Home > Quontic Bank > Performance and Condition Ratios
Quontic Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2451% | 253 |
| Cost of funding earning assets | 3.8979% | 48 |
| Net interest margin | 3.3472% | 2,670 |
| Noninterest income to average assets | 2.7700% | 200 |
| Noninterest expense to average assets | 5.0562% | 230 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 0.5652% | 3,433 |
| Return on assets (ROA) | 0.5652% | 3,449 |
| Pretax return on assets | 0.8324% | 3,121 |
| Return on Equity (ROE) | 5.1200% | 3,514 |
| Retained earnings to average equity (ytd only) | 5.1235% | 2,532 |
| Net charge-offs to loans | 0.0007% | 2,309 |
| Credit loss provision to net charge-offs | 17,000.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 1,737.0000% | 41 |
| Efficiency ratio | 84.5669% | 709 |
| Assets per employee ($millions) | 4.3249% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1492% | 4,364 |
| Loan loss allowance to noncurrent loans | 4.8057% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 2.2828% | 177 |
| Noncurrent loans to loans | 3.1046% | 209 |
| Net loans and leases to total assets | 73.4200% | 1,411 |
| Net loans and leases to deposits | 83.7281% | 1,710 |
| Net loans and leases to core deposits | 92.1490% | 1,902 |
| Total domestic deposits to total assets | 87.6900% | 1,660 |
| Equity capital to assets | 10.5091% | 1,911 |
| Core capital (leverage) ratio | 9.8855% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $752,969,500 | 1,301 |
| Average earning assets | $721,923,000 | 1,266 |
| Average equity | $83,067,500 | 1,200 |
| Average total loans | $552,875,500 | 1,232 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1453% | 333 |
| Cost of funding earning assets | 3.9231% | 81 |
| Net interest margin | 3.2222% | 2,683 |
| Noninterest income to average assets | 3.5400% | 169 |
| Noninterest expense to average assets | 6.0975% | 173 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.3437% | 3,772 |
| Return on assets (ROA) | 0.3437% | 3,798 |
| Pretax return on assets | 0.4540% | 3,723 |
| Return on Equity (ROE) | 2.8100% | 3,890 |
| Retained earnings to average equity (ytd only) | 2.8098% | 3,108 |
| Net charge-offs to loans | 0.0004% | 3,072 |
| Credit loss provision to net charge-offs | 11,350.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 1,609.0000% | 73 |
| Efficiency ratio | 92.5829% | 417 |
| Assets per employee ($millions) | 3.4142% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1350% | 4,390 |
| Loan loss allowance to noncurrent loans | 3.0873% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 3.2065% | 69 |
| Noncurrent loans to loans | 4.3738% | 82 |
| Net loans and leases to total assets | 73.2100% | 1,517 |
| Net loans and leases to deposits | 84.5762% | 1,727 |
| Net loans and leases to core deposits | 98.0349% | 1,588 |
| Total domestic deposits to total assets | 86.5600% | 2,015 |
| Equity capital to assets | 11.6179% | 1,319 |
| Core capital (leverage) ratio | 10.9642% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $658,760,400 | 1,409 |
| Average earning assets | $621,932,800 | 1,388 |
| Average equity | $80,574,800 | 1,191 |
| Average total loans | $468,893,800 | 1,364 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0944% | 354 |
| Cost of funding earning assets | 3.8875% | 94 |
| Net interest margin | 3.2069% | 2,675 |
| Noninterest income to average assets | 3.3700% | 167 |
| Noninterest expense to average assets | 6.2653% | 162 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.0650% | 4,153 |
| Return on assets (ROA) | 0.0650% | 4,185 |
| Pretax return on assets | 0.0935% | 4,152 |
| Return on Equity (ROE) | 0.5200% | 4,188 |
| Retained earnings to average equity (ytd only) | 0.5244% | 3,842 |
| Net charge-offs to loans | 0.0006% | 2,815 |
| Credit loss provision to net charge-offs | 6,000.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 286.5000% | 398 |
| Efficiency ratio | 98.1471% | 309 |
| Assets per employee ($millions) | 2.9069% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1228% | 4,427 |
| Loan loss allowance to noncurrent loans | 2.7934% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 3.2532% | 72 |
| Noncurrent loans to loans | 4.3966% | 94 |
| Net loans and leases to total assets | 73.9000% | 1,375 |
| Net loans and leases to deposits | 86.0352% | 1,640 |
| Net loans and leases to core deposits | 100.0159% | 1,477 |
| Total domestic deposits to total assets | 85.9000% | 1,965 |
| Equity capital to assets | 12.2739% | 1,183 |
| Core capital (leverage) ratio | 11.6022% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $645,912,250 | 1,427 |
| Average earning assets | $607,848,500 | 1,410 |
| Average equity | $80,092,250 | 1,192 |
| Average total loans | $455,961,250 | 1,385 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9683% | 379 |
| Cost of funding earning assets | 3.8307% | 96 |
| Net interest margin | 3.1376% | 2,777 |
| Noninterest income to average assets | 3.3700% | 172 |
| Noninterest expense to average assets | 6.4472% | 157 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | -0.1118% | 4,313 |
| Return on assets (ROA) | -0.1118% | 4,335 |
| Pretax return on assets | -0.1607% | 4,336 |
| Return on Equity (ROE) | -0.9000% | 4,306 |
| Retained earnings to average equity (ytd only) | -0.8985% | 4,043 |
| Net charge-offs to loans | 0.0004% | 2,611 |
| Credit loss provision to net charge-offs | 9,500.0000% | 46 |
| Earnings coverage of net charge-offs (x) | -421.0000% | 4,563 |
| Efficiency ratio | 102.0757% | 254 |
| Assets per employee ($millions) | 3.2024% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1173% | 4,445 |
| Loan loss allowance to noncurrent loans | 2.6028% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 3.5435% | 49 |
| Noncurrent loans to loans | 4.5061% | 76 |
| Net loans and leases to total assets | 78.5500% | 847 |
| Net loans and leases to deposits | 95.2454% | 850 |
| Net loans and leases to core deposits | 111.1787% | 927 |
| Total domestic deposits to total assets | 82.4700% | 2,978 |
| Equity capital to assets | 12.8479% | 907 |
| Core capital (leverage) ratio | 11.8289% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $642,231,667 | 1,435 |
| Average earning assets | $603,703,667 | 1,410 |
| Average equity | $79,911,667 | 1,182 |
| Average total loans | $445,915,333 | 1,416 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7628% | 436 |
| Cost of funding earning assets | 3.8141% | 89 |
| Net interest margin | 2.9487% | 3,094 |
| Noninterest income to average assets | 3.2000% | 164 |
| Noninterest expense to average assets | 6.3397% | 159 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.2500% | 4,403 |
| Return on assets (ROA) | -0.2500% | 4,389 |
| Pretax return on assets | -0.3597% | 4,399 |
| Return on Equity (ROE) | -2.0400% | 4,348 |
| Retained earnings to average equity (ytd only) | -2.0411% | 3,931 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 106.0156% | 227 |
| Assets per employee ($millions) | 3.4629% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1183% | 4,435 |
| Loan loss allowance to noncurrent loans | 1.8647% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 3.7655% | 52 |
| Noncurrent loans to loans | 6.3438% | 28 |
| Net loans and leases to total assets | 59.2900% | 2,929 |
| Net loans and leases to deposits | 68.9560% | 2,974 |
| Net loans and leases to core deposits | 82.4289% | 2,539 |
| Total domestic deposits to total assets | 85.9800% | 2,111 |
| Equity capital to assets | 11.6897% | 1,230 |
| Core capital (leverage) ratio | 11.6603% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $652,712,500 | 1,417 |
| Average earning assets | $614,778,500 | 1,395 |
| Average equity | $79,957,500 | 1,174 |
| Average total loans | $424,592,000 | 1,461 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0326% | 216 |
| Cost of funding earning assets | 2.9512% | 160 |
| Net interest margin | 4.0814% | 1,091 |
| Noninterest income to average assets | 3.2700% | 172 |
| Noninterest expense to average assets | 7.1674% | 142 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | -0.1644% | 4,447 |
| Return on assets (ROA) | -0.1644% | 4,432 |
| Pretax return on assets | -0.1278% | 4,412 |
| Return on Equity (ROE) | -1.2100% | 4,395 |
| Retained earnings to average equity (ytd only) | -3.6674% | 4,357 |
| Net charge-offs to loans | 0.0037% | 2,620 |
| Credit loss provision to net charge-offs | 1,306.2500% | 328 |
| Earnings coverage of net charge-offs (x) | -33.0000% | 4,575 |
| Efficiency ratio | 96.4245% | 247 |
| Assets per employee ($millions) | 3.2548% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1082% | 4,453 |
| Loan loss allowance to noncurrent loans | 2.0038% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 3.8451% | 41 |
| Noncurrent loans to loans | 5.3992% | 39 |
| Net loans and leases to total assets | 71.1400% | 1,677 |
| Net loans and leases to deposits | 84.6419% | 1,722 |
| Net loans and leases to core deposits | 99.1690% | 1,477 |
| Total domestic deposits to total assets | 84.0500% | 2,605 |
| Equity capital to assets | 12.7353% | 927 |
| Core capital (leverage) ratio | 11.8958% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $595,419,800 | 1,489 |
| Average earning assets | $555,867,000 | 1,477 |
| Average equity | $81,229,400 | 1,116 |
| Average total loans | $429,913,400 | 1,396 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0408% | 192 |
| Cost of funding earning assets | 2.7371% | 180 |
| Net interest margin | 4.3037% | 803 |
| Noninterest income to average assets | 2.9100% | 200 |
| Noninterest expense to average assets | 7.1749% | 142 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | -0.2090% | 4,497 |
| Return on assets (ROA) | -0.2090% | 4,482 |
| Pretax return on assets | -0.3007% | 4,489 |
| Return on Equity (ROE) | -1.5100% | 4,442 |
| Retained earnings to average equity (ytd only) | -1.5066% | 4,289 |
| Net charge-offs to loans | 0.0053% | 2,269 |
| Credit loss provision to net charge-offs | 1,229.4118% | 353 |
| Earnings coverage of net charge-offs (x) | -64.4118% | 4,623 |
| Efficiency ratio | 103.5796% | 140 |
| Assets per employee ($millions) | 2.7639% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1155% | 4,473 |
| Loan loss allowance to noncurrent loans | 2.4152% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 3.5273% | 50 |
| Noncurrent loans to loans | 4.7829% | 55 |
| Net loans and leases to total assets | 73.6600% | 1,379 |
| Net loans and leases to deposits | 90.1080% | 1,232 |
| Net loans and leases to core deposits | 103.1449% | 1,158 |
| Total domestic deposits to total assets | 81.7500% | 3,263 |
| Equity capital to assets | 14.4482% | 589 |
| Core capital (leverage) ratio | 12.7871% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $588,795,500 | 1,510 |
| Average earning assets | $548,939,750 | 1,496 |
| Average equity | $81,681,750 | 1,112 |
| Average total loans | $426,708,750 | 1,397 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9089% | 184 |
| Cost of funding earning assets | 2.4697% | 204 |
| Net interest margin | 4.4393% | 668 |
| Noninterest income to average assets | 3.3300% | 167 |
| Noninterest expense to average assets | 7.3926% | 138 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.0525% | 4,392 |
| Return on assets (ROA) | 0.0525% | 4,425 |
| Pretax return on assets | 0.0756% | 4,410 |
| Return on Equity (ROE) | 0.3800% | 4,414 |
| Retained earnings to average equity (ytd only) | 0.3835% | 4,007 |
| Net charge-offs to loans | 0.0023% | 2,277 |
| Credit loss provision to net charge-offs | -40.0000% | 4,524 |
| Earnings coverage of net charge-offs (x) | 49.4000% | 1,293 |
| Efficiency ratio | 98.8950% | 187 |
| Assets per employee ($millions) | 2.8886% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0667% | 4,513 |
| Loan loss allowance to noncurrent loans | 1.7510% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 2.7581% | 83 |
| Noncurrent loans to loans | 3.8120% | 94 |
| Net loans and leases to total assets | 72.3000% | 1,493 |
| Net loans and leases to deposits | 89.5022% | 1,225 |
| Net loans and leases to core deposits | 102.8391% | 1,100 |
| Total domestic deposits to total assets | 80.7900% | 3,459 |
| Equity capital to assets | 14.2275% | 618 |
| Core capital (leverage) ratio | 12.7162% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $598,034,000 | 1,477 |
| Average earning assets | $558,377,333 | 1,466 |
| Average equity | $81,887,000 | 1,104 |
| Average total loans | $431,016,000 | 1,373 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8881% | 126 |
| Cost of funding earning assets | 2.3031% | 151 |
| Net interest margin | 4.5851% | 515 |
| Noninterest income to average assets | 2.4700% | 192 |
| Noninterest expense to average assets | 7.3917% | 145 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | -0.4472% | 4,584 |
| Return on assets (ROA) | -0.4472% | 4,573 |
| Pretax return on assets | -0.6439% | 4,579 |
| Return on Equity (ROE) | -3.3300% | 4,528 |
| Retained earnings to average equity (ytd only) | -3.3279% | 4,258 |
| Net charge-offs to loans | 0.0037% | 1,868 |
| Credit loss provision to net charge-offs | 475.0000% | 569 |
| Earnings coverage of net charge-offs (x) | -240.0000% | 4,690 |
| Efficiency ratio | 109.3394% | 103 |
| Assets per employee ($millions) | 3.1212% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0771% | 4,573 |
| Loan loss allowance to noncurrent loans | 1.6923% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 3.0473% | 50 |
| Noncurrent loans to loans | 4.5532% | 72 |
| Net loans and leases to total assets | 66.8700% | 1,960 |
| Net loans and leases to deposits | 82.8434% | 1,583 |
| Net loans and leases to core deposits | 98.4911% | 1,150 |
