Home > Redstone Bank > Performance and Condition Ratios
Redstone Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4062% | 803 |
| Cost of funding earning assets | 2.7860% | 721 |
| Net interest margin | 3.6202% | 1,843 |
| Noninterest income to average assets | 0.1400% | 4,039 |
| Noninterest expense to average assets | 2.6559% | 1,857 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.5679% | 3,315 |
| Return on assets (ROA) | 0.5072% | 3,472 |
| Pretax return on assets | 0.6718% | 3,317 |
| Return on Equity (ROE) | 4.2700% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.2676% | 2,526 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 73.3470% | 1,624 |
| Assets per employee ($millions) | 7.8637% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 569 |
| Loan loss allowance to noncurrent loans | 131.6473% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.9135% | 762 |
| Noncurrent loans to loans | 1.3416% | 738 |
| Net loans and leases to total assets | 66.8900% | 2,273 |
| Net loans and leases to deposits | 79.1512% | 2,209 |
| Net loans and leases to core deposits | 88.7786% | 2,200 |
| Total domestic deposits to total assets | 84.5100% | 2,658 |
| Equity capital to assets | 13.0859% | 870 |
| Core capital (leverage) ratio | 11.6361% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5529% | 1,146 |
| Memoranda: | ||
| Average total assets | $255,130,800 | 2,675 |
| Average earning assets | $232,195,400 | 2,698 |
| Average equity | $30,321,200 | 2,368 |
| Average total loans | $160,455,200 | 2,653 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2957% | 894 |
| Cost of funding earning assets | 2.7594% | 761 |
| Net interest margin | 3.5363% | 1,944 |
| Noninterest income to average assets | 0.1400% | 4,042 |
| Noninterest expense to average assets | 2.6001% | 1,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.5965% | 3,235 |
| Return on assets (ROA) | 0.5170% | 3,448 |
| Pretax return on assets | 0.6699% | 3,339 |
| Return on Equity (ROE) | 4.4500% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.4526% | 2,673 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 73.1091% | 1,684 |
| Assets per employee ($millions) | 9.4364% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 644 |
| Loan loss allowance to noncurrent loans | 123.5136% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7902% | 881 |
| Noncurrent loans to loans | 1.3849% | 710 |
| Net loans and leases to total assets | 56.0800% | 3,255 |
| Net loans and leases to deposits | 69.5234% | 3,024 |
| Net loans and leases to core deposits | 81.5325% | 2,717 |
| Total domestic deposits to total assets | 80.6700% | 3,365 |
| Equity capital to assets | 11.0498% | 1,710 |
| Core capital (leverage) ratio | 11.2644% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $259,936,000 | 2,642 |
| Average earning assets | $237,193,000 | 2,666 |
| Average equity | $30,183,750 | 2,375 |
| Average total loans | $160,411,000 | 2,648 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3711% | 741 |
| Cost of funding earning assets | 2.7888% | 673 |
| Net interest margin | 3.5823% | 1,815 |
| Noninterest income to average assets | 0.1500% | 3,984 |
| Noninterest expense to average assets | 2.6089% | 1,924 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6287% | 3,117 |
| Return on assets (ROA) | 0.5059% | 3,452 |
| Pretax return on assets | 0.6486% | 3,338 |
| Return on Equity (ROE) | 4.2800% | 3,671 |
| Retained earnings to average equity (ytd only) | 4.2793% | 2,610 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 72.3281% | 1,821 |
| Assets per employee ($millions) | 9.3231% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 709 |
| Loan loss allowance to noncurrent loans | 119.4923% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 671 |
| Noncurrent loans to loans | 1.4031% | 630 |
| Net loans and leases to total assets | 64.7000% | 2,483 |
| Net loans and leases to deposits | 82.2604% | 1,998 |
| Net loans and leases to core deposits | 96.6590% | 1,691 |
| Total domestic deposits to total assets | 78.6500% | 3,629 |
| Equity capital to assets | 11.9730% | 1,176 |
| Core capital (leverage) ratio | 11.5174% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4781% | 1,398 |
| Memoranda: | ||
| Average total assets | $252,217,333 | 2,680 |
| Average earning assets | $229,630,000 | 2,707 |
| Average equity | $29,818,000 | 2,362 |
| Average total loans | $160,038,667 | 2,647 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3357% | 717 |
| Cost of funding earning assets | 2.8222% | 582 |
| Net interest margin | 3.5134% | 1,882 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 2.6348% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5733% | 3,215 |
| Return on assets (ROA) | 0.3280% | 3,787 |
| Pretax return on assets | 0.4151% | 3,726 |
| Return on Equity (ROE) | 2.7900% | 3,888 |
| Retained earnings to average equity (ytd only) | 2.7919% | 3,034 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.2574% | 1,719 |
| Assets per employee ($millions) | 9.0754% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 596 |
| Loan loss allowance to noncurrent loans | 185.4278% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 1,093 |
| Noncurrent loans to loans | 0.9451% | 922 |
| Net loans and leases to total assets | 61.2000% | 2,738 |
| Net loans and leases to deposits | 77.5756% | 2,278 |
| Net loans and leases to core deposits | 90.5894% | 2,011 |
| Total domestic deposits to total assets | 78.8900% | 3,691 |
| Equity capital to assets | 11.7259% | 1,213 |
| Core capital (leverage) ratio | 11.0261% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7677% | 1,338 |
| Memoranda: | ||
| Average total assets | $252,463,500 | 2,684 |
| Average earning assets | $230,315,000 | 2,706 |
| Average equity | $29,657,500 | 2,374 |
| Average total loans | $157,242,000 | 2,662 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9061% | 722 |
| Cost of funding earning assets | 2.0483% | 850 |
| Net interest margin | 3.8578% | 1,462 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.6009% | 1,998 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.7909% | 2,899 |
| Return on assets (ROA) | 0.7006% | 3,166 |
| Pretax return on assets | 0.9177% | 2,916 |
| Return on Equity (ROE) | 6.0100% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.0059% | 2,238 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.3325% | 2,440 |
| Assets per employee ($millions) | 8.9577% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 561 |
| Loan loss allowance to noncurrent loans | 159.3463% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 749 |
| Noncurrent loans to loans | 1.1166% | 646 |
| Net loans and leases to total assets | 61.1600% | 2,746 |
| Net loans and leases to deposits | 78.1109% | 2,249 |
| Net loans and leases to core deposits | 94.0704% | 1,767 |
| Total domestic deposits to total assets | 78.3000% | 3,693 |
| Equity capital to assets | 11.7688% | 1,210 |
| Core capital (leverage) ratio | 11.1288% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6038% | 1,370 |
| Memoranda: | ||
| Average total assets | $241,376,200 | 2,728 |
| Average earning assets | $223,701,400 | 2,722 |
| Average equity | $28,155,600 | 2,355 |
| Average total loans | $150,427,600 | 2,674 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7709% | 715 |
| Cost of funding earning assets | 1.8265% | 968 |
| Net interest margin | 3.9444% | 1,316 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.6168% | 1,891 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.8775% | 2,767 |
| Return on assets (ROA) | 0.8418% | 2,876 |
| Pretax return on assets | 1.0521% | 2,706 |
| Return on Equity (ROE) | 7.2300% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.2333% | 2,215 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.6194% | 2,543 |
| Assets per employee ($millions) | 9.6973% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 584 |
| Loan loss allowance to noncurrent loans | 125.3142% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 612 |
| Noncurrent loans to loans | 1.4248% | 519 |
| Net loans and leases to total assets | 60.9100% | 2,760 |
| Net loans and leases to deposits | 77.1808% | 2,315 |
| Net loans and leases to core deposits | 93.1358% | 1,722 |
| Total domestic deposits to total assets | 78.9200% | 3,705 |
| Equity capital to assets | 11.0462% | 1,329 |
| Core capital (leverage) ratio | 11.1762% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9646% | 1,327 |
| Memoranda: | ||
| Average total assets | $239,016,500 | 2,754 |
| Average earning assets | $222,421,500 | 2,741 |
| Average equity | $27,815,000 | 2,360 |
| Average total loans | $148,987,500 | 2,692 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5532% | 776 |
| Cost of funding earning assets | 1.5800% | 1,111 |
| Net interest margin | 3.9732% | 1,287 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.6133% | 1,891 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0365% | 2,294 |
| Return on assets (ROA) | 1.0365% | 2,291 |
| Pretax return on assets | 1.3160% | 2,034 |
| Return on Equity (ROE) | 8.7500% | 3,047 |
| Retained earnings to average equity (ytd only) | 8.7473% | 1,752 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.6681% | 2,632 |
| Assets per employee ($millions) | 9.0928% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7035% | 743 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.8300% | 2,693 |
| Net loans and leases to deposits | 79.0872% | 2,038 |
| Net loans and leases to core deposits | 91.0679% | 1,733 |
| Total domestic deposits to total assets | 76.9100% | 3,960 |
| Equity capital to assets | 12.0205% | 1,042 |
| Core capital (leverage) ratio | 11.4434% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1531% | 1,284 |
| Memoranda: | ||
| Average total assets | $234,645,000 | 2,786 |
| Average earning assets | $218,361,333 | 2,772 |
| Average equity | $27,803,000 | 2,372 |
| Average total loans | $146,526,333 | 2,704 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1305% | 1,050 |
| Cost of funding earning assets | 1.3143% | 1,202 |
| Net interest margin | 3.8162% | 1,654 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.5787% | 2,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0678% | 2,324 |
| Return on assets (ROA) | 1.0678% | 2,296 |
| Pretax return on assets | 1.3467% | 2,031 |
| Return on Equity (ROE) | 9.0800% | 3,025 |
| Retained earnings to average equity (ytd only) | 9.0778% | 1,929 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.8570% | 2,718 |
| Assets per employee ($millions) | 8.5160% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9356% | 495 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 59.4900% | 2,715 |
| Net loans and leases to deposits | 68.3794% | 2,738 |
| Net loans and leases to core deposits | 76.6739% | 2,481 |
| Total domestic deposits to total assets | 87.0000% | 2,261 |
| Equity capital to assets | 12.5068% | 872 |
| Core capital (leverage) ratio | 11.8198% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0604% | 1,143 |
| Memoranda: | ||
| Average total assets | $233,761,500 | 2,826 |
| Average earning assets | $217,914,500 | 2,808 |
| Average equity | $27,495,500 | 2,420 |
| Average total loans | $146,644,500 | 2,735 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3536% | 962 |
| Cost of funding earning assets | 0.4736% | 1,561 |
| Net interest margin | 3.8800% | 1,006 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.4911% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0712% | 2,293 |
| Return on assets (ROA) | 1.0630% | 2,271 |
| Pretax return on assets | 1.1851% | 2,486 |
| Return on Equity (ROE) | 8.9500% | 3,144 |
| Retained earnings to average equity (ytd only) | 8.9486% | 1,493 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.4618% | 2,570 |
| Assets per employee ($millions) | 9.8443% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 2,556 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 63.8400% | 2,258 |
