Home > Bank of the Valley > Performance and Condition Ratios
Bank of the Valley, 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 | 6.1768% | 510 |
| Cost of funding earning assets | 2.3551% | 493 |
| Net interest margin | 3.8218% | 1,533 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.9498% | 1,193 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 0.3827% | 3,905 |
| Return on assets (ROA) | 0.3474% | 3,953 |
| Pretax return on assets | 0.4047% | 3,956 |
| Return on Equity (ROE) | 4.0100% | 3,883 |
| Retained earnings to average equity (ytd only) | 4.0070% | 2,958 |
| Net charge-offs to loans | 0.2704% | 395 |
| Credit loss provision to net charge-offs | 160.4396% | 1,407 |
| Earnings coverage of net charge-offs (x) | 3.5907% | 2,632 |
| Efficiency ratio | 77.4299% | 1,124 |
| Assets per employee ($millions) | 5.8987% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9696% | 399 |
| Loan loss allowance to noncurrent loans | 511.5681% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 1,691 |
| Noncurrent loans to loans | 0.3850% | 1,833 |
| Net loans and leases to total assets | 79.9600% | 643 |
| Net loans and leases to deposits | 89.6672% | 1,299 |
| Net loans and leases to core deposits | 109.4792% | 975 |
| Total domestic deposits to total assets | 89.1700% | 1,012 |
| Equity capital to assets | 8.9838% | 2,684 |
| Core capital (leverage) ratio | 9.5489% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7087% | 2,337 |
| Memoranda: | ||
| Average total assets | $486,501,800 | 1,758 |
| Average earning assets | $448,354,800 | 1,753 |
| Average equity | $42,176,600 | 1,806 |
| Average total loans | $403,827,800 | 1,462 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0841% | 479 |
| Cost of funding earning assets | 2.1846% | 513 |
| Net interest margin | 3.8995% | 1,400 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 3.0017% | 1,067 |
| Loan and lease loss provision to assets | 0.5200% | 151 |
| Net operating income to assets | 0.2921% | 4,122 |
| Return on assets (ROA) | 0.2426% | 4,198 |
| Pretax return on assets | 0.2684% | 4,192 |
| Return on Equity (ROE) | 2.8200% | 4,119 |
| Retained earnings to average equity (ytd only) | 2.8242% | 3,549 |
| Net charge-offs to loans | 0.3263% | 273 |
| Credit loss provision to net charge-offs | 191.3968% | 1,154 |
| Earnings coverage of net charge-offs (x) | 3.1032% | 2,448 |
| Efficiency ratio | 76.9616% | 1,093 |
| Assets per employee ($millions) | 5.5228% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 382 |
| Loan loss allowance to noncurrent loans | 422.8351% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 1,428 |
| Noncurrent loans to loans | 0.4751% | 1,633 |
| Net loans and leases to total assets | 83.2800% | 342 |
| Net loans and leases to deposits | 91.7777% | 1,072 |
| Net loans and leases to core deposits | 113.7114% | 743 |
| Total domestic deposits to total assets | 90.7400% | 733 |
| Equity capital to assets | 8.7964% | 2,538 |
| Core capital (leverage) ratio | 9.4563% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5260% | 2,443 |
| Memoranda: | ||
| Average total assets | $484,254,000 | 1,765 |
| Average earning assets | $448,153,750 | 1,760 |
| Average equity | $41,592,250 | 1,811 |
| Average total loans | $403,747,000 | 1,459 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9352% | 478 |
| Cost of funding earning assets | 2.0141% | 481 |
| Net interest margin | 3.9211% | 1,383 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 3.0228% | 1,007 |
| Loan and lease loss provision to assets | 0.8400% | 84 |
| Net operating income to assets | 0.0367% | 4,401 |
| Return on assets (ROA) | -0.0284% | 4,481 |
| Pretax return on assets | -0.0869% | 4,484 |
| Return on Equity (ROE) | -0.3300% | 4,453 |
| Retained earnings to average equity (ytd only) | -0.3336% | 4,149 |
| Net charge-offs to loans | 0.4729% | 177 |
| Credit loss provision to net charge-offs | 213.7750% | 1,020 |
| Earnings coverage of net charge-offs (x) | 2.1262% | 2,324 |
| Efficiency ratio | 77.3184% | 1,062 |
| Assets per employee ($millions) | 5.2322% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0886% | 365 |
| Loan loss allowance to noncurrent loans | 298.2213% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 913 |
| Noncurrent loans to loans | 0.7003% | 1,067 |
| Net loans and leases to total assets | 82.5400% | 372 |
| Net loans and leases to deposits | 91.8476% | 1,032 |
| Net loans and leases to core deposits | 114.4789% | 672 |
| Total domestic deposits to total assets | 89.8600% | 964 |
| Equity capital to assets | 8.8748% | 2,604 |
| Core capital (leverage) ratio | 9.0335% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4032% | 2,504 |
| Memoranda: | ||
| Average total assets | $485,511,000 | 1,760 |
| Average earning assets | $448,240,000 | 1,763 |
| Average equity | $41,368,000 | 1,831 |
| Average total loans | $402,215,333 | 1,449 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8499% | 389 |
| Cost of funding earning assets | 1.7851% | 464 |
| Net interest margin | 4.0648% | 1,150 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 3.0885% | 954 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.6373% | 3,616 |
| Return on assets (ROA) | 0.5084% | 3,840 |
| Pretax return on assets | 0.6455% | 3,763 |
| Return on Equity (ROE) | 6.0900% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.0893% | 2,739 |
| Net charge-offs to loans | -0.0010% | 3,324 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.6735% | 1,113 |
| Assets per employee ($millions) | 5.7136% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8518% | 599 |
| Loan loss allowance to noncurrent loans | 965.5352% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 2,448 |
| Noncurrent loans to loans | 0.1918% | 2,513 |
| Net loans and leases to total assets | 77.9600% | 771 |
| Net loans and leases to deposits | 86.6373% | 1,307 |
| Net loans and leases to core deposits | 108.1470% | 750 |
| Total domestic deposits to total assets | 89.9900% | 1,159 |
| Equity capital to assets | 8.0712% | 3,192 |
| Core capital (leverage) ratio | 8.6478% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7733% | 2,792 |
| Memoranda: | ||
| Average total assets | $490,200,500 | 1,765 |
| Average earning assets | $449,715,500 | 1,774 |
| Average equity | $40,924,000 | 1,870 |
| Average total loans | $402,636,500 | 1,467 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 365 |
| Cost of funding earning assets | 0.8247% | 361 |
| Net interest margin | 4.0741% | 697 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.7810% | 1,354 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 0.8362% | 3,202 |
| Return on assets (ROA) | 0.8271% | 3,156 |
| Pretax return on assets | 1.0408% | 2,941 |
| Return on Equity (ROE) | 10.0000% | 2,809 |
| Retained earnings to average equity (ytd only) | 9.9958% | 1,150 |
| Net charge-offs to loans | -0.0005% | 3,303 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.5067% | 2,022 |
| Assets per employee ($millions) | 5.6188% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 1,960 |
| Loan loss allowance to noncurrent loans | 850.9772% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 2,622 |
| Noncurrent loans to loans | 0.1513% | 2,742 |
| Net loans and leases to total assets | 83.8900% | 263 |
| Net loans and leases to deposits | 95.0524% | 709 |
| Net loans and leases to core deposits | 121.8762% | 339 |
| Total domestic deposits to total assets | 88.2500% | 1,997 |
| Equity capital to assets | 8.6402% | 2,603 |
| Core capital (leverage) ratio | 9.1938% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7737% | 2,797 |
| Memoranda: | ||
| Average total assets | $462,925,800 | 1,825 |
| Average earning assets | $433,124,800 | 1,812 |
| Average equity | $38,306,000 | 1,983 |
| Average total loans | $389,360,600 | 1,431 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 425 |
| Cost of funding earning assets | 0.6276% | 381 |
| Net interest margin | 3.9669% | 686 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.6369% | 1,628 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.9287% | 2,763 |
| Return on assets (ROA) | 0.9165% | 2,777 |
| Pretax return on assets | 1.1589% | 2,526 |
| Return on Equity (ROE) | 11.2000% | 2,300 |
| Retained earnings to average equity (ytd only) | 11.2049% | 999 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.2946% | 2,368 |
| Assets per employee ($millions) | 5.7642% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 2,706 |
| Loan loss allowance to noncurrent loans | 391.1038% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 1,935 |
| Noncurrent loans to loans | 0.2986% | 2,170 |
| Net loans and leases to total assets | 85.0000% | 182 |
| Net loans and leases to deposits | 95.3737% | 581 |
| Net loans and leases to core deposits | 120.6844% | 249 |
| Total domestic deposits to total assets | 89.1200% | 2,040 |
| Equity capital to assets | 8.1980% | 2,762 |
| Core capital (leverage) ratio | 8.8714% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3255% | 2,979 |
| Memoranda: | ||
| Average total assets | $459,256,750 | 1,840 |
| Average earning assets | $431,690,250 | 1,824 |
| Average equity | $37,566,000 | 2,044 |
| Average total loans | $385,233,250 | 1,433 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 535 |
| Cost of funding earning assets | 0.5245% | 451 |
| Net interest margin | 3.7609% | 819 |
| Noninterest income to average assets | 0.2287% | 3,819 |
| Noninterest expense to average assets | 2.5476% | 1,787 |
| Loan and lease loss provision to assets | 0.1231% | 803 |
| Net operating income to assets | 0.8751% | 2,685 |
| Return on assets (ROA) | 0.8751% | 2,660 |
| Pretax return on assets | 1.1086% | 2,373 |
| Return on Equity (ROE) | 10.7071% | 2,087 |
| Retained earnings to average equity (ytd only) | 10.7071% | 845 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2323% | 2,480 |
| Assets per employee ($millions) | 6.2834% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,103 |
| Loan loss allowance to noncurrent loans | 245.1013% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 1,436 |
| Noncurrent loans to loans | 0.4550% | 1,754 |
| Net loans and leases to total assets | 85.3905% | 113 |
| Net loans and leases to deposits | 97.3099% | 375 |
| Net loans and leases to core deposits | 117.4522% | 226 |
| Total domestic deposits to total assets | 87.7510% | 2,674 |
| Equity capital to assets | 8.1100% | 3,033 |
| Core capital (leverage) ratio | 8.5063% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8156% | 3,037 |
| Memoranda: | ||
| Average total assets | $454,788,333 | 1,862 |
| Average earning assets | $429,365,333 | 1,846 |
| Average equity | $37,171,667 | 2,105 |
| Average total loans | $378,143,000 | 1,447 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0695% | 670 |
| Cost of funding earning assets | 0.5168% | 456 |
| Net interest margin | 3.5527% | 978 |
| Noninterest income to average assets | 0.2357% | 3,729 |
| Noninterest expense to average assets | 2.5608% | 1,720 |
| Loan and lease loss provision to assets | 0.0934% | 883 |
| Net operating income to assets | 0.7543% | 2,834 |
| Return on assets (ROA) | 0.7543% | 2,826 |
| Pretax return on assets | 0.9509% | 2,600 |
| Return on Equity (ROE) | 9.1917% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.1917% | 1,217 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7755% | 2,263 |
| Assets per employee ($millions) | 7.2230% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 3,130 |
| Loan loss allowance to noncurrent loans | 427.2095% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 2,361 |
| Noncurrent loans to loans | 0.2679% | 2,515 |
| Net loans and leases to total assets | 79.1530% | 283 |
| Net loans and leases to deposits | 89.5888% | 531 |
| Net loans and leases to core deposits | 109.2894% | 275 |
| Total domestic deposits to total assets | 88.3515% | 2,360 |
| Equity capital to assets | 7.8353% | 3,698 |
| Core capital (leverage) ratio | 8.1663% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0254% | 3,046 |
| Memoranda: | ||
| Average total assets | $449,697,500 | 1,886 |
| Average earning assets | $426,493,000 | 1,864 |
| Average equity | $36,903,000 | 2,183 |
| Average total loans | $366,455,500 | 1,471 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 989 |
| Cost of funding earning assets | 0.6410% | 445 |
| Net interest margin | 3.5601% | 1,577 |
| Noninterest income to average assets | 0.9280% | 1,139 |
| Noninterest expense to average assets | 2.4912% | 2,204 |
| Loan and lease loss provision to assets | 0.1357% | 900 |
| Net operating income to assets | 1.2992% | 1,602 |
| Return on assets (ROA) | 1.3113% | 1,612 |
| Pretax return on assets | 1.6607% | 1,240 |
| Return on Equity (ROE) | 15.3276% | 878 |
| Retained earnings to average equity (ytd only) | 14.5025% | 268 |
| Net charge-offs to loans | -0.0019% | 3,352 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1177% | 3,565 |
