Home > Blue Ridge Bank > Performance and Condition Ratios
Blue Ridge Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7212% | 907 |
| Cost of funding earning assets | 2.4968% | 364 |
| Net interest margin | 3.2244% | 2,815 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 4.6104% | 271 |
| Loan and lease loss provision to assets | 0.7000% | 114 |
| Net operating income to assets | -1.2550% | 4,544 |
| Return on assets (ROA) | -1.2740% | 4,540 |
| Pretax return on assets | -1.4092% | 4,542 |
| Return on Equity (ROE) | -17.6600% | 4,537 |
| Retained earnings to average equity (ytd only) | -20.2737% | 4,524 |
| Net charge-offs to loans | 1.0768% | 93 |
| Credit loss provision to net charge-offs | 91.6046% | 1,940 |
| Earnings coverage of net charge-offs (x) | -0.8083% | 4,529 |
| Efficiency ratio | 94.9315% | 277 |
| Assets per employee ($millions) | 6.0263% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 1,207 |
| Loan loss allowance to noncurrent loans | 56.9161% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 2.0399% | 136 |
| Noncurrent loans to loans | 2.5457% | 193 |
| Net loans and leases to total assets | 78.9700% | 768 |
| Net loans and leases to deposits | 94.8834% | 875 |
| Net loans and leases to core deposits | 123.5830% | 538 |
| Total domestic deposits to total assets | 83.2300% | 2,831 |
| Equity capital to assets | 6.4987% | 4,114 |
| Core capital (leverage) ratio | 7.4929% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2516% | 2,885 |
| Memoranda: | ||
| Average total assets | $3,178,621,200 | 377 |
| Average earning assets | $2,953,610,000 | 365 |
| Average equity | $229,346,800 | 479 |
| Average total loans | $2,504,346,000 | 348 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6416% | 862 |
| Cost of funding earning assets | 2.3715% | 350 |
| Net interest margin | 3.2701% | 2,751 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 4.8353% | 238 |
| Loan and lease loss provision to assets | 0.8100% | 84 |
| Net operating income to assets | -1.4881% | 4,583 |
| Return on assets (ROA) | -1.5121% | 4,577 |
| Pretax return on assets | -1.6273% | 4,576 |
| Return on Equity (ROE) | -20.4700% | 4,572 |
| Retained earnings to average equity (ytd only) | -23.8499% | 4,562 |
| Net charge-offs to loans | 0.5113% | 169 |
| Credit loss provision to net charge-offs | 219.1609% | 1,064 |
| Earnings coverage of net charge-offs (x) | -1.9615% | 4,572 |
| Efficiency ratio | 90.8035% | 353 |
| Assets per employee ($millions) | 6.2580% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9726% | 412 |
| Loan loss allowance to noncurrent loans | 61.0070% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 2.5194% | 94 |
| Noncurrent loans to loans | 3.2334% | 122 |
| Net loans and leases to total assets | 76.3800% | 1,075 |
| Net loans and leases to deposits | 88.7982% | 1,320 |
| Net loans and leases to core deposits | 107.3717% | 961 |
| Total domestic deposits to total assets | 86.0100% | 2,190 |
| Equity capital to assets | 6.0818% | 3,960 |
| Core capital (leverage) ratio | 7.6298% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4395% | 2,889 |
| Memoranda: | ||
| Average total assets | $3,200,398,750 | 378 |
| Average earning assets | $2,973,616,500 | 366 |
| Average equity | $236,456,500 | 472 |
| Average total loans | $2,511,111,500 | 345 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5279% | 798 |
| Cost of funding earning assets | 2.2352% | 316 |
| Net interest margin | 3.2927% | 2,766 |
| Noninterest income to average assets | 1.0400% | 529 |
| Noninterest expense to average assets | 3.6712% | 452 |
| Loan and lease loss provision to assets | 1.5100% | 39 |
| Net operating income to assets | -0.8749% | 4,593 |
| Return on assets (ROA) | -0.8742% | 4,587 |
| Pretax return on assets | -1.0884% | 4,590 |
| Return on Equity (ROE) | -10.8800% | 4,584 |
| Retained earnings to average equity (ytd only) | -15.5497% | 4,563 |
| Net charge-offs to loans | 0.7283% | 119 |
| Credit loss provision to net charge-offs | 277.1058% | 901 |
| Earnings coverage of net charge-offs (x) | 0.7458% | 2,396 |
| Efficiency ratio | 88.5896% | 404 |
| Assets per employee ($millions) | 6.2384% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 741 |
| Loan loss allowance to noncurrent loans | 50.2058% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 2.6962% | 88 |
| Noncurrent loans to loans | 3.3999% | 118 |
| Net loans and leases to total assets | 77.9500% | 840 |
| Net loans and leases to deposits | 94.8526% | 792 |
| Net loans and leases to core deposits | 108.8000% | 873 |
| Total domestic deposits to total assets | 82.1800% | 3,196 |
| Equity capital to assets | 7.5258% | 3,500 |
| Core capital (leverage) ratio | 7.8555% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7702% | 2,876 |
| Memoranda: | ||
| Average total assets | $3,197,968,000 | 367 |
| Average earning assets | $2,967,325,667 | 358 |
| Average equity | $256,956,333 | 433 |
| Average total loans | $2,497,328,000 | 333 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7799% | 426 |
| Cost of funding earning assets | 2.0329% | 278 |
| Net interest margin | 3.7470% | 1,797 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 3.4220% | 589 |
| Loan and lease loss provision to assets | 0.4600% | 172 |
| Net operating income to assets | 0.3661% | 4,142 |
| Return on assets (ROA) | 0.3662% | 4,094 |
| Pretax return on assets | 0.4715% | 4,028 |
| Return on Equity (ROE) | 4.4200% | 3,967 |
| Retained earnings to average equity (ytd only) | 1.4075% | 3,803 |
| Net charge-offs to loans | 0.1750% | 411 |
| Credit loss provision to net charge-offs | 377.1849% | 619 |
| Earnings coverage of net charge-offs (x) | 6.8795% | 1,773 |
| Efficiency ratio | 77.5604% | 1,041 |
| Assets per employee ($millions) | 6.3522% | 2,451 |
| Cash dividends to net income (ytd only)* | 68.1431% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,588 |
| Loan loss allowance to noncurrent loans | 94.8334% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.9569% | 444 |
| Noncurrent loans to loans | 1.2589% | 543 |
| Net loans and leases to total assets | 75.1000% | 1,068 |
| Net loans and leases to deposits | 89.7594% | 1,072 |
| Net loans and leases to core deposits | 106.1142% | 831 |
| Total domestic deposits to total assets | 83.6700% | 3,164 |
| Equity capital to assets | 8.0341% | 3,219 |
| Core capital (leverage) ratio | 8.5036% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1187% | 2,928 |
| Memoranda: | ||
| Average total assets | $3,206,157,500 | 378 |
| Average earning assets | $2,979,146,000 | 369 |
| Average equity | $265,714,000 | 434 |
| Average total loans | $2,484,476,000 | 342 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 369 |
| Cost of funding earning assets | 0.5706% | 1,014 |
| Net interest margin | 4.3171% | 406 |
| Noninterest income to average assets | 1.3300% | 392 |
| Noninterest expense to average assets | 3.6214% | 444 |
| Loan and lease loss provision to assets | 0.6400% | 84 |
| Net operating income to assets | 0.8286% | 3,223 |
| Return on assets (ROA) | 0.8459% | 3,102 |
| Pretax return on assets | 1.0972% | 2,782 |
| Return on Equity (ROE) | 8.7400% | 3,189 |
| Retained earnings to average equity (ytd only) | 5.0642% | 3,024 |
| Net charge-offs to loans | 0.3346% | 226 |
| Credit loss provision to net charge-offs | 253.0918% | 992 |
| Earnings coverage of net charge-offs (x) | 6.8196% | 2,324 |
| Efficiency ratio | 66.8452% | 2,105 |
| Assets per employee ($millions) | 6.0964% | 2,685 |
| Cash dividends to net income (ytd only)* | 42.0681% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 3,658 |
| Loan loss allowance to noncurrent loans | 121.1013% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6155% | 807 |
| Noncurrent loans to loans | 0.7706% | 971 |
| Net loans and leases to total assets | 78.3300% | 765 |
| Net loans and leases to deposits | 97.1985% | 576 |
| Net loans and leases to core deposits | 101.9419% | 899 |
| Total domestic deposits to total assets | 80.5800% | 3,807 |
| Equity capital to assets | 8.5570% | 2,672 |
| Core capital (leverage) ratio | 9.2545% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1538% | 2,946 |
| Memoranda: | ||
| Average total assets | $2,810,114,000 | 413 |
| Average earning assets | $2,605,820,000 | 401 |
| Average equity | $271,930,600 | 413 |
| Average total loans | $2,111,994,400 | 365 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4721% | 514 |
| Cost of funding earning assets | 0.3725% | 1,499 |
| Net interest margin | 4.0996% | 521 |
| Noninterest income to average assets | 1.5700% | 342 |
| Noninterest expense to average assets | 3.6781% | 413 |
| Loan and lease loss provision to assets | 0.6800% | 71 |
| Net operating income to assets | 0.7680% | 3,363 |
| Return on assets (ROA) | 0.7904% | 3,249 |
| Pretax return on assets | 1.0379% | 2,907 |
| Return on Equity (ROE) | 7.9100% | 3,360 |
| Retained earnings to average equity (ytd only) | 3.0309% | 3,766 |
| Net charge-offs to loans | 0.3607% | 174 |
| Credit loss provision to net charge-offs | 253.5401% | 889 |
| Earnings coverage of net charge-offs (x) | 6.3316% | 2,117 |
| Efficiency ratio | 67.4486% | 2,095 |
| Assets per employee ($millions) | 5.7723% | 2,964 |
| Cash dividends to net income (ytd only)* | 61.6713% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 3,707 |
| Loan loss allowance to noncurrent loans | 197.8799% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 1,457 |
| Noncurrent loans to loans | 0.4775% | 1,605 |
| Net loans and leases to total assets | 75.6400% | 945 |
| Net loans and leases to deposits | 89.1598% | 953 |
| Net loans and leases to core deposits | 92.5280% | 1,162 |
| Total domestic deposits to total assets | 84.8300% | 3,326 |
| Equity capital to assets | 8.9332% | 2,256 |
| Core capital (leverage) ratio | 9.4280% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3609% | 2,703 |
| Memoranda: | ||
| Average total assets | $2,735,352,000 | 421 |
| Average earning assets | $2,536,491,250 | 410 |
| Average equity | $273,400,500 | 411 |
| Average total loans | $2,025,436,000 | 372 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1498% | 700 |
| Cost of funding earning assets | 0.2547% | 2,197 |
| Net interest margin | 3.8950% | 612 |
| Noninterest income to average assets | 1.7968% | 266 |
| Noninterest expense to average assets | 3.4693% | 449 |
| Loan and lease loss provision to assets | 0.7407% | 61 |
| Net operating income to assets | 0.9028% | 2,568 |
| Return on assets (ROA) | 0.9422% | 2,366 |
| Pretax return on assets | 1.2438% | 1,922 |
| Return on Equity (ROE) | 9.0874% | 2,669 |
| Retained earnings to average equity (ytd only) | 1.9393% | 3,768 |
| Net charge-offs to loans | 0.4931% | 137 |
| Credit loss provision to net charge-offs | 205.1314% | 956 |
| Earnings coverage of net charge-offs (x) | 5.3762% | 1,929 |
| Efficiency ratio | 63.0467% | 2,912 |
| Assets per employee ($millions) | 5.1110% | 3,583 |
| Cash dividends to net income (ytd only)* | 78.6596% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 4,137 |
| Loan loss allowance to noncurrent loans | 141.5483% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4432% | 1,281 |
| Noncurrent loans to loans | 0.5815% | 1,455 |
| Net loans and leases to total assets | 75.1357% | 808 |
| Net loans and leases to deposits | 88.6418% | 797 |
| Net loans and leases to core deposits | 92.8922% | 980 |
| Total domestic deposits to total assets | 84.7633% | 3,532 |
| Equity capital to assets | 9.4971% | 2,019 |
| Core capital (leverage) ratio | 10.0191% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1251% | 2,778 |
| Memoranda: | ||
| Average total assets | $2,698,557,000 | 425 |
| Average earning assets | $2,503,668,333 | 418 |
| Average equity | $279,795,333 | 408 |
| Average total loans | $1,976,251,667 | 372 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 559 |
| Cost of funding earning assets | 0.2555% | 2,095 |
| Net interest margin | 3.9101% | 490 |
| Noninterest income to average assets | 2.1551% | 214 |
| Noninterest expense to average assets | 3.3239% | 516 |
| Loan and lease loss provision to assets | 0.3752% | 147 |
| Net operating income to assets | 1.5614% | 560 |
| Return on assets (ROA) | 1.6118% | 495 |
| Pretax return on assets | 2.1371% | 278 |
| Return on Equity (ROE) | 14.8964% | 670 |
| Retained earnings to average equity (ytd only) | 14.8964% | 296 |
| Net charge-offs to loans | 0.5440% | 129 |
| Credit loss provision to net charge-offs | 95.8957% | 1,057 |
| Earnings coverage of net charge-offs (x) | 6.2923% | 1,576 |
| Efficiency ratio | 56.4199% | 3,837 |
| Assets per employee ($millions) | 5.1736% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6308% | 4,484 |
| Loan loss allowance to noncurrent loans | 84.7000% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 1,130 |
| Noncurrent loans to loans | 0.7447% | 1,279 |
| Net loans and leases to total assets | 70.3437% | 988 |
| Net loans and leases to deposits | 80.3263% | 1,125 |
| Net loans and leases to core deposits | 86.5035% | 1,103 |
