Home > United Roosevelt Savings Bank > Performance and Condition Ratios
United Roosevelt Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3688% | 2,357 |
| Cost of funding earning assets | 2.5788% | 742 |
| Net interest margin | 2.7900% | 3,724 |
| Noninterest income to average assets | 0.0800% | 4,206 |
| Noninterest expense to average assets | 2.2106% | 3,077 |
| Loan and lease loss provision to assets | -0.0500% | 4,271 |
| Net operating income to assets | 0.3885% | 3,749 |
| Return on assets (ROA) | 0.2588% | 3,942 |
| Pretax return on assets | 0.4078% | 3,829 |
| Return on Equity (ROE) | 3.4300% | 3,794 |
| Retained earnings to average equity (ytd only) | 3.4280% | 2,988 |
| Net charge-offs to loans | -0.1426% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 80.9150% | 891 |
| Assets per employee ($millions) | 10.9618% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5694% | 4,201 |
| Loan loss allowance to noncurrent loans | 1,864.1026% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,550 |
| Noncurrent loans to loans | 0.0305% | 3,553 |
| Net loans and leases to total assets | 79.8700% | 611 |
| Net loans and leases to deposits | 101.2009% | 366 |
| Net loans and leases to core deposits | 148.5667% | 166 |
| Total domestic deposits to total assets | 78.9200% | 3,713 |
| Equity capital to assets | 7.5887% | 3,809 |
| Core capital (leverage) ratio | 8.0616% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5768% | 2,339 |
| Memoranda: | ||
| Average total assets | $316,836,500 | 2,402 |
| Average earning assets | $301,071,000 | 2,364 |
| Average equity | $23,920,500 | 2,773 |
| Average total loans | $252,375,000 | 2,107 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 2,760 |
| Cost of funding earning assets | 2.4523% | 1,244 |
| Net interest margin | 2.7331% | 3,579 |
| Noninterest income to average assets | 0.0800% | 4,282 |
| Noninterest expense to average assets | 2.2528% | 2,987 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.3065% | 3,837 |
| Return on assets (ROA) | 0.2751% | 3,909 |
| Pretax return on assets | 0.3501% | 3,873 |
| Return on Equity (ROE) | 3.5600% | 3,771 |
| Retained earnings to average equity (ytd only) | 3.5647% | 2,800 |
| Net charge-offs to loans | 0.0383% | 1,821 |
| Credit loss provision to net charge-offs | -27.7778% | 4,310 |
| Earnings coverage of net charge-offs (x) | 14.3111% | 2,063 |
| Efficiency ratio | 84.0020% | 789 |
| Assets per employee ($millions) | 11.2779% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5465% | 4,242 |
| Loan loss allowance to noncurrent loans | 155.5936% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 2,127 |
| Noncurrent loans to loans | 0.3513% | 2,207 |
| Net loans and leases to total assets | 78.5400% | 833 |
| Net loans and leases to deposits | 100.0625% | 482 |
| Net loans and leases to core deposits | 141.8234% | 229 |
| Total domestic deposits to total assets | 78.4900% | 3,720 |
| Equity capital to assets | 7.5106% | 3,765 |
| Core capital (leverage) ratio | 8.0500% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5753% | 2,364 |
| Memoranda: | ||
| Average total assets | $300,210,800 | 2,460 |
| Average earning assets | $286,300,800 | 2,422 |
| Average equity | $23,171,600 | 2,753 |
| Average total loans | $235,269,800 | 2,164 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1356% | 2,789 |
| Cost of funding earning assets | 2.3714% | 1,397 |
| Net interest margin | 2.7641% | 3,503 |
| Noninterest income to average assets | 0.0700% | 4,324 |
| Noninterest expense to average assets | 2.2538% | 2,937 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.3316% | 3,808 |
| Return on assets (ROA) | 0.2893% | 3,907 |
| Pretax return on assets | 0.3766% | 3,848 |
| Return on Equity (ROE) | 3.7200% | 3,773 |
| Retained earnings to average equity (ytd only) | 3.7217% | 2,940 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 83.1369% | 875 |
| Assets per employee ($millions) | 11.2945% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5515% | 4,278 |
| Loan loss allowance to noncurrent loans | 443.9344% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 3,058 |
| Noncurrent loans to loans | 0.1242% | 3,062 |
| Net loans and leases to total assets | 77.2000% | 970 |
| Net loans and leases to deposits | 97.1498% | 645 |
| Net loans and leases to core deposits | 136.4317% | 293 |
| Total domestic deposits to total assets | 79.4700% | 3,546 |
| Equity capital to assets | 7.4489% | 3,985 |
| Core capital (leverage) ratio | 8.0298% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3323% | 2,453 |
| Memoranda: | ||
| Average total assets | $296,318,500 | 2,478 |
| Average earning assets | $282,804,750 | 2,438 |
| Average equity | $23,035,250 | 2,751 |
| Average total loans | $231,740,250 | 2,168 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0601% | 2,842 |
| Cost of funding earning assets | 2.2590% | 1,528 |
| Net interest margin | 2.8011% | 3,416 |
| Noninterest income to average assets | 0.0700% | 4,347 |
| Noninterest expense to average assets | 2.2812% | 2,841 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.3349% | 3,768 |
| Return on assets (ROA) | 0.2700% | 3,930 |
| Pretax return on assets | 0.3535% | 3,873 |
| Return on Equity (ROE) | 3.4200% | 3,821 |
| Retained earnings to average equity (ytd only) | 3.4206% | 2,918 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 83.0359% | 918 |
| Assets per employee ($millions) | 10.6531% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5620% | 4,279 |
| Loan loss allowance to noncurrent loans | 598.1818% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 3,159 |
| Noncurrent loans to loans | 0.0939% | 3,181 |
| Net loans and leases to total assets | 78.0600% | 899 |
| Net loans and leases to deposits | 92.6160% | 1,069 |
| Net loans and leases to core deposits | 125.4038% | 502 |
| Total domestic deposits to total assets | 84.2900% | 2,526 |
| Equity capital to assets | 7.7392% | 3,600 |
| Core capital (leverage) ratio | 8.3391% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7714% | 2,342 |
| Memoranda: | ||
| Average total assets | $289,676,000 | 2,503 |
| Average earning assets | $276,676,333 | 2,465 |
| Average equity | $22,861,333 | 2,728 |
| Average total loans | $227,151,000 | 2,184 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 2,955 |
| Cost of funding earning assets | 2.1798% | 1,591 |
| Net interest margin | 2.7346% | 3,495 |
| Noninterest income to average assets | 0.0700% | 4,325 |
| Noninterest expense to average assets | 2.3064% | 2,779 |
| Loan and lease loss provision to assets | -0.0700% | 4,384 |
| Net operating income to assets | 0.3421% | 3,734 |
| Return on assets (ROA) | 0.3421% | 3,757 |
| Pretax return on assets | 0.4459% | 3,668 |
| Return on Equity (ROE) | 4.2800% | 3,612 |
| Retained earnings to average equity (ytd only) | 4.2792% | 2,627 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 85.9457% | 787 |
| Assets per employee ($millions) | 9.9754% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5775% | 4,261 |
| Loan loss allowance to noncurrent loans | 1,438.8889% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 3,509 |
| Noncurrent loans to loans | 0.0401% | 3,479 |
| Net loans and leases to total assets | 77.0700% | 947 |
| Net loans and leases to deposits | 88.6213% | 1,308 |
| Net loans and leases to core deposits | 115.5445% | 766 |
| Total domestic deposits to total assets | 86.9700% | 1,783 |
| Equity capital to assets | 7.9139% | 3,429 |
| Core capital (leverage) ratio | 8.6094% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1967% | 2,175 |
| Memoranda: | ||
| Average total assets | $285,292,500 | 2,533 |
| Average earning assets | $272,505,500 | 2,496 |
| Average equity | $22,808,000 | 2,743 |
| Average total loans | $223,640,500 | 2,194 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 3,181 |
| Cost of funding earning assets | 1.5188% | 1,896 |
| Net interest margin | 2.9355% | 3,418 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.3127% | 2,820 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.3851% | 3,901 |
| Return on assets (ROA) | 0.3851% | 3,894 |
| Pretax return on assets | 0.5163% | 3,778 |
| Return on Equity (ROE) | 4.7700% | 3,765 |
| Retained earnings to average equity (ytd only) | 4.7685% | 2,683 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.6015% | 880 |
| Assets per employee ($millions) | 11.2519% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6627% | 4,167 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 78.7600% | 789 |
| Net loans and leases to deposits | 94.9557% | 871 |
| Net loans and leases to core deposits | 126.2143% | 481 |
| Total domestic deposits to total assets | 82.9400% | 2,905 |
| Equity capital to assets | 8.0776% | 3,362 |
| Core capital (leverage) ratio | 9.2266% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3541% | 2,118 |
| Memoranda: | ||
| Average total assets | $265,361,400 | 2,592 |
| Average earning assets | $252,763,600 | 2,554 |
| Average equity | $21,432,200 | 2,738 |
| Average total loans | $198,964,200 | 2,289 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 3,238 |
| Cost of funding earning assets | 1.3786% | 1,921 |
| Net interest margin | 2.9526% | 3,425 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 2.2190% | 3,027 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.4484% | 3,873 |
| Return on assets (ROA) | 0.4484% | 3,871 |
| Pretax return on assets | 0.6111% | 3,716 |
| Return on Equity (ROE) | 5.5500% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.5518% | 2,764 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.9231% | 1,095 |
| Assets per employee ($millions) | 11.0063% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 4,149 |
| Loan loss allowance to noncurrent loans | 407.1625% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 2,677 |
| Noncurrent loans to loans | 0.1706% | 2,687 |
| Net loans and leases to total assets | 76.8000% | 1,015 |
| Net loans and leases to deposits | 88.2950% | 1,360 |
| Net loans and leases to core deposits | 114.9290% | 695 |
| Total domestic deposits to total assets | 86.9800% | 1,901 |
| Equity capital to assets | 7.8588% | 3,147 |
| Core capital (leverage) ratio | 9.2163% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5050% | 2,073 |
| Memoranda: | ||
| Average total assets | $261,377,250 | 2,620 |
| Average earning assets | $248,946,500 | 2,583 |
| Average equity | $21,109,750 | 2,753 |
| Average total loans | $192,949,750 | 2,335 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 3,370 |
| Cost of funding earning assets | 1.1555% | 2,122 |
| Net interest margin | 3.0075% | 3,415 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 2.1777% | 3,142 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.5335% | 3,738 |
| Return on assets (ROA) | 0.5335% | 3,748 |
| Pretax return on assets | 0.7337% | 3,532 |
| Return on Equity (ROE) | 6.5400% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.5430% | 2,439 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.2827% | 1,318 |
| Assets per employee ($millions) | 11.1869% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 4,191 |
| Loan loss allowance to noncurrent loans | 384.8485% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 2,603 |
| Noncurrent loans to loans | 0.1807% | 2,576 |
| Net loans and leases to total assets | 74.3100% | 1,248 |
| Net loans and leases to deposits | 85.9659% | 1,505 |
| Net loans and leases to core deposits | 111.3298% | 771 |
| Total domestic deposits to total assets | 86.4400% | 2,107 |
| Equity capital to assets | 8.0317% | 3,191 |
| Core capital (leverage) ratio | 9.2695% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9955% | 1,899 |
| Memoranda: | ||
| Average total assets | $256,784,000 | 2,650 |
| Average earning assets | $244,392,333 | 2,613 |
| Average equity | $20,938,333 | 2,779 |
| Average total loans | $186,336,000 | 2,379 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0275% | 3,400 |
| Cost of funding earning assets | 0.8849% | 2,420 |
| Net interest margin | 3.1425% | 3,253 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.1687% | 3,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6390% | 3,612 |
| Return on assets (ROA) | 0.6390% | 3,571 |
| Pretax return on assets | 0.8860% | 3,276 |
| Return on Equity (ROE) | 7.7400% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.7417% | 2,304 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.9963% | 1,640 |
| Assets per employee ($millions) | 11.4795% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6535% | 4,304 |
| Loan loss allowance to noncurrent loans | 326.1708% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 2,503 |
| Noncurrent loans to loans | 0.2004% | 2,470 |
| Net loans and leases to total assets | 71.2700% | 1,494 |
| Net loans and leases to deposits | 81.5016% | 1,705 |
| Net loans and leases to core deposits | 100.3602% | 1,073 |