| Total domestic deposits to total assets | 80.7200% | 3,674 |
| Equity capital to assets | 13.9540% | 604 |
| Core capital (leverage) ratio | 11.8688% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $608,194,000 | 1,479 |
| Average earning assets | $568,978,000 | 1,467 |
| Average equity | $81,733,500 | 1,120 |
| Average total loans | $437,527,000 | 1,360 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 249 |
| Cost of funding earning assets | 1.1861% | 74 |
| Net interest margin | 3.9348% | 884 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 8.4526% | 127 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | -3.0504% | 4,697 |
| Return on assets (ROA) | -3.0504% | 4,696 |
| Pretax return on assets | -4.4806% | 4,705 |
| Return on Equity (ROE) | -27.1300% | 4,696 |
| Retained earnings to average equity (ytd only) | -27.1263% | 4,704 |
| Net charge-offs to loans | 0.0067% | 2,158 |
| Credit loss provision to net charge-offs | -712.5000% | 4,646 |
| Earnings coverage of net charge-offs (x) | -914.3750% | 4,724 |
| Efficiency ratio | 214.7091% | 24 |
| Assets per employee ($millions) | 2.6697% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0576% | 4,601 |
| Loan loss allowance to noncurrent loans | 1.5554% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 2.8349% | 55 |
| Noncurrent loans to loans | 3.7027% | 101 |
| Net loans and leases to total assets | 76.5200% | 960 |
| Net loans and leases to deposits | 93.8511% | 796 |
| Net loans and leases to core deposits | 111.2481% | 570 |
| Total domestic deposits to total assets | 81.5300% | 3,688 |
| Equity capital to assets | 12.9633% | 715 |
| Core capital (leverage) ratio | 10.2992% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $809,930,200 | 1,174 |
| Average earning assets | $774,456,000 | 1,142 |
| Average equity | $91,077,600 | 1,022 |
| Average total loans | $596,612,600 | 1,035 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 250 |
| Cost of funding earning assets | 0.9569% | 74 |
| Net interest margin | 3.9282% | 747 |
| Noninterest income to average assets | -0.4200% | 4,745 |
| Noninterest expense to average assets | 8.3219% | 131 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | -3.4430% | 4,744 |
| Return on assets (ROA) | -3.4430% | 4,742 |
| Pretax return on assets | -4.9144% | 4,750 |
| Return on Equity (ROE) | -31.5100% | 4,739 |
| Retained earnings to average equity (ytd only) | -31.5092% | 4,744 |
| Net charge-offs to loans | 0.0055% | 1,967 |
| Credit loss provision to net charge-offs | -1,353.8462% | 4,730 |
| Earnings coverage of net charge-offs (x) | -1,224.5385% | 4,765 |
| Efficiency ratio | 248.2216% | 19 |
| Assets per employee ($millions) | 2.4795% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0476% | 4,649 |
| Loan loss allowance to noncurrent loans | 1.1088% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 2.5690% | 78 |
| Noncurrent loans to loans | 4.2892% | 81 |
| Net loans and leases to total assets | 59.8700% | 2,517 |
| Net loans and leases to deposits | 71.8388% | 2,221 |
| Net loans and leases to core deposits | 83.4177% | 1,696 |
| Total domestic deposits to total assets | 83.3300% | 3,642 |
| Equity capital to assets | 10.6538% | 1,310 |
| Core capital (leverage) ratio | 10.1686% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $854,234,000 | 1,138 |
| Average earning assets | $819,330,250 | 1,090 |
| Average equity | $93,341,750 | 1,009 |
| Average total loans | $624,659,750 | 1,003 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 404 |
| Cost of funding earning assets | 0.6400% | 222 |
| Net interest margin | 3.8109% | 734 |
| Noninterest income to average assets | -2.4306% | 4,771 |
| Noninterest expense to average assets | 8.6138% | 86 |
| Loan and lease loss provision to assets | -0.0691% | 4,552 |
| Net operating income to assets | -5.1245% | 4,757 |
| Return on assets (ROA) | -5.1245% | 4,755 |
| Pretax return on assets | -7.3146% | 4,759 |
| Return on Equity (ROE) | -46.5460% | 4,765 |
| Retained earnings to average equity (ytd only) | -46.5460% | 4,758 |
| Net charge-offs to loans | 0.0036% | 1,918 |
| Credit loss provision to net charge-offs | -2,516.6667% | 3,692 |
| Earnings coverage of net charge-offs (x) | -2,690.4167% | 2,155 |
| Efficiency ratio | 700.2045% | 12 |
| Assets per employee ($millions) | 2.1754% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0456% | 4,715 |
| Loan loss allowance to noncurrent loans | 0.7376% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 4.7065% | 19 |
| Noncurrent loans to loans | 6.1819% | 36 |
| Net loans and leases to total assets | 76.0977% | 724 |
| Net loans and leases to deposits | 95.2767% | 459 |
| Net loans and leases to core deposits | 117.7521% | 219 |
| Total domestic deposits to total assets | 79.8702% | 4,239 |
| Equity capital to assets | 10.0937% | 1,663 |
| Core capital (leverage) ratio | 10.5976% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $874,502,333 | 1,105 |
| Average earning assets | $840,060,333 | 1,076 |
| Average equity | $96,279,000 | 987 |
| Average total loans | $674,475,000 | 920 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1324% | 595 |
| Cost of funding earning assets | 0.5332% | 414 |
| Net interest margin | 3.5992% | 894 |
| Noninterest income to average assets | -1.6974% | 4,795 |
| Noninterest expense to average assets | 7.9287% | 92 |
| Loan and lease loss provision to assets | -0.0926% | 4,590 |
| Net operating income to assets | -4.2337% | 4,782 |
| Return on assets (ROA) | -4.2337% | 4,782 |
| Pretax return on assets | -6.0483% | 4,787 |
| Return on Equity (ROE) | -37.0158% | 4,787 |
| Retained earnings to average equity (ytd only) | -37.0158% | 4,763 |
| Net charge-offs to loans | 0.0006% | 1,826 |
| Credit loss provision to net charge-offs | -20,700.0000% | 3,603 |
| Earnings coverage of net charge-offs (x) | -13,726.0000% | 1,837 |
| Efficiency ratio | 443.4935% | 9 |
| Assets per employee ($millions) | 2.1115% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0624% | 4,740 |
| Loan loss allowance to noncurrent loans | 1.5820% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 2.8704% | 68 |
| Noncurrent loans to loans | 3.9461% | 101 |
| Net loans and leases to total assets | 72.6928% | 775 |
| Net loans and leases to deposits | 100.2218% | 170 |
| Net loans and leases to core deposits | 124.2776% | 122 |
| Total domestic deposits to total assets | 72.5319% | 4,612 |
| Equity capital to assets | 11.1693% | 1,256 |
| Core capital (leverage) ratio | 12.2440% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $894,071,500 | 1,088 |
| Average earning assets | $865,741,000 | 1,051 |
| Average equity | $102,259,000 | 974 |
| Average total loans | $693,721,000 | 883 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1144% | 3,656 |
| Cost of funding earning assets | 0.5939% | 559 |
| Net interest margin | 2.5205% | 4,163 |
| Noninterest income to average assets | 8.2473% | 76 |
| Noninterest expense to average assets | 4.7524% | 190 |
| Loan and lease loss provision to assets | -0.0853% | 4,496 |
| Net operating income to assets | 4.2151% | 56 |
| Return on assets (ROA) | 4.2151% | 57 |
| Pretax return on assets | 6.0357% | 45 |
| Return on Equity (ROE) | 64.8343% | 7 |
| Retained earnings to average equity (ytd only) | 64.8343% | 2 |
| Net charge-offs to loans | -0.0108% | 3,765 |
| Credit loss provision to net charge-offs | 921.4286% | 559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4034% | 4,559 |
| Assets per employee ($millions) | 2.5952% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0802% | 4,774 |
| Loan loss allowance to noncurrent loans | 9.5028% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 917 |
| Noncurrent loans to loans | 0.8439% | 1,204 |
| Net loans and leases to total assets | 82.1450% | 174 |
| Net loans and leases to deposits | 131.8292% | 23 |
| Net loans and leases to core deposits | 159.2153% | 45 |
| Total domestic deposits to total assets | 62.3117% | 4,758 |
| Equity capital to assets | 11.6927% | 1,399 |
| Core capital (leverage) ratio | 13.9528% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,209,200,800 | 823 |
| Average earning assets | $1,178,002,600 | 792 |
| Average equity | $78,614,200 | 1,222 |
| Average total loans | $1,041,639,800 | 632 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0024% | 3,998 |
| Cost of funding earning assets | 0.6184% | 581 |
| Net interest margin | 2.3840% | 4,412 |
| Noninterest income to average assets | 7.0469% | 91 |
| Noninterest expense to average assets | 4.1628% | 257 |
| Loan and lease loss provision to assets | -0.1027% | 4,611 |
| Net operating income to assets | 3.8228% | 74 |
| Return on assets (ROA) | 3.8228% | 75 |
| Pretax return on assets | 5.3095% | 58 |
| Return on Equity (ROE) | 68.5797% | 6 |
| Retained earnings to average equity (ytd only) | 68.5797% | 2 |
| Net charge-offs to loans | -0.0114% | 3,723 |
| Credit loss provision to net charge-offs | 1,040.0000% | 506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4288% | 4,568 |
| Assets per employee ($millions) | 3.4053% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0745% | 4,855 |
| Loan loss allowance to noncurrent loans | 6.5710% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 743 |
| Noncurrent loans to loans | 1.1339% | 991 |
| Net loans and leases to total assets | 80.8124% | 248 |
| Net loans and leases to deposits | 152.0827% | 11 |
| Net loans and leases to core deposits | 186.7968% | 35 |
| Total domestic deposits to total assets | 53.1371% | 4,857 |
| Equity capital to assets | 8.8668% | 3,949 |
| Core capital (leverage) ratio | 13.0349% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,282,478,250 | 788 |
| Average earning assets | $1,249,474,750 | 752 |
| Average equity | $71,488,750 | 1,347 |
| Average total loans | $1,113,768,000 | 606 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7928% | 4,348 |
| Cost of funding earning assets | 0.6497% | 574 |
| Net interest margin | 2.1431% | 4,633 |
| Noninterest income to average assets | 5.0212% | 114 |
| Noninterest expense to average assets | 3.3948% | 535 |
| Loan and lease loss provision to assets | -0.0913% | 4,607 |
| Net operating income to assets | 2.7429% | 162 |
| Return on assets (ROA) | 2.7429% | 165 |
| Pretax return on assets | 3.8097% | 102 |
| Return on Equity (ROE) | 58.0137% | 13 |
| Retained earnings to average equity (ytd only) | 58.0137% | 3 |
| Net charge-offs to loans | -0.0062% | 3,497 |
| Credit loss provision to net charge-offs | 1,678.3784% | 328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7254% | 4,408 |
| Assets per employee ($millions) | 4.7415% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0870% | 4,891 |
| Loan loss allowance to noncurrent loans | 10.0588% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 1,127 |
| Noncurrent loans to loans | 0.8646% | 1,423 |
| Net loans and leases to total assets | 84.4463% | 121 |
| Net loans and leases to deposits | 198.0172% | 8 |
| Net loans and leases to core deposits | 245.7046% | 24 |
| Total domestic deposits to total assets | 42.6460% | 4,906 |
| Equity capital to assets | 5.8497% | 4,925 |
| Core capital (leverage) ratio | 10.8192% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,360,361,667 | 739 |
| Average earning assets | $1,327,985,667 | 708 |
| Average equity | $64,319,333 | 1,443 |
| Average total loans | $1,202,285,667 | 576 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7251% | 4,453 |
| Cost of funding earning assets | 0.5228% | 1,256 |
| Net interest margin | 2.2023% | 4,610 |
| Noninterest income to average assets | 3.2383% | 185 |
| Noninterest expense to average assets | 3.1698% | 746 |
| Loan and lease loss provision to assets | -0.0123% | 4,588 |
| Net operating income to assets | 1.6067% | 1,118 |
| Return on assets (ROA) | 1.6067% | 1,166 |
| Pretax return on assets | 2.2317% | 653 |
| Return on Equity (ROE) | 37.5747% | 74 |
| Retained earnings to average equity (ytd only) | 37.5747% | 42 |
| Net charge-offs to loans | -0.0013% | 3,064 |
| Credit loss provision to net charge-offs | 1,075.0000% | 395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8170% | 3,183 |
| Assets per employee ($millions) | 5.6986% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1170% | 4,917 |
| Loan loss allowance to noncurrent loans | 62.0978% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 3,325 |
| Noncurrent loans to loans | 0.1885% | 3,428 |
| Net loans and leases to total assets | 89.0165% | 31 |
| Net loans and leases to deposits | 248.1747% | 8 |
| Net loans and leases to core deposits | 298.4550% | 19 |
| Total domestic deposits to total assets | 35.8685% | 4,944 |
| Equity capital to assets | 4.4030% | 4,971 |
| Core capital (leverage) ratio | 10.5972% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,401,595,000 | 722 |
| Average earning assets | $1,368,912,000 | 687 |
| Average equity | $59,934,000 | 1,521 |
| Average total loans | $1,262,416,500 | 550 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3463% | 4,266 |
| Cost of funding earning assets | 0.8675% | 960 |
| Net interest margin | 2.4789% | 4,609 |
| Noninterest income to average assets | 2.1971% | 296 |
| Noninterest expense to average assets | 3.4778% | 713 |
| Loan and lease loss provision to assets | 0.0608% | 3,611 |
| Net operating income to assets | 0.7006% | 3,431 |
| Return on assets (ROA) | 0.7006% | 3,567 |
| Pretax return on assets | 1.0257% | 2,956 |
| Return on Equity (ROE) | 13.2920% | 966 |
| Retained earnings to average equity (ytd only) | 11.5521% | 374 |
| Net charge-offs to loans | 0.0115% | 2,912 |
| Credit loss provision to net charge-offs | 607.5269% | 1,093 |