| Total domestic deposits to total assets | 87.5724% | 2,714 |
| Equity capital to assets | 10.6550% | 1,519 |
| Core capital (leverage) ratio | 10.6406% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2917% | 2,485 |
| Memoranda: | ||
| Average total assets | $2,665,297,000 | 434 |
| Average earning assets | $2,474,850,500 | 427 |
| Average equity | $288,391,500 | 410 |
| Average total loans | $1,916,976,000 | 377 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 741 |
| Cost of funding earning assets | 0.3574% | 1,876 |
| Net interest margin | 4.0228% | 677 |
| Noninterest income to average assets | 3.0815% | 175 |
| Noninterest expense to average assets | 4.1991% | 251 |
| Loan and lease loss provision to assets | 0.0046% | 2,983 |
| Net operating income to assets | 2.0192% | 328 |
| Return on assets (ROA) | 2.0146% | 347 |
| Pretax return on assets | 2.6077% | 224 |
| Return on Equity (ROE) | 20.4933% | 283 |
| Retained earnings to average equity (ytd only) | 20.4933% | 55 |
| Net charge-offs to loans | 0.0962% | 875 |
| Credit loss provision to net charge-offs | 6.4180% | 2,314 |
| Earnings coverage of net charge-offs (x) | 36.5096% | 1,485 |
| Efficiency ratio | 60.5191% | 3,079 |
| Assets per employee ($millions) | 5.0101% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6277% | 4,523 |
| Loan loss allowance to noncurrent loans | 76.3465% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 1,084 |
| Noncurrent loans to loans | 0.8222% | 1,241 |
| Net loans and leases to total assets | 72.6709% | 790 |
| Net loans and leases to deposits | 83.3780% | 958 |
| Net loans and leases to core deposits | 91.1195% | 920 |
| Total domestic deposits to total assets | 87.1584% | 2,448 |
| Equity capital to assets | 10.9886% | 1,797 |
| Core capital (leverage) ratio | 10.0458% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1124% | 2,590 |
| Memoranda: | ||
| Average total assets | $2,542,231,000 | 429 |
| Average earning assets | $2,360,753,200 | 424 |
| Average equity | $249,920,800 | 448 |
| Average total loans | $1,895,123,000 | 377 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 601 |
| Cost of funding earning assets | 0.3648% | 1,983 |
| Net interest margin | 4.2005% | 544 |
| Noninterest income to average assets | 3.2885% | 178 |
| Noninterest expense to average assets | 4.3518% | 234 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2283% | 306 |
| Return on assets (ROA) | 2.2283% | 324 |
| Pretax return on assets | 2.8364% | 218 |
| Return on Equity (ROE) | 23.3885% | 239 |
| Retained earnings to average equity (ytd only) | 23.3885% | 71 |
| Net charge-offs to loans | 0.0857% | 832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 44.1922% | 1,300 |
| Efficiency ratio | 59.5051% | 3,066 |
| Assets per employee ($millions) | 5.0077% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 4,571 |
| Loan loss allowance to noncurrent loans | 83.2278% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 1,343 |
| Noncurrent loans to loans | 0.7807% | 1,450 |
| Net loans and leases to total assets | 71.9878% | 877 |
| Net loans and leases to deposits | 87.3695% | 746 |
| Net loans and leases to core deposits | 95.3675% | 776 |
| Total domestic deposits to total assets | 82.3946% | 3,846 |
| Equity capital to assets | 10.7110% | 2,252 |
| Core capital (leverage) ratio | 9.7191% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1471% | 2,660 |
| Memoranda: | ||
| Average total assets | $2,517,702,000 | 435 |
| Average earning assets | $2,337,456,500 | 431 |
| Average equity | $239,866,500 | 463 |
| Average total loans | $1,886,182,750 | 383 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 393 |
| Cost of funding earning assets | 0.3850% | 2,013 |
| Net interest margin | 4.5307% | 337 |
| Noninterest income to average assets | 4.1309% | 134 |
| Noninterest expense to average assets | 4.8008% | 189 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.8013% | 153 |
| Return on assets (ROA) | 2.8009% | 156 |
| Pretax return on assets | 3.5426% | 117 |
| Return on Equity (ROE) | 30.7857% | 89 |
| Retained earnings to average equity (ytd only) | 30.7857% | 33 |
| Net charge-offs to loans | 0.0877% | 804 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 53.2943% | 1,030 |
| Efficiency ratio | 56.6557% | 3,454 |
| Assets per employee ($millions) | 5.5505% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6481% | 4,599 |
| Loan loss allowance to noncurrent loans | 94.1172% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5189% | 1,605 |
| Noncurrent loans to loans | 0.6886% | 1,703 |
| Net loans and leases to total assets | 72.5699% | 898 |
| Net loans and leases to deposits | 90.6809% | 610 |
| Net loans and leases to core deposits | 99.2809% | 684 |
| Total domestic deposits to total assets | 80.0277% | 4,235 |
| Equity capital to assets | 10.5309% | 2,367 |
| Core capital (leverage) ratio | 9.2261% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9207% | 2,393 |
| Memoranda: | ||
| Average total assets | $2,463,894,333 | 439 |
| Average earning assets | $2,291,071,333 | 437 |
| Average equity | $224,168,667 | 485 |
| Average total loans | $1,867,825,000 | 388 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1677% | 1,257 |
| Cost of funding earning assets | 0.3565% | 2,478 |
| Net interest margin | 3.8112% | 1,111 |
| Noninterest income to average assets | 2.6674% | 244 |
| Noninterest expense to average assets | 5.0659% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9252% | 3,061 |
| Return on assets (ROA) | 0.9236% | 3,141 |
| Pretax return on assets | 1.1528% | 2,979 |
| Return on Equity (ROE) | 11.1950% | 2,305 |
| Retained earnings to average equity (ytd only) | 11.1950% | 1,353 |
| Net charge-offs to loans | 0.0943% | 716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 15.8042% | 1,335 |
| Efficiency ratio | 80.3323% | 801 |
| Assets per employee ($millions) | 6.1984% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5522% | 4,738 |
| Loan loss allowance to noncurrent loans | 204.2365% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 3,018 |
| Noncurrent loans to loans | 0.2704% | 3,140 |
| Net loans and leases to total assets | 76.5007% | 588 |
| Net loans and leases to deposits | 111.3914% | 125 |
| Net loans and leases to core deposits | 123.9177% | 210 |
| Total domestic deposits to total assets | 68.6774% | 4,793 |
| Equity capital to assets | 8.3047% | 4,273 |
| Core capital (leverage) ratio | 10.6882% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6682% | 2,415 |
| Memoranda: | ||
| Average total assets | $2,322,097,500 | 455 |
| Average earning assets | $2,164,651,000 | 452 |
| Average equity | $191,585,500 | 556 |
| Average total loans | $1,798,310,000 | 398 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 1,311 |
| Cost of funding earning assets | 0.7178% | 1,632 |
| Net interest margin | 3.7839% | 1,546 |
| Noninterest income to average assets | 4.3082% | 130 |
| Noninterest expense to average assets | 5.0349% | 190 |
| Loan and lease loss provision to assets | 0.7948% | 156 |
| Net operating income to assets | 1.5458% | 719 |
| Return on assets (ROA) | 1.5584% | 763 |
| Pretax return on assets | 1.9767% | 476 |
| Return on Equity (ROE) | 19.0308% | 273 |
| Retained earnings to average equity (ytd only) | 19.0308% | 75 |
| Net charge-offs to loans | 0.1193% | 1,298 |
| Credit loss provision to net charge-offs | 873.7458% | 847 |
| Earnings coverage of net charge-offs (x) | 30.2926% | 1,604 |
| Efficiency ratio | 63.8244% | 2,853 |
| Assets per employee ($millions) | 4.1138% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 3,043 |
| Loan loss allowance to noncurrent loans | 208.5835% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 2,248 |
| Noncurrent loans to loans | 0.5668% | 2,284 |
| Net loans and leases to total assets | 77.6121% | 634 |
| Net loans and leases to deposits | 122.0119% | 67 |
| Net loans and leases to core deposits | 140.0456% | 118 |
| Total domestic deposits to total assets | 63.6102% | 4,884 |
| Equity capital to assets | 8.1357% | 4,650 |
| Core capital (leverage) ratio | 8.3432% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0952% | 2,592 |
| Memoranda: | ||
| Average total assets | $1,314,843,000 | 697 |
| Average earning assets | $1,209,993,600 | 692 |
| Average equity | $107,667,600 | 903 |
| Average total loans | $1,002,924,400 | 640 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 1,978 |
| Cost of funding earning assets | 0.7620% | 1,665 |
| Net interest margin | 3.5839% | 2,326 |
| Noninterest income to average assets | 4.0989% | 128 |
| Noninterest expense to average assets | 4.6508% | 228 |
| Loan and lease loss provision to assets | 0.8469% | 198 |
| Net operating income to assets | 1.4954% | 915 |
| Return on assets (ROA) | 1.5125% | 961 |
| Pretax return on assets | 1.9199% | 606 |
| Return on Equity (ROE) | 18.4357% | 328 |
| Retained earnings to average equity (ytd only) | 18.4357% | 102 |
| Net charge-offs to loans | 0.0727% | 1,585 |
| Credit loss provision to net charge-offs | 1,541.0305% | 604 |
| Earnings coverage of net charge-offs (x) | 49.9504% | 1,193 |
| Efficiency ratio | 62.0210% | 3,075 |
| Assets per employee ($millions) | 4.5260% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 3,770 |
| Loan loss allowance to noncurrent loans | 269.5198% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 2,966 |
| Noncurrent loans to loans | 0.3650% | 2,977 |
| Net loans and leases to total assets | 80.4761% | 566 |
| Net loans and leases to deposits | 132.4762% | 47 |
| Net loans and leases to core deposits | 152.7773% | 105 |
| Total domestic deposits to total assets | 60.7476% | 4,922 |
| Equity capital to assets | 7.4718% | 4,865 |
| Core capital (leverage) ratio | 7.8815% | 4,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5993% | 2,761 |
| Memoranda: | ||
| Average total assets | $1,271,254,000 | 706 |
| Average earning assets | $1,169,491,750 | 706 |
| Average equity | $104,295,250 | 925 |
| Average total loans | $961,249,250 | 660 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 2,363 |
| Cost of funding earning assets | 0.8190% | 1,738 |
| Net interest margin | 3.5203% | 2,723 |
| Noninterest income to average assets | 3.6205% | 132 |
| Noninterest expense to average assets | 4.5087% | 251 |
| Loan and lease loss provision to assets | 0.6851% | 412 |
| Net operating income to assets | 1.3083% | 1,335 |
| Return on assets (ROA) | 1.3073% | 1,448 |
| Pretax return on assets | 1.6582% | 1,082 |
| Return on Equity (ROE) | 15.3527% | 653 |
| Retained earnings to average equity (ytd only) | 15.3527% | 204 |
| Net charge-offs to loans | 0.1013% | 1,260 |
| Credit loss provision to net charge-offs | 924.0363% | 834 |
| Earnings coverage of net charge-offs (x) | 31.6190% | 1,391 |
| Efficiency ratio | 64.8717% | 2,680 |
| Assets per employee ($millions) | 5.7383% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7140% | 4,535 |
| Loan loss allowance to noncurrent loans | 132.9553% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 2,732 |
| Noncurrent loans to loans | 0.5370% | 2,558 |
| Net loans and leases to total assets | 72.0472% | 1,697 |
| Net loans and leases to deposits | 116.6289% | 121 |
| Net loans and leases to core deposits | 140.7582% | 161 |
| Total domestic deposits to total assets | 61.7747% | 4,946 |
| Equity capital to assets | 6.6612% | 5,006 |
| Core capital (leverage) ratio | 7.3924% | 4,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3348% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,189,605,333 | 735 |
| Average earning assets | $1,092,342,333 | 733 |
| Average equity | $101,298,000 | 935 |
| Average total loans | $870,898,333 | 719 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6809% | 1,773 |
| Cost of funding earning assets | 0.9909% | 1,459 |
| Net interest margin | 3.6900% | 2,358 |
| Noninterest income to average assets | 2.0175% | 268 |
| Noninterest expense to average assets | 4.5230% | 298 |
| Loan and lease loss provision to assets | 0.2317% | 1,340 |
| Net operating income to assets | 0.4752% | 3,957 |
| Return on assets (ROA) | 0.4711% | 4,020 |
| Pretax return on assets | 0.5965% | 3,928 |
| Return on Equity (ROE) | 4.7138% | 3,735 |
| Retained earnings to average equity (ytd only) | 4.7138% | 2,408 |
| Net charge-offs to loans | 0.1372% | 910 |
| Credit loss provision to net charge-offs | 229.0837% | 1,340 |
| Earnings coverage of net charge-offs (x) | 8.2271% | 1,877 |
| Efficiency ratio | 83.3835% | 875 |
| Assets per employee ($millions) | 3.9748% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6435% | 4,699 |
| Loan loss allowance to noncurrent loans | 95.6259% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 2,498 |
| Noncurrent loans to loans | 0.6730% | 2,313 |
| Net loans and leases to total assets | 73.7263% | 1,655 |
| Net loans and leases to deposits | 98.2399% | 685 |
| Net loans and leases to core deposits | 112.1740% | 746 |
| Total domestic deposits to total assets | 75.0472% | 4,583 |
| Equity capital to assets | 9.5848% | 4,145 |
