Home > Peoples Community Bank SB of Monticello, Indiana > Performance and Condition Ratios
Peoples Community Bank SB of Monticello, Indiana, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0547% | 1,113 |
| Cost of funding earning assets | 2.1719% | 1,506 |
| Net interest margin | 3.8828% | 1,504 |
| Noninterest income to average assets | 0.0100% | 4,377 |
| Noninterest expense to average assets | 3.1982% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.3912% | 3,747 |
| Return on assets (ROA) | 0.3912% | 3,773 |
| Pretax return on assets | 0.5184% | 3,689 |
| Return on Equity (ROE) | 1.2100% | 4,068 |
| Retained earnings to average equity (ytd only) | 1.2102% | 3,456 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 86.0526% | 641 |
| Assets per employee ($millions) | 6.8378% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 3,481 |
| Loan loss allowance to noncurrent loans | 95.3297% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.8872% | 837 |
| Noncurrent loans to loans | 0.9852% | 1,085 |
| Net loans and leases to total assets | 89.2000% | 41 |
| Net loans and leases to deposits | 192.0348% | 17 |
| Net loans and leases to core deposits | 198.5784% | 46 |
| Total domestic deposits to total assets | 46.4500% | 4,336 |
| Equity capital to assets | 32.2739% | 158 |
| Core capital (leverage) ratio | 32.1563% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $40,898,000 | 4,280 |
| Average earning assets | $39,044,000 | 4,248 |
| Average equity | $13,221,000 | 3,510 |
| Average total loans | $37,552,500 | 3,986 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7930% | 1,592 |
| Cost of funding earning assets | 1.9032% | 2,453 |
| Net interest margin | 3.8898% | 1,370 |
| Noninterest income to average assets | 0.0200% | 4,417 |
| Noninterest expense to average assets | 3.1873% | 887 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.4370% | 3,606 |
| Return on assets (ROA) | 0.4370% | 3,628 |
| Pretax return on assets | 0.5802% | 3,506 |
| Return on Equity (ROE) | 1.3300% | 4,072 |
| Retained earnings to average equity (ytd only) | 1.3261% | 3,590 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 84.6000% | 756 |
| Assets per employee ($millions) | 6.7948% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 3,612 |
| Loan loss allowance to noncurrent loans | 95.0685% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.8953% | 780 |
| Noncurrent loans to loans | 0.9565% | 1,044 |
| Net loans and leases to total assets | 92.7500% | 11 |
| Net loans and leases to deposits | 201.0795% | 11 |
| Net loans and leases to core deposits | 207.8665% | 36 |
| Total domestic deposits to total assets | 46.1300% | 4,359 |
| Equity capital to assets | 32.3800% | 153 |
| Core capital (leverage) ratio | 32.6297% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $39,814,200 | 4,302 |
| Average earning assets | $38,408,200 | 4,270 |
| Average equity | $13,121,400 | 3,505 |
| Average total loans | $36,726,800 | 4,007 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6345% | 1,834 |
| Cost of funding earning assets | 1.5491% | 3,268 |
| Net interest margin | 4.0854% | 1,035 |
| Noninterest income to average assets | 0.0200% | 4,441 |
| Noninterest expense to average assets | 3.2511% | 778 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.5896% | 3,254 |
| Return on assets (ROA) | 0.5896% | 3,283 |
| Pretax return on assets | 0.7109% | 3,242 |
| Return on Equity (ROE) | 1.7800% | 4,049 |
| Retained earnings to average equity (ytd only) | 1.7809% | 3,521 |
| Net charge-offs to loans | 0.0367% | 1,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 21.1000% | 1,713 |
| Efficiency ratio | 82.0578% | 948 |
| Assets per employee ($millions) | 6.6137% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 3,484 |
| Loan loss allowance to noncurrent loans | 55.7947% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.7791% | 250 |
| Noncurrent loans to loans | 1.7017% | 512 |
| Net loans and leases to total assets | 88.6000% | 50 |
| Net loans and leases to deposits | 197.8224% | 13 |
| Net loans and leases to core deposits | 204.8179% | 42 |
| Total domestic deposits to total assets | 44.7900% | 4,393 |
| Equity capital to assets | 33.2720% | 146 |
| Core capital (leverage) ratio | 33.2603% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $39,575,500 | 4,331 |
| Average earning assets | $38,216,000 | 4,302 |
| Average equity | $13,101,500 | 3,512 |
| Average total loans | $36,368,500 | 4,025 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5393% | 1,902 |
| Cost of funding earning assets | 1.7542% | 2,734 |
| Net interest margin | 3.7851% | 1,449 |
| Noninterest income to average assets | 0.0200% | 4,460 |
| Noninterest expense to average assets | 3.1917% | 841 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.3743% | 3,715 |
| Return on assets (ROA) | 0.3743% | 3,751 |
| Pretax return on assets | 0.4957% | 3,641 |
| Return on Equity (ROE) | 1.1300% | 4,131 |
| Retained earnings to average equity (ytd only) | 1.1326% | 3,576 |
| Net charge-offs to loans | 0.0491% | 1,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 10.8889% | 1,957 |
| Efficiency ratio | 86.5569% | 728 |
| Assets per employee ($millions) | 5.7473% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9237% | 3,602 |
| Loan loss allowance to noncurrent loans | 146.1207% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.8899% | 702 |
| Noncurrent loans to loans | 0.6322% | 1,463 |
| Net loans and leases to total assets | 90.3800% | 28 |
| Net loans and leases to deposits | 214.7921% | 14 |
| Net loans and leases to core deposits | 222.6713% | 30 |
| Total domestic deposits to total assets | 42.0800% | 4,415 |
| Equity capital to assets | 32.5669% | 151 |
| Core capital (leverage) ratio | 33.3003% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $39,540,000 | 4,355 |
| Average earning assets | $38,308,000 | 4,321 |
| Average equity | $13,067,667 | 3,498 |
| Average total loans | $36,660,000 | 4,037 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4982% | 1,818 |
| Cost of funding earning assets | 1.6264% | 2,916 |
| Net interest margin | 3.8718% | 1,265 |
| Noninterest income to average assets | 0.0200% | 4,459 |
| Noninterest expense to average assets | 3.1535% | 895 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4797% | 3,450 |
| Return on assets (ROA) | 0.4797% | 3,475 |
| Pretax return on assets | 0.6327% | 3,324 |
| Return on Equity (ROE) | 1.4400% | 4,087 |
| Retained earnings to average equity (ytd only) | 1.4406% | 3,383 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 83.2884% | 964 |
| Assets per employee ($millions) | 6.6937% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,516 |
| Loan loss allowance to noncurrent loans | 123.0496% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.0283% | 555 |
| Noncurrent loans to loans | 0.7742% | 1,147 |
| Net loans and leases to total assets | 89.8300% | 33 |
| Net loans and leases to deposits | 208.4773% | 7 |
| Net loans and leases to core deposits | 215.8619% | 71 |
| Total domestic deposits to total assets | 43.0900% | 4,467 |
| Equity capital to assets | 32.5532% | 151 |
| Core capital (leverage) ratio | 33.8354% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $39,194,500 | 4,385 |
| Average earning assets | $38,121,500 | 4,345 |
| Average equity | $13,050,500 | 3,505 |
| Average total loans | $36,640,500 | 4,053 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3410% | 1,412 |
| Cost of funding earning assets | 0.9726% | 3,364 |
| Net interest margin | 4.3684% | 737 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 3.2042% | 827 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8507% | 2,701 |
| Return on assets (ROA) | 0.8507% | 2,678 |
| Pretax return on assets | 1.1003% | 2,407 |
| Return on Equity (ROE) | 2.4700% | 4,102 |
| Retained earnings to average equity (ytd only) | 2.4695% | 3,452 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.4389% | 1,411 |
| Assets per employee ($millions) | 6.3712% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 3,562 |
| Loan loss allowance to noncurrent loans | 413.0952% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.5703% | 978 |
| Noncurrent loans to loans | 0.2279% | 2,408 |
| Net loans and leases to total assets | 95.5100% | 3 |
| Net loans and leases to deposits | 221.2861% | 6 |
| Net loans and leases to core deposits | 229.4062% | 68 |
| Total domestic deposits to total assets | 43.1600% | 4,480 |
| Equity capital to assets | 34.0780% | 151 |
| Core capital (leverage) ratio | 33.3427% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $37,264,000 | 4,418 |
| Average earning assets | $36,191,600 | 4,372 |
| Average equity | $12,836,600 | 3,448 |
| Average total loans | $35,205,000 | 4,065 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2448% | 1,365 |
| Cost of funding earning assets | 0.7715% | 3,600 |
| Net interest margin | 4.4733% | 642 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 3.2339% | 781 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1632% | 1,894 |
| Return on assets (ROA) | 1.1632% | 1,877 |
| Pretax return on assets | 1.1632% | 2,381 |
| Return on Equity (ROE) | 3.3700% | 4,064 |
| Retained earnings to average equity (ytd only) | 3.3674% | 3,425 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.5463% | 1,401 |
| Assets per employee ($millions) | 6.5735% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 3,564 |
| Loan loss allowance to noncurrent loans | 1,445.8333% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 1,331 |
| Noncurrent loans to loans | 0.0656% | 3,283 |
| Net loans and leases to total assets | 91.8300% | 16 |
| Net loans and leases to deposits | 211.1461% | 6 |
| Net loans and leases to core deposits | 216.6786% | 32 |
| Total domestic deposits to total assets | 43.4900% | 4,513 |
| Equity capital to assets | 32.7654% | 155 |
| Core capital (leverage) ratio | 32.7430% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $37,023,250 | 4,434 |
| Average earning assets | $35,945,500 | 4,395 |
| Average equity | $12,789,000 | 3,444 |
| Average total loans | $34,792,000 | 4,090 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 1,799 |
| Cost of funding earning assets | 0.5566% | 3,865 |
| Net interest margin | 4.3275% | 776 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 3.2415% | 751 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0106% | 2,385 |
| Return on assets (ROA) | 1.0106% | 2,382 |
| Pretax return on assets | 1.0106% | 2,882 |
| Return on Equity (ROE) | 2.8700% | 4,179 |
| Retained earnings to average equity (ytd only) | 2.8719% | 3,516 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.2338% | 1,154 |
| Assets per employee ($millions) | 7.7750% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 3,639 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 1,355 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 93.4500% | 10 |
| Net loans and leases to deposits | 200.1708% | 7 |
| Net loans and leases to core deposits | 205.1095% | 40 |
| Total domestic deposits to total assets | 46.6900% | 4,529 |
| Equity capital to assets | 32.8823% | 150 |
| Core capital (leverage) ratio | 33.6971% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $36,217,333 | 4,463 |
| Average earning assets | $35,216,667 | 4,425 |
| Average equity | $12,744,333 | 3,463 |
| Average total loans | $34,200,333 | 4,110 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7969% | 1,629 |
| Cost of funding earning assets | 0.3997% | 3,965 |
| Net interest margin | 4.3972% | 686 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 3.3593% | 644 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9516% | 2,687 |
| Return on assets (ROA) | 0.9516% | 2,647 |
| Pretax return on assets | 0.9516% | 3,119 |
| Return on Equity (ROE) | 2.6100% | 4,230 |
| Retained earnings to average equity (ytd only) | 2.6090% | 3,580 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.9255% | 1,011 |
| Assets per employee ($millions) | 5.8987% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,340 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 1,162 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 93.3400% | 9 |
| Net loans and leases to deposits | 170.8435% | 10 |
| Net loans and leases to core deposits | 174.7844% | 60 |
| Total domestic deposits to total assets | 54.6400% | 4,560 |
| Equity capital to assets | 35.8358% | 104 |
| Core capital (leverage) ratio | 36.3451% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $34,888,500 | 4,545 |
| Average earning assets | $34,022,000 | 4,501 |
| Average equity | $12,725,000 | 3,505 |