| Net loans and leases to deposits | 83.3755% | 1,506 |
| Net loans and leases to core deposits | 86.5515% | 1,709 |
| Total domestic deposits to total assets | 76.5700% | 4,215 |
| Equity capital to assets | 11.0923% | 1,223 |
| Core capital (leverage) ratio | 11.2922% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7424% | 1,714 |
| Memoranda: | ||
| Average total assets | $231,702,200 | 2,836 |
| Average earning assets | $214,534,600 | 2,833 |
| Average equity | $27,523,800 | 2,451 |
| Average total loans | $133,965,600 | 2,789 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1592% | 962 |
| Cost of funding earning assets | 0.3728% | 1,496 |
| Net interest margin | 3.7864% | 969 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 2.5094% | 1,992 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8744% | 2,986 |
| Return on assets (ROA) | 0.8744% | 2,955 |
| Pretax return on assets | 1.0831% | 2,768 |
| Return on Equity (ROE) | 7.2300% | 3,542 |
| Retained earnings to average equity (ytd only) | 7.2321% | 2,286 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.5386% | 2,337 |
| Assets per employee ($millions) | 8.8264% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 1,995 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 58.5900% | 2,635 |
| Net loans and leases to deposits | 73.1003% | 2,121 |
| Net loans and leases to core deposits | 78.2975% | 2,018 |
| Total domestic deposits to total assets | 80.1500% | 4,086 |
| Equity capital to assets | 10.9852% | 1,186 |
| Core capital (leverage) ratio | 10.7476% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1608% | 1,381 |
| Memoranda: | ||
| Average total assets | $228,101,000 | 2,874 |
| Average earning assets | $210,643,500 | 2,876 |
| Average equity | $27,580,000 | 2,484 |
| Average total loans | $127,715,250 | 2,848 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 1,199 |
| Cost of funding earning assets | 0.2582% | 2,162 |
| Net interest margin | 3.5964% | 1,075 |
| Noninterest income to average assets | 0.0952% | 4,505 |
| Noninterest expense to average assets | 2.5287% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7201% | 3,242 |
| Return on assets (ROA) | 0.7201% | 3,194 |
| Pretax return on assets | 0.8767% | 3,128 |
| Return on Equity (ROE) | 5.7689% | 3,638 |
| Retained earnings to average equity (ytd only) | 5.7689% | 2,411 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6289% | 2,014 |
| Assets per employee ($millions) | 8.3750% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 1,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 57.5405% | 2,578 |
| Net loans and leases to deposits | 68.9846% | 2,305 |
| Net loans and leases to core deposits | 77.6675% | 1,879 |
| Total domestic deposits to total assets | 83.4106% | 3,802 |
| Equity capital to assets | 11.3052% | 1,098 |
| Core capital (leverage) ratio | 11.1351% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6350% | 1,274 |
| Memoranda: | ||
| Average total assets | $224,697,333 | 2,915 |
| Average earning assets | $206,815,333 | 2,940 |
| Average equity | $28,047,000 | 2,524 |
| Average total loans | $123,126,667 | 2,913 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5015% | 1,804 |
| Cost of funding earning assets | 0.2140% | 2,613 |
| Net interest margin | 3.2875% | 1,596 |
| Noninterest income to average assets | 0.0964% | 4,523 |
| Noninterest expense to average assets | 2.5198% | 1,835 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5072% | 3,694 |
| Return on assets (ROA) | 0.5072% | 3,660 |
| Pretax return on assets | 0.5947% | 3,650 |
| Return on Equity (ROE) | 3.8787% | 3,906 |
| Retained earnings to average equity (ytd only) | 3.8787% | 2,978 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8601% | 1,543 |
| Assets per employee ($millions) | 9.1901% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 1,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 53.2682% | 2,848 |
| Net loans and leases to deposits | 64.8822% | 2,449 |
| Net loans and leases to core deposits | 72.0025% | 2,112 |
| Total domestic deposits to total assets | 82.0999% | 4,063 |
| Equity capital to assets | 12.8866% | 716 |
| Core capital (leverage) ratio | 11.2876% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7033% | 1,103 |
| Memoranda: | ||
| Average total assets | $223,983,000 | 2,931 |
| Average earning assets | $205,625,500 | 2,961 |
| Average equity | $29,288,500 | 2,526 |
| Average total loans | $118,708,000 | 2,953 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 1,097 |
| Cost of funding earning assets | 0.3300% | 2,122 |
| Net interest margin | 3.8101% | 983 |
| Noninterest income to average assets | 0.1033% | 4,591 |
| Noninterest expense to average assets | 2.6099% | 1,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8019% | 3,327 |
| Return on assets (ROA) | 0.8027% | 3,398 |
| Pretax return on assets | 1.0083% | 3,240 |
| Return on Equity (ROE) | 5.9203% | 3,794 |
| Retained earnings to average equity (ytd only) | 5.9203% | 2,393 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6100% | 2,042 |
| Assets per employee ($millions) | 9.4751% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 1,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 51.1101% | 3,165 |
| Net loans and leases to deposits | 62.5968% | 2,825 |
| Net loans and leases to core deposits | 68.9998% | 2,550 |
| Total domestic deposits to total assets | 81.6498% | 4,014 |
| Equity capital to assets | 13.2602% | 833 |
| Core capital (leverage) ratio | 10.8410% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7539% | 1,324 |
| Memoranda: | ||
| Average total assets | $214,911,200 | 2,949 |
| Average earning assets | $198,210,600 | 2,968 |
| Average equity | $29,136,800 | 2,592 |
| Average total loans | $113,067,400 | 3,024 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 1,324 |
| Cost of funding earning assets | 0.3525% | 2,098 |
| Net interest margin | 3.7389% | 1,252 |
| Noninterest income to average assets | 0.1051% | 4,651 |
| Noninterest expense to average assets | 2.5660% | 1,940 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7884% | 3,557 |
| Return on assets (ROA) | 0.7894% | 3,620 |
| Pretax return on assets | 0.9928% | 3,484 |
| Return on Equity (ROE) | 5.7888% | 3,962 |
| Retained earnings to average equity (ytd only) | 5.7888% | 2,917 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4394% | 1,908 |
| Assets per employee ($millions) | 9.1055% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 55.9044% | 2,734 |
| Net loans and leases to deposits | 68.8940% | 2,344 |
| Net loans and leases to core deposits | 78.1092% | 1,889 |
| Total domestic deposits to total assets | 81.1456% | 4,069 |
| Equity capital to assets | 13.5513% | 836 |
| Core capital (leverage) ratio | 10.8713% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2595% | 1,088 |
| Memoranda: | ||
| Average total assets | $211,788,250 | 3,000 |
| Average earning assets | $195,558,750 | 3,026 |
| Average equity | $28,882,500 | 2,632 |
| Average total loans | $111,815,250 | 3,089 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2375% | 1,113 |
| Cost of funding earning assets | 0.3835% | 2,029 |
| Net interest margin | 3.8539% | 1,058 |
| Noninterest income to average assets | 0.1088% | 4,657 |
| Noninterest expense to average assets | 2.5246% | 2,064 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9024% | 3,211 |
| Return on assets (ROA) | 0.9039% | 3,286 |
| Pretax return on assets | 1.1444% | 3,078 |
| Return on Equity (ROE) | 6.6134% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.6134% | 2,578 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2374% | 2,395 |
| Assets per employee ($millions) | 8.7802% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 1,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 53.6418% | 3,174 |
| Net loans and leases to deposits | 65.9235% | 2,833 |
| Net loans and leases to core deposits | 77.5778% | 2,084 |
| Total domestic deposits to total assets | 81.3698% | 4,034 |
| Equity capital to assets | 13.3688% | 852 |
| Core capital (leverage) ratio | 10.7846% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8490% | 1,158 |
| Memoranda: | ||
| Average total assets | $209,540,333 | 3,017 |
| Average earning assets | $193,464,667 | 3,038 |
| Average equity | $28,638,667 | 2,636 |
| Average total loans | $107,747,333 | 3,157 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 844 |
| Cost of funding earning assets | 0.4299% | 1,862 |
| Net interest margin | 4.0198% | 818 |
| Noninterest income to average assets | 0.1134% | 4,627 |
| Noninterest expense to average assets | 2.6164% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9484% | 2,974 |
| Return on assets (ROA) | 0.9484% | 3,065 |
| Pretax return on assets | 1.2085% | 2,826 |
| Return on Equity (ROE) | 6.8586% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.8586% | 2,624 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9059% | 2,477 |
| Assets per employee ($millions) | 8.3502% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7216% | 999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 50.5897% | 3,576 |
| Net loans and leases to deposits | 62.5577% | 3,269 |
| Net loans and leases to core deposits | 67.5831% | 3,095 |
| Total domestic deposits to total assets | 80.8689% | 4,083 |
| Equity capital to assets | 13.6146% | 765 |
| Core capital (leverage) ratio | 11.1095% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9863% | 792 |
| Memoranda: | ||
| Average total assets | $204,558,500 | 3,048 |
| Average earning assets | $188,865,500 | 3,062 |
| Average equity | $28,285,500 | 2,649 |
| Average total loans | $101,823,000 | 3,231 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7537% | 801 |
| Cost of funding earning assets | 0.7382% | 1,516 |
| Net interest margin | 4.0155% | 941 |
| Noninterest income to average assets | 0.0789% | 4,799 |
| Noninterest expense to average assets | 2.6963% | 2,250 |
| Loan and lease loss provision to assets | 0.1610% | 2,361 |
| Net operating income to assets | 0.6560% | 3,571 |
| Return on assets (ROA) | 0.6560% | 3,701 |
| Pretax return on assets | 0.9152% | 3,326 |
| Return on Equity (ROE) | 4.4949% | 4,029 |
| Retained earnings to average equity (ytd only) | 4.4949% | 2,533 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4485% | 2,458 |
| Assets per employee ($millions) | 7.7063% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9233% | 688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 47.0835% | 4,046 |
| Net loans and leases to deposits | 58.7033% | 3,850 |
| Net loans and leases to core deposits | 63.9935% | 3,693 |
| Total domestic deposits to total assets | 80.2059% | 4,015 |
| Equity capital to assets | 14.0495% | 783 |
| Core capital (leverage) ratio | 10.9355% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6080% | 618 |
| Memoranda: | ||
| Average total assets | $186,290,800 | 3,050 |
| Average earning assets | $171,359,600 | 3,059 |
| Average equity | $27,186,200 | 2,664 |
| Average total loans | $102,213,800 | 3,197 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1080% | 493 |
| Cost of funding earning assets | 0.8110% | 1,442 |
| Net interest margin | 4.2970% | 587 |
| Noninterest income to average assets | 0.0751% | 4,836 |
| Noninterest expense to average assets | 2.7378% | 2,152 |
| Loan and lease loss provision to assets | 0.2189% | 1,836 |
| Net operating income to assets | 0.7908% | 3,127 |
| Return on assets (ROA) | 0.7908% | 3,243 |
| Pretax return on assets | 1.0687% | 2,856 |
| Return on Equity (ROE) | 5.3638% | 3,765 |
| Retained earnings to average equity (ytd only) | 5.3638% | 2,397 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2113% | 2,881 |
| Assets per employee ($millions) | 8.4548% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8107% | 706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 49.4407% | 4,123 |