| Core capital (leverage) ratio | 8.4281% | 4,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5179% | 3,221 |
| Memoranda: | ||
| Average total assets | $992,527,500 | 825 |
| Average earning assets | $897,770,500 | 847 |
| Average equity | $99,198,000 | 949 |
| Average total loans | $731,717,000 | 807 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 2,336 |
| Cost of funding earning assets | 1.3443% | 670 |
| Net interest margin | 3.3526% | 3,868 |
| Noninterest income to average assets | 2.6923% | 178 |
| Noninterest expense to average assets | 4.4359% | 328 |
| Loan and lease loss provision to assets | 0.2468% | 752 |
| Net operating income to assets | 0.9092% | 3,170 |
| Return on assets (ROA) | 0.9575% | 3,075 |
| Pretax return on assets | 1.1826% | 2,902 |
| Return on Equity (ROE) | 10.3338% | 2,146 |
| Retained earnings to average equity (ytd only) | 10.3338% | 429 |
| Net charge-offs to loans | 0.1405% | 1,387 |
| Credit loss provision to net charge-offs | 232.2667% | 1,154 |
| Earnings coverage of net charge-offs (x) | 12.8840% | 2,390 |
| Efficiency ratio | 75.3075% | 1,446 |
| Assets per employee ($millions) | 4.1036% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6509% | 4,650 |
| Loan loss allowance to noncurrent loans | 88.6218% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 2,286 |
| Noncurrent loans to loans | 0.7344% | 2,044 |
| Net loans and leases to total assets | 72.6790% | 1,976 |
| Net loans and leases to deposits | 96.5330% | 886 |
| Net loans and leases to core deposits | 112.3565% | 740 |
| Total domestic deposits to total assets | 75.2893% | 4,676 |
| Equity capital to assets | 10.4651% | 3,484 |
| Core capital (leverage) ratio | 7.9980% | 5,039 |
| Tier 1 risk-based capital ratio | 11.1405% | 4,802 |
| Total risk-based capital ratio | 11.8166% | 4,923 |
| Memoranda: | ||
| Average total assets | $705,892,200 | 1,059 |
| Average earning assets | $655,339,200 | 1,052 |
| Average equity | $65,406,800 | 1,290 |
| Average total loans | $533,719,800 | 1,009 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9552% | 1,664 |
| Cost of funding earning assets | 1.4197% | 539 |
| Net interest margin | 3.5354% | 3,452 |
| Noninterest income to average assets | 2.9456% | 159 |
| Noninterest expense to average assets | 4.6471% | 265 |
| Loan and lease loss provision to assets | 0.3041% | 485 |
| Net operating income to assets | 1.0739% | 2,669 |
| Return on assets (ROA) | 1.0842% | 2,729 |
| Pretax return on assets | 1.3223% | 2,590 |
| Return on Equity (ROE) | 12.2958% | 1,515 |
| Retained earnings to average equity (ytd only) | 12.2958% | 348 |
| Net charge-offs to loans | 0.1736% | 977 |
| Credit loss provision to net charge-offs | 228.9063% | 1,178 |
| Earnings coverage of net charge-offs (x) | 12.1407% | 2,383 |
| Efficiency ratio | 73.0676% | 1,689 |
| Assets per employee ($millions) | 4.1309% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8140% | 4,372 |
| Loan loss allowance to noncurrent loans | 76.9432% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.7786% | 1,764 |
| Noncurrent loans to loans | 1.0580% | 1,515 |
| Net loans and leases to total assets | 72.9944% | 2,000 |
| Net loans and leases to deposits | 101.3586% | 537 |
| Net loans and leases to core deposits | 130.7750% | 284 |
| Total domestic deposits to total assets | 72.0160% | 4,917 |
| Equity capital to assets | 8.8671% | 4,844 |
| Core capital (leverage) ratio | 8.3874% | 4,990 |
| Tier 1 risk-based capital ratio | 12.0171% | 4,410 |
| Total risk-based capital ratio | 12.9026% | 4,499 |
| Memoranda: | ||
| Average total assets | $642,306,000 | 1,161 |
| Average earning assets | $602,159,750 | 1,137 |
| Average equity | $56,636,000 | 1,430 |
| Average total loans | $491,534,000 | 1,095 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9941% | 1,502 |
| Cost of funding earning assets | 1.3656% | 605 |
| Net interest margin | 3.6285% | 3,168 |
| Noninterest income to average assets | 3.0417% | 149 |
| Noninterest expense to average assets | 4.7276% | 260 |
| Loan and lease loss provision to assets | 0.2928% | 480 |
| Net operating income to assets | 1.1801% | 2,224 |
| Return on assets (ROA) | 1.1742% | 2,321 |
| Pretax return on assets | 1.4111% | 2,165 |
| Return on Equity (ROE) | 13.3466% | 1,140 |
| Retained earnings to average equity (ytd only) | 13.3466% | 269 |
| Net charge-offs to loans | 0.1773% | 921 |
| Credit loss provision to net charge-offs | 212.5891% | 1,153 |
| Earnings coverage of net charge-offs (x) | 12.4133% | 2,157 |
| Efficiency ratio | 72.2505% | 1,884 |
| Assets per employee ($millions) | 4.0965% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7884% | 4,479 |
| Loan loss allowance to noncurrent loans | 76.1458% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 1,804 |
| Noncurrent loans to loans | 1.0354% | 1,581 |
| Net loans and leases to total assets | 70.7578% | 2,430 |
| Net loans and leases to deposits | 99.2207% | 740 |
| Net loans and leases to core deposits | 128.7623% | 346 |
| Total domestic deposits to total assets | 71.3136% | 5,006 |
| Equity capital to assets | 8.0138% | 5,173 |
| Core capital (leverage) ratio | 8.0918% | 5,141 |
| Tier 1 risk-based capital ratio | 11.1334% | 4,855 |
| Total risk-based capital ratio | 11.9845% | 4,940 |
| Memoranda: | ||
| Average total assets | $611,308,000 | 1,208 |
| Average earning assets | $572,074,330 | 1,202 |
| Average equity | $53,781,330 | 1,494 |
| Average total loans | $475,001,000 | 1,129 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1269% | 1,049 |
| Cost of funding earning assets | 1.2644% | 741 |
| Net interest margin | 3.8624% | 2,303 |
| Noninterest income to average assets | 2.8084% | 162 |
| Noninterest expense to average assets | 4.9217% | 216 |
| Loan and lease loss provision to assets | 0.2121% | 737 |
| Net operating income to assets | 1.0286% | 2,749 |
| Return on assets (ROA) | 1.0193% | 2,819 |
| Pretax return on assets | 1.2773% | 2,539 |
| Return on Equity (ROE) | 10.9534% | 1,964 |
| Retained earnings to average equity (ytd only) | 10.9534% | 813 |
| Net charge-offs to loans | 0.1142% | 1,049 |
| Credit loss provision to net charge-offs | 226.9231% | 974 |
| Earnings coverage of net charge-offs (x) | 16.0385% | 1,717 |
| Efficiency ratio | 75.3583% | 1,569 |
| Assets per employee ($millions) | 3.1031% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8022% | 4,514 |
| Loan loss allowance to noncurrent loans | 67.2293% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9819% | 1,421 |
| Noncurrent loans to loans | 1.1933% | 1,387 |
| Net loans and leases to total assets | 80.6439% | 764 |
| Net loans and leases to deposits | 104.9406% | 361 |
| Net loans and leases to core deposits | 118.5487% | 566 |
| Total domestic deposits to total assets | 76.8471% | 4,667 |
| Equity capital to assets | 9.5952% | 4,167 |
| Core capital (leverage) ratio | 9.3459% | 4,321 |
| Tier 1 risk-based capital ratio | 11.8667% | 4,530 |
| Total risk-based capital ratio | 12.7422% | 4,642 |
| Memoranda: | ||
| Average total assets | $556,471,000 | 1,305 |
| Average earning assets | $520,395,500 | 1,297 |
| Average equity | $51,783,000 | 1,532 |
| Average total loans | $455,399,000 | 1,161 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0517% | 942 |
| Cost of funding earning assets | 1.0000% | 746 |
| Net interest margin | 4.0517% | 1,818 |
| Noninterest income to average assets | 2.1526% | 244 |
| Noninterest expense to average assets | 4.2899% | 367 |
| Loan and lease loss provision to assets | 0.2599% | 653 |
| Net operating income to assets | 1.1329% | 2,460 |
| Return on assets (ROA) | 1.1301% | 2,473 |
| Pretax return on assets | 1.4170% | 2,080 |
| Return on Equity (ROE) | 11.3590% | 1,955 |
| Retained earnings to average equity (ytd only) | 7.1148% | 1,619 |
| Net charge-offs to loans | 0.1163% | 1,586 |
| Credit loss provision to net charge-offs | 273.4375% | 1,102 |
| Earnings coverage of net charge-offs (x) | 17.6696% | 2,177 |
| Efficiency ratio | 70.0682% | 2,175 |
| Assets per employee ($millions) | 3.0618% | 4,958 |
| Cash dividends to net income (ytd only)* | 37.3639% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8061% | 4,515 |
| Loan loss allowance to noncurrent loans | 47.5116% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.4232% | 839 |
| Noncurrent loans to loans | 1.6967% | 855 |
| Net loans and leases to total assets | 81.7489% | 687 |
| Net loans and leases to deposits | 106.1358% | 365 |
| Net loans and leases to core deposits | 119.9611% | 548 |
| Total domestic deposits to total assets | 77.0229% | 4,629 |
| Equity capital to assets | 8.9971% | 4,576 |
| Core capital (leverage) ratio | 8.8939% | 4,743 |
| Tier 1 risk-based capital ratio | 11.2253% | 4,850 |
| Total risk-based capital ratio | 12.1138% | 4,923 |
| Memoranda: | ||
| Average total assets | $471,292,200 | 1,486 |
| Average earning assets | $443,988,200 | 1,470 |
| Average equity | $46,888,000 | 1,602 |
| Average total loans | $385,226,800 | 1,291 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0008% | 942 |
| Cost of funding earning assets | 0.9440% | 767 |
| Net interest margin | 4.0568% | 1,766 |
| Noninterest income to average assets | 2.0601% | 263 |
| Noninterest expense to average assets | 4.1372% | 438 |
| Loan and lease loss provision to assets | 0.1878% | 955 |
| Net operating income to assets | 1.2348% | 2,107 |
| Return on assets (ROA) | 1.2327% | 2,116 |
| Pretax return on assets | 1.5551% | 1,720 |
| Return on Equity (ROE) | 12.0484% | 1,775 |
| Retained earnings to average equity (ytd only) | 8.4921% | 1,423 |
| Net charge-offs to loans | 0.0792% | 1,728 |
| Credit loss provision to net charge-offs | 290.9091% | 1,049 |
| Earnings coverage of net charge-offs (x) | 27.0315% | 1,716 |
| Efficiency ratio | 68.3893% | 2,466 |
| Assets per employee ($millions) | 3.0986% | 4,966 |
| Cash dividends to net income (ytd only)* | 29.5168% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 4,632 |
| Loan loss allowance to noncurrent loans | 45.3292% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.4699% | 883 |
| Noncurrent loans to loans | 1.7577% | 880 |
| Net loans and leases to total assets | 81.4255% | 807 |
| Net loans and leases to deposits | 102.0786% | 646 |
| Net loans and leases to core deposits | 115.7775% | 728 |
| Total domestic deposits to total assets | 79.7674% | 4,158 |
| Equity capital to assets | 9.7213% | 3,901 |
| Core capital (leverage) ratio | 9.5406% | 4,126 |
| Tier 1 risk-based capital ratio | 12.2537% | 4,348 |
| Total risk-based capital ratio | 13.1361% | 4,439 |
| Memoranda: | ||
| Average total assets | $454,397,500 | 1,537 |
| Average earning assets | $428,108,000 | 1,513 |
| Average equity | $46,489,250 | 1,616 |
| Average total loans | $370,508,250 | 1,337 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9460% | 929 |
| Cost of funding earning assets | 0.9001% | 734 |
| Net interest margin | 4.0460% | 1,708 |
| Noninterest income to average assets | 1.7779% | 328 |
| Noninterest expense to average assets | 3.8815% | 615 |
| Loan and lease loss provision to assets | 0.1879% | 939 |
| Net operating income to assets | 1.2028% | 2,186 |
| Return on assets (ROA) | 1.1996% | 2,200 |
| Pretax return on assets | 1.5162% | 1,756 |
| Return on Equity (ROE) | 11.5122% | 1,906 |
| Retained earnings to average equity (ytd only) | 7.2098% | 1,972 |
| Net charge-offs to loans | 0.0551% | 1,818 |
| Credit loss provision to net charge-offs | 419.1919% | 795 |
| Earnings coverage of net charge-offs (x) | 38.0808% | 1,337 |
| Efficiency ratio | 67.3446% | 2,756 |
| Assets per employee ($millions) | 3.8338% | 4,160 |
| Cash dividends to net income (ytd only)* | 37.3726% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8265% | 4,616 |
| Loan loss allowance to noncurrent loans | 50.6745% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.3666% | 1,021 |
| Noncurrent loans to loans | 1.6310% | 988 |
| Net loans and leases to total assets | 81.3240% | 806 |
| Net loans and leases to deposits | 103.1140% | 582 |
| Net loans and leases to core deposits | 117.3998% | 660 |
| Total domestic deposits to total assets | 78.8680% | 4,447 |
| Equity capital to assets | 10.1400% | 3,495 |
| Core capital (leverage) ratio | 9.9186% | 3,669 |
| Tier 1 risk-based capital ratio | 12.8089% | 4,001 |
| Total risk-based capital ratio | 13.7184% | 4,100 |
| Memoranda: | ||
| Average total assets | $441,636,330 | 1,578 |
| Average earning assets | $415,969,330 | 1,558 |
| Average equity | $46,020,670 | 1,634 |
| Average total loans | $359,214,330 | 1,364 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9061% | 860 |
| Cost of funding earning assets | 0.8524% | 758 |
| Net interest margin | 4.0537% | 1,552 |
| Noninterest income to average assets | 1.7390% | 328 |
| Noninterest expense to average assets | 3.8166% | 658 |
| Loan and lease loss provision to assets | 0.1711% | 1,031 |
| Net operating income to assets | 1.2525% | 1,799 |
| Return on assets (ROA) | 1.2414% | 1,851 |
| Pretax return on assets | 1.5587% | 1,502 |
| Return on Equity (ROE) | 11.7446% | 1,670 |