| Average total loans | $32,962,500 | 4,184 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 1,046 |
| Cost of funding earning assets | 0.2877% | 2,978 |
| Net interest margin | 4.0129% | 776 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 3.8915% | 355 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0286% | 4,548 |
| Return on assets (ROA) | 0.0286% | 4,535 |
| Pretax return on assets | 0.0286% | 4,531 |
| Return on Equity (ROE) | 0.0800% | 4,541 |
| Retained earnings to average equity (ytd only) | 0.0778% | 4,330 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 99.2701% | 154 |
| Assets per employee ($millions) | 6.8770% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3810% | 4,509 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 1,084 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 94.2800% | 7 |
| Net loans and leases to deposits | 167.9428% | 10 |
| Net loans and leases to core deposits | 171.8238% | 50 |
| Total domestic deposits to total assets | 56.1400% | 4,593 |
| Equity capital to assets | 37.1296% | 104 |
| Core capital (leverage) ratio | 36.6341% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $34,948,400 | 4,576 |
| Average earning assets | $34,065,000 | 4,527 |
| Average equity | $12,845,800 | 3,585 |
| Average total loans | $29,146,200 | 4,255 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1617% | 956 |
| Cost of funding earning assets | 0.2652% | 2,542 |
| Net interest margin | 3.8964% | 811 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 2.9562% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8473% | 3,081 |
| Return on assets (ROA) | 0.8473% | 3,052 |
| Pretax return on assets | 0.8473% | 3,481 |
| Return on Equity (ROE) | 2.3100% | 4,373 |
| Retained earnings to average equity (ytd only) | 2.3110% | 3,957 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.7223% | 938 |
| Assets per employee ($millions) | 6.9152% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4094% | 4,538 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 1,130 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 87.2400% | 84 |
| Net loans and leases to deposits | 148.8037% | 14 |
| Net loans and leases to core deposits | 152.0669% | 62 |
| Total domestic deposits to total assets | 58.6300% | 4,626 |
| Equity capital to assets | 37.5405% | 98 |
| Core capital (leverage) ratio | 37.2272% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $35,089,250 | 4,610 |
| Average earning assets | $34,184,250 | 4,567 |
| Average equity | $12,865,500 | 3,623 |
| Average total loans | $28,297,250 | 4,295 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 834 |
| Cost of funding earning assets | 0.2737% | 1,976 |
| Net interest margin | 3.7908% | 768 |
| Noninterest income to average assets | 0.0057% | 4,729 |
| Noninterest expense to average assets | 2.8984% | 993 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7998% | 2,959 |
| Return on assets (ROA) | 0.7998% | 2,926 |
| Pretax return on assets | 0.7998% | 3,329 |
| Return on Equity (ROE) | 2.1984% | 4,328 |
| Retained earnings to average equity (ytd only) | 2.1984% | 3,695 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3742% | 1,062 |
| Assets per employee ($millions) | 7.1280% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4296% | 4,601 |
| Loan loss allowance to noncurrent loans | 44.6043% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.2570% | 328 |
| Noncurrent loans to loans | 0.9632% | 867 |
| Net loans and leases to total assets | 80.6369% | 359 |
| Net loans and leases to deposits | 134.1565% | 19 |
| Net loans and leases to core deposits | 136.9306% | 89 |
| Total domestic deposits to total assets | 60.1066% | 4,689 |
| Equity capital to assets | 36.1869% | 56 |
| Core capital (leverage) ratio | 37.0753% | 55 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,260,333 | 4,647 |
| Average earning assets | $34,346,333 | 4,621 |
| Average equity | $12,827,333 | 3,698 |
| Average total loans | $27,633,667 | 4,364 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 640 |
| Cost of funding earning assets | 0.2929% | 1,723 |
| Net interest margin | 3.8071% | 628 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 2.8970% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8098% | 2,635 |
| Return on assets (ROA) | 0.8098% | 2,627 |
| Pretax return on assets | 0.8098% | 3,088 |
| Return on Equity (ROE) | 2.2201% | 4,228 |
| Retained earnings to average equity (ytd only) | 2.2201% | 3,488 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1538% | 1,303 |
| Assets per employee ($millions) | 7.0456% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4503% | 4,621 |
| Loan loss allowance to noncurrent loans | 43.8163% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.3001% | 314 |
| Noncurrent loans to loans | 1.0276% | 880 |
| Net loans and leases to total assets | 77.8245% | 386 |
| Net loans and leases to deposits | 130.0261% | 20 |
| Net loans and leases to core deposits | 132.7523% | 83 |
| Total domestic deposits to total assets | 59.8530% | 4,728 |
| Equity capital to assets | 36.4142% | 50 |
| Core capital (leverage) ratio | 36.6963% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,070,500 | 4,674 |
| Average earning assets | $34,147,000 | 4,649 |
| Average equity | $12,792,500 | 3,782 |
| Average total loans | $27,019,000 | 4,390 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6900% | 2,138 |
| Cost of funding earning assets | 0.3551% | 1,894 |
| Net interest margin | 3.3349% | 2,221 |
| Noninterest income to average assets | 0.0090% | 4,789 |
| Noninterest expense to average assets | 2.9715% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2759% | 4,451 |
| Return on assets (ROA) | 0.2759% | 4,474 |
| Pretax return on assets | 0.2759% | 4,512 |
| Return on Equity (ROE) | 0.7245% | 4,628 |
| Retained earnings to average equity (ytd only) | 0.7245% | 4,324 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5051% | 279 |
| Assets per employee ($millions) | 6.9826% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4680% | 4,651 |
| Loan loss allowance to noncurrent loans | 32.0413% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.6326% | 243 |
| Noncurrent loans to loans | 1.4605% | 627 |
| Net loans and leases to total assets | 75.5421% | 544 |
| Net loans and leases to deposits | 126.4212% | 27 |
| Net loans and leases to core deposits | 130.7002% | 101 |
| Total domestic deposits to total assets | 59.7542% | 4,769 |
| Equity capital to assets | 36.5394% | 45 |
| Core capital (leverage) ratio | 37.1629% | 47 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,349,600 | 4,720 |
| Average earning assets | $32,384,800 | 4,697 |
| Average equity | $12,698,200 | 3,860 |
| Average total loans | $24,689,800 | 4,482 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6558% | 2,395 |
| Cost of funding earning assets | 0.3668% | 1,967 |
| Net interest margin | 3.2890% | 2,445 |
| Noninterest income to average assets | 0.0081% | 4,865 |
| Noninterest expense to average assets | 2.9895% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2104% | 4,619 |
| Return on assets (ROA) | 0.2104% | 4,640 |
| Pretax return on assets | 0.2104% | 4,660 |
| Return on Equity (ROE) | 0.5466% | 4,723 |
| Retained earnings to average equity (ytd only) | 0.5466% | 4,488 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4260% | 240 |
| Assets per employee ($millions) | 6.8326% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4727% | 4,730 |
| Loan loss allowance to noncurrent loans | 114.8148% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 812 |
| Noncurrent loans to loans | 0.4117% | 2,326 |
| Net loans and leases to total assets | 76.4306% | 515 |
| Net loans and leases to deposits | 129.6990% | 24 |
| Net loans and leases to core deposits | 134.2468% | 101 |
| Total domestic deposits to total assets | 58.9293% | 4,845 |
| Equity capital to assets | 37.2245% | 48 |
| Core capital (leverage) ratio | 37.5620% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,958,750 | 4,794 |
| Average earning assets | $31,984,500 | 4,769 |
| Average equity | $12,683,500 | 3,915 |
| Average total loans | $24,237,750 | 4,551 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5972% | 2,628 |
| Cost of funding earning assets | 0.3800% | 2,051 |
| Net interest margin | 3.2172% | 2,704 |
| Noninterest income to average assets | 0.0123% | 4,894 |
| Noninterest expense to average assets | 3.0346% | 928 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0983% | 4,712 |
| Return on assets (ROA) | 0.0983% | 4,728 |
| Pretax return on assets | 0.0983% | 4,732 |
| Return on Equity (ROE) | 0.2525% | 4,769 |
| Retained earnings to average equity (ytd only) | 0.2525% | 4,471 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8627% | 200 |
| Assets per employee ($millions) | 6.6328% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5009% | 4,735 |
| Loan loss allowance to noncurrent loans | 99.2000% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.9528% | 800 |
| Noncurrent loans to loans | 0.5050% | 2,159 |
| Net loans and leases to total assets | 74.2643% | 725 |
| Net loans and leases to deposits | 128.4567% | 35 |
| Net loans and leases to core deposits | 133.1873% | 113 |
| Total domestic deposits to total assets | 57.8127% | 4,881 |
| Equity capital to assets | 38.2372% | 46 |
| Core capital (leverage) ratio | 38.4366% | 47 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,557,333 | 4,829 |
| Average earning assets | $31,580,000 | 4,804 |
| Average equity | $12,672,333 | 3,920 |
| Average total loans | $23,572,000 | 4,599 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 2,804 |
| Cost of funding earning assets | 0.3836% | 2,228 |
| Net interest margin | 3.1585% | 2,811 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 3.0508% | 911 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0124% | 4,769 |
| Return on assets (ROA) | 0.0124% | 4,780 |
| Pretax return on assets | 0.0124% | 4,780 |
| Return on Equity (ROE) | 0.0316% | 4,781 |
| Retained earnings to average equity (ytd only) | 0.0316% | 4,363 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5951% | 195 |
| Assets per employee ($millions) | 6.5106% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5303% | 4,753 |
| Loan loss allowance to noncurrent loans | 96.1240% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.9922% | 835 |
| Noncurrent loans to loans | 0.5517% | 2,205 |
| Net loans and leases to total assets | 71.4496% | 1,100 |
| Net loans and leases to deposits | 125.3990% | 51 |
| Net loans and leases to core deposits | 125.3990% | 190 |
| Total domestic deposits to total assets | 56.9779% | 4,901 |
| Equity capital to assets | 38.9119% | 45 |
| Core capital (leverage) ratio | 39.2087% | 45 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,254,000 | 4,856 |
| Average earning assets | $31,281,000 | 4,826 |
| Average equity | $12,668,000 | 3,935 |
| Average total loans | $22,981,500 | 4,634 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 2,631 |
| Cost of funding earning assets | 0.4726% | 3,131 |
| Net interest margin | 3.5599% | 2,279 |
| Noninterest income to average assets | 0.0099% | 4,938 |
| Noninterest expense to average assets | 3.1031% | 1,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3448% | 4,362 |
| Return on assets (ROA) | 0.3448% | 4,429 |
| Pretax return on assets | 0.3448% | 4,498 |
| Return on Equity (ROE) | 0.8319% | 4,696 |
| Retained earnings to average equity (ytd only) | 0.8319% | 4,280 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0000% | 379 |
| Assets per employee ($millions) | 6.3910% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5492% | 4,759 |
| Loan loss allowance to noncurrent loans | 93.2331% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.0296% | 917 |
| Noncurrent loans to loans | 0.5890% | 2,228 |
| Net loans and leases to total assets | 70.2738% | 1,525 |
| Net loans and leases to deposits | 124.7902% | 54 |
| Net loans and leases to core deposits | 124.7902% | 257 |
| Total domestic deposits to total assets | 56.3136% | 4,928 |
| Equity capital to assets | 39.6464% | 45 |
| Core capital (leverage) ratio | 39.6403% | 43 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,453,400 | 4,871 |
| Average earning assets | $29,410,600 | 4,846 |
| Average equity | $12,621,800 | 3,903 |
| Average total loans | $23,791,000 | 4,644 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 2,667 |
| Cost of funding earning assets | 0.4870% | 3,313 |
| Net interest margin | 3.6155% | 2,223 |
| Noninterest income to average assets | 0.0089% | 4,973 |