| Earnings coverage of net charge-offs (x) | 108.5484% | 746 |
| Efficiency ratio | 76.1955% | 1,202 |
| Assets per employee ($millions) | 6.5109% | 1,915 |
| Cash dividends to net income (ytd only)* | 13.0896% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1212% | 4,938 |
| Loan loss allowance to noncurrent loans | 68.9905% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 3,471 |
| Noncurrent loans to loans | 0.1757% | 3,580 |
| Net loans and leases to total assets | 90.9520% | 21 |
| Net loans and leases to deposits | 293.6923% | 6 |
| Net loans and leases to core deposits | 359.8990% | 16 |
| Total domestic deposits to total assets | 30.9685% | 4,971 |
| Equity capital to assets | 4.2273% | 4,994 |
| Core capital (leverage) ratio | 11.0341% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $929,108,600 | 942 |
| Average earning assets | $887,304,000 | 914 |
| Average equity | $48,969,400 | 1,730 |
| Average total loans | $805,529,000 | 783 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1482% | 4,636 |
| Cost of funding earning assets | 1.0030% | 756 |
| Net interest margin | 2.1451% | 4,834 |
| Noninterest income to average assets | 2.1456% | 300 |
| Noninterest expense to average assets | 3.3786% | 816 |
| Loan and lease loss provision to assets | 0.0759% | 3,372 |
| Net operating income to assets | 0.4640% | 4,132 |
| Return on assets (ROA) | 0.4640% | 4,204 |
| Pretax return on assets | 0.7198% | 3,862 |
| Return on Equity (ROE) | 8.0162% | 2,804 |
| Retained earnings to average equity (ytd only) | 5.6147% | 2,280 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9380% | 802 |
| Assets per employee ($millions) | 8.6384% | 796 |
| Cash dividends to net income (ytd only)* | 29.9578% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1229% | 4,977 |
| Loan loss allowance to noncurrent loans | 43.3676% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 3,166 |
| Noncurrent loans to loans | 0.2834% | 3,272 |
| Net loans and leases to total assets | 89.1909% | 56 |
| Net loans and leases to deposits | 290.2986% | 7 |
| Net loans and leases to core deposits | 357.9351% | 19 |
| Total domestic deposits to total assets | 30.7239% | 5,003 |
| Equity capital to assets | 3.8104% | 5,025 |
| Core capital (leverage) ratio | 10.6151% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $817,211,250 | 1,028 |
| Average earning assets | $772,832,750 | 1,007 |
| Average equity | $47,303,000 | 1,767 |
| Average total loans | $693,578,000 | 868 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7610% | 3,967 |
| Cost of funding earning assets | 1.2370% | 452 |
| Net interest margin | 2.5239% | 4,717 |
| Noninterest income to average assets | 2.6783% | 197 |
| Noninterest expense to average assets | 4.0935% | 374 |
| Loan and lease loss provision to assets | 0.1480% | 2,526 |
| Net operating income to assets | 0.4338% | 4,158 |
| Return on assets (ROA) | 0.4338% | 4,223 |
| Pretax return on assets | 0.7698% | 3,675 |
| Return on Equity (ROE) | 5.9963% | 3,510 |
| Retained earnings to average equity (ytd only) | 2.2481% | 3,662 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6854% | 778 |
| Assets per employee ($millions) | 7.9523% | 988 |
| Cash dividends to net income (ytd only)* | 62.5092% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2281% | 4,987 |
| Loan loss allowance to noncurrent loans | 72.7370% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 3,215 |
| Noncurrent loans to loans | 0.3136% | 3,263 |
| Net loans and leases to total assets | 88.0512% | 60 |
| Net loans and leases to deposits | 213.2398% | 9 |
| Net loans and leases to core deposits | 276.1997% | 21 |
| Total domestic deposits to total assets | 41.2921% | 5,023 |
| Equity capital to assets | 4.7804% | 5,054 |
| Core capital (leverage) ratio | 9.7991% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $628,456,000 | 1,253 |
| Average earning assets | $580,915,667 | 1,253 |
| Average equity | $45,461,000 | 1,811 |
| Average total loans | $513,348,333 | 1,096 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4869% | 387 |
| Cost of funding earning assets | 1.9681% | 39 |
| Net interest margin | 3.5188% | 2,919 |
| Noninterest income to average assets | 4.2274% | 103 |
| Noninterest expense to average assets | 5.9847% | 149 |
| Loan and lease loss provision to assets | 0.0366% | 3,314 |
| Net operating income to assets | 0.5821% | 3,653 |
| Return on assets (ROA) | 0.5821% | 3,714 |
| Pretax return on assets | 1.2483% | 2,040 |
| Return on Equity (ROE) | 5.7841% | 3,396 |
| Retained earnings to average equity (ytd only) | -1.9522% | 4,249 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3256% | 955 |
| Assets per employee ($millions) | 3.3157% | 4,628 |
| Cash dividends to net income (ytd only)* | 133.7520% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3147% | 4,985 |
| Loan loss allowance to noncurrent loans | 46.8268% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.3056% | 898 |
| Noncurrent loans to loans | 0.6720% | 2,314 |
| Net loans and leases to total assets | 71.9525% | 1,924 |
| Net loans and leases to deposits | 89.5139% | 1,571 |
| Net loans and leases to core deposits | 141.1759% | 159 |
| Total domestic deposits to total assets | 80.3814% | 3,781 |
| Equity capital to assets | 9.8683% | 3,908 |
| Core capital (leverage) ratio | 10.7618% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $437,716,000 | 1,655 |
| Average earning assets | $378,428,500 | 1,748 |
| Average equity | $44,052,000 | 1,847 |
| Average total loans | $324,375,500 | 1,542 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5499% | 517 |
| Cost of funding earning assets | 1.9547% | 75 |
| Net interest margin | 3.5952% | 3,150 |
| Noninterest income to average assets | 4.4861% | 103 |
| Noninterest expense to average assets | 6.6269% | 121 |
| Loan and lease loss provision to assets | -0.1404% | 5,100 |
| Net operating income to assets | 1.3353% | 1,563 |
| Return on assets (ROA) | 1.3353% | 1,640 |
| Pretax return on assets | 1.4434% | 2,002 |
| Return on Equity (ROE) | 13.2845% | 1,082 |
| Retained earnings to average equity (ytd only) | 6.7374% | 1,510 |
| Net charge-offs to loans | 0.0367% | 2,647 |
| Credit loss provision to net charge-offs | -496.2963% | 4,426 |
| Earnings coverage of net charge-offs (x) | 46.0741% | 1,195 |
| Efficiency ratio | 83.5678% | 686 |
| Assets per employee ($millions) | 2.6666% | 4,953 |
| Cash dividends to net income (ytd only)* | 49.2842% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3487% | 5,018 |
| Loan loss allowance to noncurrent loans | 65.7911% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.4048% | 748 |
| Noncurrent loans to loans | 0.5299% | 2,592 |
| Net loans and leases to total assets | 76.1870% | 1,379 |
| Net loans and leases to deposits | 94.2954% | 1,130 |
| Net loans and leases to core deposits | 116.7265% | 573 |
| Total domestic deposits to total assets | 80.7960% | 3,811 |
| Equity capital to assets | 10.3026% | 3,627 |
| Core capital (leverage) ratio | 10.0419% | 3,471 |
| Tier 1 risk-based capital ratio | 20.4046% | 1,263 |
| Total risk-based capital ratio | 20.9604% | 1,340 |
| Memoranda: | ||
| Average total assets | $381,868,800 | 1,797 |
| Average earning assets | $365,792,000 | 1,761 |
| Average equity | $38,383,000 | 1,996 |
| Average total loans | $293,948,600 | 1,634 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5962% | 497 |
| Cost of funding earning assets | 1.9581% | 76 |
| Net interest margin | 3.6381% | 3,141 |
| Noninterest income to average assets | 4.3189% | 108 |
| Noninterest expense to average assets | 6.3487% | 127 |
| Loan and lease loss provision to assets | 0.0292% | 3,317 |
| Net operating income to assets | 1.3288% | 1,734 |
| Return on assets (ROA) | 1.3288% | 1,804 |
| Pretax return on assets | 1.4369% | 2,167 |
| Return on Equity (ROE) | 13.3070% | 1,174 |
| Retained earnings to average equity (ytd only) | 7.0026% | 1,863 |
| Net charge-offs to loans | 0.0192% | 2,735 |
| Credit loss provision to net charge-offs | 197.6190% | 1,326 |
| Earnings coverage of net charge-offs (x) | 99.1404% | 758 |
| Efficiency ratio | 81.2390% | 813 |
| Assets per employee ($millions) | 2.6894% | 5,014 |
| Cash dividends to net income (ytd only)* | 47.3768% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6161% | 4,781 |
| Loan loss allowance to noncurrent loans | 39.7574% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1127% | 1,176 |
| Noncurrent loans to loans | 1.5498% | 959 |
| Net loans and leases to total assets | 71.3543% | 2,273 |
| Net loans and leases to deposits | 88.6588% | 1,847 |
| Net loans and leases to core deposits | 111.9271% | 847 |
| Total domestic deposits to total assets | 80.4819% | 3,871 |
| Equity capital to assets | 10.2026% | 3,823 |
| Core capital (leverage) ratio | 9.1780% | 4,499 |
| Tier 1 risk-based capital ratio | 21.8437% | 1,090 |
| Total risk-based capital ratio | 22.8415% | 1,102 |
| Memoranda: | ||
| Average total assets | $378,671,500 | 1,821 |
| Average earning assets | $363,879,000 | 1,781 |
| Average equity | $37,813,750 | 2,030 |
| Average total loans | $292,003,250 | 1,651 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4232% | 651 |
| Cost of funding earning assets | 1.8431% | 105 |
| Net interest margin | 3.5801% | 3,337 |
| Noninterest income to average assets | 3.9593% | 119 |
| Noninterest expense to average assets | 6.3929% | 128 |
| Loan and lease loss provision to assets | 0.0444% | 2,934 |
| Net operating income to assets | 0.8877% | 3,330 |
| Return on assets (ROA) | 0.8877% | 3,396 |
| Pretax return on assets | 0.9663% | 3,664 |
| Return on Equity (ROE) | 8.9573% | 2,874 |
| Retained earnings to average equity (ytd only) | 2.9354% | 3,748 |
| Net charge-offs to loans | 0.0068% | 2,908 |
| Credit loss provision to net charge-offs | 830.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 407 |
| Efficiency ratio | 86.3489% | 526 |
| Assets per employee ($millions) | 2.5418% | 5,110 |
| Cash dividends to net income (ytd only)* | 67.2289% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6283% | 4,827 |
| Loan loss allowance to noncurrent loans | 36.4292% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.2326% | 1,062 |
| Noncurrent loans to loans | 1.7248% | 882 |
| Net loans and leases to total assets | 71.0135% | 2,380 |
| Net loans and leases to deposits | 88.6948% | 1,909 |
| Net loans and leases to core deposits | 114.6481% | 748 |
| Total domestic deposits to total assets | 80.0651% | 4,027 |
| Equity capital to assets | 9.8021% | 4,139 |
| Core capital (leverage) ratio | 9.7535% | 3,882 |
| Tier 1 risk-based capital ratio | 19.2364% | 1,498 |
| Total risk-based capital ratio | 20.1666% | 1,539 |
| Memoranda: | ||
| Average total assets | $374,010,000 | 1,855 |
| Average earning assets | $359,823,670 | 1,802 |
| Average equity | $37,064,670 | 2,058 |
| Average total loans | $295,366,330 | 1,639 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4584% | 557 |
| Cost of funding earning assets | 1.8632% | 83 |
| Net interest margin | 3.5952% | 3,261 |
| Noninterest income to average assets | 3.5140% | 119 |
| Noninterest expense to average assets | 6.1007% | 132 |
| Loan and lease loss provision to assets | 0.0912% | 1,893 |
| Net operating income to assets | 0.7208% | 3,872 |
| Return on assets (ROA) | 0.7208% | 3,918 |
| Pretax return on assets | 0.7868% | 4,075 |
| Return on Equity (ROE) | 7.2310% | 3,582 |
| Retained earnings to average equity (ytd only) | -2.9321% | 4,812 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4193% | 510 |
| Assets per employee ($millions) | 2.2753% | 5,229 |
| Cash dividends to net income (ytd only)* | 140.5488% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6173% | 4,904 |
| Loan loss allowance to noncurrent loans | 160.6498% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 3,391 |
| Noncurrent loans to loans | 0.3843% | 3,208 |
| Net loans and leases to total assets | 78.7121% | 1,033 |
| Net loans and leases to deposits | 92.1981% | 1,381 |
| Net loans and leases to core deposits | 135.6430% | 236 |
| Total domestic deposits to total assets | 85.3728% | 2,535 |
| Equity capital to assets | 10.3308% | 3,496 |
| Core capital (leverage) ratio | 9.7000% | 3,921 |
| Tier 1 risk-based capital ratio | 18.1618% | 1,754 |
| Total risk-based capital ratio | 19.0706% | 1,804 |
| Memoranda: | ||
| Average total assets | $364,026,500 | 1,900 |
| Average earning assets | $350,797,500 | 1,848 |
| Average equity | $36,288,000 | 2,083 |
| Average total loans | $302,276,500 | 1,621 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7064% | 276 |
| Cost of funding earning assets | 1.6606% | 48 |
| Net interest margin | 4.0458% | 1,842 |
| Noninterest income to average assets | 3.3820% | 135 |
| Noninterest expense to average assets | 5.8907% | 137 |
| Loan and lease loss provision to assets | -0.1178% | 5,284 |
| Net operating income to assets | 1.4118% | 1,386 |
| Return on assets (ROA) | 1.4118% | 1,376 |
| Pretax return on assets | 1.5183% | 1,719 |
| Return on Equity (ROE) | 16.1580% | 598 |
| Retained earnings to average equity (ytd only) | 10.4063% | 544 |
| Net charge-offs to loans | -0.0016% | 4,212 |
| Credit loss provision to net charge-offs | 8,800.0000% | 53 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7917% | 891 |
| Assets per employee ($millions) | 2.2893% | 5,268 |
| Cash dividends to net income (ytd only)* | 35.5964% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5366% | 5,080 |
| Loan loss allowance to noncurrent loans | 104.3024% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 2,778 |
| Noncurrent loans to loans | 0.5145% | 2,738 |
| Net loans and leases to total assets | 86.4071% | 215 |
