Home > Woodruff Federal Savings and Loan Association > Performance and Condition Ratios
Woodruff Federal Savings and Loan Association, 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 | 4.3945% | 3,994 |
| Cost of funding earning assets | 2.1150% | 1,616 |
| Net interest margin | 2.2795% | 4,176 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 1.9685% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.2664% | 3,906 |
| Return on assets (ROA) | 0.2664% | 3,933 |
| Pretax return on assets | 0.2622% | 3,976 |
| Return on Equity (ROE) | 0.7700% | 4,113 |
| Retained earnings to average equity (ytd only) | 0.7686% | 3,543 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 88.2463% | 565 |
| Assets per employee ($millions) | 9.6639% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 2,574 |
| Loan loss allowance to noncurrent loans | 282.2581% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 2,253 |
| Noncurrent loans to loans | 0.4001% | 2,119 |
| Net loans and leases to total assets | 63.4100% | 2,561 |
| Net loans and leases to deposits | 99.3547% | 438 |
| Net loans and leases to core deposits | 126.3245% | 395 |
| Total domestic deposits to total assets | 63.8200% | 4,285 |
| Equity capital to assets | 34.4975% | 149 |
| Core capital (leverage) ratio | 33.2576% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $96,113,000 | 3,810 |
| Average earning assets | $87,564,500 | 3,801 |
| Average equity | $33,306,000 | 2,296 |
| Average total loans | $61,572,000 | 3,681 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 4,007 |
| Cost of funding earning assets | 2.1735% | 1,806 |
| Net interest margin | 2.2032% | 4,159 |
| Noninterest income to average assets | 0.1500% | 3,997 |
| Noninterest expense to average assets | 2.0386% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.1707% | 4,017 |
| Return on assets (ROA) | 0.1707% | 4,047 |
| Pretax return on assets | 0.1135% | 4,113 |
| Return on Equity (ROE) | 0.4900% | 4,145 |
| Retained earnings to average equity (ytd only) | 0.4942% | 3,786 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 94.7267% | 371 |
| Assets per employee ($millions) | 8.6897% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 2,449 |
| Loan loss allowance to noncurrent loans | 276.6798% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 2,187 |
| Noncurrent loans to loans | 0.4136% | 2,042 |
| Net loans and leases to total assets | 63.2600% | 2,642 |
| Net loans and leases to deposits | 99.5505% | 511 |
| Net loans and leases to core deposits | 124.6218% | 477 |
| Total domestic deposits to total assets | 63.5400% | 4,303 |
| Equity capital to assets | 34.8102% | 147 |
| Core capital (leverage) ratio | 32.8341% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $96,047,800 | 3,809 |
| Average earning assets | $87,462,400 | 3,808 |
| Average equity | $33,187,400 | 2,250 |
| Average total loans | $59,822,200 | 3,691 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2898% | 4,072 |
| Cost of funding earning assets | 2.1236% | 1,919 |
| Net interest margin | 2.1662% | 4,192 |
| Noninterest income to average assets | 0.1500% | 4,001 |
| Noninterest expense to average assets | 2.0562% | 3,432 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.1317% | 4,077 |
| Return on assets (ROA) | 0.1317% | 4,106 |
| Pretax return on assets | 0.0652% | 4,183 |
| Return on Equity (ROE) | 0.3800% | 4,204 |
| Retained earnings to average equity (ytd only) | 0.3819% | 3,880 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 96.9281% | 338 |
| Assets per employee ($millions) | 8.9521% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 2,419 |
| Loan loss allowance to noncurrent loans | 180.8786% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 1,697 |
| Noncurrent loans to loans | 0.6418% | 1,508 |
| Net loans and leases to total assets | 60.5200% | 2,879 |
| Net loans and leases to deposits | 93.8977% | 863 |
| Net loans and leases to core deposits | 115.0927% | 760 |
| Total domestic deposits to total assets | 64.4500% | 4,323 |
| Equity capital to assets | 33.7199% | 144 |
| Core capital (leverage) ratio | 32.4524% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $96,163,000 | 3,822 |
| Average earning assets | $87,586,250 | 3,816 |
| Average equity | $33,165,750 | 2,247 |
| Average total loans | $59,486,750 | 3,710 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 4,087 |
| Cost of funding earning assets | 2.0149% | 2,086 |
| Net interest margin | 2.2340% | 4,137 |
| Noninterest income to average assets | 0.1400% | 4,045 |
| Noninterest expense to average assets | 2.0714% | 3,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.1656% | 4,048 |
| Return on assets (ROA) | 0.1656% | 4,077 |
| Pretax return on assets | 0.1048% | 4,154 |
| Return on Equity (ROE) | 0.4800% | 4,199 |
| Retained earnings to average equity (ytd only) | 0.4766% | 3,727 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 95.1830% | 401 |
| Assets per employee ($millions) | 9.6777% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 2,359 |
| Loan loss allowance to noncurrent loans | 176.7677% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 1,567 |
| Noncurrent loans to loans | 0.6655% | 1,383 |
| Net loans and leases to total assets | 60.7600% | 2,885 |
| Net loans and leases to deposits | 94.8555% | 877 |
| Net loans and leases to core deposits | 116.4564% | 746 |
| Total domestic deposits to total assets | 64.0500% | 4,334 |
| Equity capital to assets | 34.2943% | 147 |
| Core capital (leverage) ratio | 33.6574% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $95,393,000 | 3,842 |
| Average earning assets | $86,751,667 | 3,842 |
| Average equity | $33,152,667 | 2,217 |
| Average total loans | $59,217,333 | 3,724 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 3,993 |
| Cost of funding earning assets | 1.9637% | 2,084 |
| Net interest margin | 2.3081% | 4,094 |
| Noninterest income to average assets | 0.1400% | 4,022 |
| Noninterest expense to average assets | 2.0992% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.2070% | 3,964 |
| Return on assets (ROA) | 0.2070% | 4,003 |
| Pretax return on assets | 0.1352% | 4,124 |
| Return on Equity (ROE) | 0.5900% | 4,187 |
| Retained earnings to average equity (ytd only) | 0.5915% | 3,578 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 93.9509% | 444 |
| Assets per employee ($millions) | 8.5208% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 2,402 |
| Loan loss allowance to noncurrent loans | 170.7317% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 1,424 |
| Noncurrent loans to loans | 0.6892% | 1,285 |
| Net loans and leases to total assets | 62.7200% | 2,595 |
| Net loans and leases to deposits | 99.6795% | 492 |
| Net loans and leases to core deposits | 120.5566% | 617 |
| Total domestic deposits to total assets | 62.9200% | 4,400 |
| Equity capital to assets | 35.3775% | 144 |
| Core capital (leverage) ratio | 33.7604% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $94,701,000 | 3,866 |
| Average earning assets | $85,959,500 | 3,869 |
| Average equity | $33,134,500 | 2,221 |
| Average total loans | $59,076,000 | 3,735 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 3,672 |
| Cost of funding earning assets | 1.6821% | 1,486 |
| Net interest margin | 2.4942% | 4,095 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.0861% | 3,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3059% | 4,018 |
| Return on assets (ROA) | 0.3059% | 4,015 |
| Pretax return on assets | 0.3101% | 4,085 |
| Return on Equity (ROE) | 0.8800% | 4,272 |
| Retained earnings to average equity (ytd only) | 0.8836% | 3,857 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.0573% | 514 |
| Assets per employee ($millions) | 8.6975% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,339 |
| Loan loss allowance to noncurrent loans | 156.9507% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 1,201 |
| Noncurrent loans to loans | 0.7602% | 1,024 |
| Net loans and leases to total assets | 60.5900% | 2,798 |
| Net loans and leases to deposits | 94.9561% | 870 |
| Net loans and leases to core deposits | 114.4739% | 798 |
| Total domestic deposits to total assets | 63.8000% | 4,409 |
| Equity capital to assets | 34.6075% | 148 |
| Core capital (leverage) ratio | 33.3591% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $95,441,600 | 3,868 |
| Average earning assets | $86,320,400 | 3,866 |
| Average equity | $33,048,400 | 2,142 |
| Average total loans | $57,527,200 | 3,742 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1434% | 3,573 |
| Cost of funding earning assets | 1.5949% | 1,380 |
| Net interest margin | 2.5485% | 4,086 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.0925% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3411% | 4,071 |
| Return on assets (ROA) | 0.3411% | 4,070 |
| Pretax return on assets | 0.3523% | 4,115 |
| Return on Equity (ROE) | 0.9800% | 4,318 |
| Retained earnings to average equity (ytd only) | 0.9848% | 3,953 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.5918% | 530 |
| Assets per employee ($millions) | 8.7255% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,211 |
| Loan loss allowance to noncurrent loans | 135.9223% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 1,091 |
| Noncurrent loans to loans | 0.9056% | 912 |
| Net loans and leases to total assets | 58.5200% | 2,986 |
| Net loans and leases to deposits | 91.6756% | 1,081 |
| Net loans and leases to core deposits | 111.3013% | 823 |
| Total domestic deposits to total assets | 63.8300% | 4,434 |
| Equity capital to assets | 34.3974% | 152 |
| Core capital (leverage) ratio | 33.1085% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $95,383,750 | 3,884 |
| Average earning assets | $86,272,500 | 3,880 |
| Average equity | $33,033,000 | 2,124 |
| Average total loans | $57,242,750 | 3,750 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0329% | 3,619 |
| Cost of funding earning assets | 1.4729% | 1,293 |
| Net interest margin | 2.5601% | 4,151 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.0781% | 3,404 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3551% | 4,082 |
| Return on assets (ROA) | 0.3551% | 4,103 |
| Pretax return on assets | 0.3740% | 4,152 |
| Return on Equity (ROE) | 1.0200% | 4,369 |
| Retained earnings to average equity (ytd only) | 1.0230% | 3,908 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.7472% | 554 |
| Assets per employee ($millions) | 8.7435% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,475 |
| Loan loss allowance to noncurrent loans | 120.2960% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 1,101 |
| Noncurrent loans to loans | 0.8225% | 934 |
| Net loans and leases to total assets | 59.2000% | 2,845 |
| Net loans and leases to deposits | 92.5961% | 977 |
| Net loans and leases to core deposits | 110.8964% | 791 |
| Total domestic deposits to total assets | 63.9400% | 4,454 |
| Equity capital to assets | 34.4368% | 147 |
| Core capital (leverage) ratio | 33.3438% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $95,184,667 | 3,892 |
| Average earning assets | $86,091,000 | 3,896 |
| Average equity | $33,039,000 | 2,140 |
| Average total loans | $57,368,333 | 3,761 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0062% | 3,443 |
| Cost of funding earning assets | 1.3370% | 1,156 |
| Net interest margin | 2.6692% | 4,114 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.1207% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3886% | 4,103 |
| Return on assets (ROA) | 0.3886% | 4,053 |
| Pretax return on assets | 0.4224% | 4,102 |
| Return on Equity (ROE) | 1.1200% | 4,373 |
| Retained earnings to average equity (ytd only) | 1.1152% | 3,849 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.3887% | 622 |
| Assets per employee ($millions) | 8.7001% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 3,552 |
| Loan loss allowance to noncurrent loans | 117.3196% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 1,022 |
| Noncurrent loans to loans | 0.8442% | 905 |
| Net loans and leases to total assets | 59.4400% | 2,723 |
| Net loans and leases to deposits | 93.1896% | 836 |
| Net loans and leases to core deposits | 113.4712% | 599 |
| Total domestic deposits to total assets | 63.7800% | 4,512 |
| Equity capital to assets | 34.5284% | 108 |
| Core capital (leverage) ratio | 33.1724% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $94,687,500 | 3,951 |
| Average earning assets | $85,268,000 | 3,957 |
| Average equity | $32,998,000 | 2,166 |
| Average total loans | $57,297,000 | 3,805 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2893% | 3,607 |
| Cost of funding earning assets | 0.8025% | 378 |