| Net loans and leases to deposits | 62.3996% | 3,905 |
| Net loans and leases to core deposits | 68.0128% | 3,758 |
| Total domestic deposits to total assets | 79.2323% | 4,020 |
| Equity capital to assets | 13.6357% | 962 |
| Core capital (leverage) ratio | 11.1453% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5862% | 616 |
| Memoranda: | ||
| Average total assets | $182,772,750 | 3,069 |
| Average earning assets | $168,018,250 | 3,078 |
| Average equity | $26,945,250 | 2,671 |
| Average total loans | $103,720,250 | 3,190 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7134% | 224 |
| Cost of funding earning assets | 0.9208% | 1,275 |
| Net interest margin | 4.7926% | 286 |
| Noninterest income to average assets | 0.0772% | 4,846 |
| Noninterest expense to average assets | 2.8661% | 1,923 |
| Loan and lease loss provision to assets | 0.2556% | 1,656 |
| Net operating income to assets | 1.0053% | 2,304 |
| Return on assets (ROA) | 1.0053% | 2,430 |
| Pretax return on assets | 1.3484% | 1,871 |
| Return on Equity (ROE) | 6.6282% | 3,278 |
| Retained earnings to average equity (ytd only) | 6.6282% | 1,814 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6188% | 3,463 |
| Assets per employee ($millions) | 8.5240% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 53.3234% | 3,934 |
| Net loans and leases to deposits | 67.9133% | 3,573 |
| Net loans and leases to core deposits | 74.2801% | 3,441 |
| Total domestic deposits to total assets | 78.5168% | 4,110 |
| Equity capital to assets | 13.9214% | 872 |
| Core capital (leverage) ratio | 11.7447% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6275% | 466 |
| Memoranda: | ||
| Average total assets | $176,058,333 | 3,111 |
| Average earning assets | $161,375,333 | 3,120 |
| Average equity | $26,704,000 | 2,673 |
| Average total loans | $104,236,000 | 3,175 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5906% | 308 |
| Cost of funding earning assets | 1.0514% | 1,213 |
| Net interest margin | 4.5392% | 459 |
| Noninterest income to average assets | 0.0747% | 4,912 |
| Noninterest expense to average assets | 3.1579% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7997% | 2,909 |
| Return on assets (ROA) | 0.7997% | 3,000 |
| Pretax return on assets | 1.0767% | 2,596 |
| Return on Equity (ROE) | 5.0285% | 3,620 |
| Retained earnings to average equity (ytd only) | 5.0285% | 2,267 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5677% | 2,415 |
| Assets per employee ($millions) | 7.4936% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 1,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 57.8940% | 3,677 |
| Net loans and leases to deposits | 71.7283% | 3,454 |
| Net loans and leases to core deposits | 79.3287% | 3,254 |
| Total domestic deposits to total assets | 80.7128% | 3,722 |
| Equity capital to assets | 15.4474% | 686 |
| Core capital (leverage) ratio | 13.0068% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7396% | 774 |
| Memoranda: | ||
| Average total assets | $166,062,000 | 3,169 |
| Average earning assets | $152,184,500 | 3,169 |
| Average equity | $26,409,500 | 2,685 |
| Average total loans | $103,196,000 | 3,181 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2915% | 144 |
| Cost of funding earning assets | 1.2573% | 870 |
| Net interest margin | 5.0342% | 250 |
| Noninterest income to average assets | 0.4239% | 3,150 |
| Noninterest expense to average assets | 2.9711% | 2,093 |
| Loan and lease loss provision to assets | 0.8188% | 124 |
| Net operating income to assets | 0.9095% | 3,168 |
| Return on assets (ROA) | 0.9095% | 3,258 |
| Pretax return on assets | 1.2188% | 2,774 |
| Return on Equity (ROE) | 5.6378% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.6378% | 2,072 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8793% | 4,331 |
| Assets per employee ($millions) | 6.9466% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 1,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 64.7865% | 3,099 |
| Net loans and leases to deposits | 81.3604% | 2,634 |
| Net loans and leases to core deposits | 90.8126% | 2,346 |
| Total domestic deposits to total assets | 79.6290% | 4,051 |
| Equity capital to assets | 16.3953% | 541 |
| Core capital (leverage) ratio | 13.1488% | 1,174 |
| Tier 1 risk-based capital ratio | 18.7566% | 1,572 |
| Total risk-based capital ratio | 20.0089% | 1,540 |
| Memoranda: | ||
| Average total assets | $158,765,000 | 3,214 |
| Average earning assets | $144,591,400 | 3,224 |
| Average equity | $25,613,000 | 2,668 |
| Average total loans | $103,494,800 | 3,180 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3344% | 142 |
| Cost of funding earning assets | 1.2898% | 811 |
| Net interest margin | 5.0446% | 264 |
| Noninterest income to average assets | 0.5476% | 2,472 |
| Noninterest expense to average assets | 2.7059% | 2,860 |
| Loan and lease loss provision to assets | 0.9673% | 97 |
| Net operating income to assets | 1.0918% | 2,602 |
| Return on assets (ROA) | 1.0918% | 2,695 |
| Pretax return on assets | 1.4602% | 2,077 |
| Return on Equity (ROE) | 6.7954% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.7954% | 1,954 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3697% | 4,829 |
| Assets per employee ($millions) | 7.8884% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 2,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.4581% | 2,720 |
| Net loans and leases to deposits | 83.9056% | 2,469 |
| Net loans and leases to core deposits | 93.0412% | 2,264 |
| Total domestic deposits to total assets | 81.5894% | 3,590 |
| Equity capital to assets | 16.5648% | 547 |
| Core capital (leverage) ratio | 13.3445% | 1,194 |
| Tier 1 risk-based capital ratio | 18.1509% | 1,772 |
| Total risk-based capital ratio | 19.4008% | 1,732 |
| Memoranda: | ||
| Average total assets | $158,513,500 | 3,245 |
| Average earning assets | $144,098,000 | 3,262 |
| Average equity | $25,467,500 | 2,690 |
| Average total loans | $103,103,500 | 3,223 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3092% | 148 |
| Cost of funding earning assets | 1.3164% | 703 |
| Net interest margin | 4.9928% | 294 |
| Noninterest income to average assets | 0.5316% | 2,493 |
| Noninterest expense to average assets | 2.3671% | 3,825 |
| Loan and lease loss provision to assets | 1.2597% | 72 |
| Net operating income to assets | 1.0897% | 2,565 |
| Return on assets (ROA) | 1.0897% | 2,631 |
| Pretax return on assets | 1.4487% | 2,036 |
| Return on Equity (ROE) | 6.8528% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.8528% | 1,878 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6369% | 4,962 |
| Assets per employee ($millions) | 9.7038% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 2,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 70.3074% | 2,485 |
| Net loans and leases to deposits | 85.1495% | 2,355 |
| Net loans and leases to core deposits | 95.5633% | 2,115 |
| Total domestic deposits to total assets | 82.5694% | 3,348 |
| Equity capital to assets | 16.5528% | 525 |
| Core capital (leverage) ratio | 12.9584% | 1,312 |
| Tier 1 risk-based capital ratio | 16.6416% | 2,191 |
| Total risk-based capital ratio | 17.7112% | 2,197 |
| Memoranda: | ||
| Average total assets | $158,762,000 | 3,260 |
| Average earning assets | $144,486,670 | 3,278 |
| Average equity | $25,245,330 | 2,696 |
| Average total loans | $101,003,000 | 3,274 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9422% | 240 |
| Cost of funding earning assets | 1.2924% | 672 |
| Net interest margin | 4.6498% | 551 |
| Noninterest income to average assets | 1.1239% | 645 |
| Noninterest expense to average assets | 2.3151% | 3,977 |
| Loan and lease loss provision to assets | 1.8690% | 40 |
| Net operating income to assets | 0.8921% | 3,260 |
| Return on assets (ROA) | 0.8921% | 3,314 |
| Pretax return on assets | 1.1538% | 2,967 |
| Return on Equity (ROE) | 5.7239% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.7239% | 2,582 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3707% | 5,120 |
| Assets per employee ($millions) | 9.3791% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 3,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 63.4871% | 3,350 |
| Net loans and leases to deposits | 76.4959% | 3,216 |
| Net loans and leases to core deposits | 83.6857% | 3,047 |
| Total domestic deposits to total assets | 82.9941% | 3,388 |
| Equity capital to assets | 15.8249% | 603 |
| Core capital (leverage) ratio | 12.2326% | 1,641 |
| Tier 1 risk-based capital ratio | 18.4226% | 1,680 |
| Total risk-based capital ratio | 19.3998% | 1,713 |
| Memoranda: | ||
| Average total assets | $160,512,500 | 3,291 |
| Average earning assets | $145,468,500 | 3,306 |
| Average equity | $25,018,000 | 2,713 |
| Average total loans | $96,299,500 | 3,377 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6701% | 5,384 |
| Cost of funding earning assets | 0.3741% | 4,135 |
| Net interest margin | 1.2960% | 5,380 |
| Noninterest income to average assets | -0.0472% | 5,366 |
| Noninterest expense to average assets | 0.6339% | 5,382 |
| Loan and lease loss provision to assets | 0.1902% | 1,005 |
| Net operating income to assets | 0.2100% | 5,097 |
| Return on assets (ROA) | 0.2100% | 5,094 |
| Pretax return on assets | 0.3257% | 5,024 |
| Return on Equity (ROE) | 1.6280% | 5,089 |
| Retained earnings to average equity (ytd only) | 1.6280% | 4,490 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1291% | 4,504 |
| Assets per employee ($millions) | 9.5047% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2766% | 5,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 55.7755% | 4,151 |
| Net loans and leases to deposits | 66.6558% | 4,069 |
| Net loans and leases to core deposits | 70.9700% | 4,058 |
| Total domestic deposits to total assets | 83.6768% | 3,091 |
| Equity capital to assets | 15.3509% | 636 |
| Core capital (leverage) ratio | 11.8459% | 1,834 |
| Tier 1 risk-based capital ratio | 19.2714% | 1,460 |
| Total risk-based capital ratio | 19.5333% | 1,624 |
| Memoranda: | ||
| Average total assets | $131,414,600 | 3,633 |
| Average earning assets | $121,371,200 | 3,623 |
| Average equity | $16,953,000 | 3,397 |
| Average total loans | $95,592,600 | 3,373 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7637% | 68 |
| Cost of funding earning assets | 0.8164% | 1,255 |
| Net interest margin | 5.9473% | 75 |
| Noninterest income to average assets | 0.1033% | 5,204 |
| Noninterest expense to average assets | 2.9546% | 2,153 |
| Loan and lease loss provision to assets | 0.2788% | 544 |
| Net operating income to assets | 1.7297% | 702 |
| Return on assets (ROA) | 1.7297% | 709 |
| Pretax return on assets | 2.3981% | 281 |
| Return on Equity (ROE) | 14.2934% | 1,037 |
| Retained earnings to average equity (ytd only) | 14.2934% | 223 |
| Net charge-offs to loans | 0.3467% | 477 |
| Credit loss provision to net charge-offs | 102.7778% | 2,219 |
| Earnings coverage of net charge-offs (x) | 9.8691% | 2,619 |
| Efficiency ratio | 52.4656% | 4,761 |
| Assets per employee ($millions) | 9.1443% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 1,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 64.3358% | 3,386 |
| Net loans and leases to deposits | 72.5744% | 3,723 |
| Net loans and leases to core deposits | 76.1297% | 3,794 |
| Total domestic deposits to total assets | 88.6480% | 976 |
| Equity capital to assets | 11.0089% | 2,658 |
| Core capital (leverage) ratio | 11.3512% | 2,288 |
| Tier 1 risk-based capital ratio | 16.6481% | 2,222 |
| Total risk-based capital ratio | 17.8997% | 2,170 |
| Memoranda: | ||
| Average total assets | $123,873,250 | 3,767 |
| Average earning assets | $115,141,250 | 3,766 |
| Average equity | $14,990,250 | 3,666 |
| Average total loans | $96,897,750 | 3,390 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0317% | 63 |