| Total domestic deposits to total assets | 87.4400% | 2,115 |
| Equity capital to assets | 8.5528% | 2,850 |
| Core capital (leverage) ratio | 9.9130% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2114% | 1,569 |
| Memoranda: | ||
| Average total assets | $251,027,000 | 2,726 |
| Average earning assets | $238,662,000 | 2,680 |
| Average equity | $20,719,000 | 2,826 |
| Average total loans | $179,049,000 | 2,465 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5696% | 2,885 |
| Cost of funding earning assets | 0.4996% | 1,391 |
| Net interest margin | 3.0700% | 3,259 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 2.2874% | 2,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4806% | 4,112 |
| Return on assets (ROA) | 0.4806% | 4,079 |
| Pretax return on assets | 0.6805% | 3,895 |
| Return on Equity (ROE) | 5.9000% | 3,847 |
| Retained earnings to average equity (ytd only) | 5.9003% | 2,680 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.0716% | 917 |
| Assets per employee ($millions) | 12.5191% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6692% | 4,256 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.1900% | 1,622 |
| Net loans and leases to deposits | 78.0691% | 1,942 |
| Net loans and leases to core deposits | 91.4244% | 1,428 |
| Total domestic deposits to total assets | 89.9100% | 1,404 |
| Equity capital to assets | 8.2518% | 2,894 |
| Core capital (leverage) ratio | 9.4135% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3020% | 1,848 |
| Memoranda: | ||
| Average total assets | $221,602,200 | 2,892 |
| Average earning assets | $209,154,000 | 2,868 |
| Average equity | $18,050,000 | 3,118 |
| Average total loans | $163,103,400 | 2,517 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4671% | 2,722 |
| Cost of funding earning assets | 0.3838% | 1,410 |
| Net interest margin | 3.0833% | 2,983 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 2.2275% | 2,854 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5280% | 4,019 |
| Return on assets (ROA) | 0.5280% | 3,960 |
| Pretax return on assets | 0.7543% | 3,682 |
| Return on Equity (ROE) | 6.5100% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.5066% | 2,549 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.7028% | 1,209 |
| Assets per employee ($millions) | 11.0509% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6974% | 4,251 |
| Loan loss allowance to noncurrent loans | 553.2710% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 2,979 |
| Noncurrent loans to loans | 0.1260% | 3,011 |
| Net loans and leases to total assets | 76.2800% | 881 |
| Net loans and leases to deposits | 84.7169% | 1,254 |
| Net loans and leases to core deposits | 93.3836% | 1,121 |
| Total domestic deposits to total assets | 90.0400% | 1,638 |
| Equity capital to assets | 7.8655% | 2,980 |
| Core capital (leverage) ratio | 8.2732% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7884% | 2,134 |
| Memoranda: | ||
| Average total assets | $214,407,500 | 2,971 |
| Average earning assets | $202,506,750 | 2,936 |
| Average equity | $17,397,250 | 3,209 |
| Average total loans | $159,646,750 | 2,549 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2214% | 2,984 |
| Cost of funding earning assets | 0.3669% | 1,133 |
| Net interest margin | 2.8544% | 3,278 |
| Noninterest income to average assets | 0.0650% | 4,597 |
| Noninterest expense to average assets | 2.1263% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4515% | 4,000 |
| Return on assets (ROA) | 0.4515% | 3,954 |
| Pretax return on assets | 0.6296% | 3,752 |
| Return on Equity (ROE) | 5.5052% | 3,703 |
| Retained earnings to average equity (ytd only) | 5.5052% | 2,508 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1546% | 1,159 |
| Assets per employee ($millions) | 12.4328% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6929% | 4,342 |
| Loan loss allowance to noncurrent loans | 553.2710% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 3,049 |
| Noncurrent loans to loans | 0.1252% | 3,094 |
| Net loans and leases to total assets | 75.8310% | 744 |
| Net loans and leases to deposits | 83.9640% | 1,124 |
| Net loans and leases to core deposits | 91.4289% | 1,043 |
| Total domestic deposits to total assets | 90.3137% | 1,574 |
| Equity capital to assets | 7.6956% | 3,347 |
| Core capital (leverage) ratio | 8.2196% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5391% | 2,275 |
| Memoranda: | ||
| Average total assets | $212,204,333 | 3,012 |
| Average earning assets | $200,039,667 | 2,992 |
| Average equity | $17,401,667 | 3,281 |
| Average total loans | $156,271,000 | 2,586 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1529% | 2,817 |
| Cost of funding earning assets | 0.3531% | 1,173 |
| Net interest margin | 2.7998% | 3,141 |
| Noninterest income to average assets | 0.0659% | 4,617 |
| Noninterest expense to average assets | 2.1530% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3992% | 3,955 |
| Return on assets (ROA) | 0.3992% | 3,920 |
| Pretax return on assets | 0.5407% | 3,784 |
| Return on Equity (ROE) | 4.7109% | 3,699 |
| Retained earnings to average equity (ytd only) | 4.7109% | 2,703 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9281% | 1,161 |
| Assets per employee ($millions) | 12.0467% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 4,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 69.5720% | 1,058 |
| Net loans and leases to deposits | 78.7772% | 1,226 |
| Net loans and leases to core deposits | 85.5919% | 1,157 |
| Total domestic deposits to total assets | 88.3149% | 2,384 |
| Equity capital to assets | 7.9902% | 3,581 |
| Core capital (leverage) ratio | 8.5376% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3398% | 1,684 |
| Memoranda: | ||
| Average total assets | $206,411,000 | 3,062 |
| Average earning assets | $193,728,500 | 3,051 |
| Average equity | $17,491,500 | 3,361 |
| Average total loans | $148,963,000 | 2,641 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6614% | 2,220 |
| Cost of funding earning assets | 0.5877% | 581 |
| Net interest margin | 3.0737% | 2,989 |
| Noninterest income to average assets | 0.0681% | 4,683 |
| Noninterest expense to average assets | 2.2391% | 2,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5382% | 4,003 |
| Return on assets (ROA) | 0.5382% | 4,055 |
| Pretax return on assets | 0.7357% | 3,861 |
| Return on Equity (ROE) | 6.3552% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.3552% | 2,198 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2686% | 1,177 |
| Assets per employee ($millions) | 10.8879% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8116% | 4,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 73.8323% | 676 |
| Net loans and leases to deposits | 85.3152% | 837 |
| Net loans and leases to core deposits | 90.7989% | 936 |
| Total domestic deposits to total assets | 86.5406% | 2,695 |
| Equity capital to assets | 9.0095% | 3,610 |
| Core capital (leverage) ratio | 9.0673% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5734% | 1,370 |
| Memoranda: | ||
| Average total assets | $193,964,800 | 3,104 |
| Average earning assets | $183,427,800 | 3,075 |
| Average equity | $16,427,600 | 3,508 |
| Average total loans | $145,016,200 | 2,679 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6085% | 2,535 |
| Cost of funding earning assets | 0.6533% | 493 |
| Net interest margin | 2.9553% | 3,428 |
| Noninterest income to average assets | 0.0669% | 4,762 |
| Noninterest expense to average assets | 2.1130% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5569% | 4,089 |
| Return on assets (ROA) | 0.5569% | 4,130 |
| Pretax return on assets | 0.7629% | 3,952 |
| Return on Equity (ROE) | 6.6829% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.6829% | 2,541 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4723% | 1,263 |
| Assets per employee ($millions) | 10.8894% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8014% | 4,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 74.7661% | 633 |
| Net loans and leases to deposits | 85.8588% | 832 |
| Net loans and leases to core deposits | 91.4759% | 948 |
| Total domestic deposits to total assets | 87.0803% | 2,325 |
| Equity capital to assets | 8.4235% | 4,260 |
| Core capital (leverage) ratio | 8.8082% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8847% | 1,371 |
| Memoranda: | ||
| Average total assets | $193,460,500 | 3,149 |
| Average earning assets | $183,893,000 | 3,107 |
| Average equity | $16,120,250 | 3,576 |
| Average total loans | $144,799,750 | 2,717 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 2,606 |
| Cost of funding earning assets | 0.5186% | 1,100 |
| Net interest margin | 3.0865% | 3,073 |
| Noninterest income to average assets | 0.0602% | 4,815 |
| Noninterest expense to average assets | 2.0809% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6666% | 3,839 |
| Return on assets (ROA) | 0.6666% | 3,904 |
| Pretax return on assets | 0.9148% | 3,627 |
| Return on Equity (ROE) | 8.0300% | 3,403 |
| Retained earnings to average equity (ytd only) | 8.0300% | 2,061 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4627% | 1,710 |
| Assets per employee ($millions) | 11.7603% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7818% | 4,391 |
| Loan loss allowance to noncurrent loans | 367.7019% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 3,239 |
| Noncurrent loans to loans | 0.2126% | 3,199 |
| Net loans and leases to total assets | 70.9824% | 1,086 |
| Net loans and leases to deposits | 91.8324% | 550 |
| Net loans and leases to core deposits | 98.1117% | 717 |
| Total domestic deposits to total assets | 77.2955% | 4,494 |
| Equity capital to assets | 7.7167% | 4,667 |
| Core capital (leverage) ratio | 9.7554% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9505% | 1,645 |
| Memoranda: | ||
| Average total assets | $192,610,667 | 3,155 |
| Average earning assets | $183,187,333 | 3,116 |
| Average equity | $15,990,000 | 3,590 |
| Average total loans | $143,822,000 | 2,746 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4651% | 3,027 |
| Cost of funding earning assets | 0.5426% | 1,152 |
| Net interest margin | 2.9225% | 3,462 |
| Noninterest income to average assets | 0.0570% | 4,833 |
| Noninterest expense to average assets | 2.1043% | 3,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5392% | 4,096 |
| Return on assets (ROA) | 0.5392% | 4,137 |
| Pretax return on assets | 0.7387% | 3,936 |
| Return on Equity (ROE) | 6.4148% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.4148% | 2,758 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0170% | 1,311 |
| Assets per employee ($millions) | 9.8125% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8155% | 4,375 |
| Loan loss allowance to noncurrent loans | 367.7019% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 3,307 |
| Noncurrent loans to loans | 0.2218% | 3,303 |
| Net loans and leases to total assets | 77.2364% | 520 |
| Net loans and leases to deposits | 95.5946% | 419 |
| Net loans and leases to core deposits | 101.6619% | 639 |
| Total domestic deposits to total assets | 80.7958% | 4,095 |
| Equity capital to assets | 8.2585% | 4,322 |
| Core capital (leverage) ratio | 9.4952% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6008% | 982 |
| Memoranda: | ||
| Average total assets | $182,480,000 | 3,228 |
| Average earning assets | $173,963,500 | 3,178 |
| Average equity | $15,339,500 | 3,653 |
| Average total loans | $140,011,500 | 2,781 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7120% | 3,549 |
| Cost of funding earning assets | 0.7816% | 1,292 |
| Net interest margin | 2.9303% | 4,054 |
| Noninterest income to average assets | 0.0672% | 4,833 |
| Noninterest expense to average assets | 2.1602% | 3,785 |
| Loan and lease loss provision to assets | 0.2567% | 1,513 |
| Net operating income to assets | 0.3066% | 4,424 |
| Return on assets (ROA) | 0.3191% | 4,469 |
| Pretax return on assets | 0.4329% | 4,371 |
| Return on Equity (ROE) | 3.5169% | 4,265 |
| Retained earnings to average equity (ytd only) | 3.5169% | 3,069 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2230% | 1,198 |
| Assets per employee ($millions) | 9.3959% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 4,251 |
| Loan loss allowance to noncurrent loans | 367.7019% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 3,379 |
| Noncurrent loans to loans | 0.2388% | 3,343 |
| Net loans and leases to total assets | 74.8686% | 918 |
| Net loans and leases to deposits | 97.5634% | 477 |
| Net loans and leases to core deposits | 99.7924% | 909 |
| Total domestic deposits to total assets | 76.7384% | 4,443 |
| Equity capital to assets | 8.5603% | 4,406 |
| Core capital (leverage) ratio | 10.1498% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9107% | 912 |
| Memoranda: | ||
| Average total assets | $165,173,000 | 3,237 |