| Net interest margin | 2.4868% | 4,301 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.9138% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4063% | 4,235 |
| Return on assets (ROA) | 0.4063% | 4,200 |
| Pretax return on assets | 0.4835% | 4,188 |
| Return on Equity (ROE) | 1.2200% | 4,468 |
| Retained earnings to average equity (ytd only) | 1.2228% | 4,153 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.8305% | 726 |
| Assets per employee ($millions) | 8.5158% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 3,417 |
| Loan loss allowance to noncurrent loans | 115.4158% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 955 |
| Noncurrent loans to loans | 0.8627% | 865 |
| Net loans and leases to total assets | 60.3900% | 2,606 |
| Net loans and leases to deposits | 95.5093% | 678 |
| Net loans and leases to core deposits | 114.7941% | 466 |
| Total domestic deposits to total assets | 63.2300% | 4,553 |
| Equity capital to assets | 35.1773% | 108 |
| Core capital (leverage) ratio | 33.6731% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $98,443,800 | 3,943 |
| Average earning assets | $88,347,400 | 3,947 |
| Average equity | $32,711,800 | 2,207 |
| Average total loans | $56,178,000 | 3,802 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1614% | 3,531 |
| Cost of funding earning assets | 0.8023% | 151 |
| Net interest margin | 2.3592% | 4,365 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.8975% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3145% | 4,370 |
| Return on assets (ROA) | 0.3145% | 4,322 |
| Pretax return on assets | 0.3653% | 4,312 |
| Return on Equity (ROE) | 0.9600% | 4,498 |
| Retained earnings to average equity (ytd only) | 0.9596% | 4,221 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.8557% | 556 |
| Assets per employee ($millions) | 8.6091% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,389 |
| Loan loss allowance to noncurrent loans | 73.5142% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.8173% | 609 |
| Noncurrent loans to loans | 1.3857% | 522 |
| Net loans and leases to total assets | 58.3800% | 2,655 |
| Net loans and leases to deposits | 91.7538% | 778 |
| Net loans and leases to core deposits | 109.9972% | 468 |
| Total domestic deposits to total assets | 63.6300% | 4,605 |
| Equity capital to assets | 34.6230% | 103 |
| Core capital (leverage) ratio | 32.0337% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $99,636,250 | 3,957 |
| Average earning assets | $89,577,000 | 3,962 |
| Average equity | $32,651,750 | 2,245 |
| Average total loans | $55,936,750 | 3,823 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0173% | 3,513 |
| Cost of funding earning assets | 0.8364% | 83 |
| Net interest margin | 2.1809% | 4,457 |
| Noninterest income to average assets | 0.1323% | 4,345 |
| Noninterest expense to average assets | 1.8819% | 3,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1975% | 4,426 |
| Return on assets (ROA) | 0.1975% | 4,388 |
| Pretax return on assets | 0.2172% | 4,393 |
| Return on Equity (ROE) | 0.6134% | 4,505 |
| Retained earnings to average equity (ytd only) | 0.6134% | 4,074 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6519% | 423 |
| Assets per employee ($millions) | 8.2633% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,466 |
| Loan loss allowance to noncurrent loans | 106.7542% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 1,057 |
| Noncurrent loans to loans | 0.9651% | 864 |
| Net loans and leases to total assets | 55.1216% | 2,841 |
| Net loans and leases to deposits | 84.1630% | 1,108 |
| Net loans and leases to core deposits | 101.6553% | 605 |
| Total domestic deposits to total assets | 65.4938% | 4,661 |
| Equity capital to assets | 32.9299% | 59 |
| Core capital (leverage) ratio | 31.2824% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,281,667 | 3,976 |
| Average earning assets | $91,340,000 | 3,997 |
| Average equity | $32,606,333 | 2,291 |
| Average total loans | $55,963,000 | 3,864 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0446% | 3,122 |
| Cost of funding earning assets | 0.8736% | 62 |
| Net interest margin | 2.1710% | 4,379 |
| Noninterest income to average assets | 0.1329% | 4,350 |
| Noninterest expense to average assets | 1.8213% | 3,888 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2345% | 4,271 |
| Return on assets (ROA) | 0.2345% | 4,239 |
| Pretax return on assets | 0.2736% | 4,221 |
| Return on Equity (ROE) | 0.7366% | 4,456 |
| Retained earnings to average equity (ytd only) | 0.7366% | 3,872 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9403% | 682 |
| Assets per employee ($millions) | 8.4294% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,633 |
| Loan loss allowance to noncurrent loans | 91.9225% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6119% | 975 |
| Noncurrent loans to loans | 1.1104% | 803 |
| Net loans and leases to total assets | 54.5500% | 2,684 |
| Net loans and leases to deposits | 82.3444% | 986 |
| Net loans and leases to core deposits | 101.2663% | 467 |
| Total domestic deposits to total assets | 66.2462% | 4,690 |
| Equity capital to assets | 32.2413% | 55 |
| Core capital (leverage) ratio | 30.8197% | 59 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,343,000 | 3,982 |
| Average earning assets | $92,490,500 | 3,999 |
| Average equity | $32,583,000 | 2,353 |
| Average total loans | $56,331,000 | 3,859 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8900% | 4,071 |
| Cost of funding earning assets | 1.0013% | 74 |
| Net interest margin | 1.8887% | 4,640 |
| Noninterest income to average assets | 0.1786% | 4,263 |
| Noninterest expense to average assets | 1.7299% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1459% | 4,582 |
| Return on assets (ROA) | 0.1459% | 4,595 |
| Pretax return on assets | 0.1526% | 4,602 |
| Return on Equity (ROE) | 0.4682% | 4,660 |
| Retained earnings to average equity (ytd only) | 0.4682% | 4,381 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8919% | 271 |
| Assets per employee ($millions) | 9.4121% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,755 |
| Loan loss allowance to noncurrent loans | 89.1850% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 1,064 |
| Noncurrent loans to loans | 1.1210% | 864 |
| Net loans and leases to total assets | 54.4223% | 2,799 |
| Net loans and leases to deposits | 81.0440% | 1,131 |
| Net loans and leases to core deposits | 99.9769% | 539 |
| Total domestic deposits to total assets | 67.1515% | 4,718 |
| Equity capital to assets | 31.4421% | 54 |
| Core capital (leverage) ratio | 29.9064% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,170,800 | 3,953 |
| Average earning assets | $93,979,000 | 3,975 |
| Average equity | $32,466,200 | 2,409 |
| Average total loans | $57,622,400 | 3,857 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9203% | 4,133 |
| Cost of funding earning assets | 1.0235% | 78 |
| Net interest margin | 1.8968% | 4,719 |
| Noninterest income to average assets | 0.1559% | 4,419 |
| Noninterest expense to average assets | 1.7329% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1304% | 4,673 |
| Return on assets (ROA) | 0.1304% | 4,695 |
| Pretax return on assets | 0.1329% | 4,699 |
| Return on Equity (ROE) | 0.4192% | 4,730 |
| Retained earnings to average equity (ytd only) | 0.4192% | 4,504 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8767% | 253 |
| Assets per employee ($millions) | 9.4947% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 3,930 |
| Loan loss allowance to noncurrent loans | 86.0817% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.6329% | 1,197 |
| Noncurrent loans to loans | 1.1321% | 992 |
| Net loans and leases to total assets | 55.3570% | 2,811 |
| Net loans and leases to deposits | 82.2488% | 1,101 |
| Net loans and leases to core deposits | 101.1282% | 549 |
| Total domestic deposits to total assets | 67.3043% | 4,785 |
| Equity capital to assets | 31.1206% | 61 |
| Core capital (leverage) ratio | 29.3929% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,330,250 | 4,003 |
| Average earning assets | $94,050,500 | 4,021 |
| Average equity | $32,444,500 | 2,439 |
| Average total loans | $57,799,500 | 3,908 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9472% | 4,143 |
| Cost of funding earning assets | 1.0570% | 85 |
| Net interest margin | 1.8902% | 4,756 |
| Noninterest income to average assets | 0.1649% | 4,374 |
| Noninterest expense to average assets | 1.7432% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1227% | 4,692 |
| Return on assets (ROA) | 0.1227% | 4,711 |
| Pretax return on assets | 0.1227% | 4,717 |
| Return on Equity (ROE) | 0.3948% | 4,763 |
| Retained earnings to average equity (ytd only) | 0.3948% | 4,452 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4224% | 266 |
| Assets per employee ($millions) | 9.5067% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 3,885 |
| Loan loss allowance to noncurrent loans | 69.9017% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 1,049 |
| Noncurrent loans to loans | 1.4021% | 834 |
| Net loans and leases to total assets | 54.9706% | 3,022 |
| Net loans and leases to deposits | 81.5043% | 1,273 |
| Net loans and leases to core deposits | 99.8732% | 664 |
| Total domestic deposits to total assets | 67.4451% | 4,801 |
| Equity capital to assets | 31.0450% | 60 |
| Core capital (leverage) ratio | 29.2326% | 68 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.7721% | 48 |
| Memoranda: | ||
| Average total assets | $104,293,000 | 4,024 |
| Average earning assets | $93,853,000 | 4,045 |
| Average equity | $32,425,000 | 2,430 |
| Average total loans | $57,604,333 | 3,940 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8799% | 4,283 |
| Cost of funding earning assets | 1.0955% | 86 |
| Net interest margin | 1.7844% | 4,814 |
| Noninterest income to average assets | 0.1344% | 4,533 |
| Noninterest expense to average assets | 1.7321% | 4,320 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0346% | 4,762 |
| Return on assets (ROA) | 0.0346% | 4,768 |
| Pretax return on assets | 0.0038% | 4,783 |
| Return on Equity (ROE) | 0.1111% | 4,778 |
| Retained earnings to average equity (ytd only) | 0.1111% | 4,354 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7788% | 193 |
| Assets per employee ($millions) | 9.4976% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 3,861 |
| Loan loss allowance to noncurrent loans | 85.4354% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 1,488 |
| Noncurrent loans to loans | 1.1640% | 1,139 |
| Net loans and leases to total assets | 54.2202% | 3,218 |
| Net loans and leases to deposits | 80.3512% | 1,490 |
| Net loans and leases to core deposits | 98.2295% | 795 |
| Total domestic deposits to total assets | 67.4790% | 4,814 |
| Equity capital to assets | 31.0211% | 61 |
| Core capital (leverage) ratio | 29.4196% | 64 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,152,500 | 4,026 |
| Average earning assets | $93,476,000 | 4,059 |
| Average equity | $32,405,000 | 2,422 |
| Average total loans | $57,379,500 | 3,958 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9640% | 4,658 |
| Cost of funding earning assets | 1.3564% | 148 |
| Net interest margin | 1.6076% | 4,907 |
| Noninterest income to average assets | 0.1201% | 4,668 |
| Noninterest expense to average assets | 1.6053% | 4,700 |
| Loan and lease loss provision to assets | -0.1144% | 4,961 |
| Net operating income to assets | 0.1087% | 4,663 |
| Return on assets (ROA) | 0.1087% | 4,700 |
| Pretax return on assets | 0.0753% | 4,716 |
| Return on Equity (ROE) | 0.3524% | 4,737 |
| Retained earnings to average equity (ytd only) | 0.3524% | 4,409 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4954% | 155 |
| Assets per employee ($millions) | 9.4392% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 3,914 |
| Loan loss allowance to noncurrent loans | 71.1250% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 1,335 |
| Noncurrent loans to loans | 1.3902% | 984 |
| Net loans and leases to total assets | 54.8728% | 3,401 |
| Net loans and leases to deposits | 81.4499% | 1,716 |
| Net loans and leases to core deposits | 99.2043% | 946 |
| Total domestic deposits to total assets | 67.3701% | 4,830 |
| Equity capital to assets | 31.2055% | 60 |
| Core capital (leverage) ratio | 29.3945% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,905,400 | 3,929 |
| Average earning assets | $94,364,600 | 3,967 |
| Average equity | $32,352,600 | 2,371 |
| Average total loans | $57,450,400 | 3,957 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9977% | 4,734 |
| Cost of funding earning assets | 1.3995% | 166 |
| Net interest margin | 1.5982% | 4,958 |
| Noninterest income to average assets | 0.1280% | 4,649 |
