Home > Homewood Federal Savings Bank > Performance and Condition Ratios
Homewood Federal Savings Bank, Performance and Condition Ratios
| 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 | 4.8638% | 2,354 |
| Cost of funding earning assets | 1.5995% | 1,696 |
| Net interest margin | 3.2643% | 2,723 |
| Noninterest income to average assets | 0.0300% | 4,476 |
| Noninterest expense to average assets | 2.5725% | 2,091 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.3889% | 3,894 |
| Return on assets (ROA) | 0.3772% | 3,913 |
| Pretax return on assets | 0.5204% | 3,771 |
| Return on Equity (ROE) | 1.3900% | 4,223 |
| Retained earnings to average equity (ytd only) | 1.3906% | 3,739 |
| 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 | 81.4390% | 815 |
| Assets per employee ($millions) | 10.1700% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 3,634 |
| Loan loss allowance to noncurrent loans | 200.4348% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 1,465 |
| Noncurrent loans to loans | 0.4608% | 1,629 |
| Net loans and leases to total assets | 81.0400% | 527 |
| Net loans and leases to deposits | 111.4188% | 176 |
| Net loans and leases to core deposits | 122.4186% | 556 |
| Total domestic deposits to total assets | 72.7400% | 4,186 |
| Equity capital to assets | 27.1468% | 173 |
| Core capital (leverage) ratio | 27.6412% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.1522% | 121 |
| Memoranda: | ||
| Average total assets | $60,718,400 | 4,209 |
| Average earning assets | $58,206,000 | 4,160 |
| Average equity | $16,467,200 | 3,144 |
| Average total loans | $50,084,800 | 3,841 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 2,289 |
| Cost of funding earning assets | 1.5113% | 1,569 |
| Net interest margin | 3.2794% | 2,735 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 2.4690% | 2,319 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.4548% | 3,855 |
| Return on assets (ROA) | 0.4287% | 3,908 |
| Pretax return on assets | 0.5914% | 3,750 |
| Return on Equity (ROE) | 1.5800% | 4,252 |
| Retained earnings to average equity (ytd only) | 1.5812% | 3,821 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.7163% | 1,031 |
| Assets per employee ($millions) | 9.9955% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 3,632 |
| Loan loss allowance to noncurrent loans | 203.4783% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 1,505 |
| Noncurrent loans to loans | 0.4572% | 1,682 |
| Net loans and leases to total assets | 83.1000% | 356 |
| Net loans and leases to deposits | 114.8232% | 123 |
| Net loans and leases to core deposits | 126.4019% | 408 |
| Total domestic deposits to total assets | 72.3700% | 4,238 |
| Equity capital to assets | 27.5624% | 174 |
| Core capital (leverage) ratio | 27.1986% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.7583% | 127 |
| Memoranda: | ||
| Average total assets | $60,643,000 | 4,222 |
| Average earning assets | $58,139,500 | 4,180 |
| Average equity | $16,442,750 | 3,128 |
| Average total loans | $50,128,000 | 3,850 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 2,336 |
| Cost of funding earning assets | 1.4003% | 1,447 |
| Net interest margin | 3.2376% | 2,891 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 2.3954% | 2,501 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.4581% | 3,897 |
| Return on assets (ROA) | 0.4633% | 3,891 |
| Pretax return on assets | 0.6407% | 3,722 |
| Return on Equity (ROE) | 1.7200% | 4,301 |
| Retained earnings to average equity (ytd only) | 1.7181% | 3,780 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.5756% | 1,126 |
| Assets per employee ($millions) | 10.2910% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 3,752 |
| Loan loss allowance to noncurrent loans | 163.1206% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 1,176 |
| Noncurrent loans to loans | 0.5572% | 1,343 |
| Net loans and leases to total assets | 81.2300% | 496 |
| Net loans and leases to deposits | 110.9454% | 188 |
| Net loans and leases to core deposits | 120.8617% | 495 |
| Total domestic deposits to total assets | 73.2100% | 4,241 |
| Equity capital to assets | 26.6851% | 177 |
| Core capital (leverage) ratio | 26.3563% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.3146% | 133 |
| Memoranda: | ||
| Average total assets | $60,866,333 | 4,238 |
| Average earning assets | $58,129,667 | 4,202 |
| Average equity | $16,413,667 | 3,152 |
| Average total loans | $50,068,333 | 3,861 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 2,438 |
| Cost of funding earning assets | 1.1478% | 1,606 |
| Net interest margin | 3.2973% | 2,882 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 2.4691% | 2,324 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.4640% | 3,978 |
| Return on assets (ROA) | 0.6156% | 3,615 |
| Pretax return on assets | 0.8473% | 3,355 |
| Return on Equity (ROE) | 2.2700% | 4,270 |
| Retained earnings to average equity (ytd only) | 2.2708% | 3,657 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.3859% | 1,060 |
| Assets per employee ($millions) | 10.1853% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 3,888 |
| Loan loss allowance to noncurrent loans | 148.6486% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 1,065 |
| Noncurrent loans to loans | 0.5968% | 1,246 |
| Net loans and leases to total assets | 80.4400% | 500 |
| Net loans and leases to deposits | 110.2809% | 178 |
| Net loans and leases to core deposits | 119.5114% | 450 |
| Total domestic deposits to total assets | 72.9400% | 4,320 |
| Equity capital to assets | 26.8851% | 137 |
| Core capital (leverage) ratio | 27.5324% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.5583% | 134 |
| Memoranda: | ||
| Average total assets | $60,426,500 | 4,306 |
| Average earning assets | $57,502,000 | 4,268 |
| Average equity | $16,382,000 | 3,184 |
| Average total loans | $49,795,500 | 3,907 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8522% | 2,126 |
| Cost of funding earning assets | 0.9453% | 211 |
| Net interest margin | 2.9068% | 3,661 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 2.5308% | 2,023 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.1119% | 4,502 |
| Return on assets (ROA) | -0.1998% | 4,596 |
| Pretax return on assets | -0.2747% | 4,600 |
| Return on Equity (ROE) | -0.7300% | 4,566 |
| Retained earnings to average equity (ytd only) | -0.7338% | 4,424 |
| Net charge-offs to loans | 0.1115% | 672 |
| Credit loss provision to net charge-offs | 163.4615% | 1,244 |
| Earnings coverage of net charge-offs (x) | 3.0192% | 2,481 |
| Efficiency ratio | 90.6380% | 286 |
| Assets per employee ($millions) | 9.9568% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 3,894 |
| Loan loss allowance to noncurrent loans | 151.4085% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 1,065 |
| Noncurrent loans to loans | 0.5681% | 1,311 |
| Net loans and leases to total assets | 82.9600% | 326 |
| Net loans and leases to deposits | 114.3886% | 111 |
| Net loans and leases to core deposits | 123.3941% | 316 |
| Total domestic deposits to total assets | 72.5200% | 4,413 |
| Equity capital to assets | 27.3414% | 132 |
| Core capital (leverage) ratio | 27.1152% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.1643% | 128 |
| Memoranda: | ||
| Average total assets | $60,059,400 | 4,335 |
| Average earning assets | $56,487,600 | 4,304 |
| Average equity | $16,353,200 | 3,244 |
| Average total loans | $46,637,800 | 3,950 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7051% | 2,032 |
| Cost of funding earning assets | 0.9073% | 103 |
| Net interest margin | 2.7978% | 3,742 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.5429% | 1,885 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 0.0338% | 4,577 |
| Return on assets (ROA) | -0.3813% | 4,654 |
| Pretax return on assets | -0.5254% | 4,660 |
| Return on Equity (ROE) | -1.4000% | 4,603 |
| Retained earnings to average equity (ytd only) | -1.4019% | 4,454 |
| Net charge-offs to loans | 0.1514% | 433 |
| Credit loss provision to net charge-offs | 163.4615% | 1,086 |
| Earnings coverage of net charge-offs (x) | 1.6346% | 2,270 |
| Efficiency ratio | 93.1006% | 251 |
| Assets per employee ($millions) | 10.1055% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8588% | 3,963 |
| Loan loss allowance to noncurrent loans | 150.8772% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 1,152 |
| Noncurrent loans to loans | 0.5692% | 1,411 |
| Net loans and leases to total assets | 81.8700% | 383 |
| Net loans and leases to deposits | 112.0896% | 105 |
| Net loans and leases to core deposits | 120.7140% | 248 |
| Total domestic deposits to total assets | 73.0400% | 4,479 |
| Equity capital to assets | 26.8550% | 125 |
| Core capital (leverage) ratio | 27.2481% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.1564% | 130 |
| Memoranda: | ||
| Average total assets | $60,139,000 | 4,371 |
| Average earning assets | $56,280,750 | 4,341 |
| Average equity | $16,358,000 | 3,280 |
| Average total loans | $45,799,750 | 3,991 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5754% | 1,918 |
| Cost of funding earning assets | 0.8930% | 65 |
| Net interest margin | 2.6824% | 3,735 |
| Noninterest income to average assets | 0.1634% | 4,192 |
| Noninterest expense to average assets | 2.5277% | 1,844 |
| Loan and lease loss provision to assets | 0.2334% | 330 |
| Net operating income to assets | -0.0341% | 4,587 |
| Return on assets (ROA) | -0.4635% | 4,659 |
| Pretax return on assets | -0.6369% | 4,671 |
| Return on Equity (ROE) | -1.6969% | 4,605 |
| Retained earnings to average equity (ytd only) | -1.6969% | 4,360 |
| Net charge-offs to loans | 0.2344% | 278 |
| Credit loss provision to net charge-offs | 134.6154% | 1,140 |
| Earnings coverage of net charge-offs (x) | 0.8077% | 2,090 |
| Efficiency ratio | 94.7500% | 274 |
| Assets per employee ($millions) | 8.5266% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 3,978 |
| Loan loss allowance to noncurrent loans | 145.1049% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 1,185 |
| Noncurrent loans to loans | 0.6133% | 1,384 |
| Net loans and leases to total assets | 77.4369% | 605 |
| Net loans and leases to deposits | 106.6748% | 126 |
| Net loans and leases to core deposits | 114.2564% | 275 |
| Total domestic deposits to total assets | 72.5916% | 4,571 |
| Equity capital to assets | 27.3414% | 76 |
| Core capital (leverage) ratio | 27.1109% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.6019% | 83 |
| Memoranda: | ||
| Average total assets | $59,974,333 | 4,414 |
| Average earning assets | $55,994,000 | 4,403 |
| Average equity | $16,383,000 | 3,373 |
| Average total loans | $44,376,333 | 4,063 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 1,841 |
| Cost of funding earning assets | 0.8799% | 61 |
| Net interest margin | 2.6108% | 3,629 |
| Noninterest income to average assets | 0.2794% | 3,464 |
| Noninterest expense to average assets | 2.5283% | 1,810 |
| Loan and lease loss provision to assets | 0.3992% | 132 |
| Net operating income to assets | -0.1352% | 4,614 |
| Return on assets (ROA) | -0.6188% | 4,708 |
| Pretax return on assets | -0.8517% | 4,721 |
| Return on Equity (ROE) | -2.2662% | 4,645 |
| Retained earnings to average equity (ytd only) | -2.2662% | 4,269 |
| Net charge-offs to loans | 0.4810% | 141 |
| Credit loss provision to net charge-offs | 115.3846% | 946 |
| Earnings coverage of net charge-offs (x) | 0.4615% | 1,772 |
| Efficiency ratio | 94.0594% | 383 |
| Assets per employee ($millions) | 8.6567% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 4,001 |
| Loan loss allowance to noncurrent loans | 141.1150% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 1,285 |
| Noncurrent loans to loans | 0.6484% | 1,454 |
| Net loans and leases to total assets | 72.3782% | 797 |
| Net loans and leases to deposits | 99.3229% | 192 |
| Net loans and leases to core deposits | 105.5851% | 356 |
| Total domestic deposits to total assets | 72.8716% | 4,603 |
| Equity capital to assets | 27.0112% | 72 |
| Core capital (leverage) ratio | 27.7002% | 72 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.9568% | 82 |
| Memoranda: | ||
| Average total assets | $60,118,500 | 4,437 |
| Average earning assets | $55,461,500 | 4,432 |
| Average equity | $16,415,000 | 3,439 |
| Average total loans | $43,247,500 | 4,098 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4796% | 2,720 |
| Cost of funding earning assets | 1.0170% | 72 |
| Net interest margin | 2.4626% | 4,241 |
| Noninterest income to average assets | 0.1460% | 4,426 |
| Noninterest expense to average assets | 2.3031% | 2,785 |