| Average earning assets | $155,954,800 | 3,203 |
| Average equity | $14,984,600 | 3,653 |
| Average total loans | $129,873,400 | 2,869 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7422% | 3,698 |
| Cost of funding earning assets | 0.8400% | 1,311 |
| Net interest margin | 2.9022% | 4,180 |
| Noninterest income to average assets | 0.0676% | 4,854 |
| Noninterest expense to average assets | 2.1264% | 3,881 |
| Loan and lease loss provision to assets | 0.3083% | 1,297 |
| Net operating income to assets | 0.2706% | 4,490 |
| Return on assets (ROA) | 0.2875% | 4,514 |
| Pretax return on assets | 0.3872% | 4,448 |
| Return on Equity (ROE) | 3.1208% | 4,366 |
| Retained earnings to average equity (ytd only) | 3.1208% | 3,463 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9341% | 1,211 |
| Assets per employee ($millions) | 9.9760% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 4,317 |
| Loan loss allowance to noncurrent loans | 352.1739% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 3,536 |
| Noncurrent loans to loans | 0.2323% | 3,472 |
| Net loans and leases to total assets | 76.5459% | 1,029 |
| Net loans and leases to deposits | 99.7127% | 546 |
| Net loans and leases to core deposits | 101.5920% | 1,055 |
| Total domestic deposits to total assets | 76.7665% | 4,354 |
| Equity capital to assets | 8.4235% | 4,501 |
| Core capital (leverage) ratio | 10.1900% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8531% | 1,077 |
| Memoranda: | ||
| Average total assets | $161,835,750 | 3,258 |
| Average earning assets | $152,384,250 | 3,220 |
| Average equity | $14,910,250 | 3,664 |
| Average total loans | $128,631,500 | 2,884 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 3,943 |
| Cost of funding earning assets | 0.9244% | 1,261 |
| Net interest margin | 2.8471% | 4,390 |
| Noninterest income to average assets | 0.0629% | 4,882 |
| Noninterest expense to average assets | 2.1574% | 3,909 |
| Loan and lease loss provision to assets | 0.2873% | 1,495 |
| Net operating income to assets | 0.2142% | 4,558 |
| Return on assets (ROA) | 0.2142% | 4,596 |
| Pretax return on assets | 0.2848% | 4,555 |
| Return on Equity (ROE) | 2.2509% | 4,484 |
| Retained earnings to average equity (ytd only) | 2.2509% | 3,658 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0414% | 959 |
| Assets per employee ($millions) | 9.8355% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7234% | 4,516 |
| Loan loss allowance to noncurrent loans | 278.7535% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 3,540 |
| Noncurrent loans to loans | 0.2595% | 3,456 |
| Net loans and leases to total assets | 76.2821% | 1,089 |
| Net loans and leases to deposits | 102.1922% | 441 |
| Net loans and leases to core deposits | 104.9544% | 945 |
| Total domestic deposits to total assets | 74.6457% | 4,546 |
| Equity capital to assets | 8.4637% | 4,499 |
| Core capital (leverage) ratio | 10.3581% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2007% | 1,015 |
| Memoranda: | ||
| Average total assets | $155,925,000 | 3,294 |
| Average earning assets | $146,044,667 | 3,265 |
| Average equity | $14,838,333 | 3,673 |
| Average total loans | $125,313,333 | 2,914 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 4,248 |
| Cost of funding earning assets | 1.1106% | 1,012 |
| Net interest margin | 2.6816% | 4,680 |
| Noninterest income to average assets | 0.0660% | 4,933 |
| Noninterest expense to average assets | 2.2068% | 3,990 |
| Loan and lease loss provision to assets | 0.2036% | 1,500 |
| Net operating income to assets | 0.1101% | 4,646 |
| Return on assets (ROA) | 0.1101% | 4,645 |
| Pretax return on assets | 0.1403% | 4,634 |
| Return on Equity (ROE) | 1.0836% | 4,617 |
| Retained earnings to average equity (ytd only) | 1.0836% | 3,719 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5156% | 665 |
| Assets per employee ($millions) | 8.0006% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6845% | 4,636 |
| Loan loss allowance to noncurrent loans | 202.4272% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 3,303 |
| Noncurrent loans to loans | 0.3381% | 3,284 |
| Net loans and leases to total assets | 84.0289% | 262 |
| Net loans and leases to deposits | 104.2983% | 356 |
| Net loans and leases to core deposits | 107.5042% | 968 |
| Total domestic deposits to total assets | 80.5659% | 3,752 |
| Equity capital to assets | 10.2611% | 3,546 |
| Core capital (leverage) ratio | 11.2225% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5399% | 1,063 |
| Memoranda: | ||
| Average total assets | $145,368,000 | 3,386 |
| Average earning assets | $134,697,000 | 3,386 |
| Average equity | $14,765,500 | 3,687 |
| Average total loans | $119,953,500 | 2,957 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7465% | 4,632 |
| Cost of funding earning assets | 1.2037% | 1,018 |
| Net interest margin | 2.5428% | 4,949 |
| Noninterest income to average assets | 0.0606% | 5,011 |
| Noninterest expense to average assets | 2.1959% | 4,168 |
| Loan and lease loss provision to assets | 0.0700% | 2,601 |
| Net operating income to assets | 0.1337% | 4,905 |
| Return on assets (ROA) | 0.1428% | 4,916 |
| Pretax return on assets | 0.1889% | 4,892 |
| Return on Equity (ROE) | 1.4487% | 4,869 |
| Retained earnings to average equity (ytd only) | 1.4487% | 4,223 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8760% | 357 |
| Assets per employee ($millions) | 8.6406% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6437% | 4,665 |
| Loan loss allowance to noncurrent loans | 184.4660% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 3,301 |
| Noncurrent loans to loans | 0.3490% | 3,198 |
| Net loans and leases to total assets | 79.8577% | 810 |
| Net loans and leases to deposits | 97.1051% | 829 |
| Net loans and leases to core deposits | 100.3885% | 1,530 |
| Total domestic deposits to total assets | 82.2384% | 3,446 |
| Equity capital to assets | 9.7597% | 4,144 |
| Core capital (leverage) ratio | 11.6137% | 2,031 |
| Tier 1 risk-based capital ratio | 18.4122% | 1,662 |
| Total risk-based capital ratio | 19.2703% | 1,709 |
| Memoranda: | ||
| Average total assets | $138,666,600 | 3,456 |
| Average earning assets | $129,934,400 | 3,426 |
| Average equity | $13,667,200 | 3,791 |
| Average total loans | $112,649,000 | 3,041 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,758 |
| Cost of funding earning assets | 1.2114% | 1,010 |
| Net interest margin | 2.5117% | 5,059 |
| Noninterest income to average assets | 0.0605% | 5,091 |
| Noninterest expense to average assets | 2.1394% | 4,294 |
| Loan and lease loss provision to assets | 0.0986% | 1,947 |
| Net operating income to assets | 0.1474% | 4,984 |
| Return on assets (ROA) | 0.1474% | 5,005 |
| Pretax return on assets | 0.1962% | 4,986 |
| Return on Equity (ROE) | 1.4913% | 4,971 |
| Retained earnings to average equity (ytd only) | 1.4913% | 4,439 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8909% | 403 |
| Assets per employee ($millions) | 8.4674% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6506% | 4,731 |
| Loan loss allowance to noncurrent loans | 123.8250% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 2,791 |
| Noncurrent loans to loans | 0.5254% | 2,715 |
| Net loans and leases to total assets | 81.0448% | 703 |
| Net loans and leases to deposits | 99.1240% | 713 |
| Net loans and leases to core deposits | 105.5642% | 1,219 |
| Total domestic deposits to total assets | 81.7611% | 3,544 |
| Equity capital to assets | 9.9413% | 4,080 |
| Core capital (leverage) ratio | 11.6927% | 2,084 |
| Tier 1 risk-based capital ratio | 18.4127% | 1,710 |
| Total risk-based capital ratio | 19.2779% | 1,758 |
| Memoranda: | ||
| Average total assets | $136,610,750 | 3,517 |
| Average earning assets | $129,100,250 | 3,474 |
| Average equity | $13,500,000 | 3,856 |
| Average total loans | $111,295,500 | 3,098 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 4,806 |
| Cost of funding earning assets | 1.2050% | 976 |
| Net interest margin | 2.5191% | 5,118 |
| Noninterest income to average assets | 0.0566% | 5,146 |
| Noninterest expense to average assets | 2.1436% | 4,341 |
| Loan and lease loss provision to assets | 0.1207% | 1,554 |
| Net operating income to assets | 0.1282% | 5,041 |
| Return on assets (ROA) | 0.1282% | 5,052 |
| Pretax return on assets | 0.1670% | 5,037 |
| Return on Equity (ROE) | 1.3001% | 5,021 |
| Retained earnings to average equity (ytd only) | 1.3001% | 4,351 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1668% | 434 |
| Assets per employee ($millions) | 8.1817% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6565% | 4,786 |
| Loan loss allowance to noncurrent loans | 120.5835% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 2,746 |
| Noncurrent loans to loans | 0.5445% | 2,637 |
| Net loans and leases to total assets | 80.9403% | 739 |
| Net loans and leases to deposits | 99.8625% | 691 |
| Net loans and leases to core deposits | 103.7050% | 1,411 |
| Total domestic deposits to total assets | 81.0517% | 3,792 |
| Equity capital to assets | 9.5543% | 4,355 |
| Core capital (leverage) ratio | 11.0066% | 2,594 |
| Tier 1 risk-based capital ratio | 18.4700% | 1,678 |
| Total risk-based capital ratio | 19.3720% | 1,730 |
| Memoranda: | ||
| Average total assets | $134,166,000 | 3,563 |
| Average earning assets | $126,473,670 | 3,527 |
| Average equity | $13,230,000 | 3,898 |
| Average total loans | $109,252,670 | 3,149 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 4,903 |
| Cost of funding earning assets | 1.1510% | 1,043 |
| Net interest margin | 2.5024% | 5,189 |
| Noninterest income to average assets | 0.0577% | 5,189 |
| Noninterest expense to average assets | 2.0470% | 4,563 |
| Loan and lease loss provision to assets | 0.1306% | 1,336 |
| Net operating income to assets | 0.1184% | 5,079 |
| Return on assets (ROA) | 0.1184% | 5,085 |
| Pretax return on assets | 0.2308% | 5,011 |
| Return on Equity (ROE) | 1.1818% | 5,055 |
| Retained earnings to average equity (ytd only) | 1.1818% | 4,277 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9937% | 647 |
| Assets per employee ($millions) | 7.5428% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6423% | 4,864 |
| Loan loss allowance to noncurrent loans | 265.4135% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 3,831 |
| Noncurrent loans to loans | 0.2420% | 3,701 |
| Net loans and leases to total assets | 80.4338% | 790 |
| Net loans and leases to deposits | 97.0556% | 885 |
| Net loans and leases to core deposits | 100.5164% | 1,572 |
| Total domestic deposits to total assets | 82.8740% | 3,430 |
| Equity capital to assets | 9.7348% | 4,060 |
| Core capital (leverage) ratio | 11.5722% | 2,086 |
| Tier 1 risk-based capital ratio | 18.6830% | 1,611 |
| Total risk-based capital ratio | 19.5515% | 1,668 |
| Memoranda: | ||
| Average total assets | $131,704,500 | 3,638 |
| Average earning assets | $123,722,500 | 3,602 |
| Average equity | $13,200,500 | 3,919 |
| Average total loans | $107,217,500 | 3,209 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6096% | 4,788 |
| Cost of funding earning assets | 0.9786% | 822 |
| Net interest margin | 2.6310% | 5,140 |
| Noninterest income to average assets | 0.0734% | 5,223 |
| Noninterest expense to average assets | 2.6399% | 3,210 |
| Loan and lease loss provision to assets | 0.0093% | 3,936 |
| Net operating income to assets | -0.0734% | 5,253 |
| Return on assets (ROA) | -0.0734% | 5,250 |
| Pretax return on assets | -0.0793% | 5,247 |
| Return on Equity (ROE) | -0.6375% | 5,254 |
| Retained earnings to average equity (ytd only) | -0.6375% | 5,056 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7240% | 121 |
| Assets per employee ($millions) | 7.5028% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 4,918 |
| Loan loss allowance to noncurrent loans | 249.2481% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 3,787 |
| Noncurrent loans to loans | 0.2545% | 3,668 |
| Net loans and leases to total assets | 81.4296% | 743 |
| Net loans and leases to deposits | 99.5238% | 778 |
| Net loans and leases to core deposits | 102.6153% | 1,534 |
| Total domestic deposits to total assets | 81.8193% | 3,690 |
| Equity capital to assets | 10.6784% | 3,008 |
| Core capital (leverage) ratio | 12.0569% | 1,697 |
| Tier 1 risk-based capital ratio | 19.6542% | 1,369 |
| Total risk-based capital ratio | 20.5161% | 1,422 |
| Memoranda: | ||
| Average total assets | $118,567,200 | 3,811 |
| Average earning assets | $112,504,200 | 3,768 |
| Average equity | $13,647,000 | 3,790 |
| Average total loans | $98,937,400 | 3,322 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5554% | 4,863 |
| Cost of funding earning assets | 0.9093% | 885 |
| Net interest margin | 2.6461% | 5,198 |
| Noninterest income to average assets | 0.0734% | 5,286 |
