Home > Community Valley Bank > Performance and Condition Ratios
Community Valley 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 | 5.8730% | 747 |
| Cost of funding earning assets | 1.4755% | 2,005 |
| Net interest margin | 4.3975% | 709 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.4188% | 2,530 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.3757% | 1,261 |
| Return on assets (ROA) | 1.3757% | 1,235 |
| Pretax return on assets | 1.9002% | 773 |
| Return on Equity (ROE) | 11.7000% | 2,039 |
| Retained earnings to average equity (ytd only) | 3.1893% | 3,217 |
| Net charge-offs to loans | 0.0102% | 2,267 |
| Credit loss provision to net charge-offs | 591.3043% | 598 |
| Earnings coverage of net charge-offs (x) | 246.4348% | 503 |
| Efficiency ratio | 53.9496% | 3,680 |
| Assets per employee ($millions) | 7.6164% | 1,649 |
| Cash dividends to net income (ytd only)* | 72.7341% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 2,878 |
| Loan loss allowance to noncurrent loans | 610.6024% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 2,590 |
| Noncurrent loans to loans | 0.1789% | 2,624 |
| Net loans and leases to total assets | 77.2300% | 948 |
| Net loans and leases to deposits | 88.3612% | 1,395 |
| Net loans and leases to core deposits | 99.4304% | 1,463 |
| Total domestic deposits to total assets | 87.4000% | 1,557 |
| Equity capital to assets | 11.6893% | 1,229 |
| Core capital (leverage) ratio | 11.7990% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $291,134,400 | 2,462 |
| Average earning assets | $272,448,400 | 2,450 |
| Average equity | $34,239,600 | 2,085 |
| Average total loans | $225,388,400 | 2,131 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7006% | 790 |
| Cost of funding earning assets | 1.4137% | 1,830 |
| Net interest margin | 4.2868% | 815 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.4129% | 2,484 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.3229% | 1,490 |
| Return on assets (ROA) | 1.3229% | 1,471 |
| Pretax return on assets | 1.8297% | 964 |
| Return on Equity (ROE) | 11.2300% | 2,317 |
| Retained earnings to average equity (ytd only) | 4.1774% | 3,209 |
| Net charge-offs to loans | 0.0119% | 1,959 |
| Credit loss provision to net charge-offs | 230.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 201.0500% | 598 |
| Efficiency ratio | 55.0901% | 3,480 |
| Assets per employee ($millions) | 7.5763% | 1,581 |
| Cash dividends to net income (ytd only)* | 62.8045% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 2,885 |
| Loan loss allowance to noncurrent loans | 146.4393% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 1,040 |
| Noncurrent loans to loans | 0.7484% | 1,109 |
| Net loans and leases to total assets | 74.7300% | 1,267 |
| Net loans and leases to deposits | 85.5881% | 1,612 |
| Net loans and leases to core deposits | 97.5564% | 1,472 |
| Total domestic deposits to total assets | 87.3200% | 1,793 |
| Equity capital to assets | 11.7296% | 1,115 |
| Core capital (leverage) ratio | 11.6795% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $289,657,750 | 2,479 |
| Average earning assets | $271,335,250 | 2,462 |
| Average equity | $34,119,000 | 2,077 |
| Average total loans | $223,754,500 | 2,137 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5933% | 740 |
| Cost of funding earning assets | 1.3453% | 1,597 |
| Net interest margin | 4.2479% | 863 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.4315% | 2,405 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.3089% | 1,546 |
| Return on assets (ROA) | 1.3089% | 1,533 |
| Pretax return on assets | 1.8101% | 994 |
| Return on Equity (ROE) | 11.1000% | 2,392 |
| Retained earnings to average equity (ytd only) | 5.9400% | 2,643 |
| Net charge-offs to loans | 0.0134% | 1,689 |
| Credit loss provision to net charge-offs | 106.6667% | 1,396 |
| Earnings coverage of net charge-offs (x) | 174.6667% | 678 |
| Efficiency ratio | 55.6554% | 3,461 |
| Assets per employee ($millions) | 7.4989% | 1,610 |
| Cash dividends to net income (ytd only)* | 46.4684% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 2,998 |
| Loan loss allowance to noncurrent loans | 141.6374% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 925 |
| Noncurrent loans to loans | 0.7692% | 986 |
| Net loans and leases to total assets | 75.1800% | 1,140 |
| Net loans and leases to deposits | 86.1641% | 1,492 |
| Net loans and leases to core deposits | 96.0763% | 1,464 |
| Total domestic deposits to total assets | 87.2600% | 1,842 |
| Equity capital to assets | 11.8164% | 1,100 |
| Core capital (leverage) ratio | 11.5699% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $287,718,667 | 2,492 |
| Average earning assets | $269,824,333 | 2,475 |
| Average equity | $33,939,333 | 2,096 |
| Average total loans | $223,917,333 | 2,133 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4462% | 668 |
| Cost of funding earning assets | 1.1436% | 1,618 |
| Net interest margin | 4.3026% | 803 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.4153% | 2,487 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.3555% | 1,527 |
| Return on assets (ROA) | 1.3555% | 1,496 |
| Pretax return on assets | 1.8770% | 942 |
| Return on Equity (ROE) | 11.5000% | 2,354 |
| Retained earnings to average equity (ytd only) | 3.2947% | 3,437 |
| Net charge-offs to loans | 0.0267% | 1,161 |
| Credit loss provision to net charge-offs | 106.6667% | 1,079 |
| Earnings coverage of net charge-offs (x) | 90.3333% | 838 |
| Efficiency ratio | 54.4834% | 3,554 |
| Assets per employee ($millions) | 6.8158% | 2,109 |
| Cash dividends to net income (ytd only)* | 71.3547% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,172 |
| Loan loss allowance to noncurrent loans | 135.8586% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6080% | 833 |
| Noncurrent loans to loans | 0.7921% | 972 |
| Net loans and leases to total assets | 75.9300% | 978 |
| Net loans and leases to deposits | 86.7444% | 1,300 |
| Net loans and leases to core deposits | 97.6798% | 1,194 |
| Total domestic deposits to total assets | 87.5400% | 2,075 |
| Equity capital to assets | 11.5290% | 1,144 |
| Core capital (leverage) ratio | 11.7767% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $285,348,500 | 2,534 |
| Average earning assets | $267,931,500 | 2,516 |
| Average equity | $33,630,000 | 2,139 |
| Average total loans | $224,723,500 | 2,139 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5707% | 637 |
| Cost of funding earning assets | 0.4309% | 1,858 |
| Net interest margin | 4.1397% | 616 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.2057% | 3,012 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.4672% | 967 |
| Return on assets (ROA) | 1.4672% | 925 |
| Pretax return on assets | 2.0600% | 413 |
| Return on Equity (ROE) | 13.0000% | 1,815 |
| Retained earnings to average equity (ytd only) | 9.8732% | 1,202 |
| Net charge-offs to loans | -0.0005% | 3,299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.9628% | 4,129 |
| Assets per employee ($millions) | 6.4563% | 2,374 |
| Cash dividends to net income (ytd only)* | 24.0280% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 2,997 |
| Loan loss allowance to noncurrent loans | 134.7996% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.6469% | 770 |
| Noncurrent loans to loans | 0.8001% | 930 |
| Net loans and leases to total assets | 79.9900% | 591 |
| Net loans and leases to deposits | 92.8101% | 861 |
| Net loans and leases to core deposits | 100.3865% | 982 |
| Total domestic deposits to total assets | 86.1900% | 2,677 |
| Equity capital to assets | 12.0565% | 912 |
| Core capital (leverage) ratio | 12.0661% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $282,229,000 | 2,544 |
| Average earning assets | $264,315,600 | 2,527 |
| Average equity | $31,864,000 | 2,251 |
| Average total loans | $211,010,600 | 2,159 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 633 |
| Cost of funding earning assets | 0.3020% | 2,144 |
| Net interest margin | 4.0609% | 560 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.1967% | 2,945 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4661% | 920 |
| Return on assets (ROA) | 1.4661% | 902 |
| Pretax return on assets | 2.0580% | 411 |
| Return on Equity (ROE) | 13.2000% | 1,644 |
| Retained earnings to average equity (ytd only) | 10.0859% | 1,319 |
| Net charge-offs to loans | 0.0077% | 1,850 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 364.5000% | 418 |
| Efficiency ratio | 50.0940% | 4,157 |
| Assets per employee ($millions) | 6.2879% | 2,501 |
| Cash dividends to net income (ytd only)* | 23.6200% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 2,936 |
| Loan loss allowance to noncurrent loans | 127.6665% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 788 |
| Noncurrent loans to loans | 0.8751% | 900 |
| Net loans and leases to total assets | 75.4300% | 971 |
| Net loans and leases to deposits | 87.3444% | 1,075 |
| Net loans and leases to core deposits | 92.0682% | 1,175 |
| Total domestic deposits to total assets | 86.3600% | 2,966 |
| Equity capital to assets | 11.8095% | 919 |
| Core capital (leverage) ratio | 11.2351% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $283,381,500 | 2,556 |
| Average earning assets | $265,323,000 | 2,538 |
| Average equity | $31,462,250 | 2,298 |
| Average total loans | $207,642,000 | 2,188 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 694 |
| Cost of funding earning assets | 0.2580% | 2,164 |
| Net interest margin | 3.8986% | 605 |
| Noninterest income to average assets | 0.5371% | 2,008 |
| Noninterest expense to average assets | 2.1469% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4537% | 790 |
| Return on assets (ROA) | 1.4537% | 768 |
| Pretax return on assets | 2.0412% | 347 |
| Return on Equity (ROE) | 13.3682% | 1,276 |
| Retained earnings to average equity (ytd only) | 10.3224% | 947 |
| Net charge-offs to loans | 0.0107% | 1,587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 265.0000% | 444 |
| Efficiency ratio | 49.7074% | 4,264 |
| Assets per employee ($millions) | 7.0247% | 1,924 |
| Cash dividends to net income (ytd only)* | 22.7842% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 2,973 |
| Loan loss allowance to noncurrent loans | 126.1497% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6338% | 872 |
| Noncurrent loans to loans | 0.9051% | 928 |
| Net loans and leases to total assets | 69.2279% | 1,375 |
| Net loans and leases to deposits | 79.1199% | 1,458 |
| Net loans and leases to core deposits | 83.0229% | 1,520 |
| Total domestic deposits to total assets | 87.4975% | 2,764 |
| Equity capital to assets | 10.8010% | 1,307 |
| Core capital (leverage) ratio | 10.9689% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,620,000 | 2,559 |
| Average earning assets | $267,483,667 | 2,555 |
| Average equity | $31,058,667 | 2,366 |
| Average total loans | $206,506,000 | 2,190 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 431 |
| Cost of funding earning assets | 0.2620% | 2,023 |
| Net interest margin | 4.0438% | 385 |
| Noninterest income to average assets | 0.5724% | 1,811 |
| Noninterest expense to average assets | 2.2185% | 2,788 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5193% | 602 |
| Return on assets (ROA) | 1.5193% | 594 |
| Pretax return on assets | 2.1345% | 282 |
| Return on Equity (ROE) | 13.9229% | 848 |
| Retained earnings to average equity (ytd only) | 11.2740% | 727 |
| Net charge-offs to loans | 0.0213% | 1,114 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 136.2727% | 568 |
| Efficiency ratio | 49.4603% | 4,341 |
| Assets per employee ($millions) | 7.1180% | 1,911 |
| Cash dividends to net income (ytd only)* | 19.0253% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 3,008 |
| Loan loss allowance to noncurrent loans | 165.8931% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 1,203 |
| Noncurrent loans to loans | 0.7047% | 1,346 |
