Home > The Cincinnatus Savings & Loan Co. > Performance and Condition Ratios
The Cincinnatus Savings & Loan Co., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3614% | 2,386 |
| Cost of funding earning assets | 1.9685% | 2,017 |
| Net interest margin | 3.3929% | 2,575 |
| Noninterest income to average assets | 0.1900% | 3,621 |
| Noninterest expense to average assets | 2.2513% | 2,974 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 0.9128% | 2,530 |
| Return on assets (ROA) | 0.9128% | 2,540 |
| Pretax return on assets | 1.0996% | 2,507 |
| Return on Equity (ROE) | 5.9500% | 3,350 |
| Retained earnings to average equity (ytd only) | 5.9476% | 2,288 |
| Net charge-offs to loans | -0.0170% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 67.0423% | 2,137 |
| Assets per employee ($millions) | 8.2205% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 3,152 |
| Loan loss allowance to noncurrent loans | 120,900.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 3,803 |
| Noncurrent loans to loans | 0.0008% | 3,773 |
| Net loans and leases to total assets | 68.4700% | 2,021 |
| Net loans and leases to deposits | 82.4990% | 1,838 |
| Net loans and leases to core deposits | 90.6597% | 2,005 |
| Total domestic deposits to total assets | 82.9900% | 3,122 |
| Equity capital to assets | 15.1880% | 542 |
| Core capital (leverage) ratio | 15.9715% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $169,150,000 | 3,238 |
| Average earning assets | $158,093,500 | 3,217 |
| Average equity | $25,960,000 | 2,643 |
| Average total loans | $117,930,000 | 3,046 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3727% | 2,386 |
| Cost of funding earning assets | 2.1183% | 1,940 |
| Net interest margin | 3.2544% | 2,603 |
| Noninterest income to average assets | 0.2900% | 3,113 |
| Noninterest expense to average assets | 2.4635% | 2,403 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.6752% | 3,035 |
| Return on assets (ROA) | 0.6752% | 3,065 |
| Pretax return on assets | 0.8402% | 2,961 |
| Return on Equity (ROE) | 3.9500% | 3,712 |
| Retained earnings to average equity (ytd only) | 3.9480% | 2,656 |
| Net charge-offs to loans | -0.0242% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 74.3875% | 1,506 |
| Assets per employee ($millions) | 7.8890% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,049 |
| Loan loss allowance to noncurrent loans | 1,062.8319% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,190 |
| Noncurrent loans to loans | 0.0970% | 3,152 |
| Net loans and leases to total assets | 69.5700% | 1,956 |
| Net loans and leases to deposits | 85.6274% | 1,628 |
| Net loans and leases to core deposits | 92.2986% | 1,952 |
| Total domestic deposits to total assets | 81.2500% | 3,366 |
| Equity capital to assets | 15.5134% | 508 |
| Core capital (leverage) ratio | 15.9945% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $149,136,000 | 3,365 |
| Average earning assets | $138,274,200 | 3,359 |
| Average equity | $25,506,800 | 2,602 |
| Average total loans | $115,769,200 | 3,047 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 2,424 |
| Cost of funding earning assets | 2.1538% | 1,844 |
| Net interest margin | 3.1612% | 2,766 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 2.4606% | 2,369 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.6363% | 3,124 |
| Return on assets (ROA) | 0.6363% | 3,150 |
| Pretax return on assets | 0.7889% | 3,074 |
| Return on Equity (ROE) | 3.6200% | 3,791 |
| Retained earnings to average equity (ytd only) | 3.6241% | 2,973 |
| Net charge-offs to loans | -0.0265% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 75.5292% | 1,438 |
| Assets per employee ($millions) | 7.2827% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 3,053 |
| Loan loss allowance to noncurrent loans | 59,650.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 3,833 |
| Noncurrent loans to loans | 0.0017% | 3,802 |
| Net loans and leases to total assets | 67.8400% | 2,099 |
| Net loans and leases to deposits | 83.3771% | 1,857 |
| Net loans and leases to core deposits | 89.4776% | 2,179 |
| Total domestic deposits to total assets | 81.3700% | 3,236 |
| Equity capital to assets | 15.5354% | 528 |
| Core capital (leverage) ratio | 17.0267% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $145,002,500 | 3,409 |
| Average earning assets | $134,208,750 | 3,404 |
| Average equity | $25,458,250 | 2,601 |
| Average total loans | $115,597,000 | 3,042 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4052% | 2,134 |
| Cost of funding earning assets | 2.2110% | 1,625 |
| Net interest margin | 3.1942% | 2,644 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 2.4669% | 2,332 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.6283% | 3,121 |
| Return on assets (ROA) | 0.6283% | 3,152 |
| Pretax return on assets | 0.7578% | 3,095 |
| Return on Equity (ROE) | 3.4200% | 3,821 |
| Retained earnings to average equity (ytd only) | 3.4190% | 2,919 |
| Net charge-offs to loans | -0.0190% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 76.2933% | 1,433 |
| Assets per employee ($millions) | 6.2231% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,170 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 83.4100% | 331 |
| Net loans and leases to deposits | 107.2756% | 278 |
| Net loans and leases to core deposits | 117.3745% | 709 |
| Total domestic deposits to total assets | 77.7500% | 3,736 |
| Equity capital to assets | 18.5928% | 321 |
| Core capital (leverage) ratio | 18.9723% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $137,503,000 | 3,483 |
| Average earning assets | $126,729,667 | 3,481 |
| Average equity | $25,270,333 | 2,578 |
| Average total loans | $115,854,000 | 3,036 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3531% | 2,096 |
| Cost of funding earning assets | 2.1148% | 1,741 |
| Net interest margin | 3.2383% | 2,483 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 2.3948% | 2,524 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.7112% | 2,808 |
| Return on assets (ROA) | 0.7112% | 2,827 |
| Pretax return on assets | 0.8360% | 2,839 |
| Return on Equity (ROE) | 3.8900% | 3,696 |
| Retained earnings to average equity (ytd only) | 3.8923% | 2,740 |
| Net charge-offs to loans | -0.0138% | 4,016 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 73.9247% | 1,755 |
| Assets per employee ($millions) | 6.3339% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,299 |
| Loan loss allowance to noncurrent loans | 373.1629% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 2,241 |
| Noncurrent loans to loans | 0.2682% | 2,352 |
| Net loans and leases to total assets | 82.9300% | 339 |
| Net loans and leases to deposits | 105.9806% | 277 |
| Net loans and leases to core deposits | 114.1845% | 805 |
| Total domestic deposits to total assets | 78.2500% | 3,763 |
| Equity capital to assets | 18.1598% | 340 |
| Core capital (leverage) ratio | 18.9126% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $137,800,500 | 3,492 |
| Average earning assets | $127,103,000 | 3,488 |
| Average equity | $25,178,000 | 2,592 |
| Average total loans | $116,094,000 | 3,034 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1286% | 1,796 |
| Cost of funding earning assets | 1.5555% | 1,798 |
| Net interest margin | 3.5731% | 2,020 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.4865% | 2,336 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8534% | 2,693 |
| Return on assets (ROA) | 0.8498% | 2,682 |
| Pretax return on assets | 1.0741% | 2,485 |
| Return on Equity (ROE) | 4.6600% | 3,782 |
| Retained earnings to average equity (ytd only) | 4.6616% | 2,729 |
| Net charge-offs to loans | -0.2224% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.5698% | 1,938 |
| Assets per employee ($millions) | 6.1934% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,277 |
| Loan loss allowance to noncurrent loans | 351.8182% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 2,001 |
| Noncurrent loans to loans | 0.2858% | 2,155 |
| Net loans and leases to total assets | 83.8900% | 279 |
| Net loans and leases to deposits | 109.9195% | 201 |
| Net loans and leases to core deposits | 115.3168% | 772 |
| Total domestic deposits to total assets | 76.3200% | 3,918 |
| Equity capital to assets | 18.3854% | 328 |
| Core capital (leverage) ratio | 18.9996% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $133,321,000 | 3,519 |
| Average earning assets | $123,114,600 | 3,517 |
| Average equity | $24,305,200 | 2,560 |
| Average total loans | $110,635,400 | 3,054 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9831% | 1,865 |
| Cost of funding earning assets | 1.4077% | 1,846 |
| Net interest margin | 3.5754% | 2,064 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.5150% | 2,185 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8384% | 2,904 |
| Return on assets (ROA) | 0.8336% | 2,905 |
| Pretax return on assets | 1.0549% | 2,698 |
| Return on Equity (ROE) | 4.5800% | 3,882 |
| Retained earnings to average equity (ytd only) | 4.5828% | 3,071 |
| Net charge-offs to loans | -0.0158% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.1543% | 1,765 |
| Assets per employee ($millions) | 6.1650% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 3,962 |
| Loan loss allowance to noncurrent loans | 232.9975% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 1,837 |
| Noncurrent loans to loans | 0.3477% | 1,978 |
| Net loans and leases to total assets | 83.4900% | 326 |
| Net loans and leases to deposits | 108.6205% | 233 |
| Net loans and leases to core deposits | 113.6767% | 744 |
| Total domestic deposits to total assets | 76.8700% | 3,944 |
| Equity capital to assets | 17.9142% | 349 |
| Core capital (leverage) ratio | 19.2042% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $132,587,500 | 3,535 |
| Average earning assets | $122,465,000 | 3,528 |
| Average equity | $24,118,750 | 2,558 |
| Average total loans | $109,428,500 | 3,069 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9120% | 1,739 |
| Cost of funding earning assets | 1.2593% | 1,826 |
| Net interest margin | 3.6527% | 1,909 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.5111% | 2,177 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8661% | 2,870 |
| Return on assets (ROA) | 0.8649% | 2,871 |
| Pretax return on assets | 1.0929% | 2,667 |
| Return on Equity (ROE) | 4.7300% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.7300% | 3,019 |
| Net charge-offs to loans | -0.0148% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.4701% | 1,814 |
| Assets per employee ($millions) | 5.6799% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 3,929 |
| Loan loss allowance to noncurrent loans | 161.7284% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 1,228 |
| Noncurrent loans to loans | 0.5195% | 1,422 |
| Net loans and leases to total assets | 82.8400% | 344 |
| Net loans and leases to deposits | 106.8321% | 281 |
| Net loans and leases to core deposits | 113.7013% | 693 |
| Total domestic deposits to total assets | 77.5400% | 3,894 |
| Equity capital to assets | 18.6655% | 318 |
| Core capital (leverage) ratio | 18.9901% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $131,573,333 | 3,555 |
| Average earning assets | $121,498,667 | 3,546 |
| Average equity | $24,059,333 | 2,569 |
| Average total loans | $107,850,000 | 3,081 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6848% | 1,889 |
| Cost of funding earning assets | 1.0819% | 1,799 |
| Net interest margin | 3.6029% | 2,121 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.4326% | 2,433 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.8937% | 2,881 |
| Return on assets (ROA) | 0.8937% | 2,832 |
| Pretax return on assets | 1.1299% | 2,629 |
| Return on Equity (ROE) | 4.9400% | 3,899 |
| Retained earnings to average equity (ytd only) | 4.9379% | 3,036 |
| Net charge-offs to loans | -0.0149% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.1086% | 1,958 |
| Assets per employee ($millions) | 5.8863% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 4,010 |
| Loan loss allowance to noncurrent loans | 1,096.3855% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,173 |
| Noncurrent loans to loans | 0.0766% | 3,191 |
| Net loans and leases to total assets | 79.3500% | 607 |
| Net loans and leases to deposits | 101.1192% | 390 |
| Net loans and leases to core deposits | 107.9118% | 759 |
| Total domestic deposits to total assets | 78.4700% | 3,944 |
| Equity capital to assets | 17.8130% | 311 |
| Core capital (leverage) ratio | 19.1169% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $132,041,500 | 3,593 |
| Average earning assets | $122,011,500 | 3,581 |
| Average equity | $23,897,000 | 2,608 |
| Average total loans | $107,205,500 | 3,120 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 1,122 |
| Cost of funding earning assets | 0.3526% | 2,456 |
| Net interest margin | 3.9148% | 924 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.6502% | 1,677 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9581% | 2,735 |
| Return on assets (ROA) | 0.9581% | 2,683 |
| Pretax return on assets | 1.2081% | 2,409 |
| Return on Equity (ROE) | 5.0700% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.0720% | 3,018 |
| Net charge-offs to loans | -0.0599% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.9934% | 1,969 |
| Assets per employee ($millions) | 5.5956% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8513% | 3,917 |