| Noninterest expense to average assets | 3.1118% | 1,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3857% | 4,292 |
| Return on assets (ROA) | 0.3857% | 4,354 |
| Pretax return on assets | 0.3857% | 4,449 |
| Return on Equity (ROE) | 0.9199% | 4,715 |
| Retained earnings to average equity (ytd only) | 0.9199% | 4,278 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9734% | 388 |
| Assets per employee ($millions) | 6.3578% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5421% | 4,780 |
| Loan loss allowance to noncurrent loans | 84.9315% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0633% | 1,016 |
| Noncurrent loans to loans | 0.6383% | 2,198 |
| Net loans and leases to total assets | 71.5625% | 1,733 |
| Net loans and leases to deposits | 127.5812% | 68 |
| Net loans and leases to core deposits | 127.5812% | 276 |
| Total domestic deposits to total assets | 56.0917% | 4,953 |
| Equity capital to assets | 39.7968% | 41 |
| Core capital (leverage) ratio | 40.8975% | 38 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,078,000 | 4,904 |
| Average earning assets | $29,022,500 | 4,877 |
| Average equity | $12,610,000 | 3,910 |
| Average total loans | $24,093,750 | 4,665 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 2,724 |
| Cost of funding earning assets | 0.5063% | 3,493 |
| Net interest margin | 3.7055% | 2,140 |
| Noninterest income to average assets | 0.0136% | 4,988 |
| Noninterest expense to average assets | 3.1585% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4270% | 4,173 |
| Return on assets (ROA) | 0.4270% | 4,238 |
| Pretax return on assets | 0.4270% | 4,376 |
| Return on Equity (ROE) | 1.0003% | 4,689 |
| Retained earnings to average equity (ytd only) | 1.0003% | 4,101 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0907% | 449 |
| Assets per employee ($millions) | 6.0996% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5026% | 4,830 |
| Loan loss allowance to noncurrent loans | 41.0596% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.6362% | 531 |
| Noncurrent loans to loans | 1.2241% | 1,279 |
| Net loans and leases to total assets | 80.4905% | 542 |
| Net loans and leases to deposits | 148.1294% | 24 |
| Net loans and leases to core deposits | 148.1294% | 114 |
| Total domestic deposits to total assets | 54.3380% | 4,992 |
| Equity capital to assets | 41.4027% | 38 |
| Core capital (leverage) ratio | 42.4009% | 39 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,507,667 | 4,935 |
| Average earning assets | $28,444,000 | 4,914 |
| Average equity | $12,596,333 | 3,917 |
| Average total loans | $24,500,667 | 4,680 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 2,712 |
| Cost of funding earning assets | 0.5001% | 3,946 |
| Net interest margin | 3.8722% | 1,750 |
| Noninterest income to average assets | 0.0138% | 5,037 |
| Noninterest expense to average assets | 3.1710% | 1,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5791% | 3,663 |
| Return on assets (ROA) | 0.5791% | 3,723 |
| Pretax return on assets | 0.5791% | 3,953 |
| Return on Equity (ROE) | 1.3353% | 4,581 |
| Retained earnings to average equity (ytd only) | 1.3353% | 3,657 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5588% | 797 |
| Assets per employee ($millions) | 5.8234% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4961% | 4,878 |
| Loan loss allowance to noncurrent loans | 40.3909% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.7447% | 546 |
| Noncurrent loans to loans | 1.2282% | 1,329 |
| Net loans and leases to total assets | 85.4175% | 173 |
| Net loans and leases to deposits | 163.7327% | 6 |
| Net loans and leases to core deposits | 163.7327% | 71 |
| Total domestic deposits to total assets | 52.1688% | 5,065 |
| Equity capital to assets | 43.2943% | 41 |
| Core capital (leverage) ratio | 42.9582% | 40 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,012,500 | 4,984 |
| Average earning assets | $27,994,500 | 4,961 |
| Average equity | $12,581,000 | 3,931 |
| Average total loans | $24,415,000 | 4,712 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 3,657 |
| Cost of funding earning assets | 0.3613% | 4,568 |
| Net interest margin | 3.8958% | 2,189 |
| Noninterest income to average assets | 0.0144% | 5,104 |
| Noninterest expense to average assets | 3.1739% | 1,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6003% | 4,159 |
| Return on assets (ROA) | 0.6003% | 4,219 |
| Pretax return on assets | 0.6003% | 4,414 |
| Return on Equity (ROE) | 1.3393% | 4,879 |
| Retained earnings to average equity (ytd only) | 1.3393% | 4,264 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0952% | 650 |
| Assets per employee ($millions) | 5.7816% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5202% | 4,868 |
| Loan loss allowance to noncurrent loans | 39.7436% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.7954% | 488 |
| Noncurrent loans to loans | 1.3090% | 1,149 |
| Net loans and leases to total assets | 82.0223% | 556 |
| Net loans and leases to deposits | 157.5691% | 10 |
| Net loans and leases to core deposits | 157.5691% | 87 |
| Total domestic deposits to total assets | 52.0548% | 5,123 |
| Equity capital to assets | 43.4343% | 41 |
| Core capital (leverage) ratio | 45.2253% | 43 |
| Tier 1 risk-based capital ratio | 82.6635% | 54 |
| Total risk-based capital ratio | 83.4778% | 53 |
| Memoranda: | ||
| Average total assets | $27,820,800 | 5,050 |
| Average earning assets | $26,849,200 | 5,027 |
| Average equity | $12,469,600 | 3,942 |
| Average total loans | $21,813,200 | 4,822 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 3,673 |
| Cost of funding earning assets | 0.3410% | 4,686 |
| Net interest margin | 3.9519% | 2,098 |
| Noninterest income to average assets | 0.0048% | 5,200 |
| Noninterest expense to average assets | 3.1313% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6872% | 4,051 |
| Return on assets (ROA) | 0.6872% | 4,113 |
| Pretax return on assets | 0.6872% | 4,376 |
| Return on Equity (ROE) | 1.5210% | 4,965 |
| Retained earnings to average equity (ytd only) | 1.5210% | 4,426 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0025% | 754 |
| Assets per employee ($millions) | 5.4676% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5514% | 4,895 |
| Loan loss allowance to noncurrent loans | 39.1167% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.9350% | 468 |
| Noncurrent loans to loans | 1.4096% | 1,082 |
| Net loans and leases to total assets | 81.8055% | 590 |
| Net loans and leases to deposits | 154.3090% | 14 |
| Net loans and leases to core deposits | 154.3090% | 106 |
| Total domestic deposits to total assets | 53.0141% | 5,196 |
| Equity capital to assets | 45.8336% | 41 |
| Core capital (leverage) ratio | 45.7672% | 40 |
| Tier 1 risk-based capital ratio | 89.5446% | 49 |
| Total risk-based capital ratio | 90.4283% | 49 |
| Memoranda: | ||
| Average total assets | $27,549,000 | 5,126 |
| Average earning assets | $26,586,000 | 5,107 |
| Average equity | $12,448,000 | 3,980 |
| Average total loans | $21,307,750 | 4,905 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1037% | 4,149 |
| Cost of funding earning assets | 0.3301% | 4,735 |
| Net interest margin | 3.7736% | 2,675 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 3.0486% | 1,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5938% | 4,320 |
| Return on assets (ROA) | 0.5938% | 4,357 |
| Pretax return on assets | 0.5938% | 4,554 |
| Return on Equity (ROE) | 1.3204% | 5,017 |
| Retained earnings to average equity (ytd only) | 1.3204% | 4,343 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6978% | 676 |
| Assets per employee ($millions) | 5.4230% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5663% | 4,930 |
| Loan loss allowance to noncurrent loans | 28.3753% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 2.4378% | 311 |
| Noncurrent loans to loans | 1.9956% | 720 |
| Net loans and leases to total assets | 80.3024% | 837 |
| Net loans and leases to deposits | 151.8516% | 14 |
| Net loans and leases to core deposits | 151.8516% | 124 |
| Total domestic deposits to total assets | 52.8822% | 5,243 |
| Equity capital to assets | 45.9856% | 41 |
| Core capital (leverage) ratio | 45.4179% | 42 |
| Tier 1 risk-based capital ratio | 90.2881% | 49 |
| Total risk-based capital ratio | 91.1835% | 50 |
| Memoranda: | ||
| Average total assets | $27,619,330 | 5,171 |
| Average earning assets | $26,658,670 | 5,149 |
| Average equity | $12,420,670 | 3,992 |
| Average total loans | $20,914,330 | 4,958 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 4,206 |
| Cost of funding earning assets | 0.2972% | 4,858 |
| Net interest margin | 3.7742% | 2,617 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 3.0282% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6171% | 4,189 |
| Return on assets (ROA) | 0.6171% | 4,229 |
| Pretax return on assets | 0.6171% | 4,480 |
| Return on Equity (ROE) | 1.3875% | 5,039 |
| Retained earnings to average equity (ytd only) | 1.3875% | 4,229 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0709% | 784 |
| Assets per employee ($millions) | 5.4764% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6003% | 4,937 |
| Loan loss allowance to noncurrent loans | 45.7565% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.8297% | 570 |
| Noncurrent loans to loans | 1.3119% | 1,249 |
| Net loans and leases to total assets | 74.9872% | 1,642 |
| Net loans and leases to deposits | 140.4446% | 23 |
| Net loans and leases to core deposits | 140.4446% | 182 |
| Total domestic deposits to total assets | 53.3927% | 5,304 |
| Equity capital to assets | 45.3656% | 40 |
| Core capital (leverage) ratio | 44.6151% | 40 |
| Tier 1 risk-based capital ratio | 93.9478% | 43 |
| Total risk-based capital ratio | 94.8824% | 44 |
| Memoranda: | ||
| Average total assets | $27,871,500 | 5,225 |
| Average earning assets | $26,919,500 | 5,201 |
| Average equity | $12,396,500 | 4,018 |
| Average total loans | $20,422,500 | 5,031 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6270% | 4,768 |
| Cost of funding earning assets | 0.2239% | 4,907 |
| Net interest margin | 3.4031% | 3,993 |
| Noninterest income to average assets | 0.0134% | 5,331 |
| Noninterest expense to average assets | 5.2794% | 171 |
| Loan and lease loss provision to assets | 0.1169% | 1,882 |
| Net operating income to assets | -1.6105% | 5,363 |
| Return on assets (ROA) | -1.6105% | 5,361 |
| Pretax return on assets | -2.0817% | 5,369 |
| Return on Equity (ROE) | -3.7807% | 5,305 |
| Retained earnings to average equity (ytd only) | -3.7807% | 5,215 |
| Net charge-offs to loans | 0.0415% | 2,584 |
| Credit loss provision to net charge-offs | 437.5000% | 774 |
| Earnings coverage of net charge-offs (x) | -73.5000% | 3,773 |
| Efficiency ratio | 159.2742% | 20 |
| Assets per employee ($millions) | 5.6722% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6142% | 4,947 |
| Loan loss allowance to noncurrent loans | 45.4212% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.7912% | 579 |
| Noncurrent loans to loans | 1.3523% | 1,157 |
| Net loans and leases to total assets | 70.7450% | 2,453 |
| Net loans and leases to deposits | 127.7880% | 54 |
| Net loans and leases to core deposits | 127.7880% | 357 |
| Total domestic deposits to total assets | 55.3612% | 5,345 |
| Equity capital to assets | 43.6198% | 40 |
| Core capital (leverage) ratio | 42.1056% | 45 |
| Tier 1 risk-based capital ratio | 95.0566% | 42 |
| Total risk-based capital ratio | 96.0055% | 42 |
| Memoranda: | ||
| Average total assets | $29,927,800 | 5,244 |
| Average earning assets | $29,032,000 | 5,207 |
| Average equity | $12,749,000 | 3,923 |
| Average total loans | $19,297,400 | 5,093 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5742% | 4,845 |
| Cost of funding earning assets | 0.2084% | 4,989 |
| Net interest margin | 3.3659% | 4,117 |
| Noninterest income to average assets | 0.0044% | 5,420 |
| Noninterest expense to average assets | 3.1970% | 1,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0528% | 5,275 |
| Return on assets (ROA) | 0.0528% | 5,269 |
| Pretax return on assets | 0.0748% | 5,260 |
| Return on Equity (ROE) | 0.1246% | 5,290 |
| Retained earnings to average equity (ytd only) | 0.1246% | 5,015 |
| Net charge-offs to loans | 0.0559% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.1246% | 3,279 |
| Efficiency ratio | 97.7151% | 178 |
| Assets per employee ($millions) | 5.8924% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4570% | 5,235 |
