0.4714% | 4,807 |
| Return on assets (ROA) | 0.4714% | 4,886 |
| Pretax return on assets | 0.7089% | 4,512 |
| Return on Equity (ROE) | 3.7611% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.7611% | 3,367 |
| Net charge-offs to loans | 0.1024% | 2,389 |
| Credit loss provision to net charge-offs | 204.4444% | 1,366 |
| Earnings coverage of net charge-offs (x) | 11.2667% | 2,602 |
| Efficiency ratio | 82.3775% | 1,357 |
| Assets per employee ($millions) | 2.9517% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 5,206 |
| Loan loss allowance to noncurrent loans | 43.8315% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 1.6084% | 1,225 |
| Noncurrent loans to loans | 1.9793% | 1,062 |
| Net loans and leases to total assets | 80.5569% | 769 |
| Net loans and leases to deposits | 91.9442% | 1,409 |
| Net loans and leases to core deposits | 102.6583% | 1,317 |
| Total domestic deposits to total assets | 87.6149% | 1,839 |
| Equity capital to assets | 12.0947% | 1,884 |
| Core capital (leverage) ratio | 11.9547% | 1,647 |
| Tier 1 risk-based capital ratio | 13.8829% | 3,780 |
| Total risk-based capital ratio | 14.7310% | 3,956 |
| Memoranda: | ||
| Average total assets | $58,545,200 | 5,353 |
| Average earning assets | $56,870,000 | 5,269 |
| Average equity | $7,338,200 | 5,183 |
| Average total loans | $43,962,400 | 4,858 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3016% | 373 |
| Cost of funding earning assets | 0.7094% | 803 |
| Net interest margin | 4.5922% | 555 |
| Noninterest income to average assets | 0.3143% | 4,693 |
| Noninterest expense to average assets | 4.0888% | 605 |
| Loan and lease loss provision to assets | 0.1433% | 1,536 |
| Net operating income to assets | 0.3629% | 5,284 |
| Return on assets (ROA) | 0.3629% | 5,368 |
| Pretax return on assets | 0.5409% | 5,125 |
| Return on Equity (ROE) | 2.8681% | 5,433 |
| Retained earnings to average equity (ytd only) | 2.8681% | 4,402 |
| Net charge-offs to loans | 0.1637% | 1,517 |
| Credit loss provision to net charge-offs | 119.2308% | 1,998 |
| Earnings coverage of net charge-offs (x) | 5.6925% | 3,169 |
| Efficiency ratio | 85.6659% | 1,023 |
| Assets per employee ($millions) | 3.7408% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8562% | 5,345 |
| Loan loss allowance to noncurrent loans | 39.9600% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 1.6725% | 1,303 |
| Noncurrent loans to loans | 2.1426% | 1,044 |
| Net loans and leases to total assets | 77.3909% | 1,193 |
| Net loans and leases to deposits | 88.6151% | 1,821 |
| Net loans and leases to core deposits | 98.4861% | 1,650 |
| Total domestic deposits to total assets | 87.3338% | 1,879 |
| Equity capital to assets | 12.3471% | 1,836 |
| Core capital (leverage) ratio | 12.2982% | 1,512 |
| Tier 1 risk-based capital ratio | 14.8195% | 3,379 |
| Total risk-based capital ratio | 15.6698% | 3,532 |
| Memoranda: | ||
| Average total assets | $57,685,000 | 5,438 |
| Average earning assets | $56,006,750 | 5,360 |
| Average equity | $7,298,500 | 5,258 |
| Average total loans | $42,360,250 | 4,978 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2413% | 400 |
| Cost of funding earning assets | 0.7162% | 776 |
| Net interest margin | 4.5251% | 609 |
| Noninterest income to average assets | 0.3125% | 4,719 |
| Noninterest expense to average assets | 4.1431% | 585 |
| Loan and lease loss provision to assets | 0.0246% | 3,645 |
| Net operating income to assets | 0.3616% | 5,254 |
| Return on assets (ROA) | 0.3616% | 5,368 |
| Pretax return on assets | 0.5372% | 5,127 |
| Return on Equity (ROE) | 2.8343% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.8343% | 4,238 |
| Net charge-offs to loans | 0.1467% | 1,610 |
| Credit loss provision to net charge-offs | 23.3333% | 2,984 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,933 |
| Efficiency ratio | 88.0597% | 904 |
| Assets per employee ($millions) | 3.0053% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 5,399 |
| Loan loss allowance to noncurrent loans | 39.8048% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 1.6147% | 1,490 |
| Noncurrent loans to loans | 2.1916% | 1,095 |
| Net loans and leases to total assets | 73.0350% | 1,814 |
| Net loans and leases to deposits | 84.0227% | 2,311 |
| Net loans and leases to core deposits | 93.9130% | 1,964 |
| Total domestic deposits to total assets | 86.9229% | 2,206 |
| Equity capital to assets | 12.8231% | 1,478 |
| Core capital (leverage) ratio | 12.2324% | 1,521 |
| Tier 1 risk-based capital ratio | 16.5014% | 2,602 |
| Total risk-based capital ratio | 17.3804% | 2,746 |
| Memoranda: | ||
| Average total assets | $56,962,670 | 5,516 |
| Average earning assets | $55,292,000 | 5,430 |
| Average equity | $7,268,000 | 5,303 |
| Average total loans | $40,907,000 | 5,072 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1479% | 443 |