| Loan and lease loss provision to assets | 0.0656% | 1,750 |
| Net operating income to assets | -0.0087% | 4,685 |
| Return on assets (ROA) | -0.1279% | 4,716 |
| Pretax return on assets | -0.1772% | 4,725 |
| Return on Equity (ROE) | -0.4725% | 4,704 |
| Retained earnings to average equity (ytd only) | -0.4725% | 4,544 |
| Net charge-offs to loans | 0.0936% | 896 |
| Credit loss provision to net charge-offs | 105.2632% | 1,747 |
| Earnings coverage of net charge-offs (x) | 0.6316% | 2,640 |
| Efficiency ratio | 98.3193% | 166 |
| Assets per employee ($millions) | 8.5200% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 3,964 |
| Loan loss allowance to noncurrent loans | 116.7647% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 1,161 |
| Noncurrent loans to loans | 0.8051% | 1,266 |
| Net loans and leases to total assets | 70.1442% | 1,028 |
| Net loans and leases to deposits | 97.0739% | 279 |
| Net loans and leases to core deposits | 103.3372% | 424 |
| Total domestic deposits to total assets | 72.2586% | 4,637 |
| Equity capital to assets | 27.6023% | 71 |
| Core capital (leverage) ratio | 27.2640% | 76 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.8699% | 78 |
| Memoranda: | ||
| Average total assets | $60,962,200 | 4,446 |
| Average earning assets | $54,373,400 | 4,458 |
| Average equity | $16,509,400 | 3,504 |
| Average total loans | $40,618,800 | 4,174 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4962% | 2,848 |
| Cost of funding earning assets | 1.0481% | 72 |
| Net interest margin | 2.4481% | 4,345 |
| Noninterest income to average assets | 0.1457% | 4,469 |
| Noninterest expense to average assets | 2.3341% | 2,649 |
| Loan and lease loss provision to assets | -0.0587% | 4,486 |
| Net operating income to assets | 0.0249% | 4,731 |
| Return on assets (ROA) | -0.1022% | 4,781 |
| Pretax return on assets | -0.1414% | 4,788 |
| Return on Equity (ROE) | -0.3793% | 4,767 |
| Retained earnings to average equity (ytd only) | -0.3793% | 4,601 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7062% | 143 |
| Assets per employee ($millions) | 10.1963% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,154 |
| Loan loss allowance to noncurrent loans | 88.4615% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.6800% | 1,107 |
| Noncurrent loans to loans | 1.0166% | 1,128 |
| Net loans and leases to total assets | 66.2836% | 1,507 |
| Net loans and leases to deposits | 90.9480% | 548 |
| Net loans and leases to core deposits | 97.8760% | 664 |
| Total domestic deposits to total assets | 72.8808% | 4,670 |
| Equity capital to assets | 26.9656% | 80 |
| Core capital (leverage) ratio | 27.0520% | 80 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.7171% | 79 |
| Memoranda: | ||
| Average total assets | $61,292,750 | 4,495 |
| Average earning assets | $53,809,000 | 4,520 |
| Average equity | $16,521,250 | 3,550 |
| Average total loans | $40,215,750 | 4,240 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5754% | 2,700 |
| Cost of funding earning assets | 1.0828% | 73 |
| Net interest margin | 2.4927% | 4,315 |
| Noninterest income to average assets | 0.1826% | 4,290 |
| Noninterest expense to average assets | 2.3316% | 2,667 |
| Loan and lease loss provision to assets | -0.1207% | 4,660 |
| Net operating income to assets | 0.1079% | 4,703 |
| Return on assets (ROA) | -0.0261% | 4,790 |
| Pretax return on assets | -0.0359% | 4,790 |
| Return on Equity (ROE) | -0.0968% | 4,786 |
| Retained earnings to average equity (ytd only) | -0.0968% | 4,524 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4437% | 173 |
| Assets per employee ($millions) | 10.2092% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 4,111 |
| Loan loss allowance to noncurrent loans | 79.7327% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 1,122 |
| Noncurrent loans to loans | 1.1483% | 1,053 |
| Net loans and leases to total assets | 63.2503% | 2,037 |
| Net loans and leases to deposits | 86.8622% | 856 |
| Net loans and leases to core deposits | 93.4604% | 930 |
| Total domestic deposits to total assets | 72.8169% | 4,696 |
| Equity capital to assets | 26.9953% | 77 |
| Core capital (leverage) ratio | 26.9055% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.3057% | 77 |
| Memoranda: | ||
| Average total assets | $61,331,000 | 4,523 |
| Average earning assets | $53,196,333 | 4,558 |
| Average equity | $16,529,333 | 3,552 |
| Average total loans | $39,981,333 | 4,278 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 2,750 |
| Cost of funding earning assets | 1.1150% | 77 |
| Net interest margin | 2.4485% | 4,367 |
| Noninterest income to average assets | 0.0717% | 4,792 |
| Noninterest expense to average assets | 2.3399% | 2,676 |
| Loan and lease loss provision to assets | -0.1173% | 4,740 |
| Net operating income to assets | -0.0053% | 4,775 |
| Return on assets (ROA) | -0.2216% | 4,850 |
| Pretax return on assets | -0.3063% | 4,858 |
| Return on Equity (ROE) | -0.8229% | 4,820 |
| Retained earnings to average equity (ytd only) | -0.8229% | 4,440 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8452% | 128 |
| Assets per employee ($millions) | 10.3118% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 3,978 |
| Loan loss allowance to noncurrent loans | 44.4052% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.3722% | 498 |
| Noncurrent loans to loans | 2.1737% | 461 |
| Net loans and leases to total assets | 62.5188% | 2,233 |
| Net loans and leases to deposits | 85.6381% | 982 |
| Net loans and leases to core deposits | 92.0385% | 1,112 |
| Total domestic deposits to total assets | 73.0035% | 4,700 |
| Equity capital to assets | 26.6829% | 78 |
| Core capital (leverage) ratio | 26.9870% | 78 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.7375% | 78 |
| Memoranda: | ||
| Average total assets | $61,369,000 | 4,543 |
| Average earning assets | $53,093,500 | 4,578 |
| Average equity | $16,526,000 | 3,555 |
| Average total loans | $40,421,000 | 4,294 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 3,231 |
| Cost of funding earning assets | 1.2002% | 276 |
| Net interest margin | 2.6257% | 4,464 |
| Noninterest income to average assets | 0.0065% | 4,947 |
| Noninterest expense to average assets | 2.2773% | 3,472 |
| Loan and lease loss provision to assets | 0.0278% | 4,052 |
| Net operating income to assets | 0.1105% | 4,657 |
| Return on assets (ROA) | 0.1454% | 4,676 |
| Pretax return on assets | 0.2009% | 4,648 |
| Return on Equity (ROE) | 0.5398% | 4,726 |
| Retained earnings to average equity (ytd only) | 0.5398% | 4,361 |
| Net charge-offs to loans | -0.0023% | 4,000 |
| Credit loss provision to net charge-offs | -1,700.0000% | 4,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5017% | 301 |
| Assets per employee ($millions) | 10.1445% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 4,056 |
| Loan loss allowance to noncurrent loans | 51.0996% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.2700% | 643 |
| Noncurrent loans to loans | 1.8500% | 658 |
| Net loans and leases to total assets | 67.9991% | 1,826 |
| Net loans and leases to deposits | 93.7421% | 672 |
| Net loans and leases to core deposits | 100.9045% | 864 |
| Total domestic deposits to total assets | 72.5385% | 4,691 |
| Equity capital to assets | 27.1789% | 79 |
| Core capital (leverage) ratio | 27.0638% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.7591% | 80 |
| Memoranda: | ||
| Average total assets | $61,213,000 | 4,498 |
| Average earning assets | $57,241,200 | 4,479 |
| Average equity | $16,487,200 | 3,506 |
| Average total loans | $43,730,600 | 4,233 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 3,519 |
| Cost of funding earning assets | 1.2051% | 364 |
| Net interest margin | 2.6092% | 4,563 |
| Noninterest income to average assets | -0.0152% | 5,006 |
| Noninterest expense to average assets | 2.2577% | 3,538 |
| Loan and lease loss provision to assets | 0.1811% | 2,172 |
| Net operating income to assets | 0.0170% | 4,759 |
| Return on assets (ROA) | 0.0566% | 4,759 |
| Pretax return on assets | 0.0783% | 4,745 |
| Return on Equity (ROE) | 0.2104% | 4,777 |
| Retained earnings to average equity (ytd only) | 0.2104% | 4,446 |
| Net charge-offs to loans | -0.0030% | 3,948 |
| Credit loss provision to net charge-offs | -8,300.0000% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5344% | 329 |
| Assets per employee ($millions) | 10.2623% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,660 |
| Loan loss allowance to noncurrent loans | 128.0556% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 1,974 |
| Noncurrent loans to loans | 0.7894% | 1,845 |
| Net loans and leases to total assets | 73.3199% | 1,454 |
| Net loans and leases to deposits | 100.3200% | 523 |
| Net loans and leases to core deposits | 108.7751% | 743 |
| Total domestic deposits to total assets | 73.0860% | 4,631 |
| Equity capital to assets | 26.7629% | 79 |
| Core capital (leverage) ratio | 26.7629% | 78 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.2301% | 88 |
| Memoranda: | ||
| Average total assets | $61,299,500 | 4,514 |
| Average earning assets | $58,305,500 | 4,479 |
| Average equity | $16,473,250 | 3,508 |
| Average total loans | $44,217,250 | 4,246 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8998% | 3,615 |
| Cost of funding earning assets | 1.2369% | 453 |
| Net interest margin | 2.6629% | 4,596 |
| Noninterest income to average assets | -0.0425% | 5,036 |
| Noninterest expense to average assets | 2.2219% | 3,714 |
| Loan and lease loss provision to assets | 0.2189% | 1,906 |
| Net operating income to assets | 0.0297% | 4,752 |
| Return on assets (ROA) | 0.1046% | 4,712 |
| Pretax return on assets | 0.1438% | 4,688 |
| Return on Equity (ROE) | 0.3886% | 4,760 |
| Retained earnings to average equity (ytd only) | 0.3886% | 4,233 |
| Net charge-offs to loans | -0.0046% | 3,994 |
| Credit loss provision to net charge-offs | -6,700.0000% | 4,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2388% | 410 |
| Assets per employee ($millions) | 10.3347% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 3,360 |
| Loan loss allowance to noncurrent loans | 135.2584% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.5306% | 2,236 |
| Noncurrent loans to loans | 0.7703% | 1,962 |
| Net loans and leases to total assets | 68.1654% | 2,321 |
| Net loans and leases to deposits | 93.0091% | 1,051 |
| Net loans and leases to core deposits | 101.3718% | 1,157 |
| Total domestic deposits to total assets | 73.2889% | 4,637 |
| Equity capital to assets | 26.5885% | 83 |
| Core capital (leverage) ratio | 26.8484% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.5847% | 71 |
| Memoranda: | ||
| Average total assets | $61,208,000 | 4,526 |
| Average earning assets | $58,208,000 | 4,489 |
| Average equity | $16,471,333 | 3,510 |
| Average total loans | $43,754,000 | 4,274 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9780% | 3,852 |
| Cost of funding earning assets | 1.2666% | 624 |
| Net interest margin | 2.7113% | 4,661 |
| Noninterest income to average assets | 0.0197% | 5,021 |
| Noninterest expense to average assets | 2.3155% | 3,742 |
| Loan and lease loss provision to assets | 0.0789% | 2,727 |
| Net operating income to assets | 0.1693% | 4,575 |
| Return on assets (ROA) | 0.1381% | 4,617 |
| Pretax return on assets | 0.1908% | 4,576 |
| Return on Equity (ROE) | 0.5102% | 4,692 |
| Retained earnings to average equity (ytd only) | 0.5102% | 3,874 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2206% | 576 |
| Assets per employee ($millions) | 10.1687% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 4,183 |
| Loan loss allowance to noncurrent loans | 598.4615% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 3,137 |
| Noncurrent loans to loans | 0.1472% | 3,932 |
| Net loans and leases to total assets | 71.7367% | 1,961 |
| Net loans and leases to deposits | 98.6922% | 643 |
| Net loans and leases to core deposits | 107.1222% | 990 |
| Total domestic deposits to total assets | 72.6873% | 4,745 |
| Equity capital to assets | 27.0094% | 91 |
| Core capital (leverage) ratio | 27.1811% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.9609% | 80 |
| Memoranda: | ||
| Average total assets | $60,808,000 | 4,545 |
| Average earning assets | $58,422,000 | 4,508 |
| Average equity | $16,463,500 | 3,514 |
| Average total loans | $44,274,500 | 4,272 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 3,193 |
| Cost of funding earning assets | 1.1605% | 1,126 |
| Net interest margin | 3.2581% | 4,066 |
| Noninterest income to average assets | 0.1574% | 4,703 |
| Noninterest expense to average assets | 2.3129% | 3,916 |