| Loan loss allowance to noncurrent loans | 22.7621% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 2.1485% | 472 |
| Noncurrent loans to loans | 2.0077% | 729 |
| Net loans and leases to total assets | 65.8000% | 3,202 |
| Net loans and leases to deposits | 118.9836% | 112 |
| Net loans and leases to core deposits | 118.9836% | 606 |
| Total domestic deposits to total assets | 55.3017% | 5,415 |
| Equity capital to assets | 43.6359% | 41 |
| Core capital (leverage) ratio | 42.9403% | 43 |
| Tier 1 risk-based capital ratio | 99.3080% | 41 |
| Total risk-based capital ratio | 99.9923% | 41 |
| Memoranda: | ||
| Average total assets | $30,319,500 | 5,302 |
| Average earning assets | $29,432,000 | 5,272 |
| Average equity | $12,843,500 | 3,936 |
| Average total loans | $19,074,750 | 5,157 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4949% | 4,932 |
| Cost of funding earning assets | 0.2020% | 5,019 |
| Net interest margin | 3.2929% | 4,268 |
| Noninterest income to average assets | 0.0065% | 5,475 |
| Noninterest expense to average assets | 3.1825% | 1,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0196% | 5,331 |
| Return on assets (ROA) | 0.0196% | 5,326 |
| Pretax return on assets | 0.0196% | 5,328 |
| Return on Equity (ROE) | 0.0467% | 5,333 |
| Retained earnings to average equity (ytd only) | 0.0467% | 4,948 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3878% | 183 |
| Assets per employee ($millions) | 6.0390% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5169% | 5,237 |
| Loan loss allowance to noncurrent loans | 24.9357% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 2.3845% | 379 |
| Noncurrent loans to loans | 2.0731% | 705 |
| Net loans and leases to total assets | 61.8215% | 3,624 |
| Net loans and leases to deposits | 109.2724% | 301 |
| Net loans and leases to core deposits | 109.2724% | 1,042 |
| Total domestic deposits to total assets | 56.5756% | 5,475 |
| Equity capital to assets | 42.5269% | 47 |
| Core capital (leverage) ratio | 42.0232% | 45 |
| Tier 1 risk-based capital ratio | 100.3811% | 43 |
| Total risk-based capital ratio | 101.1355% | 43 |
| Memoranda: | ||
| Average total assets | $30,605,330 | 5,362 |
| Average earning assets | $29,700,000 | 5,332 |
| Average equity | $12,839,330 | 3,949 |
| Average total loans | $18,941,330 | 5,217 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4489% | 4,956 |
| Cost of funding earning assets | 0.2005% | 5,014 |
| Net interest margin | 3.2484% | 4,318 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 3.1158% | 1,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0260% | 5,374 |
| Return on assets (ROA) | 0.0260% | 5,371 |
| Pretax return on assets | 0.0389% | 5,364 |
| Return on Equity (ROE) | 0.0623% | 5,382 |
| Retained earnings to average equity (ytd only) | 0.0623% | 4,798 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7654% | 195 |
| Assets per employee ($millions) | 5.1268% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5142% | 5,316 |
| Loan loss allowance to noncurrent loans | 19.0945% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 2.7210% | 323 |
| Noncurrent loans to loans | 2.6928% | 475 |
| Net loans and leases to total assets | 61.0123% | 3,646 |
| Net loans and leases to deposits | 106.3825% | 365 |
| Net loans and leases to core deposits | 106.3825% | 1,209 |
| Total domestic deposits to total assets | 57.3518% | 5,535 |
| Equity capital to assets | 41.7249% | 45 |
| Core capital (leverage) ratio | 41.4211% | 44 |
| Tier 1 risk-based capital ratio | 99.1777% | 40 |
| Total risk-based capital ratio | 99.9232% | 40 |
| Memoranda: | ||
| Average total assets | $30,810,500 | 5,418 |
| Average earning assets | $29,922,500 | 5,388 |
| Average equity | $12,838,500 | 3,988 |
| Average total loans | $19,030,000 | 5,276 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2568% | 5,127 |
| Cost of funding earning assets | 0.2021% | 4,935 |
| Net interest margin | 3.0546% | 4,778 |
| Noninterest income to average assets | 0.0031% | 5,611 |
| Noninterest expense to average assets | 2.4944% | 3,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1996% | 5,111 |
| Return on assets (ROA) | 0.1996% | 5,127 |
| Pretax return on assets | 0.4771% | 4,959 |
| Return on Equity (ROE) | 0.4988% | 5,312 |
| Retained earnings to average equity (ytd only) | 0.4988% | 4,836 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9454% | 773 |
| Assets per employee ($millions) | 6.1720% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5053% | 5,381 |
| Loan loss allowance to noncurrent loans | 24.4949% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 2.3623% | 417 |
| Noncurrent loans to loans | 2.0630% | 733 |
| Net loans and leases to total assets | 61.8859% | 3,639 |
| Net loans and leases to deposits | 107.7704% | 329 |
| Net loans and leases to core deposits | 107.7704% | 1,148 |
| Total domestic deposits to total assets | 57.4238% | 5,602 |
| Equity capital to assets | 41.6137% | 42 |
| Core capital (leverage) ratio | 40.5939% | 40 |
| Tier 1 risk-based capital ratio | 98.3762% | 46 |
| Total risk-based capital ratio | 99.1157% | 46 |
| Memoranda: | ||
| Average total assets | $32,071,600 | 5,465 |
| Average earning assets | $31,165,800 | 5,420 |
| Average equity | $12,830,800 | 4,008 |
| Average total loans | $20,215,600 | 5,308 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2453% | 5,176 |
| Cost of funding earning assets | 0.2034% | 4,952 |
| Net interest margin | 3.0420% | 4,828 |
| Noninterest income to average assets | 0.0041% | 5,678 |
| Noninterest expense to average assets | 2.3310% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4118% | 4,972 |
| Return on assets (ROA) | 0.4118% | 5,004 |
| Pretax return on assets | 0.6301% | 4,777 |
| Return on Equity (ROE) | 1.0394% | 5,427 |
| Retained earnings to average equity (ytd only) | 1.0394% | 4,962 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7204% | 1,244 |
| Assets per employee ($millions) | 5.3475% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4994% | 5,470 |
| Loan loss allowance to noncurrent loans | 24.2500% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 2.3064% | 503 |
| Noncurrent loans to loans | 2.0595% | 823 |
| Net loans and leases to total assets | 60.2306% | 3,834 |
| Net loans and leases to deposits | 102.3733% | 592 |
| Net loans and leases to core deposits | 102.3733% | 1,518 |
| Total domestic deposits to total assets | 58.8343% | 5,662 |
| Equity capital to assets | 40.1995% | 43 |
| Core capital (leverage) ratio | 39.7530% | 43 |
| Tier 1 risk-based capital ratio | 96.6321% | 43 |
| Total risk-based capital ratio | 97.3564% | 44 |
| Memoranda: | ||
| Average total assets | $32,374,500 | 5,519 |
| Average earning assets | $31,470,250 | 5,473 |
| Average equity | $12,828,000 | 4,045 |
| Average total loans | $20,470,750 | 5,355 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2322% | 5,200 |
| Cost of funding earning assets | 0.2028% | 4,949 |
| Net interest margin | 3.0294% | 4,844 |
| Noninterest income to average assets | 0.0062% | 5,723 |
| Noninterest expense to average assets | 2.3098% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4127% | 4,949 |
| Return on assets (ROA) | 0.4127% | 4,977 |
| Pretax return on assets | 0.6406% | 4,717 |
| Return on Equity (ROE) | 1.0465% | 5,465 |
| Retained earnings to average equity (ytd only) | 1.0465% | 4,822 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2881% | 1,423 |
| Assets per employee ($millions) | 6.4434% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4781% | 5,539 |
| Loan loss allowance to noncurrent loans | 24.1895% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 2.3218% | 499 |
| Noncurrent loans to loans | 1.9765% | 854 |
| Net loans and leases to total assets | 62.6719% | 3,554 |
| Net loans and leases to deposits | 105.8672% | 403 |
| Net loans and leases to core deposits | 105.8672% | 1,244 |
| Total domestic deposits to total assets | 59.1986% | 5,706 |
| Equity capital to assets | 39.9292% | 42 |
| Core capital (leverage) ratio | 39.5823% | 42 |
| Tier 1 risk-based capital ratio | 94.0812% | 42 |
| Total risk-based capital ratio | 94.7882% | 42 |
| Memoranda: | ||
| Average total assets | $32,471,000 | 5,567 |
| Average earning assets | $31,557,000 | 5,526 |
| Average equity | $12,804,670 | 4,064 |
| Average total loans | $20,820,330 | 5,385 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2073% | 5,242 |
| Cost of funding earning assets | 0.2020% | 4,962 |
| Net interest margin | 3.0053% | 4,884 |
| Noninterest income to average assets | 0.0123% | 5,790 |
| Noninterest expense to average assets | 2.3437% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3681% | 5,030 |
| Return on assets (ROA) | 0.3681% | 5,050 |
| Pretax return on assets | 0.5890% | 4,754 |
| Return on Equity (ROE) | 0.9393% | 5,507 |
| Retained earnings to average equity (ytd only) | 0.9393% | 4,683 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9163% | 1,394 |
| Assets per employee ($millions) | 6.5442% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4651% | 5,626 |
| Loan loss allowance to noncurrent loans | 19.5960% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 2.5977% | 437 |
| Noncurrent loans to loans | 2.3736% | 685 |
| Net loans and leases to total assets | 63.4363% | 3,341 |
| Net loans and leases to deposits | 105.9193% | 326 |
| Net loans and leases to core deposits | 105.9193% | 1,104 |
| Total domestic deposits to total assets | 59.8912% | 5,770 |
| Equity capital to assets | 39.1858% | 45 |
| Core capital (leverage) ratio | 39.0177% | 47 |
| Tier 1 risk-based capital ratio | 91.6863% | 43 |
| Total risk-based capital ratio | 92.3773% | 43 |
| Memoranda: | ||
| Average total assets | $32,598,000 | 5,625 |
| Average earning assets | $31,677,500 | 5,581 |
| Average equity | $12,775,000 | 4,092 |
| Average total loans | $21,086,500 | 5,432 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0977% | 5,406 |
| Cost of funding earning assets | 0.2063% | 4,957 |
| Net interest margin | 2.8914% | 5,155 |
| Noninterest income to average assets | 0.0152% | 5,833 |
| Noninterest expense to average assets | 2.5854% | 3,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1823% | 5,448 |
| Return on assets (ROA) | 0.1823% | 5,494 |
| Pretax return on assets | 0.2400% | 5,440 |
| Return on Equity (ROE) | 0.4717% | 5,630 |
| Retained earnings to average equity (ytd only) | 0.4717% | 5,138 |
| Net charge-offs to loans | 0.3888% | 689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 0.9753% | 4,059 |
| Efficiency ratio | 91.5054% | 484 |
| Assets per employee ($millions) | 6.4950% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4550% | 5,694 |
| Loan loss allowance to noncurrent loans | 25.5263% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 2.2756% | 555 |
| Noncurrent loans to loans | 1.7824% | 1,067 |
| Net loans and leases to total assets | 65.3487% | 3,169 |
| Net loans and leases to deposits | 109.0321% | 251 |
| Net loans and leases to core deposits | 109.0321% | 957 |
| Total domestic deposits to total assets | 59.9353% | 5,826 |
| Equity capital to assets | 39.1932% | 49 |
| Core capital (leverage) ratio | 39.3766% | 47 |
| Tier 1 risk-based capital ratio | 90.1668% | 42 |
| Total risk-based capital ratio | 90.8496% | 42 |
| Memoranda: | ||
| Average total assets | $32,915,000 | 5,677 |
| Average earning assets | $31,991,800 | 5,625 |
| Average equity | $12,718,800 | 4,132 |
| Average total loans | $20,832,400 | 5,493 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0529% | 5,525 |
| Cost of funding earning assets | 0.2035% | 5,038 |
| Net interest margin | 2.8493% | 5,268 |
| Noninterest income to average assets | 0.0161% | 5,901 |
| Noninterest expense to average assets | 2.5596% | 3,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1736% | 5,511 |
| Return on assets (ROA) | 0.1736% | 5,571 |
| Pretax return on assets | 0.2261% | 5,537 |
| Return on Equity (ROE) | 0.4508% | 5,705 |
| Retained earnings to average equity (ytd only) | 0.4508% | 5,239 |
| Net charge-offs to loans | 0.5215% | 404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.6913% | 3,772 |
| Efficiency ratio | 91.8841% | 466 |
| Assets per employee ($millions) | 5.3978% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4873% | 5,738 |
| Loan loss allowance to noncurrent loans | 20.3782% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 2.6399% | 497 |
| Noncurrent loans to loans | 2.3912% | 755 |
| Net loans and leases to total assets | 61.1634% | 3,722 |
| Net loans and leases to deposits | 102.6799% | 528 |
| Net loans and leases to core deposits | 102.6799% | 1,436 |