| Net loans and leases to deposits | 100.2483% | 723 |
| Net loans and leases to core deposits | 158.6912% | 99 |
| Total domestic deposits to total assets | 86.1930% | 2,134 |
| Equity capital to assets | 9.6062% | 4,038 |
| Core capital (leverage) ratio | 8.5096% | 5,027 |
| Tier 1 risk-based capital ratio | 17.5149% | 1,899 |
| Total risk-based capital ratio | 18.4174% | 1,952 |
| Memoranda: | ||
| Average total assets | $373,501,400 | 1,816 |
| Average earning assets | $360,893,800 | 1,768 |
| Average equity | $32,634,000 | 2,178 |
| Average total loans | $322,196,600 | 1,506 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4297% | 421 |
| Cost of funding earning assets | 1.5518% | 55 |
| Net interest margin | 3.8779% | 2,380 |
| Noninterest income to average assets | 3.1222% | 154 |
| Noninterest expense to average assets | 5.7479% | 143 |
| Loan and lease loss provision to assets | 0.0461% | 3,061 |
| Net operating income to assets | 0.9907% | 3,122 |
| Return on assets (ROA) | 0.9907% | 3,131 |
| Pretax return on assets | 1.0769% | 3,479 |
| Return on Equity (ROE) | 11.6188% | 1,948 |
| Retained earnings to average equity (ytd only) | 8.2076% | 1,554 |
| Net charge-offs to loans | -0.0021% | 4,089 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6551% | 665 |
| Assets per employee ($millions) | 2.3651% | 5,316 |
| Cash dividends to net income (ytd only)* | 29.3592% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6359% | 4,988 |
| Loan loss allowance to noncurrent loans | 65.7864% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 1,747 |
| Noncurrent loans to loans | 0.9666% | 1,756 |
| Net loans and leases to total assets | 87.0810% | 183 |
| Net loans and leases to deposits | 105.0726% | 480 |
| Net loans and leases to core deposits | 167.0852% | 74 |
| Total domestic deposits to total assets | 82.8770% | 3,347 |
| Equity capital to assets | 8.2455% | 5,059 |
| Core capital (leverage) ratio | 8.1594% | 5,271 |
| Tier 1 risk-based capital ratio | 15.7409% | 2,555 |
| Total risk-based capital ratio | 16.8733% | 2,533 |
| Memoranda: | ||
| Average total assets | $375,875,500 | 1,817 |
| Average earning assets | $363,351,750 | 1,758 |
| Average equity | $32,050,750 | 2,216 |
| Average total loans | $323,690,000 | 1,511 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4567% | 348 |
| Cost of funding earning assets | 1.4654% | 58 |
| Net interest margin | 3.9912% | 1,889 |
| Noninterest income to average assets | 2.5817% | 199 |
| Noninterest expense to average assets | 5.9989% | 137 |
| Loan and lease loss provision to assets | 0.0711% | 2,466 |
| Net operating income to assets | 0.3376% | 5,066 |
| Return on assets (ROA) | 0.3376% | 5,065 |
| Pretax return on assets | 0.3666% | 5,087 |
| Return on Equity (ROE) | 3.9108% | 4,848 |
| Retained earnings to average equity (ytd only) | -0.5705% | 5,036 |
| Net charge-offs to loans | -0.0032% | 4,020 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2002% | 280 |
| Assets per employee ($millions) | 1.8777% | 5,452 |
| Cash dividends to net income (ytd only)* | 114.5867% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 4,961 |
| Loan loss allowance to noncurrent loans | 64.2028% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 0.9356% | 1,609 |
| Noncurrent loans to loans | 1.0775% | 1,637 |
| Net loans and leases to total assets | 86.2225% | 247 |
| Net loans and leases to deposits | 103.0704% | 586 |
| Net loans and leases to core deposits | 157.5016% | 90 |
| Total domestic deposits to total assets | 83.6541% | 3,193 |
| Equity capital to assets | 8.3406% | 5,054 |
| Core capital (leverage) ratio | 8.1388% | 5,298 |
| Tier 1 risk-based capital ratio | 15.8038% | 2,512 |
| Total risk-based capital ratio | 17.0204% | 2,472 |
| Memoranda: | ||
| Average total assets | $365,566,000 | 1,865 |
| Average earning assets | $353,073,000 | 1,809 |
| Average equity | $31,553,330 | 2,251 |
| Average total loans | $312,748,000 | 1,547 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3894% | 340 |
| Cost of funding earning assets | 1.4075% | 56 |
| Net interest margin | 3.9818% | 1,783 |
| Noninterest income to average assets | 2.2033% | 237 |
| Noninterest expense to average assets | 5.8770% | 144 |
| Loan and lease loss provision to assets | 0.1257% | 1,498 |
| Net operating income to assets | 0.0456% | 5,362 |
| Return on assets (ROA) | 0.0456% | 5,358 |
| Pretax return on assets | 0.0456% | 5,361 |
| Return on Equity (ROE) | 0.5191% | 5,348 |
| Retained earnings to average equity (ytd only) | 0.5191% | 4,726 |
| Net charge-offs to loans | -0.0066% | 4,100 |
| Credit loss provision to net charge-offs | -2,260.0000% | 4,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1681% | 222 |
| Assets per employee ($millions) | 1.8651% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7239% | 4,976 |
| Loan loss allowance to noncurrent loans | 209.3023% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 3,689 |
| Noncurrent loans to loans | 0.3459% | 3,525 |
| Net loans and leases to total assets | 83.9779% | 440 |
| Net loans and leases to deposits | 102.5352% | 555 |
| Net loans and leases to core deposits | 150.3987% | 124 |
| Total domestic deposits to total assets | 81.9015% | 3,992 |
| Equity capital to assets | 8.6030% | 4,897 |
| Core capital (leverage) ratio | 8.3467% | 5,233 |
| Tier 1 risk-based capital ratio | 16.4136% | 2,313 |
| Total risk-based capital ratio | 17.6622% | 2,257 |
| Memoranda: | ||
| Average total assets | $359,638,500 | 1,900 |
| Average earning assets | $347,277,000 | 1,841 |
| Average equity | $31,590,500 | 2,264 |
| Average total loans | $305,277,500 | 1,577 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 292 |
| Cost of funding earning assets | 1.0470% | 169 |
| Net interest margin | 4.3903% | 781 |
| Noninterest income to average assets | 4.6539% | 113 |
| Noninterest expense to average assets | 6.9956% | 115 |
| Loan and lease loss provision to assets | 0.2528% | 730 |
| Net operating income to assets | 1.5532% | 716 |
| Return on assets (ROA) | 1.5532% | 730 |
| Pretax return on assets | 1.6503% | 1,154 |
| Return on Equity (ROE) | 16.0487% | 477 |
| Retained earnings to average equity (ytd only) | 9.4091% | 442 |
| Net charge-offs to loans | -0.0008% | 4,484 |
| Credit loss provision to net charge-offs | -36,550.0000% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6133% | 1,269 |
| Assets per employee ($millions) | 1.8617% | 5,580 |
| Cash dividends to net income (ytd only)* | 41.3716% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 5,048 |
| Loan loss allowance to noncurrent loans | 262.5616% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 3,986 |
| Noncurrent loans to loans | 0.2709% | 3,815 |
| Net loans and leases to total assets | 84.5859% | 385 |
| Net loans and leases to deposits | 101.7055% | 620 |
| Net loans and leases to core deposits | 144.7264% | 164 |
| Total domestic deposits to total assets | 83.1675% | 3,508 |
| Equity capital to assets | 8.9729% | 4,750 |
| Core capital (leverage) ratio | 9.1155% | 4,502 |
| Tier 1 risk-based capital ratio | 17.2241% | 2,018 |
| Total risk-based capital ratio | 18.4674% | 1,975 |
| Memoranda: | ||
| Average total assets | $289,154,200 | 2,226 |
| Average earning assets | $279,572,400 | 2,155 |
| Average equity | $27,983,600 | 2,490 |
| Average total loans | $253,650,000 | 1,796 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4683% | 265 |
| Cost of funding earning assets | 0.9764% | 219 |
| Net interest margin | 4.4919% | 610 |
| Noninterest income to average assets | 4.6920% | 121 |
| Noninterest expense to average assets | 7.1385% | 113 |
| Loan and lease loss provision to assets | 0.2798% | 584 |
| Net operating income to assets | 1.5289% | 840 |
| Return on assets (ROA) | 1.5289% | 863 |
| Pretax return on assets | 1.6162% | 1,364 |
| Return on Equity (ROE) | 15.4366% | 598 |
| Retained earnings to average equity (ytd only) | 8.7520% | 928 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0135% | 1,213 |
| Assets per employee ($millions) | 1.8772% | 5,643 |
| Cash dividends to net income (ytd only)* | 43.3035% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7073% | 5,124 |
| Loan loss allowance to noncurrent loans | 244.1832% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 4,064 |
| Noncurrent loans to loans | 0.2896% | 3,901 |
| Net loans and leases to total assets | 85.2924% | 308 |
| Net loans and leases to deposits | 107.4218% | 359 |
| Net loans and leases to core deposits | 139.2545% | 208 |
| Total domestic deposits to total assets | 79.3995% | 4,458 |
| Equity capital to assets | 9.4587% | 4,482 |
| Core capital (leverage) ratio | 10.0625% | 3,490 |
| Tier 1 risk-based capital ratio | 18.1921% | 1,806 |
| Total risk-based capital ratio | 19.4422% | 1,763 |
| Memoranda: | ||
| Average total assets | $273,477,750 | 2,341 |
| Average earning assets | $264,378,750 | 2,268 |
| Average equity | $27,086,500 | 2,558 |
| Average total loans | $242,123,500 | 1,876 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6016% | 210 |
| Cost of funding earning assets | 0.9287% | 258 |
| Net interest margin | 4.6728% | 413 |
| Noninterest income to average assets | 4.6812% | 122 |
| Noninterest expense to average assets | 7.3966% | 113 |
| Loan and lease loss provision to assets | 0.3464% | 418 |
| Net operating income to assets | 1.3425% | 1,192 |
| Return on assets (ROA) | 1.3425% | 1,216 |
| Pretax return on assets | 1.4478% | 1,829 |
| Return on Equity (ROE) | 13.3017% | 959 |
| Retained earnings to average equity (ytd only) | 8.7107% | 934 |
| Net charge-offs to loans | 0.0026% | 3,413 |
| Credit loss provision to net charge-offs | 14,800.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 766.6667% | 98 |
| Efficiency ratio | 80.4787% | 1,161 |
| Assets per employee ($millions) | 1.8920% | 5,685 |
| Cash dividends to net income (ytd only)* | 34.5148% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 5,088 |
| Loan loss allowance to noncurrent loans | 75.5337% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 0.8819% | 2,011 |
| Noncurrent loans to loans | 0.9901% | 1,987 |
| Net loans and leases to total assets | 88.4054% | 130 |
| Net loans and leases to deposits | 116.7619% | 141 |
| Net loans and leases to core deposits | 165.1187% | 81 |
| Total domestic deposits to total assets | 75.7143% | 5,126 |
| Equity capital to assets | 10.8847% | 2,940 |
| Core capital (leverage) ratio | 10.7102% | 2,693 |
| Tier 1 risk-based capital ratio | 19.7393% | 1,423 |
| Total risk-based capital ratio | 20.9892% | 1,391 |
| Memoranda: | ||
| Average total assets | $256,387,000 | 2,476 |
| Average earning assets | $247,431,000 | 2,397 |
| Average equity | $25,876,330 | 2,637 |
| Average total loans | $229,844,670 | 1,944 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5745% | 208 |
| Cost of funding earning assets | 0.9019% | 279 |
| Net interest margin | 4.6726% | 390 |
| Noninterest income to average assets | 4.3073% | 135 |
| Noninterest expense to average assets | 7.7350% | 105 |
| Loan and lease loss provision to assets | 0.5437% | 182 |
| Net operating income to assets | 0.4317% | 4,854 |
| Return on assets (ROA) | 0.4317% | 4,874 |
| Pretax return on assets | 0.5356% | 4,885 |
| Return on Equity (ROE) | 4.4742% | 4,610 |
| Retained earnings to average equity (ytd only) | -4.2387% | 5,341 |
| Net charge-offs to loans | 0.0415% | 1,995 |
| Credit loss provision to net charge-offs | 1,456.5217% | 235 |
| Earnings coverage of net charge-offs (x) | 28.9130% | 1,240 |
| Efficiency ratio | 87.7555% | 677 |
| Assets per employee ($millions) | 1.6470% | 5,773 |
| Cash dividends to net income (ytd only)* | 194.7368% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 5,209 |
| Loan loss allowance to noncurrent loans | 160.6573% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 3,503 |
| Noncurrent loans to loans | 0.4639% | 3,425 |
| Net loans and leases to total assets | 89.8309% | 61 |
| Net loans and leases to deposits | 117.4976% | 105 |
| Net loans and leases to core deposits | 139.2550% | 179 |
| Total domestic deposits to total assets | 76.4534% | 5,181 |
| Equity capital to assets | 9.5367% | 4,247 |
| Core capital (leverage) ratio | 9.0025% | 4,738 |
| Tier 1 risk-based capital ratio | 16.8225% | 2,240 |
| Total risk-based capital ratio | 18.0731% | 2,209 |
| Memoranda: | ||
| Average total assets | $246,464,500 | 2,569 |
| Average earning assets | $237,724,000 | 2,487 |
| Average equity | $23,781,000 | 2,809 |
| Average total loans | $221,745,000 | 2,012 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6279% | 210 |
| Cost of funding earning assets | 0.8721% | 340 |
| Net interest margin | 4.7558% | 382 |
| Noninterest income to average assets | 4.5937% | 132 |
| Noninterest expense to average assets | 7.7491% | 112 |
| Loan and lease loss provision to assets | 0.0139% | 4,106 |
| Net operating income to assets | 1.3091% | 1,194 |
| Return on assets (ROA) | 1.3091% | 1,256 |
| Pretax return on assets | 1.4147% | 1,882 |
| Return on Equity (ROE) | 12.2808% | 1,175 |
| Retained earnings to average equity (ytd only) | 9.1870% | 544 |
| Net charge-offs to loans | -0.1567% | 5,693 |
| Credit loss provision to net charge-offs | -10.1045% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4335% | 975 |
| Assets per employee ($millions) | 1.6168% | 5,831 |
| Cash dividends to net income (ytd only)* | 25.1925% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 5,440 |
| Loan loss allowance to noncurrent loans | 212.6140% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 4,185 |
| Noncurrent loans to loans | 0.3076% | 4,036 |
| Net loans and leases to total assets | 88.8184% | 103 |
| Net loans and leases to deposits | 115.6027% | 134 |