| Assets per employee ($millions) | 6.6139% | 2,229 |
| Cash dividends to net income (ytd only)* | 5.3831% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 2,995 |
| Loan loss allowance to noncurrent loans | 1,016.4649% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 3,264 |
| Noncurrent loans to loans | 0.1157% | 3,351 |
| Net loans and leases to total assets | 82.0636% | 176 |
| Net loans and leases to deposits | 93.7606% | 392 |
| Net loans and leases to core deposits | 112.6005% | 251 |
| Total domestic deposits to total assets | 87.5246% | 2,273 |
| Equity capital to assets | 8.6113% | 3,977 |
| Core capital (leverage) ratio | 8.4258% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9059% | 3,053 |
| Memoranda: | ||
| Average total assets | $398,074,800 | 1,996 |
| Average earning assets | $373,954,000 | 1,990 |
| Average equity | $34,056,200 | 2,330 |
| Average total loans | $319,687,000 | 1,620 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1682% | 1,150 |
| Cost of funding earning assets | 0.6753% | 440 |
| Net interest margin | 3.4930% | 1,881 |
| Noninterest income to average assets | 1.0301% | 1,015 |
| Noninterest expense to average assets | 2.5199% | 2,062 |
| Loan and lease loss provision to assets | 0.1538% | 720 |
| Net operating income to assets | 1.2881% | 1,855 |
| Return on assets (ROA) | 1.3045% | 1,870 |
| Pretax return on assets | 1.6531% | 1,544 |
| Return on Equity (ROE) | 15.2759% | 1,097 |
| Retained earnings to average equity (ytd only) | 14.1513% | 494 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3141% | 3,381 |
| Assets per employee ($millions) | 6.5441% | 2,210 |
| Cash dividends to net income (ytd only)* | 7.3618% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 2,913 |
| Loan loss allowance to noncurrent loans | 1,088.0637% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 3,487 |
| Noncurrent loans to loans | 0.1118% | 3,534 |
| Net loans and leases to total assets | 80.8184% | 247 |
| Net loans and leases to deposits | 93.0073% | 450 |
| Net loans and leases to core deposits | 112.7209% | 279 |
| Total domestic deposits to total assets | 86.8947% | 2,393 |
| Equity capital to assets | 8.6381% | 4,111 |
| Core capital (leverage) ratio | 8.3791% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3781% | 3,051 |
| Memoranda: | ||
| Average total assets | $390,118,000 | 2,043 |
| Average earning assets | $365,868,250 | 2,040 |
| Average equity | $33,315,250 | 2,397 |
| Average total loans | $310,361,000 | 1,688 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 1,389 |
| Cost of funding earning assets | 0.7096% | 444 |
| Net interest margin | 3.3706% | 2,236 |
| Noninterest income to average assets | 0.8183% | 1,483 |
| Noninterest expense to average assets | 2.5349% | 2,035 |
| Loan and lease loss provision to assets | 0.1881% | 599 |
| Net operating income to assets | 0.9850% | 2,942 |
| Return on assets (ROA) | 0.9850% | 3,033 |
| Pretax return on assets | 1.2453% | 2,787 |
| Return on Equity (ROE) | 11.5824% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.8558% | 1,442 |
| Net charge-offs to loans | 0.0007% | 2,223 |
| Credit loss provision to net charge-offs | 36,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 2,743.0000% | 28 |
| Efficiency ratio | 62.5494% | 2,655 |
| Assets per employee ($millions) | 6.4805% | 2,179 |
| Cash dividends to net income (ytd only)* | 14.9072% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 2,712 |
| Loan loss allowance to noncurrent loans | 161.7339% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 1,375 |
| Noncurrent loans to loans | 0.7685% | 1,565 |
| Net loans and leases to total assets | 78.0572% | 443 |
| Net loans and leases to deposits | 89.9925% | 653 |
| Net loans and leases to core deposits | 111.3143% | 328 |
| Total domestic deposits to total assets | 86.7375% | 2,453 |
| Equity capital to assets | 8.2585% | 4,390 |
| Core capital (leverage) ratio | 8.0960% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3741% | 3,055 |
| Memoranda: | ||
| Average total assets | $382,732,000 | 2,070 |
| Average earning assets | $357,676,667 | 2,062 |
| Average equity | $32,549,333 | 2,426 |
| Average total loans | $301,382,333 | 1,738 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 1,419 |
| Cost of funding earning assets | 0.7804% | 390 |
| Net interest margin | 3.3087% | 2,369 |
| Noninterest income to average assets | 0.4552% | 2,811 |
| Noninterest expense to average assets | 2.4316% | 2,394 |
| Loan and lease loss provision to assets | 0.0973% | 1,383 |
| Net operating income to assets | 0.7914% | 3,452 |
| Return on assets (ROA) | 0.7914% | 3,521 |
| Pretax return on assets | 1.0023% | 3,361 |
| Return on Equity (ROE) | 9.1599% | 2,978 |
| Retained earnings to average equity (ytd only) | 7.4080% | 2,450 |
| Net charge-offs to loans | 0.0014% | 1,890 |
| Credit loss provision to net charge-offs | 9,000.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 1,017.0000% | 93 |
| Efficiency ratio | 67.2994% | 2,027 |
| Assets per employee ($millions) | 6.6242% | 2,074 |
| Cash dividends to net income (ytd only)* | 19.1257% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 2,705 |
| Loan loss allowance to noncurrent loans | 275.2759% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 2,018 |
| Noncurrent loans to loans | 0.4514% | 2,502 |
| Net loans and leases to total assets | 78.7498% | 420 |
| Net loans and leases to deposits | 91.6082% | 615 |
| Net loans and leases to core deposits | 108.5535% | 450 |
| Total domestic deposits to total assets | 85.9637% | 2,749 |
| Equity capital to assets | 8.5283% | 4,090 |
| Core capital (leverage) ratio | 8.1712% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9941% | 2,933 |
| Memoranda: | ||
| Average total assets | $369,963,000 | 2,108 |
| Average earning assets | $343,942,000 | 2,107 |
| Average equity | $31,965,500 | 2,441 |
| Average total loans | $290,726,000 | 1,788 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 933 |
| Cost of funding earning assets | 1.3272% | 163 |
| Net interest margin | 3.3518% | 2,920 |
| Noninterest income to average assets | 0.3400% | 3,428 |
| Noninterest expense to average assets | 2.3127% | 3,373 |
| Loan and lease loss provision to assets | 0.1659% | 2,307 |
| Net operating income to assets | 0.8243% | 2,995 |
| Return on assets (ROA) | 1.0883% | 2,091 |
| Pretax return on assets | 1.2450% | 2,174 |
| Return on Equity (ROE) | 12.8093% | 1,091 |
| Retained earnings to average equity (ytd only) | 6.1528% | 1,734 |
| Net charge-offs to loans | -0.0030% | 4,037 |
| Credit loss provision to net charge-offs | -7,025.0000% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8669% | 2,554 |
| Assets per employee ($millions) | 6.7102% | 1,776 |
| Cash dividends to net income (ytd only)* | 51.9664% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,394 |
| Loan loss allowance to noncurrent loans | 434.7619% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 1,781 |
| Noncurrent loans to loans | 0.2996% | 3,123 |
| Net loans and leases to total assets | 76.3678% | 746 |
| Net loans and leases to deposits | 90.1843% | 918 |
| Net loans and leases to core deposits | 110.2273% | 499 |
| Total domestic deposits to total assets | 84.6797% | 2,890 |
| Equity capital to assets | 8.7568% | 4,254 |
| Core capital (leverage) ratio | 8.1849% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8871% | 2,953 |
| Memoranda: | ||
| Average total assets | $338,782,400 | 2,103 |
| Average earning assets | $311,321,200 | 2,109 |
| Average equity | $28,783,800 | 2,543 |
| Average total loans | $267,415,600 | 1,839 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 943 |
| Cost of funding earning assets | 1.4406% | 149 |
| Net interest margin | 3.3219% | 3,122 |
| Noninterest income to average assets | 0.2639% | 3,885 |
| Noninterest expense to average assets | 2.2990% | 3,424 |
| Loan and lease loss provision to assets | 0.1811% | 2,170 |
| Net operating income to assets | 0.7573% | 3,260 |
| Return on assets (ROA) | 1.1279% | 2,010 |
| Pretax return on assets | 1.2472% | 2,239 |
| Return on Equity (ROE) | 13.3866% | 1,007 |
| Retained earnings to average equity (ytd only) | 6.2845% | 1,980 |
| Net charge-offs to loans | -0.0035% | 3,978 |
| Credit loss provision to net charge-offs | -6,457.1429% | 4,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5042% | 2,247 |
| Assets per employee ($millions) | 7.1472% | 1,401 |
| Cash dividends to net income (ytd only)* | 53.0540% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,411 |
| Loan loss allowance to noncurrent loans | 162.1897% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 1,879 |
| Noncurrent loans to loans | 0.7684% | 1,893 |
| Net loans and leases to total assets | 79.5424% | 650 |
| Net loans and leases to deposits | 94.4759% | 884 |
| Net loans and leases to core deposits | 119.1260% | 432 |
| Total domestic deposits to total assets | 84.1934% | 2,755 |
| Equity capital to assets | 8.1895% | 4,639 |
| Core capital (leverage) ratio | 7.9809% | 4,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1328% | 3,077 |
| Memoranda: | ||
| Average total assets | $332,890,750 | 2,106 |
| Average earning assets | $305,798,250 | 2,127 |
| Average equity | $28,047,250 | 2,596 |
| Average total loans | $264,177,000 | 1,843 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 1,015 |
| Cost of funding earning assets | 1.6086% | 107 |
| Net interest margin | 3.2661% | 3,473 |
| Noninterest income to average assets | 0.2780% | 3,810 |
| Noninterest expense to average assets | 2.2528% | 3,646 |
| Loan and lease loss provision to assets | 0.2308% | 1,823 |
| Net operating income to assets | 0.7398% | 3,243 |
| Return on assets (ROA) | 1.3457% | 1,331 |
| Pretax return on assets | 1.4177% | 1,686 |
| Return on Equity (ROE) | 15.8056% | 602 |
| Retained earnings to average equity (ytd only) | 13.9474% | 281 |
| Net charge-offs to loans | -0.0055% | 4,042 |
| Credit loss provision to net charge-offs | -5,314.2857% | 4,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1103% | 2,364 |
| Assets per employee ($millions) | 6.8699% | 1,521 |
| Cash dividends to net income (ytd only)* | 11.7566% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 1,979 |
| Loan loss allowance to noncurrent loans | 146.3804% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.7263% | 1,691 |
| Noncurrent loans to loans | 0.8915% | 1,715 |
| Net loans and leases to total assets | 80.4129% | 556 |
| Net loans and leases to deposits | 96.9753% | 725 |
| Net loans and leases to core deposits | 117.8404% | 480 |
| Total domestic deposits to total assets | 82.9211% | 3,107 |
| Equity capital to assets | 8.7777% | 4,288 |
| Core capital (leverage) ratio | 8.3131% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7379% | 3,037 |
| Memoranda: | ||
| Average total assets | $322,352,667 | 2,137 |
| Average earning assets | $294,661,333 | 2,156 |
| Average equity | $27,446,000 | 2,616 |
| Average total loans | $254,371,000 | 1,868 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 1,130 |
| Cost of funding earning assets | 1.6838% | 142 |
| Net interest margin | 3.2407% | 3,750 |
| Noninterest income to average assets | 0.2754% | 3,879 |
| Noninterest expense to average assets | 2.3044% | 3,763 |
| Loan and lease loss provision to assets | 0.1396% | 1,993 |
| Net operating income to assets | 0.6408% | 3,472 |
| Return on assets (ROA) | 0.6408% | 3,538 |
| Pretax return on assets | 0.8109% | 3,384 |
| Return on Equity (ROE) | 7.6530% | 2,656 |
| Retained earnings to average equity (ytd only) | 6.0618% | 1,845 |
| Net charge-offs to loans | -0.0098% | 4,074 |
| Credit loss provision to net charge-offs | -1,833.3333% | 3,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8109% | 2,537 |
| Assets per employee ($millions) | 6.8057% | 1,179 |
| Cash dividends to net income (ytd only)* | 20.7921% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 1,988 |
| Loan loss allowance to noncurrent loans | 131.6918% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 1,722 |
| Noncurrent loans to loans | 1.0126% | 1,635 |
| Net loans and leases to total assets | 76.7039% | 1,183 |
| Net loans and leases to deposits | 92.7733% | 1,204 |
| Net loans and leases to core deposits | 117.3119% | 547 |
| Total domestic deposits to total assets | 82.6788% | 3,215 |
| Equity capital to assets | 8.3337% | 4,883 |
| Core capital (leverage) ratio | 8.1841% | 4,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1670% | 3,301 |
| Memoranda: | ||
| Average total assets | $315,216,500 | 2,126 |
| Average earning assets | $289,817,000 | 2,136 |
| Average equity | $26,395,000 | 2,686 |
| Average total loans | $244,422,000 | 1,902 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1975% | 1,000 |
| Cost of funding earning assets | 1.8048% | 138 |
| Net interest margin | 3.3927% | 3,773 |
| Noninterest income to average assets | 0.2678% | 4,077 |