| Noninterest expense to average assets | 1.5846% | 4,740 |
| Loan and lease loss provision to assets | -0.1141% | 5,001 |
| Net operating income to assets | 0.1065% | 4,696 |
| Return on assets (ROA) | 0.1065% | 4,720 |
| Pretax return on assets | 0.0951% | 4,730 |
| Return on Equity (ROE) | 0.3463% | 4,765 |
| Retained earnings to average equity (ytd only) | 0.3463% | 4,419 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2146% | 161 |
| Assets per employee ($millions) | 9.6251% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 3,491 |
| Loan loss allowance to noncurrent loans | 76.1118% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7433% | 1,564 |
| Noncurrent loans to loans | 1.3739% | 1,059 |
| Net loans and leases to total assets | 53.5362% | 3,841 |
| Net loans and leases to deposits | 78.9157% | 2,435 |
| Net loans and leases to core deposits | 95.4676% | 1,506 |
| Total domestic deposits to total assets | 67.8397% | 4,815 |
| Equity capital to assets | 30.5735% | 59 |
| Core capital (leverage) ratio | 29.2726% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,174,000 | 3,929 |
| Average earning assets | $94,602,000 | 3,960 |
| Average equity | $32,340,500 | 2,355 |
| Average total loans | $57,427,000 | 3,976 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0722% | 4,801 |
| Cost of funding earning assets | 1.4322% | 202 |
| Net interest margin | 1.6401% | 5,002 |
| Noninterest income to average assets | 0.1429% | 4,593 |
| Noninterest expense to average assets | 1.5819% | 4,792 |
| Loan and lease loss provision to assets | -0.1144% | 5,032 |
| Net operating income to assets | 0.1525% | 4,630 |
| Return on assets (ROA) | 0.1525% | 4,665 |
| Pretax return on assets | 0.1487% | 4,683 |
| Return on Equity (ROE) | 0.4949% | 4,748 |
| Retained earnings to average equity (ytd only) | 0.4949% | 4,214 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8774% | 208 |
| Assets per employee ($millions) | 9.6271% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 3,023 |
| Loan loss allowance to noncurrent loans | 72.5490% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 1,514 |
| Noncurrent loans to loans | 1.5229% | 992 |
| Net loans and leases to total assets | 53.1663% | 3,944 |
| Net loans and leases to deposits | 78.2962% | 2,621 |
| Net loans and leases to core deposits | 93.8633% | 1,753 |
| Total domestic deposits to total assets | 67.9040% | 4,843 |
| Equity capital to assets | 30.5634% | 60 |
| Core capital (leverage) ratio | 29.5146% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,940,000 | 3,925 |
| Average earning assets | $94,263,333 | 3,966 |
| Average equity | $32,330,667 | 2,347 |
| Average total loans | $57,475,667 | 3,990 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2309% | 4,854 |
| Cost of funding earning assets | 1.4345% | 341 |
| Net interest margin | 1.7964% | 5,045 |
| Noninterest income to average assets | 0.1302% | 4,717 |
| Noninterest expense to average assets | 1.6580% | 4,814 |
| Loan and lease loss provision to assets | -0.1149% | 5,075 |
| Net operating income to assets | 0.2029% | 4,524 |
| Return on assets (ROA) | 0.2029% | 4,535 |
| Pretax return on assets | 0.2029% | 4,563 |
| Return on Equity (ROE) | 0.6561% | 4,672 |
| Retained earnings to average equity (ytd only) | 0.6561% | 3,828 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9561% | 348 |
| Assets per employee ($millions) | 9.5946% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 2,981 |
| Loan loss allowance to noncurrent loans | 57.9595% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 1,212 |
| Noncurrent loans to loans | 1.9692% | 732 |
| Net loans and leases to total assets | 54.0832% | 3,984 |
| Net loans and leases to deposits | 79.7563% | 2,705 |
| Net loans and leases to core deposits | 94.2147% | 1,953 |
| Total domestic deposits to total assets | 67.8106% | 4,931 |
| Equity capital to assets | 30.6421% | 65 |
| Core capital (leverage) ratio | 29.6946% | 71 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.8520% | 45 |
| Memoranda: | ||
| Average total assets | $104,461,000 | 3,924 |
| Average earning assets | $93,967,000 | 3,964 |
| Average equity | $32,313,000 | 2,340 |
| Average total loans | $57,748,000 | 3,994 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 4,566 |
| Cost of funding earning assets | 1.0946% | 1,350 |
| Net interest margin | 2.7041% | 4,837 |
| Noninterest income to average assets | 0.1606% | 4,690 |
| Noninterest expense to average assets | 1.8293% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6390% | 4,044 |
| Return on assets (ROA) | 0.6390% | 4,112 |
| Pretax return on assets | 0.7375% | 4,119 |
| Return on Equity (ROE) | 1.8649% | 4,811 |
| Retained earnings to average equity (ytd only) | 1.8649% | 4,059 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2677% | 1,980 |
| Assets per employee ($millions) | 9.3983% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,471 |
| Loan loss allowance to noncurrent loans | 73.7687% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.9035% | 1,410 |
| Noncurrent loans to loans | 1.6171% | 868 |
| Net loans and leases to total assets | 55.2016% | 3,981 |
| Net loans and leases to deposits | 82.0733% | 2,550 |
| Net loans and leases to core deposits | 96.8370% | 1,826 |
| Total domestic deposits to total assets | 67.2590% | 5,000 |
| Equity capital to assets | 31.2301% | 64 |
| Core capital (leverage) ratio | 31.3905% | 65 |
| Tier 1 risk-based capital ratio | 69.6674% | 66 |
| Total risk-based capital ratio | 70.9198% | 65 |
| Memoranda: | ||
| Average total assets | $93,423,000 | 4,089 |
| Average earning assets | $83,131,600 | 4,140 |
| Average equity | $32,012,800 | 2,299 |
| Average total loans | $58,151,800 | 4,012 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 4,520 |
| Cost of funding earning assets | 1.0181% | 1,689 |
| Net interest margin | 2.8940% | 4,764 |
| Noninterest income to average assets | 0.1686% | 4,710 |
| Noninterest expense to average assets | 1.8460% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7683% | 3,779 |
| Return on assets (ROA) | 0.7683% | 3,850 |
| Pretax return on assets | 0.8900% | 3,903 |
| Return on Equity (ROE) | 2.1871% | 4,877 |
| Retained earnings to average equity (ytd only) | 2.1871% | 4,210 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4705% | 2,508 |
| Assets per employee ($millions) | 8.6073% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 2,567 |
| Loan loss allowance to noncurrent loans | 68.5572% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.0615% | 1,244 |
| Noncurrent loans to loans | 1.7333% | 842 |
| Net loans and leases to total assets | 60.5112% | 3,631 |
| Net loans and leases to deposits | 94.3404% | 1,191 |
| Net loans and leases to core deposits | 108.8746% | 998 |
| Total domestic deposits to total assets | 64.1413% | 5,121 |
| Equity capital to assets | 34.0230% | 58 |
| Core capital (leverage) ratio | 33.4381% | 64 |
| Tier 1 risk-based capital ratio | 68.8679% | 73 |
| Total risk-based capital ratio | 70.1196% | 72 |
| Memoranda: | ||
| Average total assets | $90,933,500 | 4,181 |
| Average earning assets | $80,670,750 | 4,229 |
| Average equity | $31,944,500 | 2,318 |
| Average total loans | $58,250,500 | 4,060 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9128% | 4,530 |
| Cost of funding earning assets | 0.9587% | 1,870 |
| Net interest margin | 2.9541% | 4,753 |
| Noninterest income to average assets | 0.1539% | 4,807 |
| Noninterest expense to average assets | 1.8688% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7315% | 3,892 |
| Return on assets (ROA) | 0.7315% | 3,953 |
| Pretax return on assets | 0.9032% | 3,834 |
| Return on Equity (ROE) | 2.0593% | 4,928 |
| Retained earnings to average equity (ytd only) | 2.0593% | 4,091 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4175% | 2,623 |
| Assets per employee ($millions) | 8.2862% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 2,645 |
| Loan loss allowance to noncurrent loans | 56.8013% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.3308% | 942 |
| Noncurrent loans to loans | 2.0704% | 674 |
| Net loans and leases to total assets | 63.5209% | 3,396 |
| Net loans and leases to deposits | 101.0771% | 603 |
| Net loans and leases to core deposits | 115.7821% | 691 |
| Total domestic deposits to total assets | 62.8439% | 5,184 |
| Equity capital to assets | 35.1264% | 58 |
| Core capital (leverage) ratio | 34.0313% | 59 |
| Tier 1 risk-based capital ratio | 67.5411% | 76 |
| Total risk-based capital ratio | 68.7929% | 74 |
| Memoranda: | ||
| Average total assets | $89,684,670 | 4,228 |
| Average earning assets | $79,482,670 | 4,273 |
| Average equity | $31,855,000 | 2,311 |
| Average total loans | $58,340,330 | 4,083 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 4,516 |
| Cost of funding earning assets | 0.8937% | 2,038 |
| Net interest margin | 3.0264% | 4,711 |
| Noninterest income to average assets | 0.1529% | 4,826 |
| Noninterest expense to average assets | 1.8841% | 4,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7644% | 3,733 |
| Return on assets (ROA) | 0.7644% | 3,777 |
| Pretax return on assets | 0.9488% | 3,613 |
| Return on Equity (ROE) | 2.1401% | 4,950 |
| Retained earnings to average equity (ytd only) | 2.1401% | 4,032 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5079% | 2,868 |
| Assets per employee ($millions) | 8.1541% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,728 |
| Loan loss allowance to noncurrent loans | 55.2083% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.3914% | 907 |
| Noncurrent loans to loans | 2.1232% | 683 |
| Net loans and leases to total assets | 64.7639% | 3,198 |
| Net loans and leases to deposits | 103.6970% | 408 |
| Net loans and leases to core deposits | 117.1264% | 609 |
| Total domestic deposits to total assets | 62.4550% | 5,258 |
| Equity capital to assets | 35.5193% | 55 |
| Core capital (leverage) ratio | 33.9642% | 58 |
| Tier 1 risk-based capital ratio | 65.5589% | 75 |
| Total risk-based capital ratio | 66.8093% | 73 |
| Memoranda: | ||
| Average total assets | $88,953,000 | 4,278 |
| Average earning assets | $78,774,500 | 4,331 |
| Average equity | $31,774,000 | 2,312 |
| Average total loans | $58,217,000 | 4,129 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7739% | 4,549 |
| Cost of funding earning assets | 0.7675% | 1,699 |
| Net interest margin | 3.0064% | 4,792 |
| Noninterest income to average assets | 0.1597% | 4,921 |
| Noninterest expense to average assets | 2.3342% | 4,032 |
| Loan and lease loss provision to assets | 0.0214% | 3,735 |
| Net operating income to assets | 0.3159% | 4,987 |
| Return on assets (ROA) | 0.3159% | 4,979 |
| Pretax return on assets | 0.4689% | 4,843 |
| Return on Equity (ROE) | 0.8893% | 5,170 |
| Retained earnings to average equity (ytd only) | 0.8893% | 4,744 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6433% | 731 |
| Assets per employee ($millions) | 6.7855% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 2,596 |
| Loan loss allowance to noncurrent loans | 46.9986% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.6619% | 654 |
| Noncurrent loans to loans | 2.5427% | 473 |
| Net loans and leases to total assets | 64.5792% | 3,288 |
| Net loans and leases to deposits | 103.9431% | 480 |
| Net loans and leases to core deposits | 115.6576% | 697 |
| Total domestic deposits to total assets | 62.1294% | 5,302 |
| Equity capital to assets | 35.9241% | 57 |
| Core capital (leverage) ratio | 33.6157% | 58 |
| Tier 1 risk-based capital ratio | 66.9381% | 72 |
| Total risk-based capital ratio | 68.1896% | 72 |
| Memoranda: | ||
| Average total assets | $88,940,200 | 4,289 |
| Average earning assets | $78,831,600 | 4,332 |
| Average equity | $31,598,400 | 2,245 |
| Average total loans | $56,683,400 | 4,170 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 4,566 |
| Cost of funding earning assets | 0.7478% | 1,597 |
| Net interest margin | 2.9930% | 4,858 |
| Noninterest income to average assets | 0.1616% | 4,975 |
| Noninterest expense to average assets | 2.2979% | 4,107 |
| Loan and lease loss provision to assets | 0.0284% | 3,440 |
| Net operating income to assets | 0.2813% | 5,113 |
| Return on assets (ROA) | 0.2813% | 5,106 |
| Pretax return on assets | 0.4877% | 4,919 |
| Return on Equity (ROE) | 0.7938% | 5,251 |
| Retained earnings to average equity (ytd only) | 0.7938% | 4,901 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6587% | 803 |
| Assets per employee ($millions) | 6.8149% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 2,670 |
| Loan loss allowance to noncurrent loans | 50.1091% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.5520% | 816 |