| Noninterest expense to average assets | 2.5675% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0264% | 5,288 |
| Return on assets (ROA) | 0.0264% | 5,286 |
| Pretax return on assets | 0.0275% | 5,283 |
| Return on Equity (ROE) | 0.2246% | 5,285 |
| Retained earnings to average equity (ytd only) | 0.2246% | 5,000 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9399% | 167 |
| Assets per employee ($millions) | 7.8983% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6238% | 5,005 |
| Loan loss allowance to noncurrent loans | 242.3792% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 3,880 |
| Noncurrent loans to loans | 0.2574% | 3,769 |
| Net loans and leases to total assets | 82.1924% | 682 |
| Net loans and leases to deposits | 102.6120% | 613 |
| Net loans and leases to core deposits | 105.6170% | 1,341 |
| Total domestic deposits to total assets | 80.1002% | 4,097 |
| Equity capital to assets | 10.8488% | 2,802 |
| Core capital (leverage) ratio | 12.7027% | 1,414 |
| Tier 1 risk-based capital ratio | 19.6641% | 1,405 |
| Total risk-based capital ratio | 20.5058% | 1,449 |
| Memoranda: | ||
| Average total assets | $116,322,250 | 3,886 |
| Average earning assets | $110,852,000 | 3,830 |
| Average equity | $13,653,750 | 3,824 |
| Average total loans | $97,540,750 | 3,374 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 4,872 |
| Cost of funding earning assets | 0.8400% | 964 |
| Net interest margin | 2.6929% | 5,223 |
| Noninterest income to average assets | 0.0708% | 5,350 |
| Noninterest expense to average assets | 2.5263% | 3,562 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0850% | 5,304 |
| Return on assets (ROA) | 0.0850% | 5,296 |
| Pretax return on assets | 0.1098% | 5,288 |
| Return on Equity (ROE) | 0.7041% | 5,294 |
| Retained earnings to average equity (ytd only) | 0.7041% | 4,822 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8361% | 226 |
| Assets per employee ($millions) | 7.0300% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6214% | 5,068 |
| Loan loss allowance to noncurrent loans | 311.9617% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 4,112 |
| Noncurrent loans to loans | 0.1992% | 4,011 |
| Net loans and leases to total assets | 87.2454% | 188 |
| Net loans and leases to deposits | 103.8764% | 535 |
| Net loans and leases to core deposits | 106.5569% | 1,204 |
| Total domestic deposits to total assets | 83.9896% | 3,071 |
| Equity capital to assets | 11.4618% | 2,228 |
| Core capital (leverage) ratio | 13.4382% | 1,084 |
| Tier 1 risk-based capital ratio | 20.4080% | 1,258 |
| Total risk-based capital ratio | 21.2803% | 1,286 |
| Memoranda: | ||
| Average total assets | $112,972,000 | 3,971 |
| Average earning assets | $107,614,330 | 3,920 |
| Average equity | $13,635,000 | 3,851 |
| Average total loans | $95,214,000 | 3,424 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4639% | 4,931 |
| Cost of funding earning assets | 0.8000% | 956 |
| Net interest margin | 2.6640% | 5,279 |
| Noninterest income to average assets | 0.0693% | 5,427 |
| Noninterest expense to average assets | 2.6544% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0292% | 5,399 |
| Return on assets (ROA) | -0.0292% | 5,395 |
| Pretax return on assets | -0.0474% | 5,402 |
| Return on Equity (ROE) | -0.2352% | 5,395 |
| Retained earnings to average equity (ytd only) | -0.2352% | 4,827 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8182% | 162 |
| Assets per employee ($millions) | 8.0167% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6897% | 5,049 |
| Loan loss allowance to noncurrent loans | 307.5472% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 4,138 |
| Noncurrent loans to loans | 0.2243% | 3,979 |
| Net loans and leases to total assets | 83.6458% | 474 |
| Net loans and leases to deposits | 98.5689% | 823 |
| Net loans and leases to core deposits | 101.0799% | 1,606 |
| Total domestic deposits to total assets | 84.8602% | 2,990 |
| Equity capital to assets | 12.1229% | 1,698 |
| Core capital (leverage) ratio | 13.8615% | 902 |
| Tier 1 risk-based capital ratio | 22.2869% | 1,016 |
| Total risk-based capital ratio | 23.2430% | 1,030 |
| Memoranda: | ||
| Average total assets | $109,703,000 | 4,072 |
| Average earning assets | $104,506,000 | 4,020 |
| Average equity | $13,603,500 | 3,887 |
| Average total loans | $90,361,500 | 3,536 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3588% | 5,000 |
| Cost of funding earning assets | 0.6693% | 1,187 |
| Net interest margin | 2.6895% | 5,282 |
| Noninterest income to average assets | 0.0737% | 5,475 |
| Noninterest expense to average assets | 2.2224% | 4,485 |
| Loan and lease loss provision to assets | 0.2308% | 844 |
| Net operating income to assets | -0.0722% | 5,400 |
| Return on assets (ROA) | 0.0252% | 5,336 |
| Pretax return on assets | 0.3287% | 5,181 |
| Return on Equity (ROE) | 0.1934% | 5,339 |
| Retained earnings to average equity (ytd only) | 0.1934% | 4,941 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5133% | 731 |
| Assets per employee ($millions) | 7.1509% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 4,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.7479% | 995 |
| Net loans and leases to deposits | 95.2508% | 1,151 |
| Net loans and leases to core deposits | 97.2156% | 1,920 |
| Total domestic deposits to total assets | 83.7241% | 3,305 |
| Equity capital to assets | 12.4638% | 1,541 |
| Core capital (leverage) ratio | 13.9691% | 840 |
| Tier 1 risk-based capital ratio | 23.4028% | 867 |
| Total risk-based capital ratio | 24.4265% | 875 |
| Memoranda: | ||
| Average total assets | $103,131,000 | 4,185 |
| Average earning assets | $98,012,000 | 4,132 |
| Average equity | $13,443,800 | 3,924 |
| Average total loans | $80,598,200 | 3,738 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3143% | 5,097 |
| Cost of funding earning assets | 0.6329% | 1,345 |
| Net interest margin | 2.6814% | 5,344 |
| Noninterest income to average assets | 0.0744% | 5,546 |
| Noninterest expense to average assets | 2.0059% | 4,935 |
| Loan and lease loss provision to assets | 0.3108% | 500 |
| Net operating income to assets | 0.1913% | 5,364 |
| Return on assets (ROA) | 0.3226% | 5,199 |
| Pretax return on assets | 0.5132% | 5,002 |
| Return on Equity (ROE) | 2.4463% | 5,239 |
| Retained earnings to average equity (ytd only) | 2.4463% | 4,425 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4179% | 1,528 |
| Assets per employee ($millions) | 6.9334% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7959% | 4,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 78.1377% | 1,243 |
| Net loans and leases to deposits | 94.1405% | 1,292 |
| Net loans and leases to core deposits | 97.0201% | 1,977 |
| Total domestic deposits to total assets | 83.0011% | 3,451 |
| Equity capital to assets | 13.0508% | 1,359 |
| Core capital (leverage) ratio | 14.4824% | 772 |
| Tier 1 risk-based capital ratio | 25.1806% | 732 |
| Total risk-based capital ratio | 26.2660% | 733 |
| Memoranda: | ||
| Average total assets | $102,098,000 | 4,243 |
| Average earning assets | $97,112,000 | 4,191 |
| Average equity | $13,462,500 | 3,964 |
| Average total loans | $79,199,750 | 3,797 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2887% | 5,124 |
| Cost of funding earning assets | 0.6055% | 1,407 |
| Net interest margin | 2.6832% | 5,375 |
| Noninterest income to average assets | 0.0749% | 5,586 |
| Noninterest expense to average assets | 2.8109% | 2,718 |
| Loan and lease loss provision to assets | 0.0079% | 3,772 |
| Net operating income to assets | -0.1369% | 5,596 |
| Return on assets (ROA) | 0.0828% | 5,513 |
| Pretax return on assets | 0.1163% | 5,495 |
| Return on Equity (ROE) | 0.6257% | 5,513 |
| Retained earnings to average equity (ytd only) | 0.6257% | 4,945 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0571% | 123 |
| Assets per employee ($millions) | 7.4624% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5149% | 5,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 77.2994% | 1,349 |
| Net loans and leases to deposits | 93.3682% | 1,322 |
| Net loans and leases to core deposits | 95.9235% | 1,988 |
| Total domestic deposits to total assets | 82.7898% | 3,632 |
| Equity capital to assets | 12.8684% | 1,433 |
| Core capital (leverage) ratio | 14.4978% | 741 |
| Tier 1 risk-based capital ratio | 25.3741% | 716 |
| Total risk-based capital ratio | 26.0850% | 745 |
| Memoranda: | ||
| Average total assets | $101,463,670 | 4,277 |
| Average earning assets | $96,452,330 | 4,224 |
| Average equity | $13,425,670 | 3,975 |
| Average total loans | $78,294,330 | 3,828 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3180% | 5,075 |
| Cost of funding earning assets | 0.5937% | 1,420 |
| Net interest margin | 2.7243% | 5,360 |
| Noninterest income to average assets | 0.0760% | 5,656 |
| Noninterest expense to average assets | 2.9372% | 2,342 |
| Loan and lease loss provision to assets | 0.0120% | 3,410 |
| Net operating income to assets | -0.2518% | 5,689 |
| Return on assets (ROA) | -0.0520% | 5,635 |
| Pretax return on assets | 0.0280% | 5,590 |
| Return on Equity (ROE) | -0.3876% | 5,634 |
| Retained earnings to average equity (ytd only) | -0.3876% | 4,980 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2102% | 127 |
| Assets per employee ($millions) | 7.3422% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5409% | 5,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 74.5951% | 1,650 |
| Net loans and leases to deposits | 88.8978% | 1,676 |
| Net loans and leases to core deposits | 91.0048% | 2,268 |
| Total domestic deposits to total assets | 83.9110% | 3,510 |
| Equity capital to assets | 13.0478% | 1,239 |
| Core capital (leverage) ratio | 15.0883% | 593 |
| Tier 1 risk-based capital ratio | 27.2979% | 608 |
| Total risk-based capital ratio | 28.0636% | 626 |
| Memoranda: | ||
| Average total assets | $99,959,000 | 4,348 |
| Average earning assets | $94,997,000 | 4,293 |
| Average equity | $13,416,500 | 4,000 |
| Average total loans | $76,854,000 | 3,885 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2655% | 5,214 |
| Cost of funding earning assets | 0.5543% | 1,649 |
| Net interest margin | 2.7113% | 5,407 |
| Noninterest income to average assets | 0.0994% | 5,648 |
| Noninterest expense to average assets | 3.0592% | 2,145 |
| Loan and lease loss provision to assets | 0.1801% | 1,324 |
| Net operating income to assets | -0.4078% | 5,765 |
| Return on assets (ROA) | -0.1190% | 5,704 |
| Pretax return on assets | -0.1666% | 5,711 |
| Return on Equity (ROE) | -0.8431% | 5,695 |
| Retained earnings to average equity (ytd only) | -0.8431% | 5,423 |
| Net charge-offs to loans | 0.0031% | 4,157 |
| Credit loss provision to net charge-offs | 8,700.0000% | 54 |
| Earnings coverage of net charge-offs (x) | -190.0000% | 4,276 |
| Efficiency ratio | 114.7516% | 102 |
| Assets per employee ($millions) | 6.9325% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5404% | 5,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 4,697 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.5122% | 1,124 |
| Net loans and leases to deposits | 94.6114% | 1,128 |
| Net loans and leases to core deposits | 96.7005% | 1,864 |
| Total domestic deposits to total assets | 82.9839% | 3,773 |
| Equity capital to assets | 13.9405% | 909 |
| Core capital (leverage) ratio | 15.3537% | 552 |
| Tier 1 risk-based capital ratio | 26.9220% | 619 |
| Total risk-based capital ratio | 27.6711% | 646 |
| Memoranda: | ||
| Average total assets | $96,627,600 | 4,414 |
| Average earning assets | $91,470,600 | 4,360 |
| Average equity | $13,640,000 | 4,002 |
| Average total loans | $64,822,400 | 4,164 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1860% | 5,384 |
| Cost of funding earning assets | 0.5402% | 1,791 |
| Net interest margin | 2.6458% | 5,554 |
| Noninterest income to average assets | 0.0912% | 5,740 |
| Noninterest expense to average assets | 3.0307% | 2,226 |
| Loan and lease loss provision to assets | 0.3122% | 536 |
| Net operating income to assets | -0.4538% | 5,847 |
| Return on assets (ROA) | -0.1064% | 5,776 |
| Pretax return on assets | -0.2058% | 5,794 |
| Return on Equity (ROE) | -0.7511% | 5,769 |
| Retained earnings to average equity (ytd only) | -0.7511% | 5,470 |
| Net charge-offs to loans | 0.0043% | 3,769 |
| Credit loss provision to net charge-offs | 11,300.0000% | 39 |
| Earnings coverage of net charge-offs (x) | -157.7978% | 3,945 |
| Efficiency ratio | 116.8264% | 92 |
| Assets per employee ($millions) | 6.4824% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6137% | 5,582 |
| Loan loss allowance to noncurrent loans | 328.1690% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 4,175 |
| Noncurrent loans to loans | 0.1870% | 4,598 |
| Net loans and leases to total assets | 77.6173% | 1,262 |
| Net loans and leases to deposits | 93.6598% | 1,297 |
| Net loans and leases to core deposits | 94.6429% | 2,136 |