| Cost of funding earning assets | 0.6738% | 1,780 |
| Net interest margin | 6.3579% | 56 |
| Noninterest income to average assets | 0.1100% | 5,235 |
| Noninterest expense to average assets | 3.0448% | 1,923 |
| Loan and lease loss provision to assets | 0.4450% | 260 |
| Net operating income to assets | 1.7595% | 635 |
| Return on assets (ROA) | 1.7595% | 640 |
| Pretax return on assets | 2.5053% | 225 |
| Return on Equity (ROE) | 14.0101% | 1,072 |
| Retained earnings to average equity (ytd only) | 14.0101% | 280 |
| Net charge-offs to loans | 0.5176% | 288 |
| Credit loss provision to net charge-offs | 102.7778% | 1,977 |
| Earnings coverage of net charge-offs (x) | 6.8135% | 2,589 |
| Efficiency ratio | 50.7882% | 4,975 |
| Assets per employee ($millions) | 7.4396% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 1,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 84.8631% | 371 |
| Net loans and leases to deposits | 98.0281% | 965 |
| Net loans and leases to core deposits | 104.5487% | 1,348 |
| Total domestic deposits to total assets | 86.5702% | 2,027 |
| Equity capital to assets | 13.0383% | 1,278 |
| Core capital (leverage) ratio | 13.3078% | 1,132 |
| Tier 1 risk-based capital ratio | 16.4103% | 2,287 |
| Total risk-based capital ratio | 17.6632% | 2,230 |
| Memoranda: | ||
| Average total assets | $116,394,670 | 3,920 |
| Average earning assets | $107,740,000 | 3,917 |
| Average equity | $14,618,000 | 3,728 |
| Average total loans | $97,363,670 | 3,386 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7358% | 69 |
| Cost of funding earning assets | 0.6431% | 1,761 |
| Net interest margin | 6.0927% | 64 |
| Noninterest income to average assets | 0.1217% | 5,246 |
| Noninterest expense to average assets | 3.0276% | 1,997 |
| Loan and lease loss provision to assets | 0.4241% | 257 |
| Net operating income to assets | 1.6476% | 766 |
| Return on assets (ROA) | 1.6476% | 770 |
| Pretax return on assets | 2.3011% | 319 |
| Return on Equity (ROE) | 13.3832% | 1,165 |
| Retained earnings to average equity (ytd only) | 13.3832% | 471 |
| Net charge-offs to loans | 1.0627% | 132 |
| Credit loss provision to net charge-offs | 48.4127% | 1,963 |
| Earnings coverage of net charge-offs (x) | 3.1111% | 2,412 |
| Efficiency ratio | 52.6284% | 4,919 |
| Assets per employee ($millions) | 7.3558% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 2,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.8091% | 1,116 |
| Net loans and leases to deposits | 90.2441% | 1,660 |
| Net loans and leases to core deposits | 96.0514% | 1,969 |
| Total domestic deposits to total assets | 87.3288% | 1,991 |
| Equity capital to assets | 12.2676% | 1,625 |
| Core capital (leverage) ratio | 12.2044% | 1,527 |
| Tier 1 risk-based capital ratio | 15.9652% | 2,491 |
| Total risk-based capital ratio | 17.2170% | 2,430 |
| Memoranda: | ||
| Average total assets | $115,075,000 | 3,978 |
| Average earning assets | $106,356,500 | 3,984 |
| Average equity | $14,167,000 | 3,806 |
| Average total loans | $94,851,500 | 3,448 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3082% | 96 |
| Cost of funding earning assets | 0.5787% | 1,751 |
| Net interest margin | 5.7296% | 85 |
| Noninterest income to average assets | 0.1289% | 5,299 |
| Noninterest expense to average assets | 3.0793% | 1,922 |
| Loan and lease loss provision to assets | 0.2380% | 808 |
| Net operating income to assets | 1.0957% | 1,868 |
| Return on assets (ROA) | 1.0957% | 1,890 |
| Pretax return on assets | 2.0823% | 404 |
| Return on Equity (ROE) | 8.9442% | 2,345 |
| Retained earnings to average equity (ytd only) | 8.9442% | 523 |
| Net charge-offs to loans | 0.1087% | 1,981 |
| Credit loss provision to net charge-offs | 275.0000% | 1,015 |
| Earnings coverage of net charge-offs (x) | 26.8152% | 1,656 |
| Efficiency ratio | 57.0284% | 4,653 |
| Assets per employee ($millions) | 7.0286% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 1,668 |
| Loan loss allowance to noncurrent loans | 541.2698% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 4,020 |
| Noncurrent loans to loans | 0.2633% | 3,841 |
| Net loans and leases to total assets | 83.9007% | 459 |
| Net loans and leases to deposits | 95.9926% | 1,091 |
| Net loans and leases to core deposits | 102.0827% | 1,548 |
| Total domestic deposits to total assets | 87.4033% | 1,812 |
| Equity capital to assets | 12.3566% | 1,599 |
| Core capital (leverage) ratio | 12.6668% | 1,277 |
| Tier 1 risk-based capital ratio | 15.2660% | 2,718 |
| Total risk-based capital ratio | 16.5184% | 2,650 |
| Memoranda: | ||
| Average total assets | $106,323,000 | 4,125 |
| Average earning assets | $97,808,600 | 4,138 |
| Average equity | $13,025,200 | 3,980 |
| Average total loans | $84,622,200 | 3,644 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2618% | 95 |
| Cost of funding earning assets | 0.5835% | 1,656 |
| Net interest margin | 5.6783% | 84 |
| Noninterest income to average assets | 0.1349% | 5,334 |
| Noninterest expense to average assets | 3.0689% | 1,894 |
| Loan and lease loss provision to assets | 0.1896% | 1,030 |
| Net operating income to assets | 1.2685% | 1,438 |
| Return on assets (ROA) | 1.2685% | 1,468 |
| Pretax return on assets | 2.0892% | 457 |
| Return on Equity (ROE) | 10.3791% | 1,957 |
| Retained earnings to average equity (ytd only) | 10.3791% | 512 |
| Net charge-offs to loans | 0.1499% | 1,344 |
| Credit loss provision to net charge-offs | 161.9565% | 1,585 |
| Earnings coverage of net charge-offs (x) | 19.4680% | 2,000 |
| Efficiency ratio | 57.3876% | 4,576 |
| Assets per employee ($millions) | 6.9958% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 1,632 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 4,097 |
| Noncurrent loans to loans | 0.2946% | 3,882 |
| Net loans and leases to total assets | 80.3110% | 940 |
| Net loans and leases to deposits | 92.3968% | 1,512 |
| Net loans and leases to core deposits | 98.7798% | 1,819 |
| Total domestic deposits to total assets | 86.9198% | 1,896 |
| Equity capital to assets | 12.7019% | 1,541 |
| Core capital (leverage) ratio | 12.0967% | 1,628 |
| Tier 1 risk-based capital ratio | 16.0073% | 2,499 |
| Total risk-based capital ratio | 17.2611% | 2,439 |
| Memoranda: | ||
| Average total assets | $104,789,250 | 4,198 |
| Average earning assets | $96,199,250 | 4,201 |
| Average equity | $12,807,500 | 4,050 |
| Average total loans | $81,848,500 | 3,732 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0136% | 123 |
| Cost of funding earning assets | 0.5857% | 1,538 |
| Net interest margin | 5.4279% | 115 |
| Noninterest income to average assets | 0.1547% | 5,286 |
| Noninterest expense to average assets | 3.0323% | 2,039 |
| Loan and lease loss provision to assets | 0.2482% | 672 |
| Net operating income to assets | 1.0884% | 2,036 |
| Return on assets (ROA) | 1.0884% | 2,090 |
| Pretax return on assets | 1.8465% | 752 |
| Return on Equity (ROE) | 9.0235% | 2,498 |
| Retained earnings to average equity (ytd only) | 9.0235% | 833 |
| Net charge-offs to loans | 0.2307% | 886 |
| Credit loss provision to net charge-offs | 139.7849% | 1,602 |
| Earnings coverage of net charge-offs (x) | 11.7957% | 2,241 |
| Efficiency ratio | 59.1434% | 4,448 |
| Assets per employee ($millions) | 7.5809% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 1,680 |
| Loan loss allowance to noncurrent loans | 492.0635% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 4,269 |
| Noncurrent loans to loans | 0.2989% | 3,970 |
| Net loans and leases to total assets | 73.0403% | 2,035 |
| Net loans and leases to deposits | 82.5978% | 2,641 |
| Net loans and leases to core deposits | 86.7472% | 2,814 |
| Total domestic deposits to total assets | 88.4289% | 1,243 |
| Equity capital to assets | 11.3469% | 2,459 |
| Core capital (leverage) ratio | 12.0338% | 1,618 |
| Tier 1 risk-based capital ratio | 15.3066% | 2,798 |
| Total risk-based capital ratio | 16.5593% | 2,730 |
| Memoranda: | ||
| Average total assets | $104,740,000 | 4,234 |
| Average earning assets | $95,949,000 | 4,236 |
| Average equity | $12,633,670 | 4,093 |
| Average total loans | $80,619,330 | 3,780 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1763% | 104 |
| Cost of funding earning assets | 0.6084% | 1,314 |
| Net interest margin | 5.5678% | 101 |
| Noninterest income to average assets | 0.1476% | 5,378 |
| Noninterest expense to average assets | 3.0563% | 1,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3446% | 1,124 |
| Return on assets (ROA) | 1.3446% | 1,161 |
| Pretax return on assets | 2.1665% | 372 |
| Return on Equity (ROE) | 10.7849% | 1,647 |
| Retained earnings to average equity (ytd only) | 10.7849% | 649 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5180% | 4,655 |
| Assets per employee ($millions) | 8.5256% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 1,681 |
| Loan loss allowance to noncurrent loans | 477.3810% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 4,231 |
| Noncurrent loans to loans | 0.3149% | 3,993 |
| Net loans and leases to total assets | 77.0456% | 1,259 |
| Net loans and leases to deposits | 88.4271% | 1,739 |
| Net loans and leases to core deposits | 92.9571% | 2,070 |
| Total domestic deposits to total assets | 87.1289% | 2,146 |
| Equity capital to assets | 12.3833% | 1,610 |
| Core capital (leverage) ratio | 12.6454% | 1,270 |
| Tier 1 risk-based capital ratio | 16.2093% | 2,470 |
| Total risk-based capital ratio | 17.4631% | 2,409 |
| Memoranda: | ||
| Average total assets | $100,253,000 | 4,344 |
| Average earning assets | $91,382,000 | 4,361 |
| Average equity | $12,499,000 | 4,136 |
| Average total loans | $78,780,500 | 3,838 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2594% | 87 |
| Cost of funding earning assets | 0.6165% | 1,229 |
| Net interest margin | 5.6429% | 91 |
| Noninterest income to average assets | 0.1283% | 5,544 |
| Noninterest expense to average assets | 3.2149% | 1,756 |
| Loan and lease loss provision to assets | 0.2341% | 924 |
| Net operating income to assets | 1.0516% | 2,133 |
| Return on assets (ROA) | 1.0516% | 2,233 |
| Pretax return on assets | 1.7947% | 813 |
| Return on Equity (ROE) | 8.7782% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.7782% | 635 |
| Net charge-offs to loans | -0.0050% | 4,807 |
| Credit loss provision to net charge-offs | -5,750.0000% | 5,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3085% | 4,372 |
| Assets per employee ($millions) | 7.0142% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,503 |
| Loan loss allowance to noncurrent loans | 475.4941% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 4,271 |
| Noncurrent loans to loans | 0.3263% | 3,973 |
| Net loans and leases to total assets | 77.7320% | 1,242 |
| Net loans and leases to deposits | 89.1791% | 1,784 |
| Net loans and leases to core deposits | 94.0779% | 2,101 |
| Total domestic deposits to total assets | 87.1638% | 2,049 |
| Equity capital to assets | 12.5551% | 1,486 |
| Core capital (leverage) ratio | 11.7976% | 1,725 |
| Tier 1 risk-based capital ratio | 16.5688% | 2,322 |
| Total risk-based capital ratio | 17.8227% | 2,257 |
| Memoranda: | ||
| Average total assets | $98,231,200 | 4,380 |
| Average earning assets | $89,049,800 | 4,408 |
| Average equity | $11,767,800 | 4,281 |
| Average total loans | $79,331,600 | 3,813 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2652% | 89 |
| Cost of funding earning assets | 0.6015% | 1,314 |
| Net interest margin | 5.6638% | 88 |
| Noninterest income to average assets | 0.1289% | 5,605 |
| Noninterest expense to average assets | 3.2505% | 1,679 |
| Loan and lease loss provision to assets | 0.3135% | 533 |
| Net operating income to assets | 0.9514% | 2,646 |
| Return on assets (ROA) | 0.9514% | 2,789 |
| Pretax return on assets | 1.6897% | 1,142 |
| Return on Equity (ROE) | 8.0382% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.0382% | 1,152 |