| Retained earnings to average equity (ytd only) | 8.9441% | 1,474 |
| Net charge-offs to loans | 0.0423% | 1,694 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 50.8649% | 936 |
| Efficiency ratio | 66.5113% | 3,076 |
| Assets per employee ($millions) | 3.7102% | 4,406 |
| Cash dividends to net income (ytd only)* | 23.8450% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 4,686 |
| Loan loss allowance to noncurrent loans | 49.9323% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.3531% | 1,088 |
| Noncurrent loans to loans | 1.6719% | 1,026 |
| Net loans and leases to total assets | 79.3672% | 1,026 |
| Net loans and leases to deposits | 97.9549% | 861 |
| Net loans and leases to core deposits | 111.6078% | 908 |
| Total domestic deposits to total assets | 81.0242% | 4,197 |
| Equity capital to assets | 10.4346% | 3,138 |
| Core capital (leverage) ratio | 10.2953% | 3,193 |
| Tier 1 risk-based capital ratio | 13.4879% | 3,658 |
| Total risk-based capital ratio | 14.4102% | 3,775 |
| Memoranda: | ||
| Average total assets | $432,424,500 | 1,615 |
| Average earning assets | $407,332,500 | 1,595 |
| Average equity | $45,706,000 | 1,653 |
| Average total loans | $350,193,000 | 1,395 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7709% | 1,031 |
| Cost of funding earning assets | 0.8298% | 529 |
| Net interest margin | 3.9411% | 1,952 |
| Noninterest income to average assets | 1.8637% | 329 |
| Noninterest expense to average assets | 3.8448% | 657 |
| Loan and lease loss provision to assets | 0.2674% | 673 |
| Net operating income to assets | 0.9385% | 2,501 |
| Return on assets (ROA) | 0.9400% | 2,529 |
| Pretax return on assets | 1.4795% | 1,722 |
| Return on Equity (ROE) | 8.7814% | 2,411 |
| Retained earnings to average equity (ytd only) | 7.8003% | 828 |
| Net charge-offs to loans | 0.0914% | 2,172 |
| Credit loss provision to net charge-offs | 357.8431% | 826 |
| Earnings coverage of net charge-offs (x) | 23.3431% | 1,810 |
| Efficiency ratio | 66.8749% | 3,103 |
| Assets per employee ($millions) | 3.5575% | 4,627 |
| Cash dividends to net income (ytd only)* | 11.1717% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8074% | 4,802 |
| Loan loss allowance to noncurrent loans | 36.9365% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 1.8408% | 660 |
| Noncurrent loans to loans | 2.1860% | 670 |
| Net loans and leases to total assets | 81.3107% | 779 |
| Net loans and leases to deposits | 101.4363% | 628 |
| Net loans and leases to core deposits | 115.5391% | 736 |
| Total domestic deposits to total assets | 80.1594% | 4,310 |
| Equity capital to assets | 10.7106% | 2,930 |
| Core capital (leverage) ratio | 10.3279% | 3,044 |
| Tier 1 risk-based capital ratio | 13.7006% | 3,522 |
| Total risk-based capital ratio | 14.6076% | 3,621 |
| Memoranda: | ||
| Average total assets | $409,462,000 | 1,669 |
| Average earning assets | $387,073,200 | 1,642 |
| Average equity | $43,831,400 | 1,695 |
| Average total loans | $334,837,600 | 1,430 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 1,069 |
| Cost of funding earning assets | 0.8190% | 515 |
| Net interest margin | 3.9123% | 1,995 |
| Noninterest income to average assets | 1.9405% | 323 |
| Noninterest expense to average assets | 3.8555% | 628 |
| Loan and lease loss provision to assets | 0.1658% | 1,220 |
| Net operating income to assets | 1.1111% | 2,039 |
| Return on assets (ROA) | 1.1133% | 2,088 |
| Pretax return on assets | 1.6266% | 1,323 |
| Return on Equity (ROE) | 10.4016% | 1,948 |
| Retained earnings to average equity (ytd only) | 9.0822% | 816 |
| Net charge-offs to loans | 0.0494% | 2,441 |
| Credit loss provision to net charge-offs | 410.5691% | 754 |
| Earnings coverage of net charge-offs (x) | 44.2916% | 1,213 |
| Efficiency ratio | 66.5406% | 3,115 |
| Assets per employee ($millions) | 3.4432% | 4,808 |
| Cash dividends to net income (ytd only)* | 12.6844% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7265% | 5,081 |
| Loan loss allowance to noncurrent loans | 30.9912% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.9614% | 668 |
| Noncurrent loans to loans | 2.3442% | 672 |
| Net loans and leases to total assets | 80.5496% | 908 |
| Net loans and leases to deposits | 97.5324% | 964 |
| Net loans and leases to core deposits | 110.8070% | 985 |
| Total domestic deposits to total assets | 82.5875% | 3,586 |
| Equity capital to assets | 11.1186% | 2,746 |
| Core capital (leverage) ratio | 10.6634% | 2,809 |
| Tier 1 risk-based capital ratio | 14.5370% | 3,162 |
| Total risk-based capital ratio | 15.3461% | 3,309 |
| Memoranda: | ||
| Average total assets | $405,992,750 | 1,693 |
| Average earning assets | $384,381,750 | 1,658 |
| Average equity | $43,453,750 | 1,722 |
| Average total loans | $331,791,500 | 1,446 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 1,059 |
| Cost of funding earning assets | 0.8027% | 518 |
| Net interest margin | 3.8968% | 1,938 |
| Noninterest income to average assets | 1.8710% | 350 |
| Noninterest expense to average assets | 3.8809% | 605 |
| Loan and lease loss provision to assets | 0.1749% | 1,101 |
| Net operating income to assets | 1.0357% | 2,268 |
| Return on assets (ROA) | 1.0357% | 2,312 |
| Pretax return on assets | 1.5108% | 1,598 |
| Return on Equity (ROE) | 9.8041% | 2,122 |
| Retained earnings to average equity (ytd only) | 7.7985% | 1,239 |
| Net charge-offs to loans | 0.0331% | 2,536 |
| Credit loss provision to net charge-offs | 645.4545% | 530 |
| Earnings coverage of net charge-offs (x) | 62.2000% | 928 |
| Efficiency ratio | 67.9295% | 3,025 |
| Assets per employee ($millions) | 3.2854% | 4,999 |
| Cash dividends to net income (ytd only)* | 20.4567% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7071% | 5,193 |
| Loan loss allowance to noncurrent loans | 34.2109% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 1.8392% | 739 |
| Noncurrent loans to loans | 2.0668% | 807 |
| Net loans and leases to total assets | 81.0365% | 811 |
| Net loans and leases to deposits | 97.8635% | 905 |
| Net loans and leases to core deposits | 110.0917% | 998 |
| Total domestic deposits to total assets | 82.8057% | 3,627 |
| Equity capital to assets | 10.9444% | 2,870 |
| Core capital (leverage) ratio | 10.4921% | 2,926 |
| Tier 1 risk-based capital ratio | 14.4102% | 3,213 |
| Total risk-based capital ratio | 15.2099% | 3,364 |
| Memoranda: | ||
| Average total assets | $405,890,000 | 1,691 |
| Average earning assets | $384,928,330 | 1,660 |
| Average equity | $42,880,000 | 1,742 |
| Average total loans | $332,499,000 | 1,449 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 1,065 |
| Cost of funding earning assets | 0.7982% | 490 |
| Net interest margin | 3.8308% | 2,013 |
| Noninterest income to average assets | 1.4358% | 521 |
| Noninterest expense to average assets | 3.9380% | 580 |
| Loan and lease loss provision to assets | 0.1812% | 954 |
| Net operating income to assets | 0.6689% | 3,840 |
| Return on assets (ROA) | 0.6689% | 3,882 |
| Pretax return on assets | 0.9500% | 3,586 |
| Return on Equity (ROE) | 6.4454% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.4454% | 2,112 |
| Net charge-offs to loans | 0.0573% | 1,763 |
| Credit loss provision to net charge-offs | 385.4167% | 665 |
| Earnings coverage of net charge-offs (x) | 24.0625% | 1,368 |
| Efficiency ratio | 75.7342% | 1,949 |
| Assets per employee ($millions) | 3.3085% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6593% | 5,392 |
| Loan loss allowance to noncurrent loans | 68.8441% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 0.9327% | 1,976 |
| Noncurrent loans to loans | 0.9577% | 2,124 |
| Net loans and leases to total assets | 80.9191% | 704 |
| Net loans and leases to deposits | 97.4244% | 817 |
| Net loans and leases to core deposits | 109.5565% | 899 |
| Total domestic deposits to total assets | 83.0583% | 3,808 |
| Equity capital to assets | 10.6810% | 2,982 |
| Core capital (leverage) ratio | 10.0120% | 3,480 |
| Tier 1 risk-based capital ratio | 14.3364% | 3,294 |
| Total risk-based capital ratio | 15.0950% | 3,486 |
| Memoranda: | ||
| Average total assets | $408,426,000 | 1,698 |
| Average earning assets | $387,391,000 | 1,666 |
| Average equity | $42,386,500 | 1,762 |
| Average total loans | $335,187,500 | 1,441 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1158% | 40 |
| Cost of funding earning assets | 1.4226% | 23 |
| Net interest margin | 6.6932% | 48 |
| Noninterest income to average assets | 1.4426% | 554 |
| Noninterest expense to average assets | 5.4509% | 214 |
| Loan and lease loss provision to assets | 0.5314% | 261 |
| Net operating income to assets | 1.2705% | 1,302 |
| Return on assets (ROA) | 1.2705% | 1,370 |
| Pretax return on assets | 1.7755% | 851 |
| Return on Equity (ROE) | 12.7779% | 1,048 |
| Retained earnings to average equity (ytd only) | 3.4109% | 3,496 |
| Net charge-offs to loans | 0.8510% | 230 |
| Credit loss provision to net charge-offs | 73.4921% | 3,075 |
| Earnings coverage of net charge-offs (x) | 3.1905% | 3,711 |
| Efficiency ratio | 69.6797% | 2,962 |
| Assets per employee ($millions) | 3.3058% | 5,035 |
| Cash dividends to net income (ytd only)* | 73.3062% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5847% | 5,556 |
| Loan loss allowance to noncurrent loans | 162.2079% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 3,483 |
| Noncurrent loans to loans | 0.3605% | 3,839 |
| Net loans and leases to total assets | 82.1730% | 584 |
| Net loans and leases to deposits | 100.3877% | 648 |
| Net loans and leases to core deposits | 110.3580% | 877 |
| Total domestic deposits to total assets | 81.8556% | 4,112 |
| Equity capital to assets | 10.0868% | 3,622 |
| Core capital (leverage) ratio | 9.6299% | 3,932 |
| Tier 1 risk-based capital ratio | 13.4359% | 3,810 |
| Total risk-based capital ratio | 14.1140% | 4,050 |
| Memoranda: | ||
| Average total assets | $174,264,800 | 3,228 |
| Average earning assets | $164,420,400 | 3,181 |
| Average equity | $17,326,800 | 3,510 |
| Average total loans | $148,060,800 | 2,667 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2878% | 374 |
| Cost of funding earning assets | 0.6344% | 1,117 |
| Net interest margin | 4.6533% | 465 |
| Noninterest income to average assets | 5.9664% | 106 |
| Noninterest expense to average assets | 8.6178% | 89 |
| Loan and lease loss provision to assets | 0.3330% | 490 |
| Net operating income to assets | 0.9063% | 2,869 |
| Return on assets (ROA) | 0.9323% | 2,866 |
| Pretax return on assets | 1.4248% | 1,949 |
| Return on Equity (ROE) | 9.5022% | 2,271 |
| Retained earnings to average equity (ytd only) | 8.3667% | 1,025 |
| Net charge-offs to loans | 1.2255% | 129 |
| Credit loss provision to net charge-offs | 31.2088% | 3,217 |
| Earnings coverage of net charge-offs (x) | 1.6099% | 3,673 |
| Efficiency ratio | 83.3787% | 1,037 |
| Assets per employee ($millions) | 1.3458% | 5,919 |
| Cash dividends to net income (ytd only)* | 11.9494% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 4,778 |
| Loan loss allowance to noncurrent loans | 119.1271% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.4585% | 1,247 |
| Noncurrent loans to loans | 0.7772% | 2,733 |
| Net loans and leases to total assets | 85.7977% | 265 |
| Net loans and leases to deposits | 100.6957% | 664 |
| Net loans and leases to core deposits | 110.5153% | 883 |
| Total domestic deposits to total assets | 85.2050% | 2,718 |
| Equity capital to assets | 9.9417% | 4,186 |
| Core capital (leverage) ratio | 9.9325% | 3,656 |
| Tier 1 risk-based capital ratio | 12.5106% | 4,467 |
| Total risk-based capital ratio | 13.5422% | 4,515 |
| Memoranda: | ||
| Average total assets | $113,699,750 | 4,128 |
| Average earning assets | $106,759,250 | 4,090 |
| Average equity | $11,155,000 | 4,447 |
| Average total loans | $99,005,000 | 3,410 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3917% | 302 |
| Cost of funding earning assets | 0.6207% | 1,190 |
| Net interest margin | 4.7710% | 391 |
| Noninterest income to average assets | 6.0997% | 102 |
| Noninterest expense to average assets | 8.7311% | 88 |
| Loan and lease loss provision to assets | 0.3097% | 562 |
| Net operating income to assets | 1.0049% | 2,369 |
| Return on assets (ROA) | 1.0441% | 2,334 |
| Pretax return on assets | 1.5944% | 1,388 |
| Return on Equity (ROE) | 10.6903% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.3280% | 540 |
| Net charge-offs to loans | 0.9392% | 199 |
| Credit loss provision to net charge-offs | 37.7970% | 2,792 |
| Earnings coverage of net charge-offs (x) | 2.2505% | 3,301 |
| Efficiency ratio | 82.5636% | 1,208 |
| Assets per employee ($millions) | 1.3280% | 5,999 |
| Cash dividends to net income (ytd only)* | 3.3898% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 3,633 |
| Loan loss allowance to noncurrent loans | 102.0000% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.7762% | 978 |
| Noncurrent loans to loans | 1.1292% | 2,040 |
| Net loans and leases to total assets | 85.3074% | 307 |
| Net loans and leases to deposits | 103.1846% | 497 |