| Cost of funding earning assets | 0.7106% | 817 |
| Net interest margin | 4.4373% | 675 |
| Noninterest income to average assets | 0.3093% | 4,714 |
| Noninterest expense to average assets | 4.1340% | 593 |
| Loan and lease loss provision to assets | 0.0141% | 3,544 |
| Net operating income to assets | 0.3164% | 5,353 |
| Return on assets (ROA) | 0.3164% | 5,461 |
| Pretax return on assets | 0.4640% | 5,277 |
| Return on Equity (ROE) | 2.4858% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.4858% | 4,441 |
| Net charge-offs to loans | 0.2976% | 800 |
| Credit loss provision to net charge-offs | 6.6667% | 2,450 |
| Earnings coverage of net charge-offs (x) | 2.2667% | 2,793 |
| Efficiency ratio | 89.6341% | 877 |
| Assets per employee ($millions) | 2.9906% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 5,500 |
| Loan loss allowance to noncurrent loans | 39.2625% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 1.6226% | 1,574 |
| Noncurrent loans to loans | 2.2416% | 1,118 |
| Net loans and leases to total assets | 71.7486% | 1,848 |
| Net loans and leases to deposits | 82.6220% | 2,260 |
| Net loans and leases to core deposits | 92.2730% | 1,921 |
| Total domestic deposits to total assets | 86.8396% | 2,461 |
| Equity capital to assets | 12.8014% | 1,511 |
| Core capital (leverage) ratio | 12.2049% | 1,508 |
| Tier 1 risk-based capital ratio | 16.6806% | 2,602 |
| Total risk-based capital ratio | 17.5680% | 2,713 |
| Memoranda: | ||
| Average total assets | $56,894,000 | 5,573 |
| Average earning assets | $55,168,500 | 5,487 |
| Average equity | $7,241,000 | 5,356 |
| Average total loans | $40,325,500 | 5,127 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0980% | 639 |
| Cost of funding earning assets | 0.7855% | 700 |
| Net interest margin | 4.3125% | 1,030 |
| Noninterest income to average assets | 0.3363% | 4,705 |
| Noninterest expense to average assets | 3.9533% | 804 |
| Loan and lease loss provision to assets | 0.0548% | 3,456 |
| Net operating income to assets | 0.3418% | 5,398 |
| Return on assets (ROA) | 0.3418% | 5,470 |
| Pretax return on assets | 0.5026% | 5,244 |
| Return on Equity (ROE) | 2.6397% | 5,590 |
| Retained earnings to average equity (ytd only) | 2.6397% | 4,365 |
| Net charge-offs to loans | 0.0558% | 3,714 |
| Credit loss provision to net charge-offs | 142.8571% | 1,664 |
| Earnings coverage of net charge-offs (x) | 14.5238% | 2,155 |
| Efficiency ratio | 87.6418% | 1,023 |
| Assets per employee ($millions) | 3.1648% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 5,128 |
| Loan loss allowance to noncurrent loans | 37.2493% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 1.8379% | 1,409 |
| Noncurrent loans to loans | 2.6493% | 929 |
| Net loans and leases to total assets | 68.6901% | 2,460 |
| Net loans and leases to deposits | 78.9134% | 2,850 |
| Net loans and leases to core deposits | 88.0592% | 2,493 |
| Total domestic deposits to total assets | 87.0449% | 2,258 |
| Equity capital to assets | 12.6532% | 1,567 |
| Core capital (leverage) ratio | 12.0964% | 1,567 |
| Tier 1 risk-based capital ratio | 17.7932% | 2,205 |
| Total risk-based capital ratio | 18.8274% | 2,256 |
| Memoranda: | ||
| Average total assets | $54,714,200 | 5,682 |
| Average earning assets | $52,962,000 | 5,592 |
| Average equity | $7,084,200 | 5,393 |
| Average total loans | $37,612,800 | 5,276 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0798% | 675 |
| Cost of funding earning assets | 0.7936% | 707 |
| Net interest margin | 4.2862% | 1,078 |
| Noninterest income to average assets | 0.3176% | 4,898 |
| Noninterest expense to average assets | 3.9223% | 821 |
| Loan and lease loss provision to assets | 0.0739% | 2,864 |
| Net operating income to assets | 0.3201% | 5,525 |
| Return on assets (ROA) | 0.3201% | 5,599 |
| Pretax return on assets | 0.4703% | 5,407 |
| Return on Equity (ROE) | 2.4574% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.4574% | 4,827 |
| Net charge-offs to loans | 0.0790% | 3,072 |
| Credit loss provision to net charge-offs | 136.3636% | 1,711 |
| Earnings coverage of net charge-offs (x) | 10.0464% | 2,591 |
| Efficiency ratio | 87.8170% | 1,018 |
| Assets per employee ($millions) | 3.0562% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 5,296 |
| Loan loss allowance to noncurrent loans | 36.3551% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 1.9450% | 1,497 |
| Noncurrent loans to loans | 2.6938% | 1,062 |
| Net loans and leases to total assets | 71.4971% | 1,938 |
| Net loans and leases to deposits | 82.4657% | 2,365 |
| Net loans and leases to core deposits | 91.0210% | 2,114 |
| Total domestic deposits to total assets | 86.6993% | 2,478 |
| Equity capital to assets | 12.9663% | 1,447 |
| Core capital (leverage) ratio | 12.3139% | 1,508 |
| Tier 1 risk-based capital ratio | 17.6366% | 2,342 |