| Total domestic deposits to total assets | 82.8716% | 3,641 |
| Equity capital to assets | 14.0596% | 1,008 |
| Core capital (leverage) ratio | 15.4627% | 561 |
| Tier 1 risk-based capital ratio | 26.6828% | 666 |
| Total risk-based capital ratio | 27.5163% | 678 |
| Memoranda: | ||
| Average total assets | $96,520,750 | 4,450 |
| Average earning assets | $91,313,750 | 4,395 |
| Average equity | $13,667,500 | 4,028 |
| Average total loans | $61,874,500 | 4,264 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0917% | 5,557 |
| Cost of funding earning assets | 0.5318% | 1,859 |
| Net interest margin | 2.5600% | 5,701 |
| Noninterest income to average assets | 0.0956% | 5,798 |
| Noninterest expense to average assets | 2.8022% | 3,019 |
| Loan and lease loss provision to assets | 0.3988% | 383 |
| Net operating income to assets | -0.4218% | 5,904 |
| Return on assets (ROA) | 0.0062% | 5,791 |
| Pretax return on assets | -0.0166% | 5,798 |
| Return on Equity (ROE) | 0.0439% | 5,791 |
| Retained earnings to average equity (ytd only) | 0.0439% | 5,276 |
| Net charge-offs to loans | 0.0070% | 3,445 |
| Credit loss provision to net charge-offs | 9,600.0000% | 34 |
| Earnings coverage of net charge-offs (x) | -69.0000% | 3,676 |
| Efficiency ratio | 111.3955% | 137 |
| Assets per employee ($millions) | 6.5117% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6035% | 5,677 |
| Loan loss allowance to noncurrent loans | 143.5216% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 4,267 |
| Noncurrent loans to loans | 0.4205% | 3,845 |
| Net loans and leases to total assets | 72.8408% | 2,034 |
| Net loans and leases to deposits | 88.4331% | 1,925 |
| Net loans and leases to core deposits | 90.7975% | 2,455 |
| Total domestic deposits to total assets | 82.3682% | 3,886 |
| Equity capital to assets | 14.0546% | 1,006 |
| Core capital (leverage) ratio | 15.5889% | 513 |
| Tier 1 risk-based capital ratio | 28.7337% | 552 |
| Total risk-based capital ratio | 29.5614% | 565 |
| Memoranda: | ||
| Average total assets | $96,282,330 | 4,494 |
| Average earning assets | $91,017,330 | 4,440 |
| Average equity | $13,666,330 | 4,045 |
| Average total loans | $57,186,670 | 4,428 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9627% | 5,722 |
| Cost of funding earning assets | 0.5330% | 1,846 |
| Net interest margin | 2.4297% | 5,864 |
| Noninterest income to average assets | 0.0837% | 5,875 |
| Noninterest expense to average assets | 2.8121% | 3,021 |
| Loan and lease loss provision to assets | 0.5231% | 226 |
| Net operating income to assets | -0.6737% | 5,997 |
| Return on assets (ROA) | 0.0879% | 5,745 |
| Pretax return on assets | 0.1255% | 5,711 |
| Return on Equity (ROE) | 0.6160% | 5,759 |
| Retained earnings to average equity (ytd only) | 0.6160% | 4,965 |
| Net charge-offs to loans | 0.0080% | 2,850 |
| Credit loss provision to net charge-offs | 12,500.0000% | 29 |
| Earnings coverage of net charge-offs (x) | -105.0000% | 3,089 |
| Efficiency ratio | 118.5185% | 109 |
| Assets per employee ($millions) | 6.0255% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6290% | 5,706 |
| Loan loss allowance to noncurrent loans | 121.5947% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 4,325 |
| Noncurrent loans to loans | 0.5173% | 3,637 |
| Net loans and leases to total assets | 59.9764% | 3,775 |
| Net loans and leases to deposits | 72.5851% | 3,593 |
| Net loans and leases to core deposits | 74.0652% | 3,890 |
| Total domestic deposits to total assets | 82.6290% | 4,025 |
| Equity capital to assets | 14.2032% | 915 |
| Core capital (leverage) ratio | 15.5916% | 522 |
| Tier 1 risk-based capital ratio | 35.2697% | 324 |
| Total risk-based capital ratio | 36.1294% | 334 |
| Memoranda: | ||
| Average total assets | $95,585,500 | 4,541 |
| Average earning assets | $90,054,000 | 4,498 |
| Average equity | $13,635,500 | 4,056 |
| Average total loans | $49,990,000 | 4,675 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6439% | 5,949 |
| Cost of funding earning assets | 0.4832% | 2,327 |
| Net interest margin | 2.1608% | 6,001 |
| Noninterest income to average assets | 0.1309% | 5,761 |
| Noninterest expense to average assets | 2.4282% | 4,445 |
| Loan and lease loss provision to assets | 0.1520% | 1,550 |
| Net operating income to assets | -0.2135% | 5,968 |
| Return on assets (ROA) | -0.1021% | 5,944 |
| Pretax return on assets | -0.2363% | 5,973 |
| Return on Equity (ROE) | -0.6603% | 5,929 |
| Retained earnings to average equity (ytd only) | -0.6603% | 5,620 |
| Net charge-offs to loans | 0.0441% | 3,331 |
| Credit loss provision to net charge-offs | 1,370.0000% | 245 |
| Earnings coverage of net charge-offs (x) | -23.3000% | 4,441 |
| Efficiency ratio | 111.9121% | 125 |
| Assets per employee ($millions) | 7.8971% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5787% | 5,822 |
| Loan loss allowance to noncurrent loans | 80.1325% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 4,318 |
| Noncurrent loans to loans | 0.7221% | 3,018 |
| Net loans and leases to total assets | 43.8759% | 5,284 |
| Net loans and leases to deposits | 53.2491% | 5,202 |
| Net loans and leases to core deposits | 54.0022% | 5,318 |
| Total domestic deposits to total assets | 82.3975% | 4,052 |
| Equity capital to assets | 14.3713% | 806 |
| Core capital (leverage) ratio | 16.4611% | 419 |
| Tier 1 risk-based capital ratio | 40.2423% | 226 |
| Total risk-based capital ratio | 40.8911% | 232 |
| Memoranda: | ||
| Average total assets | $90,150,200 | 4,669 |
| Average earning assets | $85,063,000 | 4,607 |
| Average equity | $13,933,200 | 3,988 |
| Average total loans | $22,668,800 | 5,629 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5766% | 6,054 |
| Cost of funding earning assets | 0.4817% | 2,395 |
| Net interest margin | 2.0949% | 6,102 |
| Noninterest income to average assets | 0.1004% | 5,966 |
| Noninterest expense to average assets | 2.3746% | 4,584 |
| Loan and lease loss provision to assets | 0.1738% | 1,224 |
| Net operating income to assets | -0.2689% | 6,076 |
| Return on assets (ROA) | -0.1184% | 6,035 |
| Pretax return on assets | -0.2322% | 6,062 |
| Return on Equity (ROE) | -0.7517% | 6,014 |
| Retained earnings to average equity (ytd only) | -0.7517% | 5,729 |
| Net charge-offs to loans | 0.0447% | 3,003 |
| Credit loss provision to net charge-offs | 1,933.3333% | 194 |
| Earnings coverage of net charge-offs (x) | -32.6663% | 4,163 |
| Efficiency ratio | 114.1109% | 121 |
| Assets per employee ($millions) | 7.4579% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6713% | 5,787 |
| Loan loss allowance to noncurrent loans | 74.0132% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 4,416 |
| Noncurrent loans to loans | 0.9069% | 2,707 |
| Net loans and leases to total assets | 37.2021% | 5,740 |
| Net loans and leases to deposits | 45.8601% | 5,654 |
| Net loans and leases to core deposits | 46.4313% | 5,722 |
| Total domestic deposits to total assets | 81.1207% | 4,444 |
| Equity capital to assets | 15.5014% | 645 |
| Core capital (leverage) ratio | 16.9529% | 388 |
| Tier 1 risk-based capital ratio | 46.3320% | 164 |
| Total risk-based capital ratio | 47.0258% | 167 |
| Memoranda: | ||
| Average total assets | $88,996,500 | 4,750 |
| Average earning assets | $84,138,750 | 4,689 |
| Average equity | $14,011,750 | 4,015 |
| Average total loans | $17,880,750 | 5,867 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5878% | 6,119 |
| Cost of funding earning assets | 0.4785% | 2,443 |
| Net interest margin | 2.1093% | 6,171 |
| Noninterest income to average assets | 0.0991% | 6,032 |
| Noninterest expense to average assets | 2.3956% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1667% | 6,083 |
| Return on assets (ROA) | -0.0788% | 6,066 |
| Pretax return on assets | -0.1644% | 6,091 |
| Return on Equity (ROE) | -0.4979% | 6,060 |
| Retained earnings to average equity (ytd only) | -0.4979% | 5,604 |
| Net charge-offs to loans | 0.0789% | 2,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -26.8000% | 3,867 |
| Efficiency ratio | 114.4086% | 137 |
| Assets per employee ($millions) | 6.7834% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7370% | 5,739 |
| Loan loss allowance to noncurrent loans | 36.1842% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 4,504 |
| Noncurrent loans to loans | 2.0367% | 1,185 |
| Net loans and leases to total assets | 16.8012% | 6,248 |
| Net loans and leases to deposits | 20.3954% | 6,248 |
| Net loans and leases to core deposits | 20.6486% | 6,247 |
| Total domestic deposits to total assets | 82.3778% | 4,160 |
| Equity capital to assets | 15.5606% | 594 |
| Core capital (leverage) ratio | 17.1691% | 351 |
| Tier 1 risk-based capital ratio | 57.4096% | 107 |
| Total risk-based capital ratio | 57.8296% | 109 |
| Memoranda: | ||
| Average total assets | $88,830,330 | 4,794 |
| Average earning assets | $84,010,670 | 4,730 |
| Average equity | $14,058,000 | 4,037 |
| Average total loans | $12,668,000 | 6,106 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5936% | 6,185 |
| Cost of funding earning assets | 0.4733% | 2,523 |
| Net interest margin | 2.1203% | 6,240 |
| Noninterest income to average assets | 0.1032% | 6,067 |
| Noninterest expense to average assets | 2.7503% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3679% | 6,208 |
| Return on assets (ROA) | -0.3679% | 6,223 |
| Pretax return on assets | -0.6371% | 6,262 |
| Return on Equity (ROE) | -2.3056% | 6,186 |
| Retained earnings to average equity (ytd only) | -2.3056% | 5,720 |
| Net charge-offs to loans | 0.1387% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -35.5000% | 3,270 |
| Efficiency ratio | 130.1486% | 84 |
| Assets per employee ($millions) | 6.8382% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 5,106 |
| Loan loss allowance to noncurrent loans | 32.0809% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 4,467 |
| Noncurrent loans to loans | 3.0728% | 684 |
| Net loans and leases to total assets | 12.5415% | 6,350 |
| Net loans and leases to deposits | 15.3228% | 6,350 |
| Net loans and leases to core deposits | 15.4575% | 6,344 |
| Total domestic deposits to total assets | 81.8487% | 4,551 |
| Equity capital to assets | 16.0928% | 534 |
| Core capital (leverage) ratio | 17.0806% | 351 |
| Tier 1 risk-based capital ratio | 63.0846% | 101 |
| Total risk-based capital ratio | 63.0846% | 103 |
| Memoranda: | ||
| Average total assets | $89,153,500 | 4,827 |
| Average earning assets | $84,515,500 | 4,760 |
| Average equity | $14,226,000 | 4,040 |
| Average total loans | $11,539,000 | 6,188 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6866% | 6,267 |
| Cost of funding earning assets | 0.4827% | 2,851 |
| Net interest margin | 2.2039% | 6,310 |
| Noninterest income to average assets | 0.1322% | 6,030 |
| Noninterest expense to average assets | 2.3874% | 4,878 |
| Loan and lease loss provision to assets | 0.0264% | 4,079 |
| Net operating income to assets | -0.1157% | 6,164 |
| Return on assets (ROA) | -0.1157% | 6,167 |
| Pretax return on assets | -0.2093% | 6,199 |
| Return on Equity (ROE) | -0.7335% | 6,151 |
| Retained earnings to average equity (ytd only) | -0.7335% | 5,883 |
| Net charge-offs to loans | 0.2786% | 1,556 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | -4.6111% | 4,885 |
| Efficiency ratio | 108.2959% | 242 |
| Assets per employee ($millions) | 7.5042% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 5,187 |
| Loan loss allowance to noncurrent loans | 32.7635% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 4,524 |
| Noncurrent loans to loans | 2.9700% | 758 |
| Net loans and leases to total assets | 12.9961% | 6,432 |
| Net loans and leases to deposits | 15.9331% | 6,435 |
| Net loans and leases to core deposits | 16.1278% | 6,429 |
| Total domestic deposits to total assets | 81.5669% | 4,575 |
| Equity capital to assets | 16.6552% | 458 |
| Core capital (leverage) ratio | 16.9563% | 374 |
| Tier 1 risk-based capital ratio | 57.4952% | 102 |
| Total risk-based capital ratio | 57.9330% | 104 |
| Memoranda: | ||
| Average total assets | $90,766,600 | 4,820 |
| Average earning assets | $85,348,200 | 4,753 |
| Average equity | $14,315,000 | 3,976 |
| Average total loans | $12,921,000 | 6,230 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7174% | 6,325 |
| Cost of funding earning assets | 0.4817% | 2,941 |
| Net interest margin | 2.2357% | 6,371 |
| Noninterest income to average assets | 0.1363% | 6,093 |
| Noninterest expense to average assets | 2.3926% | 4,856 |
| Loan and lease loss provision to assets | 0.0073% | 4,272 |
| Net operating income to assets | -0.0909% | 6,213 |
| Return on assets (ROA) | -0.0909% | 6,215 |
| Pretax return on assets | -0.1613% | 6,239 |
| Return on Equity (ROE) | -0.5844% | 6,200 |
| Retained earnings to average equity (ytd only) | -0.5844% | 5,889 |