| Net loans and leases to total assets | 70.0438% | 1,022 |
| Net loans and leases to deposits | 80.2417% | 1,131 |
| Net loans and leases to core deposits | 84.5288% | 1,219 |
| Total domestic deposits to total assets | 87.2910% | 2,821 |
| Equity capital to assets | 10.9231% | 1,370 |
| Core capital (leverage) ratio | 10.7690% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,911,500 | 2,595 |
| Average earning assets | $262,627,500 | 2,597 |
| Average equity | $30,654,500 | 2,450 |
| Average total loans | $206,455,500 | 2,186 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3846% | 152 |
| Cost of funding earning assets | 0.2925% | 2,475 |
| Net interest margin | 5.0922% | 125 |
| Noninterest income to average assets | 0.1559% | 4,373 |
| Noninterest expense to average assets | 2.1369% | 3,283 |
| Loan and lease loss provision to assets | 0.0737% | 1,630 |
| Net operating income to assets | 1.9161% | 397 |
| Return on assets (ROA) | 1.9161% | 419 |
| Pretax return on assets | 2.7004% | 202 |
| Return on Equity (ROE) | 18.5965% | 410 |
| Retained earnings to average equity (ytd only) | 14.9087% | 232 |
| Net charge-offs to loans | 0.0085% | 2,262 |
| Credit loss provision to net charge-offs | 1,111.1111% | 490 |
| Earnings coverage of net charge-offs (x) | 418.1667% | 314 |
| Efficiency ratio | 42.1238% | 4,639 |
| Assets per employee ($millions) | 6.5977% | 2,242 |
| Cash dividends to net income (ytd only)* | 19.8307% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 3,263 |
| Loan loss allowance to noncurrent loans | 132.4022% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 1,011 |
| Noncurrent loans to loans | 0.8478% | 1,197 |
| Net loans and leases to total assets | 75.3342% | 559 |
| Net loans and leases to deposits | 87.0505% | 711 |
| Net loans and leases to core deposits | 92.0753% | 872 |
| Total domestic deposits to total assets | 86.5408% | 2,693 |
| Equity capital to assets | 10.9017% | 1,851 |
| Core capital (leverage) ratio | 10.7263% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,333,400 | 2,589 |
| Average earning assets | $253,369,000 | 2,594 |
| Average equity | $27,956,800 | 2,654 |
| Average total loans | $212,085,000 | 2,160 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6570% | 125 |
| Cost of funding earning assets | 0.3001% | 2,594 |
| Net interest margin | 5.3569% | 101 |
| Noninterest income to average assets | 0.0341% | 4,827 |
| Noninterest expense to average assets | 2.1129% | 3,324 |
| Loan and lease loss provision to assets | 0.0371% | 2,253 |
| Net operating income to assets | 2.0462% | 428 |
| Return on assets (ROA) | 2.0462% | 455 |
| Pretax return on assets | 2.8846% | 202 |
| Return on Equity (ROE) | 20.1598% | 419 |
| Retained earnings to average equity (ytd only) | 16.0373% | 301 |
| Net charge-offs to loans | 0.0188% | 1,680 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 197.1333% | 557 |
| Efficiency ratio | 40.6045% | 4,706 |
| Assets per employee ($millions) | 6.6005% | 2,177 |
| Cash dividends to net income (ytd only)* | 20.4491% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 3,516 |
| Loan loss allowance to noncurrent loans | 6,035.1351% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,129 |
| Noncurrent loans to loans | 0.0179% | 4,066 |
| Net loans and leases to total assets | 75.3469% | 592 |
| Net loans and leases to deposits | 87.1991% | 754 |
| Net loans and leases to core deposits | 92.2822% | 916 |
| Total domestic deposits to total assets | 86.4078% | 2,597 |
| Equity capital to assets | 10.8281% | 2,144 |
| Core capital (leverage) ratio | 10.4714% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,890,750 | 2,624 |
| Average earning assets | $251,929,250 | 2,630 |
| Average equity | $27,393,750 | 2,712 |
| Average total loans | $212,325,250 | 2,187 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2384% | 244 |
| Cost of funding earning assets | 0.3185% | 2,602 |
| Net interest margin | 4.9200% | 186 |
| Noninterest income to average assets | -0.2114% | 4,944 |
| Noninterest expense to average assets | 2.1539% | 3,230 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5858% | 1,078 |
| Return on assets (ROA) | 1.5858% | 1,136 |
| Pretax return on assets | 2.2296% | 549 |
| Return on Equity (ROE) | 15.9807% | 960 |
| Retained earnings to average equity (ytd only) | 12.3929% | 836 |
| Net charge-offs to loans | 0.0271% | 1,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 103.6552% | 734 |
| Efficiency ratio | 47.5635% | 4,420 |
| Assets per employee ($millions) | 7.0783% | 1,748 |
| Cash dividends to net income (ytd only)* | 22.4509% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 3,783 |
| Loan loss allowance to noncurrent loans | 435.2823% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 1,921 |
| Noncurrent loans to loans | 0.2322% | 3,120 |
| Net loans and leases to total assets | 76.5863% | 541 |
| Net loans and leases to deposits | 87.8803% | 782 |
| Net loans and leases to core deposits | 92.4761% | 976 |
| Total domestic deposits to total assets | 87.1484% | 2,239 |
| Equity capital to assets | 10.0097% | 2,839 |
| Core capital (leverage) ratio | 10.0365% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,648,000 | 2,616 |
| Average earning assets | $251,830,333 | 2,620 |
| Average equity | $26,757,333 | 2,763 |
| Average total loans | $214,388,333 | 2,185 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 271 |
| Cost of funding earning assets | 0.3389% | 2,634 |
| Net interest margin | 4.8667% | 223 |
| Noninterest income to average assets | -0.2807% | 4,967 |
| Noninterest expense to average assets | 2.0357% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5703% | 1,179 |
| Return on assets (ROA) | 1.5703% | 1,235 |
| Pretax return on assets | 2.2323% | 651 |
| Return on Equity (ROE) | 15.8967% | 1,037 |
| Retained earnings to average equity (ytd only) | 12.0973% | 1,117 |
| Net charge-offs to loans | 0.0540% | 969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 51.2759% | 885 |
| Efficiency ratio | 46.0781% | 4,467 |
| Assets per employee ($millions) | 6.6654% | 2,034 |
| Cash dividends to net income (ytd only)* | 23.9006% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 3,933 |
| Loan loss allowance to noncurrent loans | 415.9923% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 2,084 |
| Noncurrent loans to loans | 0.2350% | 3,265 |
| Net loans and leases to total assets | 80.0126% | 333 |
| Net loans and leases to deposits | 94.5103% | 468 |
| Net loans and leases to core deposits | 98.8258% | 764 |
| Total domestic deposits to total assets | 84.6602% | 3,235 |
| Equity capital to assets | 9.7829% | 2,913 |
| Core capital (leverage) ratio | 10.1895% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,446,000 | 2,623 |
| Average earning assets | $249,037,500 | 2,621 |
| Average equity | $26,320,000 | 2,783 |
| Average total loans | $214,794,000 | 2,181 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2774% | 280 |
| Cost of funding earning assets | 0.5399% | 2,677 |
| Net interest margin | 4.7374% | 197 |
| Noninterest income to average assets | 0.1113% | 4,706 |
| Noninterest expense to average assets | 2.4155% | 3,097 |
| Loan and lease loss provision to assets | 0.0518% | 3,730 |
| Net operating income to assets | 1.4493% | 919 |
| Return on assets (ROA) | 1.4493% | 997 |
| Pretax return on assets | 2.0441% | 415 |
| Return on Equity (ROE) | 13.8903% | 842 |
| Retained earnings to average equity (ytd only) | 10.8145% | 457 |
| Net charge-offs to loans | -0.0818% | 4,769 |
| Credit loss provision to net charge-offs | -77.5641% | 3,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7879% | 4,399 |
| Assets per employee ($millions) | 6.4903% | 1,930 |
| Cash dividends to net income (ytd only)* | 22.1435% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 3,695 |
| Loan loss allowance to noncurrent loans | 412.8302% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 2,168 |
| Noncurrent loans to loans | 0.2539% | 3,281 |
| Net loans and leases to total assets | 79.5736% | 455 |
| Net loans and leases to deposits | 99.7200% | 385 |
| Net loans and leases to core deposits | 105.1041% | 685 |
| Total domestic deposits to total assets | 79.7970% | 4,078 |
| Equity capital to assets | 9.9784% | 3,151 |
| Core capital (leverage) ratio | 10.3394% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,701,200 | 2,694 |
| Average earning assets | $217,058,200 | 2,693 |
| Average equity | $24,384,000 | 2,852 |
| Average total loans | $190,736,400 | 2,319 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1762% | 434 |
| Cost of funding earning assets | 0.5941% | 2,653 |
| Net interest margin | 4.5821% | 316 |
| Noninterest income to average assets | 0.0810% | 4,820 |
| Noninterest expense to average assets | 2.4081% | 3,111 |
| Loan and lease loss provision to assets | 0.0709% | 3,437 |
| Net operating income to assets | 1.3144% | 1,322 |
| Return on assets (ROA) | 1.3144% | 1,409 |
| Pretax return on assets | 1.8513% | 711 |
| Return on Equity (ROE) | 12.4422% | 1,264 |
| Retained earnings to average equity (ytd only) | 9.3872% | 882 |
| Net charge-offs to loans | 0.0036% | 3,039 |
| Credit loss provision to net charge-offs | 2,420.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 655.2000% | 187 |
| Efficiency ratio | 53.7263% | 4,179 |
| Assets per employee ($millions) | 6.4561% | 1,870 |
| Cash dividends to net income (ytd only)* | 24.5536% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 3,783 |
| Loan loss allowance to noncurrent loans | 147.8483% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 1,420 |
| Noncurrent loans to loans | 0.6631% | 2,131 |
| Net loans and leases to total assets | 81.3157% | 497 |
| Net loans and leases to deposits | 99.6127% | 552 |
| Net loans and leases to core deposits | 105.7382% | 854 |
| Total domestic deposits to total assets | 81.6318% | 3,508 |
| Equity capital to assets | 9.9023% | 3,326 |
| Core capital (leverage) ratio | 9.7591% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,224,000 | 2,721 |
| Average earning assets | $210,728,000 | 2,722 |
| Average equity | $24,003,750 | 2,868 |
| Average total loans | $186,228,250 | 2,365 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3228% | 463 |
| Cost of funding earning assets | 0.6716% | 2,547 |
| Net interest margin | 4.6511% | 375 |
| Noninterest income to average assets | 0.0950% | 4,798 |
| Noninterest expense to average assets | 2.4407% | 3,140 |
| Loan and lease loss provision to assets | 0.1105% | 2,910 |
| Net operating income to assets | 1.3139% | 1,326 |
| Return on assets (ROA) | 1.3139% | 1,434 |
| Pretax return on assets | 1.8499% | 739 |
| Return on Equity (ROE) | 12.1465% | 1,298 |
| Retained earnings to average equity (ytd only) | 9.1922% | 957 |
| Net charge-offs to loans | 0.0022% | 2,931 |
| Credit loss provision to net charge-offs | 6,050.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 1,073.5000% | 84 |
| Efficiency ratio | 53.5270% | 4,228 |
| Assets per employee ($millions) | 6.4861% | 1,794 |
| Cash dividends to net income (ytd only)* | 24.3224% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 3,586 |
| Loan loss allowance to noncurrent loans | 93.8511% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8776% | 1,404 |
| Noncurrent loans to loans | 1.0638% | 1,461 |
| Net loans and leases to total assets | 81.6739% | 439 |
| Net loans and leases to deposits | 97.6535% | 679 |
| Net loans and leases to core deposits | 104.5453% | 968 |
| Total domestic deposits to total assets | 83.6363% | 2,872 |
| Equity capital to assets | 9.8636% | 3,318 |
| Core capital (leverage) ratio | 10.0566% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,035,667 | 2,761 |
| Average earning assets | $202,789,667 | 2,757 |
| Average equity | $23,694,000 | 2,876 |
| Average total loans | $179,380,667 | 2,409 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6318% | 280 |