| Noninterest expense to average assets | 2.2822% | 3,987 |
| Loan and lease loss provision to assets | 0.2197% | 883 |
| Net operating income to assets | 0.6961% | 3,879 |
| Return on assets (ROA) | 0.7763% | 3,703 |
| Pretax return on assets | 0.9737% | 3,534 |
| Return on Equity (ROE) | 9.2533% | 2,639 |
| Retained earnings to average equity (ytd only) | 5.6723% | 2,041 |
| Net charge-offs to loans | 0.0146% | 3,184 |
| Credit loss provision to net charge-offs | 2,000.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 680 |
| Efficiency ratio | 65.5478% | 2,837 |
| Assets per employee ($millions) | 6.9014% | 1,084 |
| Cash dividends to net income (ytd only)* | 38.6997% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 1,785 |
| Loan loss allowance to noncurrent loans | 83.2250% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.2381% | 926 |
| Noncurrent loans to loans | 1.6009% | 880 |
| Net loans and leases to total assets | 76.3050% | 1,360 |
| Net loans and leases to deposits | 96.6149% | 876 |
| Net loans and leases to core deposits | 123.1716% | 400 |
| Total domestic deposits to total assets | 78.9786% | 4,193 |
| Equity capital to assets | 8.4147% | 4,945 |
| Core capital (leverage) ratio | 8.0042% | 5,036 |
| Tier 1 risk-based capital ratio | 9.9553% | 5,127 |
| Total risk-based capital ratio | 11.2058% | 5,089 |
| Memoranda: | ||
| Average total assets | $291,256,600 | 2,214 |
| Average earning assets | $266,781,400 | 2,234 |
| Average equity | $24,434,600 | 2,755 |
| Average total loans | $219,697,600 | 2,030 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2606% | 931 |
| Cost of funding earning assets | 1.7865% | 146 |
| Net interest margin | 3.4741% | 3,652 |
| Noninterest income to average assets | 0.2644% | 4,162 |
| Noninterest expense to average assets | 2.3428% | 3,839 |
| Loan and lease loss provision to assets | 0.2607% | 610 |
| Net operating income to assets | 0.6779% | 4,083 |
| Return on assets (ROA) | 0.7867% | 3,783 |
| Pretax return on assets | 0.9840% | 3,639 |
| Return on Equity (ROE) | 9.3848% | 2,725 |
| Retained earnings to average equity (ytd only) | 6.6748% | 2,022 |
| Net charge-offs to loans | 0.0255% | 2,589 |
| Credit loss provision to net charge-offs | 1,365.8537% | 272 |
| Earnings coverage of net charge-offs (x) | 58.0926% | 1,078 |
| Efficiency ratio | 65.8260% | 2,752 |
| Assets per employee ($millions) | 6.9344% | 1,046 |
| Cash dividends to net income (ytd only)* | 28.8757% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 1,841 |
| Loan loss allowance to noncurrent loans | 138.9808% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 1.1186% | 1,169 |
| Noncurrent loans to loans | 0.9563% | 1,685 |
| Net loans and leases to total assets | 75.6453% | 1,540 |
| Net loans and leases to deposits | 92.4447% | 1,379 |
| Net loans and leases to core deposits | 120.8361% | 506 |
| Total domestic deposits to total assets | 81.8277% | 3,521 |
| Equity capital to assets | 8.3579% | 5,047 |
| Core capital (leverage) ratio | 8.0182% | 5,116 |
| Tier 1 risk-based capital ratio | 9.8229% | 5,209 |
| Total risk-based capital ratio | 11.0730% | 5,180 |
| Memoranda: | ||
| Average total assets | $286,429,750 | 2,256 |
| Average earning assets | $262,776,750 | 2,269 |
| Average equity | $24,010,000 | 2,807 |
| Average total loans | $214,578,000 | 2,077 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 952 |
| Cost of funding earning assets | 1.7366% | 162 |
| Net interest margin | 3.4794% | 3,663 |
| Noninterest income to average assets | 0.2712% | 4,122 |
| Noninterest expense to average assets | 2.3376% | 3,901 |
| Loan and lease loss provision to assets | 0.3141% | 429 |
| Net operating income to assets | 0.6498% | 4,167 |
| Return on assets (ROA) | 0.8166% | 3,654 |
| Pretax return on assets | 1.0157% | 3,488 |
| Return on Equity (ROE) | 9.7308% | 2,519 |
| Retained earnings to average equity (ytd only) | 7.5788% | 1,567 |
| Net charge-offs to loans | 0.0471% | 1,970 |
| Credit loss provision to net charge-offs | 897.9592% | 380 |
| Earnings coverage of net charge-offs (x) | 32.0612% | 1,414 |
| Efficiency ratio | 65.4973% | 2,891 |
| Assets per employee ($millions) | 6.5445% | 1,214 |
| Cash dividends to net income (ytd only)* | 22.1154% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 1,843 |
| Loan loss allowance to noncurrent loans | 130.2885% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.2030% | 1,097 |
| Noncurrent loans to loans | 1.0302% | 1,590 |
| Net loans and leases to total assets | 76.0882% | 1,536 |
| Net loans and leases to deposits | 92.8977% | 1,386 |
| Net loans and leases to core deposits | 130.4031% | 322 |
| Total domestic deposits to total assets | 81.9053% | 3,539 |
| Equity capital to assets | 8.5016% | 5,041 |
| Core capital (leverage) ratio | 8.1412% | 5,127 |
| Tier 1 risk-based capital ratio | 9.9939% | 5,229 |
| Total risk-based capital ratio | 11.2446% | 5,172 |
| Memoranda: | ||
| Average total assets | $280,202,330 | 2,296 |
| Average earning assets | $256,713,000 | 2,318 |
| Average equity | $23,513,000 | 2,842 |
| Average total loans | $208,133,330 | 2,129 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1494% | 1,004 |
| Cost of funding earning assets | 1.7297% | 144 |
| Net interest margin | 3.4197% | 3,835 |
| Noninterest income to average assets | 0.2721% | 4,060 |
| Noninterest expense to average assets | 2.3523% | 3,891 |
| Loan and lease loss provision to assets | 0.1882% | 873 |
| Net operating income to assets | 0.6905% | 3,971 |
| Return on assets (ROA) | 0.6905% | 4,008 |
| Pretax return on assets | 0.8454% | 3,929 |
| Return on Equity (ROE) | 8.2852% | 3,123 |
| Retained earnings to average equity (ytd only) | 6.2009% | 2,368 |
| Net charge-offs to loans | -0.0676% | 4,916 |
| Credit loss provision to net charge-offs | -382.3529% | 3,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2937% | 2,742 |
| Assets per employee ($millions) | 6.3265% | 1,334 |
| Cash dividends to net income (ytd only)* | 25.1572% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 1,928 |
| Loan loss allowance to noncurrent loans | 74.1918% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.7560% | 607 |
| Noncurrent loans to loans | 1.8033% | 855 |
| Net loans and leases to total assets | 72.9600% | 1,994 |
| Net loans and leases to deposits | 88.1630% | 1,851 |
| Net loans and leases to core deposits | 120.6816% | 509 |
| Total domestic deposits to total assets | 82.7557% | 3,483 |
| Equity capital to assets | 8.5381% | 4,963 |
| Core capital (leverage) ratio | 8.0077% | 5,205 |
| Tier 1 risk-based capital ratio | 10.2039% | 5,244 |
| Total risk-based capital ratio | 11.4537% | 5,190 |
| Memoranda: | ||
| Average total assets | $276,324,500 | 2,331 |
| Average earning assets | $251,600,000 | 2,366 |
| Average equity | $23,029,000 | 2,883 |
| Average total loans | $201,158,500 | 2,201 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8896% | 1,319 |
| Cost of funding earning assets | 1.3035% | 214 |
| Net interest margin | 3.5862% | 3,431 |
| Noninterest income to average assets | 0.2936% | 4,143 |
| Noninterest expense to average assets | 2.4772% | 3,680 |
| Loan and lease loss provision to assets | 0.1249% | 1,763 |
| Net operating income to assets | 0.7899% | 3,840 |
| Return on assets (ROA) | 0.7899% | 3,843 |
| Pretax return on assets | 0.9752% | 3,686 |
| Return on Equity (ROE) | 9.1032% | 2,946 |
| Retained earnings to average equity (ytd only) | 6.2483% | 2,065 |
| Net charge-offs to loans | 0.3483% | 543 |
| Credit loss provision to net charge-offs | 45.9259% | 3,231 |
| Earnings coverage of net charge-offs (x) | 4.0459% | 3,341 |
| Efficiency ratio | 66.9632% | 2,719 |
| Assets per employee ($millions) | 6.6899% | 1,121 |
| Cash dividends to net income (ytd only)* | 31.3616% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 1,955 |
| Loan loss allowance to noncurrent loans | 125.8378% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 1,110 |
| Noncurrent loans to loans | 1.0480% | 1,560 |
| Net loans and leases to total assets | 70.6848% | 2,462 |
| Net loans and leases to deposits | 85.4690% | 2,352 |
| Net loans and leases to core deposits | 117.0734% | 647 |
| Total domestic deposits to total assets | 82.7022% | 3,424 |
| Equity capital to assets | 8.1270% | 5,118 |
| Core capital (leverage) ratio | 8.2355% | 5,153 |
| Tier 1 risk-based capital ratio | 10.0047% | 5,301 |
| Total risk-based capital ratio | 11.2289% | 5,264 |
| Memoranda: | ||
| Average total assets | $248,260,600 | 2,482 |
| Average earning assets | $227,317,800 | 2,501 |
| Average equity | $21,541,800 | 2,936 |
| Average total loans | $193,796,800 | 2,220 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 1,407 |
| Cost of funding earning assets | 1.2242% | 228 |
| Net interest margin | 3.5827% | 3,423 |
| Noninterest income to average assets | 0.3017% | 4,131 |
| Noninterest expense to average assets | 2.5331% | 3,492 |
| Loan and lease loss provision to assets | 0.1213% | 1,661 |
| Net operating income to assets | 0.7616% | 4,040 |
| Return on assets (ROA) | 0.7616% | 4,049 |
| Pretax return on assets | 0.9414% | 3,894 |
| Return on Equity (ROE) | 8.6225% | 3,280 |
| Retained earnings to average equity (ytd only) | 6.2936% | 2,495 |
| Net charge-offs to loans | 0.2913% | 570 |
| Credit loss provision to net charge-offs | 52.1327% | 2,812 |
| Earnings coverage of net charge-offs (x) | 4.5664% | 3,048 |
| Efficiency ratio | 68.1135% | 2,518 |
| Assets per employee ($millions) | 6.2197% | 1,336 |
| Cash dividends to net income (ytd only)* | 27.0093% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 1,734 |
| Loan loss allowance to noncurrent loans | 168.0708% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 1.1311% | 1,259 |
| Noncurrent loans to loans | 0.8281% | 2,052 |
| Net loans and leases to total assets | 78.4004% | 1,276 |
| Net loans and leases to deposits | 96.6613% | 1,078 |
| Net loans and leases to core deposits | 127.7199% | 372 |
| Total domestic deposits to total assets | 81.1083% | 3,841 |
| Equity capital to assets | 8.6882% | 4,806 |
| Core capital (leverage) ratio | 8.5461% | 5,073 |
| Tier 1 risk-based capital ratio | 10.1583% | 5,344 |
| Total risk-based capital ratio | 11.4094% | 5,274 |
| Memoranda: | ||
| Average total assets | $241,754,750 | 2,541 |
| Average earning assets | $222,283,250 | 2,556 |
| Average equity | $21,354,500 | 2,969 |
| Average total loans | $193,129,000 | 2,232 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 1,690 |
| Cost of funding earning assets | 1.1196% | 267 |
| Net interest margin | 3.5115% | 3,597 |
| Noninterest income to average assets | 0.2949% | 4,208 |
| Noninterest expense to average assets | 2.5337% | 3,541 |
| Loan and lease loss provision to assets | 0.1086% | 1,806 |
| Net operating income to assets | 0.7193% | 4,140 |
| Return on assets (ROA) | 0.7193% | 4,145 |
| Pretax return on assets | 0.8830% | 4,015 |
| Return on Equity (ROE) | 8.0968% | 3,459 |
| Retained earnings to average equity (ytd only) | 5.8116% | 2,657 |
| Net charge-offs to loans | 0.4406% | 348 |
| Credit loss provision to net charge-offs | 30.8057% | 2,622 |
| Earnings coverage of net charge-offs (x) | 2.8128% | 2,945 |
| Efficiency ratio | 69.4787% | 2,399 |
| Assets per employee ($millions) | 6.0459% | 1,430 |
| Cash dividends to net income (ytd only)* | 28.2230% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 1,829 |
| Loan loss allowance to noncurrent loans | 99.6632% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.5912% | 809 |
| Noncurrent loans to loans | 1.3809% | 1,232 |
| Net loans and leases to total assets | 78.9089% | 1,175 |
| Net loans and leases to deposits | 95.9061% | 1,152 |
| Net loans and leases to core deposits | 125.9087% | 411 |
| Total domestic deposits to total assets | 82.2773% | 3,637 |
| Equity capital to assets | 8.8655% | 4,675 |
| Core capital (leverage) ratio | 8.7054% | 4,954 |
| Tier 1 risk-based capital ratio | 10.1216% | 5,397 |
| Total risk-based capital ratio | 11.3724% | 5,325 |
| Memoranda: | ||
| Average total assets | $239,410,670 | 2,566 |
| Average earning assets | $220,248,000 | 2,585 |
| Average equity | $21,267,670 | 2,992 |
| Average total loans | $191,571,000 | 2,250 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 2,227 |
| Cost of funding earning assets | 1.0573% | 282 |
| Net interest margin | 3.3345% | 4,094 |
| Noninterest income to average assets | 0.2418% | 4,557 |
| Noninterest expense to average assets | 2.4870% | 3,686 |
| Loan and lease loss provision to assets | 0.1175% | 1,608 |
| Net operating income to assets | 0.5810% | 4,481 |
| Return on assets (ROA) | 0.5810% | 4,489 |
| Pretax return on assets | 0.7036% | 4,434 |
| Return on Equity (ROE) | 6.5340% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.0619% | 2,685 |
| Net charge-offs to loans | 0.8814% | 161 |
| Credit loss provision to net charge-offs | 16.6667% | 2,144 |