| Net charge-offs to loans | 0.1112% | 2,687 |
| Credit loss provision to net charge-offs | 45.4545% | 3,187 |
| Earnings coverage of net charge-offs (x) | -9.5433% | 4,632 |
| Efficiency ratio | 106.8762% | 259 |
| Assets per employee ($millions) | 7.4810% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 5,364 |
| Loan loss allowance to noncurrent loans | 19.1759% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 3,710 |
| Noncurrent loans to loans | 5.0375% | 359 |
| Net loans and leases to total assets | 13.8183% | 6,509 |
| Net loans and leases to deposits | 16.8210% | 6,515 |
| Net loans and leases to core deposits | 17.0253% | 6,507 |
| Total domestic deposits to total assets | 82.1492% | 4,429 |
| Equity capital to assets | 16.2267% | 530 |
| Core capital (leverage) ratio | 16.8786% | 387 |
| Tier 1 risk-based capital ratio | 56.6836% | 105 |
| Total risk-based capital ratio | 57.1364% | 107 |
| Memoranda: | ||
| Average total assets | $90,945,750 | 4,872 |
| Average earning assets | $85,519,750 | 4,802 |
| Average equity | $14,144,250 | 4,023 |
| Average total loans | $13,196,750 | 6,294 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7415% | 6,373 |
| Cost of funding earning assets | 0.4756% | 3,061 |
| Net interest margin | 2.2659% | 6,427 |
| Noninterest income to average assets | 0.1401% | 6,123 |
| Noninterest expense to average assets | 2.5181% | 4,523 |
| Loan and lease loss provision to assets | 0.1073% | 2,220 |
| Net operating income to assets | -0.1971% | 6,320 |
| Return on assets (ROA) | -0.1971% | 6,330 |
| Pretax return on assets | -0.3569% | 6,383 |
| Return on Equity (ROE) | -1.2854% | 6,291 |
| Retained earnings to average equity (ytd only) | -1.2854% | 5,895 |
| Net charge-offs to loans | 0.8047% | 474 |
| Credit loss provision to net charge-offs | 90.7407% | 2,166 |
| Earnings coverage of net charge-offs (x) | -2.1111% | 4,244 |
| Efficiency ratio | 111.0039% | 216 |
| Assets per employee ($millions) | 7.5768% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 5,596 |
| Loan loss allowance to noncurrent loans | 19.3038% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6951% | 3,895 |
| Noncurrent loans to loans | 4.8780% | 419 |
| Net loans and leases to total assets | 14.1154% | 6,572 |
| Net loans and leases to deposits | 17.1582% | 6,578 |
| Net loans and leases to core deposits | 17.3632% | 6,571 |
| Total domestic deposits to total assets | 82.2661% | 4,561 |
| Equity capital to assets | 15.8696% | 572 |
| Core capital (leverage) ratio | 16.6533% | 392 |
| Tier 1 risk-based capital ratio | 55.7321% | 105 |
| Total risk-based capital ratio | 56.1818% | 107 |
| Memoranda: | ||
| Average total assets | $91,337,000 | 4,895 |
| Average earning assets | $85,794,000 | 4,830 |
| Average equity | $14,003,330 | 4,047 |
| Average total loans | $13,420,330 | 6,340 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7806% | 6,412 |
| Cost of funding earning assets | 0.4797% | 3,109 |
| Net interest margin | 2.3009% | 6,472 |
| Noninterest income to average assets | 0.1136% | 6,288 |
| Noninterest expense to average assets | 2.5168% | 4,563 |
| Loan and lease loss provision to assets | 0.0393% | 3,287 |
| Net operating income to assets | -0.1573% | 6,327 |
| Return on assets (ROA) | -0.1573% | 6,332 |
| Pretax return on assets | -0.2840% | 6,385 |
| Return on Equity (ROE) | -1.0442% | 6,303 |
| Retained earnings to average equity (ytd only) | -1.0442% | 5,733 |
| Net charge-offs to loans | 0.0293% | 2,996 |
| Credit loss provision to net charge-offs | 900.0000% | 337 |
| Earnings coverage of net charge-offs (x) | -56.0000% | 3,640 |
| Efficiency ratio | 110.7692% | 254 |
| Assets per employee ($millions) | 7.6416% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 5,514 |
| Loan loss allowance to noncurrent loans | 19.7368% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 3,887 |
| Noncurrent loans to loans | 5.0746% | 435 |
| Net loans and leases to total assets | 14.5520% | 6,635 |
| Net loans and leases to deposits | 17.5480% | 6,638 |
| Net loans and leases to core deposits | 17.7537% | 6,633 |
| Total domestic deposits to total assets | 82.9267% | 4,630 |
| Equity capital to assets | 15.2237% | 636 |
| Core capital (leverage) ratio | 16.5642% | 410 |
| Tier 1 risk-based capital ratio | 54.3972% | 110 |
| Total risk-based capital ratio | 54.8812% | 113 |
| Memoranda: | ||
| Average total assets | $91,544,500 | 4,921 |
| Average earning assets | $85,880,000 | 4,868 |
| Average equity | $13,790,500 | 4,088 |
| Average total loans | $13,652,500 | 6,394 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8230% | 6,485 |
| Cost of funding earning assets | 0.5168% | 3,433 |
| Net interest margin | 2.3062% | 6,521 |
| Noninterest income to average assets | 0.0567% | 6,528 |
| Noninterest expense to average assets | 2.5383% | 4,650 |
| Loan and lease loss provision to assets | 0.0096% | 4,931 |
| Net operating income to assets | -0.1593% | 6,344 |
| Return on assets (ROA) | -0.1593% | 6,357 |
| Pretax return on assets | -0.2823% | 6,406 |
| Return on Equity (ROE) | -1.0780% | 6,332 |
| Retained earnings to average equity (ytd only) | -1.0780% | 6,075 |
| Net charge-offs to loans | 0.1675% | 3,142 |
| Credit loss provision to net charge-offs | 36.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | -10.2000% | 5,427 |
| Efficiency ratio | 112.0340% | 245 |
| Assets per employee ($millions) | 7.6158% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 5,866 |
| Loan loss allowance to noncurrent loans | 21.7839% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 4,319 |
| Noncurrent loans to loans | 4.2167% | 665 |
| Net loans and leases to total assets | 14.9896% | 6,718 |
| Net loans and leases to deposits | 18.0001% | 6,722 |
| Net loans and leases to core deposits | 18.2105% | 6,717 |
| Total domestic deposits to total assets | 83.2750% | 4,437 |
| Equity capital to assets | 14.9043% | 689 |
| Core capital (leverage) ratio | 16.5272% | 415 |
| Tier 1 risk-based capital ratio | 54.0572% | 111 |
| Total risk-based capital ratio | 54.5086% | 111 |
| Memoranda: | ||
| Average total assets | $93,528,000 | 4,897 |
| Average earning assets | $89,584,200 | 4,789 |
| Average equity | $13,822,400 | 4,097 |
| Average total loans | $14,926,200 | 6,422 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8198% | 6,562 |
| Cost of funding earning assets | 0.5237% | 3,529 |
| Net interest margin | 2.2961% | 6,591 |
| Noninterest income to average assets | 0.0567% | 6,614 |
| Noninterest expense to average assets | 2.5302% | 4,623 |
| Loan and lease loss provision to assets | 0.0128% | 4,743 |
| Net operating income to assets | -0.1588% | 6,438 |
| Return on assets (ROA) | -0.1588% | 6,469 |
| Pretax return on assets | -0.2736% | 6,504 |
| Return on Equity (ROE) | -1.0764% | 6,433 |
| Retained earnings to average equity (ytd only) | -1.0764% | 6,146 |
| Net charge-offs to loans | 0.1842% | 2,754 |
| Credit loss provision to net charge-offs | 42.8571% | 3,655 |
| Earnings coverage of net charge-offs (x) | -8.7618% | 5,158 |
| Efficiency ratio | 111.4928% | 251 |
| Assets per employee ($millions) | 7.7495% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 5,979 |
| Loan loss allowance to noncurrent loans | 21.4403% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6570% | 4,465 |
| Noncurrent loans to loans | 4.3407% | 774 |
| Net loans and leases to total assets | 14.9956% | 6,803 |
| Net loans and leases to deposits | 18.0112% | 6,801 |
| Net loans and leases to core deposits | 18.2176% | 6,798 |
| Total domestic deposits to total assets | 83.2570% | 4,480 |
| Equity capital to assets | 14.2945% | 877 |
| Core capital (leverage) ratio | 16.4018% | 439 |
| Tier 1 risk-based capital ratio | 61.8323% | 85 |
| Total risk-based capital ratio | 62.3636% | 85 |
| Memoranda: | ||
| Average total assets | $94,062,500 | 4,935 |
| Average earning assets | $90,642,250 | 4,788 |
| Average equity | $13,872,750 | 4,141 |
| Average total loans | $15,201,250 | 6,472 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8533% | 6,577 |
| Cost of funding earning assets | 0.5386% | 3,516 |
| Net interest margin | 2.3147% | 6,608 |
| Noninterest income to average assets | 0.0551% | 6,657 |
| Noninterest expense to average assets | 2.5080% | 4,695 |
| Loan and lease loss provision to assets | 0.0191% | 4,512 |
| Net operating income to assets | -0.1440% | 6,448 |
| Return on assets (ROA) | -0.1440% | 6,490 |
| Pretax return on assets | -0.2415% | 6,520 |
| Return on Equity (ROE) | -0.9669% | 6,456 |
| Retained earnings to average equity (ytd only) | -0.9669% | 6,045 |
| Net charge-offs to loans | 0.2568% | 2,182 |
| Credit loss provision to net charge-offs | 45.0000% | 3,324 |
| Earnings coverage of net charge-offs (x) | -5.2500% | 4,833 |
| Efficiency ratio | 109.7312% | 281 |
| Assets per employee ($millions) | 7.7880% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 6,138 |
| Loan loss allowance to noncurrent loans | 19.3833% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 4,397 |
| Noncurrent loans to loans | 4.6264% | 745 |
| Net loans and leases to total assets | 15.6095% | 6,841 |
| Net loans and leases to deposits | 18.7138% | 6,847 |
| Net loans and leases to core deposits | 19.0275% | 6,845 |
| Total domestic deposits to total assets | 83.4114% | 4,541 |
| Equity capital to assets | 14.1735% | 911 |
| Core capital (leverage) ratio | 16.4985% | 415 |
| Tier 1 risk-based capital ratio | 61.5317% | 85 |
| Total risk-based capital ratio | 62.0629% | 84 |
| Memoranda: | ||
| Average total assets | $94,418,670 | 4,955 |
| Average earning assets | $90,983,670 | 4,814 |
| Average equity | $14,066,000 | 4,137 |
| Average total loans | $15,576,330 | 6,495 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8731% | 6,631 |
| Cost of funding earning assets | 0.5633% | 3,449 |
| Net interest margin | 2.3098% | 6,680 |
| Noninterest income to average assets | 0.1602% | 6,304 |
| Noninterest expense to average assets | 2.4658% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0506% | 6,401 |
| Return on assets (ROA) | -0.0506% | 6,455 |
| Pretax return on assets | -0.0759% | 6,467 |
| Return on Equity (ROE) | -0.3316% | 6,447 |
| Retained earnings to average equity (ytd only) | -0.3316% | 5,841 |
| Net charge-offs to loans | -0.2749% | 6,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1746% | 451 |
| Assets per employee ($millions) | 7.9034% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 6,019 |
| Loan loss allowance to noncurrent loans | 24.2138% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8889% | 4,165 |
| Noncurrent loans to loans | 4.0837% | 1,093 |
| Net loans and leases to total assets | 16.2588% | 6,908 |
| Net loans and leases to deposits | 19.7101% | 6,908 |
| Net loans and leases to core deposits | 20.2131% | 6,906 |
| Total domestic deposits to total assets | 82.4896% | 5,032 |
| Equity capital to assets | 15.1401% | 723 |
| Core capital (leverage) ratio | 16.5686% | 397 |
| Tier 1 risk-based capital ratio | 62.6700% | 86 |
| Total risk-based capital ratio | 63.2989% | 86 |
| Memoranda: | ||
| Average total assets | $94,900,000 | 4,979 |
| Average earning assets | $91,609,500 | 4,854 |
| Average equity | $14,476,000 | 4,098 |
| Average total loans | $16,004,500 | 6,533 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2539% | 6,628 |
| Cost of funding earning assets | 0.6746% | 3,690 |
| Net interest margin | 2.5793% | 6,648 |
| Noninterest income to average assets | 0.0238% | 6,768 |
| Noninterest expense to average assets | 2.4861% | 5,146 |
| Loan and lease loss provision to assets | 0.0041% | 5,874 |
| Net operating income to assets | 0.0083% | 6,151 |
| Return on assets (ROA) | 0.0083% | 6,293 |
| Pretax return on assets | 0.0155% | 6,260 |
| Return on Equity (ROE) | 0.0540% | 6,294 |
| Retained earnings to average equity (ytd only) | 0.0540% | 5,806 |
| Net charge-offs to loans | 0.3320% | 2,975 |
| Credit loss provision to net charge-offs | 6.7797% | 5,426 |
| Earnings coverage of net charge-offs (x) | 0.3220% | 5,316 |
| Efficiency ratio | 99.2162% | 590 |
| Assets per employee ($millions) | 7.9133% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 6,343 |
| Loan loss allowance to noncurrent loans | 53.3582% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 5,224 |
| Noncurrent loans to loans | 1.6307% | 3,180 |
| Net loans and leases to total assets | 17.1569% | 6,963 |
| Net loans and leases to deposits | 20.8623% | 6,965 |
| Net loans and leases to core deposits | 21.3941% | 6,965 |
| Total domestic deposits to total assets | 82.2387% | 5,017 |
| Equity capital to assets | 15.3677% | 664 |
| Core capital (leverage) ratio | 16.6984% | 379 |
| Tier 1 risk-based capital ratio | 63.0201% | 89 |
| Total risk-based capital ratio | 63.6069% | 90 |
| Memoranda: | ||
| Average total assets | $96,737,800 | 4,918 |
| Average earning assets | $93,087,000 | 4,774 |