| Noncurrent loans to loans | 2.3768% | 567 |
| Net loans and leases to total assets | 64.5213% | 3,361 |
| Net loans and leases to deposits | 103.7743% | 561 |
| Net loans and leases to core deposits | 115.9731% | 716 |
| Total domestic deposits to total assets | 62.1746% | 5,371 |
| Equity capital to assets | 35.6649% | 53 |
| Core capital (leverage) ratio | 33.4109% | 60 |
| Tier 1 risk-based capital ratio | 66.8771% | 70 |
| Total risk-based capital ratio | 68.1290% | 69 |
| Memoranda: | ||
| Average total assets | $89,122,500 | 4,324 |
| Average earning assets | $78,983,500 | 4,377 |
| Average equity | $31,575,750 | 2,246 |
| Average total loans | $56,440,500 | 4,221 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6894% | 4,608 |
| Cost of funding earning assets | 0.7273% | 1,486 |
| Net interest margin | 2.9621% | 4,928 |
| Noninterest income to average assets | 0.1613% | 5,017 |
| Noninterest expense to average assets | 2.2173% | 4,329 |
| Loan and lease loss provision to assets | 0.0336% | 3,247 |
| Net operating income to assets | 0.4345% | 4,888 |
| Return on assets (ROA) | 0.4345% | 4,897 |
| Pretax return on assets | 0.5375% | 4,838 |
| Return on Equity (ROE) | 1.2291% | 5,251 |
| Retained earnings to average equity (ytd only) | 1.2291% | 4,709 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5181% | 1,067 |
| Assets per employee ($millions) | 6.8532% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,732 |
| Loan loss allowance to noncurrent loans | 42.3101% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.8172% | 636 |
| Noncurrent loans to loans | 2.8321% | 419 |
| Net loans and leases to total assets | 63.3963% | 3,464 |
| Net loans and leases to deposits | 101.4276% | 703 |
| Net loans and leases to core deposits | 113.0457% | 834 |
| Total domestic deposits to total assets | 62.5039% | 5,426 |
| Equity capital to assets | 35.5408% | 57 |
| Core capital (leverage) ratio | 33.3494% | 63 |
| Tier 1 risk-based capital ratio | 66.2056% | 76 |
| Total risk-based capital ratio | 67.4571% | 75 |
| Memoranda: | ||
| Average total assets | $89,298,670 | 4,358 |
| Average earning assets | $79,199,670 | 4,415 |
| Average equity | $31,568,670 | 2,248 |
| Average total loans | $55,970,330 | 4,258 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6375% | 4,624 |
| Cost of funding earning assets | 0.7003% | 1,442 |
| Net interest margin | 2.9372% | 4,975 |
| Noninterest income to average assets | 0.1611% | 5,057 |
| Noninterest expense to average assets | 2.1073% | 4,641 |
| Loan and lease loss provision to assets | 0.0671% | 2,425 |
| Net operating income to assets | 0.4608% | 4,789 |
| Return on assets (ROA) | 0.4608% | 4,793 |
| Pretax return on assets | 0.5951% | 4,697 |
| Return on Equity (ROE) | 1.3071% | 5,280 |
| Retained earnings to average equity (ytd only) | 1.3071% | 4,542 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0905% | 1,583 |
| Assets per employee ($millions) | 6.8475% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,643 |
| Loan loss allowance to noncurrent loans | 23.8759% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 3.2230% | 233 |
| Noncurrent loans to loans | 5.1452% | 140 |
| Net loans and leases to total assets | 61.8713% | 3,568 |
| Net loans and leases to deposits | 98.9028% | 791 |
| Net loans and leases to core deposits | 110.0926% | 1,004 |
| Total domestic deposits to total assets | 62.5577% | 5,503 |
| Equity capital to assets | 35.4674% | 57 |
| Core capital (leverage) ratio | 33.6770% | 58 |
| Tier 1 risk-based capital ratio | 66.4919% | 71 |
| Total risk-based capital ratio | 67.7440% | 70 |
| Memoranda: | ||
| Average total assets | $89,402,000 | 4,408 |
| Average earning assets | $79,395,500 | 4,456 |
| Average equity | $31,521,000 | 2,271 |
| Average total loans | $55,372,500 | 4,318 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4733% | 4,823 |
| Cost of funding earning assets | 0.5479% | 1,969 |
| Net interest margin | 2.9254% | 5,009 |
| Noninterest income to average assets | 0.2017% | 4,936 |
| Noninterest expense to average assets | 2.4892% | 3,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2705% | 4,983 |
| Return on assets (ROA) | 0.2705% | 4,999 |
| Pretax return on assets | 0.3071% | 5,203 |
| Return on Equity (ROE) | 0.7527% | 5,277 |
| Retained earnings to average equity (ytd only) | 0.7527% | 4,740 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0164% | 475 |
| Assets per employee ($millions) | 5.6117% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 2,664 |
| Loan loss allowance to noncurrent loans | 22.5589% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 3.3078% | 215 |
| Noncurrent loans to loans | 5.4016% | 116 |
| Net loans and leases to total assets | 60.4921% | 3,784 |
| Net loans and leases to deposits | 95.9476% | 1,096 |
| Net loans and leases to core deposits | 107.6548% | 1,162 |
| Total domestic deposits to total assets | 63.0470% | 5,561 |
| Equity capital to assets | 35.0496% | 56 |
| Core capital (leverage) ratio | 34.9079% | 53 |
| Tier 1 risk-based capital ratio | 67.1576% | 66 |
| Total risk-based capital ratio | 68.4112% | 64 |
| Memoranda: | ||
| Average total assets | $87,256,800 | 4,470 |
| Average earning assets | $77,391,400 | 4,511 |
| Average equity | $31,354,000 | 2,267 |
| Average total loans | $52,284,600 | 4,405 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4642% | 4,875 |
| Cost of funding earning assets | 0.5075% | 2,204 |
| Net interest margin | 2.9567% | 5,009 |
| Noninterest income to average assets | 0.1924% | 5,053 |
| Noninterest expense to average assets | 2.4457% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2832% | 5,249 |
| Return on assets (ROA) | 0.2832% | 5,267 |
| Pretax return on assets | 0.3648% | 5,236 |
| Return on Equity (ROE) | 0.7832% | 5,455 |
| Retained earnings to average equity (ytd only) | 0.7832% | 5,041 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0208% | 569 |
| Assets per employee ($millions) | 5.4761% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,576 |
| Loan loss allowance to noncurrent loans | 39.3192% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.9448% | 681 |
| Noncurrent loans to loans | 3.2061% | 368 |
| Net loans and leases to total assets | 59.8948% | 3,876 |
| Net loans and leases to deposits | 96.7301% | 1,038 |
| Net loans and leases to core deposits | 106.7255% | 1,221 |
| Total domestic deposits to total assets | 61.9195% | 5,638 |
| Equity capital to assets | 35.8572% | 52 |
| Core capital (leverage) ratio | 35.6806% | 52 |
| Tier 1 risk-based capital ratio | 71.6624% | 60 |
| Total risk-based capital ratio | 72.9188% | 60 |
| Memoranda: | ||
| Average total assets | $86,624,250 | 4,521 |
| Average earning assets | $76,706,250 | 4,572 |
| Average equity | $31,325,000 | 2,278 |
| Average total loans | $51,609,750 | 4,453 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4322% | 4,909 |
| Cost of funding earning assets | 0.4787% | 2,336 |
| Net interest margin | 2.9535% | 4,999 |
| Noninterest income to average assets | 0.1877% | 5,109 |
| Noninterest expense to average assets | 2.4220% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2943% | 5,238 |
| Return on assets (ROA) | 0.2943% | 5,253 |
| Pretax return on assets | 0.3824% | 5,204 |
| Return on Equity (ROE) | 0.8116% | 5,494 |
| Retained earnings to average equity (ytd only) | 0.8116% | 4,889 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3636% | 664 |
| Assets per employee ($millions) | 6.6443% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,554 |
| Loan loss allowance to noncurrent loans | 28.1276% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 2.7577% | 358 |
| Noncurrent loans to loans | 4.5271% | 180 |
| Net loans and leases to total assets | 60.1394% | 3,832 |
| Net loans and leases to deposits | 97.6924% | 921 |
| Net loans and leases to core deposits | 106.8782% | 1,168 |
| Total domestic deposits to total assets | 61.5599% | 5,689 |
| Equity capital to assets | 36.3064% | 48 |
| Core capital (leverage) ratio | 35.8807% | 51 |
| Tier 1 risk-based capital ratio | 71.4077% | 60 |
| Total risk-based capital ratio | 72.6621% | 60 |
| Memoranda: | ||
| Average total assets | $86,293,330 | 4,555 |
| Average earning assets | $76,452,670 | 4,603 |
| Average equity | $31,294,330 | 2,268 |
| Average total loans | $51,097,000 | 4,496 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3833% | 4,965 |
| Cost of funding earning assets | 0.4616% | 2,416 |
| Net interest margin | 2.9217% | 5,045 |
| Noninterest income to average assets | 0.1762% | 5,219 |
| Noninterest expense to average assets | 2.4208% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2690% | 5,267 |
| Return on assets (ROA) | 0.2690% | 5,283 |
| Pretax return on assets | 0.3385% | 5,252 |
| Return on Equity (ROE) | 0.7421% | 5,534 |
| Retained earnings to average equity (ytd only) | 0.7421% | 4,735 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7311% | 678 |
| Assets per employee ($millions) | 6.6668% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 2,471 |
| Loan loss allowance to noncurrent loans | 27.9516% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 2.7657% | 386 |
| Noncurrent loans to loans | 4.7001% | 181 |
| Net loans and leases to total assets | 58.0704% | 3,968 |
| Net loans and leases to deposits | 93.9938% | 1,105 |
| Net loans and leases to core deposits | 102.2573% | 1,353 |
| Total domestic deposits to total assets | 61.7810% | 5,760 |
| Equity capital to assets | 36.1029% | 53 |
| Core capital (leverage) ratio | 35.9163% | 55 |
| Tier 1 risk-based capital ratio | 72.3270% | 62 |
| Total risk-based capital ratio | 73.5839% | 62 |
| Memoranda: | ||
| Average total assets | $86,252,000 | 4,597 |
| Average earning assets | $76,256,500 | 4,648 |
| Average equity | $31,261,500 | 2,275 |
| Average total loans | $50,337,500 | 4,552 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3895% | 5,004 |
| Cost of funding earning assets | 0.4052% | 2,951 |
| Net interest margin | 2.9843% | 4,995 |
| Noninterest income to average assets | 0.2469% | 4,945 |
| Noninterest expense to average assets | 2.3191% | 4,513 |
| Loan and lease loss provision to assets | 0.0519% | 3,349 |
| Net operating income to assets | 0.3646% | 5,044 |
| Return on assets (ROA) | 0.3646% | 5,128 |
| Pretax return on assets | 0.5273% | 4,973 |
| Return on Equity (ROE) | 1.0165% | 5,566 |
| Retained earnings to average equity (ytd only) | 1.0165% | 4,918 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0159% | 1,418 |
| Assets per employee ($millions) | 6.6027% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 2,308 |
| Loan loss allowance to noncurrent loans | 30.7339% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 2.5398% | 469 |
| Noncurrent loans to loans | 4.3884% | 216 |
| Net loans and leases to total assets | 57.0933% | 4,153 |
| Net loans and leases to deposits | 92.6284% | 1,353 |
| Net loans and leases to core deposits | 100.4571% | 1,584 |
| Total domestic deposits to total assets | 61.6369% | 5,810 |
| Equity capital to assets | 36.3873% | 52 |
| Core capital (leverage) ratio | 35.9723% | 51 |
| Tier 1 risk-based capital ratio | 74.6883% | 56 |
| Total risk-based capital ratio | 75.9473% | 54 |
| Memoranda: | ||
| Average total assets | $86,670,800 | 4,609 |
| Average earning assets | $77,002,200 | 4,650 |
| Average equity | $31,085,600 | 2,285 |
| Average total loans | $50,103,600 | 4,571 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3870% | 5,053 |
| Cost of funding earning assets | 0.3936% | 3,084 |
| Net interest margin | 2.9934% | 5,025 |
| Noninterest income to average assets | 0.2471% | 4,992 |
| Noninterest expense to average assets | 2.3143% | 4,497 |
| Loan and lease loss provision to assets | 0.0384% | 3,472 |
| Net operating income to assets | 0.3898% | 5,052 |
| Return on assets (ROA) | 0.3898% | 5,143 |
| Pretax return on assets | 0.5555% | 4,987 |
| Return on Equity (ROE) | 1.0907% | 5,635 |
| Retained earnings to average equity (ytd only) | 1.0907% | 5,059 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5778% | 1,487 |
| Assets per employee ($millions) | 6.6267% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,831 |
| Loan loss allowance to noncurrent loans | 29.2925% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 2.5758% | 521 |
| Noncurrent loans to loans | 4.3426% | 230 |
| Net loans and leases to total assets | 58.5615% | 4,042 |
| Net loans and leases to deposits | 94.9539% | 1,153 |
| Net loans and leases to core deposits | 102.8207% | 1,429 |
| Total domestic deposits to total assets | 61.6737% | 5,876 |
| Equity capital to assets | 36.1812% | 52 |
| Core capital (leverage) ratio | 35.6943% | 51 |