| Earnings coverage of net charge-offs (x) | 1.1643% | 2,585 |
| Efficiency ratio | 72.5888% | 2,106 |
| Assets per employee ($millions) | 6.0678% | 1,455 |
| Cash dividends to net income (ytd only)* | 7.2254% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 1,941 |
| Loan loss allowance to noncurrent loans | 82.7510% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.8272% | 660 |
| Noncurrent loans to loans | 1.6594% | 1,038 |
| Net loans and leases to total assets | 79.0648% | 1,070 |
| Net loans and leases to deposits | 96.2009% | 1,015 |
| Net loans and leases to core deposits | 128.9176% | 361 |
| Total domestic deposits to total assets | 82.1872% | 3,907 |
| Equity capital to assets | 8.9556% | 4,607 |
| Core capital (leverage) ratio | 8.5166% | 5,133 |
| Tier 1 risk-based capital ratio | 10.2096% | 5,441 |
| Total risk-based capital ratio | 11.4606% | 5,369 |
| Memoranda: | ||
| Average total assets | $238,197,500 | 2,601 |
| Average earning assets | $219,042,500 | 2,621 |
| Average equity | $21,181,500 | 3,026 |
| Average total loans | $190,609,500 | 2,267 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6519% | 1,303 |
| Cost of funding earning assets | 0.9017% | 370 |
| Net interest margin | 3.7501% | 2,604 |
| Noninterest income to average assets | 0.2908% | 4,382 |
| Noninterest expense to average assets | 2.5431% | 3,628 |
| Loan and lease loss provision to assets | 0.1410% | 1,612 |
| Net operating income to assets | 0.6662% | 3,747 |
| Return on assets (ROA) | 0.6848% | 3,712 |
| Pretax return on assets | 1.0977% | 3,193 |
| Return on Equity (ROE) | 7.5381% | 3,018 |
| Retained earnings to average equity (ytd only) | 3.8273% | 2,926 |
| Net charge-offs to loans | 0.0176% | 3,509 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 85.7813% | 728 |
| Efficiency ratio | 65.3828% | 3,368 |
| Assets per employee ($millions) | 6.1475% | 1,417 |
| Cash dividends to net income (ytd only)* | 49.2278% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 1,284 |
| Loan loss allowance to noncurrent loans | 445.7014% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.7854% | 1,984 |
| Noncurrent loans to loans | 0.3462% | 3,517 |
| Net loans and leases to total assets | 78.6470% | 1,192 |
| Net loans and leases to deposits | 97.4304% | 949 |
| Net loans and leases to core deposits | 128.3714% | 377 |
| Total domestic deposits to total assets | 80.7212% | 4,186 |
| Equity capital to assets | 8.8300% | 4,869 |
| Core capital (leverage) ratio | 8.5538% | 5,092 |
| Tier 1 risk-based capital ratio | 10.2495% | 5,463 |
| Total risk-based capital ratio | 11.5028% | 5,387 |
| Memoranda: | ||
| Average total assets | $226,924,200 | 2,662 |
| Average earning assets | $209,485,800 | 2,672 |
| Average equity | $20,615,200 | 3,068 |
| Average total loans | $181,934,400 | 2,308 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 1,335 |
| Cost of funding earning assets | 0.8702% | 414 |
| Net interest margin | 3.7429% | 2,600 |
| Noninterest income to average assets | 0.2879% | 4,468 |
| Noninterest expense to average assets | 2.5967% | 3,420 |
| Loan and lease loss provision to assets | 0.1907% | 1,015 |
| Net operating income to assets | 0.6922% | 4,017 |
| Return on assets (ROA) | 0.7205% | 3,929 |
| Pretax return on assets | 1.0054% | 3,665 |
| Return on Equity (ROE) | 7.8722% | 3,194 |
| Retained earnings to average equity (ytd only) | 5.6909% | 2,436 |
| Net charge-offs to loans | 0.0089% | 3,411 |
| Credit loss provision to net charge-offs | 2,666.6667% | 165 |
| Earnings coverage of net charge-offs (x) | 161.7463% | 510 |
| Efficiency ratio | 66.7672% | 3,089 |
| Assets per employee ($millions) | 5.9773% | 1,511 |
| Cash dividends to net income (ytd only)* | 27.7091% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 1,326 |
| Loan loss allowance to noncurrent loans | 106.5163% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.7215% | 833 |
| Noncurrent loans to loans | 1.4655% | 1,272 |
| Net loans and leases to total assets | 80.4812% | 916 |
| Net loans and leases to deposits | 100.3053% | 723 |
| Net loans and leases to core deposits | 135.8983% | 258 |
| Total domestic deposits to total assets | 80.2363% | 4,270 |
| Equity capital to assets | 9.0784% | 4,838 |
| Core capital (leverage) ratio | 8.7117% | 5,049 |
| Tier 1 risk-based capital ratio | 10.3187% | 5,505 |
| Total risk-based capital ratio | 11.5726% | 5,450 |
| Memoranda: | ||
| Average total assets | $223,717,500 | 2,715 |
| Average earning assets | $207,145,250 | 2,716 |
| Average equity | $20,476,500 | 3,106 |
| Average total loans | $179,540,000 | 2,344 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 1,419 |
| Cost of funding earning assets | 0.8396% | 423 |
| Net interest margin | 3.6976% | 2,669 |
| Noninterest income to average assets | 0.2974% | 4,411 |
| Noninterest expense to average assets | 2.6439% | 3,294 |
| Loan and lease loss provision to assets | 0.1813% | 1,042 |
| Net operating income to assets | 0.6450% | 4,109 |
| Return on assets (ROA) | 0.6854% | 3,973 |
| Pretax return on assets | 0.9466% | 3,777 |
| Return on Equity (ROE) | 7.4675% | 3,302 |
| Retained earnings to average equity (ytd only) | 4.1585% | 3,232 |
| Net charge-offs to loans | 0.0034% | 3,367 |
| Credit loss provision to net charge-offs | 6,666.6667% | 55 |
| Earnings coverage of net charge-offs (x) | 394.0000% | 213 |
| Efficiency ratio | 68.6920% | 2,895 |
| Assets per employee ($millions) | 5.7510% | 1,651 |
| Cash dividends to net income (ytd only)* | 44.3122% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 1,328 |
| Loan loss allowance to noncurrent loans | 125.8348% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.5587% | 961 |
| Noncurrent loans to loans | 1.2487% | 1,551 |
| Net loans and leases to total assets | 79.9892% | 959 |
| Net loans and leases to deposits | 100.5121% | 700 |
| Net loans and leases to core deposits | 127.0876% | 363 |
| Total domestic deposits to total assets | 79.5817% | 4,501 |
| Equity capital to assets | 9.2336% | 4,690 |
| Core capital (leverage) ratio | 8.7964% | 4,952 |
| Tier 1 risk-based capital ratio | 9.5816% | 5,702 |
| Total risk-based capital ratio | 10.8337% | 5,683 |
| Memoranda: | ||
| Average total assets | $220,585,330 | 2,760 |
| Average earning assets | $203,914,670 | 2,767 |
| Average equity | $20,247,670 | 3,131 |
| Average total loans | $175,857,330 | 2,384 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 1,493 |
| Cost of funding earning assets | 0.7902% | 518 |
| Net interest margin | 3.6613% | 2,645 |
| Noninterest income to average assets | 0.2963% | 4,434 |
| Noninterest expense to average assets | 2.3645% | 4,212 |
| Loan and lease loss provision to assets | 0.1463% | 1,278 |
| Net operating income to assets | 0.8247% | 3,101 |
| Return on assets (ROA) | 0.8247% | 3,157 |
| Pretax return on assets | 1.1576% | 2,753 |
| Return on Equity (ROE) | 9.0126% | 2,417 |
| Retained earnings to average equity (ytd only) | 8.3131% | 1,338 |
| Net charge-offs to loans | -0.0023% | 4,021 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9143% | 4,159 |
| Assets per employee ($millions) | 5.8310% | 1,619 |
| Cash dividends to net income (ytd only)* | 7.7605% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 1,371 |
| Loan loss allowance to noncurrent loans | 101.4027% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.8211% | 771 |
| Noncurrent loans to loans | 1.5815% | 1,234 |
| Net loans and leases to total assets | 78.1201% | 1,119 |
| Net loans and leases to deposits | 93.3859% | 1,177 |
| Net loans and leases to core deposits | 119.2696% | 481 |
| Total domestic deposits to total assets | 83.6530% | 3,603 |
| Equity capital to assets | 9.4217% | 4,372 |
| Core capital (leverage) ratio | 9.1585% | 4,534 |
| Tier 1 risk-based capital ratio | 10.1759% | 5,657 |
| Total risk-based capital ratio | 11.4280% | 5,610 |
| Memoranda: | ||
| Average total assets | $218,733,500 | 2,801 |
| Average earning assets | $201,460,500 | 2,818 |
| Average equity | $20,016,500 | 3,173 |
| Average total loans | $172,650,500 | 2,429 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 1,614 |
| Cost of funding earning assets | 0.8057% | 488 |
| Net interest margin | 3.6690% | 2,824 |
| Noninterest income to average assets | 0.2460% | 4,950 |
| Noninterest expense to average assets | 2.5449% | 3,859 |
| Loan and lease loss provision to assets | 0.2824% | 702 |
| Net operating income to assets | 0.6124% | 4,154 |
| Return on assets (ROA) | 0.7174% | 3,816 |
| Pretax return on assets | 1.0019% | 3,471 |
| Return on Equity (ROE) | 7.8881% | 3,007 |
| Retained earnings to average equity (ytd only) | -5.7989% | 5,700 |
| Net charge-offs to loans | 0.1087% | 2,183 |
| Credit loss provision to net charge-offs | 317.9191% | 936 |
| Earnings coverage of net charge-offs (x) | 12.8150% | 2,416 |
| Efficiency ratio | 67.6844% | 3,309 |
| Assets per employee ($millions) | 5.9925% | 1,492 |
| Cash dividends to net income (ytd only)* | 173.5147% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,560 |
| Loan loss allowance to noncurrent loans | 378.2979% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.8682% | 2,176 |
| Noncurrent loans to loans | 0.4051% | 3,697 |
| Net loans and leases to total assets | 77.2800% | 1,315 |
| Net loans and leases to deposits | 98.9839% | 742 |
| Net loans and leases to core deposits | 128.9237% | 300 |
| Total domestic deposits to total assets | 78.0733% | 4,968 |
| Equity capital to assets | 8.8877% | 4,925 |
| Core capital (leverage) ratio | 8.8631% | 4,894 |
| Tier 1 risk-based capital ratio | 9.7470% | 5,790 |
| Total risk-based capital ratio | 10.9987% | 5,767 |
| Memoranda: | ||
| Average total assets | $194,739,000 | 3,012 |
| Average earning assets | $182,448,200 | 2,990 |
| Average equity | $17,710,200 | 3,454 |
| Average total loans | $159,211,400 | 2,527 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 1,689 |
| Cost of funding earning assets | 0.8225% | 444 |
| Net interest margin | 3.6296% | 2,968 |
| Noninterest income to average assets | 0.2305% | 5,094 |
| Noninterest expense to average assets | 2.6256% | 3,578 |
| Loan and lease loss provision to assets | 0.3192% | 523 |
| Net operating income to assets | 0.5121% | 4,653 |
| Return on assets (ROA) | 0.6582% | 4,163 |
| Pretax return on assets | 0.9128% | 3,934 |
| Return on Equity (ROE) | 7.1889% | 3,454 |
| Retained earnings to average equity (ytd only) | -7.3439% | 5,799 |
| Net charge-offs to loans | 0.0094% | 3,601 |
| Credit loss provision to net charge-offs | 4,090.9091% | 133 |
| Earnings coverage of net charge-offs (x) | 131.8759% | 515 |
| Efficiency ratio | 70.5414% | 2,817 |
| Assets per employee ($millions) | 5.7485% | 1,621 |
| Cash dividends to net income (ytd only)* | 202.1555% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 1,548 |
| Loan loss allowance to noncurrent loans | 84.2284% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.4832% | 1,216 |
| Noncurrent loans to loans | 1.8719% | 1,079 |
| Net loans and leases to total assets | 77.9884% | 1,197 |
| Net loans and leases to deposits | 98.3183% | 829 |
| Net loans and leases to core deposits | 124.8844% | 394 |
| Total domestic deposits to total assets | 79.3224% | 4,650 |
| Equity capital to assets | 9.5050% | 4,656 |
| Core capital (leverage) ratio | 8.9743% | 4,857 |
| Tier 1 risk-based capital ratio | 9.9780% | 5,794 |
| Total risk-based capital ratio | 11.2301% | 5,756 |
| Memoranda: | ||
| Average total assets | $187,993,500 | 3,091 |
| Average earning assets | $177,351,250 | 3,049 |
| Average equity | $17,211,250 | 3,553 |
| Average total loans | $155,511,000 | 2,574 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 1,634 |
| Cost of funding earning assets | 0.8464% | 386 |
| Net interest margin | 3.6163% | 3,032 |
| Noninterest income to average assets | 0.1934% | 5,337 |
| Noninterest expense to average assets | 2.6293% | 3,615 |
| Loan and lease loss provision to assets | 0.3374% | 487 |
| Net operating income to assets | 0.4641% | 4,821 |
| Return on assets (ROA) | 0.6725% | 4,085 |
| Pretax return on assets | 0.9413% | 3,800 |
| Return on Equity (ROE) | 7.4623% | 3,286 |
| Retained earnings to average equity (ytd only) | -15.2614% | 5,936 |
| Net charge-offs to loans | 0.0147% | 3,240 |
| Credit loss provision to net charge-offs | 2,727.2727% | 164 |
| Earnings coverage of net charge-offs (x) | 79.6364% | 706 |
| Efficiency ratio | 72.7442% | 2,558 |
| Assets per employee ($millions) | 5.5250% | 1,774 |
| Cash dividends to net income (ytd only)* | 304.5151% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 1,315 |
| Loan loss allowance to noncurrent loans | 75.4314% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.8752% | 901 |
| Noncurrent loans to loans | 2.2291% | 836 |
| Net loans and leases to total assets | 82.7100% | 547 |
| Net loans and leases to deposits | 104.8773% | 415 |
| Net loans and leases to core deposits | 141.4458% | 175 |