| Cost of funding earning assets | 0.8408% | 2,165 |
| Net interest margin | 4.7911% | 279 |
| Noninterest income to average assets | 0.1909% | 4,412 |
| Noninterest expense to average assets | 3.0431% | 1,776 |
| Loan and lease loss provision to assets | 0.0312% | 3,381 |
| Net operating income to assets | 1.0774% | 1,914 |
| Return on assets (ROA) | 1.0774% | 2,018 |
| Pretax return on assets | 1.5352% | 1,220 |
| Return on Equity (ROE) | 9.4589% | 1,931 |
| Retained earnings to average equity (ytd only) | 6.8932% | 1,578 |
| Net charge-offs to loans | -0.0335% | 4,509 |
| Credit loss provision to net charge-offs | -114.2857% | 3,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0744% | 3,224 |
| Assets per employee ($millions) | 5.4947% | 2,125 |
| Cash dividends to net income (ytd only)* | 27.1248% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 3,083 |
| Loan loss allowance to noncurrent loans | 154.2925% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 2,195 |
| Noncurrent loans to loans | 0.7269% | 2,179 |
| Net loans and leases to total assets | 81.9588% | 437 |
| Net loans and leases to deposits | 99.8576% | 567 |
| Net loans and leases to core deposits | 109.4427% | 876 |
| Total domestic deposits to total assets | 82.0757% | 3,400 |
| Equity capital to assets | 11.3046% | 2,590 |
| Core capital (leverage) ratio | 11.1603% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,317,000 | 2,832 |
| Average earning assets | $189,353,000 | 2,835 |
| Average equity | $23,385,500 | 2,896 |
| Average total loans | $167,404,000 | 2,471 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7164% | 383 |
| Cost of funding earning assets | 0.7823% | 2,761 |
| Net interest margin | 4.9342% | 305 |
| Noninterest income to average assets | 0.3926% | 3,345 |
| Noninterest expense to average assets | 2.9205% | 2,230 |
| Loan and lease loss provision to assets | 0.2387% | 794 |
| Net operating income to assets | 1.2380% | 1,913 |
| Return on assets (ROA) | 1.2380% | 1,998 |
| Pretax return on assets | 1.7185% | 1,143 |
| Return on Equity (ROE) | 10.9513% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.4961% | 401 |
| Net charge-offs to loans | 0.1662% | 1,217 |
| Credit loss provision to net charge-offs | 184.8606% | 1,430 |
| Earnings coverage of net charge-offs (x) | 15.1554% | 2,243 |
| Efficiency ratio | 57.9219% | 3,976 |
| Assets per employee ($millions) | 5.6065% | 1,971 |
| Cash dividends to net income (ytd only)* | 4.1563% | 3,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,542 |
| Loan loss allowance to noncurrent loans | 102.7972% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.9211% | 1,380 |
| Noncurrent loans to loans | 1.1494% | 1,314 |
| Net loans and leases to total assets | 79.1869% | 899 |
| Net loans and leases to deposits | 93.6407% | 1,191 |
| Net loans and leases to core deposits | 102.9395% | 1,317 |
| Total domestic deposits to total assets | 84.5645% | 2,657 |
| Equity capital to assets | 11.4782% | 2,547 |
| Core capital (leverage) ratio | 11.6673% | 1,984 |
| Tier 1 risk-based capital ratio | 13.7827% | 3,376 |
| Total risk-based capital ratio | 14.9787% | 3,302 |
| Memoranda: | ||
| Average total assets | $194,350,000 | 2,882 |
| Average earning assets | $176,666,000 | 2,921 |
| Average equity | $21,970,000 | 2,963 |
| Average total loans | $151,058,800 | 2,604 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8246% | 341 |
| Cost of funding earning assets | 0.7622% | 2,909 |
| Net interest margin | 5.0624% | 253 |
| Noninterest income to average assets | 0.3602% | 3,569 |
| Noninterest expense to average assets | 2.9357% | 2,143 |
| Loan and lease loss provision to assets | 0.2002% | 879 |
| Net operating income to assets | 1.3044% | 1,840 |
| Return on assets (ROA) | 1.3044% | 1,923 |
| Pretax return on assets | 1.8114% | 1,064 |
| Return on Equity (ROE) | 11.5852% | 1,767 |
| Retained earnings to average equity (ytd only) | 11.5852% | 433 |
| Net charge-offs to loans | 0.1743% | 971 |
| Credit loss provision to net charge-offs | 148.9691% | 1,646 |
| Earnings coverage of net charge-offs (x) | 14.9691% | 2,222 |
| Efficiency ratio | 57.3929% | 4,016 |
| Assets per employee ($millions) | 4.6241% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 2,652 |
| Loan loss allowance to noncurrent loans | 100.1677% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.9436% | 1,431 |
| Noncurrent loans to loans | 1.1708% | 1,351 |
| Net loans and leases to total assets | 79.6503% | 893 |
| Net loans and leases to deposits | 94.8668% | 1,138 |
| Net loans and leases to core deposits | 102.6853% | 1,443 |
| Total domestic deposits to total assets | 83.9601% | 2,838 |
| Equity capital to assets | 11.9880% | 2,268 |
| Core capital (leverage) ratio | 11.5818% | 2,160 |
| Tier 1 risk-based capital ratio | 14.5301% | 3,062 |
| Total risk-based capital ratio | 15.7370% | 3,001 |
| Memoranda: | ||
| Average total assets | $192,479,000 | 2,924 |
| Average earning assets | $174,406,500 | 2,964 |
| Average equity | $21,670,750 | 3,005 |
| Average total loans | $148,389,250 | 2,664 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7069% | 402 |
| Cost of funding earning assets | 0.7428% | 2,931 |
| Net interest margin | 4.9641% | 308 |
| Noninterest income to average assets | 0.1861% | 4,640 |
| Noninterest expense to average assets | 3.0376% | 1,895 |
| Loan and lease loss provision to assets | 0.1696% | 1,073 |
| Net operating income to assets | 1.0608% | 2,677 |
| Return on assets (ROA) | 1.0608% | 2,741 |
| Pretax return on assets | 1.4702% | 1,949 |
| Return on Equity (ROE) | 9.6255% | 2,573 |
| Retained earnings to average equity (ytd only) | 9.6255% | 870 |
| Net charge-offs to loans | 0.2328% | 725 |
| Credit loss provision to net charge-offs | 95.9064% | 2,066 |
| Earnings coverage of net charge-offs (x) | 9.2749% | 2,344 |
| Efficiency ratio | 62.8868% | 3,304 |
| Assets per employee ($millions) | 4.8332% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 2,757 |
| Loan loss allowance to noncurrent loans | 100.1184% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8960% | 1,552 |
| Noncurrent loans to loans | 1.1556% | 1,400 |
| Net loans and leases to total assets | 76.6445% | 1,443 |
| Net loans and leases to deposits | 88.0883% | 2,001 |
| Net loans and leases to core deposits | 94.8265% | 2,173 |
| Total domestic deposits to total assets | 87.0087% | 1,594 |
| Equity capital to assets | 11.5929% | 2,530 |
| Core capital (leverage) ratio | 10.9409% | 2,651 |
| Tier 1 risk-based capital ratio | 14.9897% | 2,851 |
| Total risk-based capital ratio | 16.2172% | 2,775 |
| Memoranda: | ||
| Average total assets | $193,442,000 | 2,927 |
| Average earning assets | $175,015,670 | 2,971 |
| Average equity | $21,318,330 | 3,033 |
| Average total loans | $146,918,670 | 2,690 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7918% | 315 |
| Cost of funding earning assets | 0.7087% | 3,009 |
| Net interest margin | 5.0831% | 251 |
| Noninterest income to average assets | -0.0327% | 5,331 |
| Noninterest expense to average assets | 3.0809% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0719% | 2,577 |
| Return on assets (ROA) | 1.0719% | 2,623 |
| Pretax return on assets | 1.4843% | 1,823 |
| Return on Equity (ROE) | 9.9755% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.9755% | 1,040 |
| Net charge-offs to loans | 0.0109% | 2,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 181.7500% | 423 |
| Efficiency ratio | 65.4293% | 3,021 |
| Assets per employee ($millions) | 5.0336% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 2,797 |
| Loan loss allowance to noncurrent loans | 130.0077% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 2,109 |
| Noncurrent loans to loans | 0.8917% | 1,869 |
| Net loans and leases to total assets | 73.5732% | 1,888 |
| Net loans and leases to deposits | 83.7113% | 2,418 |
| Net loans and leases to core deposits | 89.8741% | 2,515 |
| Total domestic deposits to total assets | 87.8892% | 1,397 |
| Equity capital to assets | 10.8623% | 2,983 |
| Core capital (leverage) ratio | 10.6578% | 2,886 |
| Tier 1 risk-based capital ratio | 14.8098% | 2,956 |
| Total risk-based capital ratio | 16.0600% | 2,893 |
| Memoranda: | ||
| Average total assets | $195,915,500 | 2,944 |
| Average earning assets | $177,215,000 | 2,983 |
| Average equity | $21,051,500 | 3,064 |
| Average total loans | $147,297,000 | 2,721 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7272% | 267 |
| Cost of funding earning assets | 0.7179% | 1,979 |
| Net interest margin | 5.0093% | 258 |
| Noninterest income to average assets | 0.3561% | 3,715 |
| Noninterest expense to average assets | 3.1230% | 1,739 |
| Loan and lease loss provision to assets | 0.0914% | 2,322 |
| Net operating income to assets | 1.2051% | 2,148 |
| Return on assets (ROA) | 1.2051% | 2,140 |
| Pretax return on assets | 1.7080% | 1,150 |
| Return on Equity (ROE) | 10.4089% | 2,342 |
| Retained earnings to average equity (ytd only) | 10.4089% | 543 |
| Net charge-offs to loans | 0.0665% | 2,163 |
| Credit loss provision to net charge-offs | 172.2222% | 1,626 |
| Earnings coverage of net charge-offs (x) | 33.9111% | 1,478 |
| Efficiency ratio | 62.4626% | 3,441 |
| Assets per employee ($millions) | 4.8880% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 2,863 |
| Loan loss allowance to noncurrent loans | 105.1393% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8260% | 1,695 |
| Noncurrent loans to loans | 1.0878% | 1,501 |
| Net loans and leases to total assets | 75.0664% | 1,761 |
| Net loans and leases to deposits | 85.1481% | 2,389 |
| Net loans and leases to core deposits | 91.3822% | 2,462 |
| Total domestic deposits to total assets | 88.1597% | 1,231 |
| Equity capital to assets | 10.6276% | 3,048 |
| Core capital (leverage) ratio | 10.7487% | 2,791 |
| Tier 1 risk-based capital ratio | 14.4684% | 3,076 |
| Total risk-based capital ratio | 15.7182% | 2,988 |
| Memoranda: | ||
| Average total assets | $169,613,000 | 3,174 |
| Average earning assets | $154,612,400 | 3,187 |
| Average equity | $19,637,000 | 3,117 |
| Average total loans | $135,278,200 | 2,822 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7445% | 240 |
| Cost of funding earning assets | 0.7324% | 1,665 |
| Net interest margin | 5.0121% | 261 |
| Noninterest income to average assets | 0.2918% | 4,203 |
| Noninterest expense to average assets | 3.1572% | 1,624 |
| Loan and lease loss provision to assets | 0.1242% | 1,618 |
| Net operating income to assets | 1.1230% | 2,562 |
| Return on assets (ROA) | 1.1230% | 2,573 |
| Pretax return on assets | 1.5741% | 1,658 |
| Return on Equity (ROE) | 9.4667% | 2,868 |
| Retained earnings to average equity (ytd only) | 9.4667% | 1,052 |
| Net charge-offs to loans | 0.1020% | 1,466 |
| Credit loss provision to net charge-offs | 150.4950% | 1,703 |
| Earnings coverage of net charge-offs (x) | 20.5748% | 1,953 |
| Efficiency ratio | 64.3494% | 3,122 |
| Assets per employee ($millions) | 4.7828% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 2,985 |
| Loan loss allowance to noncurrent loans | 63.0948% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.4685% | 886 |
| Noncurrent loans to loans | 1.8022% | 854 |
| Net loans and leases to total assets | 80.5586% | 936 |
| Net loans and leases to deposits | 93.1202% | 1,491 |
| Net loans and leases to core deposits | 100.1786% | 1,777 |
| Total domestic deposits to total assets | 86.5103% | 1,968 |
| Equity capital to assets | 11.0484% | 2,618 |
| Core capital (leverage) ratio | 10.8782% | 2,697 |
| Tier 1 risk-based capital ratio | 14.1816% | 3,279 |
| Total risk-based capital ratio | 15.4317% | 3,193 |
| Memoranda: | ||
| Average total assets | $163,136,500 | 3,268 |
| Average earning assets | $148,543,000 | 3,292 |
| Average equity | $19,351,500 | 3,171 |
| Average total loans | $131,981,000 | 2,874 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7388% | 220 |