| Total risk-based capital ratio | 18.6698% | 2,385 |
| Memoranda: | ||
| Average total assets | $54,151,250 | 5,753 |
| Average earning assets | $52,415,500 | 5,670 |
| Average equity | $7,053,250 | 5,450 |
| Average total loans | $37,136,000 | 5,336 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0363% | 701 |
| Cost of funding earning assets | 0.8010% | 697 |
| Net interest margin | 4.2352% | 1,170 |
| Noninterest income to average assets | 0.2859% | 5,138 |
| Noninterest expense to average assets | 3.8875% | 864 |
| Loan and lease loss provision to assets | 0.0223% | 3,834 |
| Net operating income to assets | 0.3267% | 5,473 |
| Return on assets (ROA) | 0.3267% | 5,548 |
| Pretax return on assets | 0.4790% | 5,337 |
| Return on Equity (ROE) | 2.5047% | 5,692 |
| Retained earnings to average equity (ytd only) | 2.5047% | 4,611 |
| Net charge-offs to loans | 0.0662% | 3,049 |
| Credit loss provision to net charge-offs | 50.0000% | 2,792 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 2,177 |
| Efficiency ratio | 88.5787% | 1,035 |
| Assets per employee ($millions) | 3.2458% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 5,270 |
| Loan loss allowance to noncurrent loans | 83.1486% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 0.8173% | 3,515 |
| Noncurrent loans to loans | 1.2255% | 2,782 |
| Net loans and leases to total assets | 66.0161% | 2,746 |
| Net loans and leases to deposits | 75.9877% | 3,059 |
| Net loans and leases to core deposits | 84.7317% | 2,652 |
| Total domestic deposits to total assets | 86.8773% | 2,530 |
| Equity capital to assets | 12.8527% | 1,451 |
| Core capital (leverage) ratio | 12.3846% | 1,451 |
| Tier 1 risk-based capital ratio | 18.9918% | 1,927 |
| Total risk-based capital ratio | 20.0795% | 1,928 |
| Memoranda: | ||
| Average total assets | $53,864,330 | 5,812 |
| Average earning assets | $52,181,670 | 5,729 |
| Average equity | $7,026,670 | 5,483 |
| Average total loans | $36,274,330 | 5,408 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0633% | 639 |
| Cost of funding earning assets | 0.8154% | 692 |
| Net interest margin | 4.2479% | 1,105 |
| Noninterest income to average assets | 0.2556% | 5,315 |
| Noninterest expense to average assets | 3.8867% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3308% | 5,389 |
| Return on assets (ROA) | 0.3308% | 5,439 |
| Pretax return on assets | 0.4811% | 5,221 |
| Return on Equity (ROE) | 2.5164% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.5164% | 4,561 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9845% | 1,128 |
| Assets per employee ($millions) | 3.4011% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 5,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 65.1377% | 2,711 |
| Net loans and leases to deposits | 75.1213% | 2,929 |
| Net loans and leases to core deposits | 84.6795% | 2,444 |
| Total domestic deposits to total assets | 86.7100% | 2,989 |
| Equity capital to assets | 12.9096% | 1,347 |
| Core capital (leverage) ratio | 12.5203% | 1,377 |
| Tier 1 risk-based capital ratio | 19.0392% | 1,954 |
| Total risk-based capital ratio | 20.1587% | 1,955 |
| Memoranda: | ||
| Average total assets | $53,207,000 | 5,879 |
| Average earning assets | $51,508,000 | 5,799 |
| Average equity | $6,994,000 | 5,523 |
| Average total loans | $36,010,500 | 5,460 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4333% | 409 |
| Cost of funding earning assets | 0.8928% | 768 |
| Net interest margin | 4.5405% | 679 |
| Noninterest income to average assets | 0.4019% | 4,430 |
| Noninterest expense to average assets | 4.1977% | 703 |
| Loan and lease loss provision to assets | 0.1140% | 2,912 |
| Net operating income to assets | 2.1465% | 267 |
| Return on assets (ROA) | 2.1465% | 269 |
| Pretax return on assets | 0.5263% | 5,118 |
| Return on Equity (ROE) | 16.7172% | 536 |
| Retained earnings to average equity (ytd only) | 16.7172% | 133 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7666% | 1,341 |
| Assets per employee ($millions) | 3.4665% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 5,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 68.8751% | 2,197 |
| Net loans and leases to deposits | 79.8666% | 2,474 |
| Net loans and leases to core deposits | 89.7704% | 2,052 |
| Total domestic deposits to total assets | 86.2377% | 3,142 |
| Equity capital to assets | 13.3912% | 1,107 |
| Core capital (leverage) ratio | 12.9082% | 1,173 |
| Tier 1 risk-based capital ratio | 18.7173% | 2,006 |
| Total risk-based capital ratio | 19.8235% | 2,025 |
| Memoranda: | ||
| Average total assets | $48,265,000 | 6,060 |
| Average earning assets | $47,153,400 | 5,958 |
| Average equity | $6,197,200 | 5,763 |
| Average total loans | $34,100,600 | 5,579 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4469% | 405 |
| Cost of funding earning assets | 0.9001% | 813 |