| Tier 1 risk-based capital ratio | 72.4136% | 61 |
| Total risk-based capital ratio | 73.6723% | 62 |
| Memoranda: | ||
| Average total assets | $86,879,750 | 4,637 |
| Average earning assets | $77,234,000 | 4,680 |
| Average equity | $31,048,750 | 2,303 |
| Average total loans | $50,210,500 | 4,604 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3908% | 5,099 |
| Cost of funding earning assets | 0.3793% | 3,254 |
| Net interest margin | 3.0115% | 5,057 |
| Noninterest income to average assets | 0.2778% | 4,794 |
| Noninterest expense to average assets | 2.3002% | 4,615 |
| Loan and lease loss provision to assets | 0.0574% | 2,992 |
| Net operating income to assets | 0.4109% | 5,002 |
| Return on assets (ROA) | 0.4109% | 5,086 |
| Pretax return on assets | 0.5991% | 4,886 |
| Return on Equity (ROE) | 1.1545% | 5,663 |
| Retained earnings to average equity (ytd only) | 1.1545% | 4,918 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7950% | 1,822 |
| Assets per employee ($millions) | 7.2457% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,910 |
| Loan loss allowance to noncurrent loans | 30.6893% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 2.4359% | 585 |
| Noncurrent loans to loans | 4.1625% | 270 |
| Net loans and leases to total assets | 57.7736% | 4,138 |
| Net loans and leases to deposits | 92.8727% | 1,410 |
| Net loans and leases to core deposits | 99.5995% | 1,666 |
| Total domestic deposits to total assets | 62.2073% | 5,954 |
| Equity capital to assets | 35.7628% | 54 |
| Core capital (leverage) ratio | 35.5214% | 53 |
| Tier 1 risk-based capital ratio | 72.6282% | 64 |
| Total risk-based capital ratio | 73.8865% | 64 |
| Memoranda: | ||
| Average total assets | $87,124,000 | 4,671 |
| Average earning assets | $77,503,670 | 4,713 |
| Average equity | $31,008,670 | 2,305 |
| Average total loans | $49,914,330 | 4,649 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4251% | 5,066 |
| Cost of funding earning assets | 0.3657% | 3,446 |
| Net interest margin | 3.0594% | 4,974 |
| Noninterest income to average assets | 0.3761% | 4,024 |
| Noninterest expense to average assets | 2.2887% | 4,693 |
| Loan and lease loss provision to assets | 0.1147% | 1,827 |
| Net operating income to assets | 0.4541% | 4,815 |
| Return on assets (ROA) | 0.4541% | 4,899 |
| Pretax return on assets | 0.6972% | 4,539 |
| Return on Equity (ROE) | 1.2788% | 5,650 |
| Retained earnings to average equity (ytd only) | 1.2788% | 4,745 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8166% | 2,511 |
| Assets per employee ($millions) | 7.8922% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 2,811 |
| Loan loss allowance to noncurrent loans | 26.2839% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 2.8486% | 466 |
| Noncurrent loans to loans | 5.0154% | 193 |
| Net loans and leases to total assets | 56.0486% | 4,251 |
| Net loans and leases to deposits | 90.0924% | 1,570 |
| Net loans and leases to core deposits | 96.6146% | 1,736 |
| Total domestic deposits to total assets | 62.2123% | 6,021 |
| Equity capital to assets | 35.7258% | 53 |
| Core capital (leverage) ratio | 35.3632% | 53 |
| Tier 1 risk-based capital ratio | 73.6127% | 62 |
| Total risk-based capital ratio | 74.8721% | 61 |
| Memoranda: | ||
| Average total assets | $87,212,000 | 4,703 |
| Average earning assets | $77,661,500 | 4,755 |
| Average equity | $30,965,500 | 2,305 |
| Average total loans | $49,430,000 | 4,694 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3329% | 5,288 |
| Cost of funding earning assets | 0.3373% | 3,820 |
| Net interest margin | 2.9955% | 5,149 |
| Noninterest income to average assets | 0.5224% | 3,180 |
| Noninterest expense to average assets | 2.2841% | 4,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7553% | 3,546 |
| Return on assets (ROA) | 0.7553% | 3,641 |
| Pretax return on assets | 0.9091% | 3,800 |
| Return on Equity (ROE) | 2.1866% | 5,527 |
| Retained earnings to average equity (ytd only) | 2.1866% | 4,476 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5297% | 2,974 |
| Assets per employee ($millions) | 7.9645% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 3,102 |
| Loan loss allowance to noncurrent loans | 45.0613% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 1.5832% | 1,253 |
| Noncurrent loans to loans | 2.7991% | 610 |
| Net loans and leases to total assets | 55.8464% | 4,306 |
| Net loans and leases to deposits | 88.8790% | 1,764 |
| Net loans and leases to core deposits | 94.8841% | 1,959 |
| Total domestic deposits to total assets | 62.8342% | 6,064 |
| Equity capital to assets | 35.2882% | 53 |
| Core capital (leverage) ratio | 34.6971% | 53 |
| Tier 1 risk-based capital ratio | 73.4040% | 62 |
| Total risk-based capital ratio | 74.6639% | 60 |
| Memoranda: | ||
| Average total assets | $88,436,000 | 4,703 |
| Average earning assets | $78,850,400 | 4,744 |
| Average equity | $30,549,600 | 2,281 |
| Average total loans | $49,053,600 | 4,697 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3100% | 5,389 |
| Cost of funding earning assets | 0.3305% | 3,984 |
| Net interest margin | 2.9795% | 5,247 |
| Noninterest income to average assets | 0.6002% | 2,735 |
| Noninterest expense to average assets | 2.2171% | 5,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8799% | 3,042 |
| Return on assets (ROA) | 0.8799% | 3,128 |
| Pretax return on assets | 1.0409% | 3,454 |
| Return on Equity (ROE) | 2.5608% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.5608% | 4,597 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0517% | 3,528 |
| Assets per employee ($millions) | 8.0505% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 3,256 |
| Loan loss allowance to noncurrent loans | 44.4840% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 1.5866% | 1,407 |
| Noncurrent loans to loans | 2.8555% | 642 |
| Net loans and leases to total assets | 54.8574% | 4,478 |
| Net loans and leases to deposits | 86.9158% | 2,039 |
| Net loans and leases to core deposits | 92.3678% | 2,227 |
| Total domestic deposits to total assets | 63.1156% | 6,146 |
| Equity capital to assets | 34.8179% | 56 |
| Core capital (leverage) ratio | 34.5421% | 53 |
| Tier 1 risk-based capital ratio | 73.8489% | 65 |
| Total risk-based capital ratio | 75.1102% | 64 |
| Memoranda: | ||
| Average total assets | $88,642,500 | 4,758 |
| Average earning assets | $79,070,500 | 4,798 |
| Average equity | $30,458,000 | 2,305 |
| Average total loans | $48,929,000 | 4,756 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2981% | 5,441 |
| Cost of funding earning assets | 0.3235% | 4,108 |
| Net interest margin | 2.9746% | 5,278 |
| Noninterest income to average assets | 0.0744% | 6,103 |
| Noninterest expense to average assets | 2.2217% | 5,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3722% | 5,230 |
| Return on assets (ROA) | 0.3722% | 5,345 |
| Pretax return on assets | 0.5075% | 5,205 |
| Return on Equity (ROE) | 1.0879% | 5,888 |
| Retained earnings to average equity (ytd only) | 1.0879% | 5,139 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4050% | 1,573 |
| Assets per employee ($millions) | 8.0254% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 3,262 |
| Loan loss allowance to noncurrent loans | 38.0402% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 1.9121% | 1,182 |
| Noncurrent loans to loans | 3.4076% | 528 |
| Net loans and leases to total assets | 53.9098% | 4,568 |
| Net loans and leases to deposits | 84.7388% | 2,216 |
| Net loans and leases to core deposits | 90.0492% | 2,342 |
| Total domestic deposits to total assets | 63.6188% | 6,209 |
| Equity capital to assets | 34.4499% | 57 |
| Core capital (leverage) ratio | 34.0506% | 56 |
| Tier 1 risk-based capital ratio | 74.8673% | 63 |
| Total risk-based capital ratio | 76.1290% | 63 |
| Memoranda: | ||
| Average total assets | $88,671,670 | 4,800 |
| Average earning assets | $79,136,330 | 4,846 |
| Average equity | $30,333,000 | 2,317 |
| Average total loans | $48,837,330 | 4,792 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2910% | 5,471 |
| Cost of funding earning assets | 0.3170% | 4,255 |
| Net interest margin | 2.9739% | 5,285 |
| Noninterest income to average assets | 0.1575% | 5,797 |
| Noninterest expense to average assets | 2.2370% | 5,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4096% | 5,037 |
| Return on assets (ROA) | 0.4096% | 5,147 |
| Pretax return on assets | 0.5806% | 4,970 |
| Return on Equity (ROE) | 1.2016% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.2016% | 5,005 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3930% | 1,971 |
| Assets per employee ($millions) | 8.0605% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 3,527 |
| Loan loss allowance to noncurrent loans | 31.3440% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 2.3053% | 969 |
| Noncurrent loans to loans | 4.0791% | 422 |
| Net loans and leases to total assets | 54.4267% | 4,384 |
| Net loans and leases to deposits | 85.3308% | 1,917 |
| Net loans and leases to core deposits | 90.6577% | 2,068 |
| Total domestic deposits to total assets | 63.7832% | 6,281 |
| Equity capital to assets | 34.2172% | 60 |
| Core capital (leverage) ratio | 34.0566% | 58 |
| Tier 1 risk-based capital ratio | 66.4293% | 87 |
| Total risk-based capital ratio | 67.6792% | 88 |
| Memoranda: | ||
| Average total assets | $88,868,000 | 4,839 |
| Average earning assets | $79,490,500 | 4,879 |
| Average equity | $30,293,500 | 2,331 |
| Average total loans | $49,148,000 | 4,810 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1895% | 5,846 |
| Cost of funding earning assets | 0.3481% | 4,274 |
| Net interest margin | 2.8414% | 5,745 |
| Noninterest income to average assets | 0.0131% | 6,369 |
| Noninterest expense to average assets | 2.6667% | 3,989 |
| Loan and lease loss provision to assets | 0.0109% | 4,407 |
| Net operating income to assets | -0.1357% | 6,177 |
| Return on assets (ROA) | -0.1357% | 6,179 |
| Pretax return on assets | -0.1182% | 6,146 |
| Return on Equity (ROE) | -0.4075% | 6,128 |
| Retained earnings to average equity (ytd only) | -0.4075% | 5,836 |
| Net charge-offs to loans | 0.0756% | 3,408 |
| Credit loss provision to net charge-offs | 28.5714% | 3,855 |
| Earnings coverage of net charge-offs (x) | -2.8000% | 4,851 |
| Efficiency ratio | 104.1916% | 288 |
| Assets per employee ($millions) | 8.0973% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 3,627 |
| Loan loss allowance to noncurrent loans | 46.4684% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 1.5797% | 1,714 |
| Noncurrent loans to loans | 2.7220% | 894 |
| Net loans and leases to total assets | 54.7749% | 4,481 |
| Net loans and leases to deposits | 85.5210% | 2,038 |
| Net loans and leases to core deposits | 90.8664% | 2,196 |
| Total domestic deposits to total assets | 64.0485% | 6,357 |
| Equity capital to assets | 33.9598% | 59 |
| Core capital (leverage) ratio | 33.9598% | 59 |
| Tier 1 risk-based capital ratio | 74.8991% | 63 |
| Total risk-based capital ratio | 76.1520% | 62 |
| Memoranda: | ||
| Average total assets | $91,347,400 | 4,801 |
| Average earning assets | $81,862,000 | 4,859 |
| Average equity | $30,431,800 | 2,246 |
| Average total loans | $46,269,800 | 4,942 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1118% | 6,015 |
| Cost of funding earning assets | 0.3547% | 4,291 |
| Net interest margin | 2.7570% | 5,923 |
| Noninterest income to average assets | 0.1407% | 6,073 |
| Noninterest expense to average assets | 2.1555% | 5,449 |
| Loan and lease loss provision to assets | 0.0145% | 4,122 |
| Net operating income to assets | 0.3249% | 5,515 |
| Return on assets (ROA) | 0.3249% | 5,581 |
| Pretax return on assets | 0.4395% | 5,498 |
| Return on Equity (ROE) | 0.9799% | 6,031 |
| Retained earnings to average equity (ytd only) | 0.9799% | 5,492 |
| Net charge-offs to loans | 0.0821% | 3,023 |
| Credit loss provision to net charge-offs | 35.7143% | 3,358 |
| Earnings coverage of net charge-offs (x) | 11.1792% | 2,456 |
| Efficiency ratio | 82.6014% | 1,537 |
| Assets per employee ($millions) | 8.2495% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 3,538 |
| Loan loss allowance to noncurrent loans | 39.5247% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 2.6062% | 989 |
| Noncurrent loans to loans | 3.3449% | 740 |
| Net loans and leases to total assets | 51.9830% | 4,810 |
| Net loans and leases to deposits | 81.1296% | 2,529 |
| Net loans and leases to core deposits | 86.1353% | 2,652 |
| Total domestic deposits to total assets | 64.0741% | 6,434 |
| Equity capital to assets | 33.7165% | 58 |
| Core capital (leverage) ratio | 33.7165% | 58 |
| Tier 1 risk-based capital ratio | 75.4525% | 62 |