| Net loans and leases to core deposits | 113.9154% | 732 |
| Total domestic deposits to total assets | 82.6745% | 3,771 |
| Equity capital to assets | 10.0824% | 4,122 |
| Core capital (leverage) ratio | 10.0042% | 3,558 |
| Tier 1 risk-based capital ratio | 12.4371% | 4,568 |
| Total risk-based capital ratio | 13.6877% | 4,482 |
| Memoranda: | ||
| Average total assets | $113,021,330 | 4,168 |
| Average earning assets | $106,015,670 | 4,132 |
| Average equity | $11,038,000 | 4,491 |
| Average total loans | $98,598,000 | 3,429 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 352 |
| Cost of funding earning assets | 0.6105% | 1,270 |
| Net interest margin | 4.6990% | 421 |
| Noninterest income to average assets | 5.6980% | 99 |
| Noninterest expense to average assets | 8.5629% | 93 |
| Loan and lease loss provision to assets | 0.4952% | 252 |
| Net operating income to assets | 0.6881% | 3,769 |
| Return on assets (ROA) | 0.7675% | 3,514 |
| Pretax return on assets | 1.1707% | 2,817 |
| Return on Equity (ROE) | 7.9879% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.2516% | 1,772 |
| Net charge-offs to loans | 1.7986% | 89 |
| Credit loss provision to net charge-offs | 31.3901% | 2,212 |
| Earnings coverage of net charge-offs (x) | 0.9798% | 2,876 |
| Efficiency ratio | 84.7096% | 1,090 |
| Assets per employee ($millions) | 1.3008% | 6,062 |
| Cash dividends to net income (ytd only)* | 9.2166% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 3,924 |
| Loan loss allowance to noncurrent loans | 68.5093% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 2.1427% | 781 |
| Noncurrent loans to loans | 1.6404% | 1,396 |
| Net loans and leases to total assets | 86.7475% | 177 |
| Net loans and leases to deposits | 101.9810% | 511 |
| Net loans and leases to core deposits | 111.9674% | 752 |
| Total domestic deposits to total assets | 85.0625% | 3,107 |
| Equity capital to assets | 9.8117% | 4,326 |
| Core capital (leverage) ratio | 9.7278% | 3,873 |
| Tier 1 risk-based capital ratio | 12.0446% | 4,885 |
| Total risk-based capital ratio | 13.2807% | 4,809 |
| Memoranda: | ||
| Average total assets | $113,092,000 | 4,200 |
| Average earning assets | $106,151,000 | 4,157 |
| Average equity | $10,866,500 | 4,532 |
| Average total loans | $99,188,500 | 3,437 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2837% | 377 |
| Cost of funding earning assets | 0.5953% | 1,394 |
| Net interest margin | 4.6884% | 458 |
| Noninterest income to average assets | 6.5660% | 94 |
| Noninterest expense to average assets | 8.9723% | 89 |
| Loan and lease loss provision to assets | 0.0009% | 4,367 |
| Net operating income to assets | 1.3236% | 1,214 |
| Return on assets (ROA) | 1.3236% | 1,257 |
| Pretax return on assets | 2.0173% | 522 |
| Return on Equity (ROE) | 15.2607% | 650 |
| Retained earnings to average equity (ytd only) | 11.2958% | 309 |
| Net charge-offs to loans | -0.1073% | 5,798 |
| Credit loss provision to net charge-offs | -0.9091% | 4,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6372% | 1,455 |
| Assets per employee ($millions) | 1.2845% | 6,121 |
| Cash dividends to net income (ytd only)* | 25.9807% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 2,389 |
| Loan loss allowance to noncurrent loans | 81.8340% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 2.2402% | 745 |
| Noncurrent loans to loans | 1.7190% | 1,310 |
| Net loans and leases to total assets | 86.4457% | 197 |
| Net loans and leases to deposits | 100.9789% | 610 |
| Net loans and leases to core deposits | 115.0349% | 636 |
| Total domestic deposits to total assets | 85.6077% | 2,814 |
| Equity capital to assets | 9.4097% | 4,662 |
| Core capital (leverage) ratio | 9.4098% | 4,307 |
| Tier 1 risk-based capital ratio | 11.7226% | 5,118 |
| Total risk-based capital ratio | 12.9769% | 5,035 |
| Memoranda: | ||
| Average total assets | $117,484,000 | 4,107 |
| Average earning assets | $110,868,800 | 4,054 |
| Average equity | $10,189,600 | 4,625 |
| Average total loans | $102,496,800 | 3,346 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3229% | 363 |
| Cost of funding earning assets | 0.5997% | 1,407 |
| Net interest margin | 4.7232% | 438 |
| Noninterest income to average assets | 6.9474% | 96 |
| Noninterest expense to average assets | 9.2764% | 88 |
| Loan and lease loss provision to assets | 0.1465% | 1,489 |
| Net operating income to assets | 1.2998% | 1,344 |
| Return on assets (ROA) | 1.2998% | 1,398 |
| Pretax return on assets | 1.9818% | 619 |
| Return on Equity (ROE) | 15.2998% | 687 |
| Retained earnings to average equity (ytd only) | 11.2792% | 438 |
| Net charge-offs to loans | -0.0013% | 4,673 |
| Credit loss provision to net charge-offs | -13,000.0000% | 5,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3383% | 1,485 |
| Assets per employee ($millions) | 1.2954% | 6,205 |
| Cash dividends to net income (ytd only)* | 26.2794% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 2,384 |
| Loan loss allowance to noncurrent loans | 66.0194% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 2.1553% | 902 |
| Noncurrent loans to loans | 2.1904% | 1,004 |
| Net loans and leases to total assets | 85.3708% | 264 |
| Net loans and leases to deposits | 100.0730% | 660 |
| Net loans and leases to core deposits | 114.3043% | 656 |
| Total domestic deposits to total assets | 85.3085% | 2,882 |
| Equity capital to assets | 9.1914% | 5,125 |
| Core capital (leverage) ratio | 8.6615% | 5,398 |
| Tier 1 risk-based capital ratio | 11.3339% | 5,473 |
| Total risk-based capital ratio | 12.5875% | 5,378 |
| Memoranda: | ||
| Average total assets | $118,275,500 | 4,139 |
| Average earning assets | $111,616,500 | 4,090 |
| Average equity | $10,047,750 | 4,713 |
| Average total loans | $103,062,750 | 3,363 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2128% | 419 |
| Cost of funding earning assets | 0.5835% | 1,539 |
| Net interest margin | 4.6293% | 506 |
| Noninterest income to average assets | 7.0559% | 96 |
| Noninterest expense to average assets | 9.1294% | 90 |
| Loan and lease loss provision to assets | 0.1587% | 1,341 |
| Net operating income to assets | 1.3918% | 1,108 |
| Return on assets (ROA) | 1.3918% | 1,144 |
| Pretax return on assets | 2.1286% | 471 |
| Return on Equity (ROE) | 16.8209% | 509 |
| Retained earnings to average equity (ytd only) | 12.7419% | 328 |
| Net charge-offs to loans | -0.0019% | 4,587 |
| Credit loss provision to net charge-offs | -9,500.0000% | 5,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9649% | 1,769 |
| Assets per employee ($millions) | 1.4078% | 6,278 |
| Cash dividends to net income (ytd only)* | 24.2497% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 3,621 |
| Loan loss allowance to noncurrent loans | 69.7349% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.7899% | 1,289 |
| Noncurrent loans to loans | 1.7639% | 1,452 |
| Net loans and leases to total assets | 87.3718% | 172 |
| Net loans and leases to deposits | 112.6836% | 208 |
| Net loans and leases to core deposits | 130.6915% | 261 |
| Total domestic deposits to total assets | 77.5373% | 5,371 |
| Equity capital to assets | 7.9791% | 5,993 |
| Core capital (leverage) ratio | 8.5608% | 5,479 |
| Tier 1 risk-based capital ratio | 10.1398% | 6,043 |
| Total risk-based capital ratio | 11.3916% | 5,987 |
| Memoranda: | ||
| Average total assets | $119,701,330 | 4,163 |
| Average earning assets | $112,761,000 | 4,100 |
| Average equity | $9,904,330 | 4,768 |
| Average total loans | $104,500,670 | 3,352 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1603% | 436 |
| Cost of funding earning assets | 0.5926% | 1,486 |
| Net interest margin | 4.5677% | 535 |
| Noninterest income to average assets | 6.6218% | 107 |
| Noninterest expense to average assets | 9.0946% | 92 |
| Loan and lease loss provision to assets | 0.1385% | 1,484 |
| Net operating income to assets | 1.1048% | 1,856 |
| Return on assets (ROA) | 1.1048% | 1,960 |
| Pretax return on assets | 1.6866% | 1,081 |
| Return on Equity (ROE) | 13.0932% | 1,066 |
| Retained earnings to average equity (ytd only) | 8.9477% | 1,213 |
| Net charge-offs to loans | -0.0040% | 4,448 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2858% | 1,453 |
| Assets per employee ($millions) | 1.2618% | 6,352 |
| Cash dividends to net income (ytd only)* | 31.6614% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 3,247 |
| Loan loss allowance to noncurrent loans | 85.0064% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.5919% | 1,611 |
| Noncurrent loans to loans | 1.5634% | 1,791 |
| Net loans and leases to total assets | 84.6524% | 274 |
| Net loans and leases to deposits | 102.9804% | 414 |
| Net loans and leases to core deposits | 116.8327% | 495 |
| Total domestic deposits to total assets | 82.2024% | 4,455 |
| Equity capital to assets | 8.4178% | 5,795 |
| Core capital (leverage) ratio | 8.7382% | 5,281 |
| Tier 1 risk-based capital ratio | 10.7208% | 5,930 |
| Total risk-based capital ratio | 11.9930% | 5,848 |
| Memoranda: | ||
| Average total assets | $115,497,000 | 4,260 |
| Average earning assets | $108,676,000 | 4,202 |
| Average equity | $9,745,500 | 4,840 |
| Average total loans | $100,088,000 | 3,449 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5963% | 271 |
| Cost of funding earning assets | 0.6064% | 1,713 |
| Net interest margin | 4.9899% | 309 |
| Noninterest income to average assets | 8.0114% | 82 |
| Noninterest expense to average assets | 10.1758% | 74 |
| Loan and lease loss provision to assets | 0.9914% | 113 |
| Net operating income to assets | 1.1172% | 1,918 |
| Return on assets (ROA) | 1.1172% | 1,969 |
| Pretax return on assets | 1.5694% | 1,320 |
| Return on Equity (ROE) | 12.7389% | 1,199 |
| Retained earnings to average equity (ytd only) | 7.1299% | 1,340 |
| Net charge-offs to loans | 0.6067% | 653 |
| Credit loss provision to net charge-offs | 186.8093% | 1,311 |
| Earnings coverage of net charge-offs (x) | 4.8253% | 3,557 |
| Efficiency ratio | 79.8945% | 1,947 |
| Assets per employee ($millions) | 1.1597% | 6,447 |
| Cash dividends to net income (ytd only)* | 44.0305% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 3,406 |
| Loan loss allowance to noncurrent loans | 96.0741% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.4976% | 1,825 |
| Noncurrent loans to loans | 1.3568% | 2,169 |
| Net loans and leases to total assets | 86.4114% | 182 |
| Net loans and leases to deposits | 105.2505% | 388 |
| Net loans and leases to core deposits | 119.5467% | 422 |
| Total domestic deposits to total assets | 82.1007% | 4,383 |
| Equity capital to assets | 8.4586% | 5,785 |
| Core capital (leverage) ratio | 8.6335% | 5,403 |
| Tier 1 risk-based capital ratio | 10.6844% | 6,029 |
| Total risk-based capital ratio | 11.9375% | 5,969 |
| Memoranda: | ||
| Average total assets | $105,712,000 | 4,462 |
| Average earning assets | $100,101,600 | 4,389 |
| Average equity | $9,270,800 | 4,908 |
| Average total loans | $92,468,000 | 3,575 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6240% | 260 |
| Cost of funding earning assets | 0.6081% | 1,764 |
| Net interest margin | 5.0159% | 288 |
| Noninterest income to average assets | 8.1069% | 77 |
| Noninterest expense to average assets | 10.1699% | 73 |
| Loan and lease loss provision to assets | 0.6350% | 207 |
| Net operating income to assets | 1.4268% | 1,082 |
| Return on assets (ROA) | 1.4268% | 1,118 |
| Pretax return on assets | 2.0515% | 509 |
| Return on Equity (ROE) | 16.1124% | 663 |
| Retained earnings to average equity (ytd only) | 16.1124% | 163 |
| Net charge-offs to loans | 0.4968% | 781 |
| Credit loss provision to net charge-offs | 146.1538% | 1,614 |
| Earnings coverage of net charge-offs (x) | 6.1834% | 3,130 |
| Efficiency ratio | 79.1042% | 2,037 |
| Assets per employee ($millions) | 1.0637% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 5,069 |
| Loan loss allowance to noncurrent loans | 104.6587% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.3392% | 2,301 |
| Noncurrent loans to loans | 0.9856% | 3,105 |
| Net loans and leases to total assets | 85.4223% | 228 |
| Net loans and leases to deposits | 102.7049% | 468 |
| Net loans and leases to core deposits | 115.4150% | 534 |
| Total domestic deposits to total assets | 83.1725% | 4,072 |
| Equity capital to assets | 8.9280% | 5,434 |
| Core capital (leverage) ratio | 8.8664% | 5,242 |
| Tier 1 risk-based capital ratio | 11.4007% | 5,835 |
| Total risk-based capital ratio | 12.5337% | 5,827 |
| Memoranda: | ||
| Average total assets | $103,728,250 | 4,554 |
| Average earning assets | $98,219,250 | 4,490 |
| Average equity | $9,185,250 | 4,964 |
| Average total loans | $90,709,750 | 3,643 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5362% | 288 |
| Cost of funding earning assets | 0.5986% | 1,910 |
| Net interest margin | 4.9376% | 323 |
| Noninterest income to average assets | 7.3293% | 86 |
| Noninterest expense to average assets | 10.0081% | 77 |
| Loan and lease loss provision to assets | 0.7226% | 179 |
| Net operating income to assets | 0.9967% | 2,334 |