| Total domestic deposits to total assets | 78.8636% | 4,817 |
| Equity capital to assets | 8.5940% | 5,543 |
| Core capital (leverage) ratio | 8.5607% | 5,308 |
| Tier 1 risk-based capital ratio | 9.3602% | 5,972 |
| Total risk-based capital ratio | 10.6139% | 5,958 |
| Memoranda: | ||
| Average total assets | $177,843,330 | 3,217 |
| Average earning assets | $168,236,000 | 3,167 |
| Average equity | $16,027,330 | 3,728 |
| Average total loans | $149,651,330 | 2,654 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 1,322 |
| Cost of funding earning assets | 0.8995% | 296 |
| Net interest margin | 3.6774% | 2,770 |
| Noninterest income to average assets | 0.1982% | 5,318 |
| Noninterest expense to average assets | 2.5216% | 4,005 |
| Loan and lease loss provision to assets | 0.3417% | 439 |
| Net operating income to assets | 0.5789% | 4,276 |
| Return on assets (ROA) | 0.7358% | 3,666 |
| Pretax return on assets | 1.0296% | 3,364 |
| Return on Equity (ROE) | 7.9721% | 2,929 |
| Retained earnings to average equity (ytd only) | 7.9721% | 1,465 |
| Net charge-offs to loans | 0.0325% | 2,308 |
| Credit loss provision to net charge-offs | 1,250.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 42.0833% | 985 |
| Efficiency ratio | 68.6725% | 3,350 |
| Assets per employee ($millions) | 5.3359% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 1,576 |
| Loan loss allowance to noncurrent loans | 222.3443% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 3,201 |
| Noncurrent loans to loans | 0.7241% | 3,027 |
| Net loans and leases to total assets | 84.2713% | 344 |
| Net loans and leases to deposits | 107.2577% | 300 |
| Net loans and leases to core deposits | 139.8810% | 169 |
| Total domestic deposits to total assets | 78.5690% | 5,051 |
| Equity capital to assets | 9.5822% | 4,581 |
| Core capital (leverage) ratio | 9.9151% | 3,643 |
| Tier 1 risk-based capital ratio | 10.5694% | 5,720 |
| Total risk-based capital ratio | 11.8224% | 5,626 |
| Memoranda: | ||
| Average total assets | $175,602,500 | 3,252 |
| Average earning assets | $165,877,500 | 3,202 |
| Average equity | $16,206,500 | 3,701 |
| Average total loans | $147,787,000 | 2,683 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6044% | 1,321 |
| Cost of funding earning assets | 0.8008% | 488 |
| Net interest margin | 3.8036% | 2,363 |
| Noninterest income to average assets | 0.2097% | 5,341 |
| Noninterest expense to average assets | 2.3049% | 4,777 |
| Loan and lease loss provision to assets | 0.2706% | 678 |
| Net operating income to assets | 0.8466% | 3,131 |
| Return on assets (ROA) | 0.8886% | 3,014 |
| Pretax return on assets | 1.2791% | 2,362 |
| Return on Equity (ROE) | 9.7193% | 2,122 |
| Retained earnings to average equity (ytd only) | 8.1050% | 879 |
| Net charge-offs to loans | 0.0059% | 4,248 |
| Credit loss provision to net charge-offs | 5,500.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 302.6250% | 236 |
| Efficiency ratio | 60.7554% | 4,794 |
| Assets per employee ($millions) | 5.4725% | 1,838 |
| Cash dividends to net income (ytd only)* | 16.6090% | 3,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 1,671 |
| Loan loss allowance to noncurrent loans | 1,198.9529% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 5,157 |
| Noncurrent loans to loans | 0.1319% | 4,961 |
| Net loans and leases to total assets | 81.3538% | 658 |
| Net loans and leases to deposits | 102.4029% | 523 |
| Net loans and leases to core deposits | 131.5476% | 245 |
| Total domestic deposits to total assets | 79.4448% | 4,879 |
| Equity capital to assets | 8.8740% | 5,245 |
| Core capital (leverage) ratio | 8.9861% | 4,903 |
| Tier 1 risk-based capital ratio | 9.7830% | 6,000 |
| Total risk-based capital ratio | 11.0363% | 5,969 |
| Memoranda: | ||
| Average total assets | $162,612,200 | 3,397 |
| Average earning assets | $153,222,600 | 3,352 |
| Average equity | $14,867,400 | 3,859 |
| Average total loans | $135,819,800 | 2,786 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5681% | 1,417 |
| Cost of funding earning assets | 0.7814% | 555 |
| Net interest margin | 3.7867% | 2,435 |
| Noninterest income to average assets | 0.2174% | 5,358 |
| Noninterest expense to average assets | 2.1861% | 5,087 |
| Loan and lease loss provision to assets | 0.3010% | 488 |
| Net operating income to assets | 0.9035% | 2,947 |
| Return on assets (ROA) | 0.9497% | 2,810 |
| Pretax return on assets | 1.3744% | 2,122 |
| Return on Equity (ROE) | 10.3041% | 1,973 |
| Retained earnings to average equity (ytd only) | 9.9957% | 635 |
| Net charge-offs to loans | 0.0120% | 3,754 |
| Credit loss provision to net charge-offs | 3,000.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 160.3294% | 437 |
| Efficiency ratio | 57.6118% | 5,168 |
| Assets per employee ($millions) | 5.6403% | 1,644 |
| Cash dividends to net income (ytd only)* | 2.9928% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 1,999 |
| Loan loss allowance to noncurrent loans | 787.8571% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 5,093 |
| Noncurrent loans to loans | 0.1955% | 4,864 |
| Net loans and leases to total assets | 83.3585% | 440 |
| Net loans and leases to deposits | 106.3309% | 353 |
| Net loans and leases to core deposits | 131.9124% | 255 |
| Total domestic deposits to total assets | 78.3954% | 5,112 |
| Equity capital to assets | 9.0261% | 5,285 |
| Core capital (leverage) ratio | 9.2611% | 4,643 |
| Tier 1 risk-based capital ratio | 10.1352% | 6,002 |
| Total risk-based capital ratio | 11.3881% | 5,945 |
| Memoranda: | ||
| Average total assets | $159,485,500 | 3,466 |
| Average earning assets | $150,665,500 | 3,423 |
| Average equity | $14,699,250 | 3,920 |
| Average total loans | $133,585,750 | 2,840 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5335% | 1,441 |
| Cost of funding earning assets | 0.7723% | 576 |
| Net interest margin | 3.7613% | 2,471 |
| Noninterest income to average assets | 0.2150% | 5,408 |
| Noninterest expense to average assets | 2.1249% | 5,287 |
| Loan and lease loss provision to assets | 0.3072% | 489 |
| Net operating income to assets | 0.9288% | 2,736 |
| Return on assets (ROA) | 0.9703% | 2,645 |
| Pretax return on assets | 1.4029% | 1,970 |
| Return on Equity (ROE) | 10.4494% | 1,868 |
| Retained earnings to average equity (ytd only) | 9.9669% | 670 |
| Net charge-offs to loans | 0.0199% | 3,283 |
| Credit loss provision to net charge-offs | 1,846.1538% | 209 |
| Earnings coverage of net charge-offs (x) | 99.1538% | 603 |
| Efficiency ratio | 56.2903% | 5,402 |
| Assets per employee ($millions) | 6.1778% | 1,228 |
| Cash dividends to net income (ytd only)* | 4.6174% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 2,272 |
| Loan loss allowance to noncurrent loans | 1,219.2982% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 5,440 |
| Noncurrent loans to loans | 0.1236% | 5,261 |
| Net loans and leases to total assets | 84.8634% | 302 |
| Net loans and leases to deposits | 105.8833% | 378 |
| Net loans and leases to core deposits | 130.6712% | 263 |
| Total domestic deposits to total assets | 80.1480% | 4,830 |
| Equity capital to assets | 9.1792% | 5,042 |
| Core capital (leverage) ratio | 9.1945% | 4,700 |
| Tier 1 risk-based capital ratio | 10.1380% | 6,044 |
| Total risk-based capital ratio | 11.3900% | 5,989 |
| Memoranda: | ||
| Average total assets | $156,244,330 | 3,542 |
| Average earning assets | $147,876,330 | 3,489 |
| Average equity | $14,508,000 | 3,961 |
| Average total loans | $130,362,330 | 2,905 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4410% | 1,634 |
| Cost of funding earning assets | 0.7305% | 729 |
| Net interest margin | 3.7105% | 2,582 |
| Noninterest income to average assets | 0.1921% | 5,557 |
| Noninterest expense to average assets | 2.1733% | 5,217 |
| Loan and lease loss provision to assets | 0.3116% | 448 |
| Net operating income to assets | 0.8311% | 3,107 |
| Return on assets (ROA) | 0.8439% | 3,163 |
| Pretax return on assets | 1.2074% | 2,637 |
| Return on Equity (ROE) | 9.0341% | 2,428 |
| Retained earnings to average equity (ytd only) | 8.0612% | 1,549 |
| Net charge-offs to loans | 0.0443% | 2,360 |
| Credit loss provision to net charge-offs | 857.1429% | 367 |
| Earnings coverage of net charge-offs (x) | 41.2857% | 955 |
| Efficiency ratio | 59.1519% | 5,205 |
| Assets per employee ($millions) | 5.8023% | 1,551 |
| Cash dividends to net income (ytd only)* | 10.7692% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 2,418 |
| Loan loss allowance to noncurrent loans | 529.3801% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 4,987 |
| Noncurrent loans to loans | 0.2845% | 4,754 |
| Net loans and leases to total assets | 81.9881% | 461 |
| Net loans and leases to deposits | 106.4317% | 300 |
| Net loans and leases to core deposits | 135.0248% | 194 |
| Total domestic deposits to total assets | 77.0335% | 5,605 |
| Equity capital to assets | 9.3028% | 4,962 |
| Core capital (leverage) ratio | 9.7159% | 3,995 |
| Tier 1 risk-based capital ratio | 10.1111% | 6,138 |
| Total risk-based capital ratio | 11.3605% | 6,087 |
| Memoranda: | ||
| Average total assets | $154,054,500 | 3,589 |
| Average earning assets | $144,562,500 | 3,557 |
| Average equity | $14,390,000 | 4,016 |
| Average total loans | $126,345,500 | 2,975 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 1,715 |
| Cost of funding earning assets | 0.7288% | 955 |
| Net interest margin | 3.8151% | 2,570 |
| Noninterest income to average assets | 0.2329% | 5,467 |
| Noninterest expense to average assets | 2.2929% | 5,130 |
| Loan and lease loss provision to assets | 0.2662% | 824 |
| Net operating income to assets | 0.8913% | 2,921 |
| Return on assets (ROA) | 0.9019% | 2,950 |
| Pretax return on assets | 1.2757% | 2,324 |
| Return on Equity (ROE) | 9.9022% | 2,160 |
| Retained earnings to average equity (ytd only) | 8.3244% | 898 |
| Net charge-offs to loans | -0.0070% | 5,509 |
| Credit loss provision to net charge-offs | -4,700.0000% | 6,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6553% | 5,268 |
| Assets per employee ($millions) | 5.6091% | 1,686 |
| Cash dividends to net income (ytd only)* | 15.9341% | 3,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 2,393 |
| Loan loss allowance to noncurrent loans | 487.4016% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 5,018 |
| Noncurrent loans to loans | 0.3116% | 4,724 |
| Net loans and leases to total assets | 79.5168% | 808 |
| Net loans and leases to deposits | 101.1032% | 564 |
| Net loans and leases to core deposits | 136.1765% | 192 |
| Total domestic deposits to total assets | 78.6492% | 5,319 |
| Equity capital to assets | 9.3802% | 4,872 |
| Core capital (leverage) ratio | 9.5829% | 4,129 |
| Tier 1 risk-based capital ratio | 10.7518% | 6,012 |
| Total risk-based capital ratio | 11.9473% | 5,967 |
| Memoranda: | ||
| Average total assets | $141,259,800 | 3,774 |
| Average earning assets | $132,813,400 | 3,708 |
| Average equity | $12,865,800 | 4,214 |
| Average total loans | $113,531,400 | 3,149 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4987% | 1,876 |
| Cost of funding earning assets | 0.7213% | 1,042 |
| Net interest margin | 3.7774% | 2,704 |
| Noninterest income to average assets | 0.2480% | 5,438 |
| Noninterest expense to average assets | 2.2415% | 5,248 |
| Loan and lease loss provision to assets | 0.2518% | 853 |
| Net operating income to assets | 0.9317% | 2,773 |
| Return on assets (ROA) | 0.9535% | 2,750 |
| Pretax return on assets | 1.3495% | 2,198 |
| Return on Equity (ROE) | 10.5551% | 1,965 |
| Retained earnings to average equity (ytd only) | 10.3104% | 628 |
| Net charge-offs to loans | -0.0036% | 5,248 |
| Credit loss provision to net charge-offs | -8,733.3333% | 6,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2955% | 5,406 |
| Assets per employee ($millions) | 5.4970% | 1,730 |
| Cash dividends to net income (ytd only)* | 2.3189% | 3,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 3,000 |
| Loan loss allowance to noncurrent loans | 955.4945% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 5,679 |
| Noncurrent loans to loans | 0.1506% | 5,459 |
| Net loans and leases to total assets | 80.2525% | 690 |
| Net loans and leases to deposits | 103.7155% | 420 |
| Net loans and leases to core deposits | 141.6475% | 146 |
| Total domestic deposits to total assets | 77.3776% | 5,619 |
| Equity capital to assets | 9.4550% | 4,851 |
| Core capital (leverage) ratio | 9.7383% | 4,013 |
| Tier 1 risk-based capital ratio | 10.8677% | 6,055 |
| Total risk-based capital ratio | 12.0640% | 6,030 |
| Memoranda: | ||
| Average total assets | $138,713,250 | 3,855 |
| Average earning assets | $130,879,000 | 3,773 |
| Average equity | $12,530,750 | 4,297 |
| Average total loans | $111,343,750 | 3,212 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4491% | 1,999 |
| Cost of funding earning assets | 0.7271% | 1,037 |
| Net interest margin | 3.7220% | 2,869 |