| Loan loss allowance to noncurrent loans | 1,003.3333% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 3,095 |
| Noncurrent loans to loans | 0.0848% | 3,149 |
| Net loans and leases to total assets | 81.7200% | 438 |
| Net loans and leases to deposits | 102.2964% | 355 |
| Net loans and leases to core deposits | 107.5970% | 689 |
| Total domestic deposits to total assets | 79.8900% | 3,891 |
| Equity capital to assets | 18.3980% | 280 |
| Core capital (leverage) ratio | 19.2813% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $124,407,800 | 3,691 |
| Average earning assets | $114,566,200 | 3,681 |
| Average equity | $23,501,600 | 2,674 |
| Average total loans | $100,102,200 | 3,151 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 1,004 |
| Cost of funding earning assets | 0.2619% | 2,578 |
| Net interest margin | 3.8692% | 849 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.6421% | 1,617 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9935% | 2,496 |
| Return on assets (ROA) | 0.9935% | 2,471 |
| Pretax return on assets | 1.2432% | 2,222 |
| Return on Equity (ROE) | 5.2200% | 3,938 |
| Retained earnings to average equity (ytd only) | 5.2235% | 3,012 |
| Net charge-offs to loans | -0.0744% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.9078% | 2,044 |
| Assets per employee ($millions) | 5.5513% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 3,988 |
| Loan loss allowance to noncurrent loans | 496.5116% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 2,665 |
| Noncurrent loans to loans | 0.1710% | 2,738 |
| Net loans and leases to total assets | 78.1300% | 695 |
| Net loans and leases to deposits | 96.5049% | 532 |
| Net loans and leases to core deposits | 103.3386% | 683 |
| Total domestic deposits to total assets | 80.9600% | 3,987 |
| Equity capital to assets | 18.2174% | 260 |
| Core capital (leverage) ratio | 19.3347% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $123,335,000 | 3,727 |
| Average earning assets | $113,508,000 | 3,715 |
| Average equity | $23,457,500 | 2,710 |
| Average total loans | $98,608,250 | 3,173 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 883 |
| Cost of funding earning assets | 0.1802% | 3,178 |
| Net interest margin | 3.8574% | 667 |
| Noninterest income to average assets | 0.3544% | 3,034 |
| Noninterest expense to average assets | 2.6254% | 1,565 |
| Loan and lease loss provision to assets | 0.0033% | 2,547 |
| Net operating income to assets | 1.0223% | 2,081 |
| Return on assets (ROA) | 1.0223% | 2,047 |
| Pretax return on assets | 1.2733% | 1,835 |
| Return on Equity (ROE) | 5.2969% | 3,755 |
| Retained earnings to average equity (ytd only) | 5.2969% | 2,590 |
| Net charge-offs to loans | -0.0551% | 4,274 |
| Credit loss provision to net charge-offs | -7.4074% | 2,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2834% | 2,346 |
| Assets per employee ($millions) | 5.4070% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,113 |
| Loan loss allowance to noncurrent loans | 674.5902% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 3,020 |
| Noncurrent loans to loans | 0.1240% | 3,103 |
| Net loans and leases to total assets | 78.4786% | 523 |
| Net loans and leases to deposits | 97.4411% | 369 |
| Net loans and leases to core deposits | 101.6233% | 607 |
| Total domestic deposits to total assets | 80.5396% | 4,178 |
| Equity capital to assets | 18.7198% | 202 |
| Core capital (leverage) ratio | 19.4938% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,886,667 | 3,782 |
| Average earning assets | $112,095,667 | 3,783 |
| Average equity | $23,523,333 | 2,777 |
| Average total loans | $97,939,667 | 3,213 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 795 |
| Cost of funding earning assets | 0.1659% | 3,279 |
| Net interest margin | 3.8199% | 613 |
| Noninterest income to average assets | 0.2586% | 3,588 |
| Noninterest expense to average assets | 2.5860% | 1,648 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9548% | 2,054 |
| Return on assets (ROA) | 0.9548% | 2,051 |
| Pretax return on assets | 1.1836% | 1,866 |
| Return on Equity (ROE) | 4.8721% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.8721% | 2,638 |
| Net charge-offs to loans | -0.0164% | 3,808 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6016% | 2,430 |
| Assets per employee ($millions) | 5.5496% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8211% | 4,208 |
| Loan loss allowance to noncurrent loans | 440.3315% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 2,758 |
| Noncurrent loans to loans | 0.1865% | 2,885 |
| Net loans and leases to total assets | 78.8502% | 310 |
| Net loans and leases to deposits | 98.7172% | 207 |
| Net loans and leases to core deposits | 102.5808% | 430 |
| Total domestic deposits to total assets | 79.8748% | 4,296 |
| Equity capital to assets | 19.2029% | 189 |
| Core capital (leverage) ratio | 19.6164% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,650,000 | 3,809 |
| Average earning assets | $110,893,500 | 3,808 |
| Average equity | $23,645,000 | 2,859 |
| Average total loans | $97,700,000 | 3,219 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 905 |
| Cost of funding earning assets | 0.1691% | 3,781 |
| Net interest margin | 4.0925% | 608 |
| Noninterest income to average assets | 0.6949% | 1,784 |
| Noninterest expense to average assets | 3.0849% | 861 |
| Loan and lease loss provision to assets | -0.0456% | 4,331 |
| Net operating income to assets | 1.1450% | 2,129 |
| Return on assets (ROA) | 1.1450% | 2,181 |
| Pretax return on assets | 1.4174% | 1,993 |
| Return on Equity (ROE) | 5.5205% | 3,878 |
| Retained earnings to average equity (ytd only) | 5.5205% | 2,554 |
| Net charge-offs to loans | -0.2001% | 4,708 |
| Credit loss provision to net charge-offs | 28.8136% | 2,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2184% | 1,829 |
| Assets per employee ($millions) | 5.4186% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 4,256 |
| Loan loss allowance to noncurrent loans | 411.3990% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 2,808 |
| Noncurrent loans to loans | 0.1963% | 2,966 |
| Net loans and leases to total assets | 81.8227% | 191 |
| Net loans and leases to deposits | 103.7748% | 131 |
| Net loans and leases to core deposits | 112.6510% | 248 |
| Total domestic deposits to total assets | 78.8464% | 4,333 |
| Equity capital to assets | 20.0027% | 180 |
| Core capital (leverage) ratio | 20.3245% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,964,600 | 3,877 |
| Average earning assets | $102,918,800 | 3,878 |
| Average equity | $23,222,600 | 2,961 |
| Average total loans | $88,467,000 | 3,357 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3734% | 851 |
| Cost of funding earning assets | 0.1817% | 3,797 |
| Net interest margin | 4.1917% | 553 |
| Noninterest income to average assets | 0.7238% | 1,754 |
| Noninterest expense to average assets | 3.1156% | 798 |
| Loan and lease loss provision to assets | -0.0654% | 4,511 |
| Net operating income to assets | 1.2068% | 2,146 |
| Return on assets (ROA) | 1.2068% | 2,204 |
| Pretax return on assets | 1.5275% | 1,914 |
| Return on Equity (ROE) | 5.7628% | 3,968 |
| Retained earnings to average equity (ytd only) | 5.7628% | 2,927 |
| Net charge-offs to loans | -0.2682% | 4,799 |
| Credit loss provision to net charge-offs | 31.2139% | 1,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0592% | 1,827 |
| Assets per employee ($millions) | 5.6300% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 4,164 |
| Loan loss allowance to noncurrent loans | 210.4278% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 2,118 |
| Noncurrent loans to loans | 0.4256% | 2,289 |
| Net loans and leases to total assets | 77.3497% | 440 |
| Net loans and leases to deposits | 99.1406% | 243 |
| Net loans and leases to core deposits | 103.2164% | 485 |
| Total domestic deposits to total assets | 78.0202% | 4,424 |
| Equity capital to assets | 20.8981% | 160 |
| Core capital (leverage) ratio | 20.5582% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,153,500 | 3,941 |
| Average earning assets | $101,276,750 | 3,943 |
| Average equity | $23,067,000 | 3,013 |
| Average total loans | $86,000,250 | 3,437 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 803 |
| Cost of funding earning assets | 0.1927% | 3,827 |
| Net interest margin | 4.2494% | 535 |
| Noninterest income to average assets | 0.7079% | 1,778 |
| Noninterest expense to average assets | 3.1242% | 810 |
| Loan and lease loss provision to assets | -0.0732% | 4,569 |
| Net operating income to assets | 1.2402% | 2,054 |
| Return on assets (ROA) | 1.2402% | 2,116 |
| Pretax return on assets | 1.5694% | 1,820 |
| Return on Equity (ROE) | 5.9182% | 3,921 |
| Retained earnings to average equity (ytd only) | 5.9182% | 2,836 |
| Net charge-offs to loans | -0.3022% | 4,844 |
| Credit loss provision to net charge-offs | 31.0078% | 1,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6168% | 1,924 |
| Assets per employee ($millions) | 5.1553% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 4,160 |
| Loan loss allowance to noncurrent loans | 204.0431% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 2,289 |
| Noncurrent loans to loans | 0.4396% | 2,354 |
| Net loans and leases to total assets | 73.7383% | 782 |
| Net loans and leases to deposits | 94.1769% | 454 |
| Net loans and leases to core deposits | 99.1641% | 686 |
| Total domestic deposits to total assets | 78.2976% | 4,411 |
| Equity capital to assets | 20.5077% | 171 |
| Core capital (leverage) ratio | 20.7235% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,338,333 | 3,972 |
| Average earning assets | $100,672,000 | 3,967 |
| Average equity | $22,912,333 | 3,018 |
| Average total loans | $85,373,000 | 3,467 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 720 |
| Cost of funding earning assets | 0.2183% | 3,741 |
| Net interest margin | 4.3373% | 483 |
| Noninterest income to average assets | 0.7679% | 1,668 |
| Noninterest expense to average assets | 3.0830% | 860 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3309% | 1,731 |
| Return on assets (ROA) | 1.3309% | 1,819 |
| Pretax return on assets | 1.6850% | 1,526 |
| Return on Equity (ROE) | 6.2800% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.2800% | 2,799 |
| Net charge-offs to loans | -0.2283% | 4,807 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6599% | 2,389 |
| Assets per employee ($millions) | 5.0175% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 4,293 |
| Loan loss allowance to noncurrent loans | 161.4865% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 2,195 |
| Noncurrent loans to loans | 0.5268% | 2,273 |
| Net loans and leases to total assets | 75.6996% | 655 |
| Net loans and leases to deposits | 96.8116% | 383 |
| Net loans and leases to core deposits | 103.6737% | 583 |
| Total domestic deposits to total assets | 78.1927% | 4,420 |
| Equity capital to assets | 20.7329% | 159 |
| Core capital (leverage) ratio | 21.1266% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,299,500 | 3,995 |
| Average earning assets | $98,954,500 | 3,988 |
| Average equity | $22,739,000 | 3,016 |
| Average total loans | $85,865,500 | 3,471 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 1,521 |
| Cost of funding earning assets | 0.6423% | 2,046 |
| Net interest margin | 3.7781% | 1,563 |
| Noninterest income to average assets | 1.0563% | 952 |
| Noninterest expense to average assets | 3.7515% | 492 |
| Loan and lease loss provision to assets | 0.0148% | 4,189 |
| Net operating income to assets | 0.6497% | 3,597 |
| Return on assets (ROA) | 0.6497% | 3,722 |
| Pretax return on assets | 0.7875% | 3,659 |
| Return on Equity (ROE) | 2.9726% | 4,389 |
| Retained earnings to average equity (ytd only) | 2.9726% | 3,373 |
| Net charge-offs to loans | -0.0193% | 4,416 |
| Credit loss provision to net charge-offs | -93.7500% | 3,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3822% | 724 |
| Assets per employee ($millions) | 4.7370% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 4,491 |
| Loan loss allowance to noncurrent loans | 88.9481% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.7206% | 1,441 |
| Noncurrent loans to loans | 0.8587% | 1,644 |
| Net loans and leases to total assets | 83.2758% | 212 |
| Net loans and leases to deposits | 109.5259% | 169 |
| Net loans and leases to core deposits | 114.1487% | 405 |
| Total domestic deposits to total assets | 76.0330% | 4,505 |
| Equity capital to assets | 21.6785% | 149 |
| Core capital (leverage) ratio | 21.2739% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,585,200 | 3,976 |
| Average earning assets | $94,040,800 | 3,974 |
| Average equity | $22,202,800 | 2,993 |
| Average total loans | $82,843,200 | 3,510 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 1,958 |
| Cost of funding earning assets | 0.7216% | 1,895 |
| Net interest margin | 3.6366% | 2,134 |
| Noninterest income to average assets | 0.9551% | 1,111 |
| Noninterest expense to average assets | 3.2313% | 1,016 |
| Loan and lease loss provision to assets | 0.0198% | 4,086 |
| Net operating income to assets | 0.8640% | 2,846 |
| Return on assets (ROA) | 0.8640% | 2,982 |
| Pretax return on assets | 1.0727% | 2,846 |
| Return on Equity (ROE) | 3.9446% | 4,169 |
| Retained earnings to average equity (ytd only) | 3.9446% | 3,079 |
| Net charge-offs to loans | -0.0163% | 4,363 |
| Credit loss provision to net charge-offs | -150.0000% | 3,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7327% | 1,337 |