| Net loans and leases to core deposits | 139.1684% | 180 |
| Total domestic deposits to total assets | 76.8308% | 5,140 |
| Equity capital to assets | 9.7678% | 3,988 |
| Core capital (leverage) ratio | 9.3689% | 4,260 |
| Tier 1 risk-based capital ratio | 17.4376% | 2,025 |
| Total risk-based capital ratio | 18.5809% | 2,012 |
| Memoranda: | ||
| Average total assets | $208,308,000 | 2,871 |
| Average earning assets | $200,786,600 | 2,780 |
| Average equity | $22,205,400 | 2,973 |
| Average total loans | $183,188,200 | 2,280 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5864% | 222 |
| Cost of funding earning assets | 0.8710% | 339 |
| Net interest margin | 4.7154% | 423 |
| Noninterest income to average assets | 4.2439% | 147 |
| Noninterest expense to average assets | 7.5652% | 114 |
| Loan and lease loss provision to assets | -0.1236% | 5,814 |
| Net operating income to assets | 1.2471% | 1,463 |
| Return on assets (ROA) | 1.2471% | 1,572 |
| Pretax return on assets | 1.3482% | 2,246 |
| Return on Equity (ROE) | 11.4143% | 1,521 |
| Retained earnings to average equity (ytd only) | 8.0131% | 1,169 |
| Net charge-offs to loans | -0.2423% | 5,806 |
| Credit loss provision to net charge-offs | 58.3072% | 2,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0687% | 816 |
| Assets per employee ($millions) | 1.6313% | 5,899 |
| Cash dividends to net income (ytd only)* | 29.7973% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6084% | 5,595 |
| Loan loss allowance to noncurrent loans | 1,253.6082% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 5,301 |
| Noncurrent loans to loans | 0.0485% | 5,167 |
| Net loans and leases to total assets | 87.6059% | 162 |
| Net loans and leases to deposits | 108.7955% | 285 |
| Net loans and leases to core deposits | 122.1330% | 455 |
| Total domestic deposits to total assets | 80.5235% | 4,382 |
| Equity capital to assets | 9.9892% | 4,133 |
| Core capital (leverage) ratio | 9.5846% | 4,078 |
| Tier 1 risk-based capital ratio | 18.0673% | 1,898 |
| Total risk-based capital ratio | 19.1330% | 1,918 |
| Memoranda: | ||
| Average total assets | $200,563,250 | 2,961 |
| Average earning assets | $193,346,500 | 2,876 |
| Average equity | $21,913,500 | 3,017 |
| Average total loans | $175,502,750 | 2,359 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 247 |
| Cost of funding earning assets | 0.8651% | 346 |
| Net interest margin | 4.6542% | 455 |
| Noninterest income to average assets | 3.7928% | 160 |
| Noninterest expense to average assets | 7.6180% | 118 |
| Loan and lease loss provision to assets | -0.3253% | 5,985 |
| Net operating income to assets | 0.9122% | 2,802 |
| Return on assets (ROA) | 0.9122% | 2,935 |
| Pretax return on assets | 0.9873% | 3,632 |
| Return on Equity (ROE) | 8.0764% | 2,946 |
| Retained earnings to average equity (ytd only) | 6.1473% | 2,040 |
| Net charge-offs to loans | -0.4529% | 5,930 |
| Credit loss provision to net charge-offs | 82.3219% | 2,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0045% | 494 |
| Assets per employee ($millions) | 1.6311% | 5,977 |
| Cash dividends to net income (ytd only)* | 23.8857% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6331% | 5,639 |
| Loan loss allowance to noncurrent loans | 1,161.6162% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 5,373 |
| Noncurrent loans to loans | 0.0545% | 5,240 |
| Net loans and leases to total assets | 87.1305% | 187 |
| Net loans and leases to deposits | 98.2590% | 863 |
| Net loans and leases to core deposits | 103.7854% | 1,334 |
| Total domestic deposits to total assets | 88.6743% | 1,077 |
| Equity capital to assets | 10.6199% | 3,511 |
| Core capital (leverage) ratio | 10.3481% | 3,135 |
| Tier 1 risk-based capital ratio | 19.2962% | 1,629 |
| Total risk-based capital ratio | 20.4077% | 1,622 |
| Memoranda: | ||
| Average total assets | $191,836,000 | 3,069 |
| Average earning assets | $184,949,330 | 2,986 |
| Average equity | $21,668,000 | 3,043 |
| Average total loans | $167,384,330 | 2,444 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4759% | 265 |
| Cost of funding earning assets | 0.8683% | 348 |
| Net interest margin | 4.6076% | 493 |
| Noninterest income to average assets | 3.1513% | 191 |
| Noninterest expense to average assets | 7.8358% | 114 |
| Loan and lease loss provision to assets | -1.0533% | 6,107 |
| Net operating income to assets | 0.7362% | 3,555 |
| Return on assets (ROA) | 0.7362% | 3,664 |
| Pretax return on assets | 0.8057% | 4,177 |
| Return on Equity (ROE) | 6.3062% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.3062% | 2,229 |
| Net charge-offs to loans | -1.3079% | 6,055 |
| Credit loss provision to net charge-offs | 92.5573% | 1,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2627% | 223 |
| Assets per employee ($millions) | 1.5578% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6757% | 5,635 |
| Loan loss allowance to noncurrent loans | 1,110.8911% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 5,397 |
| Noncurrent loans to loans | 0.0608% | 5,237 |
| Net loans and leases to total assets | 87.4995% | 144 |
| Net loans and leases to deposits | 99.5804% | 654 |
| Net loans and leases to core deposits | 107.4401% | 994 |
| Total domestic deposits to total assets | 87.8682% | 1,715 |
| Equity capital to assets | 11.4978% | 2,443 |
| Core capital (leverage) ratio | 11.1562% | 2,259 |
| Tier 1 risk-based capital ratio | 20.3176% | 1,440 |
| Total risk-based capital ratio | 21.4785% | 1,429 |
| Memoranda: | ||
| Average total assets | $184,179,500 | 3,157 |
| Average earning assets | $177,359,500 | 3,080 |
| Average equity | $21,502,500 | 3,065 |
| Average total loans | $160,256,500 | 2,522 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7371% | 187 |
| Cost of funding earning assets | 0.8700% | 332 |
| Net interest margin | 4.8672% | 317 |
| Noninterest income to average assets | 4.1924% | 149 |
| Noninterest expense to average assets | 7.2630% | 131 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4922% | 880 |
| Return on assets (ROA) | 1.4922% | 910 |
| Pretax return on assets | 1.5942% | 1,260 |
| Return on Equity (ROE) | 12.5756% | 1,159 |
| Retained earnings to average equity (ytd only) | 6.4399% | 1,574 |
| Net charge-offs to loans | -0.0065% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0014% | 1,411 |
| Assets per employee ($millions) | 1.9341% | 6,060 |
| Cash dividends to net income (ytd only)* | 48.7908% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7011% | 5,633 |
| Loan loss allowance to noncurrent loans | 1,061.7647% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 5,438 |
| Noncurrent loans to loans | 0.0660% | 5,247 |
| Net loans and leases to total assets | 85.2733% | 288 |
| Net loans and leases to deposits | 97.6371% | 848 |
| Net loans and leases to core deposits | 106.7087% | 1,067 |
| Total domestic deposits to total assets | 87.3370% | 1,964 |
| Equity capital to assets | 11.8602% | 2,064 |
| Core capital (leverage) ratio | 11.5607% | 1,914 |
| Tier 1 risk-based capital ratio | 21.3615% | 1,239 |
| Total risk-based capital ratio | 22.5603% | 1,232 |
| Memoranda: | ||
| Average total assets | $157,952,200 | 3,460 |
| Average earning assets | $151,382,000 | 3,383 |
| Average equity | $18,742,600 | 3,289 |
| Average total loans | $137,718,600 | 2,753 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8529% | 163 |
| Cost of funding earning assets | 0.8688% | 350 |
| Net interest margin | 4.9841% | 262 |
| Noninterest income to average assets | 4.2839% | 147 |
| Noninterest expense to average assets | 7.2177% | 139 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6991% | 626 |
| Return on assets (ROA) | 1.6991% | 647 |
| Pretax return on assets | 1.8372% | 826 |
| Return on Equity (ROE) | 14.3167% | 837 |
| Retained earnings to average equity (ytd only) | 11.3693% | 429 |
| Net charge-offs to loans | -0.0070% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7103% | 1,703 |
| Assets per employee ($millions) | 2.0850% | 6,115 |
| Cash dividends to net income (ytd only)* | 20.5867% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 5,644 |
| Loan loss allowance to noncurrent loans | 1,029.5238% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 5,515 |
| Noncurrent loans to loans | 0.0718% | 5,338 |
| Net loans and leases to total assets | 88.0821% | 134 |
| Net loans and leases to deposits | 100.7024% | 630 |
| Net loans and leases to core deposits | 110.9431% | 824 |
| Total domestic deposits to total assets | 87.4677% | 1,815 |
| Equity capital to assets | 11.5100% | 2,503 |
| Core capital (leverage) ratio | 10.8578% | 2,636 |
| Tier 1 risk-based capital ratio | 19.8891% | 1,580 |
| Total risk-based capital ratio | 21.1395% | 1,536 |
| Memoranda: | ||
| Average total assets | $152,472,500 | 3,562 |
| Average earning assets | $145,952,750 | 3,490 |
| Average equity | $18,095,000 | 3,395 |
| Average total loans | $133,532,000 | 2,844 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9158% | 144 |
| Cost of funding earning assets | 0.8534% | 375 |
| Net interest margin | 5.0624% | 226 |
| Noninterest income to average assets | 3.8736% | 164 |
| Noninterest expense to average assets | 7.1689% | 141 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4435% | 1,006 |
| Return on assets (ROA) | 1.4435% | 1,040 |
| Pretax return on assets | 1.5419% | 1,520 |
| Return on Equity (ROE) | 12.0290% | 1,362 |
| Retained earnings to average equity (ytd only) | 7.5364% | 1,457 |
| Net charge-offs to loans | -0.0093% | 4,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2992% | 1,446 |
| Assets per employee ($millions) | 1.8511% | 6,231 |
| Cash dividends to net income (ytd only)* | 37.3483% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 5,616 |
| Loan loss allowance to noncurrent loans | 1,018.8679% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 5,595 |
| Noncurrent loans to loans | 0.0778% | 5,423 |
| Net loans and leases to total assets | 86.9049% | 188 |
| Net loans and leases to deposits | 99.3391% | 699 |
| Net loans and leases to core deposits | 110.0747% | 830 |
| Total domestic deposits to total assets | 87.4830% | 1,916 |
| Equity capital to assets | 11.6320% | 2,308 |
| Core capital (leverage) ratio | 10.7479% | 2,679 |
| Tier 1 risk-based capital ratio | 19.2777% | 1,722 |
| Total risk-based capital ratio | 20.5279% | 1,690 |
| Memoranda: | ||
| Average total assets | $148,390,670 | 3,653 |
| Average earning assets | $141,790,000 | 3,569 |
| Average equity | $17,807,000 | 3,452 |
| Average total loans | $129,320,000 | 2,927 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8474% | 159 |
| Cost of funding earning assets | 0.8395% | 400 |
| Net interest margin | 5.0079% | 248 |
| Noninterest income to average assets | 3.6647% | 177 |
| Noninterest expense to average assets | 6.9898% | 150 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3864% | 1,054 |
| Return on assets (ROA) | 1.3864% | 1,112 |
| Pretax return on assets | 1.4692% | 1,664 |
| Return on Equity (ROE) | 11.3658% | 1,529 |
| Retained earnings to average equity (ytd only) | 11.3658% | 669 |
| Net charge-offs to loans | -0.0095% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6314% | 1,544 |
| Assets per employee ($millions) | 1.9741% | 6,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8214% | 5,644 |
| Loan loss allowance to noncurrent loans | 1,006.5421% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 5,651 |
| Noncurrent loans to loans | 0.0816% | 5,452 |
| Net loans and leases to total assets | 86.6807% | 158 |
| Net loans and leases to deposits | 99.1953% | 610 |
| Net loans and leases to core deposits | 109.8426% | 752 |
| Total domestic deposits to total assets | 87.3839% | 2,176 |
| Equity capital to assets | 11.9429% | 2,068 |
| Core capital (leverage) ratio | 11.2393% | 2,202 |
| Tier 1 risk-based capital ratio | 19.2853% | 1,792 |
| Total risk-based capital ratio | 20.5360% | 1,751 |
| Memoranda: | ||
| Average total assets | $144,839,500 | 3,732 |
| Average earning assets | $138,660,500 | 3,643 |
| Average equity | $17,667,000 | 3,500 |
| Average total loans | $125,874,500 | 2,986 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0731% | 142 |
| Cost of funding earning assets | 0.8958% | 398 |
| Net interest margin | 5.1773% | 218 |
| Noninterest income to average assets | 3.0955% | 186 |
| Noninterest expense to average assets | 6.9815% | 137 |
| Loan and lease loss provision to assets | 0.0015% | 4,580 |
| Net operating income to assets | 0.9424% | 2,659 |
| Return on assets (ROA) | 0.9424% | 2,753 |
| Pretax return on assets | 1.0313% | 3,384 |
| Return on Equity (ROE) | 7.4092% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.4092% | 1,224 |
| Net charge-offs to loans | -0.1203% | 6,161 |
| Credit loss provision to net charge-offs | -1.4706% | 5,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1125% | 1,064 |
| Assets per employee ($millions) | 1.9130% | 6,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8904% | 5,505 |
| Loan loss allowance to noncurrent loans | 994.4444% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 5,722 |
| Noncurrent loans to loans | 0.0895% | 5,531 |
| Net loans and leases to total assets | 85.6082% | 234 |
| Net loans and leases to deposits | 98.7804% | 703 |
| Net loans and leases to core deposits | 112.3114% | 681 |
| Total domestic deposits to total assets | 86.6651% | 2,476 |
| Equity capital to assets | 12.4713% | 1,668 |
| Core capital (leverage) ratio | 11.1769% | 2,238 |
| Tier 1 risk-based capital ratio | 19.9992% | 1,604 |
| Total risk-based capital ratio | 21.2514% | 1,569 |
| Memoranda: | ||
| Average total assets | $130,415,200 | 3,965 |