| Net interest margin | 4.5468% | 684 |
| Noninterest income to average assets | 0.3493% | 4,892 |
| Noninterest expense to average assets | 4.3042% | 630 |
| Loan and lease loss provision to assets | 0.1324% | 2,627 |
| Net operating income to assets | 0.3662% | 5,382 |
| Return on assets (ROA) | 0.3662% | 5,519 |
| Pretax return on assets | 0.3662% | 5,710 |
| Return on Equity (ROE) | 2.8861% | 5,646 |
| Retained earnings to average equity (ytd only) | 2.8861% | 4,600 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6188% | 1,030 |
| Assets per employee ($millions) | 3.2156% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 5,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 67.9508% | 2,304 |
| Net loans and leases to deposits | 77.2938% | 2,774 |
| Net loans and leases to core deposits | 87.2887% | 2,251 |
| Total domestic deposits to total assets | 87.9123% | 2,185 |
| Equity capital to assets | 11.7417% | 2,095 |
| Core capital (leverage) ratio | 12.4833% | 1,429 |
| Tier 1 risk-based capital ratio | 18.6560% | 2,094 |
| Total risk-based capital ratio | 19.7841% | 2,098 |
| Memoranda: | ||
| Average total assets | $47,332,000 | 6,153 |
| Average earning assets | $46,361,500 | 6,043 |
| Average equity | $6,005,750 | 5,892 |
| Average total loans | $33,577,250 | 5,649 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4710% | 392 |
| Cost of funding earning assets | 0.9126% | 843 |
| Net interest margin | 4.5584% | 637 |
| Noninterest income to average assets | 0.3177% | 5,164 |
| Noninterest expense to average assets | 4.4865% | 531 |
| Loan and lease loss provision to assets | 0.1567% | 2,357 |
| Net operating income to assets | 0.1305% | 6,062 |
| Return on assets (ROA) | 0.1305% | 6,168 |
| Pretax return on assets | 0.1305% | 6,187 |
| Return on Equity (ROE) | 1.0010% | 6,212 |
| Retained earnings to average equity (ytd only) | 1.0010% | 5,502 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9836% | 764 |
| Assets per employee ($millions) | 2.9706% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 5,635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 71.8809% | 1,601 |
| Net loans and leases to deposits | 82.4823% | 1,995 |
| Net loans and leases to core deposits | 94.1288% | 1,508 |
| Total domestic deposits to total assets | 87.1471% | 2,734 |
| Equity capital to assets | 12.4869% | 1,580 |
| Core capital (leverage) ratio | 13.1189% | 1,122 |
| Tier 1 risk-based capital ratio | 19.0584% | 1,982 |
| Total risk-based capital ratio | 20.1984% | 1,973 |
| Memoranda: | ||
| Average total assets | $45,959,670 | 6,233 |
| Average earning assets | $44,928,000 | 6,140 |
| Average equity | $5,994,000 | 5,939 |
| Average total loans | $32,992,330 | 5,714 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4353% | 407 |
| Cost of funding earning assets | 0.9089% | 947 |
| Net interest margin | 4.5264% | 647 |
| Noninterest income to average assets | 0.3719% | 4,691 |
| Noninterest expense to average assets | 4.5070% | 531 |
| Loan and lease loss provision to assets | 0.1948% | 1,905 |
| Net operating income to assets | 0.0797% | 6,187 |
| Return on assets (ROA) | 0.0797% | 6,274 |
| Pretax return on assets | 0.0797% | 6,289 |
| Return on Equity (ROE) | 0.5977% | 6,310 |
| Retained earnings to average equity (ytd only) | 0.5977% | 5,588 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2593% | 816 |
| Assets per employee ($millions) | 2.8214% | 6,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 5,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 72.9277% | 1,218 |
| Net loans and leases to deposits | 84.6102% | 1,517 |
| Net loans and leases to core deposits | 96.6956% | 1,163 |
| Total domestic deposits to total assets | 86.1925% | 3,420 |
| Equity capital to assets | 13.3468% | 1,273 |
| Core capital (leverage) ratio | 13.6377% | 893 |
| Tier 1 risk-based capital ratio | 19.7537% | 1,835 |
| Total risk-based capital ratio | 20.8935% | 1,843 |
| Memoranda: | ||
| Average total assets | $45,174,500 | 6,312 |
| Average earning assets | $44,008,500 | 6,211 |
| Average equity | $6,023,500 | 5,975 |
| Average total loans | $32,225,000 | 5,787 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8160% | 2,137 |
| Cost of funding earning assets | 0.8255% | 2,461 |
| Net interest margin | 3.9905% | 2,430 |
| Noninterest income to average assets | 0.4000% | 4,609 |
| Noninterest expense to average assets | 4.3140% | 672 |
| Loan and lease loss provision to assets | 0.0779% | 4,737 |
| Net operating income to assets | -0.1347% | 6,323 |
| Return on assets (ROA) | -0.1347% | 6,410 |
| Pretax return on assets | -0.1347% | 6,388 |
| Return on Equity (ROE) | -1.0595% | 6,393 |
| Retained earnings to average equity (ytd only) | -1.0595% | 6,027 |
| Net charge-offs to loans | -0.0208% | 6,556 |
| Credit loss provision to net charge-offs | -616.6667% | 6,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3353% | 513 |