| Noninterest income to average assets | 0.2347% | 5,521 |
| Noninterest expense to average assets | 2.2882% | 5,181 |
| Loan and lease loss provision to assets | 0.2480% | 890 |
| Net operating income to assets | 0.8506% | 3,069 |
| Return on assets (ROA) | 0.8548% | 3,149 |
| Pretax return on assets | 1.2031% | 2,657 |
| Return on Equity (ROE) | 9.6259% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.6259% | 811 |
| Net charge-offs to loans | -0.0037% | 5,128 |
| Credit loss provision to net charge-offs | -8,400.0000% | 5,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6959% | 5,193 |
| Assets per employee ($millions) | 5.2524% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 3,181 |
| Loan loss allowance to noncurrent loans | 1,293.7008% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 5,891 |
| Noncurrent loans to loans | 0.1107% | 5,683 |
| Net loans and leases to total assets | 79.7490% | 717 |
| Net loans and leases to deposits | 97.9992% | 666 |
| Net loans and leases to core deposits | 119.4950% | 390 |
| Total domestic deposits to total assets | 81.3771% | 4,847 |
| Equity capital to assets | 9.5688% | 4,667 |
| Core capital (leverage) ratio | 9.9596% | 3,666 |
| Tier 1 risk-based capital ratio | 11.4632% | 5,822 |
| Total risk-based capital ratio | 12.7145% | 5,774 |
| Memoranda: | ||
| Average total assets | $135,478,000 | 3,931 |
| Average earning assets | $127,351,330 | 3,867 |
| Average equity | $12,030,000 | 4,391 |
| Average total loans | $108,175,330 | 3,283 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3575% | 2,302 |
| Cost of funding earning assets | 0.7160% | 1,148 |
| Net interest margin | 3.6415% | 3,092 |
| Noninterest income to average assets | 0.1995% | 5,760 |
| Noninterest expense to average assets | 2.3249% | 5,135 |
| Loan and lease loss provision to assets | 0.2540% | 844 |
| Net operating income to assets | 0.7234% | 3,570 |
| Return on assets (ROA) | 0.7256% | 3,643 |
| Pretax return on assets | 1.0218% | 3,244 |
| Return on Equity (ROE) | 8.5258% | 2,676 |
| Retained earnings to average equity (ytd only) | 8.5258% | 1,408 |
| Net charge-offs to loans | -0.0153% | 5,216 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9496% | 4,866 |
| Assets per employee ($millions) | 5.0538% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 3,125 |
| Loan loss allowance to noncurrent loans | 149.8081% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7930% | 3,761 |
| Noncurrent loans to loans | 1.0053% | 3,411 |
| Net loans and leases to total assets | 77.6971% | 798 |
| Net loans and leases to deposits | 90.8681% | 1,052 |
| Net loans and leases to core deposits | 112.7475% | 500 |
| Total domestic deposits to total assets | 85.5053% | 3,610 |
| Equity capital to assets | 8.7458% | 5,399 |
| Core capital (leverage) ratio | 9.1692% | 4,765 |
| Tier 1 risk-based capital ratio | 10.2876% | 6,397 |
| Total risk-based capital ratio | 11.5390% | 6,351 |
| Memoranda: | ||
| Average total assets | $132,309,500 | 4,024 |
| Average earning assets | $123,465,500 | 3,975 |
| Average equity | $11,260,000 | 4,558 |
| Average total loans | $104,893,500 | 3,368 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6052% | 1,862 |
| Cost of funding earning assets | 0.7238% | 1,656 |
| Net interest margin | 3.8814% | 2,365 |
| Noninterest income to average assets | 0.2151% | 5,793 |
| Noninterest expense to average assets | 2.2339% | 5,544 |
| Loan and lease loss provision to assets | 0.1701% | 2,157 |
| Net operating income to assets | 0.9990% | 2,323 |
| Return on assets (ROA) | 1.0205% | 2,306 |
| Pretax return on assets | 1.4727% | 1,543 |
| Return on Equity (ROE) | 11.6424% | 1,538 |
| Retained earnings to average equity (ytd only) | 10.1032% | 549 |
| Net charge-offs to loans | -0.0164% | 6,104 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3889% | 5,804 |
| Assets per employee ($millions) | 4.9340% | 2,260 |
| Cash dividends to net income (ytd only)* | 13.2212% | 3,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 3,709 |
| Loan loss allowance to noncurrent loans | 1,115.9091% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 6,040 |
| Noncurrent loans to loans | 0.1244% | 5,828 |
| Net loans and leases to total assets | 78.5616% | 761 |
| Net loans and leases to deposits | 97.4225% | 629 |
| Net loans and leases to core deposits | 121.2538% | 309 |
| Total domestic deposits to total assets | 80.6401% | 5,284 |
| Equity capital to assets | 8.2781% | 5,794 |
| Core capital (leverage) ratio | 9.0743% | 4,900 |
| Tier 1 risk-based capital ratio | 9.9083% | 6,540 |
| Total risk-based capital ratio | 11.1583% | 6,505 |
| Memoranda: | ||
| Average total assets | $122,295,600 | 4,230 |
| Average earning assets | $114,392,400 | 4,176 |
| Average equity | $10,719,400 | 4,694 |
| Average total loans | $97,685,200 | 3,513 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 1,989 |
| Cost of funding earning assets | 0.7263% | 1,764 |
| Net interest margin | 3.8392% | 2,507 |
| Noninterest income to average assets | 0.2096% | 5,920 |
| Noninterest expense to average assets | 2.1589% | 5,704 |
| Loan and lease loss provision to assets | 0.1918% | 1,907 |
| Net operating income to assets | 1.0156% | 2,313 |
| Return on assets (ROA) | 1.0471% | 2,277 |
| Pretax return on assets | 1.5121% | 1,571 |
| Return on Equity (ROE) | 11.7641% | 1,552 |
| Retained earnings to average equity (ytd only) | 11.7641% | 458 |
| Net charge-offs to loans | -0.0126% | 5,936 |
| Credit loss provision to net charge-offs | -1,911.1111% | 6,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8282% | 5,922 |
| Assets per employee ($millions) | 4.9180% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 4,050 |
| Loan loss allowance to noncurrent loans | 356.6085% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 5,471 |
| Noncurrent loans to loans | 0.3828% | 5,251 |
| Net loans and leases to total assets | 80.7958% | 473 |
| Net loans and leases to deposits | 97.7546% | 585 |
| Net loans and leases to core deposits | 128.5855% | 206 |
| Total domestic deposits to total assets | 82.6516% | 4,700 |
| Equity capital to assets | 8.5252% | 5,714 |
| Core capital (leverage) ratio | 9.1087% | 4,959 |
| Tier 1 risk-based capital ratio | 10.1478% | 6,554 |
| Total risk-based capital ratio | 11.3979% | 6,528 |
| Memoranda: | ||
| Average total assets | $119,564,750 | 4,324 |
| Average earning assets | $112,347,000 | 4,254 |
| Average equity | $10,642,250 | 4,766 |
| Average total loans | $95,573,500 | 3,588 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 2,152 |
| Cost of funding earning assets | 0.7477% | 1,724 |
| Net interest margin | 3.7659% | 2,690 |
| Noninterest income to average assets | 0.1986% | 6,014 |
| Noninterest expense to average assets | 2.1542% | 5,738 |
| Loan and lease loss provision to assets | 0.2021% | 1,874 |
| Net operating income to assets | 0.9612% | 2,505 |
| Return on assets (ROA) | 1.0103% | 2,417 |
| Pretax return on assets | 1.4487% | 1,770 |
| Return on Equity (ROE) | 11.1785% | 1,756 |
| Retained earnings to average equity (ytd only) | 11.1785% | 613 |
| Net charge-offs to loans | -0.0238% | 6,026 |
| Credit loss provision to net charge-offs | -1,072.7273% | 6,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9464% | 5,859 |
| Assets per employee ($millions) | 5.0978% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 4,044 |
| Loan loss allowance to noncurrent loans | 289.4958% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3891% | 5,314 |
| Noncurrent loans to loans | 0.4829% | 5,058 |
| Net loans and leases to total assets | 79.4419% | 587 |
| Net loans and leases to deposits | 97.8486% | 550 |
| Net loans and leases to core deposits | 115.4186% | 407 |
| Total domestic deposits to total assets | 81.1886% | 5,295 |
| Equity capital to assets | 8.6051% | 5,663 |
| Core capital (leverage) ratio | 9.2776% | 4,583 |
| Tier 1 risk-based capital ratio | 10.7511% | 6,428 |
| Total risk-based capital ratio | 12.0016% | 6,396 |
| Memoranda: | ||
| Average total assets | $116,797,000 | 4,420 |
| Average earning assets | $109,667,670 | 4,344 |
| Average equity | $10,556,000 | 4,818 |
| Average total loans | $92,517,330 | 3,667 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 2,432 |
| Cost of funding earning assets | 0.7629% | 1,765 |
| Net interest margin | 3.6650% | 3,008 |
| Noninterest income to average assets | 0.2035% | 6,022 |
| Noninterest expense to average assets | 2.2066% | 5,670 |
| Loan and lease loss provision to assets | 0.1333% | 2,572 |
| Net operating income to assets | 0.9041% | 2,635 |
| Return on assets (ROA) | 1.0033% | 2,328 |
| Pretax return on assets | 1.4453% | 1,720 |
| Return on Equity (ROE) | 10.8231% | 1,756 |
| Retained earnings to average equity (ytd only) | 10.8231% | 910 |
| Net charge-offs to loans | -0.0313% | 5,911 |
| Credit loss provision to net charge-offs | -542.8571% | 5,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8266% | 5,612 |
| Assets per employee ($millions) | 5.0179% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 4,170 |
| Loan loss allowance to noncurrent loans | 435.6902% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 5,796 |
| Noncurrent loans to loans | 0.3244% | 5,588 |
| Net loans and leases to total assets | 78.2024% | 590 |
| Net loans and leases to deposits | 94.8535% | 618 |
| Net loans and leases to core deposits | 113.8634% | 393 |
| Total domestic deposits to total assets | 82.4455% | 5,043 |
| Equity capital to assets | 9.2287% | 5,222 |
| Core capital (leverage) ratio | 9.6902% | 3,809 |
| Tier 1 risk-based capital ratio | 10.9970% | 6,406 |
| Total risk-based capital ratio | 12.2110% | 6,391 |
| Memoranda: | ||
| Average total assets | $114,022,500 | 4,529 |
| Average earning assets | $106,957,500 | 4,446 |
| Average equity | $10,570,000 | 4,869 |
| Average total loans | $89,490,000 | 3,761 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8942% | 1,857 |
| Cost of funding earning assets | 0.9431% | 1,684 |
| Net interest margin | 3.9511% | 2,602 |
| Noninterest income to average assets | 0.2486% | 5,680 |
| Noninterest expense to average assets | 2.3055% | 5,681 |
| Loan and lease loss provision to assets | 0.1167% | 4,168 |
| Net operating income to assets | 0.9816% | 2,420 |
| Return on assets (ROA) | 1.1290% | 2,012 |
| Pretax return on assets | 1.6224% | 1,327 |
| Return on Equity (ROE) | 12.3559% | 1,402 |
| Retained earnings to average equity (ytd only) | 10.5908% | 490 |
| Net charge-offs to loans | -0.0671% | 6,759 |
| Credit loss provision to net charge-offs | -227.7778% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3170% | 5,648 |
| Assets per employee ($millions) | 5.6317% | 1,577 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 4,018 |
| Loan loss allowance to noncurrent loans | 417.7258% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 5,884 |
| Noncurrent loans to loans | 0.3420% | 5,627 |
| Net loans and leases to total assets | 76.5158% | 852 |
| Net loans and leases to deposits | 92.8275% | 846 |
| Net loans and leases to core deposits | 108.1520% | 606 |
| Total domestic deposits to total assets | 82.4279% | 4,956 |
| Equity capital to assets | 9.3125% | 5,138 |
| Core capital (leverage) ratio | 9.9747% | 3,437 |
| Tier 1 risk-based capital ratio | 11.1644% | 6,285 |
| Total risk-based capital ratio | 12.4155% | 6,251 |
| Memoranda: | ||
| Average total assets | $105,399,000 | 4,694 |
| Average earning assets | $95,643,800 | 4,704 |
| Average equity | $9,631,000 | 5,069 |
| Average total loans | $80,460,400 | 4,028 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 1,668 |
| Cost of funding earning assets | 1.0130% | 1,484 |
| Net interest margin | 3.9992% | 2,504 |
| Noninterest income to average assets | 0.2536% | 5,754 |
| Noninterest expense to average assets | 2.2833% | 5,730 |
| Loan and lease loss provision to assets | 0.1583% | 3,531 |
| Net operating income to assets | 1.0173% | 2,416 |
| Return on assets (ROA) | 1.1069% | 2,251 |
| Pretax return on assets | 1.5509% | 1,720 |
| Return on Equity (ROE) | 12.1769% | 1,574 |
| Retained earnings to average equity (ytd only) | 11.6813% | 585 |
| Net charge-offs to loans | -0.0847% | 6,821 |
| Credit loss provision to net charge-offs | -246.0000% | 6,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2224% | 5,757 |
| Assets per employee ($millions) | 4.8096% | 2,431 |
| Cash dividends to net income (ytd only)* | 4.0702% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 4,010 |
| Loan loss allowance to noncurrent loans | 523.1092% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 6,142 |
| Noncurrent loans to loans | 0.2843% | 5,921 |
| Net loans and leases to total assets | 77.9477% | 738 |
| Net loans and leases to deposits | 94.8350% | 729 |
| Net loans and leases to core deposits | 112.3847% | 485 |
| Total domestic deposits to total assets | 82.1929% | 4,953 |
| Equity capital to assets | 9.8250% | 4,745 |