| Return on assets (ROA) | 0.9967% | 2,404 |
| Pretax return on assets | 1.2669% | 2,383 |
| Return on Equity (ROE) | 11.2885% | 1,635 |
| Retained earnings to average equity (ytd only) | 11.2885% | 500 |
| Net charge-offs to loans | 0.3098% | 1,307 |
| Credit loss provision to net charge-offs | 265.4676% | 951 |
| Earnings coverage of net charge-offs (x) | 7.3094% | 2,650 |
| Efficiency ratio | 83.4177% | 1,582 |
| Assets per employee ($millions) | 1.0570% | 6,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 4,778 |
| Loan loss allowance to noncurrent loans | 161.4907% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.9424% | 3,179 |
| Noncurrent loans to loans | 0.6984% | 3,964 |
| Net loans and leases to total assets | 84.5652% | 261 |
| Net loans and leases to deposits | 103.9292% | 365 |
| Net loans and leases to core deposits | 116.4850% | 465 |
| Total domestic deposits to total assets | 81.3681% | 4,852 |
| Equity capital to assets | 8.6519% | 5,661 |
| Core capital (leverage) ratio | 9.0407% | 4,959 |
| Tier 1 risk-based capital ratio | 11.2742% | 5,922 |
| Total risk-based capital ratio | 12.5220% | 5,865 |
| Memoranda: | ||
| Average total assets | $102,137,330 | 4,631 |
| Average earning assets | $96,564,670 | 4,565 |
| Average equity | $9,018,000 | 5,021 |
| Average total loans | $89,729,670 | 3,679 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4221% | 331 |
| Cost of funding earning assets | 0.5996% | 1,972 |
| Net interest margin | 4.8225% | 367 |
| Noninterest income to average assets | 6.0786% | 95 |
| Noninterest expense to average assets | 9.5550% | 82 |
| Loan and lease loss provision to assets | 0.2659% | 785 |
| Net operating income to assets | 0.5317% | 4,545 |
| Return on assets (ROA) | 0.5317% | 4,615 |
| Pretax return on assets | 0.8258% | 3,999 |
| Return on Equity (ROE) | 5.9574% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.9574% | 2,569 |
| Net charge-offs to loans | 0.0090% | 3,444 |
| Credit loss provision to net charge-offs | 3,300.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 135.5000% | 367 |
| Efficiency ratio | 89.7465% | 1,057 |
| Assets per employee ($millions) | 0.9589% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 5,634 |
| Loan loss allowance to noncurrent loans | 83.7967% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1680% | 2,920 |
| Noncurrent loans to loans | 1.1585% | 3,112 |
| Net loans and leases to total assets | 88.5456% | 68 |
| Net loans and leases to deposits | 103.7568% | 302 |
| Net loans and leases to core deposits | 115.3024% | 423 |
| Total domestic deposits to total assets | 85.3396% | 3,702 |
| Equity capital to assets | 8.7927% | 5,348 |
| Core capital (leverage) ratio | 9.1521% | 4,785 |
| Tier 1 risk-based capital ratio | 11.3144% | 6,013 |
| Total risk-based capital ratio | 12.4172% | 6,038 |
| Memoranda: | ||
| Average total assets | $99,298,500 | 4,751 |
| Average earning assets | $94,059,000 | 4,682 |
| Average equity | $8,863,000 | 5,090 |
| Average total loans | $88,487,500 | 3,739 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7264% | 261 |
| Cost of funding earning assets | 0.8211% | 1,088 |
| Net interest margin | 4.9053% | 357 |
| Noninterest income to average assets | 6.4627% | 103 |
| Noninterest expense to average assets | 9.9023% | 82 |
| Loan and lease loss provision to assets | 0.3632% | 858 |
| Net operating income to assets | 0.5358% | 4,573 |
| Return on assets (ROA) | 0.5358% | 4,703 |
| Pretax return on assets | 0.8368% | 4,010 |
| Return on Equity (ROE) | 5.7569% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.7569% | 2,131 |
| Net charge-offs to loans | 1.2404% | 420 |
| Credit loss provision to net charge-offs | 33.2110% | 4,179 |
| Earnings coverage of net charge-offs (x) | 1.0972% | 4,708 |
| Efficiency ratio | 88.2693% | 1,187 |
| Assets per employee ($millions) | 0.9791% | 6,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 5,817 |
| Loan loss allowance to noncurrent loans | 58.4416% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 1.5514% | 2,402 |
| Noncurrent loans to loans | 1.5941% | 2,513 |
| Net loans and leases to total assets | 87.9758% | 88 |
| Net loans and leases to deposits | 103.1741% | 353 |
| Net loans and leases to core deposits | 115.2379% | 439 |
| Total domestic deposits to total assets | 85.2693% | 3,612 |
| Equity capital to assets | 9.0623% | 4,957 |
| Core capital (leverage) ratio | 9.3553% | 4,464 |
| Tier 1 risk-based capital ratio | 11.9318% | 5,657 |
| Total risk-based capital ratio | 12.9984% | 5,708 |
| Memoranda: | ||
| Average total assets | $99,663,600 | 4,745 |
| Average earning assets | $94,264,800 | 4,675 |
| Average equity | $9,275,800 | 5,026 |
| Average total loans | $87,874,200 | 3,740 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7810% | 243 |
| Cost of funding earning assets | 0.8919% | 847 |
| Net interest margin | 4.8891% | 373 |
| Noninterest income to average assets | 6.8901% | 96 |
| Noninterest expense to average assets | 10.1135% | 79 |
| Loan and lease loss provision to assets | 0.4728% | 590 |
| Net operating income to assets | 0.5914% | 4,393 |
| Return on assets (ROA) | 0.5914% | 4,519 |
| Pretax return on assets | 0.9257% | 3,779 |
| Return on Equity (ROE) | 6.3135% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.3135% | 2,227 |
| Net charge-offs to loans | 1.6510% | 258 |
| Credit loss provision to net charge-offs | 32.5390% | 3,844 |
| Earnings coverage of net charge-offs (x) | 0.9624% | 4,523 |
| Efficiency ratio | 86.6713% | 1,299 |
| Assets per employee ($millions) | 1.0138% | 6,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 6,016 |
| Loan loss allowance to noncurrent loans | 53.5023% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.7268% | 2,376 |
| Noncurrent loans to loans | 1.7141% | 2,625 |
| Net loans and leases to total assets | 88.1151% | 84 |
| Net loans and leases to deposits | 101.6029% | 403 |
| Net loans and leases to core deposits | 114.3310% | 439 |
| Total domestic deposits to total assets | 86.7250% | 2,838 |
| Equity capital to assets | 9.4036% | 4,670 |
| Core capital (leverage) ratio | 9.3943% | 4,535 |
| Tier 1 risk-based capital ratio | 12.2218% | 5,626 |
| Total risk-based capital ratio | 13.2706% | 5,708 |
| Memoranda: | ||
| Average total assets | $100,101,750 | 4,778 |
| Average earning assets | $94,629,500 | 4,705 |
| Average equity | $9,376,500 | 5,061 |
| Average total loans | $88,105,750 | 3,756 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8353% | 229 |
| Cost of funding earning assets | 0.9393% | 744 |
| Net interest margin | 4.8961% | 373 |
| Noninterest income to average assets | 7.2698% | 94 |
| Noninterest expense to average assets | 10.3644% | 75 |
| Loan and lease loss provision to assets | 0.6058% | 418 |
| Net operating income to assets | 0.5860% | 4,368 |
| Return on assets (ROA) | 0.5860% | 4,546 |
| Pretax return on assets | 0.9276% | 3,794 |
| Return on Equity (ROE) | 6.2635% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.2635% | 2,284 |
| Net charge-offs to loans | 2.4818% | 153 |
| Credit loss provision to net charge-offs | 27.8285% | 3,628 |
| Earnings coverage of net charge-offs (x) | 0.7044% | 4,286 |
| Efficiency ratio | 85.7262% | 1,442 |
| Assets per employee ($millions) | 1.1132% | 6,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 6,272 |
| Loan loss allowance to noncurrent loans | 86.1751% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.1169% | 3,501 |
| Noncurrent loans to loans | 0.9779% | 3,980 |
| Net loans and leases to total assets | 87.8525% | 94 |
| Net loans and leases to deposits | 103.6361% | 273 |
| Net loans and leases to core deposits | 116.7788% | 376 |
| Total domestic deposits to total assets | 84.7702% | 4,010 |
| Equity capital to assets | 9.1930% | 5,001 |
| Core capital (leverage) ratio | 9.1448% | 4,763 |
| Tier 1 risk-based capital ratio | 11.9337% | 5,830 |
| Total risk-based capital ratio | 12.8989% | 5,981 |
| Memoranda: | ||
| Average total assets | $100,690,670 | 4,794 |
| Average earning assets | $95,178,670 | 4,719 |
| Average equity | $9,419,670 | 5,078 |
| Average total loans | $88,324,330 | 3,762 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8675% | 206 |
| Cost of funding earning assets | 1.1886% | 242 |
| Net interest margin | 4.6789% | 490 |
| Noninterest income to average assets | 6.8078% | 102 |
| Noninterest expense to average assets | 10.4930% | 77 |
| Loan and lease loss provision to assets | -0.3764% | 6,931 |
| Net operating income to assets | 0.7212% | 3,584 |
| Return on assets (ROA) | 0.7212% | 3,721 |
| Pretax return on assets | 1.1214% | 2,876 |
| Return on Equity (ROE) | 7.6434% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.6434% | 1,877 |
| Net charge-offs to loans | -0.0499% | 6,140 |
| Credit loss provision to net charge-offs | 863.6364% | 351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8900% | 996 |
| Assets per employee ($millions) | 1.1674% | 6,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 3,171 |
| Loan loss allowance to noncurrent loans | 63.2174% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.5144% | 1,830 |
| Noncurrent loans to loans | 2.6228% | 1,960 |
| Net loans and leases to total assets | 83.9497% | 194 |
| Net loans and leases to deposits | 98.6637% | 413 |
| Net loans and leases to core deposits | 110.8200% | 471 |
| Total domestic deposits to total assets | 85.0867% | 3,996 |
| Equity capital to assets | 9.2264% | 5,225 |
| Core capital (leverage) ratio | 9.0136% | 4,859 |
| Tier 1 risk-based capital ratio | 11.9345% | 5,955 |
| Total risk-based capital ratio | 13.1925% | 5,916 |
| Memoranda: | ||
| Average total assets | $100,943,500 | 4,843 |
| Average earning assets | $95,578,000 | 4,750 |
| Average equity | $9,524,500 | 5,102 |
| Average total loans | $88,105,000 | 3,788 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0581% | 243 |
| Cost of funding earning assets | 0.9918% | 1,399 |
| Net interest margin | 5.0663% | 340 |
| Noninterest income to average assets | 7.6892% | 93 |
| Noninterest expense to average assets | 10.0296% | 81 |
| Loan and lease loss provision to assets | 0.9924% | 426 |
| Net operating income to assets | 0.8451% | 3,067 |
| Return on assets (ROA) | 0.8451% | 3,326 |
| Pretax return on assets | 1.4315% | 1,937 |
| Return on Equity (ROE) | 8.7301% | 2,777 |
| Retained earnings to average equity (ytd only) | 8.7301% | 901 |
| Net charge-offs to loans | 0.4581% | 2,405 |
| Credit loss provision to net charge-offs | 246.2916% | 1,000 |
| Earnings coverage of net charge-offs (x) | 6.0153% | 2,891 |
| Efficiency ratio | 79.1543% | 2,258 |
| Assets per employee ($millions) | 1.1268% | 7,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 2,793 |
| Loan loss allowance to noncurrent loans | 70.3382% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.4889% | 1,967 |
| Noncurrent loans to loans | 2.4718% | 2,148 |
| Net loans and leases to total assets | 87.7148% | 91 |
| Net loans and leases to deposits | 100.2016% | 405 |
| Net loans and leases to core deposits | 110.9045% | 508 |
| Total domestic deposits to total assets | 87.5383% | 2,508 |
| Equity capital to assets | 9.6521% | 4,650 |
| Core capital (leverage) ratio | 9.4936% | 4,116 |
| Tier 1 risk-based capital ratio | 11.9502% | 5,824 |
| Total risk-based capital ratio | 13.2173% | 5,767 |
| Memoranda: | ||
| Average total assets | $97,032,600 | 4,912 |
| Average earning assets | $91,250,200 | 4,834 |
| Average equity | $9,392,800 | 5,131 |
| Average total loans | $85,347,200 | 3,868 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0860% | 254 |
| Cost of funding earning assets | 0.9602% | 1,783 |
| Net interest margin | 5.1258% | 322 |
| Noninterest income to average assets | 7.2868% | 97 |
| Noninterest expense to average assets | 9.6480% | 86 |
| Loan and lease loss provision to assets | 1.1095% | 348 |
| Net operating income to assets | 0.8014% | 3,445 |
| Return on assets (ROA) | 0.8014% | 3,690 |
| Pretax return on assets | 1.3457% | 2,428 |
| Return on Equity (ROE) | 8.2722% | 3,153 |
| Retained earnings to average equity (ytd only) | 8.2722% | 1,508 |
| Net charge-offs to loans | 0.6087% | 1,809 |
| Credit loss provision to net charge-offs | 208.0311% | 1,327 |
| Earnings coverage of net charge-offs (x) | 4.6037% | 3,255 |
| Efficiency ratio | 78.2877% | 2,357 |
| Assets per employee ($millions) | 1.1168% | 7,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 3,678 |
| Loan loss allowance to noncurrent loans | 64.6262% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 2.4095% | 2,207 |
| Noncurrent loans to loans | 2.4199% | 2,378 |
| Net loans and leases to total assets | 88.5733% | 78 |
| Net loans and leases to deposits | 100.0333% | 432 |
| Net loans and leases to core deposits | 112.4490% | 482 |
| Total domestic deposits to total assets | 88.5438% | 1,698 |
| Equity capital to assets | 9.7030% | 4,918 |
| Core capital (leverage) ratio | 9.3634% | 4,484 |
| Tier 1 risk-based capital ratio | 11.8273% | 6,042 |
| Total risk-based capital ratio | 13.0913% | 6,016 |