| Assets per employee ($millions) | 3.0138% | 5,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 5,778 |
| Loan loss allowance to noncurrent loans | 310.4762% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 5,977 |
| Noncurrent loans to loans | 0.3367% | 5,641 |
| Net loans and leases to total assets | 68.2527% | 2,142 |
| Net loans and leases to deposits | 79.1012% | 2,392 |
| Net loans and leases to core deposits | 90.5263% | 1,779 |
| Total domestic deposits to total assets | 86.2853% | 3,212 |
| Equity capital to assets | 13.3209% | 1,301 |
| Core capital (leverage) ratio | 13.5399% | 928 |
| Tier 1 risk-based capital ratio | 20.6403% | 1,537 |
| Total risk-based capital ratio | 21.7576% | 1,534 |
| Memoranda: | ||
| Average total assets | $47,496,000 | 6,278 |
| Average earning assets | $45,909,600 | 6,182 |
| Average equity | $6,040,800 | 6,010 |
| Average total loans | $28,854,400 | 6,000 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 2,929 |
| Cost of funding earning assets | 0.8045% | 2,901 |
| Net interest margin | 3.8647% | 3,054 |
| Noninterest income to average assets | 0.2774% | 5,558 |
| Noninterest expense to average assets | 4.1773% | 744 |
| Loan and lease loss provision to assets | 0.0777% | 4,669 |
| Net operating income to assets | -0.2469% | 6,528 |
| Return on assets (ROA) | -0.2469% | 6,596 |
| Pretax return on assets | -0.2469% | 6,563 |
| Return on Equity (ROE) | -1.9628% | 6,569 |
| Retained earnings to average equity (ytd only) | -1.9628% | 6,394 |
| Net charge-offs to loans | -0.0283% | 6,569 |
| Credit loss provision to net charge-offs | -466.6667% | 6,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2215% | 417 |
| Assets per employee ($millions) | 3.1756% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 5,831 |
| Loan loss allowance to noncurrent loans | 296.2617% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 6,144 |
| Noncurrent loans to loans | 0.3607% | 5,756 |
| Net loans and leases to total assets | 61.6157% | 3,459 |
| Net loans and leases to deposits | 82.2037% | 2,092 |
| Net loans and leases to core deposits | 94.5889% | 1,520 |
| Total domestic deposits to total assets | 74.9549% | 6,525 |
| Equity capital to assets | 12.5981% | 1,825 |
| Core capital (leverage) ratio | 14.1412% | 786 |
| Tier 1 risk-based capital ratio | 21.5317% | 1,419 |
| Total risk-based capital ratio | 22.6698% | 1,407 |
| Memoranda: | ||
| Average total assets | $48,068,250 | 6,337 |
| Average earning assets | $46,402,250 | 6,238 |
| Average equity | $6,045,500 | 6,077 |
| Average total loans | $28,272,750 | 6,102 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5582% | 3,536 |
| Cost of funding earning assets | 0.7783% | 3,379 |
| Net interest margin | 3.7798% | 3,456 |
| Noninterest income to average assets | 0.3028% | 5,388 |
| Noninterest expense to average assets | 4.1151% | 821 |
| Loan and lease loss provision to assets | 0.0954% | 4,352 |
| Net operating income to assets | -0.2613% | 6,588 |
| Return on assets (ROA) | -0.2613% | 6,651 |
| Pretax return on assets | -0.2613% | 6,620 |
| Return on Equity (ROE) | -2.0791% | 6,625 |
| Retained earnings to average equity (ytd only) | -2.0791% | 6,369 |
| Net charge-offs to loans | -0.0432% | 6,623 |
| Credit loss provision to net charge-offs | -383.3333% | 6,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2017% | 432 |
| Assets per employee ($millions) | 3.5452% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 5,831 |
| Loan loss allowance to noncurrent loans | 283.6364% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 6,224 |
| Noncurrent loans to loans | 0.3833% | 5,768 |
| Net loans and leases to total assets | 57.1878% | 4,299 |
| Net loans and leases to deposits | 81.5843% | 2,166 |
| Net loans and leases to core deposits | 92.5284% | 1,728 |
| Total domestic deposits to total assets | 70.0965% | 6,901 |
| Equity capital to assets | 12.1451% | 2,033 |
| Core capital (leverage) ratio | 13.8308% | 855 |
| Tier 1 risk-based capital ratio | 22.2510% | 1,245 |
| Total risk-based capital ratio | 23.4034% | 1,244 |
| Memoranda: | ||
| Average total assets | $48,213,000 | 6,374 |
| Average earning assets | $46,510,000 | 6,277 |
| Average equity | $6,060,330 | 6,104 |
| Average total loans | $27,808,000 | 6,161 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 4,143 |
| Cost of funding earning assets | 0.7785% | 3,636 |
| Net interest margin | 3.6650% | 3,983 |
| Noninterest income to average assets | 0.4210% | 4,510 |
| Noninterest expense to average assets | 4.0418% | 891 |
| Loan and lease loss provision to assets | 0.1600% | 3,380 |
| Net operating income to assets | -0.2526% | 6,677 |
| Return on assets (ROA) | -0.2526% | 6,724 |
| Pretax return on assets | -0.2526% | 6,699 |
| Return on Equity (ROE) | -1.9748% | 6,687 |