| Assets per employee ($millions) | 4.7943% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 4,523 |
| Loan loss allowance to noncurrent loans | 113.1624% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 2,054 |
| Noncurrent loans to loans | 0.6443% | 2,182 |
| Net loans and leases to total assets | 85.4542% | 177 |
| Net loans and leases to deposits | 122.7171% | 92 |
| Net loans and leases to core deposits | 124.7674% | 326 |
| Total domestic deposits to total assets | 69.6352% | 4,770 |
| Equity capital to assets | 21.3787% | 160 |
| Core capital (leverage) ratio | 21.3119% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,928,000 | 3,976 |
| Average earning assets | $93,492,000 | 3,978 |
| Average equity | $22,105,500 | 2,992 |
| Average total loans | $81,690,750 | 3,547 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 2,446 |
| Cost of funding earning assets | 0.8062% | 1,796 |
| Net interest margin | 3.5052% | 2,769 |
| Noninterest income to average assets | 0.8691% | 1,238 |
| Noninterest expense to average assets | 3.2813% | 1,025 |
| Loan and lease loss provision to assets | 0.0080% | 4,092 |
| Net operating income to assets | 0.6659% | 3,523 |
| Return on assets (ROA) | 0.6659% | 3,613 |
| Pretax return on assets | 0.8248% | 3,522 |
| Return on Equity (ROE) | 3.0149% | 4,352 |
| Retained earnings to average equity (ytd only) | 3.0149% | 3,384 |
| Net charge-offs to loans | -0.0127% | 4,272 |
| Credit loss provision to net charge-offs | -80.0000% | 3,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7555% | 910 |
| Assets per employee ($millions) | 4.7206% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 4,474 |
| Loan loss allowance to noncurrent loans | 95.9881% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 1,830 |
| Noncurrent loans to loans | 0.7765% | 1,947 |
| Net loans and leases to total assets | 82.8373% | 337 |
| Net loans and leases to deposits | 119.4482% | 96 |
| Net loans and leases to core deposits | 121.9180% | 379 |
| Total domestic deposits to total assets | 69.3499% | 4,811 |
| Equity capital to assets | 21.4236% | 164 |
| Core capital (leverage) ratio | 21.8916% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,412,667 | 4,003 |
| Average earning assets | $92,035,000 | 3,998 |
| Average equity | $21,957,667 | 2,993 |
| Average total loans | $78,656,333 | 3,604 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 2,498 |
| Cost of funding earning assets | 0.8475% | 2,126 |
| Net interest margin | 3.5852% | 2,719 |
| Noninterest income to average assets | 0.4362% | 2,872 |
| Noninterest expense to average assets | 3.2924% | 1,240 |
| Loan and lease loss provision to assets | 0.0123% | 3,624 |
| Net operating income to assets | 0.3827% | 4,174 |
| Return on assets (ROA) | 0.3827% | 4,208 |
| Pretax return on assets | 0.4568% | 4,195 |
| Return on Equity (ROE) | 1.7055% | 4,512 |
| Retained earnings to average equity (ytd only) | 1.7055% | 3,547 |
| Net charge-offs to loans | -0.0214% | 4,354 |
| Credit loss provision to net charge-offs | -75.0000% | 3,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5274% | 607 |
| Assets per employee ($millions) | 4.2166% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 4,244 |
| Loan loss allowance to noncurrent loans | 84.6255% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 1,673 |
| Noncurrent loans to loans | 1.0164% | 1,630 |
| Net loans and leases to total assets | 76.5408% | 1,207 |
| Net loans and leases to deposits | 111.3528% | 169 |
| Net loans and leases to core deposits | 114.2844% | 655 |
| Total domestic deposits to total assets | 68.7372% | 4,901 |
| Equity capital to assets | 22.6271% | 158 |
| Core capital (leverage) ratio | 22.3890% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,192,500 | 4,029 |
| Average earning assets | $90,147,500 | 4,023 |
| Average equity | $21,812,000 | 3,009 |
| Average total loans | $74,647,000 | 3,671 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 2,310 |
| Cost of funding earning assets | 0.8462% | 2,449 |
| Net interest margin | 3.8583% | 2,310 |
| Noninterest income to average assets | 0.4873% | 2,820 |
| Noninterest expense to average assets | 3.4812% | 988 |
| Loan and lease loss provision to assets | 0.0064% | 3,879 |
| Net operating income to assets | 0.4693% | 4,468 |
| Return on assets (ROA) | 0.4693% | 4,511 |
| Pretax return on assets | 0.5722% | 4,461 |
| Return on Equity (ROE) | 2.0582% | 4,790 |
| Retained earnings to average equity (ytd only) | 2.0582% | 3,970 |
| Net charge-offs to loans | -0.0363% | 4,754 |
| Credit loss provision to net charge-offs | -22.2222% | 4,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7479% | 555 |
| Assets per employee ($millions) | 4.0585% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 4,134 |
| Loan loss allowance to noncurrent loans | 78.1595% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8367% | 1,539 |
| Noncurrent loans to loans | 1.0951% | 1,378 |
| Net loans and leases to total assets | 75.7495% | 1,454 |
| Net loans and leases to deposits | 109.5158% | 198 |
| Net loans and leases to core deposits | 112.8008% | 724 |
| Total domestic deposits to total assets | 69.1676% | 4,964 |
| Equity capital to assets | 22.2578% | 176 |
| Core capital (leverage) ratio | 22.4031% | 166 |
| Tier 1 risk-based capital ratio | 34.7260% | 335 |
| Total risk-based capital ratio | 35.7481% | 333 |
| Memoranda: | ||
| Average total assets | $94,191,000 | 4,082 |
| Average earning assets | $87,213,800 | 4,078 |
| Average equity | $21,475,400 | 3,008 |
| Average total loans | $74,315,000 | 3,695 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 2,081 |
| Cost of funding earning assets | 0.8335% | 2,545 |
| Net interest margin | 3.9790% | 2,018 |
| Noninterest income to average assets | 0.3898% | 3,380 |
| Noninterest expense to average assets | 3.3951% | 1,105 |
| Loan and lease loss provision to assets | 0.0143% | 3,619 |
| Net operating income to assets | 0.5397% | 4,429 |
| Return on assets (ROA) | 0.5397% | 4,484 |
| Pretax return on assets | 0.6610% | 4,428 |
| Return on Equity (ROE) | 2.3524% | 4,866 |
| Retained earnings to average equity (ytd only) | 2.3524% | 4,156 |
| Net charge-offs to loans | -0.0233% | 4,623 |
| Credit loss provision to net charge-offs | -76.9231% | 4,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4093% | 654 |
| Assets per employee ($millions) | 3.9951% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 4,193 |
| Loan loss allowance to noncurrent loans | 82.2835% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.8469% | 1,623 |
| Noncurrent loans to loans | 1.0473% | 1,528 |
| Net loans and leases to total assets | 75.2271% | 1,611 |
| Net loans and leases to deposits | 109.2366% | 238 |
| Net loans and leases to core deposits | 112.5642% | 815 |
| Total domestic deposits to total assets | 68.8662% | 5,036 |
| Equity capital to assets | 22.5441% | 168 |
| Core capital (leverage) ratio | 22.9235% | 157 |
| Tier 1 risk-based capital ratio | 35.2336% | 336 |
| Total risk-based capital ratio | 36.2572% | 338 |
| Memoranda: | ||
| Average total assets | $93,387,750 | 4,143 |
| Average earning assets | $86,384,750 | 4,141 |
| Average equity | $21,424,250 | 3,030 |
| Average total loans | $74,288,750 | 3,737 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8695% | 1,847 |
| Cost of funding earning assets | 0.8159% | 2,569 |
| Net interest margin | 4.0536% | 1,751 |
| Noninterest income to average assets | 0.3587% | 3,531 |
| Noninterest expense to average assets | 3.4790% | 984 |
| Loan and lease loss provision to assets | 0.0108% | 3,537 |
| Net operating income to assets | 0.5035% | 4,521 |
| Return on assets (ROA) | 0.5035% | 4,556 |
| Pretax return on assets | 0.6158% | 4,515 |
| Return on Equity (ROE) | 2.1816% | 4,918 |
| Retained earnings to average equity (ytd only) | 2.1816% | 4,057 |
| Net charge-offs to loans | -0.0187% | 4,526 |
| Credit loss provision to net charge-offs | -71.4286% | 3,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7368% | 607 |
| Assets per employee ($millions) | 3.6992% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8569% | 4,246 |
| Loan loss allowance to noncurrent loans | 66.0236% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.0089% | 1,386 |
| Noncurrent loans to loans | 1.2979% | 1,215 |
| Net loans and leases to total assets | 77.0621% | 1,377 |
| Net loans and leases to deposits | 113.3868% | 155 |
| Net loans and leases to core deposits | 116.5255% | 662 |
| Total domestic deposits to total assets | 67.9639% | 5,107 |
| Equity capital to assets | 23.2169% | 157 |
| Core capital (leverage) ratio | 23.1675% | 146 |
| Tier 1 risk-based capital ratio | 36.0077% | 311 |
| Total risk-based capital ratio | 37.0424% | 310 |
| Memoranda: | ||
| Average total assets | $92,556,000 | 4,184 |
| Average earning assets | $85,553,670 | 4,183 |
| Average equity | $21,360,330 | 3,030 |
| Average total loans | $74,799,330 | 3,745 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 1,827 |
| Cost of funding earning assets | 0.7943% | 2,567 |
| Net interest margin | 4.0322% | 1,744 |
| Noninterest income to average assets | 0.4406% | 2,907 |
| Noninterest expense to average assets | 3.4430% | 1,048 |
| Loan and lease loss provision to assets | 0.0173% | 3,212 |
| Net operating income to assets | 0.5789% | 4,306 |
| Return on assets (ROA) | 0.5789% | 4,340 |
| Pretax return on assets | 0.7085% | 4,282 |
| Return on Equity (ROE) | 2.5158% | 4,892 |
| Retained earnings to average equity (ytd only) | 2.5158% | 3,921 |
| Net charge-offs to loans | -0.0210% | 4,504 |
| Credit loss provision to net charge-offs | -100.0000% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5907% | 822 |
| Assets per employee ($millions) | 3.7054% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 4,466 |
| Loan loss allowance to noncurrent loans | 56.9832% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.1799% | 1,138 |
| Noncurrent loans to loans | 1.4364% | 1,130 |
| Net loans and leases to total assets | 80.0553% | 824 |
| Net loans and leases to deposits | 117.8340% | 104 |
| Net loans and leases to core deposits | 121.0756% | 494 |
| Total domestic deposits to total assets | 67.9390% | 5,179 |
| Equity capital to assets | 23.0709% | 144 |
| Core capital (leverage) ratio | 23.0532% | 148 |
| Tier 1 risk-based capital ratio | 35.6513% | 308 |
| Total risk-based capital ratio | 36.6738% | 308 |
| Memoranda: | ||
| Average total assets | $92,594,000 | 4,224 |
| Average earning assets | $85,611,000 | 4,228 |
| Average equity | $21,305,000 | 3,039 |
| Average total loans | $76,257,500 | 3,763 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 1,491 |
| Cost of funding earning assets | 0.5990% | 2,728 |
| Net interest margin | 4.2244% | 1,340 |
| Noninterest income to average assets | 0.3864% | 3,518 |
| Noninterest expense to average assets | 3.8593% | 636 |
| Loan and lease loss provision to assets | -0.0112% | 5,111 |
| Net operating income to assets | 0.3360% | 4,967 |
| Return on assets (ROA) | 0.3360% | 4,959 |
| Pretax return on assets | 0.4323% | 4,904 |
| Return on Equity (ROE) | 1.4229% | 5,119 |
| Retained earnings to average equity (ytd only) | 1.4229% | 4,566 |
| Net charge-offs to loans | 0.0013% | 3,722 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,728 |
| Earnings coverage of net charge-offs (x) | 376.0000% | 272 |
| Efficiency ratio | 90.1622% | 338 |
| Assets per employee ($millions) | 3.7021% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7769% | 4,611 |
| Loan loss allowance to noncurrent loans | 56.4486% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.1939% | 1,097 |
| Noncurrent loans to loans | 1.3763% | 1,136 |
| Net loans and leases to total assets | 83.3467% | 479 |
| Net loans and leases to deposits | 122.2178% | 81 |
| Net loans and leases to core deposits | 125.0450% | 417 |
| Total domestic deposits to total assets | 68.1952% | 5,202 |
| Equity capital to assets | 22.9471% | 147 |
| Core capital (leverage) ratio | 23.3309% | 137 |
| Tier 1 risk-based capital ratio | 33.9979% | 340 |
| Total risk-based capital ratio | 34.9660% | 341 |
| Memoranda: | ||
| Average total assets | $89,290,000 | 4,280 |
| Average earning assets | $82,308,200 | 4,277 |
| Average equity | $21,084,200 | 2,982 |
| Average total loans | $76,788,000 | 3,733 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8180% | 1,381 |
| Cost of funding earning assets | 0.5564% | 2,820 |
| Net interest margin | 4.2615% | 1,207 |
| Noninterest income to average assets | 0.3466% | 3,823 |
| Noninterest expense to average assets | 3.7569% | 700 |
| Loan and lease loss provision to assets | 0.0060% | 3,853 |
| Net operating income to assets | 0.4009% | 4,955 |
| Return on assets (ROA) | 0.4009% | 4,956 |
| Pretax return on assets | 0.5079% | 4,894 |
| Return on Equity (ROE) | 1.6852% | 5,167 |
| Retained earnings to average equity (ytd only) | 1.6852% | 4,678 |
| Net charge-offs to loans | 0.0139% | 2,926 |
| Credit loss provision to net charge-offs | 50.0000% | 2,827 |
| Earnings coverage of net charge-offs (x) | 42.6111% | 1,303 |
| Efficiency ratio | 87.9675% | 405 |
| Assets per employee ($millions) | 3.3088% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 4,707 |
| Loan loss allowance to noncurrent loans | 61.4070% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.1529% | 1,234 |
| Noncurrent loans to loans | 1.2560% | 1,344 |