| Total domestic deposits to total assets | 59.5671% | 5,894 |
| Equity capital to assets | 39.3553% | 46 |
| Core capital (leverage) ratio | 39.1336% | 47 |
| Tier 1 risk-based capital ratio | 93.1320% | 42 |
| Total risk-based capital ratio | 93.8362% | 44 |
| Memoranda: | ||
| Average total assets | $33,025,000 | 5,733 |
| Average earning assets | $32,100,000 | 5,683 |
| Average equity | $12,716,500 | 4,174 |
| Average total loans | $20,710,750 | 5,551 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0261% | 5,624 |
| Cost of funding earning assets | 0.2042% | 5,100 |
| Net interest margin | 2.8218% | 5,393 |
| Noninterest income to average assets | 0.0241% | 5,964 |
| Noninterest expense to average assets | 2.5634% | 3,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1564% | 5,603 |
| Return on assets (ROA) | 0.1564% | 5,651 |
| Pretax return on assets | 0.2046% | 5,614 |
| Return on Equity (ROE) | 0.4092% | 5,757 |
| Retained earnings to average equity (ytd only) | 0.4092% | 5,178 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6087% | 470 |
| Assets per employee ($millions) | 5.5135% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 5,102 |
| Loan loss allowance to noncurrent loans | 37.7119% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 2.5181% | 545 |
| Noncurrent loans to loans | 2.2799% | 805 |
| Net loans and leases to total assets | 62.0447% | 3,619 |
| Net loans and leases to deposits | 102.6045% | 530 |
| Net loans and leases to core deposits | 102.6045% | 1,429 |
| Total domestic deposits to total assets | 60.4698% | 5,969 |
| Equity capital to assets | 38.5025% | 48 |
| Core capital (leverage) ratio | 38.3949% | 49 |
| Tier 1 risk-based capital ratio | 89.9684% | 48 |
| Total risk-based capital ratio | 91.2188% | 48 |
| Memoranda: | ||
| Average total assets | $33,237,670 | 5,792 |
| Average earning assets | $32,319,330 | 5,748 |
| Average equity | $12,706,670 | 4,199 |
| Average total loans | $20,979,000 | 5,599 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0487% | 5,644 |
| Cost of funding earning assets | 0.2098% | 5,111 |
| Net interest margin | 2.8389% | 5,413 |
| Noninterest income to average assets | 0.0360% | 6,005 |
| Noninterest expense to average assets | 2.5933% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1561% | 5,603 |
| Return on assets (ROA) | 0.1561% | 5,660 |
| Pretax return on assets | 0.2041% | 5,639 |
| Return on Equity (ROE) | 0.4097% | 5,782 |
| Retained earnings to average equity (ytd only) | 0.4097% | 5,016 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7039% | 511 |
| Assets per employee ($millions) | 5.5772% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 5,237 |
| Loan loss allowance to noncurrent loans | 25.3561% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 3.1946% | 379 |
| Noncurrent loans to loans | 3.3435% | 428 |
| Net loans and leases to total assets | 62.2120% | 3,496 |
| Net loans and leases to deposits | 102.0340% | 508 |
| Net loans and leases to core deposits | 102.0340% | 1,335 |
| Total domestic deposits to total assets | 60.9718% | 6,029 |
| Equity capital to assets | 37.9763% | 48 |
| Core capital (leverage) ratio | 38.1839% | 47 |
| Tier 1 risk-based capital ratio | 87.6051% | 49 |
| Total risk-based capital ratio | 88.8322% | 48 |
| Memoranda: | ||
| Average total assets | $33,316,000 | 5,852 |
| Average earning assets | $32,407,000 | 5,799 |
| Average equity | $12,691,500 | 4,210 |
| Average total loans | $21,117,000 | 5,643 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1538% | 5,573 |
| Cost of funding earning assets | 0.2349% | 4,952 |
| Net interest margin | 2.9189% | 5,300 |
| Noninterest income to average assets | -0.0794% | 6,139 |
| Noninterest expense to average assets | 2.5433% | 4,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1411% | 5,697 |
| Return on assets (ROA) | 0.1411% | 5,747 |
| Pretax return on assets | 0.1911% | 5,693 |
| Return on Equity (ROE) | 0.3840% | 5,855 |
| Retained earnings to average equity (ytd only) | 0.3840% | 5,362 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0108% | 529 |
| Assets per employee ($millions) | 5.5282% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8381% | 5,305 |
| Loan loss allowance to noncurrent loans | 24.5179% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 3.0330% | 432 |
| Noncurrent loans to loans | 3.4184% | 420 |
| Net loans and leases to total assets | 63.4930% | 3,348 |
| Net loans and leases to deposits | 104.4021% | 419 |
| Net loans and leases to core deposits | 104.4021% | 1,200 |
| Total domestic deposits to total assets | 60.8158% | 6,083 |
| Equity capital to assets | 38.2134% | 48 |
| Core capital (leverage) ratio | 37.4993% | 49 |
| Tier 1 risk-based capital ratio | 87.5365% | 43 |
| Total risk-based capital ratio | 88.7738% | 43 |
| Memoranda: | ||
| Average total assets | $34,010,400 | 5,890 |
| Average earning assets | $32,786,200 | 5,839 |
| Average equity | $12,500,600 | 4,220 |
| Average total loans | $21,460,800 | 5,663 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1437% | 5,650 |
| Cost of funding earning assets | 0.2390% | 5,003 |
| Net interest margin | 2.9047% | 5,404 |
| Noninterest income to average assets | -0.1052% | 6,236 |
| Noninterest expense to average assets | 2.5325% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1130% | 5,830 |
| Return on assets (ROA) | 0.1130% | 5,869 |
| Pretax return on assets | 0.1559% | 5,837 |
| Return on Equity (ROE) | 0.3104% | 5,943 |
| Retained earnings to average equity (ytd only) | 0.3104% | 5,518 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2029% | 482 |
| Assets per employee ($millions) | 5.6597% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 5,432 |
| Loan loss allowance to noncurrent loans | 20.1130% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 3.4189% | 384 |
| Noncurrent loans to loans | 4.1421% | 299 |
| Net loans and leases to total assets | 62.3947% | 3,550 |
| Net loans and leases to deposits | 102.3130% | 529 |
| Net loans and leases to core deposits | 102.3130% | 1,361 |
| Total domestic deposits to total assets | 60.9842% | 6,168 |
| Equity capital to assets | 36.7130% | 49 |
| Core capital (leverage) ratio | 37.1487% | 49 |
| Tier 1 risk-based capital ratio | 85.2864% | 53 |
| Total risk-based capital ratio | 86.4791% | 53 |
| Memoranda: | ||
| Average total assets | $34,220,750 | 5,968 |
| Average earning assets | $32,911,250 | 5,916 |
| Average equity | $12,457,000 | 4,273 |
| Average total loans | $21,516,500 | 5,728 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0859% | 5,757 |
| Cost of funding earning assets | 0.2430% | 5,024 |
| Net interest margin | 2.8429% | 5,537 |
| Noninterest income to average assets | -0.0758% | 6,297 |
| Noninterest expense to average assets | 2.5650% | 4,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0466% | 5,937 |
| Return on assets (ROA) | 0.0466% | 5,980 |
| Pretax return on assets | 0.0874% | 5,942 |
| Return on Equity (ROE) | 0.1285% | 6,012 |
| Retained earnings to average equity (ytd only) | 0.1285% | 5,467 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7033% | 414 |
| Assets per employee ($millions) | 5.6835% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 5,562 |
| Loan loss allowance to noncurrent loans | 21.5758% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 3.7242% | 373 |
| Noncurrent loans to loans | 3.7773% | 441 |
| Net loans and leases to total assets | 63.5260% | 3,340 |
| Net loans and leases to deposits | 103.6160% | 474 |
| Net loans and leases to core deposits | 103.6160% | 1,214 |
| Total domestic deposits to total assets | 61.3091% | 6,240 |
| Equity capital to assets | 36.5180% | 54 |
| Core capital (leverage) ratio | 37.0664% | 49 |
| Tier 1 risk-based capital ratio | 85.9959% | 53 |
| Total risk-based capital ratio | 87.1978% | 52 |
| Memoranda: | ||
| Average total assets | $34,308,330 | 6,030 |
| Average earning assets | $32,923,670 | 5,978 |
| Average equity | $12,453,670 | 4,294 |
| Average total loans | $21,566,670 | 5,788 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1411% | 5,736 |
| Cost of funding earning assets | 0.2426% | 5,099 |
| Net interest margin | 2.8986% | 5,458 |
| Noninterest income to average assets | 0.0232% | 6,287 |
| Noninterest expense to average assets | 2.5108% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2092% | 5,664 |
| Return on assets (ROA) | 0.2092% | 5,753 |
| Pretax return on assets | 0.2906% | 5,666 |
| Return on Equity (ROE) | 0.5781% | 5,977 |
| Retained earnings to average equity (ytd only) | 0.5781% | 5,200 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6266% | 878 |
| Assets per employee ($millions) | 5.7428% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 5,615 |
| Loan loss allowance to noncurrent loans | 19.7121% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 4.0601% | 371 |
| Noncurrent loans to loans | 4.2234% | 388 |
| Net loans and leases to total assets | 61.5347% | 3,443 |
| Net loans and leases to deposits | 99.9811% | 562 |
| Net loans and leases to core deposits | 99.9811% | 1,318 |
| Total domestic deposits to total assets | 61.5463% | 6,305 |
| Equity capital to assets | 36.2162% | 56 |
| Core capital (leverage) ratio | 37.0082% | 51 |
| Tier 1 risk-based capital ratio | 87.1581% | 62 |
| Total risk-based capital ratio | 88.3753% | 63 |
| Memoranda: | ||
| Average total assets | $34,412,000 | 6,091 |
| Average earning assets | $32,982,000 | 6,041 |
| Average equity | $12,454,000 | 4,330 |
| Average total loans | $21,429,500 | 5,839 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0855% | 5,973 |
| Cost of funding earning assets | 0.2885% | 4,915 |
| Net interest margin | 2.7970% | 5,811 |
| Noninterest income to average assets | 0.0340% | 6,325 |
| Noninterest expense to average assets | 2.4305% | 4,760 |
| Loan and lease loss provision to assets | 0.0993% | 2,499 |
| Net operating income to assets | 0.1560% | 5,861 |
| Return on assets (ROA) | 0.1560% | 5,911 |
| Pretax return on assets | 0.1985% | 5,871 |
| Return on Equity (ROE) | 0.4462% | 6,048 |
| Retained earnings to average equity (ytd only) | 0.4462% | 5,572 |
| Net charge-offs to loans | 0.1214% | 2,817 |
| Credit loss provision to net charge-offs | 134.6154% | 1,753 |
| Earnings coverage of net charge-offs (x) | 4.0385% | 3,751 |
| Efficiency ratio | 89.0852% | 904 |
| Assets per employee ($millions) | 5.7278% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8288% | 5,697 |
| Loan loss allowance to noncurrent loans | 19.6468% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 4.1028% | 402 |
| Noncurrent loans to loans | 4.2183% | 414 |
| Net loans and leases to total assets | 61.9781% | 3,503 |
| Net loans and leases to deposits | 100.3486% | 608 |
| Net loans and leases to core deposits | 100.3486% | 1,373 |
| Total domestic deposits to total assets | 61.7627% | 6,388 |
| Equity capital to assets | 36.1655% | 57 |
| Core capital (leverage) ratio | 37.0472% | 52 |
| Tier 1 risk-based capital ratio | 87.2115% | 53 |
| Total risk-based capital ratio | 88.4307% | 53 |
| Memoranda: | ||
| Average total assets | $35,260,600 | 6,151 |
| Average earning assets | $33,965,000 | 6,090 |
| Average equity | $12,326,200 | 4,296 |
| Average total loans | $21,422,000 | 5,906 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0354% | 6,099 |
| Cost of funding earning assets | 0.2922% | 4,963 |
| Net interest margin | 2.7431% | 5,947 |
| Noninterest income to average assets | 0.0413% | 6,403 |
| Noninterest expense to average assets | 2.3973% | 4,837 |
| Loan and lease loss provision to assets | 0.1315% | 1,907 |
| Net operating income to assets | 0.1127% | 6,011 |
| Return on assets (ROA) | 0.1127% | 6,040 |
| Pretax return on assets | 0.1578% | 6,004 |
| Return on Equity (ROE) | 0.3252% | 6,123 |
| Retained earnings to average equity (ytd only) | 0.3252% | 5,710 |
| Net charge-offs to loans | 0.0872% | 2,961 |
| Credit loss provision to net charge-offs | 250.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 5.4987% | 3,248 |
| Efficiency ratio | 89.2308% | 903 |
| Assets per employee ($millions) | 5.8627% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 5,594 |
| Loan loss allowance to noncurrent loans | 18.0952% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 3.9430% | 511 |
| Noncurrent loans to loans | 4.9943% | 368 |
| Net loans and leases to total assets | 59.2279% | 3,899 |
| Net loans and leases to deposits | 94.4767% | 995 |
| Net loans and leases to core deposits | 94.4767% | 1,810 |
| Total domestic deposits to total assets | 62.6905% | 6,453 |