| Loan and lease loss provision to assets | 0.0251% | 3,513 |
| Net operating income to assets | 0.6867% | 3,906 |
| Return on assets (ROA) | 0.6867% | 3,973 |
| Pretax return on assets | 0.9463% | 3,615 |
| Return on Equity (ROE) | 2.5287% | 4,737 |
| Retained earnings to average equity (ytd only) | 2.5287% | 3,762 |
| Net charge-offs to loans | 0.0730% | 2,053 |
| Credit loss provision to net charge-offs | 42.8571% | 3,178 |
| Earnings coverage of net charge-offs (x) | 16.5714% | 2,159 |
| Efficiency ratio | 70.4233% | 2,108 |
| Assets per employee ($millions) | 10.1048% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 4,155 |
| Loan loss allowance to noncurrent loans | 571.2121% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 3,069 |
| Noncurrent loans to loans | 0.1487% | 3,931 |
| Net loans and leases to total assets | 72.5973% | 1,995 |
| Net loans and leases to deposits | 100.0409% | 604 |
| Net loans and leases to core deposits | 108.6334% | 933 |
| Total domestic deposits to total assets | 72.5676% | 4,850 |
| Equity capital to assets | 27.1289% | 99 |
| Core capital (leverage) ratio | 26.9408% | 104 |
| Tier 1 risk-based capital ratio | 46.2230% | 166 |
| Total risk-based capital ratio | 47.2829% | 166 |
| Memoranda: | ||
| Average total assets | $59,708,400 | 4,598 |
| Average earning assets | $57,303,200 | 4,571 |
| Average equity | $16,214,000 | 3,524 |
| Average total loans | $47,974,400 | 4,221 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 3,156 |
| Cost of funding earning assets | 1.1161% | 1,286 |
| Net interest margin | 3.3530% | 3,979 |
| Noninterest income to average assets | 0.0426% | 5,127 |
| Noninterest expense to average assets | 2.3022% | 3,942 |
| Loan and lease loss provision to assets | 0.0717% | 2,445 |
| Net operating income to assets | 0.6434% | 4,170 |
| Return on assets (ROA) | 0.6434% | 4,224 |
| Pretax return on assets | 0.8877% | 3,920 |
| Return on Equity (ROE) | 2.3686% | 4,863 |
| Retained earnings to average equity (ytd only) | 2.3686% | 4,150 |
| Net charge-offs to loans | 0.0955% | 1,519 |
| Credit loss provision to net charge-offs | 91.4286% | 2,379 |
| Earnings coverage of net charge-offs (x) | 12.2273% | 2,373 |
| Efficiency ratio | 70.5842% | 2,040 |
| Assets per employee ($millions) | 10.1745% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 4,272 |
| Loan loss allowance to noncurrent loans | 588.0597% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 3,190 |
| Noncurrent loans to loans | 0.1430% | 4,030 |
| Net loans and leases to total assets | 76.1250% | 1,455 |
| Net loans and leases to deposits | 104.3306% | 395 |
| Net loans and leases to core deposits | 111.1558% | 889 |
| Total domestic deposits to total assets | 72.9651% | 4,868 |
| Equity capital to assets | 26.7679% | 105 |
| Core capital (leverage) ratio | 26.7383% | 104 |
| Tier 1 risk-based capital ratio | 43.8627% | 188 |
| Total risk-based capital ratio | 44.9217% | 187 |
| Memoranda: | ||
| Average total assets | $59,478,250 | 4,667 |
| Average earning assets | $57,101,500 | 4,632 |
| Average equity | $16,155,500 | 3,560 |
| Average total loans | $48,870,000 | 4,259 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4923% | 3,039 |
| Cost of funding earning assets | 1.0380% | 1,543 |
| Net interest margin | 3.4542% | 3,733 |
| Noninterest income to average assets | 0.0373% | 5,188 |
| Noninterest expense to average assets | 2.3272% | 3,937 |
| Loan and lease loss provision to assets | 0.0916% | 2,021 |
| Net operating income to assets | 0.6717% | 4,094 |
| Return on assets (ROA) | 0.6717% | 4,143 |
| Pretax return on assets | 0.9261% | 3,771 |
| Return on Equity (ROE) | 2.4606% | 4,881 |
| Retained earnings to average equity (ytd only) | 2.4606% | 3,958 |
| Net charge-offs to loans | 0.1211% | 1,223 |
| Credit loss provision to net charge-offs | 90.0000% | 2,132 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,300 |
| Efficiency ratio | 69.5740% | 2,297 |
| Assets per employee ($millions) | 10.1368% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8151% | 4,390 |
| Loan loss allowance to noncurrent loans | 78.6427% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.0506% | 1,305 |
| Noncurrent loans to loans | 1.0365% | 1,579 |
| Net loans and leases to total assets | 78.8280% | 1,069 |
| Net loans and leases to deposits | 107.6837% | 283 |
| Net loans and leases to core deposits | 114.7864% | 739 |
| Total domestic deposits to total assets | 73.2033% | 4,888 |
| Equity capital to assets | 26.6750% | 106 |
| Core capital (leverage) ratio | 27.2479% | 96 |
| Tier 1 risk-based capital ratio | 42.9380% | 197 |
| Total risk-based capital ratio | 43.9803% | 195 |
| Memoranda: | ||
| Average total assets | $58,955,330 | 4,707 |
| Average earning assets | $56,452,330 | 4,679 |
| Average equity | $16,093,670 | 3,562 |
| Average total loans | $49,538,000 | 4,265 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5889% | 2,569 |
| Cost of funding earning assets | 0.9642% | 1,725 |
| Net interest margin | 3.6247% | 3,158 |
| Noninterest income to average assets | -0.0069% | 5,325 |
| Noninterest expense to average assets | 2.3646% | 3,863 |
| Loan and lease loss provision to assets | 0.1448% | 1,178 |
| Net operating income to assets | 0.6756% | 4,016 |
| Return on assets (ROA) | 0.6756% | 4,053 |
| Pretax return on assets | 0.9307% | 3,661 |
| Return on Equity (ROE) | 2.4456% | 4,901 |
| Retained earnings to average equity (ytd only) | 2.4456% | 3,941 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7375% | 2,532 |
| Assets per employee ($millions) | 10.1303% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 4,396 |
| Loan loss allowance to noncurrent loans | 77.9851% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.1089% | 1,249 |
| Noncurrent loans to loans | 1.0734% | 1,554 |
| Net loans and leases to total assets | 81.4649% | 648 |
| Net loans and leases to deposits | 125.5922% | 56 |
| Net loans and leases to core deposits | 133.6356% | 260 |
| Total domestic deposits to total assets | 64.8646% | 5,220 |
| Equity capital to assets | 26.4898% | 98 |
| Core capital (leverage) ratio | 28.8933% | 77 |
| Tier 1 risk-based capital ratio | 42.3237% | 200 |
| Total risk-based capital ratio | 43.4205% | 195 |
| Memoranda: | ||
| Average total assets | $58,022,500 | 4,776 |
| Average earning assets | $55,176,500 | 4,748 |
| Average equity | $16,028,500 | 3,581 |
| Average total loans | $50,138,000 | 4,295 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 2,316 |
| Cost of funding earning assets | 0.8181% | 1,445 |
| Net interest margin | 3.7269% | 2,941 |
| Noninterest income to average assets | -0.0436% | 5,365 |
| Noninterest expense to average assets | 2.6041% | 3,321 |
| Loan and lease loss provision to assets | 0.2069% | 908 |
| Net operating income to assets | 0.5081% | 4,647 |
| Return on assets (ROA) | 0.5081% | 4,648 |
| Pretax return on assets | 0.7005% | 4,414 |
| Return on Equity (ROE) | 1.7744% | 5,076 |
| Retained earnings to average equity (ytd only) | 1.7744% | 4,438 |
| Net charge-offs to loans | 0.2393% | 815 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 4.3860% | 3,303 |
| Efficiency ratio | 74.1602% | 1,606 |
| Assets per employee ($millions) | 9.1912% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7886% | 4,572 |
| Loan loss allowance to noncurrent loans | 73.6549% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.2276% | 1,054 |
| Noncurrent loans to loans | 1.0707% | 1,523 |
| Net loans and leases to total assets | 90.5670% | 55 |
| Net loans and leases to deposits | 138.4669% | 23 |
| Net loans and leases to core deposits | 153.4409% | 120 |
| Total domestic deposits to total assets | 65.4070% | 5,253 |
| Equity capital to assets | 28.8828% | 74 |
| Core capital (leverage) ratio | 28.5875% | 77 |
| Tier 1 risk-based capital ratio | 43.2254% | 190 |
| Total risk-based capital ratio | 44.2979% | 191 |
| Memoranda: | ||
| Average total assets | $55,104,800 | 4,855 |
| Average earning assets | $52,563,800 | 4,805 |
| Average equity | $15,780,200 | 3,535 |
| Average total loans | $47,636,800 | 4,361 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 2,419 |
| Cost of funding earning assets | 0.7843% | 1,411 |
| Net interest margin | 3.6796% | 3,090 |
| Noninterest income to average assets | 0.0145% | 5,402 |
| Noninterest expense to average assets | 2.5677% | 3,390 |
| Loan and lease loss provision to assets | 0.2299% | 706 |
| Net operating income to assets | 0.5179% | 4,722 |
| Return on assets (ROA) | 0.5179% | 4,723 |
| Pretax return on assets | 0.7139% | 4,501 |
| Return on Equity (ROE) | 1.8124% | 5,153 |
| Retained earnings to average equity (ytd only) | 1.8124% | 4,635 |
| Net charge-offs to loans | 0.3152% | 531 |
| Credit loss provision to net charge-offs | 85.5856% | 2,463 |
| Earnings coverage of net charge-offs (x) | 3.5134% | 3,156 |
| Efficiency ratio | 73.1220% | 1,716 |
| Assets per employee ($millions) | 9.2633% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7750% | 4,701 |
| Loan loss allowance to noncurrent loans | 64.6859% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.3710% | 979 |
| Noncurrent loans to loans | 1.1981% | 1,411 |
| Net loans and leases to total assets | 87.7672% | 150 |
| Net loans and leases to deposits | 133.3762% | 34 |
| Net loans and leases to core deposits | 145.5324% | 170 |
| Total domestic deposits to total assets | 65.8042% | 5,324 |
| Equity capital to assets | 28.5103% | 74 |
| Core capital (leverage) ratio | 28.8271% | 73 |
| Tier 1 risk-based capital ratio | 43.8262% | 179 |
| Total risk-based capital ratio | 44.8742% | 180 |
| Memoranda: | ||
| Average total assets | $55,094,250 | 4,908 |
| Average earning assets | $52,359,250 | 4,866 |
| Average equity | $15,743,250 | 3,563 |
| Average total loans | $46,960,500 | 4,419 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 2,243 |
| Cost of funding earning assets | 0.7571% | 1,338 |
| Net interest margin | 3.6972% | 2,934 |
| Noninterest income to average assets | 0.0801% | 5,324 |
| Noninterest expense to average assets | 2.5886% | 3,361 |
| Loan and lease loss provision to assets | 0.2002% | 856 |
| Net operating income to assets | 0.5753% | 4,581 |
| Return on assets (ROA) | 0.5753% | 4,573 |
| Pretax return on assets | 0.7937% | 4,262 |
| Return on Equity (ROE) | 2.0116% | 5,172 |
| Retained earnings to average equity (ytd only) | 2.0116% | 4,452 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2561% | 1,960 |
| Assets per employee ($millions) | 9.2832% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 4,003 |
| Loan loss allowance to noncurrent loans | 70.5148% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.4650% | 912 |
| Noncurrent loans to loans | 1.3771% | 1,237 |
| Net loans and leases to total assets | 82.7591% | 615 |
| Net loans and leases to deposits | 125.2507% | 69 |
| Net loans and leases to core deposits | 135.5406% | 247 |
| Total domestic deposits to total assets | 66.0748% | 5,387 |
| Equity capital to assets | 28.3416% | 78 |
| Core capital (leverage) ratio | 28.3972% | 78 |
| Tier 1 risk-based capital ratio | 43.3375% | 191 |
| Total risk-based capital ratio | 44.5712% | 189 |
| Memoranda: | ||
| Average total assets | $54,932,330 | 4,964 |
| Average earning assets | $52,039,670 | 4,929 |
| Average equity | $15,709,000 | 3,587 |
| Average total loans | $46,226,670 | 4,482 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 2,093 |
| Cost of funding earning assets | 0.7241% | 1,322 |
| Net interest margin | 3.7059% | 2,775 |
| Noninterest income to average assets | 0.0440% | 5,484 |
| Noninterest expense to average assets | 2.6985% | 3,049 |
| Loan and lease loss provision to assets | 0.4180% | 263 |
| Net operating income to assets | 0.3080% | 5,080 |
| Return on assets (ROA) | 0.3080% | 5,087 |
| Pretax return on assets | 0.4180% | 5,009 |
| Return on Equity (ROE) | 1.0721% | 5,301 |
| Retained earnings to average equity (ytd only) | 1.0721% | 4,612 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3485% | 1,552 |
| Assets per employee ($millions) | 9.3242% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 4,268 |
| Loan loss allowance to noncurrent loans | 66.0844% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.5408% | 888 |
| Noncurrent loans to loans | 1.4191% | 1,251 |
| Net loans and leases to total assets | 85.7199% | 284 |
| Net loans and leases to deposits | 129.2510% | 38 |
| Net loans and leases to core deposits | 139.7401% | 216 |
| Total domestic deposits to total assets | 66.3205% | 5,456 |
| Equity capital to assets | 28.0222% | 75 |
| Core capital (leverage) ratio | 28.9985% | 72 |
| Tier 1 risk-based capital ratio | 42.0562% | 203 |