| Net loans and leases to total assets | 87.9882% | 144 |
| Net loans and leases to deposits | 127.3817% | 61 |
| Net loans and leases to core deposits | 130.3842% | 324 |
| Total domestic deposits to total assets | 69.0744% | 5,257 |
| Equity capital to assets | 23.7348% | 130 |
| Core capital (leverage) ratio | 23.8712% | 127 |
| Tier 1 risk-based capital ratio | 33.6417% | 356 |
| Total risk-based capital ratio | 34.6113% | 352 |
| Memoranda: | ||
| Average total assets | $88,474,500 | 4,339 |
| Average earning assets | $81,470,750 | 4,340 |
| Average equity | $21,045,750 | 3,000 |
| Average total loans | $76,549,250 | 3,772 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 1,501 |
| Cost of funding earning assets | 0.5100% | 2,930 |
| Net interest margin | 4.1937% | 1,306 |
| Noninterest income to average assets | 0.3266% | 4,011 |
| Noninterest expense to average assets | 3.8759% | 624 |
| Loan and lease loss provision to assets | 0.0091% | 3,662 |
| Net operating income to assets | 0.2381% | 5,190 |
| Return on assets (ROA) | 0.2381% | 5,185 |
| Pretax return on assets | 0.3016% | 5,162 |
| Return on Equity (ROE) | 1.0003% | 5,273 |
| Retained earnings to average equity (ytd only) | 1.0003% | 4,758 |
| Net charge-offs to loans | -0.0079% | 4,235 |
| Credit loss provision to net charge-offs | -133.3333% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5785% | 290 |
| Assets per employee ($millions) | 3.2700% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 4,715 |
| Loan loss allowance to noncurrent loans | 68.3516% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.0307% | 1,456 |
| Noncurrent loans to loans | 1.1613% | 1,501 |
| Net loans and leases to total assets | 88.0519% | 135 |
| Net loans and leases to deposits | 127.6074% | 56 |
| Net loans and leases to core deposits | 129.5575% | 342 |
| Total domestic deposits to total assets | 69.0022% | 5,309 |
| Equity capital to assets | 23.8340% | 131 |
| Core capital (leverage) ratio | 23.8690% | 128 |
| Tier 1 risk-based capital ratio | 33.1467% | 368 |
| Total risk-based capital ratio | 34.1276% | 372 |
| Memoranda: | ||
| Average total assets | $88,187,000 | 4,380 |
| Average earning assets | $81,169,000 | 4,380 |
| Average equity | $20,993,000 | 3,020 |
| Average total loans | $75,660,000 | 3,817 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 1,527 |
| Cost of funding earning assets | 0.4776% | 2,982 |
| Net interest margin | 4.1363% | 1,346 |
| Noninterest income to average assets | 0.2768% | 4,317 |
| Noninterest expense to average assets | 3.7306% | 730 |
| Loan and lease loss provision to assets | 0.0182% | 3,296 |
| Net operating income to assets | 0.2678% | 5,141 |
| Return on assets (ROA) | 0.2678% | 5,142 |
| Pretax return on assets | 0.3404% | 5,112 |
| Return on Equity (ROE) | 1.1255% | 5,295 |
| Retained earnings to average equity (ytd only) | 1.1255% | 4,597 |
| Net charge-offs to loans | -0.0161% | 4,449 |
| Credit loss provision to net charge-offs | -133.3333% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2320% | 392 |
| Assets per employee ($millions) | 3.2547% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 4,718 |
| Loan loss allowance to noncurrent loans | 183.4808% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 3,295 |
| Noncurrent loans to loans | 0.4502% | 3,189 |
| Net loans and leases to total assets | 84.9883% | 340 |
| Net loans and leases to deposits | 120.2654% | 110 |
| Net loans and leases to core deposits | 131.5844% | 309 |
| Total domestic deposits to total assets | 70.6673% | 5,345 |
| Equity capital to assets | 23.8945% | 122 |
| Core capital (leverage) ratio | 23.8021% | 123 |
| Tier 1 risk-based capital ratio | 34.4912% | 339 |
| Total risk-based capital ratio | 35.5141% | 337 |
| Memoranda: | ||
| Average total assets | $88,135,500 | 4,428 |
| Average earning assets | $81,231,500 | 4,425 |
| Average equity | $20,968,000 | 3,048 |
| Average total loans | $74,308,500 | 3,873 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 903 |
| Cost of funding earning assets | 0.4436% | 2,841 |
| Net interest margin | 4.3987% | 774 |
| Noninterest income to average assets | 0.3855% | 3,729 |
| Noninterest expense to average assets | 4.1505% | 450 |
| Loan and lease loss provision to assets | -0.0474% | 5,390 |
| Net operating income to assets | 0.4081% | 4,664 |
| Return on assets (ROA) | 0.4081% | 4,687 |
| Pretax return on assets | 0.3760% | 5,119 |
| Return on Equity (ROE) | 1.6571% | 5,122 |
| Retained earnings to average equity (ytd only) | 1.6571% | 4,307 |
| Net charge-offs to loans | 0.1547% | 1,564 |
| Credit loss provision to net charge-offs | -35.7143% | 4,629 |
| Earnings coverage of net charge-offs (x) | 2.4732% | 3,738 |
| Efficiency ratio | 92.6642% | 334 |
| Assets per employee ($millions) | 3.2738% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8389% | 4,701 |
| Loan loss allowance to noncurrent loans | 199.6753% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 3,471 |
| Noncurrent loans to loans | 0.4201% | 3,269 |
| Net loans and leases to total assets | 82.2395% | 651 |
| Net loans and leases to deposits | 117.0558% | 141 |
| Net loans and leases to core deposits | 128.0523% | 384 |
| Total domestic deposits to total assets | 70.2567% | 5,398 |
| Equity capital to assets | 23.6874% | 122 |
| Core capital (leverage) ratio | 23.9975% | 112 |
| Tier 1 risk-based capital ratio | 36.5268% | 288 |
| Total risk-based capital ratio | 37.6018% | 283 |
| Memoranda: | ||
| Average total assets | $84,303,000 | 4,506 |
| Average earning assets | $78,455,600 | 4,487 |
| Average equity | $20,758,600 | 3,058 |
| Average total loans | $72,420,400 | 3,908 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8621% | 821 |
| Cost of funding earning assets | 0.4292% | 2,892 |
| Net interest margin | 4.4329% | 685 |
| Noninterest income to average assets | 0.3650% | 3,913 |
| Noninterest expense to average assets | 4.0505% | 487 |
| Loan and lease loss provision to assets | -0.0624% | 5,540 |
| Net operating income to assets | 0.3474% | 5,120 |
| Return on assets (ROA) | 0.3474% | 5,139 |
| Pretax return on assets | 0.5107% | 5,009 |
| Return on Equity (ROE) | 1.3968% | 5,386 |
| Retained earnings to average equity (ytd only) | 1.3968% | 4,853 |
| Net charge-offs to loans | 0.0665% | 2,173 |
| Credit loss provision to net charge-offs | -108.3333% | 4,520 |
| Earnings coverage of net charge-offs (x) | 7.7775% | 2,840 |
| Efficiency ratio | 90.0356% | 405 |
| Assets per employee ($millions) | 3.0660% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 4,453 |
| Loan loss allowance to noncurrent loans | 237.8007% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 3,185 |
| Noncurrent loans to loans | 0.3882% | 3,564 |
| Net loans and leases to total assets | 86.5157% | 225 |
| Net loans and leases to deposits | 124.4004% | 67 |
| Net loans and leases to core deposits | 136.5721% | 252 |
| Total domestic deposits to total assets | 69.5462% | 5,490 |
| Equity capital to assets | 24.2417% | 117 |
| Core capital (leverage) ratio | 24.5680% | 108 |
| Tier 1 risk-based capital ratio | 36.4753% | 293 |
| Total risk-based capital ratio | 37.6895% | 290 |
| Memoranda: | ||
| Average total assets | $83,280,500 | 4,576 |
| Average earning assets | $77,660,500 | 4,549 |
| Average equity | $20,713,750 | 3,082 |
| Average total loans | $72,198,250 | 3,943 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 751 |
| Cost of funding earning assets | 0.4117% | 2,961 |
| Net interest margin | 4.4540% | 631 |
| Noninterest income to average assets | 0.4246% | 3,528 |
| Noninterest expense to average assets | 4.1007% | 470 |
| Loan and lease loss provision to assets | -0.0024% | 5,520 |
| Net operating income to assets | 0.3446% | 5,112 |
| Return on assets (ROA) | 0.3446% | 5,131 |
| Pretax return on assets | 0.4999% | 5,004 |
| Return on Equity (ROE) | 1.3732% | 5,434 |
| Retained earnings to average equity (ytd only) | 1.3732% | 4,705 |
| Net charge-offs to loans | 0.0730% | 1,894 |
| Credit loss provision to net charge-offs | -3.8462% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.8846% | 2,565 |
| Efficiency ratio | 89.1821% | 491 |
| Assets per employee ($millions) | 2.9796% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 3,960 |
| Loan loss allowance to noncurrent loans | 161.2200% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 2,561 |
| Noncurrent loans to loans | 0.6389% | 2,817 |
| Net loans and leases to total assets | 85.2196% | 326 |
| Net loans and leases to deposits | 120.8167% | 90 |
| Net loans and leases to core deposits | 133.4053% | 262 |
| Total domestic deposits to total assets | 70.5363% | 5,521 |
| Equity capital to assets | 24.8550% | 102 |
| Core capital (leverage) ratio | 25.0205% | 97 |
| Tier 1 risk-based capital ratio | 37.1676% | 260 |
| Total risk-based capital ratio | 38.4172% | 258 |
| Memoranda: | ||
| Average total assets | $82,424,670 | 4,621 |
| Average earning assets | $77,233,670 | 4,581 |
| Average equity | $20,681,330 | 3,090 |
| Average total loans | $71,276,330 | 3,983 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 825 |
| Cost of funding earning assets | 0.4022% | 2,974 |
| Net interest margin | 4.3569% | 692 |
| Noninterest income to average assets | 0.3808% | 3,800 |
| Noninterest expense to average assets | 3.6131% | 887 |
| Loan and lease loss provision to assets | 0.0049% | 3,494 |
| Net operating income to assets | 0.5859% | 4,213 |
| Return on assets (ROA) | 0.5859% | 4,259 |
| Pretax return on assets | 0.8886% | 3,813 |
| Return on Equity (ROE) | 2.3240% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.3240% | 4,212 |
| Net charge-offs to loans | 0.0620% | 1,711 |
| Credit loss provision to net charge-offs | 9.0909% | 2,231 |
| Earnings coverage of net charge-offs (x) | 16.6364% | 1,634 |
| Efficiency ratio | 80.1733% | 1,364 |
| Assets per employee ($millions) | 3.0415% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 3,878 |
| Loan loss allowance to noncurrent loans | 135.1786% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 1,922 |
| Noncurrent loans to loans | 0.7927% | 2,474 |
| Net loans and leases to total assets | 85.1072% | 276 |
| Net loans and leases to deposits | 121.6113% | 78 |
| Net loans and leases to core deposits | 134.5954% | 215 |
| Total domestic deposits to total assets | 69.9830% | 5,632 |
| Equity capital to assets | 25.2241% | 99 |
| Core capital (leverage) ratio | 25.2516% | 96 |
| Tier 1 risk-based capital ratio | 39.3342% | 231 |
| Total risk-based capital ratio | 40.5859% | 228 |
| Memoranda: | ||
| Average total assets | $81,923,000 | 4,677 |
| Average earning assets | $77,578,000 | 4,620 |
| Average equity | $20,654,000 | 3,105 |
| Average total loans | $70,996,000 | 4,028 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 755 |
| Cost of funding earning assets | 0.4428% | 2,592 |
| Net interest margin | 4.4459% | 696 |
| Noninterest income to average assets | 0.5628% | 2,854 |
| Noninterest expense to average assets | 3.8907% | 700 |
| Loan and lease loss provision to assets | -0.4151% | 5,865 |
| Net operating income to assets | 0.8607% | 3,022 |
| Return on assets (ROA) | 0.8607% | 3,133 |
| Pretax return on assets | 1.3038% | 2,270 |
| Return on Equity (ROE) | 3.4680% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.4680% | 3,460 |
| Net charge-offs to loans | 0.0570% | 2,911 |
| Credit loss provision to net charge-offs | -829.2683% | 5,270 |
| Earnings coverage of net charge-offs (x) | 17.7561% | 2,018 |
| Efficiency ratio | 81.4049% | 1,269 |
| Assets per employee ($millions) | 2.8181% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,857 |
| Loan loss allowance to noncurrent loans | 259.1216% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 3,833 |
| Noncurrent loans to loans | 0.4149% | 3,658 |
| Net loans and leases to total assets | 86.3593% | 217 |
| Net loans and leases to deposits | 123.5977% | 63 |
| Net loans and leases to core deposits | 136.2089% | 215 |
| Total domestic deposits to total assets | 69.8713% | 5,670 |
| Equity capital to assets | 25.1988% | 99 |
| Core capital (leverage) ratio | 25.1292% | 97 |
| Tier 1 risk-based capital ratio | 39.7299% | 224 |
| Total risk-based capital ratio | 40.9817% | 221 |
| Memoranda: | ||
| Average total assets | $81,913,600 | 4,696 |
| Average earning assets | $77,690,400 | 4,634 |
| Average equity | $20,328,800 | 3,135 |
| Average total loans | $71,978,000 | 3,997 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8381% | 832 |
| Cost of funding earning assets | 0.4512% | 2,551 |
| Net interest margin | 4.3869% | 794 |
| Noninterest income to average assets | 0.4831% | 3,361 |
| Noninterest expense to average assets | 3.6456% | 925 |
| Loan and lease loss provision to assets | -0.5092% | 5,944 |
| Net operating income to assets | 0.9940% | 2,464 |
| Return on assets (ROA) | 0.9940% | 2,603 |
| Pretax return on assets | 1.5064% | 1,688 |
| Return on Equity (ROE) | 4.0205% | 4,890 |
| Retained earnings to average equity (ytd only) | 4.0205% | 3,441 |
| Net charge-offs to loans | 0.1238% | 1,720 |
| Credit loss provision to net charge-offs | -467.1642% | 5,060 |
| Earnings coverage of net charge-offs (x) | 9.1493% | 2,703 |
| Efficiency ratio | 78.5214% | 1,612 |
| Assets per employee ($millions) | 2.8282% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 4,087 |
| Loan loss allowance to noncurrent loans | 61.0979% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.5326% | 1,160 |