| Cost of funding earning assets | 0.7451% | 1,392 |
| Net interest margin | 4.9937% | 247 |
| Noninterest income to average assets | 0.1274% | 5,170 |
| Noninterest expense to average assets | 3.1873% | 1,568 |
| Loan and lease loss provision to assets | 0.0535% | 2,841 |
| Net operating income to assets | 1.0285% | 2,901 |
| Return on assets (ROA) | 1.0285% | 2,906 |
| Pretax return on assets | 1.4388% | 2,023 |
| Return on Equity (ROE) | 8.4464% | 3,290 |
| Retained earnings to average equity (ytd only) | 8.4464% | 1,429 |
| Net charge-offs to loans | 0.1532% | 1,009 |
| Credit loss provision to net charge-offs | 43.2990% | 2,541 |
| Earnings coverage of net charge-offs (x) | 12.0722% | 2,226 |
| Efficiency ratio | 68.1100% | 2,626 |
| Assets per employee ($millions) | 4.8912% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,308 |
| Loan loss allowance to noncurrent loans | 110.2725% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.9438% | 1,601 |
| Noncurrent loans to loans | 1.1540% | 1,510 |
| Net loans and leases to total assets | 80.7423% | 894 |
| Net loans and leases to deposits | 94.3147% | 1,322 |
| Net loans and leases to core deposits | 105.5223% | 1,274 |
| Total domestic deposits to total assets | 85.6095% | 2,452 |
| Equity capital to assets | 12.8690% | 1,364 |
| Core capital (leverage) ratio | 12.5971% | 1,384 |
| Tier 1 risk-based capital ratio | 16.6959% | 2,198 |
| Total risk-based capital ratio | 17.9475% | 2,146 |
| Memoranda: | ||
| Average total assets | $156,933,330 | 3,357 |
| Average earning assets | $143,061,000 | 3,377 |
| Average equity | $19,108,670 | 3,213 |
| Average total loans | $126,606,000 | 2,957 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6086% | 232 |
| Cost of funding earning assets | 0.7000% | 1,445 |
| Net interest margin | 4.9086% | 272 |
| Noninterest income to average assets | 0.2331% | 4,616 |
| Noninterest expense to average assets | 3.1857% | 1,595 |
| Loan and lease loss provision to assets | 0.1053% | 1,765 |
| Net operating income to assets | 1.0176% | 2,789 |
| Return on assets (ROA) | 1.0176% | 2,809 |
| Pretax return on assets | 1.4237% | 1,919 |
| Return on Equity (ROE) | 8.5896% | 3,110 |
| Retained earnings to average equity (ytd only) | 8.5896% | 1,620 |
| Net charge-offs to loans | 0.3377% | 454 |
| Credit loss provision to net charge-offs | 38.8889% | 2,022 |
| Earnings coverage of net charge-offs (x) | 5.6481% | 2,216 |
| Efficiency ratio | 67.5704% | 2,900 |
| Assets per employee ($millions) | 4.8549% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,511 |
| Loan loss allowance to noncurrent loans | 715.5251% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 4,384 |
| Noncurrent loans to loans | 0.1749% | 4,194 |
| Net loans and leases to total assets | 79.5698% | 1,001 |
| Net loans and leases to deposits | 92.4668% | 1,393 |
| Net loans and leases to core deposits | 107.5575% | 1,153 |
| Total domestic deposits to total assets | 86.0522% | 2,524 |
| Equity capital to assets | 12.2987% | 1,602 |
| Core capital (leverage) ratio | 12.0350% | 1,634 |
| Tier 1 risk-based capital ratio | 15.8717% | 2,533 |
| Total risk-based capital ratio | 17.1229% | 2,468 |
| Memoranda: | ||
| Average total assets | $159,586,000 | 3,363 |
| Average earning assets | $145,704,000 | 3,383 |
| Average equity | $18,906,500 | 3,256 |
| Average total loans | $127,906,000 | 2,963 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7025% | 196 |
| Cost of funding earning assets | 0.6548% | 1,273 |
| Net interest margin | 5.0477% | 220 |
| Noninterest income to average assets | 0.5749% | 2,580 |
| Noninterest expense to average assets | 3.0335% | 2,064 |
| Loan and lease loss provision to assets | 0.2319% | 836 |
| Net operating income to assets | 0.9547% | 2,424 |
| Return on assets (ROA) | 0.9547% | 2,459 |
| Pretax return on assets | 1.8324% | 731 |
| Return on Equity (ROE) | 8.4608% | 2,573 |
| Retained earnings to average equity (ytd only) | 7.9053% | 800 |
| Net charge-offs to loans | 0.1771% | 1,408 |
| Credit loss provision to net charge-offs | 165.9193% | 1,621 |
| Earnings coverage of net charge-offs (x) | 14.7668% | 2,305 |
| Efficiency ratio | 59.5057% | 4,336 |
| Assets per employee ($millions) | 4.9641% | 2,526 |
| Cash dividends to net income (ytd only)* | 6.5660% | 4,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 78.7442% | 1,176 |
| Net loans and leases to deposits | 90.2700% | 1,746 |
| Net loans and leases to core deposits | 105.2437% | 1,322 |
| Total domestic deposits to total assets | 87.2319% | 1,886 |
| Equity capital to assets | 11.4190% | 2,262 |
| Core capital (leverage) ratio | 11.7431% | 1,767 |
| Tier 1 risk-based capital ratio | 15.2130% | 2,741 |
| Total risk-based capital ratio | 16.4642% | 2,671 |
| Memoranda: | ||
| Average total assets | $159,519,800 | 3,356 |
| Average earning assets | $142,936,400 | 3,412 |
| Average equity | $18,000,600 | 3,360 |
| Average total loans | $125,937,200 | 2,979 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6966% | 192 |
| Cost of funding earning assets | 0.6478% | 1,253 |
| Net interest margin | 5.0488% | 207 |
| Noninterest income to average assets | 0.6126% | 2,407 |
| Noninterest expense to average assets | 3.0891% | 1,832 |
| Loan and lease loss provision to assets | 0.2634% | 638 |
| Net operating income to assets | 1.0653% | 2,254 |
| Return on assets (ROA) | 1.0653% | 2,294 |
| Pretax return on assets | 1.7654% | 968 |
| Return on Equity (ROE) | 9.4700% | 2,365 |
| Retained earnings to average equity (ytd only) | 8.7220% | 938 |
| Net charge-offs to loans | 0.2095% | 1,025 |
| Credit loss provision to net charge-offs | 159.6939% | 1,604 |
| Earnings coverage of net charge-offs (x) | 12.3009% | 2,436 |
| Efficiency ratio | 60.3584% | 4,149 |
| Assets per employee ($millions) | 4.9873% | 2,464 |
| Cash dividends to net income (ytd only)* | 7.8989% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 2,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 77.6465% | 1,324 |
| Net loans and leases to deposits | 89.2230% | 1,901 |
| Net loans and leases to core deposits | 103.8534% | 1,398 |
| Total domestic deposits to total assets | 87.0253% | 1,864 |
| Equity capital to assets | 11.5574% | 2,313 |
| Core capital (leverage) ratio | 11.4813% | 2,032 |
| Tier 1 risk-based capital ratio | 15.0780% | 2,885 |
| Total risk-based capital ratio | 16.3288% | 2,815 |
| Memoranda: | ||
| Average total assets | $158,446,250 | 3,394 |
| Average earning assets | $141,390,500 | 3,459 |
| Average equity | $17,824,250 | 3,421 |
| Average total loans | $124,764,750 | 3,016 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6128% | 206 |
| Cost of funding earning assets | 0.6315% | 1,254 |
| Net interest margin | 4.9813% | 225 |
| Noninterest income to average assets | 0.8187% | 1,503 |
| Noninterest expense to average assets | 3.0912% | 1,856 |
| Loan and lease loss provision to assets | 0.3960% | 340 |
| Net operating income to assets | 1.0831% | 2,070 |
| Return on assets (ROA) | 1.0831% | 2,114 |
| Pretax return on assets | 1.7930% | 858 |
| Return on Equity (ROE) | 9.7177% | 2,164 |
| Retained earnings to average equity (ytd only) | 8.5825% | 973 |
| Net charge-offs to loans | 0.3148% | 648 |
| Credit loss provision to net charge-offs | 159.6939% | 1,467 |
| Earnings coverage of net charge-offs (x) | 8.8265% | 2,479 |
| Efficiency ratio | 58.5430% | 4,526 |
| Assets per employee ($millions) | 4.9062% | 2,501 |
| Cash dividends to net income (ytd only)* | 11.6822% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 2,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 78.1392% | 1,227 |
| Net loans and leases to deposits | 89.3509% | 1,825 |
| Net loans and leases to core deposits | 103.7247% | 1,377 |
| Total domestic deposits to total assets | 87.4520% | 1,745 |
| Equity capital to assets | 11.1336% | 2,670 |
| Core capital (leverage) ratio | 11.2189% | 2,207 |
| Tier 1 risk-based capital ratio | 15.0304% | 2,911 |
| Total risk-based capital ratio | 16.2814% | 2,853 |
| Memoranda: | ||
| Average total assets | $158,063,330 | 3,414 |
| Average earning assets | $141,568,670 | 3,470 |
| Average equity | $17,617,330 | 3,454 |
| Average total loans | $124,512,000 | 3,033 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 247 |
| Cost of funding earning assets | 0.6210% | 1,236 |
| Net interest margin | 4.8426% | 292 |
| Noninterest income to average assets | 0.7916% | 1,586 |
| Noninterest expense to average assets | 3.1151% | 1,825 |
| Loan and lease loss provision to assets | 0.2562% | 571 |
| Net operating income to assets | 1.0811% | 1,942 |
| Return on assets (ROA) | 1.0811% | 1,985 |
| Pretax return on assets | 1.7753% | 847 |
| Return on Equity (ROE) | 9.6939% | 2,106 |
| Retained earnings to average equity (ytd only) | 7.3968% | 1,694 |
| Net charge-offs to loans | -0.0098% | 4,411 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5276% | 4,396 |
| Assets per employee ($millions) | 4.8444% | 2,636 |
| Cash dividends to net income (ytd only)* | 23.6967% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 78.2759% | 1,092 |
| Net loans and leases to deposits | 92.6651% | 1,255 |
| Net loans and leases to core deposits | 105.1219% | 1,156 |
| Total domestic deposits to total assets | 84.4718% | 3,300 |
| Equity capital to assets | 10.9950% | 2,630 |
| Core capital (leverage) ratio | 11.1446% | 2,239 |
| Tier 1 risk-based capital ratio | 14.9695% | 2,978 |
| Total risk-based capital ratio | 16.2210% | 2,907 |
| Memoranda: | ||
| Average total assets | $156,142,000 | 3,472 |
| Average earning assets | $140,420,500 | 3,521 |
| Average equity | $17,413,000 | 3,494 |
| Average total loans | $122,710,500 | 3,078 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3682% | 313 |
| Cost of funding earning assets | 0.6409% | 1,099 |
| Net interest margin | 4.7273% | 405 |
| Noninterest income to average assets | 0.7209% | 2,073 |
| Noninterest expense to average assets | 3.1332% | 1,942 |
| Loan and lease loss provision to assets | 0.0619% | 3,131 |
| Net operating income to assets | 1.0763% | 2,007 |
| Return on assets (ROA) | 1.0763% | 2,107 |
| Pretax return on assets | 1.8096% | 783 |
| Return on Equity (ROE) | 9.5569% | 2,160 |
| Retained earnings to average equity (ytd only) | 9.5569% | 485 |
| Net charge-offs to loans | -0.0082% | 4,891 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6064% | 4,160 |
| Assets per employee ($millions) | 5.0807% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 2,812 |
| Loan loss allowance to noncurrent loans | 848.5714% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 4,855 |
| Noncurrent loans to loans | 0.1474% | 4,645 |
| Net loans and leases to total assets | 76.9013% | 1,378 |
| Net loans and leases to deposits | 89.3780% | 1,754 |
| Net loans and leases to core deposits | 101.9501% | 1,448 |
| Total domestic deposits to total assets | 86.0405% | 2,562 |
| Equity capital to assets | 11.3168% | 2,317 |
| Core capital (leverage) ratio | 11.6567% | 1,822 |
| Tier 1 risk-based capital ratio | 15.7494% | 2,651 |
| Total risk-based capital ratio | 17.0011% | 2,573 |
| Memoranda: | ||
| Average total assets | $145,504,600 | 3,583 |
| Average earning assets | $131,849,800 | 3,621 |
| Average equity | $16,386,000 | 3,640 |
| Average total loans | $109,993,400 | 3,215 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3855% | 306 |
| Cost of funding earning assets | 0.6472% | 1,073 |
| Net interest margin | 4.7383% | 401 |
| Noninterest income to average assets | 0.4099% | 3,849 |
| Noninterest expense to average assets | 3.1122% | 1,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9477% | 2,667 |
| Return on assets (ROA) | 0.9477% | 2,801 |
| Pretax return on assets | 1.5950% | 1,390 |
| Return on Equity (ROE) | 8.4268% | 2,795 |
| Retained earnings to average equity (ytd only) | 8.4268% | 1,006 |
| Net charge-offs to loans | -0.0111% | 4,807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1151% | 3,571 |