| Total risk-based capital ratio | 43.2677% | 202 |
| Memoranda: | ||
| Average total assets | $54,549,000 | 5,029 |
| Average earning assets | $51,377,500 | 5,001 |
| Average equity | $15,670,500 | 3,629 |
| Average total loans | $46,066,000 | 4,538 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 2,717 |
| Cost of funding earning assets | 0.6998% | 1,019 |
| Net interest margin | 3.4912% | 3,559 |
| Noninterest income to average assets | 0.0961% | 5,423 |
| Noninterest expense to average assets | 2.4652% | 3,896 |
| Loan and lease loss provision to assets | -0.0435% | 5,384 |
| Net operating income to assets | 0.5750% | 4,118 |
| Return on assets (ROA) | 0.5750% | 4,153 |
| Pretax return on assets | 0.9505% | 3,732 |
| Return on Equity (ROE) | 2.0923% | 5,043 |
| Retained earnings to average equity (ytd only) | 2.0923% | 4,067 |
| Net charge-offs to loans | 0.0047% | 3,920 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,098 |
| Earnings coverage of net charge-offs (x) | 250.0000% | 335 |
| Efficiency ratio | 73.1038% | 2,044 |
| Assets per employee ($millions) | 8.7977% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 4,438 |
| Loan loss allowance to noncurrent loans | 96.3592% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.1158% | 1,347 |
| Noncurrent loans to loans | 0.9423% | 1,891 |
| Net loans and leases to total assets | 82.0767% | 674 |
| Net loans and leases to deposits | 115.8980% | 153 |
| Net loans and leases to core deposits | 126.3046% | 427 |
| Total domestic deposits to total assets | 70.8180% | 5,376 |
| Equity capital to assets | 28.9793% | 70 |
| Core capital (leverage) ratio | 28.4924% | 73 |
| Tier 1 risk-based capital ratio | 45.2461% | 156 |
| Total risk-based capital ratio | 46.4162% | 153 |
| Memoranda: | ||
| Average total assets | $55,127,200 | 5,060 |
| Average earning assets | $51,730,600 | 5,035 |
| Average equity | $15,150,600 | 3,705 |
| Average total loans | $42,933,400 | 4,646 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1683% | 2,720 |
| Cost of funding earning assets | 0.6994% | 969 |
| Net interest margin | 3.4689% | 3,603 |
| Noninterest income to average assets | 0.1125% | 5,435 |
| Noninterest expense to average assets | 2.3716% | 4,089 |
| Loan and lease loss provision to assets | -0.0167% | 5,475 |
| Net operating income to assets | 0.6103% | 4,352 |
| Return on assets (ROA) | 0.6103% | 4,394 |
| Pretax return on assets | 1.0099% | 3,649 |
| Return on Equity (ROE) | 2.2495% | 5,268 |
| Retained earnings to average equity (ytd only) | 2.2495% | 4,516 |
| Net charge-offs to loans | 0.0062% | 3,511 |
| Credit loss provision to net charge-offs | -350.0000% | 4,727 |
| Earnings coverage of net charge-offs (x) | 207.2360% | 417 |
| Efficiency ratio | 70.4836% | 2,461 |
| Assets per employee ($millions) | 9.0252% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 4,310 |
| Loan loss allowance to noncurrent loans | 78.3019% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.3056% | 1,229 |
| Noncurrent loans to loans | 1.2165% | 1,561 |
| Net loans and leases to total assets | 79.6920% | 1,032 |
| Net loans and leases to deposits | 111.3106% | 240 |
| Net loans and leases to core deposits | 121.8764% | 521 |
| Total domestic deposits to total assets | 71.5942% | 5,403 |
| Equity capital to assets | 28.1546% | 72 |
| Core capital (leverage) ratio | 27.7153% | 75 |
| Tier 1 risk-based capital ratio | 44.7822% | 168 |
| Total risk-based capital ratio | 45.9977% | 165 |
| Memoranda: | ||
| Average total assets | $55,712,500 | 5,107 |
| Average earning assets | $52,234,500 | 5,083 |
| Average equity | $15,114,000 | 3,740 |
| Average total loans | $42,736,250 | 4,695 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 2,808 |
| Cost of funding earning assets | 0.6945% | 918 |
| Net interest margin | 3.4119% | 3,734 |
| Noninterest income to average assets | 0.1458% | 5,332 |
| Noninterest expense to average assets | 2.3296% | 4,262 |
| Loan and lease loss provision to assets | 0.0036% | 3,830 |
| Net operating income to assets | 0.6117% | 4,253 |
| Return on assets (ROA) | 0.6117% | 4,295 |
| Pretax return on assets | 1.0101% | 3,527 |
| Return on Equity (ROE) | 2.2827% | 5,289 |
| Retained earnings to average equity (ytd only) | 2.2827% | 4,315 |
| Net charge-offs to loans | 0.0094% | 3,129 |
| Credit loss provision to net charge-offs | 50.0000% | 2,561 |
| Earnings coverage of net charge-offs (x) | 142.5000% | 521 |
| Efficiency ratio | 69.6809% | 2,727 |
| Assets per employee ($millions) | 9.3300% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 4,364 |
| Loan loss allowance to noncurrent loans | 96.7816% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.0932% | 1,599 |
| Noncurrent loans to loans | 0.9927% | 1,981 |
| Net loans and leases to total assets | 77.5223% | 1,311 |
| Net loans and leases to deposits | 106.3730% | 385 |
| Net loans and leases to core deposits | 115.9572% | 717 |
| Total domestic deposits to total assets | 72.8778% | 5,397 |
| Equity capital to assets | 27.0740% | 73 |
| Core capital (leverage) ratio | 27.1855% | 73 |
| Tier 1 risk-based capital ratio | 43.7523% | 171 |
| Total risk-based capital ratio | 44.9636% | 168 |
| Memoranda: | ||
| Average total assets | $56,233,000 | 5,129 |
| Average earning assets | $52,697,330 | 5,107 |
| Average equity | $15,070,000 | 3,751 |
| Average total loans | $42,458,670 | 4,732 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 2,819 |
| Cost of funding earning assets | 0.7014% | 837 |
| Net interest margin | 3.3547% | 3,824 |
| Noninterest income to average assets | 0.2555% | 4,706 |
| Noninterest expense to average assets | 2.2286% | 4,575 |
| Loan and lease loss provision to assets | 0.0852% | 2,115 |
| Net operating income to assets | 0.6459% | 3,947 |
| Return on assets (ROA) | 0.6459% | 3,985 |
| Pretax return on assets | 1.0646% | 3,116 |
| Return on Equity (ROE) | 2.4223% | 5,254 |
| Retained earnings to average equity (ytd only) | 2.4223% | 4,178 |
| Net charge-offs to loans | 0.0191% | 2,409 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 649 |
| Efficiency ratio | 65.9664% | 3,502 |
| Assets per employee ($millions) | 9.3302% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 4,177 |
| Loan loss allowance to noncurrent loans | 98.4055% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.1004% | 1,618 |
| Noncurrent loans to loans | 1.0341% | 1,989 |
| Net loans and leases to total assets | 75.0612% | 1,567 |
| Net loans and leases to deposits | 102.8440% | 453 |
| Net loans and leases to core deposits | 112.1251% | 766 |
| Total domestic deposits to total assets | 72.9855% | 5,490 |
| Equity capital to assets | 26.9198% | 81 |
| Core capital (leverage) ratio | 26.9069% | 79 |
| Tier 1 risk-based capital ratio | 43.6172% | 182 |
| Total risk-based capital ratio | 44.8629% | 180 |
| Memoranda: | ||
| Average total assets | $56,359,500 | 5,185 |
| Average earning assets | $52,463,000 | 5,169 |
| Average equity | $15,027,000 | 3,777 |
| Average total loans | $41,779,000 | 4,795 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 2,507 |
| Cost of funding earning assets | 0.7252% | 721 |
| Net interest margin | 3.4693% | 3,547 |
| Noninterest income to average assets | 0.0497% | 5,773 |
| Noninterest expense to average assets | 2.2641% | 4,624 |
| Loan and lease loss provision to assets | 0.0531% | 3,323 |
| Net operating income to assets | 0.5069% | 4,605 |
| Return on assets (ROA) | 0.5069% | 4,679 |
| Pretax return on assets | 0.8375% | 4,055 |
| Return on Equity (ROE) | 1.9875% | 5,410 |
| Retained earnings to average equity (ytd only) | 1.9875% | 4,414 |
| Net charge-offs to loans | 0.1142% | 2,118 |
| Credit loss provision to net charge-offs | 63.2653% | 3,200 |
| Earnings coverage of net charge-offs (x) | 10.6122% | 2,626 |
| Efficiency ratio | 71.7698% | 2,626 |
| Assets per employee ($millions) | 9.4522% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 4,153 |
| Loan loss allowance to noncurrent loans | 77.2894% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.5270% | 1,076 |
| Noncurrent loans to loans | 1.3283% | 1,550 |
| Net loans and leases to total assets | 71.7366% | 2,200 |
| Net loans and leases to deposits | 97.6010% | 857 |
| Net loans and leases to core deposits | 106.2495% | 1,115 |
| Total domestic deposits to total assets | 73.4999% | 5,474 |
| Equity capital to assets | 26.4525% | 85 |
| Core capital (leverage) ratio | 26.2033% | 87 |
| Tier 1 risk-based capital ratio | 43.7804% | 180 |
| Total risk-based capital ratio | 45.0077% | 180 |
| Memoranda: | ||
| Average total assets | $58,390,800 | 5,179 |
| Average earning assets | $52,259,000 | 5,204 |
| Average equity | $14,893,400 | 3,822 |
| Average total loans | $42,898,800 | 4,786 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 2,337 |
| Cost of funding earning assets | 0.7278% | 704 |
| Net interest margin | 3.5214% | 3,385 |
| Noninterest income to average assets | 0.0204% | 5,898 |
| Noninterest expense to average assets | 2.2717% | 4,599 |
| Loan and lease loss provision to assets | 0.0930% | 2,364 |
| Net operating income to assets | 0.4738% | 4,789 |
| Return on assets (ROA) | 0.4738% | 4,869 |
| Pretax return on assets | 0.7822% | 4,357 |
| Return on Equity (ROE) | 1.8744% | 5,494 |
| Retained earnings to average equity (ytd only) | 1.8744% | 4,743 |
| Net charge-offs to loans | 0.1507% | 1,489 |
| Credit loss provision to net charge-offs | 83.6735% | 2,619 |
| Earnings coverage of net charge-offs (x) | 7.8777% | 2,831 |
| Efficiency ratio | 72.1902% | 2,552 |
| Assets per employee ($millions) | 9.6793% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 4,117 |
| Loan loss allowance to noncurrent loans | 128.5714% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.1296% | 1,789 |
| Noncurrent loans to loans | 0.8173% | 2,626 |
| Net loans and leases to total assets | 70.0444% | 2,480 |
| Net loans and leases to deposits | 94.5056% | 1,208 |
| Net loans and leases to core deposits | 101.3731% | 1,528 |
| Total domestic deposits to total assets | 74.1167% | 5,422 |
| Equity capital to assets | 25.7318% | 95 |
| Core capital (leverage) ratio | 25.6298% | 91 |
| Tier 1 risk-based capital ratio | 43.0982% | 192 |
| Total risk-based capital ratio | 44.3424% | 192 |
| Memoranda: | ||
| Average total assets | $58,810,250 | 5,208 |
| Average earning assets | $52,212,750 | 5,250 |
| Average equity | $14,866,250 | 3,857 |
| Average total loans | $43,347,000 | 4,808 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 1,967 |
| Cost of funding earning assets | 0.7234% | 708 |
| Net interest margin | 3.6321% | 2,971 |
| Noninterest income to average assets | 0.0305% | 5,952 |
| Noninterest expense to average assets | 2.1946% | 4,856 |
| Loan and lease loss provision to assets | 0.1253% | 1,820 |
| Net operating income to assets | 0.5791% | 4,356 |
| Return on assets (ROA) | 0.5791% | 4,481 |
| Pretax return on assets | 0.9584% | 3,749 |
| Return on Equity (ROE) | 2.3045% | 5,434 |
| Retained earnings to average equity (ytd only) | 2.3045% | 4,405 |
| Net charge-offs to loans | 0.1950% | 1,173 |
| Credit loss provision to net charge-offs | 86.0465% | 2,294 |
| Earnings coverage of net charge-offs (x) | 7.4419% | 2,631 |
| Efficiency ratio | 66.9421% | 3,548 |
| Assets per employee ($millions) | 8.4371% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 4,397 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.2868% | 1,576 |
| Noncurrent loans to loans | 1.7024% | 1,246 |
| Net loans and leases to total assets | 71.3698% | 2,270 |
| Net loans and leases to deposits | 95.6087% | 1,115 |
| Net loans and leases to core deposits | 101.5442% | 1,508 |
| Total domestic deposits to total assets | 74.6478% | 5,454 |
| Equity capital to assets | 25.2489% | 98 |
| Core capital (leverage) ratio | 25.3283% | 89 |
| Tier 1 risk-based capital ratio | 41.6158% | 210 |
| Total risk-based capital ratio | 42.8285% | 209 |
| Memoranda: | ||
| Average total assets | $59,055,000 | 5,260 |
| Average earning assets | $52,806,670 | 5,292 |
| Average equity | $14,840,330 | 3,883 |
| Average total loans | $44,092,330 | 4,828 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 1,755 |
| Cost of funding earning assets | 0.7275% | 703 |
| Net interest margin | 3.6900% | 2,710 |
| Noninterest income to average assets | 0.0474% | 5,976 |
| Noninterest expense to average assets | 2.1879% | 4,930 |
| Loan and lease loss provision to assets | -0.0271% | 5,922 |
| Net operating income to assets | 0.7383% | 3,545 |
| Return on assets (ROA) | 0.7383% | 3,653 |
| Pretax return on assets | 1.2193% | 2,621 |
| Return on Equity (ROE) | 2.9451% | 5,262 |