| Noncurrent loans to loans | 1.7304% | 1,204 |
| Net loans and leases to total assets | 87.6318% | 158 |
| Net loans and leases to deposits | 124.6670% | 74 |
| Net loans and leases to core deposits | 137.2329% | 216 |
| Total domestic deposits to total assets | 70.2927% | 5,679 |
| Equity capital to assets | 24.9960% | 106 |
| Core capital (leverage) ratio | 25.0492% | 99 |
| Tier 1 risk-based capital ratio | 39.0909% | 239 |
| Total risk-based capital ratio | 40.3427% | 237 |
| Memoranda: | ||
| Average total assets | $81,960,500 | 4,734 |
| Average earning assets | $77,714,000 | 4,672 |
| Average equity | $20,262,500 | 3,163 |
| Average total loans | $72,136,250 | 4,016 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 726 |
| Cost of funding earning assets | 0.4583% | 2,493 |
| Net interest margin | 4.4414% | 700 |
| Noninterest income to average assets | 0.5565% | 2,871 |
| Noninterest expense to average assets | 3.4830% | 1,191 |
| Loan and lease loss provision to assets | -0.7591% | 6,036 |
| Net operating income to assets | 1.3473% | 1,173 |
| Return on assets (ROA) | 1.3473% | 1,242 |
| Pretax return on assets | 2.0429% | 526 |
| Return on Equity (ROE) | 5.4699% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.4699% | 2,440 |
| Net charge-offs to loans | 0.0695% | 2,197 |
| Credit loss provision to net charge-offs | -1,244.0000% | 5,139 |
| Earnings coverage of net charge-offs (x) | 21.0400% | 1,701 |
| Efficiency ratio | 73.0671% | 2,505 |
| Assets per employee ($millions) | 3.0210% | 5,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,864 |
| Loan loss allowance to noncurrent loans | 85.9259% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.1586% | 1,823 |
| Noncurrent loans to loans | 1.2980% | 1,742 |
| Net loans and leases to total assets | 88.2635% | 127 |
| Net loans and leases to deposits | 125.5787% | 64 |
| Net loans and leases to core deposits | 138.3337% | 204 |
| Total domestic deposits to total assets | 70.2854% | 5,772 |
| Equity capital to assets | 25.0607% | 101 |
| Core capital (leverage) ratio | 24.9573% | 95 |
| Tier 1 risk-based capital ratio | 38.2676% | 257 |
| Total risk-based capital ratio | 39.5200% | 253 |
| Memoranda: | ||
| Average total assets | $81,941,670 | 4,773 |
| Average earning assets | $77,678,670 | 4,708 |
| Average equity | $20,183,000 | 3,177 |
| Average total loans | $71,968,000 | 4,042 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 831 |
| Cost of funding earning assets | 0.4315% | 2,757 |
| Net interest margin | 4.3769% | 780 |
| Noninterest income to average assets | 0.8280% | 1,527 |
| Noninterest expense to average assets | 3.4141% | 1,353 |
| Loan and lease loss provision to assets | -0.8718% | 6,102 |
| Net operating income to assets | 1.6072% | 692 |
| Return on assets (ROA) | 1.6072% | 736 |
| Pretax return on assets | 2.4352% | 264 |
| Return on Equity (ROE) | 6.5822% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.5822% | 2,092 |
| Net charge-offs to loans | 0.0112% | 2,750 |
| Credit loss provision to net charge-offs | -8,950.0000% | 5,063 |
| Earnings coverage of net charge-offs (x) | 160.5000% | 374 |
| Efficiency ratio | 68.5910% | 3,365 |
| Assets per employee ($millions) | 3.2897% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 2,797 |
| Loan loss allowance to noncurrent loans | 86.9604% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.3521% | 1,567 |
| Noncurrent loans to loans | 1.5183% | 1,543 |
| Net loans and leases to total assets | 87.8809% | 121 |
| Net loans and leases to deposits | 123.9220% | 69 |
| Net loans and leases to core deposits | 136.2522% | 206 |
| Total domestic deposits to total assets | 70.9163% | 5,825 |
| Equity capital to assets | 24.5848% | 99 |
| Core capital (leverage) ratio | 24.6183% | 98 |
| Tier 1 risk-based capital ratio | 37.6791% | 274 |
| Total risk-based capital ratio | 38.9352% | 272 |
| Memoranda: | ||
| Average total assets | $82,129,500 | 4,811 |
| Average earning assets | $77,864,000 | 4,750 |
| Average equity | $20,054,000 | 3,195 |
| Average total loans | $71,549,500 | 4,077 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 882 |
| Cost of funding earning assets | 0.5385% | 1,851 |
| Net interest margin | 4.2874% | 985 |
| Noninterest income to average assets | 0.3556% | 4,360 |
| Noninterest expense to average assets | 3.9636% | 706 |
| Loan and lease loss provision to assets | -0.1310% | 5,900 |
| Net operating income to assets | 0.4049% | 5,043 |
| Return on assets (ROA) | 0.4049% | 5,122 |
| Pretax return on assets | 0.5887% | 4,876 |
| Return on Equity (ROE) | 1.7103% | 5,646 |
| Retained earnings to average equity (ytd only) | 1.7103% | 4,752 |
| Net charge-offs to loans | 0.2177% | 1,358 |
| Credit loss provision to net charge-offs | -72.1854% | 5,097 |
| Earnings coverage of net charge-offs (x) | 2.5232% | 3,883 |
| Efficiency ratio | 89.6467% | 709 |
| Assets per employee ($millions) | 3.1545% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 1,491 |
| Loan loss allowance to noncurrent loans | 217.0132% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 3,115 |
| Noncurrent loans to loans | 0.7573% | 2,909 |
| Net loans and leases to total assets | 83.7741% | 412 |
| Net loans and leases to deposits | 117.5699% | 123 |
| Net loans and leases to core deposits | 129.2227% | 278 |
| Total domestic deposits to total assets | 71.2547% | 5,837 |
| Equity capital to assets | 24.2499% | 110 |
| Core capital (leverage) ratio | 24.2555% | 100 |
| Tier 1 risk-based capital ratio | 39.1655% | 240 |
| Total risk-based capital ratio | 40.4277% | 237 |
| Memoranda: | ||
| Average total assets | $83,231,400 | 4,805 |
| Average earning assets | $78,929,200 | 4,742 |
| Average equity | $19,704,400 | 3,204 |
| Average total loans | $69,376,800 | 4,108 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 890 |
| Cost of funding earning assets | 0.5638% | 1,677 |
| Net interest margin | 4.2627% | 1,034 |
| Noninterest income to average assets | 0.3256% | 4,611 |
| Noninterest expense to average assets | 3.8705% | 768 |
| Loan and lease loss provision to assets | -0.1516% | 6,063 |
| Net operating income to assets | 0.4294% | 5,052 |
| Return on assets (ROA) | 0.4294% | 5,138 |
| Pretax return on assets | 0.6496% | 4,831 |
| Return on Equity (ROE) | 1.8245% | 5,703 |
| Retained earnings to average equity (ytd only) | 1.8245% | 4,964 |
| Net charge-offs to loans | 0.1020% | 2,117 |
| Credit loss provision to net charge-offs | -179.2453% | 5,152 |
| Earnings coverage of net charge-offs (x) | 5.8872% | 3,138 |
| Efficiency ratio | 88.6007% | 790 |
| Assets per employee ($millions) | 3.0362% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7949% | 1,278 |
| Loan loss allowance to noncurrent loans | 231.1927% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 3,262 |
| Noncurrent loans to loans | 0.7764% | 3,023 |
| Net loans and leases to total assets | 84.0945% | 379 |
| Net loans and leases to deposits | 117.7639% | 126 |
| Net loans and leases to core deposits | 129.3949% | 283 |
| Total domestic deposits to total assets | 71.4094% | 5,904 |
| Equity capital to assets | 24.1784% | 111 |
| Core capital (leverage) ratio | 23.9549% | 107 |
| Tier 1 risk-based capital ratio | 39.0885% | 261 |
| Total risk-based capital ratio | 40.3526% | 258 |
| Memoranda: | ||
| Average total assets | $83,535,000 | 4,857 |
| Average earning assets | $79,228,750 | 4,795 |
| Average equity | $19,658,250 | 3,236 |
| Average total loans | $69,256,750 | 4,150 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7973% | 896 |
| Cost of funding earning assets | 0.5802% | 1,559 |
| Net interest margin | 4.2171% | 1,075 |
| Noninterest income to average assets | 0.3641% | 4,338 |
| Noninterest expense to average assets | 3.9142% | 751 |
| Loan and lease loss provision to assets | -0.1190% | 6,103 |
| Net operating income to assets | 0.3736% | 5,222 |
| Return on assets (ROA) | 0.3736% | 5,337 |
| Pretax return on assets | 0.5639% | 5,066 |
| Return on Equity (ROE) | 1.6017% | 5,780 |
| Retained earnings to average equity (ytd only) | 1.6017% | 4,899 |
| Net charge-offs to loans | 0.1247% | 1,758 |
| Credit loss provision to net charge-offs | -116.2791% | 4,926 |
| Earnings coverage of net charge-offs (x) | 4.3488% | 3,050 |
| Efficiency ratio | 89.7926% | 770 |
| Assets per employee ($millions) | 3.2102% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8878% | 1,191 |
| Loan loss allowance to noncurrent loans | 363.2597% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4337% | 4,186 |
| Noncurrent loans to loans | 0.5197% | 3,899 |
| Net loans and leases to total assets | 81.8808% | 567 |
| Net loans and leases to deposits | 116.5095% | 143 |
| Net loans and leases to core deposits | 128.0321% | 309 |
| Total domestic deposits to total assets | 70.2782% | 6,025 |
| Equity capital to assets | 23.6138% | 116 |
| Core capital (leverage) ratio | 23.4698% | 111 |
| Tier 1 risk-based capital ratio | 40.1831% | 250 |
| Total risk-based capital ratio | 41.4492% | 250 |
| Memoranda: | ||
| Average total assets | $84,054,000 | 4,894 |
| Average earning assets | $79,628,670 | 4,835 |
| Average equity | $19,604,000 | 3,261 |
| Average total loans | $68,942,670 | 4,192 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 1,006 |
| Cost of funding earning assets | 0.5708% | 1,653 |
| Net interest margin | 4.1460% | 1,170 |
| Noninterest income to average assets | 0.2371% | 5,268 |
| Noninterest expense to average assets | 4.0166% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0948% | 5,885 |
| Return on assets (ROA) | 0.0948% | 5,942 |
| Pretax return on assets | 0.1470% | 5,902 |
| Return on Equity (ROE) | 0.4092% | 5,996 |
| Retained earnings to average equity (ytd only) | 0.4092% | 5,244 |
| Net charge-offs to loans | 0.2333% | 1,017 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.7750% | 3,012 |
| Efficiency ratio | 96.4692% | 487 |
| Assets per employee ($millions) | 3.3796% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 1,119 |
| Loan loss allowance to noncurrent loans | 300.6593% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 3,883 |
| Noncurrent loans to loans | 0.6587% | 3,627 |
| Net loans and leases to total assets | 80.1394% | 673 |
| Net loans and leases to deposits | 113.2163% | 168 |
| Net loans and leases to core deposits | 124.1706% | 322 |
| Total domestic deposits to total assets | 70.7844% | 6,093 |
| Equity capital to assets | 23.1651% | 123 |
| Core capital (leverage) ratio | 23.2036% | 113 |
| Tier 1 risk-based capital ratio | 39.8883% | 262 |
| Total risk-based capital ratio | 41.1560% | 260 |
| Memoranda: | ||
| Average total assets | $84,349,000 | 4,932 |
| Average earning assets | $79,884,500 | 4,868 |
| Average equity | $19,551,500 | 3,283 |
| Average total loans | $68,586,000 | 4,211 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8532% | 1,008 |
| Cost of funding earning assets | 0.6107% | 1,674 |
| Net interest margin | 4.2424% | 1,184 |
| Noninterest income to average assets | 0.1654% | 5,871 |
| Noninterest expense to average assets | 3.7437% | 1,072 |
| Loan and lease loss provision to assets | 0.2415% | 974 |
| Net operating income to assets | 0.1190% | 5,922 |
| Return on assets (ROA) | 0.1190% | 5,966 |
| Pretax return on assets | 0.1796% | 5,903 |
| Return on Equity (ROE) | 0.5137% | 6,035 |
| Retained earnings to average equity (ytd only) | 0.5137% | 5,544 |
| Net charge-offs to loans | 0.3404% | 1,286 |
| Credit loss provision to net charge-offs | 89.0351% | 2,664 |
| Earnings coverage of net charge-offs (x) | 1.5526% | 4,396 |
| Efficiency ratio | 89.8886% | 847 |
| Assets per employee ($millions) | 3.2388% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0677% | 998 |
| Loan loss allowance to noncurrent loans | 177.5536% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9417% | 2,861 |
| Noncurrent loans to loans | 1.1645% | 2,502 |
| Net loans and leases to total assets | 79.1922% | 858 |
| Net loans and leases to deposits | 112.0715% | 195 |
| Net loans and leases to core deposits | 124.1381% | 317 |
| Total domestic deposits to total assets | 70.6623% | 6,163 |
| Equity capital to assets | 23.1935% | 126 |
| Core capital (leverage) ratio | 23.1923% | 116 |
| Tier 1 risk-based capital ratio | 38.9245% | 252 |
| Total risk-based capital ratio | 40.1941% | 251 |
| Memoranda: | ||
| Average total assets | $84,061,200 | 4,958 |
| Average earning assets | $79,247,400 | 4,899 |
| Average equity | $19,467,400 | 3,219 |
| Average total loans | $66,973,400 | 4,266 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 1,123 |
| Cost of funding earning assets | 0.6188% | 1,685 |
| Net interest margin | 4.1717% | 1,372 |
| Noninterest income to average assets | 0.1269% | 6,131 |
| Noninterest expense to average assets | 3.6750% | 1,160 |
| Loan and lease loss provision to assets | 0.2698% | 781 |
| Net operating income to assets | 0.0714% | 6,059 |
| Return on assets (ROA) | 0.0714% | 6,088 |
| Pretax return on assets | 0.1079% | 6,049 |
| Return on Equity (ROE) | 0.3085% | 6,126 |
| Retained earnings to average equity (ytd only) | 0.3085% | 5,713 |
| Net charge-offs to loans | 0.3938% | 1,011 |
| Credit loss provision to net charge-offs | 86.2944% | 2,490 |
| Earnings coverage of net charge-offs (x) | 1.2081% | 4,204 |
| Efficiency ratio | 90.6813% | 799 |
| Assets per employee ($millions) | 3.1903% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0275% | 1,210 |