| Assets per employee ($millions) | 4.9312% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,813 |
| Loan loss allowance to noncurrent loans | 452.9221% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 4,600 |
| Noncurrent loans to loans | 0.2816% | 4,253 |
| Net loans and leases to total assets | 72.9807% | 2,024 |
| Net loans and leases to deposits | 83.6930% | 2,523 |
| Net loans and leases to core deposits | 96.1030% | 1,978 |
| Total domestic deposits to total assets | 87.2005% | 1,804 |
| Equity capital to assets | 11.3016% | 2,703 |
| Core capital (leverage) ratio | 10.9612% | 2,489 |
| Tier 1 risk-based capital ratio | 16.6462% | 2,361 |
| Total risk-based capital ratio | 17.8981% | 2,305 |
| Memoranda: | ||
| Average total assets | $143,775,750 | 3,630 |
| Average earning assets | $130,395,750 | 3,665 |
| Average equity | $16,170,250 | 3,702 |
| Average total loans | $107,817,250 | 3,260 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4141% | 292 |
| Cost of funding earning assets | 0.6314% | 1,135 |
| Net interest margin | 4.7827% | 382 |
| Noninterest income to average assets | 0.3975% | 3,884 |
| Noninterest expense to average assets | 3.2011% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9172% | 2,782 |
| Return on assets (ROA) | 0.9172% | 2,913 |
| Pretax return on assets | 1.5268% | 1,598 |
| Return on Equity (ROE) | 8.1690% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.1690% | 1,115 |
| Net charge-offs to loans | -0.0168% | 4,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7065% | 3,403 |
| Assets per employee ($millions) | 5.1853% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,925 |
| Loan loss allowance to noncurrent loans | 447.1154% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 4,662 |
| Noncurrent loans to loans | 0.2851% | 4,354 |
| Net loans and leases to total assets | 71.8442% | 2,196 |
| Net loans and leases to deposits | 84.9238% | 2,358 |
| Net loans and leases to core deposits | 97.6120% | 1,844 |
| Total domestic deposits to total assets | 84.5984% | 3,049 |
| Equity capital to assets | 10.8576% | 3,226 |
| Core capital (leverage) ratio | 11.2704% | 2,173 |
| Tier 1 risk-based capital ratio | 13.8869% | 3,670 |
| Total risk-based capital ratio | 15.1379% | 3,586 |
| Memoranda: | ||
| Average total assets | $142,389,330 | 3,668 |
| Average earning assets | $128,923,000 | 3,715 |
| Average equity | $15,987,330 | 3,733 |
| Average total loans | $107,303,330 | 3,279 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3658% | 308 |
| Cost of funding earning assets | 0.6254% | 1,179 |
| Net interest margin | 4.7404% | 399 |
| Noninterest income to average assets | 0.3931% | 3,881 |
| Noninterest expense to average assets | 3.1243% | 2,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9191% | 2,654 |
| Return on assets (ROA) | 0.9191% | 2,763 |
| Pretax return on assets | 1.5405% | 1,466 |
| Return on Equity (ROE) | 8.0417% | 2,892 |
| Retained earnings to average equity (ytd only) | 8.0417% | 1,442 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9765% | 3,636 |
| Assets per employee ($millions) | 4.7041% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 2,999 |
| Loan loss allowance to noncurrent loans | 149.6760% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6562% | 3,089 |
| Noncurrent loans to loans | 0.8561% | 2,707 |
| Net loans and leases to total assets | 75.6640% | 1,440 |
| Net loans and leases to deposits | 90.3285% | 1,540 |
| Net loans and leases to core deposits | 102.3679% | 1,306 |
| Total domestic deposits to total assets | 83.7653% | 3,614 |
| Equity capital to assets | 11.3120% | 2,610 |
| Core capital (leverage) ratio | 11.5793% | 1,919 |
| Tier 1 risk-based capital ratio | 13.6920% | 3,875 |
| Total risk-based capital ratio | 14.9435% | 3,803 |
| Memoranda: | ||
| Average total assets | $138,397,000 | 3,773 |
| Average earning assets | $124,716,000 | 3,814 |
| Average equity | $15,817,500 | 3,758 |
| Average total loans | $106,240,000 | 3,311 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2467% | 396 |
| Cost of funding earning assets | 0.6831% | 896 |
| Net interest margin | 4.5636% | 590 |
| Noninterest income to average assets | 0.5136% | 3,235 |
| Noninterest expense to average assets | 3.3528% | 1,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8688% | 3,027 |
| Return on assets (ROA) | 0.8688% | 3,103 |
| Pretax return on assets | 1.2623% | 2,424 |
| Return on Equity (ROE) | 7.4500% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.3516% | 1,147 |
| Net charge-offs to loans | 0.0021% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 824.5000% | 75 |
| Efficiency ratio | 72.6489% | 2,798 |
| Assets per employee ($millions) | 4.6783% | 2,760 |
| Cash dividends to net income (ytd only)* | 1.3216% | 4,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 2,762 |
| Loan loss allowance to noncurrent loans | 84.1019% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.2147% | 1,783 |
| Noncurrent loans to loans | 1.5798% | 1,454 |
| Net loans and leases to total assets | 75.8664% | 1,443 |
| Net loans and leases to deposits | 86.2983% | 2,094 |
| Net loans and leases to core deposits | 98.8808% | 1,601 |
| Total domestic deposits to total assets | 87.9118% | 1,678 |
| Equity capital to assets | 11.5508% | 2,317 |
| Core capital (leverage) ratio | 11.5356% | 1,933 |
| Tier 1 risk-based capital ratio | 13.8587% | 3,797 |
| Total risk-based capital ratio | 15.1128% | 3,726 |
| Memoranda: | ||
| Average total assets | $130,636,200 | 3,878 |
| Average earning assets | $117,407,000 | 3,939 |
| Average equity | $15,234,800 | 3,798 |
| Average total loans | $94,292,000 | 3,496 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1938% | 446 |
| Cost of funding earning assets | 0.6973% | 851 |
| Net interest margin | 4.4965% | 658 |
| Noninterest income to average assets | 0.5689% | 2,924 |
| Noninterest expense to average assets | 3.3905% | 1,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8327% | 3,271 |
| Return on assets (ROA) | 0.8327% | 3,350 |
| Pretax return on assets | 1.2119% | 2,775 |
| Return on Equity (ROE) | 7.1224% | 3,558 |
| Retained earnings to average equity (ytd only) | 6.9901% | 1,692 |
| Net charge-offs to loans | 0.0654% | 2,642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 26.1327% | 1,626 |
| Efficiency ratio | 73.6677% | 2,613 |
| Assets per employee ($millions) | 4.5090% | 2,995 |
| Cash dividends to net income (ytd only)* | 1.8565% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 2,706 |
| Loan loss allowance to noncurrent loans | 81.1366% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.2227% | 1,931 |
| Noncurrent loans to loans | 1.6990% | 1,424 |
| Net loans and leases to total assets | 70.9780% | 2,237 |
| Net loans and leases to deposits | 82.6265% | 2,573 |
| Net loans and leases to core deposits | 95.3749% | 1,942 |
| Total domestic deposits to total assets | 85.9023% | 2,585 |
| Equity capital to assets | 11.3484% | 2,648 |
| Core capital (leverage) ratio | 10.8380% | 2,658 |
| Tier 1 risk-based capital ratio | 14.1571% | 3,758 |
| Total risk-based capital ratio | 15.4143% | 3,687 |
| Memoranda: | ||
| Average total assets | $129,377,750 | 3,937 |
| Average earning assets | $116,057,750 | 4,005 |
| Average equity | $15,125,750 | 3,852 |
| Average total loans | $91,786,500 | 3,583 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2323% | 406 |
| Cost of funding earning assets | 0.6857% | 909 |
| Net interest margin | 4.5465% | 580 |
| Noninterest income to average assets | 0.8257% | 1,674 |
| Noninterest expense to average assets | 3.4941% | 1,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0972% | 1,966 |
| Return on assets (ROA) | 1.0972% | 2,056 |
| Pretax return on assets | 1.4112% | 1,933 |
| Return on Equity (ROE) | 9.2886% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.1690% | 871 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2320% | 3,122 |
| Assets per employee ($millions) | 4.5390% | 2,924 |
| Cash dividends to net income (ytd only)* | 1.2876% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 2,152 |
| Loan loss allowance to noncurrent loans | 84.2329% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.2528% | 2,008 |
| Noncurrent loans to loans | 1.8183% | 1,402 |
| Net loans and leases to total assets | 67.8409% | 2,667 |
| Net loans and leases to deposits | 80.7274% | 2,693 |
| Net loans and leases to core deposits | 92.8370% | 2,082 |
| Total domestic deposits to total assets | 84.0371% | 3,548 |
| Equity capital to assets | 12.9492% | 1,428 |
| Core capital (leverage) ratio | 11.7028% | 1,836 |
| Tier 1 risk-based capital ratio | 15.6610% | 3,013 |
| Total risk-based capital ratio | 16.9286% | 2,964 |
| Memoranda: | ||
| Average total assets | $127,413,670 | 4,011 |
| Average earning assets | $114,329,330 | 4,066 |
| Average equity | $15,050,670 | 3,879 |
| Average total loans | $89,930,670 | 3,645 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3013% | 354 |
| Cost of funding earning assets | 0.6560% | 1,074 |
| Net interest margin | 4.6453% | 451 |
| Noninterest income to average assets | 1.0055% | 1,110 |
| Noninterest expense to average assets | 3.6200% | 1,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5450% | 783 |
| Return on assets (ROA) | 1.5450% | 826 |
| Pretax return on assets | 1.5450% | 1,407 |
| Return on Equity (ROE) | 13.7759% | 919 |
| Retained earnings to average equity (ytd only) | 13.6336% | 387 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0865% | 3,473 |
| Assets per employee ($millions) | 4.6010% | 2,901 |
| Cash dividends to net income (ytd only)* | 1.0331% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 2,069 |
| Loan loss allowance to noncurrent loans | 71.9316% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 2.6671% | 765 |
| Noncurrent loans to loans | 2.2165% | 1,139 |
| Net loans and leases to total assets | 66.5453% | 2,684 |
| Net loans and leases to deposits | 80.7629% | 2,473 |
| Net loans and leases to core deposits | 89.4660% | 2,179 |
| Total domestic deposits to total assets | 82.3959% | 4,380 |
| Equity capital to assets | 11.1257% | 2,838 |
| Core capital (leverage) ratio | 11.0043% | 2,407 |
| Tier 1 risk-based capital ratio | 14.7118% | 3,599 |
| Total risk-based capital ratio | 15.9650% | 3,525 |
| Memoranda: | ||
| Average total assets | $125,305,500 | 4,079 |
| Average earning assets | $112,198,500 | 4,137 |
| Average equity | $14,053,500 | 4,066 |
| Average total loans | $89,552,000 | 3,654 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4914% | 320 |
| Cost of funding earning assets | 0.6406% | 1,466 |
| Net interest margin | 4.8508% | 397 |
| Noninterest income to average assets | 0.3570% | 4,546 |
| Noninterest expense to average assets | 3.6636% | 1,203 |
| Loan and lease loss provision to assets | 0.5382% | 270 |
| Net operating income to assets | 1.7147% | 566 |
| Return on assets (ROA) | 1.7147% | 582 |
| Pretax return on assets | 0.4084% | 5,465 |
| Return on Equity (ROE) | 15.3535% | 721 |
| Retained earnings to average equity (ytd only) | 15.1820% | 145 |
| Net charge-offs to loans | 0.5358% | 763 |
| Credit loss provision to net charge-offs | 139.8190% | 1,699 |
| Earnings coverage of net charge-offs (x) | 2.4593% | 4,146 |
| Efficiency ratio | 79.4673% | 2,005 |
| Assets per employee ($millions) | 4.6840% | 2,753 |
| Cash dividends to net income (ytd only)* | 1.1173% | 4,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 2,434 |
| Loan loss allowance to noncurrent loans | 39.5893% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 2.8789% | 732 |
| Noncurrent loans to loans | 3.8114% | 509 |
| Net loans and leases to total assets | 74.3930% | 1,517 |
| Net loans and leases to deposits | 90.9208% | 1,410 |
| Net loans and leases to core deposits | 97.5977% | 1,584 |
| Total domestic deposits to total assets | 81.8218% | 4,484 |