| Retained earnings to average equity (ytd only) | -1.9748% | 6,277 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3454% | 488 |
| Assets per employee ($millions) | 3.4316% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 6,003 |
| Loan loss allowance to noncurrent loans | 239.6825% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 6,231 |
| Noncurrent loans to loans | 0.4470% | 5,780 |
| Net loans and leases to total assets | 58.0450% | 4,026 |
| Net loans and leases to deposits | 82.4322% | 1,873 |
| Net loans and leases to core deposits | 92.9286% | 1,558 |
| Total domestic deposits to total assets | 70.4155% | 6,961 |
| Equity capital to assets | 12.6160% | 1,650 |
| Core capital (leverage) ratio | 15.2000% | 572 |
| Tier 1 risk-based capital ratio | 22.5231% | 1,203 |
| Total risk-based capital ratio | 23.6462% | 1,200 |
| Memoranda: | ||
| Average total assets | $47,503,000 | 6,449 |
| Average earning assets | $45,730,500 | 6,338 |
| Average equity | $6,076,500 | 6,126 |
| Average total loans | $27,364,000 | 6,231 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6780% | 4,339 |
| Cost of funding earning assets | 0.9140% | 4,019 |
| Net interest margin | 3.7641% | 4,009 |
| Noninterest income to average assets | 0.2112% | 6,007 |
| Noninterest expense to average assets | 4.8460% | 438 |
| Loan and lease loss provision to assets | 0.3269% | 3,069 |
| Net operating income to assets | -1.3395% | 6,868 |
| Return on assets (ROA) | -1.3395% | 6,887 |
| Pretax return on assets | -1.3395% | 6,855 |
| Return on Equity (ROE) | -7.3677% | 6,653 |
| Retained earnings to average equity (ytd only) | -7.3677% | 6,595 |
| Net charge-offs to loans | 0.0575% | 5,734 |
| Credit loss provision to net charge-offs | 941.6667% | 243 |
| Earnings coverage of net charge-offs (x) | -29.1667% | 6,420 |
| Efficiency ratio | 126.4151% | 257 |
| Assets per employee ($millions) | 3.6126% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 5,938 |
| Loan loss allowance to noncurrent loans | 217.6923% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 6,271 |
| Noncurrent loans to loans | 0.4898% | 5,733 |
| Net loans and leases to total assets | 55.9088% | 4,724 |
| Net loans and leases to deposits | 80.3187% | 2,466 |
| Net loans and leases to core deposits | 89.6511% | 2,173 |
| Total domestic deposits to total assets | 69.6086% | 7,006 |
| Equity capital to assets | 12.9716% | 1,502 |
| Core capital (leverage) ratio | 16.0432% | 457 |
| Tier 1 risk-based capital ratio | 24.6118% | 913 |
| Total risk-based capital ratio | 25.7562% | 912 |
| Memoranda: | ||
| Average total assets | $34,564,400 | 6,840 |
| Average earning assets | $33,262,000 | 6,771 |
| Average equity | $6,284,200 | 6,082 |
| Average total loans | $20,865,800 | 6,618 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8359% | 3,854 |
| Cost of funding earning assets | 0.9381% | 4,129 |
| Net interest margin | 3.8978% | 3,392 |
| Noninterest income to average assets | 0.2161% | 6,060 |
| Noninterest expense to average assets | 5.2460% | 301 |
| Loan and lease loss provision to assets | 0.4110% | 2,410 |
| Net operating income to assets | -1.6908% | 7,087 |
| Return on assets (ROA) | -1.6908% | 7,096 |
| Pretax return on assets | -1.6908% | 7,062 |
| Return on Equity (ROE) | -8.4013% | 6,835 |
| Retained earnings to average equity (ytd only) | -8.4013% | 6,787 |
| Net charge-offs to loans | 0.0891% | 5,078 |
| Credit loss provision to net charge-offs | 746.1538% | 364 |
| Earnings coverage of net charge-offs (x) | -23.2349% | 6,154 |
| Efficiency ratio | 132.2650% | 218 |
| Assets per employee ($millions) | 3.7912% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 5,358 |
| Loan loss allowance to noncurrent loans | 1,662.5000% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 6,956 |
| Noncurrent loans to loans | 0.0738% | 6,744 |
| Net loans and leases to total assets | 51.3464% | 5,534 |
| Net loans and leases to deposits | 73.0869% | 3,792 |
| Net loans and leases to core deposits | 81.7821% | 3,358 |
| Total domestic deposits to total assets | 70.2539% | 7,028 |
| Equity capital to assets | 14.7519% | 916 |
| Core capital (leverage) ratio | 18.6439% | 278 |
| Tier 1 risk-based capital ratio | 27.8717% | 667 |
| Total risk-based capital ratio | 29.0770% | 655 |
| Memoranda: | ||
| Average total assets | $31,464,500 | 6,998 |
| Average earning assets | $30,273,000 | 6,927 |
| Average equity | $6,332,250 | 6,103 |
| Average total loans | $19,447,250 | 6,752 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0030% | 3,139 |
| Cost of funding earning assets | 0.9399% | 4,395 |
| Net interest margin | 4.0631% | 2,557 |
| Noninterest income to average assets | 0.2282% | 6,028 |
| Noninterest expense to average assets | 5.9034% | 203 |
| Loan and lease loss provision to assets | 0.4777% | 2,073 |
| Net operating income to assets | -2.2387% | 7,230 |