| Loan loss allowance to noncurrent loans | 172.5153% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 2,568 |
| Noncurrent loans to loans | 1.1753% | 2,712 |
| Net loans and leases to total assets | 81.9065% | 523 |
| Net loans and leases to deposits | 116.4396% | 124 |
| Net loans and leases to core deposits | 129.2378% | 241 |
| Total domestic deposits to total assets | 70.3425% | 6,268 |
| Equity capital to assets | 23.4813% | 124 |
| Core capital (leverage) ratio | 23.4791% | 117 |
| Tier 1 risk-based capital ratio | 37.9696% | 276 |
| Total risk-based capital ratio | 39.2389% | 272 |
| Memoranda: | ||
| Average total assets | $84,024,250 | 5,016 |
| Average earning assets | $79,071,000 | 4,961 |
| Average equity | $19,451,500 | 3,233 |
| Average total loans | $66,693,000 | 4,312 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 1,373 |
| Cost of funding earning assets | 0.6239% | 1,697 |
| Net interest margin | 4.0354% | 1,705 |
| Noninterest income to average assets | 0.2204% | 5,630 |
| Noninterest expense to average assets | 3.6429% | 1,221 |
| Loan and lease loss provision to assets | 0.2252% | 1,022 |
| Net operating income to assets | 0.1019% | 6,043 |
| Return on assets (ROA) | 0.1019% | 6,078 |
| Pretax return on assets | 0.1541% | 6,019 |
| Return on Equity (ROE) | 0.4423% | 6,160 |
| Retained earnings to average equity (ytd only) | 0.4423% | 5,567 |
| Net charge-offs to loans | 0.4771% | 842 |
| Credit loss provision to net charge-offs | 60.5096% | 2,626 |
| Earnings coverage of net charge-offs (x) | 1.0191% | 3,906 |
| Efficiency ratio | 90.5716% | 871 |
| Assets per employee ($millions) | 3.1890% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0391% | 1,298 |
| Loan loss allowance to noncurrent loans | 81.6071% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 2.0804% | 1,512 |
| Noncurrent loans to loans | 2.4986% | 1,244 |
| Net loans and leases to total assets | 79.4380% | 753 |
| Net loans and leases to deposits | 112.8809% | 153 |
| Net loans and leases to core deposits | 125.3874% | 280 |
| Total domestic deposits to total assets | 70.3733% | 6,340 |
| Equity capital to assets | 23.4867% | 116 |
| Core capital (leverage) ratio | 23.4735% | 109 |
| Tier 1 risk-based capital ratio | 38.8082% | 265 |
| Total risk-based capital ratio | 40.0766% | 262 |
| Memoranda: | ||
| Average total assets | $84,383,330 | 5,052 |
| Average earning assets | $79,497,330 | 4,996 |
| Average equity | $19,443,000 | 3,230 |
| Average total loans | $65,809,000 | 4,362 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 2,609 |
| Cost of funding earning assets | 0.6371% | 1,670 |
| Net interest margin | 3.6384% | 3,104 |
| Noninterest income to average assets | 0.1598% | 6,014 |
| Noninterest expense to average assets | 3.6608% | 1,192 |
| Loan and lease loss provision to assets | -0.0094% | 6,398 |
| Net operating income to assets | -0.0376% | 6,239 |
| Return on assets (ROA) | -0.0376% | 6,247 |
| Pretax return on assets | -0.0564% | 6,252 |
| Return on Equity (ROE) | -0.1647% | 6,237 |
| Retained earnings to average equity (ytd only) | -0.1647% | 5,583 |
| Net charge-offs to loans | 0.3994% | 914 |
| Credit loss provision to net charge-offs | -3.0769% | 4,644 |
| Earnings coverage of net charge-offs (x) | -0.2154% | 3,453 |
| Efficiency ratio | 101.8301% | 431 |
| Assets per employee ($millions) | 3.2515% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1107% | 1,302 |
| Loan loss allowance to noncurrent loans | 70.9242% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.3575% | 1,378 |
| Noncurrent loans to loans | 2.9760% | 1,070 |
| Net loans and leases to total assets | 74.9391% | 1,133 |
| Net loans and leases to deposits | 109.2201% | 164 |
| Net loans and leases to core deposits | 121.3779% | 298 |
| Total domestic deposits to total assets | 68.6129% | 6,498 |
| Equity capital to assets | 22.9755% | 127 |
| Core capital (leverage) ratio | 22.9600% | 121 |
| Tier 1 risk-based capital ratio | 40.3401% | 230 |
| Total risk-based capital ratio | 41.6102% | 224 |
| Memoranda: | ||
| Average total assets | $85,117,500 | 5,085 |
| Average earning assets | $80,364,500 | 5,017 |
| Average equity | $19,427,500 | 3,234 |
| Average total loans | $65,095,000 | 4,427 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9043% | 1,087 |
| Cost of funding earning assets | 0.6990% | 1,821 |
| Net interest margin | 4.2053% | 1,336 |
| Noninterest income to average assets | 0.3863% | 4,543 |
| Noninterest expense to average assets | 3.6112% | 1,425 |
| Loan and lease loss provision to assets | 0.0116% | 4,895 |
| Net operating income to assets | 0.4892% | 4,776 |
| Return on assets (ROA) | 0.4916% | 4,907 |
| Pretax return on assets | 0.7195% | 4,467 |
| Return on Equity (ROE) | 2.2021% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.2021% | 4,682 |
| Net charge-offs to loans | 2.6983% | 97 |
| Credit loss provision to net charge-offs | 0.5447% | 4,702 |
| Earnings coverage of net charge-offs (x) | 0.3426% | 4,969 |
| Efficiency ratio | 83.2311% | 1,719 |
| Assets per employee ($millions) | 3.0606% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1887% | 1,189 |
| Loan loss allowance to noncurrent loans | 92.9313% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.7994% | 2,051 |
| Noncurrent loans to loans | 2.3552% | 1,630 |
| Net loans and leases to total assets | 74.7272% | 1,253 |
| Net loans and leases to deposits | 108.5131% | 192 |
| Net loans and leases to core deposits | 120.3673% | 322 |
| Total domestic deposits to total assets | 68.8647% | 6,560 |
| Equity capital to assets | 22.6752% | 128 |
| Core capital (leverage) ratio | 22.6581% | 121 |
| Tier 1 risk-based capital ratio | 39.9362% | 230 |
| Total risk-based capital ratio | 41.2076% | 229 |
| Memoranda: | ||
| Average total assets | $86,452,400 | 5,070 |
| Average earning assets | $81,255,000 | 5,004 |
| Average equity | $19,299,600 | 3,245 |
| Average total loans | $68,041,600 | 4,340 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9798% | 979 |
| Cost of funding earning assets | 0.7065% | 1,907 |
| Net interest margin | 4.2733% | 1,156 |
| Noninterest income to average assets | 0.4309% | 4,289 |
| Noninterest expense to average assets | 3.5132% | 1,589 |
| Loan and lease loss provision to assets | -0.4047% | 6,809 |
| Net operating income to assets | 0.9028% | 2,822 |
| Return on assets (ROA) | 0.9049% | 2,920 |
| Pretax return on assets | 1.3373% | 2,180 |
| Return on Equity (ROE) | 4.0691% | 5,191 |
| Retained earnings to average equity (ytd only) | 4.0691% | 3,795 |
| Net charge-offs to loans | 3.3466% | 63 |
| Credit loss provision to net charge-offs | -15.2552% | 5,626 |
| Earnings coverage of net charge-offs (x) | 0.3503% | 4,749 |
| Efficiency ratio | 79.0786% | 2,249 |
| Assets per employee ($millions) | 3.1048% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 1,975 |
| Loan loss allowance to noncurrent loans | 66.5272% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 2.2212% | 1,792 |
| Noncurrent loans to loans | 2.8705% | 1,433 |
| Net loans and leases to total assets | 75.1570% | 1,118 |
| Net loans and leases to deposits | 108.9440% | 171 |
| Net loans and leases to core deposits | 120.5925% | 308 |
| Total domestic deposits to total assets | 68.9868% | 6,635 |
| Equity capital to assets | 22.5389% | 130 |
| Core capital (leverage) ratio | 22.5238% | 122 |
| Tier 1 risk-based capital ratio | 38.6172% | 260 |
| Total risk-based capital ratio | 39.8698% | 254 |
| Memoranda: | ||
| Average total assets | $86,641,250 | 5,108 |
| Average earning assets | $81,340,750 | 5,044 |
| Average equity | $19,266,500 | 3,279 |
| Average total loans | $68,684,000 | 4,355 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0935% | 779 |
| Cost of funding earning assets | 0.7153% | 1,958 |
| Net interest margin | 4.3782% | 886 |
| Noninterest income to average assets | 0.5454% | 3,536 |
| Noninterest expense to average assets | 3.4410% | 1,735 |
| Loan and lease loss provision to assets | -0.0347% | 6,619 |
| Net operating income to assets | 0.8543% | 3,024 |
| Return on assets (ROA) | 0.8527% | 3,180 |
| Pretax return on assets | 1.2387% | 2,527 |
| Return on Equity (ROE) | 3.8523% | 5,273 |
| Retained earnings to average equity (ytd only) | 3.8523% | 3,847 |
| Net charge-offs to loans | 2.0065% | 226 |
| Credit loss provision to net charge-offs | -2.1552% | 5,425 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 4,275 |
| Efficiency ratio | 74.0428% | 3,118 |
| Assets per employee ($millions) | 3.3799% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7418% | 306 |
| Loan loss allowance to noncurrent loans | 152.3923% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 2.0028% | 2,149 |
| Noncurrent loans to loans | 2.4554% | 1,902 |
| Net loans and leases to total assets | 74.5895% | 1,161 |
| Net loans and leases to deposits | 108.0314% | 181 |
| Net loans and leases to core deposits | 119.1460% | 332 |
| Total domestic deposits to total assets | 69.0442% | 6,689 |
| Equity capital to assets | 22.0444% | 137 |
| Core capital (leverage) ratio | 22.0294% | 127 |
| Tier 1 risk-based capital ratio | 37.5111% | 277 |
| Total risk-based capital ratio | 38.7961% | 273 |
| Memoranda: | ||
| Average total assets | $86,543,670 | 5,138 |
| Average earning assets | $81,084,330 | 5,084 |
| Average equity | $19,157,330 | 3,307 |
| Average total loans | $69,375,670 | 4,331 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1726% | 640 |
| Cost of funding earning assets | 0.7248% | 2,027 |
| Net interest margin | 4.4478% | 738 |
| Noninterest income to average assets | 0.7546% | 2,315 |
| Noninterest expense to average assets | 3.3676% | 1,905 |
| Loan and lease loss provision to assets | -0.0186% | 6,748 |
| Net operating income to assets | 1.1118% | 1,808 |
| Return on assets (ROA) | 1.1086% | 1,932 |
| Pretax return on assets | 1.5743% | 1,364 |
| Return on Equity (ROE) | 4.9974% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.9974% | 3,234 |
| Net charge-offs to loans | 2.3595% | 183 |
| Credit loss provision to net charge-offs | -0.9685% | 4,938 |
| Earnings coverage of net charge-offs (x) | 0.8111% | 3,558 |
| Efficiency ratio | 68.3365% | 4,247 |
| Assets per employee ($millions) | 3.2908% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1364% | 251 |
| Loan loss allowance to noncurrent loans | 102.1935% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 3.2503% | 1,341 |
| Noncurrent loans to loans | 4.0476% | 1,113 |
| Net loans and leases to total assets | 76.9793% | 724 |
| Net loans and leases to deposits | 111.2152% | 114 |
| Net loans and leases to core deposits | 122.9628% | 245 |
| Total domestic deposits to total assets | 69.2165% | 6,777 |
| Equity capital to assets | 22.4036% | 141 |
| Core capital (leverage) ratio | 22.3855% | 125 |
| Tier 1 risk-based capital ratio | 37.3530% | 282 |
| Total risk-based capital ratio | 38.6560% | 277 |
| Memoranda: | ||
| Average total assets | $85,877,000 | 5,201 |
| Average earning assets | $80,578,500 | 5,137 |
| Average equity | $19,050,000 | 3,371 |
| Average total loans | $70,016,000 | 4,344 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5075% | 610 |
| Cost of funding earning assets | 0.8388% | 2,367 |
| Net interest margin | 4.6687% | 693 |
| Noninterest income to average assets | 0.4376% | 4,339 |
| Noninterest expense to average assets | 3.3670% | 2,136 |
| Loan and lease loss provision to assets | 1.6892% | 161 |
| Net operating income to assets | -0.1436% | 6,334 |
| Return on assets (ROA) | -0.1436% | 6,414 |
| Pretax return on assets | -0.2386% | 6,444 |
| Return on Equity (ROE) | -0.6609% | 6,361 |
| Retained earnings to average equity (ytd only) | -0.6609% | 5,965 |
| Net charge-offs to loans | 1.0186% | 1,061 |
| Credit loss provision to net charge-offs | 197.8808% | 1,315 |
| Earnings coverage of net charge-offs (x) | 1.6993% | 4,585 |
| Efficiency ratio | 69.8897% | 3,840 |
| Assets per employee ($millions) | 3.0783% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5692% | 177 |
| Loan loss allowance to noncurrent loans | 179.1644% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 2.1104% | 2,323 |
| Noncurrent loans to loans | 2.5503% | 2,078 |
| Net loans and leases to total assets | 78.9702% | 569 |
| Net loans and leases to deposits | 115.2606% | 99 |
| Net loans and leases to core deposits | 127.4429% | 206 |
| Total domestic deposits to total assets | 68.5145% | 6,841 |
| Equity capital to assets | 21.9638% | 154 |
| Core capital (leverage) ratio | 21.9502% | 139 |
| Tier 1 risk-based capital ratio | 35.9435% | 317 |
| Total risk-based capital ratio | 37.2546% | 307 |
| Memoranda: | ||
| Average total assets | $88,446,400 | 5,128 |
| Average earning assets | $82,977,600 | 5,045 |
| Average equity | $19,216,400 | 3,303 |
| Average total loans | $74,123,200 | 4,205 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5327% | 638 |
| Cost of funding earning assets | 0.8492% | 2,546 |
| Net interest margin | 4.6835% | 693 |
| Noninterest income to average assets | 0.4434% | 4,342 |
| Noninterest expense to average assets | 3.2115% | 2,528 |
| Loan and lease loss provision to assets | 0.7924% | 598 |
| Net operating income to assets | 0.5497% | 4,627 |
| Return on assets (ROA) | 0.5497% | 4,883 |
| Pretax return on assets | 0.8343% | 4,363 |
| Return on Equity (ROE) | 2.5369% | 5,865 |
| Retained earnings to average equity (ytd only) | 2.5369% | 5,046 |
| Net charge-offs to loans | 1.0371% | 1,015 |
| Credit loss provision to net charge-offs | 90.8935% | 3,271 |