| Total risk-based capital ratio | 76.7053% | 62 |
| Memoranda: | ||
| Average total assets | $91,916,750 | 4,846 |
| Average earning assets | $82,309,250 | 4,897 |
| Average equity | $30,477,750 | 2,257 |
| Average total loans | $45,484,000 | 5,027 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0585% | 6,119 |
| Cost of funding earning assets | 0.3630% | 4,285 |
| Net interest margin | 2.6956% | 6,056 |
| Noninterest income to average assets | 0.1495% | 6,062 |
| Noninterest expense to average assets | 2.1927% | 5,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2925% | 5,589 |
| Return on assets (ROA) | 0.2925% | 5,658 |
| Pretax return on assets | 0.3705% | 5,637 |
| Return on Equity (ROE) | 0.8870% | 6,076 |
| Retained earnings to average equity (ytd only) | 0.8870% | 5,394 |
| Net charge-offs to loans | 0.1208% | 2,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,785 |
| Efficiency ratio | 85.5452% | 1,316 |
| Assets per employee ($millions) | 7.5858% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 3,651 |
| Loan loss allowance to noncurrent loans | 39.3671% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 2.6925% | 991 |
| Noncurrent loans to loans | 3.3997% | 801 |
| Net loans and leases to total assets | 50.3719% | 4,919 |
| Net loans and leases to deposits | 78.1567% | 2,784 |
| Net loans and leases to core deposits | 82.4620% | 2,916 |
| Total domestic deposits to total assets | 64.4498% | 6,506 |
| Equity capital to assets | 33.5124% | 56 |
| Core capital (leverage) ratio | 33.5124% | 54 |
| Tier 1 risk-based capital ratio | 76.1090% | 60 |
| Total risk-based capital ratio | 77.3639% | 59 |
| Memoranda: | ||
| Average total assets | $92,307,330 | 4,864 |
| Average earning assets | $82,653,670 | 4,915 |
| Average equity | $30,438,330 | 2,251 |
| Average total loans | $44,710,670 | 5,093 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9922% | 6,249 |
| Cost of funding earning assets | 0.3746% | 4,258 |
| Net interest margin | 2.6176% | 6,214 |
| Noninterest income to average assets | 0.1678% | 5,971 |
| Noninterest expense to average assets | 2.1733% | 5,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2840% | 5,556 |
| Return on assets (ROA) | 0.2840% | 5,598 |
| Pretax return on assets | 0.3400% | 5,623 |
| Return on Equity (ROE) | 0.8683% | 6,063 |
| Retained earnings to average equity (ytd only) | 0.8683% | 5,244 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4726% | 1,396 |
| Assets per employee ($millions) | 7.0951% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 3,323 |
| Loan loss allowance to noncurrent loans | 32.2741% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 3.0194% | 947 |
| Noncurrent loans to loans | 4.5292% | 524 |
| Net loans and leases to total assets | 47.5053% | 5,186 |
| Net loans and leases to deposits | 73.1441% | 3,182 |
| Net loans and leases to core deposits | 76.7413% | 3,335 |
| Total domestic deposits to total assets | 64.9475% | 6,572 |
| Equity capital to assets | 33.0001% | 61 |
| Core capital (leverage) ratio | 33.0001% | 59 |
| Tier 1 risk-based capital ratio | 79.3938% | 65 |
| Total risk-based capital ratio | 80.6484% | 64 |
| Memoranda: | ||
| Average total assets | $92,946,500 | 4,897 |
| Average earning assets | $83,282,500 | 4,937 |
| Average equity | $30,404,500 | 2,249 |
| Average total loans | $43,828,500 | 5,174 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0287% | 6,317 |
| Cost of funding earning assets | 0.5182% | 3,414 |
| Net interest margin | 2.5104% | 6,366 |
| Noninterest income to average assets | 0.1590% | 6,137 |
| Noninterest expense to average assets | 1.9182% | 6,164 |
| Loan and lease loss provision to assets | -0.0042% | 6,256 |
| Net operating income to assets | 0.3803% | 5,218 |
| Return on assets (ROA) | 0.3803% | 5,336 |
| Pretax return on assets | 0.5050% | 5,193 |
| Return on Equity (ROE) | 1.2122% | 6,044 |
| Retained earnings to average equity (ytd only) | 1.2122% | 5,285 |
| Net charge-offs to loans | 0.0388% | 4,688 |
| Credit loss provision to net charge-offs | -23.5294% | 5,725 |
| Earnings coverage of net charge-offs (x) | 28.3529% | 1,240 |
| Efficiency ratio | 79.2955% | 2,270 |
| Assets per employee ($millions) | 9.3657% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 3,155 |
| Loan loss allowance to noncurrent loans | 38.7135% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 2.6159% | 1,294 |
| Noncurrent loans to loans | 3.8875% | 758 |
| Net loans and leases to total assets | 45.4211% | 5,539 |
| Net loans and leases to deposits | 69.1572% | 3,891 |
| Net loans and leases to core deposits | 73.1569% | 3,928 |
| Total domestic deposits to total assets | 65.6780% | 6,637 |
| Equity capital to assets | 32.4279% | 61 |
| Core capital (leverage) ratio | 32.4279% | 60 |
| Tier 1 risk-based capital ratio | 81.7678% | 61 |
| Total risk-based capital ratio | 83.0251% | 61 |
| Memoranda: | ||
| Average total assets | $96,238,400 | 4,833 |
| Average earning assets | $86,638,400 | 4,864 |
| Average equity | $30,194,000 | 2,241 |
| Average total loans | $43,867,800 | 5,195 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0161% | 6,408 |
| Cost of funding earning assets | 0.5455% | 3,312 |
| Net interest margin | 2.4707% | 6,453 |
| Noninterest income to average assets | 0.1541% | 6,266 |
| Noninterest expense to average assets | 1.8991% | 6,186 |
| Loan and lease loss provision to assets | -0.0124% | 6,470 |
| Net operating income to assets | 0.3785% | 5,338 |
| Return on assets (ROA) | 0.3785% | 5,478 |
| Pretax return on assets | 0.4927% | 5,376 |
| Return on Equity (ROE) | 1.2161% | 6,140 |
| Retained earnings to average equity (ytd only) | 1.2161% | 5,495 |
| Net charge-offs to loans | 0.0515% | 4,167 |
| Credit loss provision to net charge-offs | -52.9412% | 5,717 |
| Earnings coverage of net charge-offs (x) | 20.5258% | 1,586 |
| Efficiency ratio | 79.8149% | 2,128 |
| Assets per employee ($millions) | 9.5289% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 3,447 |
| Loan loss allowance to noncurrent loans | 44.1781% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 2.3413% | 1,682 |
| Noncurrent loans to loans | 3.3983% | 1,141 |
| Net loans and leases to total assets | 44.4102% | 5,694 |
| Net loans and leases to deposits | 67.1682% | 4,157 |
| Net loans and leases to core deposits | 70.9474% | 4,216 |
| Total domestic deposits to total assets | 66.1178% | 6,704 |
| Equity capital to assets | 31.7781% | 58 |
| Core capital (leverage) ratio | 31.7781% | 58 |
| Tier 1 risk-based capital ratio | 82.5613% | 55 |
| Total risk-based capital ratio | 83.8182% | 55 |
| Memoranda: | ||
| Average total assets | $96,883,750 | 4,857 |
| Average earning assets | $87,262,250 | 4,892 |
| Average equity | $30,149,750 | 2,261 |
| Average total loans | $44,037,250 | 5,241 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9886% | 6,459 |
| Cost of funding earning assets | 0.5745% | 3,174 |
| Net interest margin | 2.4141% | 6,543 |
| Noninterest income to average assets | 0.1909% | 6,066 |
| Noninterest expense to average assets | 1.8395% | 6,309 |
| Loan and lease loss provision to assets | -0.0082% | 6,576 |
| Net operating income to assets | 0.3962% | 5,232 |
| Return on assets (ROA) | 0.3962% | 5,395 |
| Pretax return on assets | 0.5338% | 5,258 |
| Return on Equity (ROE) | 1.2821% | 6,149 |
| Retained earnings to average equity (ytd only) | 1.2821% | 5,384 |
| Net charge-offs to loans | 0.0766% | 3,618 |
| Credit loss provision to net charge-offs | -23.5294% | 5,482 |
| Earnings coverage of net charge-offs (x) | 15.0588% | 1,774 |
| Efficiency ratio | 77.7778% | 2,495 |
| Assets per employee ($millions) | 9.6399% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 3,663 |
| Loan loss allowance to noncurrent loans | 32.5000% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 2.9077% | 1,404 |
| Noncurrent loans to loans | 4.5595% | 760 |
| Net loans and leases to total assets | 44.8283% | 5,659 |
| Net loans and leases to deposits | 67.1254% | 4,129 |
| Net loans and leases to core deposits | 71.1154% | 4,157 |
| Total domestic deposits to total assets | 66.7829% | 6,745 |
| Equity capital to assets | 31.3271% | 59 |
| Core capital (leverage) ratio | 31.3271% | 56 |
| Tier 1 risk-based capital ratio | 81.6697% | 54 |
| Total risk-based capital ratio | 82.9272% | 54 |
| Memoranda: | ||
| Average total assets | $97,415,330 | 4,871 |
| Average earning assets | $87,733,670 | 4,909 |
| Average equity | $30,106,000 | 2,265 |
| Average total loans | $44,395,330 | 5,249 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1739% | 6,325 |
| Cost of funding earning assets | 0.6039% | 3,076 |
| Net interest margin | 2.5700% | 6,414 |
| Noninterest income to average assets | 0.1307% | 6,441 |
| Noninterest expense to average assets | 1.8994% | 6,276 |
| Loan and lease loss provision to assets | -0.0408% | 6,779 |
| Net operating income to assets | 0.4452% | 4,931 |
| Return on assets (ROA) | 0.4452% | 5,093 |
| Pretax return on assets | 0.5841% | 5,011 |
| Return on Equity (ROE) | 1.4505% | 6,105 |
| Retained earnings to average equity (ytd only) | 1.4505% | 5,262 |
| Net charge-offs to loans | 0.1523% | 2,487 |
| Credit loss provision to net charge-offs | -58.8235% | 5,076 |
| Earnings coverage of net charge-offs (x) | 7.8235% | 2,020 |
| Efficiency ratio | 77.7592% | 2,650 |
| Assets per employee ($millions) | 9.7933% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 3,914 |
| Loan loss allowance to noncurrent loans | 38.5398% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 2.5711% | 1,782 |
| Noncurrent loans to loans | 3.8280% | 1,201 |
| Net loans and leases to total assets | 43.9157% | 5,673 |
| Net loans and leases to deposits | 65.1113% | 4,172 |
| Net loans and leases to core deposits | 69.8068% | 4,108 |
| Total domestic deposits to total assets | 67.4471% | 6,821 |
| Equity capital to assets | 30.7496% | 63 |
| Core capital (leverage) ratio | 30.7496% | 59 |
| Tier 1 risk-based capital ratio | 81.0388% | 61 |
| Total risk-based capital ratio | 82.2928% | 59 |
| Memoranda: | ||
| Average total assets | $97,923,500 | 4,908 |
| Average earning assets | $88,093,500 | 4,931 |
| Average equity | $30,059,500 | 2,287 |
| Average total loans | $44,661,000 | 5,274 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4405% | 6,430 |
| Cost of funding earning assets | 0.8034% | 2,636 |
| Net interest margin | 2.6371% | 6,597 |
| Noninterest income to average assets | 0.0031% | 6,813 |
| Noninterest expense to average assets | 1.9182% | 6,471 |
| Loan and lease loss provision to assets | 0.0611% | 5,014 |
| Net operating income to assets | 0.3185% | 5,401 |
| Return on assets (ROA) | 0.3185% | 5,612 |
| Pretax return on assets | 0.4020% | 5,573 |
| Return on Equity (ROE) | 1.0485% | 6,124 |
| Retained earnings to average equity (ytd only) | 1.0485% | 5,350 |
| Net charge-offs to loans | 0.0816% | 4,858 |
| Credit loss provision to net charge-offs | 146.3415% | 1,858 |
| Earnings coverage of net charge-offs (x) | 11.0976% | 2,069 |
| Efficiency ratio | 80.5556% | 2,077 |
| Assets per employee ($millions) | 9.7914% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 3,873 |
| Loan loss allowance to noncurrent loans | 29.9020% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 3.5000% | 1,294 |
| Noncurrent loans to loans | 4.9135% | 826 |
| Net loans and leases to total assets | 45.9577% | 5,617 |
| Net loans and leases to deposits | 67.9240% | 3,995 |
| Net loans and leases to core deposits | 72.5241% | 3,977 |
| Total domestic deposits to total assets | 67.6604% | 6,867 |
| Equity capital to assets | 30.6442% | 64 |
| Core capital (leverage) ratio | 30.6442% | 59 |
| Tier 1 risk-based capital ratio | 77.1614% | 65 |
| Total risk-based capital ratio | 78.4164% | 65 |
| Memoranda: | ||
| Average total assets | $98,267,800 | 4,881 |
| Average earning assets | $88,621,600 | 4,908 |
| Average equity | $29,851,800 | 2,258 |
| Average total loans | $50,239,800 | 5,097 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5375% | 6,463 |
| Cost of funding earning assets | 0.8393% | 2,632 |
| Net interest margin | 2.6982% | 6,648 |
| Noninterest income to average assets | 0.0054% | 6,918 |
| Noninterest expense to average assets | 1.9073% | 6,510 |
| Loan and lease loss provision to assets | 0.0759% | 4,696 |
| Net operating income to assets | 0.3755% | 5,351 |
| Return on assets (ROA) | 0.3755% | 5,553 |
| Pretax return on assets | 0.4582% | 5,570 |
| Return on Equity (ROE) | 1.2388% | 6,208 |
| Retained earnings to average equity (ytd only) | 1.2388% | 5,680 |
| Net charge-offs to loans | 0.0649% | 4,773 |
| Credit loss provision to net charge-offs | 224.0000% | 1,239 |