| Equity capital to assets | 35.1120% | 57 |
| Core capital (leverage) ratio | 36.1241% | 55 |
| Tier 1 risk-based capital ratio | 86.5128% | 53 |
| Total risk-based capital ratio | 87.7655% | 53 |
| Memoranda: | ||
| Average total assets | $35,484,000 | 6,218 |
| Average earning assets | $34,217,750 | 6,154 |
| Average equity | $12,300,500 | 4,324 |
| Average total loans | $21,408,000 | 5,970 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0750% | 6,097 |
| Cost of funding earning assets | 0.2970% | 4,998 |
| Net interest margin | 2.7779% | 5,949 |
| Noninterest income to average assets | 0.0618% | 6,407 |
| Noninterest expense to average assets | 2.4223% | 4,815 |
| Loan and lease loss provision to assets | 0.1686% | 1,453 |
| Net operating income to assets | 0.1068% | 6,034 |
| Return on assets (ROA) | 0.1068% | 6,069 |
| Pretax return on assets | 0.1517% | 6,023 |
| Return on Equity (ROE) | 0.3094% | 6,175 |
| Retained earnings to average equity (ytd only) | 0.3094% | 5,599 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3197% | 1,056 |
| Assets per employee ($millions) | 5.9535% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 5,597 |
| Loan loss allowance to noncurrent loans | 17.3951% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 4.0284% | 527 |
| Noncurrent loans to loans | 5.4118% | 344 |
| Net loans and leases to total assets | 58.6210% | 3,912 |
| Net loans and leases to deposits | 92.7000% | 1,079 |
| Net loans and leases to core deposits | 93.8298% | 1,794 |
| Total domestic deposits to total assets | 63.2373% | 6,523 |
| Equity capital to assets | 34.4923% | 55 |
| Core capital (leverage) ratio | 35.5421% | 53 |
| Tier 1 risk-based capital ratio | 85.5699% | 53 |
| Total risk-based capital ratio | 86.8235% | 53 |
| Memoranda: | ||
| Average total assets | $35,586,670 | 6,277 |
| Average earning assets | $34,342,000 | 6,217 |
| Average equity | $12,283,670 | 4,343 |
| Average total loans | $21,536,000 | 6,013 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0073% | 6,239 |
| Cost of funding earning assets | 0.3031% | 5,031 |
| Net interest margin | 2.7043% | 6,106 |
| Noninterest income to average assets | 0.1126% | 6,291 |
| Noninterest expense to average assets | 2.4437% | 4,801 |
| Loan and lease loss provision to assets | 0.1689% | 1,427 |
| Net operating income to assets | 0.0676% | 6,092 |
| Return on assets (ROA) | 0.0676% | 6,117 |
| Pretax return on assets | 0.1126% | 6,055 |
| Return on Equity (ROE) | 0.1957% | 6,200 |
| Retained earnings to average equity (ytd only) | 0.1957% | 5,487 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6694% | 1,069 |
| Assets per employee ($millions) | 5.9278% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 5,976 |
| Loan loss allowance to noncurrent loans | 16.1545% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 3.7338% | 671 |
| Noncurrent loans to loans | 5.3339% | 388 |
| Net loans and leases to total assets | 59.5215% | 3,634 |
| Net loans and leases to deposits | 94.0012% | 793 |
| Net loans and leases to core deposits | 95.1503% | 1,457 |
| Total domestic deposits to total assets | 63.3199% | 6,598 |
| Equity capital to assets | 34.4617% | 59 |
| Core capital (leverage) ratio | 35.6566% | 57 |
| Tier 1 risk-based capital ratio | 86.0672% | 59 |
| Total risk-based capital ratio | 87.3159% | 59 |
| Memoranda: | ||
| Average total assets | $35,519,500 | 6,344 |
| Average earning assets | $34,316,000 | 6,277 |
| Average equity | $12,265,000 | 4,376 |
| Average total loans | $21,734,500 | 6,061 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1873% | 6,147 |
| Cost of funding earning assets | 0.3368% | 5,271 |
| Net interest margin | 2.8505% | 5,898 |
| Noninterest income to average assets | 0.0785% | 6,462 |
| Noninterest expense to average assets | 2.1660% | 5,702 |
| Loan and lease loss provision to assets | 0.5063% | 552 |
| Net operating income to assets | 0.1029% | 6,042 |
| Return on assets (ROA) | 0.1029% | 6,091 |
| Pretax return on assets | 0.1787% | 5,978 |
| Return on Equity (ROE) | 0.3085% | 6,199 |
| Retained earnings to average equity (ytd only) | 0.3085% | 5,706 |
| Net charge-offs to loans | 0.4279% | 1,562 |
| Credit loss provision to net charge-offs | 188.8889% | 1,212 |
| Earnings coverage of net charge-offs (x) | 2.5556% | 4,155 |
| Efficiency ratio | 75.9734% | 2,773 |
| Assets per employee ($millions) | 5.9120% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 6,244 |
| Loan loss allowance to noncurrent loans | 14.7341% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 3.7664% | 734 |
| Noncurrent loans to loans | 5.1865% | 462 |
| Net loans and leases to total assets | 61.8685% | 3,386 |
| Net loans and leases to deposits | 97.6854% | 610 |
| Net loans and leases to core deposits | 98.8826% | 1,244 |
| Total domestic deposits to total assets | 63.3345% | 6,678 |
| Equity capital to assets | 34.5991% | 58 |
| Core capital (leverage) ratio | 35.7380% | 52 |
| Tier 1 risk-based capital ratio | 84.7393% | 57 |
| Total risk-based capital ratio | 85.8690% | 57 |
| Memoranda: | ||
| Average total assets | $36,935,000 | 6,365 |
| Average earning assets | $35,923,400 | 6,291 |
| Average equity | $12,316,200 | 4,391 |
| Average total loans | $23,134,800 | 6,074 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1958% | 6,201 |
| Cost of funding earning assets | 0.3412% | 5,373 |
| Net interest margin | 2.8546% | 5,910 |
| Noninterest income to average assets | 0.0357% | 6,666 |
| Noninterest expense to average assets | 2.2448% | 5,495 |
| Loan and lease loss provision to assets | 0.1609% | 2,247 |
| Net operating income to assets | 0.2645% | 5,737 |
| Return on assets (ROA) | 0.2645% | 5,839 |
| Pretax return on assets | 0.4111% | 5,598 |
| Return on Equity (ROE) | 0.8004% | 6,213 |
| Retained earnings to average equity (ytd only) | 0.8004% | 5,658 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6954% | 2,148 |
| Assets per employee ($millions) | 6.0968% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5481% | 6,618 |
| Loan loss allowance to noncurrent loans | 10.8340% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 3.2449% | 1,094 |
| Noncurrent loans to loans | 5.0594% | 587 |
| Net loans and leases to total assets | 62.4942% | 3,263 |
| Net loans and leases to deposits | 97.1733% | 613 |
| Net loans and leases to core deposits | 98.3100% | 1,219 |
| Total domestic deposits to total assets | 64.3121% | 6,739 |
| Equity capital to assets | 33.5666% | 57 |
| Core capital (leverage) ratio | 34.7503% | 50 |
| Tier 1 risk-based capital ratio | 83.3301% | 54 |
| Total risk-based capital ratio | 84.1560% | 54 |
| Memoranda: | ||
| Average total assets | $37,300,750 | 6,426 |
| Average earning assets | $36,338,250 | 6,345 |
| Average equity | $12,327,000 | 4,431 |
| Average total loans | $23,389,750 | 6,124 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2149% | 6,210 |
| Cost of funding earning assets | 0.3499% | 5,407 |
| Net interest margin | 2.8650% | 5,860 |
| Noninterest income to average assets | 0.0533% | 6,662 |
| Noninterest expense to average assets | 2.2482% | 5,504 |
| Loan and lease loss provision to assets | 0.1598% | 2,323 |
| Net operating income to assets | 0.2824% | 5,655 |
| Return on assets (ROA) | 0.2824% | 5,796 |
| Pretax return on assets | 0.4369% | 5,557 |
| Return on Equity (ROE) | 0.8588% | 6,239 |
| Retained earnings to average equity (ytd only) | 0.8588% | 5,556 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0262% | 2,294 |
| Assets per employee ($millions) | 6.1983% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4849% | 6,717 |
| Loan loss allowance to noncurrent loans | 10.6833% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 2.8583% | 1,438 |
| Noncurrent loans to loans | 4.5385% | 766 |
| Net loans and leases to total assets | 61.2584% | 3,436 |
| Net loans and leases to deposits | 94.4645% | 779 |
| Net loans and leases to core deposits | 95.5420% | 1,395 |
| Total domestic deposits to total assets | 64.8481% | 6,781 |
| Equity capital to assets | 33.0842% | 56 |
| Core capital (leverage) ratio | 34.1221% | 51 |
| Tier 1 risk-based capital ratio | 81.3931% | 55 |
| Total risk-based capital ratio | 82.1051% | 55 |
| Memoranda: | ||
| Average total assets | $37,540,670 | 6,471 |
| Average earning assets | $36,579,670 | 6,378 |
| Average equity | $12,343,000 | 4,452 |
| Average total loans | $23,524,000 | 6,149 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 6,100 |
| Cost of funding earning assets | 0.3588% | 5,457 |
| Net interest margin | 2.9681% | 5,660 |
| Noninterest income to average assets | 0.0212% | 6,811 |
| Noninterest expense to average assets | 2.2484% | 5,571 |
| Loan and lease loss provision to assets | 0.1591% | 2,283 |
| Net operating income to assets | 0.3182% | 5,502 |
| Return on assets (ROA) | 0.3182% | 5,634 |
| Pretax return on assets | 0.5091% | 5,223 |
| Return on Equity (ROE) | 0.9707% | 6,228 |
| Retained earnings to average equity (ytd only) | 0.9707% | 5,457 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0909% | 2,742 |
| Assets per employee ($millions) | 6.2465% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4056% | 6,846 |
| Loan loss allowance to noncurrent loans | 8.6957% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 3.1031% | 1,425 |
| Noncurrent loans to loans | 4.6649% | 867 |
| Net loans and leases to total assets | 62.8886% | 2,904 |
| Net loans and leases to deposits | 96.8803% | 497 |
| Net loans and leases to core deposits | 97.9756% | 1,082 |
| Total domestic deposits to total assets | 64.9137% | 6,866 |
| Equity capital to assets | 33.0425% | 58 |
| Core capital (leverage) ratio | 33.8003% | 54 |
| Tier 1 risk-based capital ratio | 81.6711% | 58 |
| Total risk-based capital ratio | 82.2900% | 60 |
| Memoranda: | ||
| Average total assets | $37,716,000 | 6,531 |
| Average earning assets | $36,791,500 | 6,439 |
| Average equity | $12,362,500 | 4,502 |
| Average total loans | $23,839,500 | 6,186 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3980% | 6,487 |
| Cost of funding earning assets | 0.4625% | 5,474 |
| Net interest margin | 2.9354% | 6,165 |
| Noninterest income to average assets | 0.0307% | 6,751 |
| Noninterest expense to average assets | 2.6684% | 4,514 |
| Loan and lease loss provision to assets | 0.1535% | 3,692 |
| Net operating income to assets | 0.0665% | 6,063 |
| Return on assets (ROA) | 0.0665% | 6,209 |
| Pretax return on assets | 0.0665% | 6,201 |
| Return on Equity (ROE) | 0.2105% | 6,276 |
| Retained earnings to average equity (ytd only) | 0.2105% | 5,742 |
| Net charge-offs to loans | 0.4095% | 2,616 |
| Credit loss provision to net charge-offs | 57.6923% | 4,510 |
| Earnings coverage of net charge-offs (x) | 0.8269% | 5,062 |
| Efficiency ratio | 92.3826% | 892 |
| Assets per employee ($millions) | 6.3255% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3373% | 6,932 |
| Loan loss allowance to noncurrent loans | 7.3303% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 3.0670% | 1,538 |
| Noncurrent loans to loans | 4.6017% | 919 |
| Net loans and leases to total assets | 63.0569% | 3,046 |
| Net loans and leases to deposits | 96.2632% | 601 |
| Net loans and leases to core deposits | 96.2632% | 1,281 |
| Total domestic deposits to total assets | 65.5047% | 6,908 |
| Equity capital to assets | 32.5165% | 60 |
| Core capital (leverage) ratio | 33.2991% | 53 |
| Tier 1 risk-based capital ratio | 80.3280% | 63 |
| Total risk-based capital ratio | 80.8428% | 63 |
| Memoranda: | ||
| Average total assets | $39,086,600 | 6,530 |
| Average earning assets | $38,052,200 | 6,427 |
| Average equity | $12,351,000 | 4,487 |
| Average total loans | $25,395,400 | 6,168 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4177% | 6,606 |
| Cost of funding earning assets | 0.4803% | 5,567 |
| Net interest margin | 2.9374% | 6,296 |
| Noninterest income to average assets | 0.0102% | 6,908 |
| Noninterest expense to average assets | 2.7194% | 4,292 |
| Loan and lease loss provision to assets | 0.1524% | 3,629 |
| Net operating income to assets | -0.0102% | 6,298 |
| Return on assets (ROA) | -0.0102% | 6,419 |
| Pretax return on assets | -0.0034% | 6,396 |
| Return on Equity (ROE) | -0.0324% | 6,411 |
| Retained earnings to average equity (ytd only) | -0.0324% | 6,082 |
| Net charge-offs to loans | 0.2435% | 3,261 |
| Credit loss provision to net charge-offs | 95.7447% | 3,117 |
| Earnings coverage of net charge-offs (x) | 0.9362% | 4,858 |
| Efficiency ratio | 94.8052% | 723 |