| Net charge-offs to loans | -0.0067% | 4,674 |
| Credit loss provision to net charge-offs | -5,775.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8703% | 4,256 |
| Assets per employee ($millions) | 6.9675% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4787% | 1,843 |
| Loan loss allowance to noncurrent loans | 476.9841% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 4,475 |
| Noncurrent loans to loans | 0.3100% | 4,140 |
| Net loans and leases to total assets | 76.6278% | 1,418 |
| Net loans and leases to deposits | 86.8442% | 2,163 |
| Net loans and leases to core deposits | 91.2380% | 2,458 |
| Total domestic deposits to total assets | 88.2359% | 1,277 |
| Equity capital to assets | 11.4799% | 2,529 |
| Core capital (leverage) ratio | 11.4999% | 2,030 |
| Tier 1 risk-based capital ratio | 15.0258% | 3,039 |
| Total risk-based capital ratio | 16.2793% | 2,971 |
| Memoranda: | ||
| Average total assets | $98,239,250 | 4,411 |
| Average earning assets | $88,890,250 | 4,453 |
| Average equity | $11,627,500 | 4,350 |
| Average total loans | $79,780,750 | 3,829 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1758% | 106 |
| Cost of funding earning assets | 0.5731% | 1,524 |
| Net interest margin | 5.6027% | 99 |
| Noninterest income to average assets | 0.1331% | 5,647 |
| Noninterest expense to average assets | 3.2762% | 1,640 |
| Loan and lease loss provision to assets | 0.3016% | 593 |
| Net operating income to assets | 0.9361% | 2,700 |
| Return on assets (ROA) | 0.9361% | 2,832 |
| Pretax return on assets | 1.6391% | 1,259 |
| Return on Equity (ROE) | 7.8234% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.8234% | 1,233 |
| Net charge-offs to loans | -0.0050% | 4,524 |
| Credit loss provision to net charge-offs | -7,250.0000% | 5,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7990% | 4,205 |
| Assets per employee ($millions) | 6.7001% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 2,810 |
| Loan loss allowance to noncurrent loans | 442.0635% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 4,493 |
| Noncurrent loans to loans | 0.2932% | 4,319 |
| Net loans and leases to total assets | 84.4051% | 388 |
| Net loans and leases to deposits | 95.8454% | 1,096 |
| Net loans and leases to core deposits | 100.3051% | 1,609 |
| Total domestic deposits to total assets | 88.0638% | 1,401 |
| Equity capital to assets | 11.6874% | 2,371 |
| Core capital (leverage) ratio | 11.9292% | 1,685 |
| Tier 1 risk-based capital ratio | 14.5969% | 3,261 |
| Total risk-based capital ratio | 15.8483% | 3,196 |
| Memoranda: | ||
| Average total assets | $96,148,000 | 4,497 |
| Average earning assets | $87,243,330 | 4,520 |
| Average equity | $11,504,000 | 4,396 |
| Average total loans | $79,278,330 | 3,861 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0665% | 114 |
| Cost of funding earning assets | 0.5617% | 1,608 |
| Net interest margin | 5.5048% | 116 |
| Noninterest income to average assets | 0.1234% | 5,724 |
| Noninterest expense to average assets | 3.4393% | 1,296 |
| Loan and lease loss provision to assets | 0.2043% | 962 |
| Net operating income to assets | 0.8386% | 3,038 |
| Return on assets (ROA) | 0.8386% | 3,175 |
| Pretax return on assets | 1.4856% | 1,642 |
| Return on Equity (ROE) | 6.9226% | 3,494 |
| Retained earnings to average equity (ytd only) | 6.9226% | 1,920 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0539% | 3,625 |
| Assets per employee ($millions) | 6.3911% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 2,876 |
| Loan loss allowance to noncurrent loans | 402.3810% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 4,507 |
| Noncurrent loans to loans | 0.3240% | 4,274 |
| Net loans and leases to total assets | 80.0630% | 801 |
| Net loans and leases to deposits | 91.4457% | 1,411 |
| Net loans and leases to core deposits | 94.6774% | 1,917 |
| Total domestic deposits to total assets | 87.5525% | 1,893 |
| Equity capital to assets | 11.9812% | 2,040 |
| Core capital (leverage) ratio | 11.9133% | 1,668 |
| Tier 1 risk-based capital ratio | 15.2134% | 3,054 |
| Total risk-based capital ratio | 16.4651% | 2,991 |
| Memoranda: | ||
| Average total assets | $93,971,500 | 4,577 |
| Average earning assets | $85,452,500 | 4,588 |
| Average equity | $11,383,000 | 4,431 |
| Average total loans | $75,946,500 | 3,967 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2248% | 103 |
| Cost of funding earning assets | 0.5502% | 1,754 |
| Net interest margin | 5.6746% | 98 |
| Noninterest income to average assets | 0.1316% | 5,757 |
| Noninterest expense to average assets | 3.3747% | 1,536 |
| Loan and lease loss provision to assets | 0.2171% | 954 |
| Net operating income to assets | 1.1069% | 1,891 |
| Return on assets (ROA) | 1.1069% | 1,957 |
| Pretax return on assets | 1.6682% | 1,066 |
| Return on Equity (ROE) | 9.1211% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.1211% | 626 |
| Net charge-offs to loans | -0.0044% | 4,950 |
| Credit loss provision to net charge-offs | -6,433.3333% | 5,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1574% | 4,226 |
| Assets per employee ($millions) | 5.7548% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.4539% | 927 |
| Net loans and leases to deposits | 90.9247% | 1,514 |
| Net loans and leases to core deposits | 93.4282% | 2,095 |
| Total domestic deposits to total assets | 87.3843% | 1,938 |
| Equity capital to assets | 12.2507% | 1,777 |
| Core capital (leverage) ratio | 11.9918% | 1,621 |
| Tier 1 risk-based capital ratio | 15.5297% | 2,913 |
| Total risk-based capital ratio | 16.7798% | 2,852 |
| Memoranda: | ||
| Average total assets | $88,897,800 | 4,697 |
| Average earning assets | $80,340,000 | 4,707 |
| Average equity | $10,788,200 | 4,527 |
| Average total loans | $68,636,800 | 4,130 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2178% | 105 |
| Cost of funding earning assets | 0.5450% | 1,843 |
| Net interest margin | 5.6728% | 96 |
| Noninterest income to average assets | 0.1286% | 5,832 |
| Noninterest expense to average assets | 3.3853% | 1,499 |
| Loan and lease loss provision to assets | 0.2921% | 512 |
| Net operating income to assets | 1.1017% | 1,993 |
| Return on assets (ROA) | 1.1017% | 2,078 |
| Pretax return on assets | 1.5708% | 1,472 |
| Return on Equity (ROE) | 9.1010% | 2,530 |
| Retained earnings to average equity (ytd only) | 9.1010% | 870 |
| Net charge-offs to loans | -0.0040% | 4,794 |
| Credit loss provision to net charge-offs | -9,650.0000% | 5,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5040% | 4,157 |
| Assets per employee ($millions) | 5.8059% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 3,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.5594% | 1,012 |
| Net loans and leases to deposits | 89.4129% | 1,720 |
| Net loans and leases to core deposits | 91.5451% | 2,310 |
| Total domestic deposits to total assets | 87.8614% | 1,633 |
| Equity capital to assets | 11.8630% | 2,205 |
| Core capital (leverage) ratio | 11.8868% | 1,752 |
| Tier 1 risk-based capital ratio | 15.4443% | 3,075 |
| Total risk-based capital ratio | 16.6959% | 3,003 |
| Memoranda: | ||
| Average total assets | $88,103,250 | 4,765 |
| Average earning assets | $79,511,500 | 4,790 |
| Average equity | $10,665,250 | 4,592 |
| Average total loans | $67,264,750 | 4,196 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1873% | 107 |
| Cost of funding earning assets | 0.5323% | 1,964 |
| Net interest margin | 5.6550% | 97 |
| Noninterest income to average assets | 0.1295% | 5,904 |
| Noninterest expense to average assets | 3.4841% | 1,325 |
| Loan and lease loss provision to assets | 0.4347% | 250 |
| Net operating income to assets | 0.8554% | 3,107 |
| Return on assets (ROA) | 0.8554% | 3,210 |
| Pretax return on assets | 1.2947% | 2,383 |
| Return on Equity (ROE) | 7.0162% | 3,595 |
| Retained earnings to average equity (ytd only) | 7.0162% | 1,700 |
| Net charge-offs to loans | -0.0031% | 4,646 |
| Credit loss provision to net charge-offs | -18,800.0000% | 5,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8293% | 3,862 |
| Assets per employee ($millions) | 5.5621% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 3,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 81.6244% | 591 |
| Net loans and leases to deposits | 93.2083% | 1,231 |
| Net loans and leases to core deposits | 95.5337% | 1,841 |
| Total domestic deposits to total assets | 87.5721% | 1,865 |
| Equity capital to assets | 12.0841% | 1,960 |
| Core capital (leverage) ratio | 12.3172% | 1,475 |
| Tier 1 risk-based capital ratio | 15.5514% | 3,075 |
| Total risk-based capital ratio | 16.8038% | 3,018 |
| Memoranda: | ||
| Average total assets | $86,506,330 | 4,844 |
| Average earning assets | $77,772,330 | 4,873 |
| Average equity | $10,547,000 | 4,642 |
| Average total loans | $65,038,670 | 4,313 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8236% | 164 |
| Cost of funding earning assets | 0.5275% | 2,030 |
| Net interest margin | 5.2961% | 158 |
| Noninterest income to average assets | 0.1314% | 5,943 |
| Noninterest expense to average assets | 3.5279% | 1,251 |
| Loan and lease loss provision to assets | 0.2721% | 572 |
| Net operating income to assets | 0.7131% | 3,739 |
| Return on assets (ROA) | 0.7131% | 3,862 |
| Pretax return on assets | 1.0884% | 3,132 |
| Return on Equity (ROE) | 5.8218% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.8218% | 2,596 |
| Net charge-offs to loans | -0.0066% | 4,574 |
| Credit loss provision to net charge-offs | -5,800.0000% | 5,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1689% | 3,145 |
| Assets per employee ($millions) | 5.4366% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 3,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 73.1072% | 1,637 |
| Net loans and leases to deposits | 83.5771% | 2,133 |
| Net loans and leases to core deposits | 85.7106% | 2,584 |
| Total domestic deposits to total assets | 87.4727% | 2,122 |
| Equity capital to assets | 12.0985% | 1,957 |
| Core capital (leverage) ratio | 12.6265% | 1,306 |
| Tier 1 risk-based capital ratio | 16.0157% | 2,912 |
| Total risk-based capital ratio | 16.0157% | 3,496 |
| Memoranda: | ||
| Average total assets | $85,263,000 | 4,913 |
| Average earning assets | $76,584,500 | 4,950 |
| Average equity | $10,443,500 | 4,699 |
| Average total loans | $60,758,000 | 4,475 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1231% | 135 |
| Cost of funding earning assets | 0.6520% | 1,388 |
| Net interest margin | 5.4711% | 137 |
| Noninterest income to average assets | 0.1409% | 5,994 |
| Noninterest expense to average assets | 3.7041% | 1,141 |
| Loan and lease loss provision to assets | 0.0168% | 4,271 |
| Net operating income to assets | 1.5690% | 757 |
| Return on assets (ROA) | 1.5690% | 790 |
| Pretax return on assets | 1.2459% | 2,461 |
| Return on Equity (ROE) | 12.4753% | 1,269 |
| Retained earnings to average equity (ytd only) | 12.4753% | 262 |
| Net charge-offs to loans | 0.0163% | 4,541 |
| Credit loss provision to net charge-offs | 144.4444% | 1,651 |
| Earnings coverage of net charge-offs (x) | 108.5556% | 487 |
| Efficiency ratio | 74.4731% | 2,755 |
| Assets per employee ($millions) | 5.2213% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 3,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 67.4192% | 2,663 |
| Net loans and leases to deposits | 77.2667% | 3,051 |
| Net loans and leases to core deposits | 79.3256% | 3,373 |
| Total domestic deposits to total assets | 87.2552% | 2,145 |
| Equity capital to assets | 12.4048% | 1,703 |
| Core capital (leverage) ratio | 12.6641% | 1,276 |
| Tier 1 risk-based capital ratio | 16.8518% | 2,576 |
| Total risk-based capital ratio | 18.1023% | 2,519 |
| Memoranda: | ||
| Average total assets | $77,374,000 | 5,121 |
| Average earning assets | $68,249,400 | 5,162 |
| Average equity | $9,731,200 | 4,806 |