| Retained earnings to average equity (ytd only) | 2.9451% | 4,042 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7295% | 4,013 |
| Assets per employee ($millions) | 8.3620% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 4,683 |
| Loan loss allowance to noncurrent loans | 89.9177% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 2,458 |
| Noncurrent loans to loans | 1.0976% | 2,203 |
| Net loans and leases to total assets | 74.8983% | 1,570 |
| Net loans and leases to deposits | 100.5458% | 589 |
| Net loans and leases to core deposits | 106.8928% | 1,025 |
| Total domestic deposits to total assets | 74.4917% | 5,567 |
| Equity capital to assets | 25.3562% | 90 |
| Core capital (leverage) ratio | 25.2069% | 91 |
| Tier 1 risk-based capital ratio | 42.8489% | 202 |
| Total risk-based capital ratio | 44.0970% | 198 |
| Memoranda: | ||
| Average total assets | $59,052,500 | 5,308 |
| Average earning assets | $53,333,000 | 5,334 |
| Average equity | $14,804,500 | 3,893 |
| Average total loans | $44,845,500 | 4,836 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3864% | 1,948 |
| Cost of funding earning assets | 0.8124% | 460 |
| Net interest margin | 3.5740% | 3,232 |
| Noninterest income to average assets | 0.0161% | 6,076 |
| Noninterest expense to average assets | 2.0428% | 5,369 |
| Loan and lease loss provision to assets | -0.0484% | 5,742 |
| Net operating income to assets | 0.7640% | 3,506 |
| Return on assets (ROA) | 0.6546% | 4,112 |
| Pretax return on assets | 1.1206% | 2,956 |
| Return on Equity (ROE) | 2.7907% | 5,375 |
| Retained earnings to average equity (ytd only) | 2.7907% | 4,085 |
| Net charge-offs to loans | 0.0598% | 3,023 |
| Credit loss provision to net charge-offs | -103.4483% | 5,156 |
| Earnings coverage of net charge-offs (x) | 26.5862% | 1,580 |
| Efficiency ratio | 62.1688% | 4,578 |
| Assets per employee ($millions) | 11.9142% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 4,760 |
| Loan loss allowance to noncurrent loans | 79.6029% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 2,220 |
| Noncurrent loans to loans | 1.2199% | 1,932 |
| Net loans and leases to total assets | 75.4931% | 1,495 |
| Net loans and leases to deposits | 100.5680% | 640 |
| Net loans and leases to core deposits | 107.4266% | 1,006 |
| Total domestic deposits to total assets | 75.0667% | 5,547 |
| Equity capital to assets | 24.7889% | 96 |
| Core capital (leverage) ratio | 24.6773% | 94 |
| Tier 1 risk-based capital ratio | 41.8306% | 206 |
| Total risk-based capital ratio | 43.0772% | 201 |
| Memoranda: | ||
| Average total assets | $62,022,200 | 5,276 |
| Average earning assets | $56,743,000 | 5,274 |
| Average equity | $14,548,200 | 3,897 |
| Average total loans | $48,516,400 | 4,717 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 1,894 |
| Cost of funding earning assets | 0.8284% | 429 |
| Net interest margin | 3.5826% | 3,226 |
| Noninterest income to average assets | -0.0043% | 6,205 |
| Noninterest expense to average assets | 2.0052% | 5,470 |
| Loan and lease loss provision to assets | -0.0064% | 5,809 |
| Net operating income to assets | 0.7770% | 3,542 |
| Return on assets (ROA) | 0.7770% | 3,629 |
| Pretax return on assets | 1.2836% | 2,456 |
| Return on Equity (ROE) | 3.3577% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.3577% | 4,081 |
| Net charge-offs to loans | 0.0785% | 2,427 |
| Credit loss provision to net charge-offs | -10.3448% | 4,852 |
| Earnings coverage of net charge-offs (x) | 20.6874% | 1,860 |
| Efficiency ratio | 61.0895% | 4,715 |
| Assets per employee ($millions) | 10.0857% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 4,647 |
| Loan loss allowance to noncurrent loans | 73.8170% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.1121% | 2,133 |
| Noncurrent loans to loans | 1.3805% | 1,852 |
| Net loans and leases to total assets | 75.1215% | 1,524 |
| Net loans and leases to deposits | 99.3900% | 702 |
| Net loans and leases to core deposits | 105.1902% | 1,159 |
| Total domestic deposits to total assets | 75.5825% | 5,556 |
| Equity capital to assets | 24.2555% | 110 |
| Core capital (leverage) ratio | 23.9819% | 105 |
| Tier 1 risk-based capital ratio | 41.0601% | 234 |
| Total risk-based capital ratio | 42.3094% | 233 |
| Memoranda: | ||
| Average total assets | $62,635,000 | 5,323 |
| Average earning assets | $57,462,250 | 5,325 |
| Average equity | $14,493,500 | 3,947 |
| Average total loans | $49,292,250 | 4,744 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4082% | 1,828 |
| Cost of funding earning assets | 0.8351% | 417 |
| Net interest margin | 3.5731% | 3,195 |
| Noninterest income to average assets | -0.0253% | 6,281 |
| Noninterest expense to average assets | 1.9513% | 5,631 |
| Loan and lease loss provision to assets | 0.0568% | 2,962 |
| Net operating income to assets | 0.7167% | 3,810 |
| Return on assets (ROA) | 0.7167% | 3,929 |
| Pretax return on assets | 1.2630% | 2,495 |
| Return on Equity (ROE) | 3.1458% | 5,360 |
| Retained earnings to average equity (ytd only) | 3.1458% | 4,050 |
| Net charge-offs to loans | 0.1150% | 1,852 |
| Credit loss provision to net charge-offs | 62.0690% | 2,568 |
| Earnings coverage of net charge-offs (x) | 14.4138% | 2,059 |
| Efficiency ratio | 59.6525% | 5,027 |
| Assets per employee ($millions) | 10.4338% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 4,779 |
| Loan loss allowance to noncurrent loans | 141.3295% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 3,468 |
| Noncurrent loans to loans | 0.7201% | 3,325 |
| Net loans and leases to total assets | 75.9676% | 1,374 |
| Net loans and leases to deposits | 99.0193% | 719 |
| Net loans and leases to core deposits | 104.5231% | 1,158 |
| Total domestic deposits to total assets | 76.7200% | 5,492 |
| Equity capital to assets | 23.1842% | 123 |
| Core capital (leverage) ratio | 23.3564% | 112 |
| Tier 1 risk-based capital ratio | 39.9765% | 255 |
| Total risk-based capital ratio | 41.2262% | 256 |
| Memoranda: | ||
| Average total assets | $63,342,000 | 5,362 |
| Average earning assets | $58,436,330 | 5,353 |
| Average equity | $14,432,000 | 3,976 |
| Average total loans | $50,414,000 | 4,739 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 1,348 |
| Cost of funding earning assets | 0.8596% | 360 |
| Net interest margin | 3.6821% | 2,690 |
| Noninterest income to average assets | -0.0063% | 6,348 |
| Noninterest expense to average assets | 1.8270% | 5,861 |
| Loan and lease loss provision to assets | 0.0628% | 2,671 |
| Net operating income to assets | 0.8099% | 3,213 |
| Return on assets (ROA) | 0.8099% | 3,335 |
| Pretax return on assets | 1.5193% | 1,499 |
| Return on Equity (ROE) | 3.5856% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.5856% | 3,848 |
| Net charge-offs to loans | 0.0310% | 2,567 |
| Credit loss provision to net charge-offs | 250.0000% | 913 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 706 |
| Efficiency ratio | 53.5912% | 5,712 |
| Assets per employee ($millions) | 10.5238% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 5,016 |
| Loan loss allowance to noncurrent loans | 145.8213% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6715% | 3,473 |
| Noncurrent loans to loans | 0.6864% | 3,560 |
| Net loans and leases to total assets | 79.2582% | 770 |
| Net loans and leases to deposits | 103.1664% | 404 |
| Net loans and leases to core deposits | 109.4883% | 771 |
| Total domestic deposits to total assets | 76.8256% | 5,640 |
| Equity capital to assets | 22.9067% | 130 |
| Core capital (leverage) ratio | 22.7816% | 122 |
| Tier 1 risk-based capital ratio | 37.4629% | 296 |
| Total risk-based capital ratio | 38.7580% | 293 |
| Memoranda: | ||
| Average total assets | $63,711,500 | 5,404 |
| Average earning assets | $59,097,000 | 5,385 |
| Average equity | $14,391,000 | 4,015 |
| Average total loans | $51,597,500 | 4,749 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 2,351 |
| Cost of funding earning assets | 0.8443% | 527 |
| Net interest margin | 3.5195% | 3,720 |
| Noninterest income to average assets | 0.0283% | 6,344 |
| Noninterest expense to average assets | 1.9137% | 5,910 |
| Loan and lease loss provision to assets | 0.1726% | 1,505 |
| Net operating income to assets | 0.8705% | 3,014 |
| Return on assets (ROA) | 0.8705% | 3,106 |
| Pretax return on assets | 1.4033% | 1,874 |
| Return on Equity (ROE) | 4.1644% | 5,045 |
| Retained earnings to average equity (ytd only) | 4.1644% | 3,234 |
| Net charge-offs to loans | -0.0308% | 5,797 |
| Credit loss provision to net charge-offs | -682.3529% | 5,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8401% | 5,776 |
| Assets per employee ($millions) | 10.7250% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 5,032 |
| Loan loss allowance to noncurrent loans | 214.5749% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 4,548 |
| Noncurrent loans to loans | 0.4677% | 4,252 |
| Net loans and leases to total assets | 81.2370% | 602 |
| Net loans and leases to deposits | 104.7888% | 407 |
| Net loans and leases to core deposits | 111.8586% | 695 |
| Total domestic deposits to total assets | 77.5245% | 5,517 |
| Equity capital to assets | 22.3590% | 143 |
| Core capital (leverage) ratio | 22.4740% | 131 |
| Tier 1 risk-based capital ratio | 43.0570% | 199 |
| Total risk-based capital ratio | 44.3105% | 196 |
| Memoranda: | ||
| Average total assets | $67,199,000 | 5,362 |
| Average earning assets | $66,088,200 | 5,223 |
| Average equity | $14,047,800 | 4,013 |
| Average total loans | $55,120,200 | 4,646 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 2,255 |
| Cost of funding earning assets | 0.8451% | 553 |
| Net interest margin | 3.5441% | 3,651 |
| Noninterest income to average assets | 0.0275% | 6,429 |
| Noninterest expense to average assets | 1.9083% | 5,937 |
| Loan and lease loss provision to assets | 0.4123% | 405 |
| Net operating income to assets | 0.6557% | 4,190 |
| Return on assets (ROA) | 0.6557% | 4,290 |
| Pretax return on assets | 1.1898% | 2,819 |
| Return on Equity (ROE) | 3.1893% | 5,478 |
| Retained earnings to average equity (ytd only) | 3.1893% | 4,360 |
| Net charge-offs to loans | 0.1436% | 2,361 |
| Credit loss provision to net charge-offs | 350.0000% | 802 |
| Earnings coverage of net charge-offs (x) | 13.5996% | 2,212 |
| Efficiency ratio | 54.3624% | 5,792 |
| Assets per employee ($millions) | 9.4637% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 5,215 |
| Loan loss allowance to noncurrent loans | 152.3677% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 4,194 |
| Noncurrent loans to loans | 0.6570% | 3,972 |
| Net loans and leases to total assets | 81.6623% | 544 |
| Net loans and leases to deposits | 104.0386% | 404 |
| Net loans and leases to core deposits | 110.8157% | 713 |
| Total domestic deposits to total assets | 78.4923% | 5,434 |
| Equity capital to assets | 21.3402% | 179 |
| Core capital (leverage) ratio | 21.4504% | 159 |
| Tier 1 risk-based capital ratio | 41.1383% | 222 |
| Total risk-based capital ratio | 42.3919% | 221 |
| Memoranda: | ||
| Average total assets | $67,911,250 | 5,405 |
| Average earning assets | $66,737,500 | 5,268 |
| Average equity | $13,962,750 | 4,047 |
| Average total loans | $55,698,750 | 4,667 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 2,142 |
| Cost of funding earning assets | 0.8453% | 570 |
| Net interest margin | 3.5656% | 3,505 |
| Noninterest income to average assets | 0.0292% | 6,496 |
| Noninterest expense to average assets | 1.9280% | 5,954 |
| Loan and lease loss provision to assets | 0.5287% | 278 |
| Net operating income to assets | 0.5901% | 4,404 |
| Return on assets (ROA) | 0.5901% | 4,499 |
| Pretax return on assets | 1.0721% | 3,206 |
| Return on Equity (ROE) | 2.9055% | 5,561 |
| Retained earnings to average equity (ytd only) | 2.9055% | 4,356 |
| Net charge-offs to loans | 0.1713% | 2,023 |
| Credit loss provision to net charge-offs | 377.0833% | 728 |
| Earnings coverage of net charge-offs (x) | 11.4167% | 2,159 |
| Efficiency ratio | 54.6358% | 5,858 |
| Assets per employee ($millions) | 11.2620% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 5,565 |
| Loan loss allowance to noncurrent loans | 116.9978% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 3,847 |
| Noncurrent loans to loans | 0.8119% | 3,681 |
| Net loans and leases to total assets | 81.7824% | 482 |
| Net loans and leases to deposits | 103.3669% | 386 |
| Net loans and leases to core deposits | 109.9041% | 701 |
| Total domestic deposits to total assets | 79.1186% | 5,433 |
| Equity capital to assets | 20.7482% | 188 |
| Core capital (leverage) ratio | 20.8341% | 172 |