| Return on assets (ROA) | -2.2387% | 7,236 |
| Pretax return on assets | -2.2387% | 7,210 |
| Return on Equity (ROE) | -9.8243% | 6,931 |
| Retained earnings to average equity (ytd only) | -9.8243% | 6,869 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.5129% | 186 |
| Assets per employee ($millions) | 2.9451% | 6,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 5,723 |
| Loan loss allowance to noncurrent loans | 3,557.1429% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 7,055 |
| Noncurrent loans to loans | 0.0326% | 6,902 |
| Net loans and leases to total assets | 65.5482% | 3,126 |
| Net loans and leases to deposits | 88.8308% | 1,390 |
| Net loans and leases to core deposits | 98.5200% | 1,468 |
| Total domestic deposits to total assets | 73.7900% | 6,863 |
| Equity capital to assets | 19.2586% | 303 |
| Core capital (leverage) ratio | 22.1178% | 155 |
| Tier 1 risk-based capital ratio | 29.3868% | 568 |
| Total risk-based capital ratio | 30.5604% | 561 |
| Memoranda: | ||
| Average total assets | $28,051,670 | 7,160 |
| Average earning assets | $27,024,000 | 7,089 |
| Average equity | $6,392,330 | 6,117 |
| Average total loans | $18,703,330 | 6,851 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1413% | 2,467 |
| Cost of funding earning assets | 0.8864% | 5,022 |
| Net interest margin | 4.2549% | 1,727 |
| Noninterest income to average assets | 0.2164% | 6,186 |
| Noninterest expense to average assets | 6.5071% | 170 |
| Loan and lease loss provision to assets | 0.2628% | 3,033 |
| Net operating income to assets | -2.4730% | 7,336 |
| Return on assets (ROA) | -2.4730% | 7,335 |
| Pretax return on assets | -2.4730% | 7,321 |
| Return on Equity (ROE) | -9.8933% | 7,028 |
| Retained earnings to average equity (ytd only) | -9.8933% | 6,866 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.4388% | 155 |
| Assets per employee ($millions) | 2.4913% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 5,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 63.8629% | 3,458 |
| Net loans and leases to deposits | 94.6512% | 770 |
| Net loans and leases to core deposits | 106.1374% | 931 |
| Total domestic deposits to total assets | 67.4719% | 7,281 |
| Equity capital to assets | 23.3141% | 139 |
| Core capital (leverage) ratio | 26.6864% | 96 |
| Tier 1 risk-based capital ratio | 33.7275% | 383 |
| Total risk-based capital ratio | 34.7780% | 381 |
| Memoranda: | ||
| Average total assets | $25,879,500 | 7,267 |
| Average earning assets | $24,818,500 | 7,201 |
| Average equity | $6,469,000 | 6,103 |
| Average total loans | $17,313,000 | 6,979 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 6,258 |
| Cost of funding earning assets | 0.7539% | 6,725 |
| Net interest margin | 3.7937% | 3,980 |
| Noninterest income to average assets | 0.1477% | 6,654 |
| Noninterest expense to average assets | 7.8369% | 121 |
| Loan and lease loss provision to assets | 0.8916% | 1,830 |
| Net operating income to assets | -5.0088% | 7,536 |
| Return on assets (ROA) | -5.0088% | 7,542 |
| Pretax return on assets | -5.0088% | 7,540 |
| Return on Equity (ROE) | -12.7082% | 6,832 |
| Retained earnings to average equity (ytd only) | -12.7082% | 6,784 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 210.6870% | 80 |
| Assets per employee ($millions) | 2.2141% | 7,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 6,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 68.7497% | 2,800 |
| Net loans and leases to deposits | 104.0970% | 396 |
| Net loans and leases to core deposits | 118.8192% | 567 |
| Total domestic deposits to total assets | 66.0439% | 7,391 |
| Equity capital to assets | 26.8898% | 102 |
| Core capital (leverage) ratio | 30.0289% | 83 |
| Tier 1 risk-based capital ratio | 36.0251% | 319 |
| Total risk-based capital ratio | 37.0262% | 319 |
| Memoranda: | ||
| Average total assets | $17,609,000 | 7,520 |
| Average earning assets | $16,580,000 | 7,485 |
| Average equity | $6,940,400 | 6,052 |
| Average total loans | $10,221,000 | 7,382 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 6,935 |
| Cost of funding earning assets | 0.6817% | 7,105 |
| Net interest margin | 3.6416% | 4,666 |
| Noninterest income to average assets | 0.1507% | 6,785 |
| Noninterest expense to average assets | 8.4156% | 103 |
| Loan and lease loss provision to assets | 1.1640% | 1,240 |
| Net operating income to assets | -6.0291% | 7,693 |
| Return on assets (ROA) | -6.0291% | 7,696 |
| Pretax return on assets | -6.0291% | 7,691 |
| Return on Equity (ROE) | -13.6395% | 7,059 |
| Retained earnings to average equity (ytd only) | -13.6395% | 7,026 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 237.0283% | 48 |
| Assets per employee ($millions) | 2.0902% | 7,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 5,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 63.4198% | 4,232 |