| Earnings coverage of net charge-offs (x) | 1.8660% | 4,325 |
| Efficiency ratio | 66.3777% | 4,377 |
| Assets per employee ($millions) | 3.2648% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3191% | 539 |
| Loan loss allowance to noncurrent loans | 112.1874% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 2.5445% | 2,077 |
| Noncurrent loans to loans | 2.9585% | 1,890 |
| Net loans and leases to total assets | 81.5213% | 384 |
| Net loans and leases to deposits | 118.9338% | 81 |
| Net loans and leases to core deposits | 131.1500% | 182 |
| Total domestic deposits to total assets | 68.5434% | 6,904 |
| Equity capital to assets | 22.0318% | 168 |
| Core capital (leverage) ratio | 22.0220% | 141 |
| Tier 1 risk-based capital ratio | 35.8217% | 330 |
| Total risk-based capital ratio | 37.1117% | 324 |
| Memoranda: | ||
| Average total assets | $89,010,000 | 5,172 |
| Average earning assets | $83,526,000 | 5,087 |
| Average equity | $19,287,750 | 3,321 |
| Average total loans | $74,822,750 | 4,234 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5797% | 601 |
| Cost of funding earning assets | 0.8678% | 2,669 |
| Net interest margin | 4.7119% | 658 |
| Noninterest income to average assets | 0.5241% | 3,755 |
| Noninterest expense to average assets | 3.2319% | 2,489 |
| Loan and lease loss provision to assets | 0.6406% | 897 |
| Net operating income to assets | 0.7302% | 3,705 |
| Return on assets (ROA) | 0.7302% | 3,975 |
| Pretax return on assets | 1.0661% | 3,442 |
| Return on Equity (ROE) | 3.3882% | 5,529 |
| Retained earnings to average equity (ytd only) | 3.3882% | 4,346 |
| Net charge-offs to loans | 1.4082% | 727 |
| Credit loss provision to net charge-offs | 54.1667% | 3,951 |
| Earnings coverage of net charge-offs (x) | 1.4432% | 4,274 |
| Efficiency ratio | 65.4422% | 4,636 |
| Assets per employee ($millions) | 3.3104% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0838% | 726 |
| Loan loss allowance to noncurrent loans | 140.0984% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 2.4200% | 2,308 |
| Noncurrent loans to loans | 2.2012% | 2,712 |
| Net loans and leases to total assets | 80.0973% | 499 |
| Net loans and leases to deposits | 116.6528% | 87 |
| Net loans and leases to core deposits | 129.2420% | 215 |
| Total domestic deposits to total assets | 68.6630% | 6,971 |
| Equity capital to assets | 21.6816% | 169 |
| Core capital (leverage) ratio | 21.6737% | 142 |
| Tier 1 risk-based capital ratio | 35.2688% | 337 |
| Total risk-based capital ratio | 36.5543% | 330 |
| Memoranda: | ||
| Average total assets | $89,296,670 | 5,186 |
| Average earning assets | $83,661,000 | 5,113 |
| Average equity | $19,243,330 | 3,317 |
| Average total loans | $74,987,670 | 4,251 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6312% | 593 |
| Cost of funding earning assets | 0.8899% | 2,764 |
| Net interest margin | 4.7413% | 639 |
| Noninterest income to average assets | 0.4302% | 4,451 |
| Noninterest expense to average assets | 3.2984% | 2,293 |
| Loan and lease loss provision to assets | 0.0672% | 4,571 |
| Net operating income to assets | 1.0487% | 2,293 |
| Return on assets (ROA) | 1.0487% | 2,480 |
| Pretax return on assets | 1.5058% | 1,856 |
| Return on Equity (ROE) | 4.8812% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.8812% | 3,624 |
| Net charge-offs to loans | 0.5824% | 1,643 |
| Credit loss provision to net charge-offs | 13.6364% | 3,858 |
| Earnings coverage of net charge-offs (x) | 3.1909% | 2,927 |
| Efficiency ratio | 67.7093% | 4,229 |
| Assets per employee ($millions) | 3.5841% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1872% | 694 |
| Loan loss allowance to noncurrent loans | 157.1614% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 2.0457% | 2,831 |
| Noncurrent loans to loans | 2.0280% | 3,114 |
| Net loans and leases to total assets | 82.2082% | 271 |
| Net loans and leases to deposits | 118.4108% | 81 |
| Net loans and leases to core deposits | 132.1321% | 187 |
| Total domestic deposits to total assets | 69.4262% | 7,006 |
| Equity capital to assets | 21.5238% | 160 |
| Core capital (leverage) ratio | 21.5189% | 145 |
| Tier 1 risk-based capital ratio | 34.8941% | 340 |
| Total risk-based capital ratio | 36.1828% | 335 |
| Memoranda: | ||
| Average total assets | $89,255,000 | 5,234 |
| Average earning assets | $83,606,000 | 5,155 |
| Average equity | $19,175,500 | 3,329 |
| Average total loans | $75,547,000 | 4,252 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8081% | 633 |
| Cost of funding earning assets | 1.0479% | 3,036 |
| Net interest margin | 4.7602% | 674 |
| Noninterest income to average assets | 0.2595% | 5,679 |
| Noninterest expense to average assets | 3.3819% | 2,290 |
| Loan and lease loss provision to assets | 1.3588% | 583 |
| Net operating income to assets | -0.0145% | 6,062 |
| Return on assets (ROA) | -0.0145% | 6,178 |
| Pretax return on assets | -0.0157% | 6,148 |
| Return on Equity (ROE) | -0.0669% | 6,171 |
| Retained earnings to average equity (ytd only) | -0.0669% | 5,856 |
| Net charge-offs to loans | 1.4563% | 1,113 |
| Credit loss provision to net charge-offs | 108.0961% | 3,123 |
| Earnings coverage of net charge-offs (x) | 1.0685% | 4,987 |
| Efficiency ratio | 71.5740% | 3,667 |
| Assets per employee ($millions) | 3.4195% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 4,946 |
| Loan loss allowance to noncurrent loans | 35.3392% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 3.4992% | 1,695 |
| Noncurrent loans to loans | 3.6556% | 1,730 |
| Net loans and leases to total assets | 83.2769% | 252 |
| Net loans and leases to deposits | 120.0587% | 83 |
| Net loans and leases to core deposits | 132.8888% | 214 |
| Total domestic deposits to total assets | 69.3635% | 7,016 |
| Equity capital to assets | 21.4438% | 171 |
| Core capital (leverage) ratio | 21.4314% | 154 |
| Tier 1 risk-based capital ratio | 29.3408% | 549 |
| Total risk-based capital ratio | 30.5945% | 540 |
| Memoranda: | ||
| Average total assets | $89,418,400 | 5,201 |
| Average earning assets | $83,882,600 | 5,124 |
| Average equity | $19,420,000 | 3,224 |
| Average total loans | $77,179,400 | 4,236 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8832% | 581 |
| Cost of funding earning assets | 1.0855% | 3,073 |
| Net interest margin | 4.7977% | 627 |
| Noninterest income to average assets | 0.1444% | 6,530 |
| Noninterest expense to average assets | 3.2965% | 2,506 |
| Loan and lease loss provision to assets | 1.3713% | 538 |
| Net operating income to assets | -0.0208% | 6,180 |
| Return on assets (ROA) | -0.0208% | 6,284 |
| Pretax return on assets | -0.0223% | 6,253 |
| Return on Equity (ROE) | -0.0957% | 6,275 |
| Retained earnings to average equity (ytd only) | -0.0957% | 5,984 |
| Net charge-offs to loans | 1.5491% | 925 |
| Credit loss provision to net charge-offs | 101.9934% | 3,277 |
| Earnings coverage of net charge-offs (x) | 1.0033% | 4,875 |
| Efficiency ratio | 70.9615% | 3,745 |
| Assets per employee ($millions) | 3.3148% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 5,578 |
| Loan loss allowance to noncurrent loans | 31.8424% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 3.7609% | 1,658 |
| Noncurrent loans to loans | 3.6820% | 1,855 |
| Net loans and leases to total assets | 84.4816% | 191 |
| Net loans and leases to deposits | 122.3598% | 79 |
| Net loans and leases to core deposits | 136.4032% | 195 |
| Total domestic deposits to total assets | 69.0436% | 7,089 |
| Equity capital to assets | 21.8693% | 172 |
| Core capital (leverage) ratio | 21.8579% | 155 |
| Tier 1 risk-based capital ratio | 29.6958% | 558 |
| Total risk-based capital ratio | 30.9467% | 545 |
| Memoranda: | ||
| Average total assets | $89,546,250 | 5,232 |
| Average earning assets | $84,011,000 | 5,159 |
| Average equity | $19,508,750 | 3,219 |
| Average total loans | $77,722,250 | 4,256 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8914% | 592 |
| Cost of funding earning assets | 1.1275% | 3,056 |
| Net interest margin | 4.7639% | 640 |
| Noninterest income to average assets | 0.1652% | 6,474 |
| Noninterest expense to average assets | 3.2938% | 2,591 |
| Loan and lease loss provision to assets | 1.7128% | 394 |
| Net operating income to assets | -0.2456% | 6,512 |
| Return on assets (ROA) | -0.2456% | 6,547 |
| Pretax return on assets | -0.3595% | 6,570 |
| Return on Equity (ROE) | -1.1289% | 6,416 |
| Retained earnings to average equity (ytd only) | -1.1289% | 6,073 |
| Net charge-offs to loans | 1.9225% | 706 |
| Credit loss provision to net charge-offs | 102.1305% | 3,029 |
| Earnings coverage of net charge-offs (x) | 0.8069% | 4,694 |
| Efficiency ratio | 70.8794% | 3,953 |
| Assets per employee ($millions) | 3.2659% | 5,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 5,765 |
| Loan loss allowance to noncurrent loans | 23.0650% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 4.5000% | 1,396 |
| Noncurrent loans to loans | 4.9817% | 1,314 |
| Net loans and leases to total assets | 87.2213% | 103 |
| Net loans and leases to deposits | 126.9163% | 66 |
| Net loans and leases to core deposits | 144.4808% | 164 |
| Total domestic deposits to total assets | 68.7235% | 7,163 |
| Equity capital to assets | 22.0883% | 176 |
| Core capital (leverage) ratio | 22.0759% | 156 |
| Tier 1 risk-based capital ratio | 29.2461% | 580 |
| Total risk-based capital ratio | 30.4978% | 568 |
| Memoranda: | ||
| Average total assets | $89,561,670 | 5,271 |
| Average earning assets | $84,259,000 | 5,186 |
| Average equity | $19,487,330 | 3,202 |
| Average total loans | $78,127,000 | 4,282 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0742% | 418 |
| Cost of funding earning assets | 1.1592% | 3,092 |
| Net interest margin | 4.9149% | 443 |
| Noninterest income to average assets | -0.0532% | 7,358 |
| Noninterest expense to average assets | 3.2486% | 2,710 |
| Loan and lease loss provision to assets | 2.6193% | 194 |
| Net operating income to assets | -0.8731% | 6,994 |
| Return on assets (ROA) | -0.8731% | 6,997 |
| Pretax return on assets | -1.2986% | 7,097 |
| Return on Equity (ROE) | -4.0426% | 6,741 |
| Retained earnings to average equity (ytd only) | -4.0426% | 6,417 |
| Net charge-offs to loans | 3.0349% | 358 |
| Credit loss provision to net charge-offs | 99.4949% | 2,743 |
| Earnings coverage of net charge-offs (x) | 0.5017% | 4,242 |
| Efficiency ratio | 71.0960% | 4,037 |
| Assets per employee ($millions) | 3.4686% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 5,846 |
| Loan loss allowance to noncurrent loans | 25.9744% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 4.2358% | 1,550 |
| Noncurrent loans to loans | 4.4296% | 1,585 |
| Net loans and leases to total assets | 85.0737% | 176 |
| Net loans and leases to deposits | 122.3968% | 80 |
| Net loans and leases to core deposits | 138.6500% | 198 |
| Total domestic deposits to total assets | 69.5064% | 7,205 |
| Equity capital to assets | 21.5029% | 182 |
| Core capital (leverage) ratio | 21.4899% | 172 |
| Tier 1 risk-based capital ratio | 29.7070% | 533 |
| Total risk-based capital ratio | 30.9580% | 523 |
| Memoranda: | ||
| Average total assets | $90,253,500 | 5,283 |
| Average earning assets | $84,884,000 | 5,192 |
| Average equity | $19,492,500 | 3,190 |
| Average total loans | $78,288,500 | 4,318 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8142% | 1,244 |
| Cost of funding earning assets | 1.4859% | 2,727 |
| Net interest margin | 4.3284% | 1,724 |
| Noninterest income to average assets | 0.2860% | 5,737 |
| Noninterest expense to average assets | 3.1680% | 3,199 |
| Loan and lease loss provision to assets | 1.2474% | 1,244 |
| Net operating income to assets | -0.0203% | 5,879 |
| Return on assets (ROA) | -0.0203% | 5,985 |
| Pretax return on assets | -0.0544% | 5,960 |
| Return on Equity (ROE) | -0.0966% | 5,975 |
| Retained earnings to average equity (ytd only) | -0.0966% | 5,618 |
| Net charge-offs to loans | 1.1924% | 1,870 |
| Credit loss provision to net charge-offs | 121.0145% | 3,480 |
| Earnings coverage of net charge-offs (x) | 1.1573% | 4,951 |
| Efficiency ratio | 72.6450% | 3,668 |
| Assets per employee ($millions) | 3.6130% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 5,810 |
| Loan loss allowance to noncurrent loans | 25.9872% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 4.3034% | 1,551 |
| Noncurrent loans to loans | 4.3616% | 1,649 |
| Net loans and leases to total assets | 86.4300% | 165 |
| Net loans and leases to deposits | 124.7435% | 95 |
| Net loans and leases to core deposits | 141.2977% | 220 |
| Total domestic deposits to total assets | 69.2861% | 7,273 |
| Equity capital to assets | 21.6919% | 189 |
| Core capital (leverage) ratio | 21.6754% | 178 |
| Tier 1 risk-based capital ratio | 29.5234% | 528 |
| Total risk-based capital ratio | 30.7738% | 515 |
| Memoranda: | ||
| Average total assets | $93,717,000 | 5,168 |
| Average earning assets | $88,232,000 | 5,074 |
| Average equity | $19,662,000 | 3,194 |
| Average total loans | $81,011,000 | 4,309 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8084% | 1,371 |
| Cost of funding earning assets | 1.5479% | 2,690 |
| Net interest margin | 4.2605% | 1,990 |
| Noninterest income to average assets | 0.1903% | 6,518 |
| Noninterest expense to average assets | 3.0511% | 3,567 |
| Loan and lease loss provision to assets | 1.0391% | 1,425 |
| Net operating income to assets | 0.0945% | 5,790 |