| Assets per employee ($millions) | 5.4579% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5019% | 6,952 |
| Loan loss allowance to noncurrent loans | 8.4478% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 4.3214% | 1,082 |
| Noncurrent loans to loans | 5.9409% | 690 |
| Net loans and leases to total assets | 63.8267% | 3,056 |
| Net loans and leases to deposits | 97.2871% | 581 |
| Net loans and leases to core deposits | 97.2871% | 1,314 |
| Total domestic deposits to total assets | 65.6066% | 6,985 |
| Equity capital to assets | 32.3073% | 60 |
| Core capital (leverage) ratio | 33.0035% | 56 |
| Tier 1 risk-based capital ratio | 78.8112% | 63 |
| Total risk-based capital ratio | 79.5800% | 64 |
| Memoranda: | ||
| Average total assets | $39,370,000 | 6,603 |
| Average earning assets | $38,309,500 | 6,499 |
| Average equity | $12,353,500 | 4,529 |
| Average total loans | $25,741,000 | 6,234 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4831% | 6,629 |
| Cost of funding earning assets | 0.5013% | 5,609 |
| Net interest margin | 2.9818% | 6,278 |
| Noninterest income to average assets | 0.0151% | 6,958 |
| Noninterest expense to average assets | 2.6410% | 4,642 |
| Loan and lease loss provision to assets | 0.1509% | 3,640 |
| Net operating income to assets | 0.1107% | 6,134 |
| Return on assets (ROA) | 0.1107% | 6,295 |
| Pretax return on assets | 0.1258% | 6,271 |
| Return on Equity (ROE) | 0.3561% | 6,415 |
| Retained earnings to average equity (ytd only) | 0.3561% | 5,927 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5172% | 1,039 |
| Assets per employee ($millions) | 5.5354% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6131% | 6,919 |
| Loan loss allowance to noncurrent loans | 11.9599% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 3.6466% | 1,442 |
| Noncurrent loans to loans | 5.1266% | 940 |
| Net loans and leases to total assets | 64.8421% | 2,867 |
| Net loans and leases to deposits | 98.0220% | 529 |
| Net loans and leases to core deposits | 98.0220% | 1,268 |
| Total domestic deposits to total assets | 66.1505% | 7,045 |
| Equity capital to assets | 31.9191% | 60 |
| Core capital (leverage) ratio | 31.9191% | 57 |
| Tier 1 risk-based capital ratio | 75.2403% | 64 |
| Total risk-based capital ratio | 76.1832% | 63 |
| Memoranda: | ||
| Average total assets | $39,758,330 | 6,638 |
| Average earning assets | $38,701,670 | 6,524 |
| Average equity | $12,357,000 | 4,533 |
| Average total loans | $26,152,000 | 6,251 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5515% | 6,632 |
| Cost of funding earning assets | 0.5409% | 5,551 |
| Net interest margin | 3.0106% | 6,274 |
| Noninterest income to average assets | 0.0199% | 7,047 |
| Noninterest expense to average assets | 2.6525% | 4,611 |
| Loan and lease loss provision to assets | 0.1490% | 3,499 |
| Net operating income to assets | 0.1093% | 6,221 |
| Return on assets (ROA) | 0.1093% | 6,346 |
| Pretax return on assets | 0.1490% | 6,294 |
| Return on Equity (ROE) | 0.3562% | 6,467 |
| Retained earnings to average equity (ytd only) | 0.3562% | 5,877 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8990% | 1,105 |
| Assets per employee ($millions) | 5.7649% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5327% | 7,043 |
| Loan loss allowance to noncurrent loans | 14.4330% | 6,698 |
| Noncurrent assets plus other real estate owned to assets | 2.6491% | 2,233 |
| Noncurrent loans to loans | 3.6910% | 1,679 |
| Net loans and leases to total assets | 64.7767% | 2,697 |
| Net loans and leases to deposits | 96.0323% | 534 |
| Net loans and leases to core deposits | 98.3890% | 1,102 |
| Total domestic deposits to total assets | 67.4530% | 7,066 |
| Equity capital to assets | 30.6215% | 60 |
| Core capital (leverage) ratio | 30.6215% | 59 |
| Tier 1 risk-based capital ratio | 72.9715% | 63 |
| Total risk-based capital ratio | 73.7983% | 64 |
| Memoranda: | ||
| Average total assets | $40,263,500 | 6,675 |
| Average earning assets | $39,195,000 | 6,554 |
| Average equity | $12,351,500 | 4,543 |
| Average total loans | $26,588,000 | 6,275 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0643% | 6,331 |
| Cost of funding earning assets | 0.8045% | 4,832 |
| Net interest margin | 3.2598% | 5,931 |
| Noninterest income to average assets | 0.0102% | 6,953 |
| Noninterest expense to average assets | 2.6780% | 4,825 |
| Loan and lease loss provision to assets | 0.3840% | 2,687 |
| Net operating income to assets | -0.0610% | 6,121 |
| Return on assets (ROA) | -0.0610% | 6,207 |
| Pretax return on assets | 0.1322% | 5,917 |
| Return on Equity (ROE) | -0.1903% | 6,181 |
| Retained earnings to average equity (ytd only) | -0.1903% | 5,881 |
| Net charge-offs to loans | 0.5058% | 2,970 |
| Credit loss provision to net charge-offs | 105.5944% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.4196% | 4,707 |
| Efficiency ratio | 83.8376% | 1,784 |
| Assets per employee ($millions) | 5.7390% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4648% | 7,127 |
| Loan loss allowance to noncurrent loans | 11.6932% | 6,798 |
| Noncurrent assets plus other real estate owned to assets | 2.9074% | 2,078 |
| Noncurrent loans to loans | 3.9746% | 1,572 |
| Net loans and leases to total assets | 66.6393% | 2,654 |
| Net loans and leases to deposits | 98.9174% | 508 |
| Net loans and leases to core deposits | 101.4245% | 1,067 |
| Total domestic deposits to total assets | 67.3686% | 7,094 |
| Equity capital to assets | 30.7321% | 63 |
| Core capital (leverage) ratio | 30.7321% | 59 |
| Tier 1 risk-based capital ratio | 71.6541% | 66 |
| Total risk-based capital ratio | 72.3796% | 65 |
| Memoranda: | ||
| Average total assets | $39,320,800 | 6,700 |
| Average earning assets | $38,407,400 | 6,585 |
| Average equity | $12,612,000 | 4,414 |
| Average total loans | $28,273,200 | 6,239 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1585% | 6,298 |
| Cost of funding earning assets | 0.8470% | 4,796 |
| Net interest margin | 3.3114% | 5,825 |
| Noninterest income to average assets | 0.0136% | 7,068 |
| Noninterest expense to average assets | 2.6286% | 4,979 |
| Loan and lease loss provision to assets | 0.1671% | 4,387 |
| Net operating income to assets | 0.2250% | 5,633 |
| Return on assets (ROA) | 0.2250% | 5,766 |
| Pretax return on assets | 0.4568% | 5,296 |
| Return on Equity (ROE) | 0.6941% | 6,129 |
| Retained earnings to average equity (ytd only) | 0.6941% | 5,739 |
| Net charge-offs to loans | 0.1771% | 4,387 |
| Credit loss provision to net charge-offs | 128.9474% | 2,466 |
| Earnings coverage of net charge-offs (x) | 4.8153% | 2,952 |
| Efficiency ratio | 80.8176% | 2,141 |
| Assets per employee ($millions) | 5.8273% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4552% | 7,189 |
| Loan loss allowance to noncurrent loans | 10.8751% | 6,885 |
| Noncurrent assets plus other real estate owned to assets | 2.8854% | 2,245 |
| Noncurrent loans to loans | 4.1859% | 1,569 |
| Net loans and leases to total assets | 68.6181% | 2,348 |
| Net loans and leases to deposits | 100.9485% | 429 |
| Net loans and leases to core deposits | 103.4750% | 1,010 |
| Total domestic deposits to total assets | 67.9733% | 7,145 |
| Equity capital to assets | 31.1392% | 71 |
| Core capital (leverage) ratio | 31.1392% | 68 |
| Tier 1 risk-based capital ratio | 72.7616% | 75 |
| Total risk-based capital ratio | 73.4949% | 75 |
| Memoranda: | ||
| Average total assets | $39,107,750 | 6,764 |
| Average earning assets | $38,250,500 | 6,649 |
| Average equity | $12,678,500 | 4,409 |
| Average total loans | $28,617,500 | 6,277 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 6,030 |
| Cost of funding earning assets | 0.8764% | 4,858 |
| Net interest margin | 3.4205% | 5,479 |
| Noninterest income to average assets | 0.0156% | 7,157 |
| Noninterest expense to average assets | 2.6877% | 4,865 |
| Loan and lease loss provision to assets | 0.0830% | 5,272 |
| Net operating income to assets | 0.3373% | 5,224 |
| Return on assets (ROA) | 0.3373% | 5,359 |
| Pretax return on assets | 0.5863% | 4,785 |
| Return on Equity (ROE) | 1.0260% | 6,079 |
| Retained earnings to average equity (ytd only) | 1.0260% | 5,451 |
| Net charge-offs to loans | 0.1320% | 4,422 |
| Credit loss provision to net charge-offs | 84.2105% | 3,640 |
| Earnings coverage of net charge-offs (x) | 6.7895% | 2,332 |
| Efficiency ratio | 80.0618% | 2,382 |
| Assets per employee ($millions) | 5.6900% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4022% | 7,295 |
| Loan loss allowance to noncurrent loans | 9.5079% | 6,957 |
| Noncurrent assets plus other real estate owned to assets | 3.0103% | 2,232 |
| Noncurrent loans to loans | 4.2297% | 1,605 |
| Net loans and leases to total assets | 70.8838% | 2,032 |
| Net loans and leases to deposits | 105.3156% | 285 |
| Net loans and leases to core deposits | 108.0565% | 815 |
| Total domestic deposits to total assets | 67.3061% | 7,225 |
| Equity capital to assets | 31.8880% | 71 |
| Core capital (leverage) ratio | 31.8880% | 70 |
| Tier 1 risk-based capital ratio | 72.9775% | 77 |
| Total risk-based capital ratio | 73.6325% | 77 |
| Memoranda: | ||
| Average total assets | $38,546,670 | 6,841 |
| Average earning assets | $37,655,000 | 6,731 |
| Average equity | $12,670,670 | 4,407 |
| Average total loans | $28,784,000 | 6,332 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 5,413 |
| Cost of funding earning assets | 0.8978% | 4,941 |
| Net interest margin | 3.5802% | 4,660 |
| Noninterest income to average assets | 0.0317% | 7,213 |
| Noninterest expense to average assets | 2.7331% | 4,706 |
| Loan and lease loss provision to assets | 0.0739% | 5,078 |
| Net operating income to assets | 0.4116% | 4,897 |
| Return on assets (ROA) | 0.4116% | 4,987 |
| Pretax return on assets | 0.7176% | 4,230 |
| Return on Equity (ROE) | 1.2327% | 6,064 |
| Retained earnings to average equity (ytd only) | 1.2327% | 5,328 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5449% | 2,910 |
| Assets per employee ($millions) | 5.4974% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4359% | 7,328 |
| Loan loss allowance to noncurrent loans | 12.3629% | 6,976 |
| Noncurrent assets plus other real estate owned to assets | 2.6064% | 2,629 |
| Noncurrent loans to loans | 3.5256% | 2,112 |
| Net loans and leases to total assets | 73.6058% | 1,403 |
| Net loans and leases to deposits | 111.2093% | 165 |
| Net loans and leases to core deposits | 115.4332% | 546 |
| Total domestic deposits to total assets | 66.1868% | 7,323 |
| Equity capital to assets | 32.9375% | 67 |
| Core capital (leverage) ratio | 32.9375% | 66 |
| Tier 1 risk-based capital ratio | 74.0838% | 73 |
| Total risk-based capital ratio | 74.8086% | 73 |
| Memoranda: | ||
| Average total assets | $37,905,000 | 6,907 |
| Average earning assets | $36,981,000 | 6,807 |
| Average equity | $12,655,500 | 4,409 |
| Average total loans | $29,002,500 | 6,372 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9877% | 4,620 |
| Cost of funding earning assets | 1.3463% | 3,598 |
| Net interest margin | 3.6414% | 4,616 |
| Noninterest income to average assets | 0.0107% | 7,247 |
| Noninterest expense to average assets | 2.7018% | 4,979 |
| Loan and lease loss provision to assets | 0.0482% | 6,676 |
| Net operating income to assets | 0.4708% | 4,227 |
| Return on assets (ROA) | 0.4708% | 4,393 |
| Pretax return on assets | 0.8132% | 3,587 |
| Return on Equity (ROE) | 1.4024% | 5,585 |
| Retained earnings to average equity (ytd only) | 1.4024% | 4,834 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8258% | 3,077 |
| Assets per employee ($millions) | 5.3326% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3959% | 7,426 |
| Loan loss allowance to noncurrent loans | 10.5311% | 7,083 |
| Noncurrent assets plus other real estate owned to assets | 2.9763% | 2,363 |
| Noncurrent loans to loans | 3.7590% | 1,972 |
| Net loans and leases to total assets | 78.8657% | 823 |
| Net loans and leases to deposits | 120.9341% | 111 |
| Net loans and leases to core deposits | 127.1059% | 372 |
| Total domestic deposits to total assets | 65.2138% | 7,412 |
| Equity capital to assets | 33.8513% | 65 |
| Core capital (leverage) ratio | 33.8513% | 71 |
| Tier 1 risk-based capital ratio | 72.8552% | 74 |
| Total risk-based capital ratio | 73.5298% | 74 |
| Memoranda: | ||
| Average total assets | $37,383,000 | 6,958 |
| Average earning assets | $36,469,600 | 6,861 |
| Average equity | $12,549,800 | 4,470 |
| Average total loans | $31,469,400 | 6,339 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0446% | 4,608 |
| Cost of funding earning assets | 1.4319% | 3,382 |