| Tier 1 risk-based capital ratio | 39.8179% | 246 |
| Total risk-based capital ratio | 41.0708% | 241 |
| Memoranda: | ||
| Average total assets | $68,466,330 | 5,440 |
| Average earning assets | $67,197,330 | 5,292 |
| Average equity | $13,904,670 | 4,062 |
| Average total loans | $56,050,000 | 4,691 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3819% | 2,211 |
| Cost of funding earning assets | 0.8479% | 588 |
| Net interest margin | 3.5339% | 3,554 |
| Noninterest income to average assets | 0.0232% | 6,558 |
| Noninterest expense to average assets | 1.9735% | 5,937 |
| Loan and lease loss provision to assets | 0.4876% | 312 |
| Net operating income to assets | 0.5630% | 4,397 |
| Return on assets (ROA) | 0.5630% | 4,473 |
| Pretax return on assets | 1.0216% | 3,246 |
| Return on Equity (ROE) | 2.8021% | 5,529 |
| Retained earnings to average equity (ytd only) | 2.8021% | 4,411 |
| Net charge-offs to loans | 0.2207% | 1,440 |
| Credit loss provision to net charge-offs | 270.9677% | 852 |
| Earnings coverage of net charge-offs (x) | 8.3871% | 2,030 |
| Efficiency ratio | 56.6667% | 5,785 |
| Assets per employee ($millions) | 9.8469% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7909% | 6,125 |
| Loan loss allowance to noncurrent loans | 51.4874% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 2.0137% | 1,689 |
| Noncurrent loans to loans | 1.5362% | 2,504 |
| Net loans and leases to total assets | 81.8898% | 364 |
| Net loans and leases to deposits | 102.9924% | 329 |
| Net loans and leases to core deposits | 108.7887% | 637 |
| Total domestic deposits to total assets | 79.5105% | 5,596 |
| Equity capital to assets | 20.1776% | 208 |
| Core capital (leverage) ratio | 20.2719% | 194 |
| Tier 1 risk-based capital ratio | 37.9970% | 273 |
| Total risk-based capital ratio | 39.2206% | 269 |
| Memoranda: | ||
| Average total assets | $68,913,500 | 5,476 |
| Average earning assets | $67,460,000 | 5,335 |
| Average equity | $13,847,000 | 4,073 |
| Average total loans | $56,179,000 | 4,721 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3213% | 2,877 |
| Cost of funding earning assets | 0.9017% | 730 |
| Net interest margin | 3.4196% | 4,205 |
| Noninterest income to average assets | 0.1987% | 5,898 |
| Noninterest expense to average assets | 2.1684% | 5,698 |
| Loan and lease loss provision to assets | 0.3831% | 794 |
| Net operating income to assets | 0.5346% | 4,575 |
| Return on assets (ROA) | 0.5346% | 4,706 |
| Pretax return on assets | 0.9863% | 3,408 |
| Return on Equity (ROE) | 2.7569% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.7569% | 4,276 |
| Net charge-offs to loans | 0.1806% | 3,018 |
| Credit loss provision to net charge-offs | 282.1053% | 803 |
| Earnings coverage of net charge-offs (x) | 10.0842% | 2,424 |
| Efficiency ratio | 61.2929% | 5,314 |
| Assets per employee ($millions) | 8.6124% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7158% | 6,321 |
| Loan loss allowance to noncurrent loans | 38.3946% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 2.2468% | 1,581 |
| Noncurrent loans to loans | 1.8643% | 2,151 |
| Net loans and leases to total assets | 79.9228% | 603 |
| Net loans and leases to deposits | 100.0727% | 481 |
| Net loans and leases to core deposits | 106.4077% | 773 |
| Total domestic deposits to total assets | 79.8647% | 5,475 |
| Equity capital to assets | 20.0090% | 207 |
| Core capital (leverage) ratio | 20.1411% | 191 |
| Tier 1 risk-based capital ratio | 37.2667% | 273 |
| Total risk-based capital ratio | 38.3328% | 272 |
| Memoranda: | ||
| Average total assets | $69,958,400 | 5,480 |
| Average earning assets | $68,312,200 | 5,339 |
| Average equity | $13,566,200 | 4,152 |
| Average total loans | $52,595,000 | 4,863 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 3,064 |
| Cost of funding earning assets | 0.9086% | 784 |
| Net interest margin | 3.3755% | 4,381 |
| Noninterest income to average assets | 0.1861% | 6,081 |
| Noninterest expense to average assets | 2.1341% | 5,762 |
| Loan and lease loss provision to assets | 0.3664% | 861 |
| Net operating income to assets | 0.4481% | 5,030 |
| Return on assets (ROA) | 0.4481% | 5,170 |
| Pretax return on assets | 0.9797% | 3,588 |
| Return on Equity (ROE) | 2.3289% | 5,845 |
| Retained earnings to average equity (ytd only) | 2.3289% | 4,936 |
| Net charge-offs to loans | 0.0720% | 3,906 |
| Credit loss provision to net charge-offs | 689.2857% | 421 |
| Earnings coverage of net charge-offs (x) | 25.3231% | 1,389 |
| Efficiency ratio | 61.3202% | 5,226 |
| Assets per employee ($millions) | 8.6731% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7037% | 6,432 |
| Loan loss allowance to noncurrent loans | 32.1754% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 2.4847% | 1,551 |
| Noncurrent loans to loans | 2.1870% | 2,023 |
| Net loans and leases to total assets | 79.1122% | 638 |
| Net loans and leases to deposits | 98.8457% | 524 |
| Net loans and leases to core deposits | 103.9247% | 882 |
| Total domestic deposits to total assets | 80.0360% | 5,499 |
| Equity capital to assets | 19.6555% | 228 |
| Core capital (leverage) ratio | 19.7997% | 208 |
| Tier 1 risk-based capital ratio | 37.2637% | 280 |
| Total risk-based capital ratio | 38.3188% | 281 |
| Memoranda: | ||
| Average total assets | $70,223,250 | 5,521 |
| Average earning assets | $68,531,500 | 5,394 |
| Average equity | $13,511,250 | 4,208 |
| Average total loans | $51,878,000 | 4,937 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 2,889 |
| Cost of funding earning assets | 0.9195% | 816 |
| Net interest margin | 3.3957% | 4,203 |
| Noninterest income to average assets | 0.1191% | 6,458 |
| Noninterest expense to average assets | 2.2212% | 5,572 |
| Loan and lease loss provision to assets | 0.3688% | 889 |
| Net operating income to assets | 0.3404% | 5,445 |
| Return on assets (ROA) | 0.3404% | 5,614 |
| Pretax return on assets | 0.8397% | 4,157 |
| Return on Equity (ROE) | 1.7819% | 6,021 |
| Retained earnings to average equity (ytd only) | 1.7819% | 5,124 |
| Net charge-offs to loans | 0.0670% | 3,749 |
| Credit loss provision to net charge-offs | 764.7059% | 393 |
| Earnings coverage of net charge-offs (x) | 25.0588% | 1,273 |
| Efficiency ratio | 64.7643% | 4,744 |
| Assets per employee ($millions) | 10.0097% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6560% | 6,553 |
| Loan loss allowance to noncurrent loans | 32.1565% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 2.4462% | 1,740 |
| Noncurrent loans to loans | 2.0401% | 2,353 |
| Net loans and leases to total assets | 72.8335% | 1,434 |
| Net loans and leases to deposits | 90.7608% | 1,076 |
| Net loans and leases to core deposits | 93.5098% | 1,561 |
| Total domestic deposits to total assets | 80.2478% | 5,549 |
| Equity capital to assets | 19.3384% | 240 |
| Core capital (leverage) ratio | 19.4425% | 218 |
| Tier 1 risk-based capital ratio | 38.6885% | 255 |
| Total risk-based capital ratio | 39.6456% | 254 |
| Memoranda: | ||
| Average total assets | $70,502,670 | 5,556 |
| Average earning assets | $68,734,000 | 5,429 |
| Average equity | $13,469,000 | 4,248 |
| Average total loans | $50,743,670 | 4,994 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 3,001 |
| Cost of funding earning assets | 0.9401% | 819 |
| Net interest margin | 3.3367% | 4,371 |
| Noninterest income to average assets | 0.0339% | 6,783 |
| Noninterest expense to average assets | 1.9796% | 6,142 |
| Loan and lease loss provision to assets | 1.2161% | 131 |
| Net operating income to assets | -0.4072% | 6,631 |
| Return on assets (ROA) | -0.4072% | 6,663 |
| Pretax return on assets | 0.0905% | 6,269 |
| Return on Equity (ROE) | -2.1447% | 6,566 |
| Retained earnings to average equity (ytd only) | -2.1447% | 6,092 |
| Net charge-offs to loans | 0.1507% | 2,495 |
| Credit loss provision to net charge-offs | 1,131.5789% | 283 |
| Earnings coverage of net charge-offs (x) | 12.1579% | 1,620 |
| Efficiency ratio | 60.2410% | 5,551 |
| Assets per employee ($millions) | 8.7748% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 6,452 |
| Loan loss allowance to noncurrent loans | 24.4755% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 3.4246% | 1,254 |
| Noncurrent loans to loans | 3.2812% | 1,479 |
| Net loans and leases to total assets | 73.9024% | 1,094 |
| Net loans and leases to deposits | 91.7302% | 824 |
| Net loans and leases to core deposits | 96.3594% | 1,182 |
| Total domestic deposits to total assets | 80.5650% | 5,608 |
| Equity capital to assets | 19.0732% | 260 |
| Core capital (leverage) ratio | 19.1330% | 233 |
| Tier 1 risk-based capital ratio | 38.2138% | 265 |
| Total risk-based capital ratio | 39.4088% | 260 |
| Memoranda: | ||
| Average total assets | $70,720,000 | 5,603 |
| Average earning assets | $68,931,000 | 5,464 |
| Average equity | $13,428,500 | 4,301 |
| Average total loans | $50,430,500 | 5,040 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 3,872 |
| Cost of funding earning assets | 1.1613% | 692 |
| Net interest margin | 3.2256% | 5,507 |
| Noninterest income to average assets | 0.0628% | 6,647 |
| Noninterest expense to average assets | 1.9547% | 6,410 |
| Loan and lease loss provision to assets | 0.5979% | 924 |
| Net operating income to assets | 0.1160% | 5,984 |
| Return on assets (ROA) | 0.1160% | 6,124 |
| Pretax return on assets | 0.6647% | 4,777 |
| Return on Equity (ROE) | 0.6310% | 6,197 |
| Retained earnings to average equity (ytd only) | 0.6310% | 5,544 |
| Net charge-offs to loans | 1.0028% | 1,090 |
| Credit loss provision to net charge-offs | 84.8837% | 3,667 |
| Earnings coverage of net charge-offs (x) | 1.7926% | 4,533 |
| Efficiency ratio | 60.7552% | 5,419 |
| Assets per employee ($millions) | 10.1774% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4613% | 6,861 |
| Loan loss allowance to noncurrent loans | 24.5884% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 2.1995% | 2,232 |
| Noncurrent loans to loans | 1.8759% | 2,829 |
| Net loans and leases to total assets | 67.8518% | 2,207 |
| Net loans and leases to deposits | 84.0167% | 1,754 |
| Net loans and leases to core deposits | 88.3275% | 2,049 |
| Total domestic deposits to total assets | 80.7599% | 5,468 |
| Equity capital to assets | 18.9046% | 276 |
| Core capital (leverage) ratio | 18.9537% | 234 |
| Tier 1 risk-based capital ratio | 39.7089% | 243 |
| Total risk-based capital ratio | 40.3676% | 247 |
| Memoranda: | ||
| Average total assets | $73,261,000 | 5,540 |
| Average earning assets | $71,645,800 | 5,378 |
| Average equity | $13,471,600 | 4,264 |
| Average total loans | $51,454,400 | 5,047 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4235% | 3,951 |
| Cost of funding earning assets | 1.1950% | 711 |
| Net interest margin | 3.2285% | 5,621 |
| Noninterest income to average assets | 0.0723% | 6,727 |
| Noninterest expense to average assets | 1.8888% | 6,539 |
| Loan and lease loss provision to assets | 0.7881% | 608 |
| Net operating income to assets | 0.3055% | 5,596 |
| Return on assets (ROA) | 0.3055% | 5,800 |
| Pretax return on assets | 0.5549% | 5,286 |
| Return on Equity (ROE) | 1.6725% | 6,109 |
| Retained earnings to average equity (ytd only) | 1.6725% | 5,496 |
| Net charge-offs to loans | 1.2981% | 725 |
| Credit loss provision to net charge-offs | 85.8268% | 3,435 |
| Earnings coverage of net charge-offs (x) | 1.4626% | 4,555 |
| Efficiency ratio | 58.4452% | 5,726 |
| Assets per employee ($millions) | 10.4249% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4614% | 6,975 |
| Loan loss allowance to noncurrent loans | 24.8654% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 2.1885% | 2,445 |
| Noncurrent loans to loans | 1.8555% | 3,007 |
| Net loans and leases to total assets | 68.2928% | 2,248 |
| Net loans and leases to deposits | 84.2493% | 1,840 |
| Net loans and leases to core deposits | 88.4574% | 2,161 |
| Total domestic deposits to total assets | 81.0604% | 5,332 |
| Equity capital to assets | 18.5778% | 320 |
| Core capital (leverage) ratio | 18.6190% | 265 |
| Tier 1 risk-based capital ratio | 39.0959% | 263 |
| Total risk-based capital ratio | 39.7606% | 267 |
| Memoranda: | ||
| Average total assets | $73,765,750 | 5,579 |
| Average earning assets | $72,188,750 | 5,421 |
| Average equity | $13,472,500 | 4,301 |
| Average total loans | $52,177,250 | 5,066 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 4,069 |
| Cost of funding earning assets | 1.2203% | 748 |
| Net interest margin | 3.2090% | 5,706 |
| Noninterest income to average assets | 0.0946% | 6,695 |
| Noninterest expense to average assets | 1.8506% | 6,682 |