| Equity capital to assets | 11.3103% | 2,596 |
| Core capital (leverage) ratio | 10.9293% | 2,469 |
| Tier 1 risk-based capital ratio | 13.1282% | 4,639 |
| Total risk-based capital ratio | 14.3814% | 4,559 |
| Memoranda: | ||
| Average total assets | $114,833,800 | 4,280 |
| Average earning assets | $100,685,400 | 4,375 |
| Average equity | $12,824,400 | 4,223 |
| Average total loans | $82,494,600 | 3,805 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5321% | 304 |
| Cost of funding earning assets | 0.6427% | 1,509 |
| Net interest margin | 4.8894% | 351 |
| Noninterest income to average assets | 0.4185% | 4,112 |
| Noninterest expense to average assets | 3.6357% | 1,230 |
| Loan and lease loss provision to assets | 0.1686% | 1,462 |
| Net operating income to assets | 1.2190% | 1,611 |
| Return on assets (ROA) | 1.2190% | 1,672 |
| Pretax return on assets | 0.8653% | 4,121 |
| Return on Equity (ROE) | 10.9528% | 1,806 |
| Retained earnings to average equity (ytd only) | 10.7621% | 553 |
| Net charge-offs to loans | 0.1248% | 2,558 |
| Credit loss provision to net charge-offs | 190.6667% | 1,321 |
| Earnings coverage of net charge-offs (x) | 11.6930% | 2,392 |
| Efficiency ratio | 77.8591% | 2,202 |
| Assets per employee ($millions) | 4.2210% | 3,436 |
| Cash dividends to net income (ytd only)* | 1.7409% | 3,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 2,629 |
| Loan loss allowance to noncurrent loans | 30.5052% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 3.7914% | 541 |
| Noncurrent loans to loans | 4.9683% | 372 |
| Net loans and leases to total assets | 72.9819% | 1,687 |
| Net loans and leases to deposits | 89.6332% | 1,462 |
| Net loans and leases to core deposits | 95.6442% | 1,707 |
| Total domestic deposits to total assets | 81.4229% | 4,689 |
| Equity capital to assets | 11.2181% | 2,740 |
| Core capital (leverage) ratio | 11.3207% | 2,197 |
| Tier 1 risk-based capital ratio | 13.6674% | 4,434 |
| Total risk-based capital ratio | 14.9188% | 4,376 |
| Memoranda: | ||
| Average total assets | $113,096,500 | 4,355 |
| Average earning assets | $98,333,250 | 4,486 |
| Average equity | $12,587,000 | 4,292 |
| Average total loans | $80,121,750 | 3,897 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5623% | 278 |
| Cost of funding earning assets | 0.6421% | 1,573 |
| Net interest margin | 4.9202% | 336 |
| Noninterest income to average assets | 0.3830% | 4,382 |
| Noninterest expense to average assets | 3.5831% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3794% | 1,116 |
| Return on assets (ROA) | 1.3794% | 1,156 |
| Pretax return on assets | 1.0248% | 3,378 |
| Return on Equity (ROE) | 12.4271% | 1,324 |
| Retained earnings to average equity (ytd only) | 12.2195% | 402 |
| Net charge-offs to loans | 0.0254% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 57.8000% | 827 |
| Efficiency ratio | 77.7607% | 2,328 |
| Assets per employee ($millions) | 4.3546% | 3,168 |
| Cash dividends to net income (ytd only)* | 1.6710% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 3,165 |
| Loan loss allowance to noncurrent loans | 57.5395% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.9555% | 1,646 |
| Noncurrent loans to loans | 2.4942% | 1,247 |
| Net loans and leases to total assets | 72.9127% | 1,590 |
| Net loans and leases to deposits | 88.0253% | 1,597 |
| Net loans and leases to core deposits | 93.3254% | 1,835 |
| Total domestic deposits to total assets | 82.8315% | 4,372 |
| Equity capital to assets | 11.0600% | 2,817 |
| Core capital (leverage) ratio | 11.4268% | 2,068 |
| Tier 1 risk-based capital ratio | 13.2782% | 4,735 |
| Total risk-based capital ratio | 14.5286% | 4,673 |
| Memoranda: | ||
| Average total assets | $112,806,000 | 4,388 |
| Average earning assets | $96,866,670 | 4,558 |
| Average equity | $12,521,000 | 4,314 |
| Average total loans | $78,677,000 | 3,949 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3775% | 361 |
| Cost of funding earning assets | 0.6414% | 1,639 |
| Net interest margin | 4.7361% | 432 |
| Noninterest income to average assets | 0.6892% | 2,228 |
| Noninterest expense to average assets | 3.7513% | 1,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3854% | 1,018 |
| Return on assets (ROA) | 1.3854% | 1,058 |
| Pretax return on assets | 1.0302% | 3,209 |
| Return on Equity (ROE) | 12.4596% | 1,292 |
| Retained earnings to average equity (ytd only) | 12.2679% | 577 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4547% | 2,419 |
| Assets per employee ($millions) | 4.3038% | 3,330 |
| Cash dividends to net income (ytd only)* | 1.5385% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 2,848 |
| Loan loss allowance to noncurrent loans | 90.5153% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.3606% | 2,594 |
| Noncurrent loans to loans | 1.7309% | 2,237 |
| Net loans and leases to total assets | 70.7703% | 1,761 |
| Net loans and leases to deposits | 86.6378% | 1,515 |
| Net loans and leases to core deposits | 91.1884% | 1,807 |
| Total domestic deposits to total assets | 81.6852% | 5,031 |
| Equity capital to assets | 11.8508% | 1,982 |
| Core capital (leverage) ratio | 11.3770% | 2,069 |
| Tier 1 risk-based capital ratio | 14.3766% | 4,080 |
| Total risk-based capital ratio | 15.6282% | 4,038 |
| Memoranda: | ||
| Average total assets | $112,599,500 | 4,432 |
| Average earning assets | $97,294,500 | 4,589 |
| Average equity | $12,520,500 | 4,342 |
| Average total loans | $76,139,000 | 4,058 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5088% | 359 |
| Cost of funding earning assets | 0.7237% | 1,657 |
| Net interest margin | 4.7851% | 446 |
| Noninterest income to average assets | 0.8268% | 1,955 |
| Noninterest expense to average assets | 3.7822% | 1,167 |
| Loan and lease loss provision to assets | 0.5587% | 469 |
| Net operating income to assets | 1.1266% | 1,847 |
| Return on assets (ROA) | 1.1266% | 1,910 |
| Pretax return on assets | 0.7632% | 4,287 |
| Return on Equity (ROE) | 10.6691% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.4626% | 493 |
| Net charge-offs to loans | 1.1154% | 500 |
| Credit loss provision to net charge-offs | 73.6527% | 3,211 |
| Earnings coverage of net charge-offs (x) | 1.7425% | 4,466 |
| Efficiency ratio | 74.1011% | 3,115 |
| Assets per employee ($millions) | 4.5232% | 2,865 |
| Cash dividends to net income (ytd only)* | 1.9355% | 4,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 2,691 |
| Loan loss allowance to noncurrent loans | 89.0522% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.2636% | 2,886 |
| Noncurrent loans to loans | 1.8166% | 2,216 |
| Net loans and leases to total assets | 62.6753% | 3,256 |
| Net loans and leases to deposits | 75.0866% | 3,086 |
| Net loans and leases to core deposits | 77.6389% | 3,412 |
| Total domestic deposits to total assets | 83.4707% | 4,374 |
| Equity capital to assets | 10.4504% | 3,220 |
| Core capital (leverage) ratio | 11.2708% | 2,144 |
| Tier 1 risk-based capital ratio | 14.6648% | 3,855 |
| Total risk-based capital ratio | 15.9169% | 3,800 |
| Memoranda: | ||
| Average total assets | $110,067,800 | 4,499 |
| Average earning assets | $98,388,600 | 4,558 |
| Average equity | $11,622,400 | 4,528 |
| Average total loans | $74,863,600 | 4,100 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4108% | 432 |
| Cost of funding earning assets | 0.7265% | 1,760 |
| Net interest margin | 4.6843% | 530 |
| Noninterest income to average assets | 1.1560% | 1,099 |
| Noninterest expense to average assets | 3.7787% | 1,108 |
| Loan and lease loss provision to assets | 0.7579% | 273 |
| Net operating income to assets | 0.8627% | 3,033 |
| Return on assets (ROA) | 0.8627% | 3,142 |
| Pretax return on assets | 0.8627% | 4,036 |
| Return on Equity (ROE) | 8.1473% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.9378% | 1,435 |
| Net charge-offs to loans | 0.6270% | 985 |
| Credit loss provision to net charge-offs | 174.7159% | 1,373 |
| Earnings coverage of net charge-offs (x) | 3.7358% | 3,619 |
| Efficiency ratio | 69.9840% | 3,763 |
| Assets per employee ($millions) | 4.3192% | 3,184 |
| Cash dividends to net income (ytd only)* | 2.5715% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2912% | 1,193 |
| Loan loss allowance to noncurrent loans | 102.6013% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.4720% | 2,732 |
| Noncurrent loans to loans | 2.2331% | 1,975 |
| Net loans and leases to total assets | 64.4054% | 2,936 |
| Net loans and leases to deposits | 77.4551% | 2,752 |
| Net loans and leases to core deposits | 79.9545% | 3,137 |
| Total domestic deposits to total assets | 83.1520% | 4,524 |
| Equity capital to assets | 10.4463% | 3,347 |
| Core capital (leverage) ratio | 10.9559% | 2,524 |
| Tier 1 risk-based capital ratio | 14.0342% | 4,397 |
| Total risk-based capital ratio | 15.2939% | 4,346 |
| Memoranda: | ||
| Average total assets | $108,184,000 | 4,582 |
| Average earning assets | $97,999,250 | 4,609 |
| Average equity | $11,455,500 | 4,597 |
| Average total loans | $74,849,500 | 4,124 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4282% | 425 |
| Cost of funding earning assets | 0.7149% | 1,962 |
| Net interest margin | 4.7132% | 495 |
| Noninterest income to average assets | 1.3875% | 815 |
| Noninterest expense to average assets | 3.8366% | 1,052 |
| Loan and lease loss provision to assets | 0.9830% | 193 |
| Net operating income to assets | 0.8389% | 3,106 |
| Return on assets (ROA) | 0.8389% | 3,261 |
| Pretax return on assets | 0.8389% | 4,163 |
| Return on Equity (ROE) | 7.8848% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.6736% | 1,604 |
| Net charge-offs to loans | 1.0383% | 581 |
| Credit loss provision to net charge-offs | 134.6154% | 1,683 |
| Earnings coverage of net charge-offs (x) | 2.4949% | 3,692 |
| Efficiency ratio | 67.8028% | 4,215 |
| Assets per employee ($millions) | 4.0173% | 3,764 |
| Cash dividends to net income (ytd only)* | 2.6786% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2005% | 1,420 |
| Loan loss allowance to noncurrent loans | 60.3774% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 2.4864% | 1,703 |
| Noncurrent loans to loans | 3.6446% | 1,124 |
| Net loans and leases to total assets | 66.7196% | 2,463 |
| Net loans and leases to deposits | 81.1694% | 2,160 |
| Net loans and leases to core deposits | 84.2752% | 2,519 |
| Total domestic deposits to total assets | 82.1980% | 4,983 |
| Equity capital to assets | 11.0973% | 2,662 |
| Core capital (leverage) ratio | 11.0968% | 2,268 |
| Tier 1 risk-based capital ratio | 14.7981% | 3,909 |
| Total risk-based capital ratio | 16.0575% | 3,871 |
| Memoranda: | ||
| Average total assets | $106,812,670 | 4,647 |
| Average earning assets | $96,791,000 | 4,678 |
| Average equity | $11,363,670 | 4,648 |
| Average total loans | $75,125,330 | 4,131 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5041% | 368 |
| Cost of funding earning assets | 0.7019% | 2,189 |
| Net interest margin | 4.8022% | 399 |
| Noninterest income to average assets | 1.2593% | 965 |
| Noninterest expense to average assets | 4.0965% | 799 |
| Loan and lease loss provision to assets | 0.7408% | 315 |
| Net operating income to assets | 0.7556% | 3,403 |
| Return on assets (ROA) | 0.7556% | 3,544 |
| Pretax return on assets | 0.7556% | 4,348 |
| Return on Equity (ROE) | 7.2533% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.0400% | 2,133 |
| Net charge-offs to loans | 0.9136% | 666 |
| Credit loss provision to net charge-offs | 113.6364% | 1,660 |
| Earnings coverage of net charge-offs (x) | 2.2955% | 3,078 |
| Efficiency ratio | 73.2450% | 3,406 |
| Assets per employee ($millions) | 4.1275% | 3,683 |
| Cash dividends to net income (ytd only)* | 2.9412% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9839% | 2,091 |
| Loan loss allowance to noncurrent loans | 106.5011% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.2757% | 3,429 |