| Net interest margin | 3.6127% | 4,815 |
| Noninterest income to average assets | 0.0143% | 7,401 |
| Noninterest expense to average assets | 2.6526% | 5,101 |
| Loan and lease loss provision to assets | 0.0499% | 6,586 |
| Net operating income to assets | 0.4777% | 4,409 |
| Return on assets (ROA) | 0.4777% | 4,608 |
| Pretax return on assets | 0.8378% | 3,775 |
| Return on Equity (ROE) | 1.4261% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.4261% | 5,233 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9245% | 3,160 |
| Assets per employee ($millions) | 5.4137% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3664% | 7,558 |
| Loan loss allowance to noncurrent loans | 16.3768% | 7,035 |
| Noncurrent assets plus other real estate owned to assets | 1.8208% | 3,720 |
| Noncurrent loans to loans | 2.2371% | 3,408 |
| Net loans and leases to total assets | 81.0904% | 611 |
| Net loans and leases to deposits | 123.3938% | 97 |
| Net loans and leases to core deposits | 129.5149% | 386 |
| Total domestic deposits to total assets | 65.7167% | 7,480 |
| Equity capital to assets | 33.2331% | 73 |
| Core capital (leverage) ratio | 33.2331% | 69 |
| Tier 1 risk-based capital ratio | 71.7730% | 78 |
| Total risk-based capital ratio | 72.4169% | 80 |
| Memoranda: | ||
| Average total assets | $37,396,750 | 7,039 |
| Average earning assets | $36,500,250 | 6,940 |
| Average equity | $12,528,250 | 4,542 |
| Average total loans | $31,947,750 | 6,396 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1243% | 4,325 |
| Cost of funding earning assets | 1.4806% | 3,363 |
| Net interest margin | 3.6437% | 4,612 |
| Noninterest income to average assets | 0.0161% | 7,476 |
| Noninterest expense to average assets | 2.6752% | 5,013 |
| Loan and lease loss provision to assets | 0.0483% | 6,482 |
| Net operating income to assets | 0.4835% | 4,399 |
| Return on assets (ROA) | 0.4835% | 4,557 |
| Pretax return on assets | 0.8488% | 3,711 |
| Return on Equity (ROE) | 1.4393% | 5,823 |
| Retained earnings to average equity (ytd only) | 1.4393% | 5,157 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8872% | 3,283 |
| Assets per employee ($millions) | 5.4639% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3371% | 7,642 |
| Loan loss allowance to noncurrent loans | 23.5808% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 4,746 |
| Noncurrent loans to loans | 1.4296% | 4,564 |
| Net loans and leases to total assets | 83.4837% | 396 |
| Net loans and leases to deposits | 126.1258% | 88 |
| Net loans and leases to core deposits | 132.2427% | 385 |
| Total domestic deposits to total assets | 66.1908% | 7,523 |
| Equity capital to assets | 32.8130% | 69 |
| Core capital (leverage) ratio | 32.8130% | 67 |
| Tier 1 risk-based capital ratio | 70.4621% | 86 |
| Total risk-based capital ratio | 71.0684% | 86 |
| Memoranda: | ||
| Average total assets | $37,230,330 | 7,102 |
| Average earning assets | $36,337,000 | 6,989 |
| Average equity | $12,506,330 | 4,547 |
| Average total loans | $32,316,000 | 6,421 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2131% | 3,951 |
| Cost of funding earning assets | 1.4958% | 3,588 |
| Net interest margin | 3.7173% | 4,159 |
| Noninterest income to average assets | 0.0327% | 7,546 |
| Noninterest expense to average assets | 2.6796% | 5,002 |
| Loan and lease loss provision to assets | 0.0545% | 6,114 |
| Net operating income to assets | 0.5337% | 4,214 |
| Return on assets (ROA) | 0.5337% | 4,353 |
| Pretax return on assets | 0.9259% | 3,365 |
| Return on Equity (ROE) | 1.5699% | 5,935 |
| Retained earnings to average equity (ytd only) | 1.5699% | 5,163 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2143% | 3,720 |
| Assets per employee ($millions) | 5.3314% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3221% | 7,743 |
| Loan loss allowance to noncurrent loans | 14.2271% | 7,229 |
| Noncurrent assets plus other real estate owned to assets | 1.9587% | 3,551 |
| Noncurrent loans to loans | 2.2640% | 3,438 |
| Net loans and leases to total assets | 86.2379% | 201 |
| Net loans and leases to deposits | 131.6965% | 73 |
| Net loans and leases to core deposits | 138.2890% | 348 |
| Total domestic deposits to total assets | 65.4823% | 7,635 |
| Equity capital to assets | 33.5182% | 70 |
| Core capital (leverage) ratio | 33.5182% | 70 |
| Tier 1 risk-based capital ratio | 69.9961% | 81 |
| Total risk-based capital ratio | 70.5780% | 85 |
| Memoranda: | ||
| Average total assets | $36,722,000 | 7,208 |
| Average earning assets | $35,832,500 | 7,095 |
| Average equity | $12,484,500 | 4,593 |
| Average total loans | $32,455,000 | 6,488 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 4,321 |
| Cost of funding earning assets | 1.7709% | 4,145 |
| Net interest margin | 3.7002% | 4,144 |
| Noninterest income to average assets | 0.0111% | 7,655 |
| Noninterest expense to average assets | 2.7397% | 5,198 |
| Loan and lease loss provision to assets | 0.0498% | 7,062 |
| Net operating income to assets | 0.4866% | 3,785 |
| Return on assets (ROA) | 0.4866% | 3,884 |
| Pretax return on assets | 0.8377% | 3,123 |
| Return on Equity (ROE) | 1.4225% | 5,115 |
| Retained earnings to average equity (ytd only) | 1.4225% | 4,072 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5335% | 3,608 |
| Assets per employee ($millions) | 5.1606% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3035% | 7,827 |
| Loan loss allowance to noncurrent loans | 26.5416% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 1.0326% | 5,038 |
| Noncurrent loans to loans | 1.1434% | 5,045 |
| Net loans and leases to total assets | 90.0316% | 89 |
| Net loans and leases to deposits | 139.6316% | 62 |
| Net loans and leases to core deposits | 167.4458% | 261 |
| Total domestic deposits to total assets | 64.4779% | 7,692 |
| Equity capital to assets | 34.4923% | 80 |
| Core capital (leverage) ratio | 34.4923% | 80 |
| Tier 1 risk-based capital ratio | 70.9688% | 88 |
| Total risk-based capital ratio | 71.5327% | 88 |
| Memoranda: | ||
| Average total assets | $36,171,800 | 7,237 |
| Average earning assets | $35,349,200 | 7,124 |
| Average equity | $12,372,400 | 4,659 |
| Average total loans | $33,364,000 | 6,437 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4989% | 4,427 |
| Cost of funding earning assets | 1.8242% | 4,261 |
| Net interest margin | 3.6747% | 4,186 |
| Noninterest income to average assets | 0.0111% | 7,802 |
| Noninterest expense to average assets | 2.7526% | 5,096 |
| Loan and lease loss provision to assets | 0.0479% | 6,893 |
| Net operating income to assets | 0.4901% | 4,023 |
| Return on assets (ROA) | 0.4901% | 4,121 |
| Pretax return on assets | 0.8033% | 3,532 |
| Return on Equity (ROE) | 1.4358% | 5,357 |
| Retained earnings to average equity (ytd only) | 1.4358% | 4,511 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3804% | 3,439 |
| Assets per employee ($millions) | 5.1226% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2839% | 7,913 |
| Loan loss allowance to noncurrent loans | 59.8726% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 6,359 |
| Noncurrent loans to loans | 0.4741% | 6,371 |
| Net loans and leases to total assets | 92.0910% | 55 |
| Net loans and leases to deposits | 143.0825% | 68 |
| Net loans and leases to core deposits | 163.2570% | 339 |
| Total domestic deposits to total assets | 64.3622% | 7,754 |
| Equity capital to assets | 34.6283% | 91 |
| Core capital (leverage) ratio | 34.6283% | 100 |
| Tier 1 risk-based capital ratio | 71.1372% | 88 |
| Total risk-based capital ratio | 71.6757% | 89 |
| Memoranda: | ||
| Average total assets | $36,183,750 | 7,303 |
| Average earning assets | $35,376,000 | 7,191 |
| Average equity | $12,350,500 | 4,699 |
| Average total loans | $33,549,500 | 6,476 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5035% | 4,605 |
| Cost of funding earning assets | 1.8495% | 4,512 |
| Net interest margin | 3.6540% | 4,147 |
| Noninterest income to average assets | 0.0110% | 7,911 |
| Noninterest expense to average assets | 2.7499% | 5,179 |
| Loan and lease loss provision to assets | 0.0496% | 6,736 |
| Net operating income to assets | 0.4794% | 4,177 |
| Return on assets (ROA) | 0.4794% | 4,289 |
| Pretax return on assets | 0.7825% | 3,731 |
| Return on Equity (ROE) | 1.4114% | 5,493 |
| Retained earnings to average equity (ytd only) | 1.4114% | 4,548 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7692% | 3,547 |
| Assets per employee ($millions) | 5.1744% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2708% | 8,011 |
| Loan loss allowance to noncurrent loans | 22.1130% | 7,009 |
| Noncurrent assets plus other real estate owned to assets | 1.1237% | 4,705 |
| Noncurrent loans to loans | 1.2246% | 4,760 |
| Net loans and leases to total assets | 91.5104% | 70 |
| Net loans and leases to deposits | 140.9748% | 80 |
| Net loans and leases to core deposits | 165.9125% | 372 |
| Total domestic deposits to total assets | 64.9126% | 7,796 |
| Equity capital to assets | 34.1542% | 107 |
| Core capital (leverage) ratio | 34.1542% | 114 |
| Tier 1 risk-based capital ratio | 69.7783% | 104 |
| Total risk-based capital ratio | 70.2860% | 105 |
| Memoranda: | ||
| Average total assets | $36,292,330 | 7,370 |
| Average earning assets | $35,468,330 | 7,241 |
| Average equity | $12,328,330 | 4,729 |
| Average total loans | $33,694,000 | 6,524 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5083% | 4,869 |
| Cost of funding earning assets | 1.8586% | 4,833 |
| Net interest margin | 3.6497% | 4,105 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 2.7307% | 4,870 |
| Loan and lease loss provision to assets | 0.0440% | 6,417 |
| Net operating income to assets | 0.5065% | 4,391 |
| Return on assets (ROA) | 0.5065% | 4,578 |
| Pretax return on assets | 0.7928% | 4,100 |
| Return on Equity (ROE) | 1.4951% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.4951% | 5,012 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5432% | 3,398 |
| Assets per employee ($millions) | 5.2270% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2503% | 8,071 |
| Loan loss allowance to noncurrent loans | 28.1457% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 5,115 |
| Noncurrent loans to loans | 0.8892% | 5,225 |
| Net loans and leases to total assets | 92.5961% | 52 |
| Net loans and leases to deposits | 149.7062% | 65 |
| Net loans and leases to core deposits | 167.6730% | 382 |
| Total domestic deposits to total assets | 61.8519% | 7,923 |
| Equity capital to assets | 33.6987% | 117 |
| Core capital (leverage) ratio | 33.6987% | 125 |
| Tier 1 risk-based capital ratio | 68.6144% | 113 |
| Total risk-based capital ratio | 69.0874% | 114 |
| Memoranda: | ||
| Average total assets | $36,328,000 | 7,401 |
| Average earning assets | $35,510,000 | 7,281 |
| Average equity | $12,307,000 | 4,750 |
| Average total loans | $33,923,000 | 6,545 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7272% | 6,688 |
| Cost of funding earning assets | 2.1455% | 5,852 |
| Net interest margin | 3.5817% | 4,969 |
| Noninterest income to average assets | 0.0114% | 8,060 |
| Noninterest expense to average assets | 2.9619% | 4,221 |
| Loan and lease loss provision to assets | 0.0427% | 6,879 |
| Net operating income to assets | 0.3557% | 5,329 |
| Return on assets (ROA) | 0.3557% | 5,128 |
| Pretax return on assets | 0.4979% | 4,979 |
| Return on Equity (ROE) | 1.0233% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.0233% | 4,613 |
| Net charge-offs to loans | 0.0242% | 6,509 |
| Credit loss provision to net charge-offs | 187.5000% | 2,642 |
| Earnings coverage of net charge-offs (x) | 23.7500% | 1,404 |
| Efficiency ratio | 84.5654% | 2,005 |
| Assets per employee ($millions) | 5.1524% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2391% | 8,133 |
| Loan loss allowance to noncurrent loans | 43.5484% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 5,634 |
| Noncurrent loans to loans | 0.5490% | 5,720 |
| Net loans and leases to total assets | 93.7145% | 36 |
| Net loans and leases to deposits | 154.2112% | 74 |
| Net loans and leases to core deposits | 179.0823% | 296 |
| Total domestic deposits to total assets | 60.7702% | 7,935 |
| Equity capital to assets | 34.0588% | 134 |
| Core capital (leverage) ratio | 34.0588% | 142 |
| Tier 1 risk-based capital ratio | 69.0461% | 122 |
| Total risk-based capital ratio | 69.5014% | 124 |
| Memoranda: | ||
| Average total assets | $35,146,600 | 7,416 |
| Average earning assets | $34,257,400 | 7,315 |
| Average equity | $12,215,200 | 4,773 |
| Average total loans | $33,094,600 | 6,540 |