| Memoranda: | ||
| Average total assets | $96,500,750 | 4,975 |
| Average earning assets | $90,676,000 | 4,892 |
| Average equity | $9,348,250 | 5,190 |
| Average total loans | $84,554,750 | 3,938 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1223% | 250 |
| Cost of funding earning assets | 0.9451% | 2,092 |
| Net interest margin | 5.1772% | 306 |
| Noninterest income to average assets | 6.0475% | 115 |
| Noninterest expense to average assets | 9.0733% | 95 |
| Loan and lease loss provision to assets | 0.6798% | 826 |
| Net operating income to assets | 0.7007% | 3,867 |
| Return on assets (ROA) | 0.7007% | 4,133 |
| Pretax return on assets | 1.1490% | 3,123 |
| Return on Equity (ROE) | 7.2370% | 3,652 |
| Retained earnings to average equity (ytd only) | 7.2370% | 1,986 |
| Net charge-offs to loans | 0.6413% | 1,716 |
| Credit loss provision to net charge-offs | 122.0974% | 2,250 |
| Earnings coverage of net charge-offs (x) | 3.2846% | 3,429 |
| Efficiency ratio | 81.6373% | 1,936 |
| Assets per employee ($millions) | 1.0949% | 7,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 5,091 |
| Loan loss allowance to noncurrent loans | 45.1187% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 2.6456% | 2,093 |
| Noncurrent loans to loans | 2.7867% | 2,149 |
| Net loans and leases to total assets | 84.5916% | 192 |
| Net loans and leases to deposits | 95.3607% | 666 |
| Net loans and leases to core deposits | 107.3188% | 688 |
| Total domestic deposits to total assets | 88.7069% | 1,699 |
| Equity capital to assets | 9.8968% | 4,494 |
| Core capital (leverage) ratio | 9.4642% | 4,190 |
| Tier 1 risk-based capital ratio | 12.0379% | 5,902 |
| Total risk-based capital ratio | 13.2941% | 5,879 |
| Memoranda: | ||
| Average total assets | $95,908,000 | 5,008 |
| Average earning assets | $89,933,330 | 4,935 |
| Average equity | $9,285,670 | 5,206 |
| Average total loans | $83,262,330 | 4,004 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2211% | 224 |
| Cost of funding earning assets | 0.8925% | 2,749 |
| Net interest margin | 5.3286% | 236 |
| Noninterest income to average assets | 4.8257% | 136 |
| Noninterest expense to average assets | 8.2257% | 110 |
| Loan and lease loss provision to assets | 0.6401% | 862 |
| Net operating income to assets | 0.5861% | 4,412 |
| Return on assets (ROA) | 0.5861% | 4,632 |
| Pretax return on assets | 0.9477% | 3,874 |
| Return on Equity (ROE) | 6.1205% | 4,230 |
| Retained earnings to average equity (ytd only) | 6.1205% | 2,890 |
| Net charge-offs to loans | 0.5327% | 1,753 |
| Credit loss provision to net charge-offs | 137.5000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 3.4107% | 2,848 |
| Efficiency ratio | 82.0415% | 1,928 |
| Assets per employee ($millions) | 1.1132% | 7,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 5,601 |
| Loan loss allowance to noncurrent loans | 38.4146% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 2.7867% | 2,103 |
| Noncurrent loans to loans | 3.0655% | 2,095 |
| Net loans and leases to total assets | 87.3384% | 83 |
| Net loans and leases to deposits | 99.6489% | 382 |
| Net loans and leases to core deposits | 113.9553% | 432 |
| Total domestic deposits to total assets | 87.6461% | 2,555 |
| Equity capital to assets | 9.5847% | 4,670 |
| Core capital (leverage) ratio | 9.2058% | 4,507 |
| Tier 1 risk-based capital ratio | 11.6462% | 6,194 |
| Total risk-based capital ratio | 12.9016% | 6,169 |
| Memoranda: | ||
| Average total assets | $96,235,500 | 5,035 |
| Average earning assets | $90,080,500 | 4,963 |
| Average equity | $9,215,000 | 5,241 |
| Average total loans | $84,092,500 | 4,006 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1207% | 354 |
| Cost of funding earning assets | 1.0618% | 2,943 |
| Net interest margin | 5.0589% | 361 |
| Noninterest income to average assets | 0.5244% | 3,688 |
| Noninterest expense to average assets | 4.6082% | 523 |
| Loan and lease loss provision to assets | 0.2756% | 3,462 |
| Net operating income to assets | 0.2692% | 5,373 |
| Return on assets (ROA) | 0.2692% | 5,522 |
| Pretax return on assets | 0.3871% | 5,332 |
| Return on Equity (ROE) | 2.7417% | 5,391 |
| Retained earnings to average equity (ytd only) | 2.7417% | 4,286 |
| Net charge-offs to loans | 0.2613% | 4,140 |
| Credit loss provision to net charge-offs | 122.9665% | 2,569 |
| Earnings coverage of net charge-offs (x) | 2.9569% | 3,726 |
| Efficiency ratio | 84.0285% | 1,762 |
| Assets per employee ($millions) | 2.3322% | 6,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 5,531 |
| Loan loss allowance to noncurrent loans | 39.8599% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 2.5372% | 2,394 |
| Noncurrent loans to loans | 2.9375% | 2,216 |
| Net loans and leases to total assets | 85.3607% | 152 |
| Net loans and leases to deposits | 96.2205% | 660 |
| Net loans and leases to core deposits | 115.1343% | 462 |
| Total domestic deposits to total assets | 88.7135% | 1,708 |
| Equity capital to assets | 9.5661% | 4,786 |
| Core capital (leverage) ratio | 8.8718% | 4,989 |
| Tier 1 risk-based capital ratio | 11.5361% | 6,144 |
| Total risk-based capital ratio | 12.7925% | 6,122 |
| Memoranda: | ||
| Average total assets | $93,247,200 | 5,090 |
| Average earning assets | $87,489,600 | 5,008 |
| Average equity | $9,155,000 | 5,236 |
| Average total loans | $79,981,400 | 4,140 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0921% | 395 |
| Cost of funding earning assets | 1.1081% | 2,921 |
| Net interest margin | 4.9840% | 429 |
| Noninterest income to average assets | 0.4590% | 4,227 |
| Noninterest expense to average assets | 4.5847% | 535 |
| Loan and lease loss provision to assets | 0.1971% | 4,051 |
| Net operating income to assets | 0.2489% | 5,573 |
| Return on assets (ROA) | 0.2489% | 5,719 |
| Pretax return on assets | 0.3569% | 5,585 |
| Return on Equity (ROE) | 2.5189% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.5189% | 4,855 |
| Net charge-offs to loans | 0.1210% | 4,824 |
| Credit loss provision to net charge-offs | 190.2778% | 1,527 |
| Earnings coverage of net charge-offs (x) | 5.3471% | 2,815 |
| Efficiency ratio | 85.7183% | 1,567 |
| Assets per employee ($millions) | 2.1953% | 7,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 5,110 |
| Loan loss allowance to noncurrent loans | 39.1252% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 2.9608% | 2,174 |
| Noncurrent loans to loans | 3.2654% | 2,119 |
| Net loans and leases to total assets | 84.4749% | 193 |
| Net loans and leases to deposits | 94.9701% | 764 |
| Net loans and leases to core deposits | 106.7473% | 827 |
| Total domestic deposits to total assets | 88.9489% | 1,455 |
| Equity capital to assets | 10.3590% | 3,879 |
| Core capital (leverage) ratio | 9.6828% | 3,874 |
| Tier 1 risk-based capital ratio | 12.3501% | 5,622 |
| Total risk-based capital ratio | 13.6112% | 5,598 |
| Memoranda: | ||
| Average total assets | $92,654,250 | 5,145 |
| Average earning assets | $86,995,750 | 5,061 |
| Average equity | $9,157,000 | 5,269 |
| Average total loans | $79,329,750 | 4,195 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0439% | 441 |
| Cost of funding earning assets | 1.1304% | 3,032 |
| Net interest margin | 4.9135% | 473 |
| Noninterest income to average assets | 0.4533% | 4,264 |
| Noninterest expense to average assets | 4.5972% | 536 |
| Loan and lease loss provision to assets | 0.2373% | 3,542 |
| Net operating income to assets | 0.1646% | 5,843 |
| Return on assets (ROA) | 0.1646% | 5,940 |
| Pretax return on assets | 0.2288% | 5,860 |
| Return on Equity (ROE) | 1.6921% | 5,890 |
| Retained earnings to average equity (ytd only) | 1.6921% | 5,146 |
| Net charge-offs to loans | 0.1723% | 4,141 |
| Credit loss provision to net charge-offs | 160.8696% | 1,884 |
| Earnings coverage of net charge-offs (x) | 3.1594% | 3,282 |
| Efficiency ratio | 87.2889% | 1,481 |
| Assets per employee ($millions) | 2.1838% | 7,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 5,464 |
| Loan loss allowance to noncurrent loans | 37.2336% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 3.1869% | 2,108 |
| Noncurrent loans to loans | 3.2770% | 2,179 |
| Net loans and leases to total assets | 84.8234% | 184 |
| Net loans and leases to deposits | 95.4765% | 768 |
| Net loans and leases to core deposits | 108.7686% | 768 |
| Total domestic deposits to total assets | 88.8421% | 1,637 |
| Equity capital to assets | 10.0098% | 4,136 |
| Core capital (leverage) ratio | 9.4502% | 4,027 |
| Tier 1 risk-based capital ratio | 11.8400% | 5,906 |
| Total risk-based capital ratio | 13.7827% | 5,293 |
| Memoranda: | ||
| Average total assets | $93,536,000 | 5,150 |
| Average earning assets | $87,758,000 | 5,071 |
| Average equity | $9,101,330 | 5,297 |
| Average total loans | $80,100,000 | 4,212 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2753% | 298 |
| Cost of funding earning assets | 1.1681% | 3,035 |
| Net interest margin | 5.1072% | 301 |
| Noninterest income to average assets | 0.3769% | 4,902 |
| Noninterest expense to average assets | 4.5911% | 541 |
| Loan and lease loss provision to assets | 0.3727% | 2,321 |
| Net operating income to assets | 0.1398% | 5,973 |
| Return on assets (ROA) | 0.1398% | 6,031 |
| Pretax return on assets | 0.1906% | 5,961 |
| Return on Equity (ROE) | 1.4567% | 5,998 |
| Retained earnings to average equity (ytd only) | 1.4567% | 5,232 |
| Net charge-offs to loans | 0.4655% | 2,304 |
| Credit loss provision to net charge-offs | 93.6170% | 2,868 |
| Earnings coverage of net charge-offs (x) | 1.4149% | 3,642 |
| Efficiency ratio | 85.6204% | 1,757 |
| Assets per employee ($millions) | 2.2536% | 7,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 5,877 |
| Loan loss allowance to noncurrent loans | 99.6725% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.3453% | 4,284 |
| Noncurrent loans to loans | 1.1468% | 4,780 |
| Net loans and leases to total assets | 85.4586% | 157 |
| Net loans and leases to deposits | 96.0258% | 689 |
| Net loans and leases to core deposits | 109.3732% | 763 |
| Total domestic deposits to total assets | 88.9954% | 1,776 |
| Equity capital to assets | 9.8260% | 4,002 |
| Core capital (leverage) ratio | 9.1262% | 4,403 |
| Tier 1 risk-based capital ratio | 11.5770% | 6,042 |
| Total risk-based capital ratio | 13.4796% | 5,496 |
| Memoranda: | ||
| Average total assets | $94,444,000 | 5,157 |
| Average earning assets | $88,346,500 | 5,080 |
| Average equity | $9,061,500 | 5,305 |
| Average total loans | $80,769,500 | 4,228 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0126% | 829 |
| Cost of funding earning assets | 1.4863% | 2,725 |
| Net interest margin | 4.5263% | 1,170 |
| Noninterest income to average assets | 2.6789% | 267 |
| Noninterest expense to average assets | 4.5315% | 630 |
| Loan and lease loss provision to assets | 0.9431% | 1,732 |
| Net operating income to assets | 0.9606% | 2,164 |
| Return on assets (ROA) | 0.9620% | 2,280 |
| Pretax return on assets | 1.4425% | 1,532 |
| Return on Equity (ROE) | 10.6331% | 1,715 |
| Retained earnings to average equity (ytd only) | 10.6331% | 422 |
| Net charge-offs to loans | 1.2798% | 1,752 |
| Credit loss provision to net charge-offs | 86.3330% | 5,268 |
| Earnings coverage of net charge-offs (x) | 2.1819% | 4,086 |
| Efficiency ratio | 63.6004% | 5,417 |
| Assets per employee ($millions) | 1.7230% | 7,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 5,846 |
| Loan loss allowance to noncurrent loans | 82.2004% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.5338% | 4,013 |
| Noncurrent loans to loans | 1.3690% | 4,431 |
| Net loans and leases to total assets | 83.6822% | 331 |
| Net loans and leases to deposits | 93.7054% | 1,086 |
| Net loans and leases to core deposits | 103.8641% | 1,325 |
| Total domestic deposits to total assets | 89.3036% | 1,493 |
| Equity capital to assets | 9.3730% | 4,582 |
| Core capital (leverage) ratio | 8.7141% | 4,995 |
| Tier 1 risk-based capital ratio | 11.2232% | 6,164 |
| Total risk-based capital ratio | 13.0917% | 5,615 |
| Memoranda: | ||
| Average total assets | $95,112,600 | 5,124 |
| Average earning assets | $89,013,600 | 5,049 |
| Average equity | $8,605,200 | 5,529 |
| Average total loans | $81,187,200 | 4,306 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7860% | 1,438 |
| Cost of funding earning assets | 1.5288% | 2,779 |
| Net interest margin | 4.2572% | 2,006 |
| Noninterest income to average assets | 4.0505% | 170 |
| Noninterest expense to average assets | 4.1982% | 831 |
| Loan and lease loss provision to assets | 0.9637% | 1,551 |
| Net operating income to assets | 1.8792% | 427 |
| Return on assets (ROA) | 1.8810% | 468 |
| Pretax return on assets | 2.8757% | 142 |
| Return on Equity (ROE) | 20.9831% | 255 |
| Retained earnings to average equity (ytd only) | 20.9831% | 68 |
| Net charge-offs to loans | 1.3042% | 1,563 |
| Credit loss provision to net charge-offs | 86.3808% | 4,910 |
| Earnings coverage of net charge-offs (x) | 3.4388% | 3,452 |
| Efficiency ratio | 50.7617% | 7,092 |