| Average total loans | $55,156,600 | 4,643 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2610% | 118 |
| Cost of funding earning assets | 0.6705% | 1,316 |
| Net interest margin | 5.5906% | 122 |
| Noninterest income to average assets | 0.1407% | 6,074 |
| Noninterest expense to average assets | 3.7468% | 1,044 |
| Loan and lease loss provision to assets | 0.0229% | 3,950 |
| Net operating income to assets | 1.6281% | 701 |
| Return on assets (ROA) | 1.6281% | 729 |
| Pretax return on assets | 1.2677% | 2,500 |
| Return on Equity (ROE) | 12.8968% | 1,241 |
| Retained earnings to average equity (ytd only) | 12.8968% | 334 |
| Net charge-offs to loans | 0.0219% | 4,077 |
| Credit loss provision to net charge-offs | 144.4444% | 1,632 |
| Earnings coverage of net charge-offs (x) | 81.5533% | 692 |
| Efficiency ratio | 74.3805% | 2,762 |
| Assets per employee ($millions) | 5.0288% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 3,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 72.7731% | 1,720 |
| Net loans and leases to deposits | 83.4531% | 2,231 |
| Net loans and leases to core deposits | 85.4491% | 2,723 |
| Total domestic deposits to total assets | 87.2025% | 2,196 |
| Equity capital to assets | 12.5092% | 1,697 |
| Core capital (leverage) ratio | 12.3335% | 1,493 |
| Tier 1 risk-based capital ratio | 15.8699% | 3,115 |
| Total risk-based capital ratio | 17.0824% | 3,081 |
| Memoranda: | ||
| Average total assets | $75,832,500 | 5,212 |
| Average earning assets | $66,419,750 | 5,273 |
| Average equity | $9,573,250 | 4,881 |
| Average total loans | $54,672,500 | 4,703 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2229% | 114 |
| Cost of funding earning assets | 0.6698% | 1,377 |
| Net interest margin | 5.5530% | 124 |
| Noninterest income to average assets | 0.1400% | 6,124 |
| Noninterest expense to average assets | 3.7098% | 1,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6772% | 603 |
| Return on assets (ROA) | 1.6772% | 641 |
| Pretax return on assets | 1.2734% | 2,357 |
| Return on Equity (ROE) | 13.2422% | 1,115 |
| Retained earnings to average equity (ytd only) | 13.2422% | 320 |
| Net charge-offs to loans | 0.0414% | 3,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,003 |
| Efficiency ratio | 74.4462% | 2,902 |
| Assets per employee ($millions) | 5.1919% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 3,865 |
| 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 | 73.8774% | 1,460 |
| Net loans and leases to deposits | 84.6875% | 1,966 |
| Net loans and leases to core deposits | 86.1277% | 2,502 |
| Total domestic deposits to total assets | 87.2353% | 2,334 |
| Equity capital to assets | 12.5194% | 1,630 |
| Core capital (leverage) ratio | 12.7726% | 1,251 |
| Tier 1 risk-based capital ratio | 15.6586% | 3,265 |
| Total risk-based capital ratio | 16.8728% | 3,231 |
| Memoranda: | ||
| Average total assets | $74,289,670 | 5,286 |
| Average earning assets | $64,793,330 | 5,359 |
| Average equity | $9,409,330 | 4,933 |
| Average total loans | $53,121,670 | 4,785 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9037% | 164 |
| Cost of funding earning assets | 0.6594% | 1,519 |
| Net interest margin | 5.2442% | 169 |
| Noninterest income to average assets | 0.1324% | 6,184 |
| Noninterest expense to average assets | 3.7630% | 1,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4346% | 927 |
| Return on assets (ROA) | 1.4346% | 964 |
| Pretax return on assets | 1.0208% | 3,248 |
| Return on Equity (ROE) | 11.2566% | 1,613 |
| Retained earnings to average equity (ytd only) | 11.2566% | 711 |
| Net charge-offs to loans | 0.0791% | 2,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,413 |
| Efficiency ratio | 78.6621% | 2,379 |
| Assets per employee ($millions) | 5.2529% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 3,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 71.7242% | 1,618 |
| Net loans and leases to deposits | 82.5317% | 2,003 |
| Net loans and leases to core deposits | 84.0239% | 2,506 |
| Total domestic deposits to total assets | 86.9051% | 2,867 |
| Equity capital to assets | 12.7482% | 1,431 |
| Core capital (leverage) ratio | 12.8469% | 1,226 |
| Tier 1 risk-based capital ratio | 16.3498% | 2,974 |
| Total risk-based capital ratio | 17.6003% | 2,942 |
| Memoranda: | ||
| Average total assets | $72,495,000 | 5,379 |
| Average earning assets | $64,299,000 | 5,429 |
| Average equity | $9,239,000 | 4,993 |
| Average total loans | $50,537,000 | 4,913 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9877% | 173 |
| Cost of funding earning assets | 0.7443% | 1,535 |
| Net interest margin | 5.2434% | 202 |
| Noninterest income to average assets | 0.1410% | 6,238 |
| Noninterest expense to average assets | 3.6524% | 1,371 |
| Loan and lease loss provision to assets | 0.0705% | 3,714 |
| Net operating income to assets | 1.3355% | 1,167 |
| Return on assets (ROA) | 1.3355% | 1,211 |
| Pretax return on assets | 1.0478% | 3,159 |
| Return on Equity (ROE) | 10.9645% | 1,777 |
| Retained earnings to average equity (ytd only) | 10.9645% | 421 |
| Net charge-offs to loans | 0.0272% | 4,876 |
| Credit loss provision to net charge-offs | 384.6154% | 591 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 681 |
| Efficiency ratio | 76.5593% | 2,695 |
| Assets per employee ($millions) | 5.1036% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 2,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 65.5073% | 2,770 |
| Net loans and leases to deposits | 75.3534% | 3,050 |
| Net loans and leases to core deposits | 77.0719% | 3,478 |
| Total domestic deposits to total assets | 86.9335% | 2,757 |
| Equity capital to assets | 12.7404% | 1,401 |
| Core capital (leverage) ratio | 12.6098% | 1,300 |
| Tier 1 risk-based capital ratio | 17.6473% | 2,360 |
| Total risk-based capital ratio | 18.8996% | 2,336 |
| Memoranda: | ||
| Average total assets | $70,912,400 | 5,442 |
| Average earning assets | $62,612,200 | 5,518 |
| Average equity | $8,637,000 | 5,178 |
| Average total loans | $47,756,800 | 5,039 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9204% | 200 |
| Cost of funding earning assets | 0.7553% | 1,569 |
| Net interest margin | 5.1651% | 229 |
| Noninterest income to average assets | 0.1413% | 6,325 |
| Noninterest expense to average assets | 3.7544% | 1,154 |
| Loan and lease loss provision to assets | 0.0961% | 3,157 |
| Net operating income to assets | 1.1397% | 1,855 |
| Return on assets (ROA) | 1.1397% | 1,928 |
| Pretax return on assets | 0.8515% | 4,089 |
| Return on Equity (ROE) | 9.4672% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.4672% | 915 |
| Net charge-offs to loans | 0.0056% | 5,071 |
| Credit loss provision to net charge-offs | 2,550.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 251.1798% | 232 |
| Efficiency ratio | 79.8478% | 2,123 |
| Assets per employee ($millions) | 5.1520% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 3,278 |
| Loan loss allowance to noncurrent loans | 4,094.7368% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 6,400 |
| Noncurrent loans to loans | 0.0376% | 6,229 |
| Net loans and leases to total assets | 68.9552% | 2,149 |
| Net loans and leases to deposits | 78.9247% | 2,539 |
| Net loans and leases to core deposits | 81.0270% | 2,998 |
| Total domestic deposits to total assets | 87.3683% | 2,473 |
| Equity capital to assets | 12.2671% | 1,736 |
| Core capital (leverage) ratio | 12.4441% | 1,446 |
| Tier 1 risk-based capital ratio | 16.1069% | 3,128 |
| Total risk-based capital ratio | 17.3593% | 3,094 |
| Memoranda: | ||
| Average total assets | $70,778,000 | 5,509 |
| Average earning assets | $62,494,500 | 5,579 |
| Average equity | $8,520,500 | 5,266 |
| Average total loans | $47,803,000 | 5,083 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8564% | 221 |
| Cost of funding earning assets | 0.7841% | 1,505 |
| Net interest margin | 5.0723% | 272 |
| Noninterest income to average assets | 0.1422% | 6,339 |
| Noninterest expense to average assets | 3.7681% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1347% | 1,792 |
| Return on assets (ROA) | 1.1347% | 1,907 |
| Pretax return on assets | 0.8446% | 4,137 |
| Return on Equity (ROE) | 9.4872% | 2,425 |
| Retained earnings to average equity (ytd only) | 9.4872% | 970 |
| Net charge-offs to loans | 0.0128% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 466 |
| Efficiency ratio | 81.6893% | 1,932 |
| Assets per employee ($millions) | 5.4986% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 3,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 65.9411% | 2,609 |
| Net loans and leases to deposits | 75.2851% | 2,974 |
| Net loans and leases to core deposits | 78.6006% | 3,214 |
| Total domestic deposits to total assets | 87.5885% | 2,496 |
| Equity capital to assets | 12.0716% | 1,866 |
| Core capital (leverage) ratio | 12.0741% | 1,578 |
| Tier 1 risk-based capital ratio | 16.0457% | 3,163 |
| Total risk-based capital ratio | 17.2976% | 3,108 |
| Memoranda: | ||
| Average total assets | $70,328,000 | 5,559 |
| Average earning assets | $61,984,000 | 5,626 |
| Average equity | $8,411,330 | 5,335 |
| Average total loans | $46,899,330 | 5,139 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8995% | 196 |
| Cost of funding earning assets | 0.8048% | 1,502 |
| Net interest margin | 5.0947% | 240 |
| Noninterest income to average assets | 0.1204% | 6,497 |
| Noninterest expense to average assets | 3.8193% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0953% | 1,873 |
| Return on assets (ROA) | 1.0953% | 1,983 |
| Pretax return on assets | 0.8029% | 4,158 |
| Return on Equity (ROE) | 9.2020% | 2,394 |
| Retained earnings to average equity (ytd only) | 9.2020% | 1,319 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6303% | 1,941 |
| Assets per employee ($millions) | 5.5886% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 3,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 5,772 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 60.6728% | 3,316 |
| Net loans and leases to deposits | 68.8083% | 3,666 |
| Net loans and leases to core deposits | 71.7658% | 3,852 |
| Total domestic deposits to total assets | 88.1765% | 2,210 |
| Equity capital to assets | 11.5702% | 2,355 |
| Core capital (leverage) ratio | 12.1400% | 1,497 |
| Tier 1 risk-based capital ratio | 16.3404% | 3,088 |
| Total risk-based capital ratio | 17.5923% | 3,038 |
| Memoranda: | ||
| Average total assets | $69,751,000 | 5,635 |
| Average earning assets | $61,632,500 | 5,689 |
| Average equity | $8,302,500 | 5,411 |
| Average total loans | $46,417,500 | 5,204 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0929% | 236 |
| Cost of funding earning assets | 0.8841% | 2,045 |
| Net interest margin | 5.2088% | 267 |
| Noninterest income to average assets | 0.1336% | 6,374 |
| Noninterest expense to average assets | 3.7660% | 1,307 |
| Loan and lease loss provision to assets | 0.3415% | 1,966 |
| Net operating income to assets | 0.5906% | 4,278 |
| Return on assets (ROA) | 0.5906% | 4,541 |
| Pretax return on assets | 0.5939% | 5,009 |
| Return on Equity (ROE) | 4.5136% | 4,920 |
| Retained earnings to average equity (ytd only) | 4.5136% | 3,051 |
| Net charge-offs to loans | 0.0049% | 5,903 |
| Credit loss provision to net charge-offs | 10,350.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 283.5000% | 136 |
| Efficiency ratio | 80.1053% | 2,127 |
| Assets per employee ($millions) | 5.5708% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 3,671 |
| Loan loss allowance to noncurrent loans | 379.6875% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 5,824 |
| Noncurrent loans to loans | 0.3998% | 5,494 |
| Net loans and leases to total assets | 70.7509% | 1,692 |
| Net loans and leases to deposits | 80.9603% | 2,151 |
| Net loans and leases to core deposits | 84.2768% | 2,518 |
| Total domestic deposits to total assets | 87.3897% | 2,582 |