| Average equity | $14,815,800 | 4,006 |
| Average total loans | $17,772,800 | 6,518 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3214% | 6,714 |
| Cost of funding earning assets | 0.6968% | 3,795 |
| Net interest margin | 2.6246% | 6,735 |
| Noninterest income to average assets | 0.0617% | 6,763 |
| Noninterest expense to average assets | 2.5436% | 4,947 |
| Loan and lease loss provision to assets | 0.0055% | 5,741 |
| Net operating income to assets | 0.0233% | 6,248 |
| Return on assets (ROA) | 0.0233% | 6,382 |
| Pretax return on assets | 0.0398% | 6,352 |
| Return on Equity (ROE) | 0.1524% | 6,385 |
| Retained earnings to average equity (ytd only) | 0.1524% | 6,027 |
| Net charge-offs to loans | 0.4344% | 2,362 |
| Credit loss provision to net charge-offs | 6.7797% | 5,113 |
| Earnings coverage of net charge-offs (x) | 0.5594% | 5,042 |
| Efficiency ratio | 98.2512% | 596 |
| Assets per employee ($millions) | 7.9581% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 6,517 |
| Loan loss allowance to noncurrent loans | 53.9623% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 5,441 |
| Noncurrent loans to loans | 1.5676% | 3,439 |
| Net loans and leases to total assets | 17.5524% | 7,052 |
| Net loans and leases to deposits | 21.4746% | 7,063 |
| Net loans and leases to core deposits | 22.0208% | 7,063 |
| Total domestic deposits to total assets | 81.7356% | 5,110 |
| Equity capital to assets | 15.9042% | 625 |
| Core capital (leverage) ratio | 16.8787% | 379 |
| Tier 1 risk-based capital ratio | 62.7148% | 88 |
| Total risk-based capital ratio | 63.2984% | 88 |
| Memoranda: | ||
| Average total assets | $97,182,500 | 4,955 |
| Average earning assets | $93,573,500 | 4,808 |
| Average equity | $14,871,500 | 4,031 |
| Average total loans | $18,107,250 | 6,592 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3941% | 6,732 |
| Cost of funding earning assets | 0.7197% | 3,856 |
| Net interest margin | 2.6744% | 6,737 |
| Noninterest income to average assets | 0.0716% | 6,789 |
| Noninterest expense to average assets | 2.5311% | 5,034 |
| Loan and lease loss provision to assets | 0.0061% | 5,579 |
| Net operating income to assets | 0.0614% | 6,237 |
| Return on assets (ROA) | 0.0614% | 6,377 |
| Pretax return on assets | 0.1044% | 6,322 |
| Return on Equity (ROE) | 0.4063% | 6,404 |
| Retained earnings to average equity (ytd only) | 0.4063% | 5,908 |
| Net charge-offs to loans | 0.6376% | 1,724 |
| Credit loss provision to net charge-offs | 5.0847% | 4,783 |
| Earnings coverage of net charge-offs (x) | 0.9153% | 4,580 |
| Efficiency ratio | 95.8172% | 711 |
| Assets per employee ($millions) | 8.0405% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 6,703 |
| Loan loss allowance to noncurrent loans | 175.3086% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 5,924 |
| Noncurrent loans to loans | 0.4487% | 5,639 |
| Net loans and leases to total assets | 18.5623% | 7,101 |
| Net loans and leases to deposits | 22.5473% | 7,105 |
| Net loans and leases to core deposits | 22.9609% | 7,112 |
| Total domestic deposits to total assets | 82.3259% | 5,008 |
| Equity capital to assets | 15.4655% | 683 |
| Core capital (leverage) ratio | 16.5594% | 405 |
| Tier 1 risk-based capital ratio | 61.2603% | 91 |
| Total risk-based capital ratio | 61.8259% | 92 |
| Memoranda: | ||
| Average total assets | $97,744,330 | 4,961 |
| Average earning assets | $93,928,670 | 4,819 |
| Average equity | $14,766,000 | 4,040 |
| Average total loans | $18,508,000 | 6,622 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4081% | 6,802 |
| Cost of funding earning assets | 0.7484% | 3,873 |
| Net interest margin | 2.6597% | 6,821 |
| Noninterest income to average assets | 0.0610% | 6,892 |
| Noninterest expense to average assets | 2.4641% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0895% | 6,257 |
| Return on assets (ROA) | 0.0895% | 6,381 |
| Pretax return on assets | 0.1545% | 6,285 |
| Return on Equity (ROE) | 0.5991% | 6,423 |
| Retained earnings to average equity (ytd only) | 0.5991% | 5,815 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0994% | 816 |
| Assets per employee ($millions) | 7.0321% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 6,007 |
| Loan loss allowance to noncurrent loans | 238.5542% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 6,059 |
| Noncurrent loans to loans | 0.4488% | 5,778 |
| Net loans and leases to total assets | 18.5822% | 7,162 |
| Net loans and leases to deposits | 22.3870% | 7,162 |
| Net loans and leases to core deposits | 22.6159% | 7,172 |
| Total domestic deposits to total assets | 83.0044% | 4,925 |
| Equity capital to assets | 14.9336% | 761 |
| Core capital (leverage) ratio | 15.7610% | 494 |
| Tier 1 risk-based capital ratio | 59.6184% | 96 |
| Total risk-based capital ratio | 60.3863% | 96 |
| Memoranda: | ||
| Average total assets | $98,373,500 | 4,967 |
| Average earning assets | $94,598,500 | 4,829 |
| Average equity | $14,688,000 | 4,057 |
| Average total loans | $18,736,000 | 6,673 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 6,936 |
| Cost of funding earning assets | 0.8973% | 4,136 |
| Net interest margin | 2.6918% | 6,930 |
| Noninterest income to average assets | 0.0507% | 6,831 |
| Noninterest expense to average assets | 2.3805% | 5,825 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1624% | 5,699 |
| Return on assets (ROA) | 0.1624% | 5,835 |
| Pretax return on assets | 0.2760% | 5,621 |
| Return on Equity (ROE) | 1.0766% | 5,949 |
| Retained earnings to average equity (ytd only) | 1.0766% | 5,355 |
| Net charge-offs to loans | -0.1403% | 7,178 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6104% | 1,222 |
| Assets per employee ($millions) | 7.0213% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 6,022 |
| Loan loss allowance to noncurrent loans | 247.5000% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 6,163 |
| Noncurrent loans to loans | 0.4215% | 5,866 |
| Net loans and leases to total assets | 19.1072% | 7,218 |
| Net loans and leases to deposits | 23.0248% | 7,221 |
| Net loans and leases to core deposits | 23.4353% | 7,220 |
| Total domestic deposits to total assets | 82.9854% | 4,751 |
| Equity capital to assets | 14.9281% | 800 |
| Core capital (leverage) ratio | 15.5687% | 511 |
| Tier 1 risk-based capital ratio | 59.1545% | 97 |
| Total risk-based capital ratio | 59.9175% | 96 |
| Memoranda: | ||
| Average total assets | $98,549,800 | 4,932 |
| Average earning assets | $95,402,400 | 4,775 |
| Average equity | $14,861,400 | 3,938 |
| Average total loans | $19,953,800 | 6,660 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6305% | 6,992 |
| Cost of funding earning assets | 0.9198% | 4,274 |
| Net interest margin | 2.7107% | 6,983 |
| Noninterest income to average assets | 0.0514% | 6,951 |
| Noninterest expense to average assets | 2.3985% | 5,769 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1663% | 5,783 |
| Return on assets (ROA) | 0.1663% | 5,912 |
| Pretax return on assets | 0.2826% | 5,739 |
| Return on Equity (ROE) | 1.1001% | 6,049 |
| Retained earnings to average equity (ytd only) | 1.1001% | 5,581 |
| Net charge-offs to loans | 0.0726% | 5,233 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 18.9952% | 1,275 |
| Efficiency ratio | 89.4604% | 1,203 |
| Assets per employee ($millions) | 7.0677% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7999% | 6,823 |
| Loan loss allowance to noncurrent loans | 51.9608% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 6,294 |
| Noncurrent loans to loans | 1.5395% | 3,975 |
| Net loans and leases to total assets | 19.9276% | 7,284 |
| Net loans and leases to deposits | 24.2429% | 7,291 |
| Net loans and leases to core deposits | 24.6762% | 7,291 |
| Total domestic deposits to total assets | 82.1997% | 5,009 |
| Equity capital to assets | 15.7467% | 678 |
| Core capital (leverage) ratio | 15.5388% | 569 |
| Tier 1 risk-based capital ratio | 52.7543% | 135 |
| Total risk-based capital ratio | 53.3021% | 139 |
| Memoranda: | ||
| Average total assets | $98,612,750 | 4,961 |
| Average earning assets | $95,668,250 | 4,788 |
| Average equity | $14,908,250 | 3,935 |
| Average total loans | $20,197,250 | 6,714 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6601% | 7,049 |
| Cost of funding earning assets | 0.9438% | 4,368 |
| Net interest margin | 2.7163% | 7,009 |
| Noninterest income to average assets | 0.0548% | 7,028 |
| Noninterest expense to average assets | 2.4568% | 5,673 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1340% | 5,922 |
| Return on assets (ROA) | 0.1340% | 6,017 |
| Pretax return on assets | 0.2335% | 5,853 |
| Return on Equity (ROE) | 0.8989% | 6,110 |
| Retained earnings to average equity (ytd only) | 0.8989% | 5,509 |
| Net charge-offs to loans | 0.0788% | 4,854 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 14.3750% | 1,485 |
| Efficiency ratio | 91.3208% | 1,147 |
| Assets per employee ($millions) | 7.1015% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7991% | 6,868 |
| Loan loss allowance to noncurrent loans | 53.1148% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 6,363 |
| Noncurrent loans to loans | 1.5045% | 4,162 |
| Net loans and leases to total assets | 20.2281% | 7,366 |
| Net loans and leases to deposits | 24.2886% | 7,371 |
| Net loans and leases to core deposits | 24.7131% | 7,375 |
| Total domestic deposits to total assets | 83.2822% | 4,645 |
| Equity capital to assets | 15.0572% | 810 |
| Core capital (leverage) ratio | 15.5276% | 573 |
| Tier 1 risk-based capital ratio | 55.0202% | 128 |
| Total risk-based capital ratio | 55.6044% | 131 |
| Memoranda: | ||
| Average total assets | $98,501,000 | 5,005 |
| Average earning assets | $95,570,330 | 4,834 |
| Average equity | $14,684,000 | 3,961 |
| Average total loans | $20,304,000 | 6,765 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6939% | 7,075 |
| Cost of funding earning assets | 0.9677% | 4,444 |
| Net interest margin | 2.7263% | 6,988 |
| Noninterest income to average assets | 0.0612% | 7,091 |
| Noninterest expense to average assets | 2.4602% | 5,706 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1469% | 5,953 |
| Return on assets (ROA) | 0.1469% | 6,010 |
| Pretax return on assets | 0.2448% | 5,824 |
| Return on Equity (ROE) | 0.9903% | 6,136 |
| Retained earnings to average equity (ytd only) | 0.9903% | 5,432 |
| Net charge-offs to loans | 0.0787% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,339 |
| Efficiency ratio | 90.9502% | 1,246 |
| Assets per employee ($millions) | 6.9951% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 6,863 |
| Loan loss allowance to noncurrent loans | 54.2484% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 6,417 |
| Noncurrent loans to loans | 1.5286% | 4,182 |
| Net loans and leases to total assets | 20.2714% | 7,421 |
| Net loans and leases to deposits | 24.1929% | 7,433 |
| Net loans and leases to core deposits | 24.4380% | 7,436 |
| Total domestic deposits to total assets | 83.7906% | 4,577 |
| Equity capital to assets | 14.8155% | 808 |
| Core capital (leverage) ratio | 15.6034% | 563 |
| Tier 1 risk-based capital ratio | 55.8322% | 123 |
| Total risk-based capital ratio | 56.4409% | 125 |
| Memoranda: | ||
| Average total assets | $98,041,000 | 5,054 |
| Average earning assets | $95,075,000 | 4,879 |
| Average equity | $14,541,000 | 3,985 |
| Average total loans | $20,319,500 | 6,822 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 7,037 |
| Cost of funding earning assets | 1.2135% | 4,468 |
| Net interest margin | 2.8949% | 6,901 |
| Noninterest income to average assets | 0.0557% | 7,081 |
| Noninterest expense to average assets | 2.2250% | 6,554 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3766% | 4,653 |
| Return on assets (ROA) | 0.3766% | 4,799 |
| Pretax return on assets | 0.6246% | 4,245 |
| Return on Equity (ROE) | 2.4982% | 5,184 |
| Retained earnings to average equity (ytd only) | 2.4982% | 4,125 |
| Net charge-offs to loans | 0.0499% | 6,296 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 56.0909% | 420 |
| Efficiency ratio | 78.0817% | 2,695 |
| Assets per employee ($millions) | 7.0108% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 6,922 |
| Loan loss allowance to noncurrent loans | 31.4815% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 5,933 |
| Noncurrent loans to loans | 2.6187% | 2,908 |
| Net loans and leases to total assets | 20.8363% | 7,512 |
| Net loans and leases to deposits | 24.8868% | 7,524 |
| Net loans and leases to core deposits | 25.2578% | 7,520 |
| Total domestic deposits to total assets | 83.7241% | 4,492 |
| Equity capital to assets | 14.8475% | 825 |
| Core capital (leverage) ratio | 15.2510% | 624 |
| Tier 1 risk-based capital ratio | 55.0243% | 122 |
| Total risk-based capital ratio | 55.6401% | 128 |
| Memoranda: | ||
| Average total assets | $98,785,200 | 5,019 |