| Average earning assets | $123,907,000 | 3,887 |
| Average equity | $16,587,400 | 3,593 |
| Average total loans | $113,087,200 | 3,156 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1725% | 130 |
| Cost of funding earning assets | 0.9039% | 412 |
| Net interest margin | 5.2686% | 184 |
| Noninterest income to average assets | 3.1223% | 183 |
| Noninterest expense to average assets | 7.2552% | 132 |
| Loan and lease loss provision to assets | 0.0021% | 4,363 |
| Net operating income to assets | 0.7910% | 3,465 |
| Return on assets (ROA) | 0.7910% | 3,568 |
| Pretax return on assets | 0.8638% | 4,134 |
| Return on Equity (ROE) | 6.1862% | 4,140 |
| Retained earnings to average equity (ytd only) | 6.1862% | 2,282 |
| Net charge-offs to loans | -0.1583% | 6,253 |
| Credit loss provision to net charge-offs | -1.5152% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3374% | 890 |
| Assets per employee ($millions) | 1.9578% | 6,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 5,550 |
| Loan loss allowance to noncurrent loans | 972.7273% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 5,840 |
| Noncurrent loans to loans | 0.0943% | 5,663 |
| Net loans and leases to total assets | 85.6006% | 215 |
| Net loans and leases to deposits | 98.8824% | 678 |
| Net loans and leases to core deposits | 112.8948% | 626 |
| Total domestic deposits to total assets | 86.5681% | 2,546 |
| Equity capital to assets | 12.5443% | 1,665 |
| Core capital (leverage) ratio | 11.2067% | 2,301 |
| Tier 1 risk-based capital ratio | 19.8980% | 1,700 |
| Total risk-based capital ratio | 21.1498% | 1,668 |
| Memoranda: | ||
| Average total assets | $128,106,750 | 4,043 |
| Average earning assets | $121,547,000 | 3,956 |
| Average equity | $16,380,250 | 3,635 |
| Average total loans | $111,202,750 | 3,215 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2964% | 104 |
| Cost of funding earning assets | 0.9103% | 403 |
| Net interest margin | 5.3861% | 153 |
| Noninterest income to average assets | 2.5855% | 232 |
| Noninterest expense to average assets | 7.4766% | 121 |
| Loan and lease loss provision to assets | -0.0461% | 6,292 |
| Net operating income to assets | 0.2337% | 5,751 |
| Return on assets (ROA) | 0.2337% | 5,817 |
| Pretax return on assets | 0.2544% | 5,863 |
| Return on Equity (ROE) | 1.8157% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.8157% | 4,983 |
| Net charge-offs to loans | -0.2341% | 6,379 |
| Credit loss provision to net charge-offs | 22.6563% | 3,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2895% | 494 |
| Assets per employee ($millions) | 1.9089% | 6,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 5,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 86.5023% | 155 |
| Net loans and leases to deposits | 99.9297% | 562 |
| Net loans and leases to core deposits | 114.6782% | 512 |
| Total domestic deposits to total assets | 86.5631% | 2,724 |
| Equity capital to assets | 12.5833% | 1,594 |
| Core capital (leverage) ratio | 11.1910% | 2,252 |
| Tier 1 risk-based capital ratio | 19.4528% | 1,809 |
| Total risk-based capital ratio | 20.7044% | 1,782 |
| Memoranda: | ||
| Average total assets | $125,779,330 | 4,120 |
| Average earning assets | $119,083,670 | 4,032 |
| Average equity | $16,191,670 | 3,660 |
| Average total loans | $109,368,000 | 3,257 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9034% | 165 |
| Cost of funding earning assets | 0.9327% | 377 |
| Net interest margin | 4.9708% | 289 |
| Noninterest income to average assets | 2.2623% | 274 |
| Noninterest expense to average assets | 7.6338% | 121 |
| Loan and lease loss provision to assets | -0.2392% | 6,592 |
| Net operating income to assets | -0.4298% | 6,444 |
| Return on assets (ROA) | -0.4298% | 6,448 |
| Pretax return on assets | -0.4298% | 6,437 |
| Return on Equity (ROE) | -3.3001% | 6,416 |
| Retained earnings to average equity (ytd only) | -3.3001% | 5,993 |
| Net charge-offs to loans | -0.4656% | 6,550 |
| Credit loss provision to net charge-offs | 59.2000% | 2,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.6056% | 275 |
| Assets per employee ($millions) | 1.6801% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 5,847 |
| Loan loss allowance to noncurrent loans | 201.4286% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 4,982 |
| Noncurrent loans to loans | 0.4504% | 4,802 |
| Net loans and leases to total assets | 85.5536% | 161 |
| Net loans and leases to deposits | 98.8203% | 499 |
| Net loans and leases to core deposits | 114.5530% | 447 |
| Total domestic deposits to total assets | 86.5750% | 3,060 |
| Equity capital to assets | 12.7402% | 1,438 |
| Core capital (leverage) ratio | 11.3078% | 2,129 |
| Tier 1 risk-based capital ratio | 20.0383% | 1,712 |
| Total risk-based capital ratio | 21.2890% | 1,678 |
| Memoranda: | ||
| Average total assets | $123,765,500 | 4,196 |
| Average earning assets | $117,084,500 | 4,114 |
| Average equity | $16,120,500 | 3,679 |
| Average total loans | $107,391,500 | 3,314 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5302% | 345 |
| Cost of funding earning assets | 1.1570% | 219 |
| Net interest margin | 4.3732% | 952 |
| Noninterest income to average assets | 4.1823% | 159 |
| Noninterest expense to average assets | 6.9485% | 148 |
| Loan and lease loss provision to assets | 0.8363% | 246 |
| Net operating income to assets | 0.4830% | 4,804 |
| Return on assets (ROA) | 0.4830% | 4,945 |
| Pretax return on assets | 0.5483% | 5,052 |
| Return on Equity (ROE) | 3.9878% | 5,119 |
| Retained earnings to average equity (ytd only) | 3.9878% | 3,358 |
| Net charge-offs to loans | 0.8361% | 738 |
| Credit loss provision to net charge-offs | 128.7234% | 1,823 |
| Earnings coverage of net charge-offs (x) | 2.1312% | 4,320 |
| Efficiency ratio | 83.3840% | 1,703 |
| Assets per employee ($millions) | 1.4296% | 6,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 5,973 |
| Loan loss allowance to noncurrent loans | 53.1516% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 1.4491% | 2,573 |
| Noncurrent loans to loans | 1.6615% | 2,415 |
| Net loans and leases to total assets | 86.4491% | 133 |
| Net loans and leases to deposits | 100.6245% | 452 |
| Net loans and leases to core deposits | 121.2061% | 310 |
| Total domestic deposits to total assets | 85.9126% | 3,303 |
| Equity capital to assets | 13.3204% | 1,132 |
| Core capital (leverage) ratio | 11.7890% | 1,766 |
| Tier 1 risk-based capital ratio | 20.3782% | 1,569 |
| Total risk-based capital ratio | 21.6296% | 1,537 |
| Memoranda: | ||
| Average total assets | $130,215,800 | 4,067 |
| Average earning assets | $123,593,600 | 3,977 |
| Average equity | $15,773,200 | 3,743 |
| Average total loans | $101,180,800 | 3,423 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3278% | 507 |
| Cost of funding earning assets | 1.1987% | 201 |
| Net interest margin | 4.1291% | 1,541 |
| Noninterest income to average assets | 4.3608% | 159 |
| Noninterest expense to average assets | 6.8574% | 153 |
| Loan and lease loss provision to assets | 0.7996% | 245 |
| Net operating income to assets | 0.6143% | 4,284 |
| Return on assets (ROA) | 0.6143% | 4,409 |
| Pretax return on assets | 0.6274% | 4,923 |
| Return on Equity (ROE) | 5.1903% | 4,631 |
| Retained earnings to average equity (ytd only) | 5.1903% | 2,940 |
| Net charge-offs to loans | 0.8335% | 702 |
| Credit loss provision to net charge-offs | 127.0400% | 1,853 |
| Earnings coverage of net charge-offs (x) | 2.2672% | 4,087 |
| Efficiency ratio | 82.7741% | 1,726 |
| Assets per employee ($millions) | 1.5281% | 6,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8341% | 6,209 |
| Loan loss allowance to noncurrent loans | 38.8463% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 1.6691% | 2,462 |
| Noncurrent loans to loans | 2.1472% | 2,075 |
| Net loans and leases to total assets | 77.0862% | 862 |
| Net loans and leases to deposits | 88.3707% | 1,329 |
| Net loans and leases to core deposits | 104.7799% | 836 |
| Total domestic deposits to total assets | 87.2305% | 2,549 |
| Equity capital to assets | 12.1617% | 1,810 |
| Core capital (leverage) ratio | 10.7459% | 2,726 |
| Tier 1 risk-based capital ratio | 20.9893% | 1,497 |
| Total risk-based capital ratio | 22.2396% | 1,471 |
| Memoranda: | ||
| Average total assets | $132,389,750 | 4,061 |
| Average earning assets | $125,802,000 | 3,967 |
| Average equity | $15,669,750 | 3,798 |
| Average total loans | $99,978,750 | 3,475 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3961% | 452 |
| Cost of funding earning assets | 1.1998% | 215 |
| Net interest margin | 4.1962% | 1,285 |
| Noninterest income to average assets | 4.9090% | 150 |
| Noninterest expense to average assets | 7.1661% | 144 |
| Loan and lease loss provision to assets | 0.8699% | 232 |
| Net operating income to assets | 0.8623% | 2,980 |
| Return on assets (ROA) | 0.8623% | 3,135 |
| Pretax return on assets | 0.8623% | 4,055 |
| Return on Equity (ROE) | 7.3531% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.3531% | 1,729 |
| Net charge-offs to loans | 0.9711% | 630 |
| Credit loss provision to net charge-offs | 119.7917% | 1,861 |
| Earnings coverage of net charge-offs (x) | 2.3854% | 3,726 |
| Efficiency ratio | 80.5338% | 2,083 |
| Assets per employee ($millions) | 1.4782% | 6,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 6,361 |
| Loan loss allowance to noncurrent loans | 31.5832% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 1.8753% | 2,306 |
| Noncurrent loans to loans | 2.5229% | 1,832 |
| Net loans and leases to total assets | 73.7399% | 1,295 |
| Net loans and leases to deposits | 84.3718% | 1,750 |
| Net loans and leases to core deposits | 100.1685% | 1,067 |
| Total domestic deposits to total assets | 87.3987% | 2,591 |
| Equity capital to assets | 11.9271% | 1,960 |
| Core capital (leverage) ratio | 10.5087% | 2,869 |
| Tier 1 risk-based capital ratio | 21.6347% | 1,359 |
| Total risk-based capital ratio | 22.8730% | 1,333 |
| Memoranda: | ||
| Average total assets | $132,205,670 | 4,097 |
| Average earning assets | $125,684,000 | 3,995 |
| Average equity | $15,503,670 | 3,853 |
| Average total loans | $98,857,670 | 3,522 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2671% | 540 |
| Cost of funding earning assets | 1.1981% | 233 |
| Net interest margin | 4.0690% | 1,563 |
| Noninterest income to average assets | 4.2402% | 180 |
| Noninterest expense to average assets | 7.0750% | 149 |
| Loan and lease loss provision to assets | 0.9864% | 182 |
| Net operating income to assets | 0.0546% | 6,239 |
| Return on assets (ROA) | 0.0546% | 6,325 |
| Pretax return on assets | 0.0546% | 6,331 |
| Return on Equity (ROE) | 0.4699% | 6,335 |
| Retained earnings to average equity (ytd only) | 0.4699% | 5,637 |
| Net charge-offs to loans | 1.2141% | 476 |
| Credit loss provision to net charge-offs | 108.3333% | 1,714 |
| Earnings coverage of net charge-offs (x) | 1.1433% | 3,451 |
| Efficiency ratio | 87.1728% | 1,401 |
| Assets per employee ($millions) | 1.5774% | 6,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7167% | 6,570 |
| Loan loss allowance to noncurrent loans | 79.6892% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.6347% | 4,791 |
| Noncurrent loans to loans | 0.8994% | 4,338 |
| Net loans and leases to total assets | 70.0609% | 1,648 |
| Net loans and leases to deposits | 78.9600% | 2,218 |
| Net loans and leases to core deposits | 90.7616% | 1,633 |
| Total domestic deposits to total assets | 88.7296% | 1,852 |
| Equity capital to assets | 10.8041% | 3,196 |
| Core capital (leverage) ratio | 9.4590% | 4,149 |
| Tier 1 risk-based capital ratio | 19.6063% | 1,881 |
| Total risk-based capital ratio | 20.6698% | 1,907 |
| Memoranda: | ||
| Average total assets | $131,787,500 | 4,141 |
| Average earning assets | $125,534,500 | 4,033 |
| Average equity | $15,321,500 | 3,942 |
| Average total loans | $98,840,000 | 3,540 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7196% | 421 |
| Cost of funding earning assets | 1.2540% | 452 |
| Net interest margin | 4.4656% | 1,009 |
| Noninterest income to average assets | 5.6308% | 128 |
| Noninterest expense to average assets | 7.2258% | 136 |
| Loan and lease loss provision to assets | 0.6061% | 904 |
| Net operating income to assets | 2.0194% | 346 |
| Return on assets (ROA) | 2.0377% | 366 |
| Pretax return on assets | 2.0377% | 561 |
| Return on Equity (ROE) | 15.2266% | 771 |
| Retained earnings to average equity (ytd only) | 15.2266% | 147 |
| Net charge-offs to loans | 0.6517% | 1,806 |
| Credit loss provision to net charge-offs | 116.1111% | 2,487 |
| Earnings coverage of net charge-offs (x) | 5.0296% | 3,169 |
| Efficiency ratio | 73.3490% | 3,183 |
| Assets per employee ($millions) | 1.8426% | 6,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7108% | 6,622 |
| Loan loss allowance to noncurrent loans | 90.5882% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 4,894 |
| Noncurrent loans to loans | 0.7846% | 4,611 |
| Net loans and leases to total assets | 79.6045% | 509 |
| Net loans and leases to deposits | 91.8638% | 920 |
| Net loans and leases to core deposits | 110.8431% | 512 |
| Total domestic deposits to total assets | 86.6549% | 3,022 |
| Equity capital to assets | 12.5853% | 1,645 |
| Core capital (leverage) ratio | 11.0425% | 2,222 |
| Tier 1 risk-based capital ratio | 20.0495% | 1,665 |
| Total risk-based capital ratio | 21.1018% | 1,688 |
| Memoranda: | ||
| Average total assets | $103,449,000 | 4,750 |
| Average earning assets | $97,768,600 | 4,645 |
| Average equity | $13,844,200 | 4,194 |
| Average total loans | $82,857,800 | 3,951 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8282% | 382 |