| Net loans and leases to deposits | 100.9135% | 593 |
| Net loans and leases to core deposits | 110.2095% | 1,026 |
| Total domestic deposits to total assets | 62.8457% | 7,542 |
| Equity capital to assets | 32.1070% | 76 |
| Core capital (leverage) ratio | 37.0753% | 57 |
| Tier 1 risk-based capital ratio | 50.9026% | 151 |
| Total risk-based capital ratio | 52.1465% | 150 |
| Memoranda: | ||
| Average total assets | $15,922,500 | 7,651 |
| Average earning assets | $14,865,000 | 7,621 |
| Average equity | $7,038,250 | 6,097 |
| Average total loans | $8,544,750 | 7,543 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 7,349 |
| Cost of funding earning assets | 0.6090% | 7,388 |
| Net interest margin | 3.4105% | 5,600 |
| Noninterest income to average assets | 0.1262% | 6,964 |
| Noninterest expense to average assets | 9.3391% | 90 |
| Loan and lease loss provision to assets | 1.4443% | 924 |
| Net operating income to assets | -7.5161% | 7,780 |
| Return on assets (ROA) | -7.5161% | 7,784 |
| Pretax return on assets | -7.5161% | 7,773 |
| Return on Equity (ROE) | -14.9986% | 7,144 |
| Retained earnings to average equity (ytd only) | -14.9986% | 7,103 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 285.8369% | 47 |
| Assets per employee ($millions) | 1.7040% | 7,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 5,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 65.3286% | 3,977 |
| Net loans and leases to deposits | 115.2978% | 190 |
| Net loans and leases to core deposits | 125.0365% | 545 |
| Total domestic deposits to total assets | 56.6608% | 7,703 |
| Equity capital to assets | 40.4636% | 57 |
| Core capital (leverage) ratio | 45.7866% | 49 |
| Tier 1 risk-based capital ratio | 56.3271% | 126 |
| Total risk-based capital ratio | 57.3728% | 125 |
| Memoranda: | ||
| Average total assets | $14,262,670 | 7,746 |
| Average earning assets | $13,136,000 | 7,724 |
| Average equity | $7,147,330 | 6,095 |
| Average total loans | $6,919,670 | 7,663 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0481% | 7,796 |
| Cost of funding earning assets | 0.5359% | 7,622 |
| Net interest margin | 2.5121% | 7,464 |
| Noninterest income to average assets | 0.1243% | 7,060 |
| Noninterest expense to average assets | 10.5639% | 70 |
| Loan and lease loss provision to assets | 1.6778% | 679 |
| Net operating income to assets | -9.7872% | 7,894 |
| Return on assets (ROA) | -9.7872% | 7,894 |
| Pretax return on assets | -9.7872% | 7,892 |
| Return on Equity (ROE) | -17.3232% | 7,377 |
| Retained earnings to average equity (ytd only) | -17.3232% | 7,289 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 430.3797% | 21 |
| Assets per employee ($millions) | 1.6771% | 7,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 6,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 47.9330% | 6,685 |
| Net loans and leases to deposits | 104.9920% | 476 |
| Net loans and leases to core deposits | 108.9608% | 1,357 |
| Total domestic deposits to total assets | 45.6539% | 7,849 |
| Equity capital to assets | 47.1446% | 49 |
| Core capital (leverage) ratio | 55.8424% | 40 |
| Tier 1 risk-based capital ratio | 79.1810% | 68 |
| Total risk-based capital ratio | 80.0601% | 67 |
| Memoranda: | ||
| Average total assets | $12,874,000 | 7,870 |
| Average earning assets | $11,942,000 | 7,850 |
| Average equity | $7,273,500 | 6,092 |
| Average total loans | $4,749,500 | 7,830 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2799% | 7,995 |
| Cost of funding earning assets | 0.1348% | 7,955 |
| Net interest margin | 0.1451% | 7,998 |
| Noninterest income to average assets | 0.0094% | 7,664 |
| Noninterest expense to average assets | 6.5515% | 243 |
| Loan and lease loss provision to assets | 0.2347% | 5,492 |
| Net operating income to assets | -6.6454% | 7,874 |
| Return on assets (ROA) | -6.6454% | 7,868 |
| Pretax return on assets | -6.6454% | 7,845 |
| Return on Equity (ROE) | -9.5277% | 6,582 |
| Retained earnings to average equity (ytd only) | -9.5277% | 6,479 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4,653.3333% | 3 |
| Assets per employee ($millions) | 1.3318% | 7,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 5,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 20.2741% | 7,866 |
| Net loans and leases to deposits | 68.3977% | 5,782 |
| Net loans and leases to core deposits | 101.7908% | 3,821 |
| Total domestic deposits to total assets | 29.6414% | 7,948 |
| Equity capital to assets | 69.7485% | 38 |
| Core capital (leverage) ratio | 81.2842% | 25 |
| Tier 1 risk-based capital ratio | 175.7153% | 40 |
| Total risk-based capital ratio | 176.3065% | 40 |
| Memoranda: | ||
| Average total assets | $10,654,000 | 7,962 |
| Average earning assets | $9,647,000 | 7,947 |
| Average equity | $7,431,000 | 6,113 |
| Average total loans | $2,185,000 | 7,950 |