| Average earning assets | $95,341,200 | 4,855 |
| Average equity | $14,891,000 | 3,960 |
| Average total loans | $22,055,200 | 6,818 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 7,070 |
| Cost of funding earning assets | 1.2636% | 4,473 |
| Net interest margin | 2.9508% | 6,925 |
| Noninterest income to average assets | 0.0579% | 7,235 |
| Noninterest expense to average assets | 2.2302% | 6,523 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4123% | 4,695 |
| Return on assets (ROA) | 0.4123% | 4,870 |
| Pretax return on assets | 0.6724% | 4,336 |
| Return on Equity (ROE) | 2.7253% | 5,335 |
| Retained earnings to average equity (ytd only) | 2.7253% | 4,521 |
| Net charge-offs to loans | 0.0476% | 6,048 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 62.3543% | 472 |
| Efficiency ratio | 76.8338% | 2,788 |
| Assets per employee ($millions) | 7.1641% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 6,965 |
| Loan loss allowance to noncurrent loans | 32.2160% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 6,085 |
| Noncurrent loans to loans | 2.5373% | 3,084 |
| Net loans and leases to total assets | 20.9286% | 7,611 |
| Net loans and leases to deposits | 25.3053% | 7,623 |
| Net loans and leases to core deposits | 25.8523% | 7,623 |
| Total domestic deposits to total assets | 82.7045% | 4,712 |
| Equity capital to assets | 15.3213% | 818 |
| Core capital (leverage) ratio | 15.0768% | 704 |
| Tier 1 risk-based capital ratio | 53.3080% | 140 |
| Total risk-based capital ratio | 53.9177% | 140 |
| Memoranda: | ||
| Average total assets | $98,943,750 | 5,081 |
| Average earning assets | $95,383,500 | 4,914 |
| Average equity | $14,970,500 | 3,992 |
| Average total loans | $22,413,750 | 6,888 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 6,988 |
| Cost of funding earning assets | 1.3260% | 4,371 |
| Net interest margin | 3.0083% | 6,808 |
| Noninterest income to average assets | 0.0609% | 7,279 |
| Noninterest expense to average assets | 2.2641% | 6,463 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4244% | 4,638 |
| Return on assets (ROA) | 0.4244% | 4,801 |
| Pretax return on assets | 0.6945% | 4,256 |
| Return on Equity (ROE) | 2.8170% | 5,321 |
| Retained earnings to average equity (ytd only) | 2.8170% | 4,346 |
| Net charge-offs to loans | 0.0438% | 5,767 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 68.4000% | 457 |
| Efficiency ratio | 76.5271% | 2,977 |
| Assets per employee ($millions) | 7.1144% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7879% | 7,060 |
| Loan loss allowance to noncurrent loans | 33.5878% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 6,150 |
| Noncurrent loans to loans | 2.3458% | 3,319 |
| Net loans and leases to total assets | 22.2508% | 7,662 |
| Net loans and leases to deposits | 26.9339% | 7,676 |
| Net loans and leases to core deposits | 27.6983% | 7,680 |
| Total domestic deposits to total assets | 82.6126% | 4,731 |
| Equity capital to assets | 15.4185% | 790 |
| Core capital (leverage) ratio | 15.2291% | 683 |
| Tier 1 risk-based capital ratio | 52.8431% | 142 |
| Total risk-based capital ratio | 53.4620% | 144 |
| Memoranda: | ||
| Average total assets | $98,492,330 | 5,125 |
| Average earning assets | $94,871,330 | 4,965 |
| Average equity | $14,838,330 | 4,023 |
| Average total loans | $22,830,330 | 6,916 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4020% | 6,994 |
| Cost of funding earning assets | 1.3669% | 4,378 |
| Net interest margin | 3.0351% | 6,754 |
| Noninterest income to average assets | 0.0653% | 7,394 |
| Noninterest expense to average assets | 2.2422% | 6,575 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4738% | 4,517 |
| Return on assets (ROA) | 0.4738% | 4,649 |
| Pretax return on assets | 0.7433% | 4,085 |
| Return on Equity (ROE) | 3.1827% | 5,258 |
| Retained earnings to average equity (ytd only) | 3.1827% | 4,233 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1026% | 3,384 |
| Assets per employee ($millions) | 7.0347% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 7,129 |
| Loan loss allowance to noncurrent loans | 34.2155% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 6,161 |
| Noncurrent loans to loans | 2.3382% | 3,344 |
| Net loans and leases to total assets | 22.7880% | 7,747 |
| Net loans and leases to deposits | 27.3282% | 7,765 |
| Net loans and leases to core deposits | 28.0121% | 7,767 |
| Total domestic deposits to total assets | 83.3865% | 4,434 |
| Equity capital to assets | 14.9412% | 897 |
| Core capital (leverage) ratio | 15.2747% | 694 |
| Tier 1 risk-based capital ratio | 52.5825% | 138 |
| Total risk-based capital ratio | 53.2197% | 142 |
| Memoranda: | ||
| Average total assets | $97,938,000 | 5,209 |
| Average earning assets | $94,230,500 | 5,040 |
| Average equity | $14,579,000 | 4,103 |
| Average total loans | $23,076,500 | 6,985 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6021% | 7,287 |
| Cost of funding earning assets | 1.7794% | 4,107 |
| Net interest margin | 2.8227% | 7,021 |
| Noninterest income to average assets | 0.0599% | 7,456 |
| Noninterest expense to average assets | 2.4339% | 6,358 |
| Loan and lease loss provision to assets | 0.0214% | 7,289 |
| Net operating income to assets | 0.1913% | 4,925 |
| Return on assets (ROA) | 0.1913% | 4,996 |
| Pretax return on assets | 0.3260% | 4,697 |
| Return on Equity (ROE) | 1.2602% | 5,152 |
| Retained earnings to average equity (ytd only) | 1.2602% | 4,160 |
| Net charge-offs to loans | 0.0741% | 6,371 |
| Credit loss provision to net charge-offs | 117.6471% | 4,605 |
| Earnings coverage of net charge-offs (x) | 19.1176% | 1,100 |
| Efficiency ratio | 87.5096% | 1,927 |
| Assets per employee ($millions) | 6.9564% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 7,208 |
| Loan loss allowance to noncurrent loans | 34.5420% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 6,104 |
| Noncurrent loans to loans | 2.2270% | 3,363 |
| Net loans and leases to total assets | 23.9737% | 7,807 |
| Net loans and leases to deposits | 28.6552% | 7,826 |
| Net loans and leases to core deposits | 33.1065% | 7,845 |
| Total domestic deposits to total assets | 83.6626% | 4,199 |
| Equity capital to assets | 14.8301% | 946 |
| Core capital (leverage) ratio | 15.4557% | 698 |
| Tier 1 risk-based capital ratio | 51.3071% | 156 |
| Total risk-based capital ratio | 51.9338% | 157 |
| Memoranda: | ||
| Average total assets | $93,553,400 | 5,283 |
| Average earning assets | $90,198,200 | 5,114 |
| Average equity | $14,203,600 | 4,207 |
| Average total loans | $22,948,200 | 7,029 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6548% | 7,346 |
| Cost of funding earning assets | 1.8667% | 4,064 |
| Net interest margin | 2.7881% | 7,077 |
| Noninterest income to average assets | 0.0619% | 7,599 |
| Noninterest expense to average assets | 2.4781% | 6,150 |
| Loan and lease loss provision to assets | 0.0072% | 7,248 |
| Net operating income to assets | 0.1555% | 5,303 |
| Return on assets (ROA) | 0.1555% | 5,362 |
| Pretax return on assets | 0.2693% | 5,139 |
| Return on Equity (ROE) | 1.0181% | 5,489 |
| Retained earnings to average equity (ytd only) | 1.0181% | 4,741 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9634% | 1,692 |
| Assets per employee ($millions) | 7.2647% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 7,185 |
| Loan loss allowance to noncurrent loans | 82.4324% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 6,930 |
| Noncurrent loans to loans | 0.9457% | 5,407 |
| Net loans and leases to total assets | 24.6630% | 7,890 |
| Net loans and leases to deposits | 29.7787% | 7,911 |
| Net loans and leases to core deposits | 33.8099% | 7,921 |
| Total domestic deposits to total assets | 82.8210% | 4,315 |
| Equity capital to assets | 15.3101% | 927 |
| Core capital (leverage) ratio | 15.7449% | 720 |
| Tier 1 risk-based capital ratio | 52.6472% | 154 |
| Total risk-based capital ratio | 53.3005% | 157 |
| Memoranda: | ||
| Average total assets | $92,594,250 | 5,347 |
| Average earning assets | $89,425,500 | 5,181 |
| Average equity | $14,143,750 | 4,255 |
| Average total loans | $22,803,000 | 7,105 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7053% | 7,384 |
| Cost of funding earning assets | 1.9504% | 4,002 |
| Net interest margin | 2.7549% | 7,098 |
| Noninterest income to average assets | 0.0652% | 7,661 |
| Noninterest expense to average assets | 2.5288% | 6,023 |
| Loan and lease loss provision to assets | -0.0087% | 8,139 |
| Net operating income to assets | 0.1326% | 5,469 |
| Return on assets (ROA) | 0.1326% | 5,574 |
| Pretax return on assets | 0.2109% | 5,440 |
| Return on Equity (ROE) | 0.8690% | 5,670 |
| Retained earnings to average equity (ytd only) | 0.8690% | 4,833 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5955% | 1,597 |
| Assets per employee ($millions) | 7.1818% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 7,219 |
| Loan loss allowance to noncurrent loans | 79.0909% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 6,907 |
| Noncurrent loans to loans | 0.9864% | 5,234 |
| Net loans and leases to total assets | 23.7029% | 7,997 |
| Net loans and leases to deposits | 28.8087% | 8,008 |
| Net loans and leases to core deposits | 32.7866% | 8,014 |
| Total domestic deposits to total assets | 82.2769% | 4,579 |
| Equity capital to assets | 14.9865% | 1,027 |
| Core capital (leverage) ratio | 15.3201% | 853 |
| Tier 1 risk-based capital ratio | 52.8292% | 161 |
| Total risk-based capital ratio | 53.4761% | 163 |
| Memoranda: | ||
| Average total assets | $91,978,670 | 5,407 |
| Average earning assets | $89,006,000 | 5,234 |
| Average equity | $14,038,670 | 4,299 |
| Average total loans | $22,579,000 | 7,175 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 7,418 |
| Cost of funding earning assets | 2.0008% | 4,125 |
| Net interest margin | 2.7658% | 7,062 |
| Noninterest income to average assets | 0.0613% | 7,762 |
| Noninterest expense to average assets | 2.5897% | 5,500 |
| Loan and lease loss provision to assets | -0.0088% | 8,173 |
| Net operating income to assets | 0.1052% | 5,965 |
| Return on assets (ROA) | 0.1052% | 6,132 |
| Pretax return on assets | 0.1577% | 6,035 |
| Return on Equity (ROE) | 0.6827% | 6,228 |
| Retained earnings to average equity (ytd only) | 0.6827% | 5,386 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5600% | 1,400 |
| Assets per employee ($millions) | 7.1308% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7808% | 7,225 |
| Loan loss allowance to noncurrent loans | 2,933.3333% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 7,628 |
| Noncurrent loans to loans | 0.0266% | 7,478 |
| Net loans and leases to total assets | 24.1251% | 8,033 |
| Net loans and leases to deposits | 29.4275% | 8,048 |
| Net loans and leases to core deposits | 33.5036% | 8,053 |
| Total domestic deposits to total assets | 81.9817% | 4,553 |
| Equity capital to assets | 15.2934% | 1,016 |
| Core capital (leverage) ratio | 15.7503% | 819 |
| Tier 1 risk-based capital ratio | 54.0354% | 169 |
| Total risk-based capital ratio | 54.6995% | 169 |
| Memoranda: | ||
| Average total assets | $91,286,000 | 5,444 |
| Average earning assets | $88,364,000 | 5,277 |
| Average equity | $14,062,000 | 4,315 |
| Average total loans | $22,716,500 | 7,199 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 7,900 |
| Cost of funding earning assets | 2.2478% | 5,379 |
| Net interest margin | 2.6450% | 7,588 |
| Noninterest income to average assets | 0.0879% | 7,698 |
| Noninterest expense to average assets | 2.3401% | 6,588 |
| Loan and lease loss provision to assets | 0.0327% | 6,997 |
| Net operating income to assets | 0.1774% | 5,918 |
| Return on assets (ROA) | 0.1804% | 5,746 |
| Pretax return on assets | 0.2795% | 5,550 |
| Return on Equity (ROE) | 1.1028% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.1028% | 4,568 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3780% | 1,644 |
| Assets per employee ($millions) | 6.9132% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7775% | 7,181 |
| Loan loss allowance to noncurrent loans | 2,966.6667% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 7,618 |
| Noncurrent loans to loans | 0.0262% | 7,408 |
| Net loans and leases to total assets | 25.2748% | 8,083 |
| Net loans and leases to deposits | 30.9397% | 8,107 |
| Net loans and leases to core deposits | 34.5891% | 8,120 |
| Total domestic deposits to total assets | 81.6906% | 4,326 |
| Equity capital to assets | 15.5187% | 1,041 |
| Core capital (leverage) ratio | 16.5249% | 756 |
| Tier 1 risk-based capital ratio | 55.6287% | 174 |
| Total risk-based capital ratio | 56.3100% | 174 |
| Memoranda: | ||
| Average total assets | $88,714,800 | 5,397 |
| Average earning assets | $85,860,400 | 5,240 |
| Average equity | $14,508,400 | 4,238 |
| Average total loans | $23,078,600 | 7,130 |