| Loan and lease loss provision to assets | 1.1158% | 379 |
| Net operating income to assets | 0.1513% | 6,036 |
| Return on assets (ROA) | 0.1513% | 6,206 |
| Pretax return on assets | 0.2756% | 6,003 |
| Return on Equity (ROE) | 0.8331% | 6,329 |
| Retained earnings to average equity (ytd only) | 0.8331% | 5,733 |
| Net charge-offs to loans | 1.7549% | 507 |
| Credit loss provision to net charge-offs | 89.0086% | 3,075 |
| Earnings coverage of net charge-offs (x) | 1.1099% | 4,461 |
| Efficiency ratio | 57.0833% | 5,983 |
| Assets per employee ($millions) | 9.2483% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4713% | 7,039 |
| Loan loss allowance to noncurrent loans | 22.5719% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 2.1599% | 2,598 |
| Noncurrent loans to loans | 2.0878% | 2,838 |
| Net loans and leases to total assets | 71.6500% | 1,617 |
| Net loans and leases to deposits | 88.5687% | 1,310 |
| Net loans and leases to core deposits | 91.5308% | 1,818 |
| Total domestic deposits to total assets | 80.8977% | 5,501 |
| Equity capital to assets | 18.1670% | 328 |
| Core capital (leverage) ratio | 18.2116% | 281 |
| Tier 1 risk-based capital ratio | 35.6238% | 325 |
| Total risk-based capital ratio | 36.2874% | 337 |
| Memoranda: | ||
| Average total assets | $74,029,670 | 5,605 |
| Average earning assets | $72,608,000 | 5,443 |
| Average equity | $13,444,330 | 4,307 |
| Average total loans | $52,880,670 | 5,066 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 3,995 |
| Cost of funding earning assets | 1.2469% | 789 |
| Net interest margin | 3.2352% | 5,682 |
| Noninterest income to average assets | 0.1675% | 6,383 |
| Noninterest expense to average assets | 1.8096% | 6,783 |
| Loan and lease loss provision to assets | 0.1188% | 3,861 |
| Net operating income to assets | 0.7832% | 3,459 |
| Return on assets (ROA) | 0.7832% | 3,701 |
| Pretax return on assets | 1.4206% | 2,119 |
| Return on Equity (ROE) | 4.3136% | 5,133 |
| Retained earnings to average equity (ytd only) | 4.3136% | 4,001 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0323% | 6,344 |
| Assets per employee ($millions) | 9.2584% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6122% | 6,974 |
| Loan loss allowance to noncurrent loans | 20.8897% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 2.0940% | 2,786 |
| Noncurrent loans to loans | 2.9308% | 2,204 |
| Net loans and leases to total assets | 71.0127% | 1,571 |
| Net loans and leases to deposits | 87.3820% | 1,242 |
| Net loans and leases to core deposits | 91.2746% | 1,720 |
| Total domestic deposits to total assets | 81.2670% | 5,530 |
| Equity capital to assets | 18.2510% | 321 |
| Core capital (leverage) ratio | 18.3104% | 280 |
| Tier 1 risk-based capital ratio | 35.9983% | 314 |
| Total risk-based capital ratio | 36.8583% | 318 |
| Memoranda: | ||
| Average total assets | $74,051,500 | 5,647 |
| Average earning assets | $72,823,500 | 5,470 |
| Average equity | $13,446,000 | 4,314 |
| Average total loans | $52,690,000 | 5,120 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 4,666 |
| Cost of funding earning assets | 1.4602% | 833 |
| Net interest margin | 3.1436% | 6,238 |
| Noninterest income to average assets | 0.0507% | 6,832 |
| Noninterest expense to average assets | 1.6343% | 7,092 |
| Loan and lease loss provision to assets | 0.2493% | 3,710 |
| Net operating income to assets | 0.6852% | 3,556 |
| Return on assets (ROA) | 0.6852% | 3,747 |
| Pretax return on assets | 1.2464% | 2,311 |
| Return on Equity (ROE) | 3.9234% | 4,887 |
| Retained earnings to average equity (ytd only) | 3.9234% | 3,416 |
| Net charge-offs to loans | 0.9683% | 1,779 |
| Credit loss provision to net charge-offs | 36.3813% | 5,689 |
| Earnings coverage of net charge-offs (x) | 2.1829% | 4,150 |
| Efficiency ratio | 52.2147% | 6,686 |
| Assets per employee ($millions) | 9.2545% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4308% | 7,148 |
| Loan loss allowance to noncurrent loans | 13.4845% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 2.2638% | 2,657 |
| Noncurrent loans to loans | 3.1949% | 2,023 |
| Net loans and leases to total assets | 70.5508% | 1,916 |
| Net loans and leases to deposits | 86.4599% | 1,618 |
| Net loans and leases to core deposits | 87.3637% | 2,454 |
| Total domestic deposits to total assets | 81.5995% | 5,265 |
| Equity capital to assets | 18.0642% | 344 |
| Core capital (leverage) ratio | 18.0642% | 294 |
| Tier 1 risk-based capital ratio | 35.2597% | 329 |
| Total risk-based capital ratio | 35.8555% | 338 |
| Memoranda: | ||
| Average total assets | $75,015,600 | 5,607 |
| Average earning assets | $73,483,800 | 5,419 |
| Average equity | $13,101,000 | 4,322 |
| Average total loans | $53,081,000 | 5,153 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 4,573 |
| Cost of funding earning assets | 1.4955% | 881 |
| Net interest margin | 3.1792% | 6,205 |
| Noninterest income to average assets | 0.0372% | 6,991 |
| Noninterest expense to average assets | 1.6015% | 7,168 |
| Loan and lease loss provision to assets | 0.2728% | 3,325 |
| Net operating income to assets | 0.7600% | 3,342 |
| Return on assets (ROA) | 0.7600% | 3,501 |
| Pretax return on assets | 1.2738% | 2,384 |
| Return on Equity (ROE) | 4.3889% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.3889% | 3,602 |
| Net charge-offs to loans | 1.3224% | 1,157 |
| Credit loss provision to net charge-offs | 29.1667% | 5,421 |
| Earnings coverage of net charge-offs (x) | 1.6534% | 4,409 |
| Efficiency ratio | 50.8723% | 6,771 |
| Assets per employee ($millions) | 9.2849% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3363% | 7,270 |
| Loan loss allowance to noncurrent loans | 22.3750% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 1.0770% | 4,611 |
| Noncurrent loans to loans | 1.5029% | 4,036 |
| Net loans and leases to total assets | 71.4240% | 1,831 |
| Net loans and leases to deposits | 87.4495% | 1,503 |
| Net loans and leases to core deposits | 88.7352% | 2,404 |
| Total domestic deposits to total assets | 81.6745% | 5,203 |
| Equity capital to assets | 17.9001% | 400 |
| Core capital (leverage) ratio | 17.9001% | 329 |
| Tier 1 risk-based capital ratio | 34.2239% | 379 |
| Total risk-based capital ratio | 34.6847% | 395 |
| Memoranda: | ||
| Average total assets | $75,260,500 | 5,636 |
| Average earning assets | $73,644,000 | 5,456 |
| Average equity | $13,032,750 | 4,343 |
| Average total loans | $53,236,500 | 5,191 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6607% | 4,703 |
| Cost of funding earning assets | 1.5211% | 933 |
| Net interest margin | 3.1396% | 6,304 |
| Noninterest income to average assets | 0.0291% | 7,121 |
| Noninterest expense to average assets | 1.5902% | 7,255 |
| Loan and lease loss provision to assets | 0.3493% | 2,687 |
| Net operating income to assets | 0.6932% | 3,574 |
| Return on assets (ROA) | 0.6932% | 3,693 |
| Pretax return on assets | 1.1589% | 2,645 |
| Return on Equity (ROE) | 4.0479% | 4,921 |
| Retained earnings to average equity (ytd only) | 4.0479% | 3,626 |
| Net charge-offs to loans | 1.9835% | 683 |
| Credit loss provision to net charge-offs | 25.0000% | 5,061 |
| Earnings coverage of net charge-offs (x) | 1.0795% | 4,477 |
| Efficiency ratio | 51.3237% | 6,847 |
| Assets per employee ($millions) | 9.3954% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2885% | 7,357 |
| Loan loss allowance to noncurrent loans | 19.3548% | 6,739 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 4,736 |
| Noncurrent loans to loans | 1.4905% | 4,188 |
| Net loans and leases to total assets | 71.7348% | 1,834 |
| Net loans and leases to deposits | 87.2615% | 1,615 |
| Net loans and leases to core deposits | 88.5135% | 2,563 |
| Total domestic deposits to total assets | 82.2067% | 5,094 |
| Equity capital to assets | 17.4381% | 434 |
| Core capital (leverage) ratio | 17.4381% | 372 |
| Tier 1 risk-based capital ratio | 32.9935% | 419 |
| Total risk-based capital ratio | 33.3862% | 439 |
| Memoranda: | ||
| Average total assets | $75,587,670 | 5,669 |
| Average earning assets | $73,895,000 | 5,498 |
| Average equity | $12,945,000 | 4,352 |
| Average total loans | $53,238,000 | 5,236 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 4,934 |
| Cost of funding earning assets | 1.5687% | 919 |
| Net interest margin | 3.0346% | 6,502 |
| Noninterest income to average assets | 0.0633% | 7,077 |
| Noninterest expense to average assets | 1.6148% | 7,296 |
| Loan and lease loss provision to assets | 0.8918% | 904 |
| Net operating income to assets | 0.3113% | 5,353 |
| Return on assets (ROA) | 0.3113% | 5,424 |
| Pretax return on assets | 0.5172% | 4,970 |
| Return on Equity (ROE) | 1.8346% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.8346% | 5,014 |
| Net charge-offs to loans | 3.9985% | 224 |
| Credit loss provision to net charge-offs | 32.0076% | 4,080 |
| Earnings coverage of net charge-offs (x) | 0.5057% | 4,239 |
| Efficiency ratio | 53.4031% | 6,752 |
| Assets per employee ($millions) | 9.4805% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3493% | 7,377 |
| Loan loss allowance to noncurrent loans | 21.9653% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 2.2757% | 2,976 |
| Noncurrent loans to loans | 1.5905% | 4,097 |
| Net loans and leases to total assets | 71.4585% | 1,822 |
| Net loans and leases to deposits | 86.5366% | 1,644 |
| Net loans and leases to core deposits | 87.2864% | 2,702 |
| Total domestic deposits to total assets | 82.5761% | 5,077 |
| Equity capital to assets | 16.9980% | 440 |
| Core capital (leverage) ratio | 16.9980% | 396 |
| Tier 1 risk-based capital ratio | 31.7357% | 451 |
| Total risk-based capital ratio | 32.2034% | 469 |
| Memoranda: | ||
| Average total assets | $75,800,000 | 5,706 |
| Average earning assets | $73,946,500 | 5,538 |
| Average equity | $12,864,000 | 4,372 |
| Average total loans | $52,820,000 | 5,295 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9809% | 4,647 |
| Cost of funding earning assets | 1.9772% | 657 |
| Net interest margin | 3.0037% | 6,729 |
| Noninterest income to average assets | 0.0555% | 7,082 |
| Noninterest expense to average assets | 1.5926% | 7,412 |
| Loan and lease loss provision to assets | 0.2049% | 5,193 |
| Net operating income to assets | 0.6648% | 3,372 |
| Return on assets (ROA) | 0.6648% | 3,509 |
| Pretax return on assets | 1.1974% | 2,234 |
| Return on Equity (ROE) | 3.9883% | 4,533 |
| Retained earnings to average equity (ytd only) | 3.9883% | 3,075 |
| Net charge-offs to loans | -0.5246% | 7,591 |
| Credit loss provision to net charge-offs | -54.1958% | 7,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1774% | 6,877 |
| Assets per employee ($millions) | 9.4695% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 6,069 |
| Loan loss allowance to noncurrent loans | 39.2704% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 1.8454% | 3,568 |
| Noncurrent loans to loans | 2.7276% | 2,791 |
| Net loans and leases to total assets | 66.9307% | 3,239 |
| Net loans and leases to deposits | 81.0447% | 2,980 |
| Net loans and leases to core deposits | 81.7437% | 3,941 |
| Total domestic deposits to total assets | 82.5849% | 4,978 |
| Equity capital to assets | 16.9439% | 467 |
| Core capital (leverage) ratio | 16.9439% | 404 |
| Tier 1 risk-based capital ratio | 33.8851% | 378 |
| Total risk-based capital ratio | 34.2256% | 402 |
| Memoranda: | ||
| Average total assets | $75,664,000 | 5,724 |
| Average earning assets | $74,043,200 | 5,540 |
| Average equity | $12,612,000 | 4,458 |
| Average total loans | $54,521,600 | 5,297 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0766% | 4,444 |
| Cost of funding earning assets | 2.0570% | 618 |
| Net interest margin | 3.0196% | 6,791 |
| Noninterest income to average assets | 0.0511% | 7,262 |
| Noninterest expense to average assets | 1.5864% | 7,510 |
| Loan and lease loss provision to assets | 0.2098% | 4,968 |
| Net operating income to assets | 0.7192% | 3,323 |
| Return on assets (ROA) | 0.7192% | 3,481 |
| Pretax return on assets | 1.2074% | 2,461 |
| Return on Equity (ROE) | 4.3325% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.3325% | 3,449 |
| Net charge-offs to loans | 0.2747% | 4,300 |
| Credit loss provision to net charge-offs | 104.3860% | 4,112 |
| Earnings coverage of net charge-offs (x) | 7.0524% | 2,396 |
| Efficiency ratio | 52.8169% | 6,906 |
| Assets per employee ($millions) | 8.3660% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2076% | 7,638 |
| Loan loss allowance to noncurrent loans | 11.6255% | 7,151 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 4,562 |