| Cost of funding earning assets | 1.2677% | 510 |
| Net interest margin | 4.5605% | 887 |
| Noninterest income to average assets | 5.9178% | 121 |
| Noninterest expense to average assets | 7.2658% | 132 |
| Loan and lease loss provision to assets | 0.7778% | 625 |
| Net operating income to assets | 2.1757% | 297 |
| Return on assets (ROA) | 2.2013% | 315 |
| Pretax return on assets | 2.2013% | 477 |
| Return on Equity (ROE) | 16.1531% | 728 |
| Retained earnings to average equity (ytd only) | 16.1531% | 190 |
| Net charge-offs to loans | 0.9091% | 1,196 |
| Credit loss provision to net charge-offs | 106.8519% | 2,748 |
| Earnings coverage of net charge-offs (x) | 4.0574% | 3,416 |
| Efficiency ratio | 71.0988% | 3,487 |
| Assets per employee ($millions) | 1.9278% | 7,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7418% | 6,697 |
| Loan loss allowance to noncurrent loans | 83.5065% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 4,967 |
| Noncurrent loans to loans | 0.8884% | 4,655 |
| Net loans and leases to total assets | 76.9445% | 852 |
| Net loans and leases to deposits | 89.6328% | 1,195 |
| Net loans and leases to core deposits | 109.7849% | 581 |
| Total domestic deposits to total assets | 85.8442% | 3,337 |
| Equity capital to assets | 13.2677% | 1,463 |
| Core capital (leverage) ratio | 11.5934% | 1,919 |
| Tier 1 risk-based capital ratio | 20.7308% | 1,592 |
| Total risk-based capital ratio | 21.7782% | 1,598 |
| Memoranda: | ||
| Average total assets | $98,908,750 | 4,907 |
| Average earning assets | $93,291,750 | 4,819 |
| Average equity | $13,479,000 | 4,300 |
| Average total loans | $79,197,250 | 4,103 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7893% | 412 |
| Cost of funding earning assets | 1.2584% | 625 |
| Net interest margin | 4.5310% | 941 |
| Noninterest income to average assets | 5.2554% | 132 |
| Noninterest expense to average assets | 7.2827% | 138 |
| Loan and lease loss provision to assets | 0.8287% | 591 |
| Net operating income to assets | 1.4143% | 1,162 |
| Return on assets (ROA) | 1.4544% | 1,209 |
| Pretax return on assets | 1.4544% | 1,995 |
| Return on Equity (ROE) | 10.5627% | 2,145 |
| Retained earnings to average equity (ytd only) | 10.5627% | 836 |
| Net charge-offs to loans | 0.9647% | 1,149 |
| Credit loss provision to net charge-offs | 105.9459% | 2,569 |
| Earnings coverage of net charge-offs (x) | 2.8676% | 3,594 |
| Efficiency ratio | 76.4536% | 2,677 |
| Assets per employee ($millions) | 1.8857% | 7,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 6,826 |
| Loan loss allowance to noncurrent loans | 47.2892% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 1.2804% | 3,869 |
| Noncurrent loans to loans | 1.4908% | 3,671 |
| Net loans and leases to total assets | 85.2848% | 166 |
| Net loans and leases to deposits | 98.8965% | 476 |
| Net loans and leases to core deposits | 118.2841% | 341 |
| Total domestic deposits to total assets | 86.2365% | 3,229 |
| Equity capital to assets | 13.0182% | 1,509 |
| Core capital (leverage) ratio | 11.2076% | 2,118 |
| Tier 1 risk-based capital ratio | 18.8028% | 2,028 |
| Total risk-based capital ratio | 19.8390% | 2,065 |
| Memoranda: | ||
| Average total assets | $94,607,330 | 5,051 |
| Average earning assets | $89,164,330 | 4,960 |
| Average equity | $13,027,000 | 4,389 |
| Average total loans | $76,704,000 | 4,198 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7048% | 515 |
| Cost of funding earning assets | 1.2751% | 700 |
| Net interest margin | 4.4297% | 1,166 |
| Noninterest income to average assets | 6.0098% | 116 |
| Noninterest expense to average assets | 7.6444% | 123 |
| Loan and lease loss provision to assets | 0.4353% | 1,438 |
| Net operating income to assets | 2.0965% | 355 |
| Return on assets (ROA) | 2.1809% | 356 |
| Pretax return on assets | 2.1809% | 558 |
| Return on Equity (ROE) | 15.3563% | 913 |
| Retained earnings to average equity (ytd only) | 15.3563% | 422 |
| Net charge-offs to loans | 1.0835% | 951 |
| Credit loss provision to net charge-offs | 51.3089% | 3,259 |
| Earnings coverage of net charge-offs (x) | 2.9843% | 2,997 |
| Efficiency ratio | 75.1200% | 2,916 |
| Assets per employee ($millions) | 1.7601% | 7,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7301% | 6,840 |
| Loan loss allowance to noncurrent loans | 44.8729% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 1.2005% | 4,122 |
| Noncurrent loans to loans | 1.6270% | 3,670 |
| Net loans and leases to total assets | 73.2474% | 1,176 |
| Net loans and leases to deposits | 85.6689% | 1,457 |
| Net loans and leases to core deposits | 100.7934% | 940 |
| Total domestic deposits to total assets | 85.5006% | 3,791 |
| Equity capital to assets | 13.9734% | 1,033 |
| Core capital (leverage) ratio | 12.0406% | 1,562 |
| Tier 1 risk-based capital ratio | 19.2615% | 1,915 |
| Total risk-based capital ratio | 20.1421% | 1,983 |
| Memoranda: | ||
| Average total assets | $90,053,000 | 5,205 |
| Average earning assets | $84,700,500 | 5,120 |
| Average equity | $12,789,500 | 4,441 |
| Average total loans | $70,515,000 | 4,430 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9958% | 2,903 |
| Cost of funding earning assets | 1.3857% | 1,098 |
| Net interest margin | 3.6101% | 4,693 |
| Noninterest income to average assets | 3.7679% | 166 |
| Noninterest expense to average assets | 6.6627% | 159 |
| Loan and lease loss provision to assets | 0.4798% | 2,208 |
| Net operating income to assets | 0.0000% | 6,037 |
| Return on assets (ROA) | 0.0564% | 6,063 |
| Pretax return on assets | 0.0564% | 6,039 |
| Return on Equity (ROE) | 0.3970% | 6,087 |
| Retained earnings to average equity (ytd only) | 0.3970% | 5,650 |
| Net charge-offs to loans | 0.0604% | 5,695 |
| Credit loss provision to net charge-offs | 1,180.6452% | 183 |
| Earnings coverage of net charge-offs (x) | 11.8065% | 1,680 |
| Efficiency ratio | 93.2819% | 964 |
| Assets per employee ($millions) | 1.8902% | 7,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8547% | 6,637 |
| Loan loss allowance to noncurrent loans | 45.2915% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 1.5730% | 3,587 |
| Noncurrent loans to loans | 1.8872% | 3,358 |
| Net loans and leases to total assets | 82.6395% | 295 |
| Net loans and leases to deposits | 100.1496% | 451 |
| Net loans and leases to core deposits | 107.0299% | 754 |
| Total domestic deposits to total assets | 82.5161% | 4,959 |
| Equity capital to assets | 14.4579% | 910 |
| Core capital (leverage) ratio | 12.3211% | 1,424 |
| Tier 1 risk-based capital ratio | 19.2178% | 1,839 |
| Total risk-based capital ratio | 20.2853% | 1,839 |
| Memoranda: | ||
| Average total assets | $76,275,400 | 5,557 |
| Average earning assets | $71,299,600 | 5,494 |
| Average equity | $10,830,400 | 4,822 |
| Average total loans | $51,298,600 | 5,223 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 3,937 |
| Cost of funding earning assets | 1.4241% | 1,133 |
| Net interest margin | 3.3973% | 5,588 |
| Noninterest income to average assets | 3.4395% | 185 |
| Noninterest expense to average assets | 6.7026% | 153 |
| Loan and lease loss provision to assets | 0.5363% | 1,837 |
| Net operating income to assets | -0.6263% | 6,714 |
| Return on assets (ROA) | -0.5490% | 6,707 |
| Pretax return on assets | -0.5490% | 6,650 |
| Return on Equity (ROE) | -3.8865% | 6,624 |
| Retained earnings to average equity (ytd only) | -3.8865% | 6,506 |
| Net charge-offs to loans | 0.0891% | 5,080 |
| Credit loss provision to net charge-offs | 961.2903% | 280 |
| Earnings coverage of net charge-offs (x) | -1.6131% | 5,995 |
| Efficiency ratio | 101.3609% | 622 |
| Assets per employee ($millions) | 2.4463% | 6,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 6,462 |
| Loan loss allowance to noncurrent loans | 62.9977% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 4,866 |
| Noncurrent loans to loans | 1.5031% | 4,034 |
| Net loans and leases to total assets | 62.1785% | 3,681 |
| Net loans and leases to deposits | 71.7524% | 4,022 |
| Net loans and leases to core deposits | 75.8528% | 4,208 |
| Total domestic deposits to total assets | 86.6570% | 2,850 |
| Equity capital to assets | 12.4735% | 1,926 |
| Core capital (leverage) ratio | 10.4219% | 2,965 |
| Tier 1 risk-based capital ratio | 21.7598% | 1,331 |
| Total risk-based capital ratio | 22.9189% | 1,312 |
| Memoranda: | ||
| Average total assets | $74,079,000 | 5,678 |
| Average earning assets | $69,190,250 | 5,608 |
| Average equity | $10,463,500 | 4,928 |
| Average total loans | $46,398,250 | 5,457 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8700% | 3,755 |
| Cost of funding earning assets | 1.4281% | 1,289 |
| Net interest margin | 3.4419% | 5,401 |
| Noninterest income to average assets | 3.4752% | 189 |
| Noninterest expense to average assets | 7.2768% | 133 |
| Loan and lease loss provision to assets | 0.4781% | 2,071 |
| Net operating income to assets | -1.0758% | 6,964 |
| Return on assets (ROA) | -1.0700% | 6,975 |
| Pretax return on assets | -1.0700% | 6,919 |
| Return on Equity (ROE) | -7.2046% | 6,833 |
| Retained earnings to average equity (ytd only) | -7.2046% | 6,729 |
| Net charge-offs to loans | 0.1444% | 4,326 |
| Credit loss provision to net charge-offs | 529.0323% | 581 |
| Earnings coverage of net charge-offs (x) | -6.6129% | 5,807 |
| Efficiency ratio | 108.9481% | 496 |
| Assets per employee ($millions) | 2.2274% | 7,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 6,862 |
| Loan loss allowance to noncurrent loans | 47.1963% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 1.0387% | 4,807 |
| Noncurrent loans to loans | 1.6977% | 3,887 |
| Net loans and leases to total assets | 60.6887% | 4,150 |
| Net loans and leases to deposits | 70.7790% | 4,328 |
| Net loans and leases to core deposits | 76.7152% | 4,224 |
| Total domestic deposits to total assets | 85.7439% | 3,473 |
| Equity capital to assets | 13.6870% | 1,212 |
| Core capital (leverage) ratio | 11.4026% | 1,977 |
| Tier 1 risk-based capital ratio | 24.4512% | 961 |
| Total risk-based capital ratio | 25.5302% | 954 |
| Memoranda: | ||
| Average total assets | $68,601,330 | 5,867 |
| Average earning assets | $63,861,000 | 5,831 |
| Average equity | $10,188,000 | 4,996 |
| Average total loans | $42,925,330 | 5,666 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9035% | 3,574 |
| Cost of funding earning assets | 1.4578% | 1,345 |
| Net interest margin | 3.4457% | 5,244 |
| Noninterest income to average assets | 3.1704% | 209 |
| Noninterest expense to average assets | 7.8904% | 111 |
| Loan and lease loss provision to assets | 0.5900% | 1,457 |
| Net operating income to assets | -2.1071% | 7,299 |
| Return on assets (ROA) | -2.0682% | 7,291 |
| Pretax return on assets | -2.0682% | 7,265 |
| Return on Equity (ROE) | -13.2338% | 7,105 |
| Retained earnings to average equity (ytd only) | -13.2338% | 6,983 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.8047% | 311 |
| Assets per employee ($millions) | 2.1729% | 7,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 6,870 |
| Loan loss allowance to noncurrent loans | 41.9767% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 1.3193% | 4,329 |
| Noncurrent loans to loans | 1.9600% | 3,628 |
| Net loans and leases to total assets | 66.7567% | 2,822 |
| Net loans and leases to deposits | 78.9363% | 2,906 |
| Net loans and leases to core deposits | 81.3094% | 3,562 |
| Total domestic deposits to total assets | 84.5703% | 4,237 |
| Equity capital to assets | 14.5292% | 870 |
| Core capital (leverage) ratio | 11.6771% | 1,755 |
| Tier 1 risk-based capital ratio | 24.8465% | 892 |
| Total risk-based capital ratio | 25.8450% | 898 |
| Memoranda: | ||
| Average total assets | $61,695,000 | 6,133 |
| Average earning assets | $57,346,500 | 6,088 |
| Average equity | $9,642,000 | 5,137 |
| Average total loans | $39,178,000 | 5,886 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 6,589 |
| Cost of funding earning assets | 1.7427% | 1,410 |
| Net interest margin | 2.6730% | 7,141 |
| Noninterest income to average assets | 2.0932% | 368 |
| Noninterest expense to average assets | 7.4966% | 132 |
| Loan and lease loss provision to assets | 0.6344% | 2,596 |
| Net operating income to assets | -3.6879% | 7,400 |
| Return on assets (ROA) | -3.6944% | 7,416 |
| Pretax return on assets | -3.6944% | 7,395 |
| Return on Equity (ROE) | -16.3502% | 6,959 |
| Retained earnings to average equity (ytd only) | -16.3502% | 6,927 |
| Net charge-offs to loans | 1.1487% | 1,940 |
| Credit loss provision to net charge-offs | 109.2937% | 4,036 |
| Earnings coverage of net charge-offs (x) | -5.2602% | 6,775 |
| Efficiency ratio | 168.7227% | 138 |
| Assets per employee ($millions) | 2.3282% | 7,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7831% | 7,005 |
| Loan loss allowance to noncurrent loans | 30.1676% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 1.5377% | 4,004 |
| Noncurrent loans to loans | 2.5958% | 2,937 |
| Net loans and leases to total assets | 58.7743% | 4,903 |
| Net loans and leases to deposits | 71.4369% | 4,620 |
| Net loans and leases to core deposits | 72.6337% | 5,147 |
| Total domestic deposits to total assets | 82.2744% | 5,098 |
| Equity capital to assets | 16.8597% | 470 |
| Core capital (leverage) ratio | 13.8199% | 887 |
| Tier 1 risk-based capital ratio | 31.4769% | 451 |
| Total risk-based capital ratio | 32.6451% | 447 |
| Memoranda: | ||
| Average total assets | $46,341,000 | 6,657 |
| Average earning assets | $40,740,800 | 6,686 |
| Average equity | $10,470,800 | 4,990 |
| Average total loans | $23,417,000 | 6,754 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 6,939 |
| Cost of funding earning assets | 1.8677% | 1,144 |