| Assets per employee ($millions) | 1.7541% | 7,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 5,903 |
| Loan loss allowance to noncurrent loans | 61.1289% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.2264% | 3,165 |
| Noncurrent loans to loans | 1.8144% | 3,926 |
| Net loans and leases to total assets | 86.5003% | 167 |
| Net loans and leases to deposits | 97.5837% | 833 |
| Net loans and leases to core deposits | 111.7393% | 945 |
| Total domestic deposits to total assets | 88.6422% | 1,596 |
| Equity capital to assets | 9.7239% | 4,511 |
| Core capital (leverage) ratio | 9.6194% | 3,739 |
| Tier 1 risk-based capital ratio | 11.2061% | 6,182 |
| Total risk-based capital ratio | 13.0347% | 5,634 |
| Memoranda: | ||
| Average total assets | $94,768,250 | 5,199 |
| Average earning assets | $88,694,250 | 5,121 |
| Average equity | $8,495,500 | 5,624 |
| Average total loans | $81,068,000 | 4,378 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7172% | 1,700 |
| Cost of funding earning assets | 1.5570% | 2,922 |
| Net interest margin | 4.1602% | 2,291 |
| Noninterest income to average assets | 0.6132% | 3,235 |
| Noninterest expense to average assets | 4.1532% | 860 |
| Loan and lease loss provision to assets | 0.2371% | 4,538 |
| Net operating income to assets | 0.0867% | 5,902 |
| Return on assets (ROA) | 0.0897% | 6,005 |
| Pretax return on assets | 0.1260% | 5,930 |
| Return on Equity (ROE) | 1.0315% | 5,949 |
| Retained earnings to average equity (ytd only) | 1.0315% | 5,355 |
| Net charge-offs to loans | 0.3348% | 3,657 |
| Credit loss provision to net charge-offs | 83.4586% | 4,611 |
| Earnings coverage of net charge-offs (x) | 1.2632% | 4,560 |
| Efficiency ratio | 89.5360% | 1,372 |
| Assets per employee ($millions) | 1.8655% | 7,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 4,824 |
| Loan loss allowance to noncurrent loans | 53.6396% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 2.6961% | 2,684 |
| Noncurrent loans to loans | 2.4529% | 3,193 |
| Net loans and leases to total assets | 81.9105% | 541 |
| Net loans and leases to deposits | 94.9496% | 1,156 |
| Net loans and leases to core deposits | 120.9968% | 666 |
| Total domestic deposits to total assets | 86.2673% | 2,940 |
| Equity capital to assets | 8.6306% | 5,972 |
| Core capital (leverage) ratio | 8.4595% | 5,480 |
| Tier 1 risk-based capital ratio | 10.3450% | 6,802 |
| Total risk-based capital ratio | 12.2718% | 6,203 |
| Memoranda: | ||
| Average total assets | $93,613,670 | 5,264 |
| Average earning assets | $87,735,330 | 5,188 |
| Average equity | $8,143,330 | 5,749 |
| Average total loans | $79,449,330 | 4,460 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6963% | 1,795 |
| Cost of funding earning assets | 1.6216% | 2,824 |
| Net interest margin | 4.0747% | 2,547 |
| Noninterest income to average assets | 0.6117% | 3,195 |
| Noninterest expense to average assets | 4.2433% | 772 |
| Loan and lease loss provision to assets | 0.2025% | 4,477 |
| Net operating income to assets | -0.0012% | 6,291 |
| Return on assets (ROA) | 0.0043% | 6,384 |
| Pretax return on assets | -0.0043% | 6,363 |
| Return on Equity (ROE) | 0.0493% | 6,389 |
| Retained earnings to average equity (ytd only) | 0.0493% | 5,802 |
| Net charge-offs to loans | 0.4919% | 2,589 |
| Credit loss provision to net charge-offs | 47.9592% | 4,518 |
| Earnings coverage of net charge-offs (x) | 0.4490% | 4,623 |
| Efficiency ratio | 93.1001% | 1,193 |
| Assets per employee ($millions) | 2.0099% | 7,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 4,951 |
| Loan loss allowance to noncurrent loans | 58.9609% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.5321% | 2,867 |
| Noncurrent loans to loans | 2.2006% | 3,527 |
| Net loans and leases to total assets | 83.1051% | 465 |
| Net loans and leases to deposits | 92.0531% | 1,606 |
| Net loans and leases to core deposits | 105.4442% | 1,622 |
| Total domestic deposits to total assets | 90.2795% | 842 |
| Equity capital to assets | 8.7817% | 5,586 |
| Core capital (leverage) ratio | 8.4034% | 5,552 |
| Tier 1 risk-based capital ratio | 10.5517% | 6,584 |
| Total risk-based capital ratio | 12.4961% | 5,867 |
| Memoranda: | ||
| Average total assets | $92,851,500 | 5,357 |
| Average earning assets | $87,074,500 | 5,273 |
| Average equity | $8,109,500 | 5,806 |
| Average total loans | $79,690,500 | 4,521 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0020% | 1,858 |
| Cost of funding earning assets | 1.9305% | 3,299 |
| Net interest margin | 4.0714% | 2,563 |
| Noninterest income to average assets | 0.4115% | 5,113 |
| Noninterest expense to average assets | 4.3603% | 919 |
| Loan and lease loss provision to assets | 1.1282% | 2,021 |
| Net operating income to assets | -0.8080% | 6,442 |
| Return on assets (ROA) | -0.7800% | 6,422 |
| Pretax return on assets | -1.2051% | 6,542 |
| Return on Equity (ROE) | -8.4466% | 6,504 |
| Retained earnings to average equity (ytd only) | -8.4466% | 6,388 |
| Net charge-offs to loans | 1.0129% | 2,389 |
| Credit loss provision to net charge-offs | 128.7742% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.1368% | 6,371 |
| Efficiency ratio | 99.9733% | 1,105 |
| Assets per employee ($millions) | 1.9840% | 7,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 4,758 |
| Loan loss allowance to noncurrent loans | 54.8037% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 2.5566% | 2,736 |
| Noncurrent loans to loans | 2.3744% | 3,195 |
| Net loans and leases to total assets | 86.3023% | 260 |
| Net loans and leases to deposits | 100.5560% | 856 |
| Net loans and leases to core deposits | 156.7602% | 382 |
| Total domestic deposits to total assets | 85.8250% | 3,098 |
| Equity capital to assets | 8.6864% | 5,608 |
| Core capital (leverage) ratio | 7.7683% | 6,487 |
| Tier 1 risk-based capital ratio | 10.4221% | 6,477 |
| Total risk-based capital ratio | 12.3631% | 5,765 |
| Memoranda: | ||
| Average total assets | $88,457,600 | 5,434 |
| Average earning assets | $83,189,400 | 5,357 |
| Average equity | $8,169,000 | 5,871 |
| Average total loans | $76,510,200 | 4,637 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8957% | 2,471 |
| Cost of funding earning assets | 2.0010% | 3,352 |
| Net interest margin | 3.8948% | 3,252 |
| Noninterest income to average assets | 0.4370% | 4,982 |
| Noninterest expense to average assets | 4.2676% | 951 |
| Loan and lease loss provision to assets | 0.6081% | 2,957 |
| Net operating income to assets | -0.4910% | 6,413 |
| Return on assets (ROA) | -0.4538% | 6,384 |
| Pretax return on assets | -0.7166% | 6,496 |
| Return on Equity (ROE) | -4.8373% | 6,432 |
| Retained earnings to average equity (ytd only) | -4.8373% | 6,235 |
| Net charge-offs to loans | 0.6414% | 2,756 |
| Credit loss provision to net charge-offs | 109.9448% | 4,624 |
| Earnings coverage of net charge-offs (x) | -0.3011% | 6,357 |
| Efficiency ratio | 101.0805% | 1,015 |
| Assets per employee ($millions) | 2.0797% | 7,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 6,404 |
| Loan loss allowance to noncurrent loans | 126.1183% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 1.2021% | 4,668 |
| Noncurrent loans to loans | 0.7757% | 5,746 |
| Net loans and leases to total assets | 88.6151% | 171 |
| Net loans and leases to deposits | 118.5378% | 229 |
| Net loans and leases to core deposits | 183.3406% | 166 |
| Total domestic deposits to total assets | 74.7568% | 6,817 |
| Equity capital to assets | 8.0801% | 6,768 |
| Core capital (leverage) ratio | 8.0737% | 6,230 |
| Tier 1 risk-based capital ratio | 9.8226% | 7,114 |
| Total risk-based capital ratio | 11.6098% | 6,554 |
| Memoranda: | ||
| Average total assets | $87,259,750 | 5,508 |
| Average earning assets | $82,091,250 | 5,417 |
| Average equity | $8,186,250 | 5,919 |
| Average total loans | $75,253,500 | 4,725 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0515% | 1,977 |
| Cost of funding earning assets | 2.1942% | 2,822 |
| Net interest margin | 3.8572% | 3,307 |
| Noninterest income to average assets | 0.3876% | 5,398 |
| Noninterest expense to average assets | 4.4275% | 837 |
| Loan and lease loss provision to assets | 0.4430% | 3,330 |
| Net operating income to assets | -0.5513% | 6,598 |
| Return on assets (ROA) | -0.5513% | 6,603 |
| Pretax return on assets | -0.8643% | 6,723 |
| Return on Equity (ROE) | -5.5675% | 6,669 |
| Retained earnings to average equity (ytd only) | -5.5675% | 6,389 |
| Net charge-offs to loans | 0.4847% | 2,888 |
| Credit loss provision to net charge-offs | 107.6023% | 4,289 |
| Earnings coverage of net charge-offs (x) | -1.0234% | 6,231 |
| Efficiency ratio | 107.3317% | 931 |
| Assets per employee ($millions) | 2.0652% | 7,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 5,346 |
| Loan loss allowance to noncurrent loans | 55.6937% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 2.0011% | 3,197 |
| Noncurrent loans to loans | 2.0422% | 3,458 |
| Net loans and leases to total assets | 83.2979% | 744 |
| Net loans and leases to deposits | 101.8842% | 1,080 |
| Net loans and leases to core deposits | 149.2374% | 677 |
| Total domestic deposits to total assets | 81.7574% | 4,792 |
| Equity capital to assets | 9.1562% | 5,085 |
| Core capital (leverage) ratio | 8.5257% | 5,393 |
| Tier 1 risk-based capital ratio | 10.9612% | 5,916 |
| Total risk-based capital ratio | 12.1888% | 5,885 |
| Memoranda: | ||
| Average total assets | $83,071,330 | 5,696 |
| Average earning assets | $77,931,670 | 5,598 |
| Average equity | $8,226,330 | 5,942 |
| Average total loans | $70,560,000 | 4,934 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9847% | 2,419 |
| Cost of funding earning assets | 2.2949% | 2,722 |
| Net interest margin | 3.6899% | 3,934 |
| Noninterest income to average assets | 0.3990% | 5,214 |
| Noninterest expense to average assets | 4.6680% | 607 |
| Loan and lease loss provision to assets | 0.0848% | 5,868 |
| Net operating income to assets | -0.5735% | 6,945 |
| Return on assets (ROA) | -0.5735% | 6,989 |
| Pretax return on assets | -0.8977% | 7,096 |
| Return on Equity (ROE) | -5.5596% | 7,027 |
| Retained earnings to average equity (ytd only) | -5.5596% | 6,629 |
| Net charge-offs to loans | 0.0058% | 5,606 |
| Credit loss provision to net charge-offs | 1,700.0000% | 371 |
| Earnings coverage of net charge-offs (x) | -163.0000% | 5,719 |
| Efficiency ratio | 117.5938% | 665 |
| Assets per employee ($millions) | 1.8607% | 7,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 4,652 |
| Loan loss allowance to noncurrent loans | 52.8501% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 2.2377% | 2,558 |
| Noncurrent loans to loans | 2.3115% | 2,842 |
| Net loans and leases to total assets | 84.2468% | 655 |
| Net loans and leases to deposits | 94.2665% | 2,225 |
| Net loans and leases to core deposits | 138.5036% | 1,172 |
| Total domestic deposits to total assets | 89.3708% | 1,068 |
| Equity capital to assets | 10.0759% | 3,909 |
| Core capital (leverage) ratio | 9.1941% | 4,412 |
| Tier 1 risk-based capital ratio | 11.7992% | 5,127 |
| Total risk-based capital ratio | 13.0609% | 5,028 |
| Memoranda: | ||
| Average total assets | $80,205,500 | 5,816 |
| Average earning assets | $75,124,500 | 5,728 |
| Average equity | $8,274,000 | 5,966 |
| Average total loans | $68,429,000 | 5,036 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9839% | 1,177 |
| Cost of funding earning assets | 2.6743% | 3,296 |
| Net interest margin | 4.3096% | 1,944 |
| Noninterest income to average assets | 0.7200% | 2,988 |
| Noninterest expense to average assets | 4.7513% | 737 |
| Loan and lease loss provision to assets | 0.5152% | 2,746 |
| Net operating income to assets | -0.3180% | 6,753 |
| Return on assets (ROA) | -0.3180% | 6,620 |
| Pretax return on assets | -0.5101% | 6,662 |
| Return on Equity (ROE) | -2.9726% | 6,618 |
| Retained earnings to average equity (ytd only) | -2.9726% | 6,100 |
| Net charge-offs to loans | 0.3322% | 3,181 |
| Credit loss provision to net charge-offs | 194.7115% | 2,515 |
| Earnings coverage of net charge-offs (x) | 0.0192% | 6,232 |
| Efficiency ratio | 97.0313% | 1,095 |
| Assets per employee ($millions) | 1.8700% | 8,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 4,162 |
| Loan loss allowance to noncurrent loans | 158.2231% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 1.4515% | 3,314 |
| Noncurrent loans to loans | 0.7892% | 5,065 |
| Net loans and leases to total assets | 84.2810% | 845 |
| Net loans and leases to deposits | 94.8584% | 2,640 |
| Net loans and leases to core deposits | 130.4123% | 1,823 |
| Total domestic deposits to total assets | 88.8493% | 1,101 |
| Equity capital to assets | 10.5663% | 3,428 |
| Core capital (leverage) ratio | 10.0063% | 3,440 |
| Tier 1 risk-based capital ratio | 12.0828% | 4,753 |
| Total risk-based capital ratio | 13.3463% | 4,627 |
| Memoranda: | ||
| Average total assets | $78,610,200 | 5,744 |
| Average earning assets | $73,626,000 | 5,680 |
| Average equity | $8,410,200 | 5,938 |
| Average total loans | $62,620,200 | 5,151 |