| Core capital (leverage) ratio | 9.8679% | 3,733 |
| Tier 1 risk-based capital ratio | 11.9046% | 5,992 |
| Total risk-based capital ratio | 13.1570% | 5,982 |
| Memoranda: | ||
| Average total assets | $103,590,500 | 4,786 |
| Average earning assets | $93,583,500 | 4,807 |
| Average equity | $9,416,500 | 5,175 |
| Average total loans | $78,717,750 | 4,118 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9517% | 1,923 |
| Cost of funding earning assets | 1.0747% | 1,336 |
| Net interest margin | 3.8770% | 3,011 |
| Noninterest income to average assets | 0.2606% | 5,712 |
| Noninterest expense to average assets | 2.2227% | 5,947 |
| Loan and lease loss provision to assets | 0.1342% | 3,852 |
| Net operating income to assets | 0.9936% | 2,495 |
| Return on assets (ROA) | 1.0792% | 2,347 |
| Pretax return on assets | 1.5109% | 1,821 |
| Return on Equity (ROE) | 12.2112% | 1,601 |
| Retained earnings to average equity (ytd only) | 11.4411% | 670 |
| Net charge-offs to loans | -0.1220% | 6,899 |
| Credit loss provision to net charge-offs | -146.8085% | 6,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4847% | 5,803 |
| Assets per employee ($millions) | 4.8567% | 2,351 |
| Cash dividends to net income (ytd only)* | 6.3063% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 4,175 |
| Loan loss allowance to noncurrent loans | 394.6844% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 6,030 |
| Noncurrent loans to loans | 0.3714% | 5,798 |
| Net loans and leases to total assets | 78.3040% | 690 |
| Net loans and leases to deposits | 98.5002% | 497 |
| Net loans and leases to core deposits | 117.3869% | 359 |
| Total domestic deposits to total assets | 79.4962% | 5,861 |
| Equity capital to assets | 9.8107% | 4,607 |
| Core capital (leverage) ratio | 9.9985% | 3,422 |
| Tier 1 risk-based capital ratio | 12.2867% | 5,734 |
| Total risk-based capital ratio | 13.5399% | 5,707 |
| Memoranda: | ||
| Average total assets | $102,850,000 | 4,833 |
| Average earning assets | $92,493,330 | 4,856 |
| Average equity | $9,090,000 | 5,238 |
| Average total loans | $77,049,330 | 4,183 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8489% | 2,448 |
| Cost of funding earning assets | 1.0839% | 1,482 |
| Net interest margin | 3.7650% | 3,540 |
| Noninterest income to average assets | 0.2711% | 5,709 |
| Noninterest expense to average assets | 2.2463% | 5,911 |
| Loan and lease loss provision to assets | 0.1975% | 2,970 |
| Net operating income to assets | 0.7931% | 3,407 |
| Return on assets (ROA) | 0.9334% | 2,977 |
| Pretax return on assets | 1.3207% | 2,466 |
| Return on Equity (ROE) | 11.1677% | 1,954 |
| Retained earnings to average equity (ytd only) | 9.5459% | 1,400 |
| Net charge-offs to loans | -0.0107% | 5,966 |
| Credit loss provision to net charge-offs | -2,550.0000% | 6,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1064% | 5,262 |
| Assets per employee ($millions) | 5.0069% | 2,242 |
| Cash dividends to net income (ytd only)* | 14.5228% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 3,989 |
| Loan loss allowance to noncurrent loans | 3,515.6250% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 6,827 |
| Noncurrent loans to loans | 0.0438% | 6,642 |
| Net loans and leases to total assets | 68.4005% | 2,042 |
| Net loans and leases to deposits | 82.2533% | 1,902 |
| Net loans and leases to core deposits | 93.2040% | 1,530 |
| Total domestic deposits to total assets | 83.1583% | 4,861 |
| Equity capital to assets | 8.2696% | 6,293 |
| Core capital (leverage) ratio | 8.7849% | 5,151 |
| Tier 1 risk-based capital ratio | 11.4374% | 6,319 |
| Total risk-based capital ratio | 12.6901% | 6,299 |
| Memoranda: | ||
| Average total assets | $103,279,500 | 4,858 |
| Average earning assets | $90,412,000 | 4,952 |
| Average equity | $8,632,000 | 5,391 |
| Average total loans | $75,048,500 | 4,272 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3843% | 1,453 |
| Cost of funding earning assets | 1.2135% | 1,941 |
| Net interest margin | 4.1708% | 2,152 |
| Noninterest income to average assets | 0.2887% | 5,469 |
| Noninterest expense to average assets | 2.3893% | 5,802 |
| Loan and lease loss provision to assets | 0.1735% | 4,461 |
| Net operating income to assets | 1.1021% | 1,822 |
| Return on assets (ROA) | 1.1423% | 1,805 |
| Pretax return on assets | 1.6447% | 1,111 |
| Return on Equity (ROE) | 13.7101% | 1,016 |
| Retained earnings to average equity (ytd only) | 12.2375% | 285 |
| Net charge-offs to loans | -0.0228% | 6,973 |
| Credit loss provision to net charge-offs | -964.7059% | 6,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5835% | 6,105 |
| Assets per employee ($millions) | 4.8293% | 2,409 |
| Cash dividends to net income (ytd only)* | 10.7407% | 3,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 4,502 |
| Loan loss allowance to noncurrent loans | 35,733.3333% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 7,005 |
| Noncurrent loans to loans | 0.0039% | 6,864 |
| Net loans and leases to total assets | 74.9209% | 1,103 |
| Net loans and leases to deposits | 92.3231% | 939 |
| Net loans and leases to core deposits | 102.9441% | 970 |
| Total domestic deposits to total assets | 81.1507% | 5,408 |
| Equity capital to assets | 8.4494% | 6,206 |
| Core capital (leverage) ratio | 8.3057% | 5,848 |
| Tier 1 risk-based capital ratio | 10.9127% | 6,496 |
| Total risk-based capital ratio | 12.1644% | 6,480 |
| Memoranda: | ||
| Average total assets | $94,547,600 | 5,062 |
| Average earning assets | $87,513,800 | 5,007 |
| Average equity | $7,877,400 | 5,608 |
| Average total loans | $74,639,200 | 4,327 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4094% | 1,486 |
| Cost of funding earning assets | 1.2096% | 2,261 |
| Net interest margin | 4.1998% | 2,101 |
| Noninterest income to average assets | 0.3016% | 5,453 |
| Noninterest expense to average assets | 2.3828% | 5,810 |
| Loan and lease loss provision to assets | 0.1838% | 4,197 |
| Net operating income to assets | 1.1461% | 1,828 |
| Return on assets (ROA) | 1.1461% | 1,941 |
| Pretax return on assets | 1.6546% | 1,244 |
| Return on Equity (ROE) | 13.8097% | 1,076 |
| Retained earnings to average equity (ytd only) | 13.7233% | 313 |
| Net charge-offs to loans | -0.0306% | 6,977 |
| Credit loss provision to net charge-offs | -752.9412% | 6,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4478% | 6,219 |
| Assets per employee ($millions) | 5.1210% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.6269% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 5,187 |
| Loan loss allowance to noncurrent loans | 91.0369% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.1111% | 4,557 |
| Noncurrent loans to loans | 1.3859% | 4,215 |
| Net loans and leases to total assets | 79.1591% | 592 |
| Net loans and leases to deposits | 98.7419% | 529 |
| Net loans and leases to core deposits | 130.2917% | 245 |
| Total domestic deposits to total assets | 80.1677% | 5,686 |
| Equity capital to assets | 8.2211% | 6,548 |
| Core capital (leverage) ratio | 8.4287% | 5,811 |
| Tier 1 risk-based capital ratio | 10.6006% | 6,734 |
| Total risk-based capital ratio | 11.8519% | 6,718 |
| Memoranda: | ||
| Average total assets | $92,830,750 | 5,143 |
| Average earning assets | $86,637,750 | 5,076 |
| Average equity | $7,704,500 | 5,693 |
| Average total loans | $74,035,750 | 4,385 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3399% | 1,745 |
| Cost of funding earning assets | 1.2240% | 2,416 |
| Net interest margin | 4.1159% | 2,355 |
| Noninterest income to average assets | 0.3168% | 5,364 |
| Noninterest expense to average assets | 2.4455% | 5,711 |
| Loan and lease loss provision to assets | 0.2053% | 3,870 |
| Net operating income to assets | 1.0398% | 2,068 |
| Return on assets (ROA) | 1.0398% | 2,164 |
| Pretax return on assets | 1.4927% | 1,553 |
| Return on Equity (ROE) | 12.4833% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.4833% | 459 |
| Net charge-offs to loans | -0.0420% | 7,002 |
| Credit loss provision to net charge-offs | -613.3333% | 6,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0199% | 6,024 |
| Assets per employee ($millions) | 4.5271% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 5,032 |
| Loan loss allowance to noncurrent loans | 87.0855% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.2054% | 4,479 |
| Noncurrent loans to loans | 1.4998% | 4,168 |
| Net loans and leases to total assets | 79.3224% | 609 |
| Net loans and leases to deposits | 97.0715% | 650 |
| Net loans and leases to core deposits | 117.6055% | 486 |
| Total domestic deposits to total assets | 81.7154% | 5,268 |
| Equity capital to assets | 8.4928% | 6,193 |
| Core capital (leverage) ratio | 8.5588% | 5,462 |
| Tier 1 risk-based capital ratio | 10.6801% | 6,724 |
| Total risk-based capital ratio | 11.9308% | 6,705 |
| Memoranda: | ||
| Average total assets | $89,634,670 | 5,268 |
| Average earning assets | $83,335,000 | 5,220 |
| Average equity | $7,466,000 | 5,781 |
| Average total loans | $71,344,330 | 4,523 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2968% | 1,876 |
| Cost of funding earning assets | 1.2231% | 2,665 |
| Net interest margin | 4.0737% | 2,371 |
| Noninterest income to average assets | 0.2853% | 5,632 |
| Noninterest expense to average assets | 2.6876% | 4,889 |
| Loan and lease loss provision to assets | 0.1657% | 3,972 |
| Net operating income to assets | 0.8422% | 2,810 |
| Return on assets (ROA) | 0.8422% | 2,868 |
| Pretax return on assets | 1.1873% | 2,427 |
| Return on Equity (ROE) | 10.2206% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.2206% | 1,076 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5148% | 4,942 |
| Assets per employee ($millions) | 4.4964% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 5,074 |
| Loan loss allowance to noncurrent loans | 79.9827% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.2888% | 4,387 |
| Noncurrent loans to loans | 1.6392% | 4,023 |
| Net loans and leases to total assets | 77.5932% | 784 |
| Net loans and leases to deposits | 95.1938% | 737 |
| Net loans and leases to core deposits | 108.4975% | 817 |
| Total domestic deposits to total assets | 81.5108% | 5,491 |
| Equity capital to assets | 8.0831% | 6,404 |
| Core capital (leverage) ratio | 8.3246% | 5,762 |
| Tier 1 risk-based capital ratio | 10.4492% | 6,832 |
| Total risk-based capital ratio | 11.7006% | 6,821 |
| Memoranda: | ||
| Average total assets | $86,917,500 | 5,380 |
| Average earning assets | $80,124,500 | 5,360 |
| Average equity | $7,162,000 | 5,878 |
| Average total loans | $68,812,000 | 4,660 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6314% | 1,794 |
| Cost of funding earning assets | 1.5106% | 2,573 |
| Net interest margin | 4.1208% | 2,479 |
| Noninterest income to average assets | 0.3325% | 5,413 |
| Noninterest expense to average assets | 2.5381% | 5,656 |
| Loan and lease loss provision to assets | 0.0796% | 6,360 |
| Net operating income to assets | 1.0681% | 1,812 |
| Return on assets (ROA) | 1.0681% | 1,901 |
| Pretax return on assets | 1.5393% | 1,276 |
| Return on Equity (ROE) | 13.0412% | 1,080 |
| Retained earnings to average equity (ytd only) | 10.7527% | 406 |
| Net charge-offs to loans | 0.0112% | 6,718 |
| Credit loss provision to net charge-offs | 885.7143% | 243 |
| Earnings coverage of net charge-offs (x) | 180.1429% | 143 |
| Efficiency ratio | 61.0562% | 5,884 |
| Assets per employee ($millions) | 4.1954% | 3,394 |
| Cash dividends to net income (ytd only)* | 17.5481% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 4,845 |
| Loan loss allowance to noncurrent loans | 172.6744% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 5,788 |
| Noncurrent loans to loans | 0.7711% | 5,504 |
| Net loans and leases to total assets | 78.6919% | 849 |
| Net loans and leases to deposits | 97.9339% | 724 |
| Net loans and leases to core deposits | 105.9346% | 1,196 |
| Total domestic deposits to total assets | 80.3521% | 5,736 |
| Equity capital to assets | 8.4081% | 5,987 |
| Core capital (leverage) ratio | 8.5381% | 5,288 |
| Tier 1 risk-based capital ratio | 10.6988% | 6,571 |
| Total risk-based capital ratio | 11.9511% | 6,538 |
| Memoranda: | ||
| Average total assets | $77,893,000 | 5,649 |
| Average earning assets | $72,291,200 | 5,591 |
| Average equity | $6,379,800 | 6,238 |
| Average total loans | $62,435,000 | 4,976 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6998% | 1,718 |
| Cost of funding earning assets | 1.6472% | 2,123 |
| Net interest margin | 4.0525% | 2,844 |
| Noninterest income to average assets | 0.3369% | 5,471 |
| Noninterest expense to average assets | 2.5378% | 5,569 |
| Loan and lease loss provision to assets | 0.0838% | 6,203 |
| Net operating income to assets | 1.0385% | 2,105 |
| Return on assets (ROA) | 1.0385% | 2,216 |
| Pretax return on assets | 1.4941% | 1,637 |
| Return on Equity (ROE) | 12.7727% | 1,322 |