| Noncurrent loans to loans | 1.8628% | 2,782 |
| Net loans and leases to total assets | 67.1230% | 2,165 |
| Net loans and leases to deposits | 80.9924% | 1,955 |
| Net loans and leases to core deposits | 84.5895% | 2,253 |
| Total domestic deposits to total assets | 82.8756% | 4,897 |
| Equity capital to assets | 10.5819% | 3,450 |
| Core capital (leverage) ratio | 10.7265% | 2,519 |
| Tier 1 risk-based capital ratio | 14.0406% | 4,479 |
| Total risk-based capital ratio | 15.2980% | 4,432 |
| Memoranda: | ||
| Average total assets | $107,994,500 | 4,655 |
| Average earning assets | $97,454,500 | 4,704 |
| Average equity | $11,250,000 | 4,727 |
| Average total loans | $77,060,000 | 4,098 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6097% | 495 |
| Cost of funding earning assets | 0.8109% | 2,578 |
| Net interest margin | 4.7988% | 538 |
| Noninterest income to average assets | 0.9711% | 1,629 |
| Noninterest expense to average assets | 4.0158% | 958 |
| Loan and lease loss provision to assets | 0.5731% | 977 |
| Net operating income to assets | 0.6590% | 3,943 |
| Return on assets (ROA) | 0.6590% | 4,210 |
| Pretax return on assets | 0.6590% | 4,799 |
| Return on Equity (ROE) | 5.7639% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.4112% | 2,439 |
| Net charge-offs to loans | 0.3517% | 2,876 |
| Credit loss provision to net charge-offs | 232.7586% | 1,063 |
| Earnings coverage of net charge-offs (x) | 5.0043% | 3,181 |
| Efficiency ratio | 76.5217% | 2,661 |
| Assets per employee ($millions) | 4.5281% | 2,910 |
| Cash dividends to net income (ytd only)* | 6.1192% | 4,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 2,659 |
| Loan loss allowance to noncurrent loans | 168.7059% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 4,240 |
| Noncurrent loans to loans | 1.0542% | 4,098 |
| Net loans and leases to total assets | 72.8739% | 1,357 |
| Net loans and leases to deposits | 87.4754% | 1,332 |
| Net loans and leases to core deposits | 91.2784% | 1,700 |
| Total domestic deposits to total assets | 83.3079% | 4,595 |
| Equity capital to assets | 10.2545% | 3,820 |
| Core capital (leverage) ratio | 11.3634% | 1,970 |
| Tier 1 risk-based capital ratio | 12.6720% | 5,347 |
| Total risk-based capital ratio | 13.9267% | 5,285 |
| Memoranda: | ||
| Average total assets | $94,227,000 | 4,979 |
| Average earning assets | $83,979,800 | 5,016 |
| Average equity | $10,774,000 | 4,801 |
| Average total loans | $65,970,800 | 4,506 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4985% | 678 |
| Cost of funding earning assets | 0.8344% | 2,673 |
| Net interest margin | 4.6641% | 728 |
| Noninterest income to average assets | 0.7063% | 2,683 |
| Noninterest expense to average assets | 4.1287% | 795 |
| Loan and lease loss provision to assets | 0.2501% | 2,559 |
| Net operating income to assets | 0.4811% | 4,913 |
| Return on assets (ROA) | 0.4811% | 5,175 |
| Pretax return on assets | 0.4811% | 5,516 |
| Return on Equity (ROE) | 4.0817% | 5,256 |
| Retained earnings to average equity (ytd only) | 3.6698% | 4,305 |
| Net charge-offs to loans | -0.1049% | 6,867 |
| Credit loss provision to net charge-offs | -346.9388% | 6,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9531% | 1,479 |
| Assets per employee ($millions) | 3.8091% | 4,284 |
| Cash dividends to net income (ytd only)* | 10.0920% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7792% | 2,862 |
| Loan loss allowance to noncurrent loans | 91.7406% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.5384% | 3,274 |
| Noncurrent loans to loans | 1.9394% | 2,911 |
| Net loans and leases to total assets | 77.9128% | 743 |
| Net loans and leases to deposits | 89.0781% | 1,250 |
| Net loans and leases to core deposits | 93.2367% | 1,660 |
| Total domestic deposits to total assets | 87.4657% | 2,372 |
| Equity capital to assets | 11.3949% | 2,851 |
| Core capital (leverage) ratio | 11.4647% | 2,011 |
| Tier 1 risk-based capital ratio | 12.9862% | 5,264 |
| Total risk-based capital ratio | 14.2412% | 5,225 |
| Memoranda: | ||
| Average total assets | $90,615,250 | 5,114 |
| Average earning assets | $80,699,000 | 5,156 |
| Average equity | $10,681,500 | 4,870 |
| Average total loans | $62,306,250 | 4,670 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4456% | 805 |
| Cost of funding earning assets | 0.8349% | 2,909 |
| Net interest margin | 4.6108% | 806 |
| Noninterest income to average assets | 0.9340% | 1,666 |
| Noninterest expense to average assets | 4.2525% | 687 |
| Loan and lease loss provision to assets | 0.3817% | 1,713 |
| Net operating income to assets | 0.3794% | 5,305 |
| Return on assets (ROA) | 0.3794% | 5,533 |
| Pretax return on assets | 0.3794% | 5,755 |
| Return on Equity (ROE) | 3.1812% | 5,612 |
| Retained earnings to average equity (ytd only) | 3.0682% | 4,600 |
| Net charge-offs to loans | -0.1175% | 6,886 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8186% | 1,553 |
| Assets per employee ($millions) | 3.5111% | 4,955 |
| Cash dividends to net income (ytd only)* | 3.5503% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1351% | 1,921 |
| Loan loss allowance to noncurrent loans | 125.7332% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.1579% | 4,080 |
| Noncurrent loans to loans | 1.6981% | 3,349 |
| Net loans and leases to total assets | 66.7298% | 2,519 |
| Net loans and leases to deposits | 76.5183% | 2,912 |
| Net loans and leases to core deposits | 79.9898% | 3,221 |
| Total domestic deposits to total assets | 87.2077% | 2,648 |
| Equity capital to assets | 11.7506% | 2,366 |
| Core capital (leverage) ratio | 11.7370% | 1,759 |
| Tier 1 risk-based capital ratio | 15.2800% | 3,581 |
| Total risk-based capital ratio | 16.5387% | 3,541 |
| Memoranda: | ||
| Average total assets | $89,078,000 | 5,195 |
| Average earning assets | $78,815,330 | 5,245 |
| Average equity | $10,625,000 | 4,889 |
| Average total loans | $57,895,670 | 4,874 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2219% | 1,271 |
| Cost of funding earning assets | 0.8312% | 3,213 |
| Net interest margin | 4.3907% | 1,250 |
| Noninterest income to average assets | 0.4047% | 4,633 |
| Noninterest expense to average assets | 4.1104% | 817 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2092% | 5,956 |
| Return on assets (ROA) | 0.2092% | 6,100 |
| Pretax return on assets | 0.2092% | 6,180 |
| Return on Equity (ROE) | 1.7401% | 6,149 |
| Retained earnings to average equity (ytd only) | 1.7401% | 5,367 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1579% | 758 |
| Assets per employee ($millions) | 3.5752% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9961% | 2,367 |
| Loan loss allowance to noncurrent loans | 126.8320% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.9924% | 4,515 |
| Noncurrent loans to loans | 1.5738% | 3,749 |
| Net loans and leases to total assets | 61.7979% | 3,294 |
| Net loans and leases to deposits | 71.1086% | 3,568 |
| Net loans and leases to core deposits | 73.5937% | 3,948 |
| Total domestic deposits to total assets | 86.9065% | 3,009 |
| Equity capital to assets | 11.8561% | 2,142 |
| Core capital (leverage) ratio | 12.0081% | 1,582 |
| Tier 1 risk-based capital ratio | 16.4760% | 2,921 |
| Total risk-based capital ratio | 17.7322% | 2,888 |
| Memoranda: | ||
| Average total assets | $87,972,500 | 5,271 |
| Average earning assets | $78,439,000 | 5,289 |
| Average equity | $10,574,000 | 4,910 |
| Average total loans | $55,720,500 | 4,991 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5380% | 1,079 |
| Cost of funding earning assets | 0.8724% | 4,306 |
| Net interest margin | 4.6656% | 806 |
| Noninterest income to average assets | 1.8779% | 416 |
| Noninterest expense to average assets | 4.7190% | 480 |
| Loan and lease loss provision to assets | 0.7254% | 1,402 |
| Net operating income to assets | 0.6434% | 3,770 |
| Return on assets (ROA) | 0.6434% | 3,962 |
| Pretax return on assets | 0.6434% | 4,541 |
| Return on Equity (ROE) | 5.4221% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.3542% | 2,408 |
| Net charge-offs to loans | 0.3147% | 3,820 |
| Credit loss provision to net charge-offs | 321.4286% | 726 |
| Earnings coverage of net charge-offs (x) | 6.0655% | 2,606 |
| Efficiency ratio | 77.5154% | 2,660 |
| Assets per employee ($millions) | 3.4626% | 5,110 |
| Cash dividends to net income (ytd only)* | 1.2526% | 4,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0424% | 2,148 |
| Loan loss allowance to noncurrent loans | 125.2784% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 1.0374% | 4,534 |
| Noncurrent loans to loans | 1.6303% | 3,716 |
| Net loans and leases to total assets | 62.3300% | 3,532 |
| Net loans and leases to deposits | 72.0489% | 3,783 |
| Net loans and leases to core deposits | 74.1633% | 4,217 |
| Total domestic deposits to total assets | 86.5107% | 3,024 |
| Equity capital to assets | 12.1885% | 1,974 |
| Core capital (leverage) ratio | 11.9732% | 1,611 |
| Tier 1 risk-based capital ratio | 17.2396% | 2,494 |
| Total risk-based capital ratio | 18.4976% | 2,459 |
| Memoranda: | ||
| Average total assets | $74,443,600 | 5,628 |
| Average earning assets | $67,172,600 | 5,636 |
| Average equity | $8,834,200 | 5,328 |
| Average total loans | $53,390,000 | 5,132 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6405% | 960 |
| Cost of funding earning assets | 0.8573% | 4,719 |
| Net interest margin | 4.7832% | 646 |
| Noninterest income to average assets | 2.1826% | 334 |
| Noninterest expense to average assets | 5.0017% | 375 |
| Loan and lease loss provision to assets | 0.9615% | 913 |
| Net operating income to assets | 0.5526% | 4,312 |
| Return on assets (ROA) | 0.5526% | 4,487 |
| Pretax return on assets | 0.5526% | 4,964 |
| Return on Equity (ROE) | 4.6955% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.6955% | 3,380 |
| Net charge-offs to loans | 0.4204% | 3,041 |
| Credit loss provision to net charge-offs | 308.3832% | 921 |
| Earnings coverage of net charge-offs (x) | 4.8563% | 2,939 |
| Efficiency ratio | 76.7622% | 2,712 |
| Assets per employee ($millions) | 3.3298% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9690% | 2,421 |
| Loan loss allowance to noncurrent loans | 119.6739% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.1512% | 4,488 |
| Noncurrent loans to loans | 1.6453% | 3,825 |
| Net loans and leases to total assets | 68.5920% | 2,355 |
| Net loans and leases to deposits | 80.2260% | 2,622 |
| Net loans and leases to core deposits | 82.4115% | 3,264 |
| Total domestic deposits to total assets | 85.4985% | 3,496 |
| Equity capital to assets | 12.9974% | 1,615 |
| Core capital (leverage) ratio | 13.3594% | 1,095 |
| Tier 1 risk-based capital ratio | 17.4397% | 2,472 |
| Total risk-based capital ratio | 18.6966% | 2,440 |
| Memoranda: | ||
| Average total assets | $71,413,250 | 5,746 |
| Average earning assets | $64,696,750 | 5,751 |
| Average equity | $8,405,000 | 5,467 |
| Average total loans | $52,967,250 | 5,202 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7173% | 850 |
| Cost of funding earning assets | 0.8478% | 5,080 |
| Net interest margin | 4.8694% | 521 |
| Noninterest income to average assets | 2.2368% | 311 |
| Noninterest expense to average assets | 5.2028% | 313 |
| Loan and lease loss provision to assets | 1.0732% | 778 |
| Net operating income to assets | 0.3995% | 4,944 |
| Return on assets (ROA) | 0.3995% | 5,101 |
| Pretax return on assets | 0.3995% | 5,397 |
| Return on Equity (ROE) | 3.5381% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.5381% | 3,993 |
| Net charge-offs to loans | 0.4271% | 2,856 |
| Credit loss provision to net charge-offs | 331.5315% | 923 |
| Earnings coverage of net charge-offs (x) | 4.5495% | 2,830 |
| Efficiency ratio | 77.9380% | 2,723 |
| Assets per employee ($millions) | 2.9212% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9502% | 2,512 |