| Noncurrent loans to loans | 1.7856% | 3,967 |
| Net loans and leases to total assets | 72.1452% | 2,223 |
| Net loans and leases to deposits | 87.4073% | 2,099 |
| Net loans and leases to core deposits | 87.7617% | 3,401 |
| Total domestic deposits to total assets | 82.5391% | 4,780 |
| Equity capital to assets | 16.9496% | 523 |
| Core capital (leverage) ratio | 16.9496% | 435 |
| Tier 1 risk-based capital ratio | 32.5919% | 416 |
| Total risk-based capital ratio | 32.8805% | 438 |
| Memoranda: | ||
| Average total assets | $75,641,000 | 5,787 |
| Average earning assets | $73,959,000 | 5,607 |
| Average equity | $12,556,000 | 4,535 |
| Average total loans | $55,338,750 | 5,332 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1300% | 4,300 |
| Cost of funding earning assets | 2.1650% | 515 |
| Net interest margin | 2.9650% | 6,912 |
| Noninterest income to average assets | 0.0528% | 7,325 |
| Noninterest expense to average assets | 1.5259% | 7,605 |
| Loan and lease loss provision to assets | 0.2086% | 4,789 |
| Net operating income to assets | 0.7234% | 3,303 |
| Return on assets (ROA) | 0.7234% | 3,456 |
| Pretax return on assets | 1.2144% | 2,365 |
| Return on Equity (ROE) | 4.3884% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.3884% | 3,285 |
| Net charge-offs to loans | 0.3415% | 3,637 |
| Credit loss provision to net charge-offs | 83.1579% | 4,627 |
| Earnings coverage of net charge-offs (x) | 5.6737% | 2,619 |
| Efficiency ratio | 51.7457% | 7,096 |
| Assets per employee ($millions) | 9.3271% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1700% | 7,718 |
| Loan loss allowance to noncurrent loans | 9.4650% | 7,271 |
| Noncurrent assets plus other real estate owned to assets | 1.4434% | 4,297 |
| Noncurrent loans to loans | 1.7961% | 4,007 |
| Net loans and leases to total assets | 72.4044% | 2,304 |
| Net loans and leases to deposits | 87.6292% | 2,243 |
| Net loans and leases to core deposits | 88.0203% | 3,545 |
| Total domestic deposits to total assets | 82.6259% | 4,728 |
| Equity capital to assets | 16.9144% | 539 |
| Core capital (leverage) ratio | 16.9144% | 453 |
| Tier 1 risk-based capital ratio | 32.1284% | 422 |
| Total risk-based capital ratio | 32.3626% | 449 |
| Memoranda: | ||
| Average total assets | $75,756,670 | 5,809 |
| Average earning assets | $73,996,330 | 5,640 |
| Average equity | $12,487,330 | 4,554 |
| Average total loans | $55,640,330 | 5,359 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3785% | 3,146 |
| Cost of funding earning assets | 2.2974% | 440 |
| Net interest margin | 3.0811% | 6,644 |
| Noninterest income to average assets | 0.0681% | 7,376 |
| Noninterest expense to average assets | 1.4726% | 7,728 |
| Loan and lease loss provision to assets | 0.1467% | 5,080 |
| Net operating income to assets | 0.8699% | 2,671 |
| Return on assets (ROA) | 0.8699% | 2,755 |
| Pretax return on assets | 1.4569% | 1,624 |
| Return on Equity (ROE) | 5.3460% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.3460% | 2,966 |
| Net charge-offs to loans | 0.2482% | 3,456 |
| Credit loss provision to net charge-offs | 80.0000% | 3,875 |
| Earnings coverage of net charge-offs (x) | 8.7429% | 1,928 |
| Efficiency ratio | 47.8705% | 7,447 |
| Assets per employee ($millions) | 9.5059% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1835% | 7,818 |
| Loan loss allowance to noncurrent loans | 45.4955% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5838% | 6,055 |
| Noncurrent loans to loans | 0.4033% | 6,484 |
| Net loans and leases to total assets | 72.2566% | 2,397 |
| Net loans and leases to deposits | 87.0879% | 2,396 |
| Net loans and leases to core deposits | 88.2984% | 3,594 |
| Total domestic deposits to total assets | 82.9697% | 4,645 |
| Equity capital to assets | 16.4451% | 611 |
| Core capital (leverage) ratio | 16.4451% | 514 |
| Tier 1 risk-based capital ratio | 31.4490% | 457 |
| Total risk-based capital ratio | 31.7030% | 487 |
| Memoranda: | ||
| Average total assets | $76,326,500 | 5,870 |
| Average earning assets | $74,518,500 | 5,689 |
| Average equity | $12,420,500 | 4,611 |
| Average total loans | $56,401,500 | 5,406 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 4,362 |
| Cost of funding earning assets | 2.7061% | 578 |
| Net interest margin | 2.7582% | 7,128 |
| Noninterest income to average assets | 0.0433% | 7,527 |
| Noninterest expense to average assets | 1.5832% | 7,778 |
| Loan and lease loss provision to assets | 0.1088% | 6,560 |
| Net operating income to assets | 0.6225% | 3,241 |
| Return on assets (ROA) | 0.6225% | 3,306 |
| Pretax return on assets | 1.0577% | 2,385 |
| Return on Equity (ROE) | 3.9241% | 4,122 |
| Retained earnings to average equity (ytd only) | 3.9241% | 2,464 |
| Net charge-offs to loans | 0.2012% | 5,385 |
| Credit loss provision to net charge-offs | 69.7479% | 6,494 |
| Earnings coverage of net charge-offs (x) | 7.4790% | 2,133 |
| Efficiency ratio | 57.5786% | 6,823 |
| Assets per employee ($millions) | 9.5758% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1870% | 7,888 |
| Loan loss allowance to noncurrent loans | 17.5041% | 7,161 |
| Noncurrent assets plus other real estate owned to assets | 1.0430% | 5,014 |
| Noncurrent loans to loans | 1.0683% | 5,184 |
| Net loans and leases to total assets | 75.2487% | 1,983 |
| Net loans and leases to deposits | 90.3173% | 2,173 |
| Net loans and leases to core deposits | 113.0848% | 2,591 |
| Total domestic deposits to total assets | 83.3159% | 4,379 |
| Equity capital to assets | 16.1019% | 684 |
| Core capital (leverage) ratio | 16.1019% | 605 |
| Tier 1 risk-based capital ratio | 29.9808% | 525 |
| Total risk-based capital ratio | 30.2433% | 563 |
| Memoranda: | ||
| Average total assets | $76,299,600 | 5,833 |
| Average earning assets | $74,868,600 | 5,641 |
| Average equity | $12,104,800 | 4,722 |
| Average total loans | $59,139,800 | 5,293 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5300% | 4,270 |
| Cost of funding earning assets | 2.7712% | 645 |
| Net interest margin | 2.7588% | 7,118 |
| Noninterest income to average assets | 0.0490% | 7,656 |
| Noninterest expense to average assets | 1.5078% | 7,884 |
| Loan and lease loss provision to assets | 0.1469% | 5,887 |
| Net operating income to assets | 0.6594% | 3,358 |
| Return on assets (ROA) | 0.6594% | 3,419 |
| Pretax return on assets | 1.1037% | 2,549 |
| Return on Equity (ROE) | 4.1723% | 4,315 |
| Retained earnings to average equity (ytd only) | 4.1723% | 2,950 |
| Net charge-offs to loans | 0.2622% | 4,409 |
| Credit loss provision to net charge-offs | 71.7949% | 5,948 |
| Earnings coverage of net charge-offs (x) | 6.1110% | 2,669 |
| Efficiency ratio | 54.6607% | 7,165 |
| Assets per employee ($millions) | 9.7050% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1916% | 7,984 |
| Loan loss allowance to noncurrent loans | 15.5028% | 7,311 |
| Noncurrent assets plus other real estate owned to assets | 1.2056% | 4,662 |
| Noncurrent loans to loans | 1.2356% | 4,882 |
| Net loans and leases to total assets | 74.4938% | 2,382 |
| Net loans and leases to deposits | 89.0773% | 2,770 |
| Net loans and leases to core deposits | 113.8389% | 2,843 |
| Total domestic deposits to total assets | 83.6283% | 3,888 |
| Equity capital to assets | 15.7844% | 825 |
| Core capital (leverage) ratio | 15.7844% | 712 |
| Tier 1 risk-based capital ratio | 29.6825% | 587 |
| Total risk-based capital ratio | 29.9780% | 619 |
| Memoranda: | ||
| Average total assets | $76,223,000 | 5,872 |
| Average earning assets | $74,862,250 | 5,677 |
| Average equity | $12,047,250 | 4,778 |
| Average total loans | $59,486,500 | 5,313 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6613% | 3,761 |
| Cost of funding earning assets | 2.8481% | 696 |
| Net interest margin | 2.8132% | 6,987 |
| Noninterest income to average assets | 0.0581% | 7,699 |
| Noninterest expense to average assets | 1.5604% | 7,937 |
| Loan and lease loss provision to assets | 0.0898% | 6,275 |
| Net operating income to assets | 0.6997% | 3,255 |
| Return on assets (ROA) | 0.6997% | 3,364 |
| Pretax return on assets | 1.1723% | 2,382 |
| Return on Equity (ROE) | 4.4248% | 4,330 |
| Retained earnings to average equity (ytd only) | 4.4248% | 2,833 |
| Net charge-offs to loans | 0.2167% | 4,148 |
| Credit loss provision to net charge-offs | 52.3077% | 5,729 |
| Earnings coverage of net charge-offs (x) | 7.3538% | 2,452 |
| Efficiency ratio | 55.2853% | 7,195 |
| Assets per employee ($millions) | 9.6754% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1979% | 8,066 |
| Loan loss allowance to noncurrent loans | 18.5246% | 7,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 5,424 |
| Noncurrent loans to loans | 1.0683% | 5,075 |
| Net loans and leases to total assets | 73.6212% | 2,810 |
| Net loans and leases to deposits | 87.8354% | 3,197 |
| Net loans and leases to core deposits | 111.4577% | 3,205 |
| Total domestic deposits to total assets | 83.8172% | 3,861 |
| Equity capital to assets | 15.6402% | 898 |
| Core capital (leverage) ratio | 15.6402% | 799 |
| Tier 1 risk-based capital ratio | 29.5665% | 625 |
| Total risk-based capital ratio | 29.8425% | 671 |
| Memoranda: | ||
| Average total assets | $75,750,670 | 5,926 |
| Average earning assets | $74,435,670 | 5,731 |
| Average equity | $11,978,000 | 4,816 |
| Average total loans | $59,999,330 | 5,334 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8122% | 3,241 |
| Cost of funding earning assets | 2.9360% | 706 |
| Net interest margin | 2.8762% | 6,813 |
| Noninterest income to average assets | 0.0427% | 7,872 |
| Noninterest expense to average assets | 1.4521% | 8,018 |
| Loan and lease loss provision to assets | 0.1548% | 4,951 |
| Net operating income to assets | 0.7528% | 3,337 |
| Return on assets (ROA) | 0.7528% | 3,514 |
| Pretax return on assets | 1.2599% | 2,412 |
| Return on Equity (ROE) | 4.7339% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.7339% | 3,275 |
| Net charge-offs to loans | 0.4231% | 2,406 |
| Credit loss provision to net charge-offs | 44.6154% | 4,757 |
| Earnings coverage of net charge-offs (x) | 4.0769% | 2,985 |
| Efficiency ratio | 50.6518% | 7,539 |
| Assets per employee ($millions) | 9.5303% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1769% | 8,128 |
| Loan loss allowance to noncurrent loans | 17.8689% | 7,270 |
| Noncurrent assets plus other real estate owned to assets | 0.8001% | 5,176 |
| Noncurrent loans to loans | 0.9902% | 5,015 |
| Net loans and leases to total assets | 80.6563% | 1,265 |
| Net loans and leases to deposits | 99.1791% | 1,514 |
| Net loans and leases to core deposits | 127.3642% | 1,834 |
| Total domestic deposits to total assets | 81.3239% | 4,826 |
| Equity capital to assets | 15.7210% | 925 |
| Core capital (leverage) ratio | 15.8001% | 809 |
| Tier 1 risk-based capital ratio | 28.3589% | 727 |
| Total risk-based capital ratio | 27.8959% | 827 |
| Memoranda: | ||
| Average total assets | $74,924,500 | 5,976 |
| Average earning assets | $73,569,000 | 5,791 |
| Average equity | $11,914,000 | 4,861 |
| Average total loans | $61,450,000 | 5,306 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8415% | 6,292 |
| Cost of funding earning assets | 3.2824% | 971 |
| Net interest margin | 2.5591% | 7,686 |
| Noninterest income to average assets | 0.0398% | 7,936 |
| Noninterest expense to average assets | 1.6100% | 7,955 |
| Loan and lease loss provision to assets | 0.0711% | 6,509 |
| Net operating income to assets | 0.4939% | 4,766 |
| Return on assets (ROA) | 0.4121% | 4,920 |
| Pretax return on assets | 0.7446% | 4,263 |
| Return on Equity (ROE) | 2.4483% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.4483% | 3,671 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0495% | 5,765 |
| Assets per employee ($millions) | 9.2009% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2366% | 8,135 |
| Loan loss allowance to noncurrent loans | 62.2318% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 6,341 |
| Noncurrent loans to loans | 0.3801% | 6,214 |
| Net loans and leases to total assets | 83.0791% | 1,033 |
| Net loans and leases to deposits | 109.7882% | 850 |
| Net loans and leases to core deposits | 137.7173% | 1,393 |
| Total domestic deposits to total assets | 75.6722% | 6,309 |
| Equity capital to assets | 16.0881% | 913 |
| Core capital (leverage) ratio | 16.1724% | 801 |
| Tier 1 risk-based capital ratio | 28.5338% | 732 |
| Total risk-based capital ratio | 28.2060% | 811 |
| Memoranda: | ||
| Average total assets | $70,372,600 | 6,028 |
| Average earning assets | $69,125,600 | 5,853 |
| Average equity | $11,845,000 | 4,876 |
| Average total loans | $57,243,400 | 5,397 |