| Equity capital to assets | 12.2648% | 1,881 |
| Core capital (leverage) ratio | 12.2809% | 1,409 |
| Tier 1 risk-based capital ratio | 15.5377% | 3,401 |
| Total risk-based capital ratio | 16.7889% | 3,365 |
| Memoranda: | ||
| Average total assets | $60,621,000 | 5,908 |
| Average earning assets | $53,159,800 | 5,952 |
| Average equity | $7,931,600 | 5,527 |
| Average total loans | $41,087,400 | 5,458 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9661% | 294 |
| Cost of funding earning assets | 0.8928% | 2,220 |
| Net interest margin | 5.0732% | 357 |
| Noninterest income to average assets | 0.1332% | 6,472 |
| Noninterest expense to average assets | 3.8353% | 1,148 |
| Loan and lease loss provision to assets | 0.3318% | 1,975 |
| Net operating income to assets | 0.3996% | 5,250 |
| Return on assets (ROA) | 0.3996% | 5,469 |
| Pretax return on assets | 0.4041% | 5,708 |
| Return on Equity (ROE) | 3.0006% | 5,682 |
| Retained earnings to average equity (ytd only) | 3.0006% | 4,753 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9012% | 1,599 |
| Assets per employee ($millions) | 5.0737% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 3,866 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 5,977 |
| Noncurrent loans to loans | 0.4342% | 5,578 |
| Net loans and leases to total assets | 66.0163% | 2,647 |
| Net loans and leases to deposits | 75.4057% | 3,078 |
| Net loans and leases to core deposits | 78.5578% | 3,380 |
| Total domestic deposits to total assets | 87.5481% | 2,318 |
| Equity capital to assets | 12.1335% | 2,161 |
| Core capital (leverage) ratio | 12.1306% | 1,573 |
| Tier 1 risk-based capital ratio | 15.9150% | 3,309 |
| Total risk-based capital ratio | 17.1663% | 3,283 |
| Memoranda: | ||
| Average total assets | $59,063,750 | 6,009 |
| Average earning assets | $51,668,750 | 6,059 |
| Average equity | $7,864,750 | 5,597 |
| Average total loans | $39,352,750 | 5,606 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0138% | 290 |
| Cost of funding earning assets | 0.9087% | 2,328 |
| Net interest margin | 5.1050% | 334 |
| Noninterest income to average assets | 0.1304% | 6,532 |
| Noninterest expense to average assets | 3.9460% | 1,011 |
| Loan and lease loss provision to assets | 0.4157% | 1,577 |
| Net operating income to assets | 0.2220% | 5,851 |
| Return on assets (ROA) | 0.2220% | 6,035 |
| Pretax return on assets | 0.2220% | 6,115 |
| Return on Equity (ROE) | 1.6115% | 6,164 |
| Retained earnings to average equity (ytd only) | 1.6115% | 5,403 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0876% | 1,426 |
| Assets per employee ($millions) | 4.6061% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 3,955 |
| Loan loss allowance to noncurrent loans | 334.3750% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 5,960 |
| Noncurrent loans to loans | 0.4525% | 5,630 |
| Net loans and leases to total assets | 69.7857% | 1,957 |
| Net loans and leases to deposits | 80.6387% | 2,290 |
| Net loans and leases to core deposits | 86.1570% | 2,411 |
| Total domestic deposits to total assets | 86.5412% | 3,044 |
| Equity capital to assets | 13.1515% | 1,448 |
| Core capital (leverage) ratio | 13.3730% | 1,026 |
| Tier 1 risk-based capital ratio | 16.4945% | 2,917 |
| Total risk-based capital ratio | 17.6278% | 2,938 |
| Memoranda: | ||
| Average total assets | $56,765,670 | 6,116 |
| Average earning assets | $49,519,670 | 6,173 |
| Average equity | $7,818,670 | 5,630 |
| Average total loans | $37,732,000 | 5,695 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7786% | 442 |
| Cost of funding earning assets | 0.8839% | 2,806 |
| Net interest margin | 4.8947% | 470 |
| Noninterest income to average assets | 0.1304% | 6,595 |
| Noninterest expense to average assets | 3.8834% | 1,085 |
| Loan and lease loss provision to assets | 0.4275% | 1,466 |
| Net operating income to assets | 0.0725% | 6,290 |
| Return on assets (ROA) | 0.0725% | 6,410 |
| Pretax return on assets | 0.0725% | 6,422 |
| Return on Equity (ROE) | 0.5134% | 6,437 |
| Retained earnings to average equity (ytd only) | 0.5134% | 5,836 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5950% | 1,215 |
| Assets per employee ($millions) | 4.7263% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 4,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 66.7924% | 2,332 |
| Net loans and leases to deposits | 77.6493% | 2,579 |
| Net loans and leases to core deposits | 83.3157% | 2,637 |
| Total domestic deposits to total assets | 86.0181% | 3,519 |
| Equity capital to assets | 13.7527% | 1,113 |
| Core capital (leverage) ratio | 14.0957% | 778 |
| Tier 1 risk-based capital ratio | 17.1584% | 2,621 |
| Total risk-based capital ratio | 18.4083% | 2,582 |
| Memoranda: | ||
| Average total assets | $55,209,000 | 6,200 |
| Average earning assets | $47,970,000 | 6,278 |
| Average equity | $7,790,500 | 5,661 |
| Average total loans | $35,383,500 | 5,850 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1694% | 2,190 |
| Cost of funding earning assets | 0.9018% | 4,103 |
| Net interest margin | 4.2676% | 1,814 |
| Noninterest income to average assets | 0.1206% | 6,543 |
| Noninterest expense to average assets | 4.5595% | 553 |
| Loan and lease loss provision to assets | 0.3640% | 2,820 |
| Net operating income to assets | -1.1846% | 6,815 |
| Return on assets (ROA) | -1.1846% | 6,841 |
| Pretax return on assets | -1.1846% | 6,808 |
| Return on Equity (ROE) | -6.8644% | 6,622 |
| Retained earnings to average equity (ytd only) | -6.8644% | 6,561 |
| Net charge-offs to loans | 0.0074% | 6,326 |
| Credit loss provision to net charge-offs | 8,450.0000% | 25 |
| Earnings coverage of net charge-offs (x) | -190.5000% | 6,437 |
| Efficiency ratio | 121.9470% | 294 |
| Assets per employee ($millions) | 4.8820% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 3,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 59.1728% | 4,158 |
| Net loans and leases to deposits | 69.5400% | 4,183 |
| Net loans and leases to core deposits | 74.1051% | 4,227 |
| Total domestic deposits to total assets | 85.0918% | 3,792 |
| Equity capital to assets | 14.4892% | 902 |
| Core capital (leverage) ratio | 14.8658% | 629 |
| Tier 1 risk-based capital ratio | 18.9206% | 1,923 |
| Total risk-based capital ratio | 20.1951% | 1,874 |
| Memoranda: | ||
| Average total assets | $46,430,600 | 6,470 |
| Average earning assets | $39,366,400 | 6,554 |
| Average equity | $8,012,400 | 5,566 |
| Average total loans | $27,150,600 | 6,287 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1541% | 2,370 |
| Cost of funding earning assets | 0.8993% | 4,403 |
| Net interest margin | 4.2548% | 1,896 |
| Noninterest income to average assets | 0.1106% | 6,702 |
| Noninterest expense to average assets | 4.7220% | 474 |
| Loan and lease loss provision to assets | 0.3048% | 3,093 |
| Net operating income to assets | -1.3389% | 6,997 |
| Return on assets (ROA) | -1.3389% | 7,017 |
| Pretax return on assets | -1.3389% | 6,977 |
| Return on Equity (ROE) | -7.4015% | 6,784 |
| Retained earnings to average equity (ytd only) | -7.4015% | 6,726 |
| Net charge-offs to loans | 0.0103% | 6,010 |
| Credit loss provision to net charge-offs | 5,100.0000% | 61 |
| Earnings coverage of net charge-offs (x) | -172.7790% | 6,180 |
| Efficiency ratio | 128.0389% | 240 |
| Assets per employee ($millions) | 4.5715% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 3,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 53.4472% | 5,252 |
| Net loans and leases to deposits | 63.6037% | 5,223 |
| Net loans and leases to core deposits | 69.8086% | 4,969 |
| Total domestic deposits to total assets | 84.0317% | 4,215 |
| Equity capital to assets | 15.6502% | 694 |
| Core capital (leverage) ratio | 15.9958% | 507 |
| Tier 1 risk-based capital ratio | 21.9904% | 1,292 |
| Total risk-based capital ratio | 23.2684% | 1,258 |
| Memoranda: | ||
| Average total assets | $44,612,750 | 6,568 |
| Average earning assets | $37,509,500 | 6,681 |
| Average equity | $8,070,250 | 5,575 |
| Average total loans | $25,863,000 | 6,431 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1244% | 2,569 |
| Cost of funding earning assets | 0.8924% | 4,737 |
| Net interest margin | 4.2320% | 1,908 |
| Noninterest income to average assets | 0.1124% | 6,769 |
| Noninterest expense to average assets | 4.9858% | 373 |
| Loan and lease loss provision to assets | 0.2481% | 3,429 |
| Net operating income to assets | -1.5917% | 7,123 |
| Return on assets (ROA) | -1.5917% | 7,135 |
| Pretax return on assets | -1.5917% | 7,096 |
| Return on Equity (ROE) | -8.3569% | 6,878 |
| Retained earnings to average equity (ytd only) | -8.3569% | 6,792 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.8895% | 215 |
| Assets per employee ($millions) | 3.8120% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 4,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 59.8068% | 4,309 |
| Net loans and leases to deposits | 72.6891% | 4,004 |
| Net loans and leases to core deposits | 77.8676% | 4,068 |
| Total domestic deposits to total assets | 82.2775% | 5,071 |
| Equity capital to assets | 17.4340% | 436 |
| Core capital (leverage) ratio | 17.6450% | 359 |
| Tier 1 risk-based capital ratio | 23.2252% | 1,089 |
| Total risk-based capital ratio | 24.4147% | 1,077 |
| Memoranda: | ||
| Average total assets | $42,721,330 | 6,690 |
| Average earning assets | $35,633,670 | 6,812 |
| Average equity | $8,137,000 | 5,566 |
| Average total loans | $25,372,670 | 6,521 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1529% | 2,422 |
| Cost of funding earning assets | 0.8259% | 5,423 |
| Net interest margin | 4.3270% | 1,479 |
| Noninterest income to average assets | 0.1068% | 6,876 |
| Noninterest expense to average assets | 5.0959% | 335 |
| Loan and lease loss provision to assets | 0.1553% | 4,082 |
| Net operating income to assets | -1.5336% | 7,211 |
| Return on assets (ROA) | -1.5336% | 7,213 |
| Pretax return on assets | -1.5336% | 7,172 |
| Return on Equity (ROE) | -7.6904% | 6,946 |
| Retained earnings to average equity (ytd only) | -7.6904% | 6,729 |
| Net charge-offs to loans | 0.0331% | 4,633 |
| Credit loss provision to net charge-offs | 800.0000% | 474 |
| Earnings coverage of net charge-offs (x) | -71.0000% | 5,096 |
| Efficiency ratio | 137.0757% | 220 |
| Assets per employee ($millions) | 4.3039% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 4,005 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 55.0826% | 5,149 |
| Net loans and leases to deposits | 68.2039% | 4,646 |
| Net loans and leases to core deposits | 75.2866% | 4,381 |
| Total domestic deposits to total assets | 80.7616% | 5,733 |
| Equity capital to assets | 18.9224% | 312 |
| Core capital (leverage) ratio | 19.6637% | 247 |
| Tier 1 risk-based capital ratio | 25.9999% | 787 |
| Total risk-based capital ratio | 27.1850% | 775 |
| Memoranda: | ||
| Average total assets | $41,210,000 | 6,792 |
| Average earning assets | $34,388,500 | 6,906 |
| Average equity | $8,218,000 | 5,551 |
| Average total loans | $24,176,000 | 6,636 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 5,946 |
| Cost of funding earning assets | 0.8392% | 6,403 |
| Net interest margin | 3.8135% | 3,895 |
| Noninterest income to average assets | 0.0955% | 6,915 |
| Noninterest expense to average assets | 5.7785% | 254 |
| Loan and lease loss provision to assets | 0.6885% | 2,387 |
| Net operating income to assets | -3.3175% | 7,350 |
| Return on assets (ROA) | -3.3175% | 7,362 |
| Pretax return on assets | -3.3175% | 7,340 |
| Return on Equity (ROE) | -11.4766% | 6,794 |
| Retained earnings to average equity (ytd only) | -11.4766% | 6,739 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 183.4728% | 113 |
| Assets per employee ($millions) | 3.9381% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 4,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 60.7323% | 4,542 |