| Earnings coverage of net charge-offs (x) | 15.7612% | 1,732 |
| Efficiency ratio | 78.1233% | 2,386 |
| Assets per employee ($millions) | 9.8627% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 4,321 |
| Loan loss allowance to noncurrent loans | 28.0723% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 3.2557% | 1,570 |
| Noncurrent loans to loans | 5.0316% | 894 |
| Net loans and leases to total assets | 48.3346% | 5,507 |
| Net loans and leases to deposits | 71.2731% | 3,709 |
| Net loans and leases to core deposits | 75.2538% | 3,816 |
| Total domestic deposits to total assets | 67.8161% | 6,933 |
| Equity capital to assets | 30.3649% | 67 |
| Core capital (leverage) ratio | 30.3649% | 64 |
| Tier 1 risk-based capital ratio | 72.9514% | 70 |
| Total risk-based capital ratio | 74.1986% | 70 |
| Memoranda: | ||
| Average total assets | $98,356,250 | 4,920 |
| Average earning assets | $88,799,000 | 4,947 |
| Average equity | $29,813,500 | 2,278 |
| Average total loans | $51,382,250 | 5,110 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6038% | 6,477 |
| Cost of funding earning assets | 0.8756% | 2,600 |
| Net interest margin | 2.7282% | 6,674 |
| Noninterest income to average assets | 0.1913% | 6,188 |
| Noninterest expense to average assets | 2.2755% | 5,807 |
| Loan and lease loss provision to assets | 0.0061% | 5,580 |
| Net operating income to assets | 0.3216% | 5,537 |
| Return on assets (ROA) | 0.3216% | 5,740 |
| Pretax return on assets | 0.3704% | 5,779 |
| Return on Equity (ROE) | 1.0615% | 6,291 |
| Retained earnings to average equity (ytd only) | 1.0615% | 5,649 |
| Net charge-offs to loans | 0.0954% | 4,205 |
| Credit loss provision to net charge-offs | 12.0000% | 4,716 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 2,488 |
| Efficiency ratio | 85.8020% | 1,454 |
| Assets per employee ($millions) | 9.8723% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 5,170 |
| Loan loss allowance to noncurrent loans | 147.5410% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 1.2196% | 3,978 |
| Noncurrent loans to loans | 0.8387% | 4,838 |
| Net loans and leases to total assets | 50.9324% | 5,234 |
| Net loans and leases to deposits | 74.7932% | 3,157 |
| Net loans and leases to core deposits | 79.1843% | 3,341 |
| Total domestic deposits to total assets | 68.0976% | 6,993 |
| Equity capital to assets | 30.2148% | 66 |
| Core capital (leverage) ratio | 30.2148% | 62 |
| Tier 1 risk-based capital ratio | 70.1215% | 71 |
| Total risk-based capital ratio | 71.1324% | 70 |
| Memoranda: | ||
| Average total assets | $98,266,000 | 4,946 |
| Average earning assets | $88,628,330 | 4,976 |
| Average equity | $29,768,670 | 2,271 |
| Average total loans | $52,391,670 | 5,091 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7493% | 6,353 |
| Cost of funding earning assets | 0.9147% | 2,571 |
| Net interest margin | 2.8346% | 6,580 |
| Noninterest income to average assets | 0.1999% | 6,194 |
| Noninterest expense to average assets | 2.0156% | 6,435 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5508% | 4,590 |
| Return on assets (ROA) | 0.5508% | 4,805 |
| Pretax return on assets | 0.7385% | 4,657 |
| Return on Equity (ROE) | 1.8158% | 6,128 |
| Retained earnings to average equity (ytd only) | 1.8158% | 5,336 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1852% | 3,226 |
| Assets per employee ($millions) | 9.8408% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 5,268 |
| Loan loss allowance to noncurrent loans | 32.5025% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 3.1502% | 1,840 |
| Noncurrent loans to loans | 3.8343% | 1,614 |
| Net loans and leases to total assets | 52.5008% | 4,948 |
| Net loans and leases to deposits | 77.2723% | 2,633 |
| Net loans and leases to core deposits | 81.4970% | 2,897 |
| Total domestic deposits to total assets | 67.9426% | 7,053 |
| Equity capital to assets | 30.2882% | 62 |
| Core capital (leverage) ratio | 30.2882% | 60 |
| Tier 1 risk-based capital ratio | 68.4456% | 71 |
| Total risk-based capital ratio | 69.6994% | 70 |
| Memoranda: | ||
| Average total assets | $98,037,500 | 4,983 |
| Average earning assets | $88,337,500 | 5,012 |
| Average equity | $29,738,500 | 2,279 |
| Average total loans | $53,131,500 | 5,100 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 6,593 |
| Cost of funding earning assets | 1.1597% | 2,282 |
| Net interest margin | 2.7540% | 6,879 |
| Noninterest income to average assets | 0.1164% | 6,563 |
| Noninterest expense to average assets | 1.8183% | 6,936 |
| Loan and lease loss provision to assets | 0.0936% | 5,428 |
| Net operating income to assets | 0.5001% | 4,426 |
| Return on assets (ROA) | 0.5001% | 4,638 |
| Pretax return on assets | 0.6882% | 4,366 |
| Return on Equity (ROE) | 1.6325% | 5,796 |
| Retained earnings to average equity (ytd only) | 1.6325% | 5,042 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9320% | 3,975 |
| Assets per employee ($millions) | 10.8519% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,351 |
| Loan loss allowance to noncurrent loans | 38.3079% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 2.8628% | 2,110 |
| Noncurrent loans to loans | 3.1550% | 2,051 |
| Net loans and leases to total assets | 54.5670% | 4,939 |
| Net loans and leases to deposits | 80.3431% | 2,459 |
| Net loans and leases to core deposits | 83.7745% | 2,919 |
| Total domestic deposits to total assets | 67.9175% | 7,076 |
| Equity capital to assets | 30.3798% | 65 |
| Core capital (leverage) ratio | 30.3798% | 62 |
| Tier 1 risk-based capital ratio | 65.4498% | 79 |
| Total risk-based capital ratio | 66.6983% | 78 |
| Memoranda: | ||
| Average total assets | $96,188,000 | 5,004 |
| Average earning assets | $86,746,400 | 5,032 |
| Average equity | $29,463,600 | 2,231 |
| Average total loans | $55,900,400 | 5,029 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0263% | 6,548 |
| Cost of funding earning assets | 1.2022% | 2,305 |
| Net interest margin | 2.8241% | 6,859 |
| Noninterest income to average assets | 0.2185% | 6,049 |
| Noninterest expense to average assets | 1.8479% | 6,925 |
| Loan and lease loss provision to assets | 0.1183% | 4,953 |
| Net operating income to assets | 0.5858% | 4,150 |
| Return on assets (ROA) | 0.5858% | 4,334 |
| Pretax return on assets | 0.7987% | 4,134 |
| Return on Equity (ROE) | 1.9085% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.9085% | 5,186 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8344% | 4,556 |
| Assets per employee ($millions) | 10.7878% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 5,181 |
| Loan loss allowance to noncurrent loans | 30.0684% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 3.0394% | 2,112 |
| Noncurrent loans to loans | 4.1987% | 1,564 |
| Net loans and leases to total assets | 56.6289% | 4,739 |
| Net loans and leases to deposits | 83.7002% | 2,046 |
| Net loans and leases to core deposits | 86.9196% | 2,652 |
| Total domestic deposits to total assets | 67.6568% | 7,154 |
| Equity capital to assets | 30.4975% | 75 |
| Core capital (leverage) ratio | 30.4975% | 74 |
| Tier 1 risk-based capital ratio | 63.7666% | 96 |
| Total risk-based capital ratio | 65.0156% | 95 |
| Memoranda: | ||
| Average total assets | $95,818,250 | 5,046 |
| Average earning assets | $86,396,750 | 5,080 |
| Average equity | $29,411,750 | 2,232 |
| Average total loans | $56,389,000 | 5,059 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0875% | 6,520 |
| Cost of funding earning assets | 1.2365% | 2,347 |
| Net interest margin | 2.8511% | 6,860 |
| Noninterest income to average assets | 0.2180% | 6,107 |
| Noninterest expense to average assets | 1.9351% | 6,899 |
| Loan and lease loss provision to assets | 0.0839% | 5,267 |
| Net operating income to assets | 0.5724% | 4,200 |
| Return on assets (ROA) | 0.5724% | 4,327 |
| Pretax return on assets | 0.7757% | 4,117 |
| Return on Equity (ROE) | 1.8606% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.8606% | 5,052 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2423% | 4,279 |
| Assets per employee ($millions) | 10.6657% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 5,677 |
| Loan loss allowance to noncurrent loans | 37.6000% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 2.2898% | 2,866 |
| Noncurrent loans to loans | 3.1036% | 2,323 |
| Net loans and leases to total assets | 58.0554% | 4,612 |
| Net loans and leases to deposits | 86.0677% | 1,785 |
| Net loans and leases to core deposits | 89.0394% | 2,489 |
| Total domestic deposits to total assets | 67.4532% | 7,218 |
| Equity capital to assets | 30.7123% | 78 |
| Core capital (leverage) ratio | 30.7123% | 76 |
| Tier 1 risk-based capital ratio | 63.9737% | 96 |
| Total risk-based capital ratio | 65.2236% | 96 |
| Memoranda: | ||
| Average total assets | $95,394,330 | 5,090 |
| Average earning assets | $86,213,670 | 5,122 |
| Average equity | $29,345,670 | 2,215 |
| Average total loans | $56,624,000 | 5,098 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0848% | 6,531 |
| Cost of funding earning assets | 1.2716% | 2,355 |
| Net interest margin | 2.8133% | 6,884 |
| Noninterest income to average assets | 0.2187% | 6,166 |
| Noninterest expense to average assets | 1.8592% | 7,059 |
| Loan and lease loss provision to assets | 0.1052% | 4,704 |
| Net operating income to assets | 0.5889% | 4,090 |
| Return on assets (ROA) | 0.5889% | 4,159 |
| Pretax return on assets | 0.7950% | 3,914 |
| Return on Equity (ROE) | 1.9127% | 5,820 |
| Retained earnings to average equity (ytd only) | 1.9127% | 4,976 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3780% | 4,773 |
| Assets per employee ($millions) | 10.5947% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 5,915 |
| Loan loss allowance to noncurrent loans | 33.4200% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 2.4876% | 2,742 |
| Noncurrent loans to loans | 3.3915% | 2,212 |
| Net loans and leases to total assets | 58.8210% | 4,495 |
| Net loans and leases to deposits | 87.3344% | 1,545 |
| Net loans and leases to core deposits | 89.9652% | 2,349 |
| Total domestic deposits to total assets | 67.3515% | 7,289 |
| Equity capital to assets | 30.7786% | 75 |
| Core capital (leverage) ratio | 30.7786% | 74 |
| Tier 1 risk-based capital ratio | 63.6450% | 92 |
| Total risk-based capital ratio | 64.8942% | 91 |
| Memoranda: | ||
| Average total assets | $95,096,000 | 5,138 |
| Average earning assets | $85,879,000 | 5,163 |
| Average equity | $29,278,000 | 2,217 |
| Average total loans | $56,743,000 | 5,146 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 6,427 |
| Cost of funding earning assets | 1.5270% | 2,495 |
| Net interest margin | 2.9622% | 6,802 |
| Noninterest income to average assets | 0.2357% | 6,113 |
| Noninterest expense to average assets | 2.0877% | 6,877 |
| Loan and lease loss provision to assets | 0.1249% | 5,912 |
| Net operating income to assets | 0.5800% | 3,756 |
| Return on assets (ROA) | 0.5800% | 3,916 |
| Pretax return on assets | 0.6908% | 4,004 |
| Return on Equity (ROE) | 1.8454% | 5,447 |
| Retained earnings to average equity (ytd only) | 1.8454% | 4,571 |
| Net charge-offs to loans | 0.1103% | 5,771 |
| Credit loss provision to net charge-offs | 182.5397% | 1,809 |
| Earnings coverage of net charge-offs (x) | 11.9206% | 1,555 |
| Efficiency ratio | 71.9042% | 3,810 |
| Assets per employee ($millions) | 10.5378% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 5,994 |
| Loan loss allowance to noncurrent loans | 40.8190% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 1.9907% | 3,357 |
| Noncurrent loans to loans | 2.6676% | 2,849 |
| Net loans and leases to total assets | 59.1923% | 4,806 |
| Net loans and leases to deposits | 87.8021% | 1,823 |
| Net loans and leases to core deposits | 90.4460% | 2,703 |
| Total domestic deposits to total assets | 67.4156% | 7,346 |
| Equity capital to assets | 30.7971% | 76 |
| Core capital (leverage) ratio | 30.7971% | 82 |
| Tier 1 risk-based capital ratio | 63.7646% | 90 |
| Total risk-based capital ratio | 65.0155% | 89 |
| Memoranda: | ||
| Average total assets | $92,062,600 | 5,221 |
| Average earning assets | $82,910,000 | 5,252 |
| Average equity | $28,936,400 | 2,248 |
| Average total loans | $57,123,600 | 5,192 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 6,416 |
| Cost of funding earning assets | 1.5657% | 2,577 |
| Net interest margin | 3.0049% | 6,821 |
| Noninterest income to average assets | 0.2306% | 6,246 |
| Noninterest expense to average assets | 2.0109% | 7,031 |
| Loan and lease loss provision to assets | 0.1386% | 5,640 |
| Net operating income to assets | 0.5822% | 3,949 |
| Return on assets (ROA) | 0.5822% | 4,107 |
| Pretax return on assets | 0.7865% | 3,962 |