| Retained earnings to average equity (ytd only) | 11.5920% | 511 |
| Net charge-offs to loans | 0.0130% | 6,485 |
| Credit loss provision to net charge-offs | 800.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 150.6625% | 213 |
| Efficiency ratio | 61.6624% | 5,674 |
| Assets per employee ($millions) | 4.5532% | 2,834 |
| Cash dividends to net income (ytd only)* | 9.2435% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 5,061 |
| Loan loss allowance to noncurrent loans | 1,791.8367% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 7,196 |
| Noncurrent loans to loans | 0.0715% | 7,066 |
| Net loans and leases to total assets | 82.5677% | 438 |
| Net loans and leases to deposits | 103.2200% | 470 |
| Net loans and leases to core deposits | 146.5766% | 207 |
| Total domestic deposits to total assets | 79.9919% | 5,714 |
| Equity capital to assets | 7.9530% | 6,838 |
| Core capital (leverage) ratio | 7.9333% | 6,432 |
| Tier 1 risk-based capital ratio | 9.8442% | 7,139 |
| Total risk-based capital ratio | 11.0982% | 7,131 |
| Memoranda: | ||
| Average total assets | $76,389,500 | 5,756 |
| Average earning assets | $71,229,000 | 5,693 |
| Average equity | $6,211,000 | 6,391 |
| Average total loans | $61,314,000 | 5,088 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 1,783 |
| Cost of funding earning assets | 1.6288% | 2,488 |
| Net interest margin | 4.0662% | 2,714 |
| Noninterest income to average assets | 0.3542% | 5,315 |
| Noninterest expense to average assets | 2.5465% | 5,533 |
| Loan and lease loss provision to assets | 0.0725% | 6,220 |
| Net operating income to assets | 1.0492% | 2,019 |
| Return on assets (ROA) | 1.0492% | 2,093 |
| Pretax return on assets | 1.5134% | 1,523 |
| Return on Equity (ROE) | 12.8015% | 1,285 |
| Retained earnings to average equity (ytd only) | 11.0008% | 661 |
| Net charge-offs to loans | 0.0204% | 6,052 |
| Credit loss provision to net charge-offs | 450.0000% | 806 |
| Earnings coverage of net charge-offs (x) | 98.5000% | 334 |
| Efficiency ratio | 61.6234% | 5,753 |
| Assets per employee ($millions) | 4.3030% | 3,209 |
| Cash dividends to net income (ytd only)* | 14.0665% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 4,680 |
| Loan loss allowance to noncurrent loans | 210.0490% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 6,148 |
| Noncurrent loans to loans | 0.6427% | 5,969 |
| Net loans and leases to total assets | 80.8609% | 685 |
| Net loans and leases to deposits | 102.7951% | 545 |
| Net loans and leases to core deposits | 105.7939% | 1,469 |
| Total domestic deposits to total assets | 78.6622% | 6,120 |
| Equity capital to assets | 8.1377% | 6,614 |
| Core capital (leverage) ratio | 8.0300% | 6,233 |
| Tier 1 risk-based capital ratio | 10.1480% | 6,942 |
| Total risk-based capital ratio | 11.3992% | 6,909 |
| Memoranda: | ||
| Average total assets | $74,533,670 | 5,855 |
| Average earning assets | $69,253,670 | 5,797 |
| Average equity | $6,108,670 | 6,433 |
| Average total loans | $58,902,670 | 5,231 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4456% | 2,834 |
| Cost of funding earning assets | 1.6195% | 2,842 |
| Net interest margin | 3.8262% | 3,680 |
| Noninterest income to average assets | 0.3339% | 5,470 |
| Noninterest expense to average assets | 2.7315% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7992% | 2,964 |
| Return on assets (ROA) | 0.7992% | 3,070 |
| Pretax return on assets | 1.1331% | 2,615 |
| Return on Equity (ROE) | 9.7147% | 2,203 |
| Retained earnings to average equity (ytd only) | 6.0551% | 2,596 |
| Net charge-offs to loans | 0.0071% | 5,501 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 164 |
| Efficiency ratio | 70.6799% | 4,182 |
| Assets per employee ($millions) | 4.1501% | 3,562 |
| Cash dividends to net income (ytd only)* | 37.6712% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 3,967 |
| Loan loss allowance to noncurrent loans | 1,056.9620% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 7,214 |
| Noncurrent loans to loans | 0.1408% | 7,053 |
| Net loans and leases to total assets | 73.9806% | 1,975 |
| Net loans and leases to deposits | 92.1007% | 1,598 |
| Net loans and leases to core deposits | 104.7439% | 1,682 |
| Total domestic deposits to total assets | 80.3258% | 5,676 |
| Equity capital to assets | 8.1069% | 6,533 |
| Core capital (leverage) ratio | 8.0422% | 6,173 |
| Tier 1 risk-based capital ratio | 10.8521% | 6,290 |
| Total risk-based capital ratio | 12.1051% | 6,274 |
| Memoranda: | ||
| Average total assets | $73,073,500 | 5,960 |
| Average earning assets | $67,430,000 | 5,921 |
| Average equity | $6,011,500 | 6,517 |
| Average total loans | $56,610,500 | 5,399 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0962% | 1,526 |
| Cost of funding earning assets | 1.7744% | 4,131 |
| Net interest margin | 4.3219% | 1,655 |
| Noninterest income to average assets | 0.4026% | 5,178 |
| Noninterest expense to average assets | 2.8933% | 4,556 |
| Loan and lease loss provision to assets | 0.0150% | 7,347 |
| Net operating income to assets | 1.0073% | 1,814 |
| Return on assets (ROA) | 1.0073% | 1,863 |
| Pretax return on assets | 1.4354% | 1,345 |
| Return on Equity (ROE) | 12.2904% | 1,093 |
| Retained earnings to average equity (ytd only) | 9.4598% | 435 |
| Net charge-offs to loans | -0.0505% | 7,846 |
| Credit loss provision to net charge-offs | -37.0370% | 7,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6092% | 5,268 |
| Assets per employee ($millions) | 3.9692% | 3,878 |
| Cash dividends to net income (ytd only)* | 23.0312% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 3,913 |
| Loan loss allowance to noncurrent loans | 2,985.7143% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 7,415 |
| Noncurrent loans to loans | 0.0490% | 7,307 |
| Net loans and leases to total assets | 78.7809% | 1,231 |
| Net loans and leases to deposits | 97.2897% | 1,179 |
| Net loans and leases to core deposits | 118.4523% | 2,084 |
| Total domestic deposits to total assets | 80.9756% | 5,348 |
| Equity capital to assets | 8.3519% | 6,121 |
| Core capital (leverage) ratio | 8.2111% | 5,791 |
| Tier 1 risk-based capital ratio | 10.4826% | 6,410 |
| Total risk-based capital ratio | 11.7358% | 6,384 |
| Memoranda: | ||
| Average total assets | $66,810,600 | 6,115 |
| Average earning assets | $60,922,800 | 6,095 |
| Average equity | $5,475,800 | 6,779 |
| Average total loans | $53,433,400 | 5,530 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0942% | 1,666 |
| Cost of funding earning assets | 1.7850% | 4,449 |
| Net interest margin | 4.3093% | 1,706 |
| Noninterest income to average assets | 0.4041% | 5,245 |
| Noninterest expense to average assets | 2.8980% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0175% | 1,997 |
| Return on assets (ROA) | 1.0175% | 2,068 |
| Pretax return on assets | 1.4480% | 1,569 |
| Return on Equity (ROE) | 12.4786% | 1,241 |
| Retained earnings to average equity (ytd only) | 10.8597% | 490 |
| Net charge-offs to loans | -0.1168% | 7,931 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6822% | 5,250 |
| Assets per employee ($millions) | 3.8532% | 4,070 |
| Cash dividends to net income (ytd only)* | 12.9734% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 3,618 |
| Loan loss allowance to noncurrent loans | 1,043.2099% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 7,258 |
| Noncurrent loans to loans | 0.1405% | 7,128 |
| Net loans and leases to total assets | 81.8807% | 830 |
| Net loans and leases to deposits | 103.8455% | 788 |
| Net loans and leases to core deposits | 127.7903% | 1,601 |
| Total domestic deposits to total assets | 78.8486% | 5,849 |
| Equity capital to assets | 8.5110% | 6,236 |
| Core capital (leverage) ratio | 8.4483% | 5,581 |
| Tier 1 risk-based capital ratio | 10.6567% | 6,292 |
| Total risk-based capital ratio | 11.9248% | 6,250 |
| Memoranda: | ||
| Average total assets | $65,652,000 | 6,187 |
| Average earning assets | $60,055,250 | 6,168 |
| Average equity | $5,353,000 | 6,886 |
| Average total loans | $52,511,500 | 5,614 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1147% | 1,742 |
| Cost of funding earning assets | 1.8525% | 4,497 |
| Net interest margin | 4.2622% | 1,770 |
| Noninterest income to average assets | 0.4129% | 5,177 |
| Noninterest expense to average assets | 2.9433% | 4,320 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9470% | 2,288 |
| Return on assets (ROA) | 0.9470% | 2,386 |
| Pretax return on assets | 1.3413% | 1,901 |
| Return on Equity (ROE) | 11.7996% | 1,481 |
| Retained earnings to average equity (ytd only) | 9.2849% | 866 |
| Net charge-offs to loans | -0.1968% | 8,026 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6957% | 5,034 |
| Assets per employee ($millions) | 3.6779% | 4,377 |
| Cash dividends to net income (ytd only)* | 21.3115% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 2,922 |
| Loan loss allowance to noncurrent loans | 1,632.6923% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 7,385 |
| Noncurrent loans to loans | 0.0954% | 7,289 |
| Net loans and leases to total assets | 81.0235% | 1,133 |
| Net loans and leases to deposits | 104.0099% | 915 |
| Net loans and leases to core deposits | 127.5109% | 1,739 |
| Total domestic deposits to total assets | 77.8998% | 6,102 |
| Equity capital to assets | 8.5464% | 5,980 |
| Core capital (leverage) ratio | 8.4918% | 5,467 |
| Tier 1 risk-based capital ratio | 10.5838% | 6,309 |
| Total risk-based capital ratio | 11.8379% | 6,244 |
| Memoranda: | ||
| Average total assets | $64,417,000 | 6,285 |
| Average earning assets | $58,514,330 | 6,290 |
| Average equity | $5,169,670 | 7,007 |
| Average total loans | $50,803,670 | 5,734 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9050% | 2,767 |
| Cost of funding earning assets | 2.0057% | 4,097 |
| Net interest margin | 3.8993% | 3,041 |
| Noninterest income to average assets | 0.3778% | 5,405 |
| Noninterest expense to average assets | 2.9784% | 3,858 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6612% | 3,754 |
| Return on assets (ROA) | 0.6612% | 3,929 |
| Pretax return on assets | 0.9004% | 3,712 |
| Return on Equity (ROE) | 8.5271% | 2,917 |
| Retained earnings to average equity (ytd only) | 3.2484% | 4,067 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7857% | 3,357 |
| Assets per employee ($millions) | 3.7639% | 4,194 |
| Cash dividends to net income (ytd only)* | 61.9048% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 2,416 |
| Loan loss allowance to noncurrent loans | 187.1194% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 5,496 |
| Noncurrent loans to loans | 0.8693% | 5,275 |
| Net loans and leases to total assets | 75.5185% | 2,388 |
| Net loans and leases to deposits | 95.1801% | 2,080 |
| Net loans and leases to core deposits | 110.1231% | 3,421 |
| Total domestic deposits to total assets | 79.3427% | 5,593 |
| Equity capital to assets | 7.7453% | 7,132 |
| Core capital (leverage) ratio | 7.7961% | 6,753 |
| Tier 1 risk-based capital ratio | 10.0131% | 6,903 |
| Total risk-based capital ratio | 11.2674% | 6,810 |
| Memoranda: | ||
| Average total assets | $63,524,000 | 6,337 |
| Average earning assets | $57,036,500 | 6,377 |
| Average equity | $4,925,500 | 7,137 |
| Average total loans | $48,961,000 | 5,844 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7376% | 1,910 |
| Cost of funding earning assets | 2.6038% | 3,669 |
| Net interest margin | 4.1338% | 2,568 |
| Noninterest income to average assets | 0.4645% | 4,925 |
| Noninterest expense to average assets | 2.9723% | 4,176 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8837% | 3,075 |
| Return on assets (ROA) | 0.8837% | 2,914 |
| Pretax return on assets | 1.2434% | 2,502 |
| Return on Equity (ROE) | 10.7522% | 1,980 |
| Retained earnings to average equity (ytd only) | 7.5648% | 967 |
| Net charge-offs to loans | -0.1511% | 8,138 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5054% | 4,246 |
| Assets per employee ($millions) | 3.5034% | 4,648 |
| Cash dividends to net income (ytd only)* | 29.6443% | 4,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 2,109 |
| Loan loss allowance to noncurrent loans | 738.8889% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 6,881 |
| Noncurrent loans to loans | 0.2213% | 6,726 |
| Net loans and leases to total assets | 76.1215% | 2,588 |
| Net loans and leases to deposits | 91.8823% | 3,162 |
| Net loans and leases to core deposits | 108.3785% | 3,926 |
| Total domestic deposits to total assets | 82.8468% | 3,828 |
| Equity capital to assets | 7.7623% | 7,143 |
| Core capital (leverage) ratio | 7.9464% | 6,578 |
| Tier 1 risk-based capital ratio | 9.8276% | 6,923 |
| Total risk-based capital ratio | 11.0773% | 6,810 |
| Memoranda: | ||
| Average total assets | $57,262,400 | 6,479 |
| Average earning assets | $51,962,400 | 6,507 |
| Average equity | $4,706,000 | 7,252 |
| Average total loans | $46,324,200 | 5,862 |