| Net interest margin | 2.4534% | 7,401 |
| Noninterest income to average assets | 1.3894% | 704 |
| Noninterest expense to average assets | 7.5863% | 125 |
| Loan and lease loss provision to assets | 0.5318% | 2,809 |
| Net operating income to assets | -4.6170% | 7,619 |
| Return on assets (ROA) | -4.6231% | 7,628 |
| Pretax return on assets | -4.6231% | 7,611 |
| Return on Equity (ROE) | -18.8550% | 7,200 |
| Retained earnings to average equity (ytd only) | -18.8550% | 7,180 |
| Net charge-offs to loans | 1.2912% | 1,583 |
| Credit loss provision to net charge-offs | 86.5000% | 4,903 |
| Earnings coverage of net charge-offs (x) | -6.6450% | 6,607 |
| Efficiency ratio | 216.6813% | 68 |
| Assets per employee ($millions) | 2.1765% | 7,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 7,205 |
| Loan loss allowance to noncurrent loans | 22.4156% | 6,792 |
| Noncurrent assets plus other real estate owned to assets | 1.9517% | 3,536 |
| Noncurrent loans to loans | 3.1030% | 2,571 |
| Net loans and leases to total assets | 62.4590% | 4,432 |
| Net loans and leases to deposits | 78.8356% | 3,666 |
| Net loans and leases to core deposits | 80.4296% | 4,466 |
| Total domestic deposits to total assets | 79.2269% | 5,961 |
| Equity capital to assets | 20.1239% | 279 |
| Core capital (leverage) ratio | 16.6159% | 478 |
| Tier 1 risk-based capital ratio | 34.6766% | 358 |
| Total risk-based capital ratio | 35.9387% | 351 |
| Memoranda: | ||
| Average total assets | $43,375,250 | 6,840 |
| Average earning assets | $37,335,250 | 6,903 |
| Average equity | $10,635,250 | 5,010 |
| Average total loans | $20,651,500 | 6,979 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 7,484 |
| Cost of funding earning assets | 1.8622% | 1,370 |
| Net interest margin | 1.9325% | 7,659 |
| Noninterest income to average assets | 0.5736% | 3,519 |
| Noninterest expense to average assets | 7.8936% | 119 |
| Loan and lease loss provision to assets | 0.4569% | 3,037 |
| Net operating income to assets | -6.1730% | 7,745 |
| Return on assets (ROA) | -6.1827% | 7,747 |
| Pretax return on assets | -6.1827% | 7,737 |
| Return on Equity (ROE) | -23.5070% | 7,345 |
| Retained earnings to average equity (ytd only) | -23.5070% | 7,331 |
| Net charge-offs to loans | 1.6432% | 1,154 |
| Credit loss provision to net charge-offs | 67.1429% | 5,043 |
| Earnings coverage of net charge-offs (x) | -8.4000% | 6,314 |
| Efficiency ratio | 362.5000% | 27 |
| Assets per employee ($millions) | 2.5731% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 7,021 |
| Loan loss allowance to noncurrent loans | 94.3396% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 6,372 |
| Noncurrent loans to loans | 0.8539% | 5,555 |
| Net loans and leases to total assets | 50.3764% | 6,390 |
| Net loans and leases to deposits | 64.3617% | 5,994 |
| Net loans and leases to core deposits | 66.1492% | 6,236 |
| Total domestic deposits to total assets | 78.2707% | 6,205 |
| Equity capital to assets | 21.0317% | 234 |
| Core capital (leverage) ratio | 17.5191% | 398 |
| Tier 1 risk-based capital ratio | 39.6864% | 255 |
| Total risk-based capital ratio | 40.8818% | 248 |
| Memoranda: | ||
| Average total assets | $41,147,000 | 6,955 |
| Average earning assets | $34,152,330 | 7,076 |
| Average equity | $10,822,330 | 4,964 |
| Average total loans | $17,040,000 | 7,219 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 7,610 |
| Cost of funding earning assets | 1.9605% | 1,209 |
| Net interest margin | 1.7913% | 7,779 |
| Noninterest income to average assets | 0.1610% | 6,821 |
| Noninterest expense to average assets | 7.9621% | 119 |
| Loan and lease loss provision to assets | 0.5043% | 2,478 |
| Net operating income to assets | -6.9427% | 7,842 |
| Return on assets (ROA) | -7.3076% | 7,851 |
| Pretax return on assets | -7.3076% | 7,845 |
| Return on Equity (ROE) | -24.5571% | 7,495 |
| Retained earnings to average equity (ytd only) | -24.5571% | 7,452 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 522.5352% | 16 |
| Assets per employee ($millions) | 3.1151% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0004% | 2,190 |
| Loan loss allowance to noncurrent loans | 84.1954% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8593% | 5,436 |
| Noncurrent loans to loans | 2.3759% | 3,304 |
| Net loans and leases to total assets | 35.4455% | 7,445 |
| Net loans and leases to deposits | 48.5556% | 7,205 |
| Net loans and leases to core deposits | 48.5556% | 7,337 |
| Total domestic deposits to total assets | 72.9998% | 7,161 |
| Equity capital to assets | 26.6693% | 118 |
| Core capital (leverage) ratio | 22.8415% | 170 |
| Tier 1 risk-based capital ratio | 64.3134% | 96 |
| Total risk-based capital ratio | 65.7546% | 95 |
| Memoranda: | ||
| Average total assets | $37,276,500 | 7,188 |
| Average earning assets | $28,360,000 | 7,378 |
| Average equity | $11,092,500 | 4,958 |
| Average total loans | $13,146,000 | 7,485 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5374% | 7,352 |
| Cost of funding earning assets | 2.9971% | 232 |
| Net interest margin | 1.5403% | 7,857 |
| Noninterest income to average assets | 0.2530% | 6,292 |
| Noninterest expense to average assets | 8.6234% | 122 |
| Loan and lease loss provision to assets | 1.5469% | 1,490 |
| Net operating income to assets | -8.6523% | 7,951 |
| Return on assets (ROA) | -8.6559% | 7,951 |
| Pretax return on assets | -8.6559% | 7,938 |
| Return on Equity (ROE) | -51.1927% | 7,693 |
| Retained earnings to average equity (ytd only) | -51.1927% | 7,683 |
| Net charge-offs to loans | 2.2890% | 1,017 |
| Credit loss provision to net charge-offs | 172.5806% | 2,458 |
| Earnings coverage of net charge-offs (x) | -7.9274% | 7,150 |
| Efficiency ratio | 568.0952% | 27 |
| Assets per employee ($millions) | 2.6198% | 7,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1211% | 1,789 |
| Loan loss allowance to noncurrent loans | 73.0769% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 0.9925% | 5,123 |
| Noncurrent loans to loans | 2.9025% | 2,661 |
| Net loans and leases to total assets | 33.4674% | 7,612 |
| Net loans and leases to deposits | 50.5813% | 7,227 |
| Net loans and leases to core deposits | 77.4426% | 6,306 |
| Total domestic deposits to total assets | 66.1655% | 7,630 |
| Equity capital to assets | 33.4293% | 85 |
| Core capital (leverage) ratio | 29.4652% | 105 |
| Tier 1 risk-based capital ratio | 86.0062% | 69 |
| Total risk-based capital ratio | 87.2594% | 69 |
| Memoranda: | ||
| Average total assets | $27,669,000 | 7,565 |
| Average earning assets | $22,722,200 | 7,627 |
| Average equity | $4,678,400 | 7,058 |
| Average total loans | $10,834,600 | 7,662 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 7,528 |
| Cost of funding earning assets | 3.0896% | 253 |
| Net interest margin | 1.3903% | 7,970 |
| Noninterest income to average assets | 0.2966% | 6,100 |
| Noninterest expense to average assets | 6.7708% | 214 |
| Loan and lease loss provision to assets | 1.2120% | 1,603 |
| Net operating income to assets | -6.4435% | 7,949 |
| Return on assets (ROA) | -6.4486% | 7,948 |
| Pretax return on assets | -6.4486% | 7,934 |
| Return on Equity (ROE) | -56.0103% | 7,876 |
| Retained earnings to average equity (ytd only) | -56.0103% | 7,872 |
| Net charge-offs to loans | 3.1100% | 521 |
| Credit loss provision to net charge-offs | 95.5645% | 5,323 |
| Earnings coverage of net charge-offs (x) | -4.1250% | 6,832 |
| Efficiency ratio | 439.8671% | 38 |
| Assets per employee ($millions) | 2.4697% | 7,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5793% | 7,612 |
| Loan loss allowance to noncurrent loans | 3.4398% | 7,517 |
| Noncurrent assets plus other real estate owned to assets | 6.5919% | 757 |
| Noncurrent loans to loans | 16.8408% | 107 |
| Net loans and leases to total assets | 38.9157% | 7,511 |
| Net loans and leases to deposits | 43.4946% | 7,638 |
| Net loans and leases to core deposits | 69.5794% | 6,985 |
| Total domestic deposits to total assets | 89.4724% | 983 |
| Equity capital to assets | 9.9243% | 4,181 |
| Core capital (leverage) ratio | 8.5392% | 5,421 |
| Tier 1 risk-based capital ratio | 18.4001% | 1,888 |
| Total risk-based capital ratio | 18.8962% | 2,037 |
| Memoranda: | ||
| Average total assets | $26,072,000 | 7,675 |
| Average earning assets | $23,303,000 | 7,681 |
| Average equity | $3,001,750 | 7,661 |
| Average total loans | $10,632,000 | 7,749 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 7,637 |
| Cost of funding earning assets | 3.0895% | 364 |
| Net interest margin | 1.3903% | 8,043 |
| Noninterest income to average assets | 0.3317% | 5,857 |
| Noninterest expense to average assets | 6.6641% | 251 |
| Loan and lease loss provision to assets | 1.8093% | 914 |
| Net operating income to assets | -6.8525% | 8,043 |
| Return on assets (ROA) | -6.8601% | 8,038 |
| Pretax return on assets | -6.8601% | 8,018 |
| Return on Equity (ROE) | -57.1369% | 7,960 |
| Retained earnings to average equity (ytd only) | -57.1369% | 7,957 |
| Net charge-offs to loans | 4.5282% | 285 |
| Credit loss provision to net charge-offs | 96.7742% | 4,712 |
| Earnings coverage of net charge-offs (x) | -2.6976% | 6,394 |
| Efficiency ratio | 411.1628% | 54 |
| Assets per employee ($millions) | 2.1347% | 7,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5891% | 7,651 |
| Loan loss allowance to noncurrent loans | 3.6241% | 7,552 |
| Noncurrent assets plus other real estate owned to assets | 6.9330% | 618 |
| Noncurrent loans to loans | 16.2540% | 106 |
| Net loans and leases to total assets | 42.4027% | 7,424 |
| Net loans and leases to deposits | 48.1317% | 7,559 |
| Net loans and leases to core deposits | 67.3316% | 7,153 |
| Total domestic deposits to total assets | 88.0973% | 1,715 |
| Equity capital to assets | 11.3619% | 2,625 |
| Core capital (leverage) ratio | 10.4466% | 2,861 |
| Tier 1 risk-based capital ratio | 21.0053% | 1,392 |
| Total risk-based capital ratio | 21.5157% | 1,485 |
| Memoranda: | ||
| Average total assets | $26,530,330 | 7,739 |
| Average earning assets | $24,599,330 | 7,699 |
| Average equity | $3,185,330 | 7,670 |
| Average total loans | $10,953,670 | 7,817 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 7,840 |
| Cost of funding earning assets | 3.0762% | 493 |
| Net interest margin | 1.2455% | 8,120 |
| Noninterest income to average assets | 0.1854% | 6,965 |
| Noninterest expense to average assets | 6.0169% | 287 |
| Loan and lease loss provision to assets | 0.2139% | 4,308 |
| Net operating income to assets | -4.8620% | 8,029 |
| Return on assets (ROA) | -4.8620% | 8,023 |
| Pretax return on assets | -4.8620% | 7,974 |
| Return on Equity (ROE) | -39.6051% | 7,981 |
| Retained earnings to average equity (ytd only) | -39.6051% | 7,959 |
| Net charge-offs to loans | 0.7354% | 1,712 |
| Credit loss provision to net charge-offs | 71.4286% | 4,328 |
| Earnings coverage of net charge-offs (x) | -15.5238% | 5,646 |
| Efficiency ratio | 439.5833% | 46 |
| Assets per employee ($millions) | 2.2826% | 7,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5600% | 7,737 |
| Loan loss allowance to noncurrent loans | 3.3425% | 7,564 |
| Noncurrent assets plus other real estate owned to assets | 6.6628% | 538 |
| Noncurrent loans to loans | 16.7539% | 69 |
| Net loans and leases to total assets | 39.5458% | 7,590 |
| Net loans and leases to deposits | 45.3089% | 7,684 |
| Net loans and leases to core deposits | 65.6167% | 7,252 |
| Total domestic deposits to total assets | 87.2805% | 2,076 |
| Equity capital to assets | 12.1025% | 2,199 |
| Core capital (leverage) ratio | 11.0701% | 2,453 |
| Tier 1 risk-based capital ratio | 18.1791% | 2,010 |
| Total risk-based capital ratio | 18.5491% | 2,189 |
| Memoranda: | ||
| Average total assets | $28,054,500 | 7,731 |
| Average earning assets | $26,656,000 | 7,655 |
| Average equity | $3,444,000 | 7,642 |
| Average total loans | $11,422,500 | 7,835 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9991% | 7,834 |
| Cost of funding earning assets | 3.1194% | 1,453 |
| Net interest margin | 1.8797% | 8,113 |
| Noninterest income to average assets | 0.3020% | 6,290 |
| Noninterest expense to average assets | 6.2690% | 367 |
| Loan and lease loss provision to assets | 0.6630% | 2,187 |
| Net operating income to assets | -4.8458% | 8,075 |
| Return on assets (ROA) | -4.7764% | 8,055 |
| Pretax return on assets | -4.7764% | 7,997 |
| Return on Equity (ROE) | -32.9313% | 8,000 |
| Retained earnings to average equity (ytd only) | -32.9313% | 7,957 |
| Net charge-offs to loans | 0.2727% | 3,588 |
| Credit loss provision to net charge-offs | 545.7143% | 802 |
| Earnings coverage of net charge-offs (x) | -34.4286% | 6,965 |
| Efficiency ratio | 300.4992% | 101 |
| Assets per employee ($millions) | 2.3932% | 7,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0120% | 426 |
| Loan loss allowance to noncurrent loans | 17.0132% | 7,338 |
| Noncurrent assets plus other real estate owned to assets | 7.3682% | 332 |
| Noncurrent loans to loans | 17.7041% | 51 |
| Net loans and leases to total assets | 40.3649% | 7,654 |
| Net loans and leases to deposits | 46.3272% | 7,772 |
| Net loans and leases to core deposits | 66.3880% | 7,350 |
| Total domestic deposits to total assets | 87.1300% | 1,876 |
| Equity capital to assets | 12.4417% | 2,041 |
| Core capital (leverage) ratio | 11.8431% | 2,061 |
| Tier 1 risk-based capital ratio | 20.6745% | 1,510 |
| Total risk-based capital ratio | 22.8778% | 1,329 |
| Memoranda: | ||
| Average total assets | $28,808,600 | 7,690 |
| Average earning assets | $27,345,000 | 7,646 |
| Average equity | $4,178,400 | 7,439 |
| Average total loans | $12,835,400 | 7,783 |