| Return on Equity (ROE) | 1.8428% | 5,665 |
| Retained earnings to average equity (ytd only) | 1.8428% | 5,039 |
| Net charge-offs to loans | 0.1468% | 5,132 |
| Credit loss provision to net charge-offs | 150.7937% | 2,578 |
| Earnings coverage of net charge-offs (x) | 10.0632% | 1,924 |
| Efficiency ratio | 68.4891% | 4,377 |
| Assets per employee ($millions) | 10.3846% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 6,230 |
| Loan loss allowance to noncurrent loans | 37.3984% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 2.1110% | 3,318 |
| Noncurrent loans to loans | 2.7730% | 2,867 |
| Net loans and leases to total assets | 61.0586% | 4,704 |
| Net loans and leases to deposits | 91.1044% | 1,557 |
| Net loans and leases to core deposits | 93.8925% | 2,537 |
| Total domestic deposits to total assets | 67.0205% | 7,429 |
| Equity capital to assets | 31.1071% | 79 |
| Core capital (leverage) ratio | 31.1071% | 79 |
| Tier 1 risk-based capital ratio | 63.0487% | 96 |
| Total risk-based capital ratio | 64.2978% | 96 |
| Memoranda: | ||
| Average total assets | $91,368,250 | 5,315 |
| Average earning assets | $82,263,750 | 5,333 |
| Average equity | $28,868,500 | 2,283 |
| Average total loans | $57,215,500 | 5,265 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6293% | 6,374 |
| Cost of funding earning assets | 1.5995% | 2,658 |
| Net interest margin | 3.0298% | 6,770 |
| Noninterest income to average assets | 0.2338% | 6,234 |
| Noninterest expense to average assets | 2.0536% | 7,015 |
| Loan and lease loss provision to assets | 0.1434% | 5,467 |
| Net operating income to assets | 0.5647% | 4,018 |
| Return on assets (ROA) | 0.5647% | 4,167 |
| Pretax return on assets | 0.7610% | 4,023 |
| Return on Equity (ROE) | 1.7778% | 5,699 |
| Retained earnings to average equity (ytd only) | 1.7778% | 4,972 |
| Net charge-offs to loans | 0.1262% | 4,936 |
| Credit loss provision to net charge-offs | 180.5556% | 2,174 |
| Earnings coverage of net charge-offs (x) | 11.3889% | 1,767 |
| Efficiency ratio | 69.4258% | 4,295 |
| Assets per employee ($millions) | 10.2421% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 6,329 |
| Loan loss allowance to noncurrent loans | 42.3789% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 2.2109% | 3,247 |
| Noncurrent loans to loans | 2.3989% | 3,259 |
| Net loans and leases to total assets | 62.8484% | 4,505 |
| Net loans and leases to deposits | 94.0593% | 1,266 |
| Net loans and leases to core deposits | 96.5067% | 2,390 |
| Total domestic deposits to total assets | 66.8178% | 7,492 |
| Equity capital to assets | 31.3868% | 75 |
| Core capital (leverage) ratio | 31.3868% | 76 |
| Tier 1 risk-based capital ratio | 58.9354% | 116 |
| Total risk-based capital ratio | 60.1475% | 112 |
| Memoranda: | ||
| Average total assets | $90,670,670 | 5,367 |
| Average earning assets | $81,524,670 | 5,387 |
| Average equity | $28,800,330 | 2,275 |
| Average total loans | $57,066,000 | 5,301 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 6,600 |
| Cost of funding earning assets | 1.6237% | 2,809 |
| Net interest margin | 2.9604% | 6,919 |
| Noninterest income to average assets | 0.2180% | 6,398 |
| Noninterest expense to average assets | 2.0864% | 6,983 |
| Loan and lease loss provision to assets | 0.1112% | 5,507 |
| Net operating income to assets | 0.5116% | 4,338 |
| Return on assets (ROA) | 0.5116% | 4,476 |
| Pretax return on assets | 0.6806% | 4,305 |
| Return on Equity (ROE) | 1.6009% | 5,919 |
| Retained earnings to average equity (ytd only) | 1.6009% | 5,146 |
| Net charge-offs to loans | 0.1136% | 4,301 |
| Credit loss provision to net charge-offs | 156.2500% | 2,287 |
| Earnings coverage of net charge-offs (x) | 11.1250% | 1,676 |
| Efficiency ratio | 72.4884% | 3,847 |
| Assets per employee ($millions) | 9.1471% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 6,369 |
| Loan loss allowance to noncurrent loans | 47.8768% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.0280% | 3,468 |
| Noncurrent loans to loans | 2.1274% | 3,614 |
| Net loans and leases to total assets | 61.0904% | 4,929 |
| Net loans and leases to deposits | 91.7043% | 1,652 |
| Net loans and leases to core deposits | 94.1026% | 2,830 |
| Total domestic deposits to total assets | 66.6167% | 7,594 |
| Equity capital to assets | 31.4766% | 76 |
| Core capital (leverage) ratio | 31.4766% | 77 |
| Tier 1 risk-based capital ratio | 59.3050% | 112 |
| Total risk-based capital ratio | 60.4894% | 111 |
| Memoranda: | ||
| Average total assets | $89,916,500 | 5,458 |
| Average earning assets | $80,801,000 | 5,478 |
| Average equity | $28,734,500 | 2,311 |
| Average total loans | $56,335,000 | 5,407 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8500% | 6,841 |
| Cost of funding earning assets | 1.8418% | 3,773 |
| Net interest margin | 3.0082% | 6,623 |
| Noninterest income to average assets | 0.2233% | 6,517 |
| Noninterest expense to average assets | 2.0852% | 7,214 |
| Loan and lease loss provision to assets | 0.0884% | 6,730 |
| Net operating income to assets | 0.4765% | 3,829 |
| Return on assets (ROA) | 0.4140% | 4,182 |
| Pretax return on assets | 0.6605% | 3,705 |
| Return on Equity (ROE) | 1.2504% | 5,156 |
| Retained earnings to average equity (ytd only) | 1.2504% | 4,168 |
| Net charge-offs to loans | 0.0039% | 7,193 |
| Credit loss provision to net charge-offs | 3,800.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 364.0000% | 80 |
| Efficiency ratio | 71.1226% | 4,424 |
| Assets per employee ($millions) | 8.0329% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 6,332 |
| Loan loss allowance to noncurrent loans | 35.7323% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 2.2159% | 3,106 |
| Noncurrent loans to loans | 2.8178% | 2,743 |
| Net loans and leases to total assets | 62.9784% | 4,815 |
| Net loans and leases to deposits | 95.9201% | 1,343 |
| Net loans and leases to core deposits | 131.2941% | 1,210 |
| Total domestic deposits to total assets | 65.6572% | 7,655 |
| Equity capital to assets | 32.4540% | 89 |
| Core capital (leverage) ratio | 32.4540% | 85 |
| Tier 1 risk-based capital ratio | 59.9937% | 114 |
| Total risk-based capital ratio | 61.1778% | 112 |
| Memoranda: | ||
| Average total assets | $85,989,000 | 5,525 |
| Average earning assets | $77,422,600 | 5,548 |
| Average equity | $28,470,400 | 2,338 |
| Average total loans | $51,941,400 | 5,590 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8730% | 6,952 |
| Cost of funding earning assets | 1.8851% | 3,954 |
| Net interest margin | 2.9880% | 6,635 |
| Noninterest income to average assets | 0.2170% | 6,678 |
| Noninterest expense to average assets | 2.1234% | 7,145 |
| Loan and lease loss provision to assets | 0.0250% | 7,105 |
| Net operating income to assets | 0.5305% | 3,858 |
| Return on assets (ROA) | 0.4387% | 4,343 |
| Pretax return on assets | 0.6277% | 4,094 |
| Return on Equity (ROE) | 1.3184% | 5,403 |
| Retained earnings to average equity (ytd only) | 1.3184% | 4,585 |
| Net charge-offs to loans | 0.0052% | 6,893 |
| Credit loss provision to net charge-offs | 800.0000% | 477 |
| Earnings coverage of net charge-offs (x) | 250.6816% | 152 |
| Efficiency ratio | 73.0397% | 4,048 |
| Assets per employee ($millions) | 7.8875% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 6,646 |
| Loan loss allowance to noncurrent loans | 40.2226% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 1.8822% | 3,535 |
| Noncurrent loans to loans | 2.3042% | 3,260 |
| Net loans and leases to total assets | 62.3441% | 5,184 |
| Net loans and leases to deposits | 96.0576% | 1,566 |
| Net loans and leases to core deposits | 130.8695% | 1,380 |
| Total domestic deposits to total assets | 64.9028% | 7,730 |
| Equity capital to assets | 32.9153% | 95 |
| Core capital (leverage) ratio | 32.9153% | 105 |
| Tier 1 risk-based capital ratio | 61.3399% | 111 |
| Total risk-based capital ratio | 62.4267% | 109 |
| Memoranda: | ||
| Average total assets | $85,395,750 | 5,575 |
| Average earning assets | $76,883,750 | 5,599 |
| Average equity | $28,418,750 | 2,363 |
| Average total loans | $50,873,000 | 5,675 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 7,066 |
| Cost of funding earning assets | 1.9505% | 4,000 |
| Net interest margin | 2.9349% | 6,723 |
| Noninterest income to average assets | 0.2119% | 6,787 |
| Noninterest expense to average assets | 2.1545% | 7,162 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4692% | 4,221 |
| Return on assets (ROA) | 0.3367% | 4,846 |
| Pretax return on assets | 0.5062% | 4,600 |
| Return on Equity (ROE) | 1.0080% | 5,633 |
| Retained earnings to average equity (ytd only) | 1.0080% | 4,769 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3707% | 3,815 |
| Assets per employee ($millions) | 7.7999% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 6,532 |
| Loan loss allowance to noncurrent loans | 46.3713% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 1.2366% | 4,469 |
| Noncurrent loans to loans | 2.0577% | 3,439 |
| Net loans and leases to total assets | 59.5228% | 5,762 |
| Net loans and leases to deposits | 91.8360% | 2,499 |
| Net loans and leases to core deposits | 124.0798% | 2,020 |
| Total domestic deposits to total assets | 64.8143% | 7,798 |
| Equity capital to assets | 33.1263% | 116 |
| Core capital (leverage) ratio | 33.1263% | 121 |
| Tier 1 risk-based capital ratio | 63.6366% | 121 |
| Total risk-based capital ratio | 64.7382% | 121 |
| Memoranda: | ||
| Average total assets | $84,940,330 | 5,616 |
| Average earning assets | $76,596,000 | 5,654 |
| Average equity | $28,372,330 | 2,384 |
| Average total loans | $49,631,670 | 5,784 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 7,206 |
| Cost of funding earning assets | 2.0089% | 4,081 |
| Net interest margin | 2.8766% | 6,812 |
| Noninterest income to average assets | 0.1988% | 6,870 |
| Noninterest expense to average assets | 2.0920% | 7,134 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5064% | 4,393 |
| Return on assets (ROA) | 0.5064% | 4,579 |
| Pretax return on assets | 0.6958% | 4,447 |
| Return on Equity (ROE) | 1.5098% | 5,961 |
| Retained earnings to average equity (ytd only) | 1.5098% | 5,008 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0424% | 3,655 |
| Assets per employee ($millions) | 7.7220% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 6,191 |
| Loan loss allowance to noncurrent loans | 36.6617% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 1.5799% | 3,557 |
| Noncurrent loans to loans | 2.7257% | 2,408 |
| Net loans and leases to total assets | 57.3839% | 6,042 |
| Net loans and leases to deposits | 88.9487% | 3,116 |
| Net loans and leases to core deposits | 119.0712% | 2,500 |
| Total domestic deposits to total assets | 64.5134% | 7,819 |
| Equity capital to assets | 33.4263% | 118 |
| Core capital (leverage) ratio | 33.4201% | 126 |
| Tier 1 risk-based capital ratio | 64.5877% | 125 |
| Total risk-based capital ratio | 65.7072% | 125 |
| Memoranda: | ||
| Average total assets | $84,511,000 | 5,660 |
| Average earning assets | $76,063,000 | 5,698 |
| Average equity | $28,347,500 | 2,394 |
| Average total loans | $48,666,500 | 5,857 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0376% | 7,814 |
| Cost of funding earning assets | 2.5046% | 4,183 |
| Net interest margin | 2.5330% | 7,717 |
| Noninterest income to average assets | 0.2553% | 6,623 |
| Noninterest expense to average assets | 2.2745% | 6,773 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2515% | 5,706 |
| Return on assets (ROA) | -0.4931% | 6,796 |
| Pretax return on assets | -0.8953% | 6,937 |
| Return on Equity (ROE) | -1.4714% | 6,431 |
| Retained earnings to average equity (ytd only) | -1.4714% | 5,730 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4544% | 1,561 |
| Assets per employee ($millions) | 6.0057% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 5,835 |
| Loan loss allowance to noncurrent loans | 33.7449% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 1.7341% | 2,812 |
| Noncurrent loans to loans | 3.0313% | 1,765 |
| Net loans and leases to total assets | 56.6199% | 6,369 |
| Net loans and leases to deposits | 87.8891% | 3,820 |
| Net loans and leases to core deposits | 117.1782% | 2,983 |
| Total domestic deposits to total assets | 64.4220% | 7,763 |
| Equity capital to assets | 33.6608% | 136 |
| Core capital (leverage) ratio | 33.6419% | 147 |
| Tier 1 risk-based capital ratio | 65.5190% | 134 |
| Total risk-based capital ratio | 66.6589% | 130 |
| Memoranda: | ||
| Average total assets | $85,778,600 | 5,491 |
| Average earning assets | $77,457,600 | 5,525 |
| Average equity | $28,747,800 | 2,355 |
| Average total loans | $48,242,600 | 5,771 |