| Net loans and leases to deposits | 77.2039% | 3,637 |
| Net loans and leases to core deposits | 86.3118% | 3,280 |
| Total domestic deposits to total assets | 78.6648% | 6,174 |
| Equity capital to assets | 21.0558% | 204 |
| Core capital (leverage) ratio | 21.1781% | 193 |
| Tier 1 risk-based capital ratio | 27.3580% | 654 |
| Total risk-based capital ratio | 28.5365% | 646 |
| Memoranda: | ||
| Average total assets | $30,353,800 | 7,193 |
| Average earning assets | $24,308,200 | 7,278 |
| Average equity | $8,774,400 | 5,481 |
| Average total loans | $15,442,200 | 7,145 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 6,631 |
| Cost of funding earning assets | 0.8498% | 6,580 |
| Net interest margin | 3.6400% | 4,675 |
| Noninterest income to average assets | 0.0949% | 7,070 |
| Noninterest expense to average assets | 6.1927% | 208 |
| Loan and lease loss provision to assets | 0.4698% | 3,124 |
| Net operating income to assets | -3.7014% | 7,542 |
| Return on assets (ROA) | -3.7014% | 7,554 |
| Pretax return on assets | -3.7014% | 7,531 |
| Return on Equity (ROE) | -11.6916% | 6,994 |
| Retained earnings to average equity (ytd only) | -11.6916% | 6,958 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 209.1346% | 75 |
| Assets per employee ($millions) | 4.2253% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 4,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 49.2131% | 6,407 |
| Net loans and leases to deposits | 66.1221% | 5,656 |
| Net loans and leases to core deposits | 75.9936% | 5,057 |
| Total domestic deposits to total assets | 74.4275% | 6,869 |
| Equity capital to assets | 25.1879% | 135 |
| Core capital (leverage) ratio | 29.9908% | 85 |
| Tier 1 risk-based capital ratio | 35.1030% | 344 |
| Total risk-based capital ratio | 36.1227% | 342 |
| Memoranda: | ||
| Average total assets | $28,097,000 | 7,357 |
| Average earning assets | $22,123,750 | 7,440 |
| Average equity | $8,895,000 | 5,526 |
| Average total loans | $13,234,250 | 7,335 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 6,893 |
| Cost of funding earning assets | 0.8314% | 6,814 |
| Net interest margin | 3.5729% | 4,936 |
| Noninterest income to average assets | 0.0840% | 7,162 |
| Noninterest expense to average assets | 6.4134% | 188 |
| Loan and lease loss provision to assets | 0.4123% | 3,258 |
| Net operating income to assets | -3.9854% | 7,619 |
| Return on assets (ROA) | -3.9854% | 7,624 |
| Pretax return on assets | -3.9854% | 7,597 |
| Return on Equity (ROE) | -11.5717% | 7,023 |
| Retained earnings to average equity (ytd only) | -11.5717% | 6,980 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 225.8065% | 67 |
| Assets per employee ($millions) | 3.1819% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 4,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 47.6307% | 6,650 |
| Net loans and leases to deposits | 68.9655% | 5,420 |
| Net loans and leases to core deposits | 76.8711% | 5,095 |
| Total domestic deposits to total assets | 69.0645% | 7,388 |
| Equity capital to assets | 30.5968% | 79 |
| Core capital (leverage) ratio | 31.5564% | 74 |
| Tier 1 risk-based capital ratio | 41.5835% | 219 |
| Total risk-based capital ratio | 42.5430% | 222 |
| Memoranda: | ||
| Average total assets | $26,195,330 | 7,462 |
| Average earning assets | $20,207,670 | 7,550 |
| Average equity | $9,022,000 | 5,494 |
| Average total loans | $12,018,330 | 7,457 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 6,722 |
| Cost of funding earning assets | 0.8186% | 7,030 |
| Net interest margin | 3.7153% | 4,165 |
| Noninterest income to average assets | 0.0961% | 7,223 |
| Noninterest expense to average assets | 6.1022% | 212 |
| Loan and lease loss provision to assets | 0.5446% | 2,323 |
| Net operating income to assets | -3.7158% | 7,696 |
| Return on assets (ROA) | -3.7158% | 7,699 |
| Pretax return on assets | -3.7158% | 7,664 |
| Return on Equity (ROE) | -10.1399% | 7,146 |
| Retained earnings to average equity (ytd only) | -10.1399% | 6,975 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 208.1967% | 90 |
| Assets per employee ($millions) | 3.6743% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5129% | 3,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 46.0653% | 6,824 |
| Net loans and leases to deposits | 71.3391% | 5,149 |
| Net loans and leases to core deposits | 81.9477% | 4,494 |
| Total domestic deposits to total assets | 64.5723% | 7,659 |
| Equity capital to assets | 35.1516% | 66 |
| Core capital (leverage) ratio | 36.1401% | 62 |
| Tier 1 risk-based capital ratio | 49.0238% | 163 |
| Total risk-based capital ratio | 50.0108% | 162 |
| Memoranda: | ||
| Average total assets | $24,974,500 | 7,590 |
| Average earning assets | $19,056,500 | 7,679 |
| Average equity | $9,152,000 | 5,500 |
| Average total loans | $11,106,500 | 7,588 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0100% | 7,690 |
| Cost of funding earning assets | 0.7374% | 7,641 |
| Net interest margin | 3.2726% | 5,847 |
| Noninterest income to average assets | 0.0648% | 7,424 |
| Noninterest expense to average assets | 6.8107% | 219 |
| Loan and lease loss provision to assets | 0.3238% | 4,871 |
| Net operating income to assets | -4.3943% | 7,668 |
| Return on assets (ROA) | -4.3893% | 7,664 |
| Pretax return on assets | -4.3893% | 7,623 |
| Return on Equity (ROE) | -9.0926% | 6,543 |
| Retained earnings to average equity (ytd only) | -9.0926% | 6,436 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 248.5455% | 89 |
| Assets per employee ($millions) | 3.4613% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 3,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 41.4173% | 7,280 |
| Net loans and leases to deposits | 67.3445% | 5,905 |
| Net loans and leases to core deposits | 91.5936% | 4,939 |
| Total domestic deposits to total assets | 61.5007% | 7,776 |
| Equity capital to assets | 38.2310% | 66 |
| Core capital (leverage) ratio | 39.1200% | 66 |
| Tier 1 risk-based capital ratio | 54.5262% | 133 |
| Total risk-based capital ratio | 55.3973% | 134 |
| Memoranda: | ||
| Average total assets | $20,071,400 | 7,770 |
| Average earning assets | $16,409,000 | 7,809 |
| Average equity | $9,689,200 | 5,385 |
| Average total loans | $7,785,200 | 7,791 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 7,876 |
| Cost of funding earning assets | 0.7251% | 7,784 |
| Net interest margin | 3.0505% | 6,462 |
| Noninterest income to average assets | 0.0631% | 7,596 |
| Noninterest expense to average assets | 7.1667% | 199 |
| Loan and lease loss provision to assets | 0.4203% | 3,807 |
| Net operating income to assets | -4.9600% | 7,836 |
| Return on assets (ROA) | -4.9529% | 7,834 |
| Pretax return on assets | -4.9529% | 7,803 |
| Return on Equity (ROE) | -9.6229% | 6,867 |
| Retained earnings to average equity (ytd only) | -9.6229% | 6,769 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 272.8000% | 75 |
| Assets per employee ($millions) | 3.4755% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 3,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 44.8808% | 7,184 |
| Net loans and leases to deposits | 82.4581% | 3,927 |
| Net loans and leases to core deposits | 103.7353% | 3,973 |
| Total domestic deposits to total assets | 54.4286% | 7,945 |
| Equity capital to assets | 45.2741% | 62 |
| Core capital (leverage) ratio | 45.9063% | 61 |
| Tier 1 risk-based capital ratio | 61.1291% | 114 |
| Total risk-based capital ratio | 62.0625% | 113 |
| Memoranda: | ||
| Average total assets | $19,032,000 | 7,881 |
| Average earning assets | $15,997,250 | 7,897 |
| Average equity | $9,795,750 | 5,400 |
| Average total loans | $7,185,750 | 7,897 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6628% | 8,000 |
| Cost of funding earning assets | 0.7172% | 7,906 |
| Net interest margin | 2.9456% | 6,695 |
| Noninterest income to average assets | 0.0543% | 7,721 |
| Noninterest expense to average assets | 7.2727% | 197 |
| Loan and lease loss provision to assets | 0.2714% | 4,406 |
| Net operating income to assets | -4.9932% | 7,932 |
| Return on assets (ROA) | -4.9932% | 7,925 |
| Pretax return on assets | -4.9932% | 7,857 |
| Return on Equity (ROE) | -9.2798% | 6,983 |
| Retained earnings to average equity (ytd only) | -9.2798% | 6,794 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 285.1064% | 90 |
| Assets per employee ($millions) | 3.4205% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 3,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 34.4297% | 7,757 |
| Net loans and leases to deposits | 65.4926% | 6,437 |
| Net loans and leases to core deposits | 81.1624% | 6,309 |
| Total domestic deposits to total assets | 52.5703% | 8,042 |
| Equity capital to assets | 47.1520% | 66 |
| Core capital (leverage) ratio | 49.9303% | 62 |
| Tier 1 risk-based capital ratio | 78.3077% | 85 |
| Total risk-based capital ratio | 79.1903% | 85 |
| Memoranda: | ||
| Average total assets | $18,425,000 | 7,980 |
| Average earning assets | $15,616,670 | 7,985 |
| Average equity | $9,914,000 | 5,381 |
| Average total loans | $6,413,330 | 8,014 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6275% | 8,078 |
| Cost of funding earning assets | 0.6619% | 8,012 |
| Net interest margin | 2.9655% | 6,573 |
| Noninterest income to average assets | 0.0460% | 7,855 |
| Noninterest expense to average assets | 7.5276% | 177 |
| Loan and lease loss provision to assets | 0.3453% | 3,251 |
| Net operating income to assets | -5.2486% | 8,053 |
| Return on assets (ROA) | -5.2486% | 8,045 |
| Pretax return on assets | -5.2486% | 8,003 |
| Return on Equity (ROE) | -9.0905% | 7,305 |
| Retained earnings to average equity (ytd only) | -9.0905% | 7,023 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 286.8421% | 95 |
| Assets per employee ($millions) | 2.9918% | 6,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 3,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 35.9869% | 7,731 |
| Net loans and leases to deposits | 80.6996% | 4,500 |
| Net loans and leases to core deposits | 107.2733% | 3,766 |
| Total domestic deposits to total assets | 44.5936% | 8,126 |
| Equity capital to assets | 55.1446% | 58 |
| Core capital (leverage) ratio | 55.7804% | 61 |
| Tier 1 risk-based capital ratio | 102.9975% | 67 |
| Total risk-based capital ratio | 104.0175% | 67 |
| Memoranda: | ||
| Average total assets | $17,376,000 | 8,052 |
| Average earning assets | $15,107,000 | 8,050 |
| Average equity | $10,032,500 | 5,376 |
| Average total loans | $6,032,500 | 8,078 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3929% | 8,250 |
| Cost of funding earning assets | 0.2061% | 8,240 |
| Net interest margin | 1.1868% | 8,214 |
| Noninterest income to average assets | 0.0062% | 8,085 |
| Noninterest expense to average assets | 8.6247% | 195 |
| Loan and lease loss provision to assets | 0.5113% | 2,764 |
| Net operating income to assets | -8.1010% | 8,224 |
| Return on assets (ROA) | -8.1010% | 8,221 |
| Pretax return on assets | -8.1010% | 8,205 |
| Return on Equity (ROE) | -12.7614% | 7,483 |
| Retained earnings to average equity (ytd only) | -12.7614% | 7,311 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 833.3333% | 22 |
| Assets per employee ($millions) | 2.8002% | 6,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 2,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 32.2838% | 7,934 |
| Net loans and leases to deposits | 82.0699% | 4,716 |
| Net loans and leases to core deposits | 96.7017% | 5,183 |
| Total domestic deposits to total assets | 39.3369% | 8,193 |
| Equity capital to assets | 60.5083% | 56 |
| Core capital (leverage) ratio | 61.5968% | 58 |
| Tier 1 risk-based capital ratio | 121.6741% | 67 |
| Total risk-based capital ratio | 122.6679% | 67 |
| Memoranda: | ||
| Average total assets | $16,232,500 | 8,133 |
| Average earning assets | $14,071,000 | 8,136 |
| Average equity | $10,304,500 | 5,319 |
| Average total loans | $3,605,000 | 8,205 |