| Return on assets (ROA) | 0.0945% | 5,931 |
| Pretax return on assets | 0.1128% | 5,895 |
| Return on Equity (ROE) | 0.4539% | 6,022 |
| Retained earnings to average equity (ytd only) | 0.4539% | 5,615 |
| Net charge-offs to loans | 1.0484% | 1,931 |
| Credit loss provision to net charge-offs | 114.9766% | 3,634 |
| Earnings coverage of net charge-offs (x) | 1.2746% | 4,801 |
| Efficiency ratio | 72.5931% | 3,593 |
| Assets per employee ($millions) | 3.6940% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 6,479 |
| Loan loss allowance to noncurrent loans | 25.6169% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 3.9945% | 1,750 |
| Noncurrent loans to loans | 3.8222% | 2,008 |
| Net loans and leases to total assets | 86.4008% | 171 |
| Net loans and leases to deposits | 126.9906% | 81 |
| Net loans and leases to core deposits | 143.7409% | 227 |
| Total domestic deposits to total assets | 68.0372% | 7,377 |
| Equity capital to assets | 21.3133% | 216 |
| Core capital (leverage) ratio | 21.2979% | 195 |
| Tier 1 risk-based capital ratio | 29.3385% | 551 |
| Total risk-based capital ratio | 30.5156% | 542 |
| Memoranda: | ||
| Average total assets | $94,565,250 | 5,206 |
| Average earning assets | $89,064,500 | 5,108 |
| Average equity | $19,679,250 | 3,231 |
| Average total loans | $81,523,250 | 4,365 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8235% | 1,367 |
| Cost of funding earning assets | 1.6006% | 2,651 |
| Net interest margin | 4.2229% | 2,082 |
| Noninterest income to average assets | 0.2203% | 6,338 |
| Noninterest expense to average assets | 3.0009% | 3,707 |
| Loan and lease loss provision to assets | 0.7303% | 1,992 |
| Net operating income to assets | 0.3400% | 5,025 |
| Return on assets (ROA) | 0.3400% | 5,187 |
| Pretax return on assets | 0.4701% | 5,003 |
| Return on Equity (ROE) | 1.6465% | 5,748 |
| Retained earnings to average equity (ytd only) | 1.6465% | 5,048 |
| Net charge-offs to loans | 0.6159% | 2,684 |
| Credit loss provision to net charge-offs | 138.0952% | 2,902 |
| Earnings coverage of net charge-offs (x) | 2.2698% | 3,869 |
| Efficiency ratio | 71.4286% | 3,915 |
| Assets per employee ($millions) | 3.7740% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 6,533 |
| Loan loss allowance to noncurrent loans | 25.7927% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 3.6407% | 1,926 |
| Noncurrent loans to loans | 3.7514% | 2,075 |
| Net loans and leases to total assets | 85.5897% | 250 |
| Net loans and leases to deposits | 130.8546% | 70 |
| Net loans and leases to core deposits | 149.1559% | 218 |
| Total domestic deposits to total assets | 65.4082% | 7,552 |
| Equity capital to assets | 20.9679% | 239 |
| Core capital (leverage) ratio | 20.9486% | 202 |
| Tier 1 risk-based capital ratio | 29.1016% | 564 |
| Total risk-based capital ratio | 30.2636% | 561 |
| Memoranda: | ||
| Average total assets | $95,303,330 | 5,211 |
| Average earning assets | $89,843,330 | 5,099 |
| Average equity | $19,678,000 | 3,218 |
| Average total loans | $81,837,330 | 4,389 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7977% | 1,465 |
| Cost of funding earning assets | 1.6356% | 2,736 |
| Net interest margin | 4.1621% | 2,184 |
| Noninterest income to average assets | 0.1253% | 7,055 |
| Noninterest expense to average assets | 2.9735% | 3,769 |
| Loan and lease loss provision to assets | 1.1192% | 1,094 |
| Net operating income to assets | 0.0292% | 6,221 |
| Return on assets (ROA) | 0.0292% | 6,336 |
| Pretax return on assets | -0.0459% | 6,407 |
| Return on Equity (ROE) | 0.1427% | 6,365 |
| Retained earnings to average equity (ytd only) | 0.1427% | 5,767 |
| Net charge-offs to loans | 0.7367% | 2,031 |
| Credit loss provision to net charge-offs | 177.4834% | 2,056 |
| Earnings coverage of net charge-offs (x) | 1.7020% | 3,712 |
| Efficiency ratio | 73.4778% | 3,669 |
| Assets per employee ($millions) | 3.8049% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 6,506 |
| Loan loss allowance to noncurrent loans | 27.0812% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 3.5743% | 1,961 |
| Noncurrent loans to loans | 3.6640% | 2,172 |
| Net loans and leases to total assets | 84.9668% | 293 |
| Net loans and leases to deposits | 129.0134% | 83 |
| Net loans and leases to core deposits | 146.7215% | 262 |
| Total domestic deposits to total assets | 65.8589% | 7,621 |
| Equity capital to assets | 20.6396% | 258 |
| Core capital (leverage) ratio | 20.6171% | 225 |
| Tier 1 risk-based capital ratio | 26.1180% | 765 |
| Total risk-based capital ratio | 27.1970% | 764 |
| Memoranda: | ||
| Average total assets | $95,780,500 | 5,266 |
| Average earning assets | $90,242,500 | 5,160 |
| Average equity | $19,625,500 | 3,249 |
| Average total loans | $81,985,000 | 4,440 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8332% | 2,513 |
| Cost of funding earning assets | 2.0159% | 2,887 |
| Net interest margin | 3.8173% | 3,632 |
| Noninterest income to average assets | 0.1800% | 6,802 |
| Noninterest expense to average assets | 3.0581% | 3,913 |
| Loan and lease loss provision to assets | 0.6834% | 3,091 |
| Net operating income to assets | 0.0184% | 5,434 |
| Return on assets (ROA) | 0.0419% | 5,413 |
| Pretax return on assets | 0.0879% | 5,248 |
| Return on Equity (ROE) | 0.2038% | 5,468 |
| Retained earnings to average equity (ytd only) | 0.2038% | 4,790 |
| Net charge-offs to loans | 0.6040% | 3,409 |
| Credit loss provision to net charge-offs | 129.8211% | 3,942 |
| Earnings coverage of net charge-offs (x) | 1.3956% | 4,740 |
| Efficiency ratio | 80.6291% | 2,795 |
| Assets per employee ($millions) | 3.8575% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 6,942 |
| Loan loss allowance to noncurrent loans | 20.1583% | 7,051 |
| Noncurrent assets plus other real estate owned to assets | 4.4495% | 1,454 |
| Noncurrent loans to loans | 4.2958% | 1,683 |
| Net loans and leases to total assets | 84.6388% | 384 |
| Net loans and leases to deposits | 131.1355% | 86 |
| Net loans and leases to core deposits | 164.7339% | 288 |
| Total domestic deposits to total assets | 64.5430% | 7,687 |
| Equity capital to assets | 20.3426% | 277 |
| Core capital (leverage) ratio | 20.3284% | 262 |
| Tier 1 risk-based capital ratio | 29.7631% | 536 |
| Total risk-based capital ratio | 30.8459% | 532 |
| Memoranda: | ||
| Average total assets | $95,549,400 | 5,223 |
| Average earning assets | $90,431,000 | 5,105 |
| Average equity | $19,628,200 | 3,262 |
| Average total loans | $83,275,800 | 4,406 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8851% | 2,511 |
| Cost of funding earning assets | 2.0852% | 2,957 |
| Net interest margin | 3.7999% | 3,658 |
| Noninterest income to average assets | 0.2000% | 6,783 |
| Noninterest expense to average assets | 2.9316% | 4,309 |
| Loan and lease loss provision to assets | 0.6811% | 2,698 |
| Net operating income to assets | 0.1257% | 5,389 |
| Return on assets (ROA) | 0.1580% | 5,350 |
| Pretax return on assets | 0.2378% | 5,214 |
| Return on Equity (ROE) | 0.7675% | 5,560 |
| Retained earnings to average equity (ytd only) | 0.7675% | 4,856 |
| Net charge-offs to loans | 0.6706% | 2,684 |
| Credit loss provision to net charge-offs | 115.9524% | 4,380 |
| Earnings coverage of net charge-offs (x) | 1.4809% | 4,676 |
| Efficiency ratio | 77.1155% | 3,298 |
| Assets per employee ($millions) | 3.8800% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 7,265 |
| Loan loss allowance to noncurrent loans | 24.4660% | 6,812 |
| Noncurrent assets plus other real estate owned to assets | 3.4123% | 1,955 |
| Noncurrent loans to loans | 3.0629% | 2,472 |
| Net loans and leases to total assets | 86.0197% | 342 |
| Net loans and leases to deposits | 135.0511% | 84 |
| Net loans and leases to core deposits | 172.0661% | 255 |
| Total domestic deposits to total assets | 63.6942% | 7,778 |
| Equity capital to assets | 20.3019% | 319 |
| Core capital (leverage) ratio | 20.2871% | 298 |
| Tier 1 risk-based capital ratio | 29.8827% | 573 |
| Total risk-based capital ratio | 30.8397% | 585 |
| Memoranda: | ||
| Average total assets | $95,327,250 | 5,259 |
| Average earning assets | $90,350,250 | 5,150 |
| Average equity | $19,630,750 | 3,298 |
| Average total loans | $83,510,500 | 4,432 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9331% | 2,445 |
| Cost of funding earning assets | 2.1357% | 3,105 |
| Net interest margin | 3.7975% | 3,562 |
| Noninterest income to average assets | 0.2174% | 6,748 |
| Noninterest expense to average assets | 3.0136% | 4,029 |
| Loan and lease loss provision to assets | 0.6479% | 2,489 |
| Net operating income to assets | 0.1053% | 5,547 |
| Return on assets (ROA) | 0.1541% | 5,503 |
| Pretax return on assets | 0.2321% | 5,382 |
| Return on Equity (ROE) | 0.7445% | 5,711 |
| Retained earnings to average equity (ytd only) | 0.7445% | 4,894 |
| Net charge-offs to loans | 0.7969% | 2,087 |
| Credit loss provision to net charge-offs | 92.4699% | 4,849 |
| Earnings coverage of net charge-offs (x) | 1.1506% | 4,660 |
| Efficiency ratio | 78.8950% | 3,212 |
| Assets per employee ($millions) | 3.8935% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6412% | 7,559 |
| Loan loss allowance to noncurrent loans | 19.8663% | 7,137 |
| Noncurrent assets plus other real estate owned to assets | 3.0728% | 2,050 |
| Noncurrent loans to loans | 3.2277% | 2,207 |
| Net loans and leases to total assets | 85.1651% | 483 |
| Net loans and leases to deposits | 136.3364% | 92 |
| Net loans and leases to core deposits | 167.0724% | 358 |
| Total domestic deposits to total assets | 62.4669% | 7,876 |
| Equity capital to assets | 20.1925% | 366 |
| Core capital (leverage) ratio | 20.1772% | 351 |
| Tier 1 risk-based capital ratio | 30.1565% | 597 |
| Total risk-based capital ratio | 30.9782% | 606 |
| Memoranda: | ||
| Average total assets | $94,769,330 | 5,313 |
| Average earning assets | $89,902,000 | 5,203 |
| Average equity | $19,610,000 | 3,303 |
| Average total loans | $83,324,000 | 4,486 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0466% | 2,168 |
| Cost of funding earning assets | 2.1885% | 3,223 |
| Net interest margin | 3.8581% | 3,218 |
| Noninterest income to average assets | 0.2139% | 6,768 |
| Noninterest expense to average assets | 3.0037% | 3,753 |
| Loan and lease loss provision to assets | 0.6889% | 1,832 |
| Net operating income to assets | 0.1194% | 5,925 |
| Return on assets (ROA) | 0.2182% | 5,765 |
| Pretax return on assets | 0.3295% | 5,592 |
| Return on Equity (ROE) | 1.0415% | 6,115 |
| Retained earnings to average equity (ytd only) | 1.0415% | 5,230 |
| Net charge-offs to loans | 0.8887% | 1,477 |
| Credit loss provision to net charge-offs | 87.0270% | 4,064 |
| Earnings coverage of net charge-offs (x) | 1.0973% | 4,206 |
| Efficiency ratio | 77.5691% | 3,245 |
| Assets per employee ($millions) | 3.8417% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6489% | 7,570 |
| Loan loss allowance to noncurrent loans | 19.8519% | 7,178 |
| Noncurrent assets plus other real estate owned to assets | 2.9091% | 1,954 |
| Noncurrent loans to loans | 3.2687% | 1,970 |
| Net loans and leases to total assets | 85.4470% | 503 |
| Net loans and leases to deposits | 137.6352% | 98 |
| Net loans and leases to core deposits | 167.6849% | 381 |
| Total domestic deposits to total assets | 62.0822% | 7,912 |
| Equity capital to assets | 20.4171% | 395 |
| Core capital (leverage) ratio | 20.4196% | 376 |
| Tier 1 risk-based capital ratio | 31.6262% | 552 |
| Total risk-based capital ratio | 32.4905% | 555 |
| Memoranda: | ||
| Average total assets | $93,485,000 | 5,388 |
| Average earning assets | $88,645,000 | 5,267 |
| Average equity | $19,587,500 | 3,325 |
| Average total loans | $83,269,500 | 4,518 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4113% | 3,354 |
| Cost of funding earning assets | 2.6446% | 3,464 |
| Net interest margin | 3.7667% | 4,149 |
| Noninterest income to average assets | 0.0772% | 7,755 |
| Noninterest expense to average assets | 3.0551% | 3,877 |
| Loan and lease loss provision to assets | 0.5204% | 2,732 |
| Net operating income to assets | 0.0477% | 6,240 |
| Return on assets (ROA) | 0.0695% | 6,037 |
| Pretax return on assets | 0.1014% | 5,940 |
| Return on Equity (ROE) | 0.3226% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.3226% | 5,045 |
| Net charge-offs to loans | 0.3094% | 3,323 |
| Credit loss provision to net charge-offs | 182.2394% | 2,740 |
| Earnings coverage of net charge-offs (x) | 2.0656% | 5,045 |
| Efficiency ratio | 83.8173% | 2,076 |
| Assets per employee ($millions) | 3.6371% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6660% | 7,515 |
| Loan loss allowance to noncurrent loans | 17.8423% | 7,318 |
| Noncurrent assets plus other real estate owned to assets | 3.6171% | 1,219 |
| Noncurrent loans to loans | 3.7325% | 1,343 |
| Net loans and leases to total assets | 91.6978% | 94 |
| Net loans and leases to deposits | 159.1476% | 64 |
| Net loans and leases to core deposits | 186.5511% | 234 |
| Total domestic deposits to total assets | 57.6181% | 8,023 |
| Equity capital to assets | 21.5181% | 376 |
| Core capital (leverage) ratio | 21.5173% | 352 |
| Tier 1 risk-based capital ratio | 32.7590% | 518 |
| Total risk-based capital ratio | 33.6950% | 518 |
| Memoranda: | ||
| Average total assets | $90,700,400 | 5,330 |
| Average earning assets | $85,911,400 | 5,238 |
| Average equity | $19,528,800 | 3,303 |
| Average total loans | $83,698,400 | 4,405 |