| Loan loss allowance to noncurrent loans | 103.2720% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.3392% | 4,222 |
| Noncurrent loans to loans | 1.8884% | 3,622 |
| Net loans and leases to total assets | 69.5327% | 2,312 |
| Net loans and leases to deposits | 79.4999% | 2,886 |
| Net loans and leases to core deposits | 81.4850% | 3,582 |
| Total domestic deposits to total assets | 87.4625% | 2,485 |
| Equity capital to assets | 10.7245% | 3,259 |
| Core capital (leverage) ratio | 11.0566% | 2,196 |
| Tier 1 risk-based capital ratio | 14.0404% | 4,147 |
| Total risk-based capital ratio | 15.2970% | 4,110 |
| Memoranda: | ||
| Average total assets | $68,579,000 | 5,869 |
| Average earning assets | $62,512,330 | 5,876 |
| Average equity | $7,744,330 | 5,687 |
| Average total loans | $51,984,000 | 5,283 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6117% | 1,033 |
| Cost of funding earning assets | 0.8552% | 5,239 |
| Net interest margin | 4.7565% | 621 |
| Noninterest income to average assets | 2.8031% | 240 |
| Noninterest expense to average assets | 5.2205% | 304 |
| Loan and lease loss provision to assets | 1.6035% | 382 |
| Net operating income to assets | 0.3376% | 5,237 |
| Return on assets (ROA) | 0.3376% | 5,314 |
| Pretax return on assets | 0.3376% | 5,540 |
| Return on Equity (ROE) | 2.9089% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.9089% | 4,414 |
| Net charge-offs to loans | 0.1459% | 3,614 |
| Credit loss provision to net charge-offs | 1,400.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 16.9474% | 1,241 |
| Efficiency ratio | 72.8956% | 3,702 |
| Assets per employee ($millions) | 2.7725% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 2,705 |
| Loan loss allowance to noncurrent loans | 98.9120% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.5194% | 3,973 |
| Noncurrent loans to loans | 1.9166% | 3,677 |
| Net loans and leases to total assets | 77.7728% | 764 |
| Net loans and leases to deposits | 90.9267% | 1,132 |
| Net loans and leases to core deposits | 93.9935% | 1,882 |
| Total domestic deposits to total assets | 85.5335% | 3,766 |
| Equity capital to assets | 11.6171% | 2,186 |
| Core capital (leverage) ratio | 11.2912% | 1,962 |
| Tier 1 risk-based capital ratio | 14.6307% | 3,656 |
| Total risk-based capital ratio | 15.8894% | 3,606 |
| Memoranda: | ||
| Average total assets | $66,354,000 | 5,980 |
| Average earning assets | $60,801,500 | 5,973 |
| Average equity | $7,700,500 | 5,708 |
| Average total loans | $52,081,500 | 5,327 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8270% | 1,205 |
| Cost of funding earning assets | 0.9562% | 5,902 |
| Net interest margin | 4.8708% | 573 |
| Noninterest income to average assets | 0.8475% | 2,069 |
| Noninterest expense to average assets | 6.3920% | 193 |
| Loan and lease loss provision to assets | 0.6260% | 2,625 |
| Net operating income to assets | -1.6108% | 6,945 |
| Return on assets (ROA) | -1.6108% | 6,966 |
| Pretax return on assets | -1.6108% | 6,897 |
| Return on Equity (ROE) | -11.7823% | 6,805 |
| Retained earnings to average equity (ytd only) | -11.7823% | 6,752 |
| Net charge-offs to loans | 0.3936% | 4,065 |
| Credit loss provision to net charge-offs | 212.4224% | 1,436 |
| Earnings coverage of net charge-offs (x) | -3.3416% | 6,748 |
| Efficiency ratio | 118.2126% | 425 |
| Assets per employee ($millions) | 2.5449% | 6,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 4,215 |
| Loan loss allowance to noncurrent loans | 79.4304% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.4327% | 4,190 |
| Noncurrent loans to loans | 1.8439% | 3,759 |
| Net loans and leases to total assets | 76.5627% | 1,168 |
| Net loans and leases to deposits | 95.0879% | 941 |
| Net loans and leases to core deposits | 98.9936% | 1,703 |
| Total domestic deposits to total assets | 80.5178% | 5,680 |
| Equity capital to assets | 11.5932% | 2,189 |
| Core capital (leverage) ratio | 12.4043% | 1,345 |
| Tier 1 risk-based capital ratio | 15.0565% | 3,208 |
| Total risk-based capital ratio | 16.3095% | 3,157 |
| Memoranda: | ||
| Average total assets | $54,631,000 | 6,383 |
| Average earning assets | $51,141,200 | 6,322 |
| Average equity | $7,468,800 | 5,886 |
| Average total loans | $40,907,000 | 5,890 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5099% | 333 |
| Cost of funding earning assets | 0.9820% | 6,025 |
| Net interest margin | 5.5279% | 164 |
| Noninterest income to average assets | 0.3092% | 5,677 |
| Noninterest expense to average assets | 6.6038% | 174 |
| Loan and lease loss provision to assets | 0.3942% | 3,533 |
| Net operating income to assets | -1.5253% | 7,114 |
| Return on assets (ROA) | -1.5253% | 7,123 |
| Pretax return on assets | -1.5253% | 7,046 |
| Return on Equity (ROE) | -10.6401% | 6,957 |
| Retained earnings to average equity (ytd only) | -10.6401% | 6,912 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.6685% | 385 |
| Assets per employee ($millions) | 2.2684% | 7,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 3,371 |
| Loan loss allowance to noncurrent loans | 72.6453% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.6922% | 3,905 |
| Noncurrent loans to loans | 2.2576% | 3,376 |
| Net loans and leases to total assets | 73.7258% | 1,854 |
| Net loans and leases to deposits | 84.4475% | 2,631 |
| Net loans and leases to core deposits | 87.4186% | 3,460 |
| Total domestic deposits to total assets | 87.3037% | 2,369 |
| Equity capital to assets | 12.1316% | 2,073 |
| Core capital (leverage) ratio | 12.2719% | 1,525 |
| Tier 1 risk-based capital ratio | 15.9941% | 2,769 |
| Total risk-based capital ratio | 17.1000% | 2,785 |
| Memoranda: | ||
| Average total assets | $51,746,750 | 6,550 |
| Average earning assets | $48,335,500 | 6,495 |
| Average equity | $7,418,250 | 5,978 |
| Average total loans | $38,280,500 | 6,081 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4195% | 393 |
| Cost of funding earning assets | 0.9736% | 6,265 |
| Net interest margin | 5.4459% | 183 |
| Noninterest income to average assets | 0.3000% | 5,752 |
| Noninterest expense to average assets | 6.7415% | 164 |
| Loan and lease loss provision to assets | 0.3162% | 3,848 |
| Net operating income to assets | -1.6783% | 7,209 |
| Return on assets (ROA) | -1.6783% | 7,221 |
| Pretax return on assets | -1.6783% | 7,137 |
| Return on Equity (ROE) | -11.0312% | 6,998 |
| Retained earnings to average equity (ytd only) | -11.0312% | 6,953 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.3203% | 353 |
| Assets per employee ($millions) | 2.3706% | 7,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7295% | 2,969 |
| Loan loss allowance to noncurrent loans | 63.6631% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.7946% | 3,762 |
| Noncurrent loans to loans | 2.7167% | 2,936 |
| Net loans and leases to total assets | 64.9155% | 4,057 |
| Net loans and leases to deposits | 76.5387% | 4,232 |
| Net loans and leases to core deposits | 79.5713% | 4,732 |
| Total domestic deposits to total assets | 84.8139% | 3,719 |
| Equity capital to assets | 12.8590% | 1,626 |
| Core capital (leverage) ratio | 13.9048% | 946 |
| Tier 1 risk-based capital ratio | 20.8404% | 1,368 |
| Total risk-based capital ratio | 22.0877% | 1,339 |
| Memoranda: | ||
| Average total assets | $49,336,330 | 6,676 |
| Average earning assets | $46,016,330 | 6,633 |
| Average equity | $7,506,000 | 5,966 |
| Average total loans | $36,305,000 | 6,231 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9357% | 1,113 |
| Cost of funding earning assets | 0.9924% | 6,411 |
| Net interest margin | 4.9432% | 470 |
| Noninterest income to average assets | 1.1502% | 940 |
| Noninterest expense to average assets | 7.1558% | 147 |
| Loan and lease loss provision to assets | 0.4741% | 2,604 |
| Net operating income to assets | -1.8877% | 7,437 |
| Return on assets (ROA) | -1.8877% | 7,438 |
| Pretax return on assets | -1.8877% | 7,380 |
| Return on Equity (ROE) | -11.3143% | 7,182 |
| Retained earnings to average equity (ytd only) | -11.3143% | 7,031 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.6177% | 394 |
| Assets per employee ($millions) | 2.0709% | 7,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7612% | 2,858 |
| Loan loss allowance to noncurrent loans | 60.7767% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 2.1625% | 3,318 |
| Noncurrent loans to loans | 2.8979% | 2,782 |
| Net loans and leases to total assets | 73.3073% | 2,126 |
| Net loans and leases to deposits | 88.7254% | 2,089 |
| Net loans and leases to core deposits | 91.0601% | 3,220 |
| Total domestic deposits to total assets | 82.6227% | 4,788 |
| Equity capital to assets | 15.7272% | 718 |
| Core capital (leverage) ratio | 16.3347% | 529 |
| Tier 1 risk-based capital ratio | 19.3335% | 1,649 |
| Total risk-based capital ratio | 20.4787% | 1,642 |
| Memoranda: | ||
| Average total assets | $45,557,500 | 6,893 |
| Average earning assets | $42,320,500 | 6,847 |
| Average equity | $7,601,000 | 5,978 |
| Average total loans | $35,666,000 | 6,328 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1793% | 1,294 |
| Cost of funding earning assets | 0.9734% | 7,253 |
| Net interest margin | 5.2059% | 288 |
| Noninterest income to average assets | 0.3954% | 5,238 |
| Noninterest expense to average assets | 8.0743% | 145 |
| Loan and lease loss provision to assets | 1.7982% | 1,257 |
| Net operating income to assets | -4.6013% | 7,688 |
| Return on assets (ROA) | -4.6013% | 7,687 |
| Pretax return on assets | -4.6013% | 7,654 |
| Return on Equity (ROE) | -21.3355% | 7,184 |
| Retained earnings to average equity (ytd only) | -21.3355% | 7,156 |
| Net charge-offs to loans | 2.0887% | 1,170 |
| Credit loss provision to net charge-offs | 111.5625% | 4,923 |
| Earnings coverage of net charge-offs (x) | -1.7391% | 6,985 |
| Efficiency ratio | 153.1773% | 293 |
| Assets per employee ($millions) | 1.8906% | 7,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 3,288 |
| Loan loss allowance to noncurrent loans | 57.6613% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.2813% | 3,030 |
| Noncurrent loans to loans | 2.7718% | 2,786 |
| Net loans and leases to total assets | 80.9884% | 838 |
| Net loans and leases to deposits | 98.8547% | 1,015 |
| Net loans and leases to core deposits | 116.5238% | 2,265 |
| Total domestic deposits to total assets | 81.9267% | 4,986 |
| Equity capital to assets | 17.7330% | 470 |
| Core capital (leverage) ratio | 18.1265% | 397 |
| Tier 1 risk-based capital ratio | 20.1853% | 1,427 |
| Total risk-based capital ratio | 21.3555% | 1,407 |
| Memoranda: | ||
| Average total assets | $39,706,200 | 7,106 |
| Average earning assets | $37,188,600 | 7,048 |
| Average equity | $8,563,200 | 5,748 |
| Average total loans | $30,641,200 | 6,593 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9630% | 2,180 |
| Cost of funding earning assets | 0.9592% | 7,466 |
| Net interest margin | 5.0038% | 435 |
| Noninterest income to average assets | 0.4093% | 5,218 |
| Noninterest expense to average assets | 8.2003% | 149 |
| Loan and lease loss provision to assets | 2.1808% | 799 |
| Net operating income to assets | -5.2525% | 7,866 |
| Return on assets (ROA) | -5.2525% | 7,863 |
| Pretax return on assets | -5.2525% | 7,838 |
| Return on Equity (ROE) | -23.1984% | 7,469 |
| Retained earnings to average equity (ytd only) | -23.1984% | 7,441 |
| Net charge-offs to loans | 2.8161% | 624 |
| Credit loss provision to net charge-offs | 102.2581% | 4,978 |
| Earnings coverage of net charge-offs (x) | -1.4403% | 6,694 |
| Efficiency ratio | 159.8927% | 271 |
| Assets per employee ($millions) | 1.9496% | 7,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 3,012 |
| Loan loss allowance to noncurrent loans | 34.4990% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 3.4668% | 1,928 |
| Noncurrent loans to loans | 4.6220% | 1,496 |
| Net loans and leases to total assets | 73.8110% | 2,586 |
| Net loans and leases to deposits | 91.2521% | 2,353 |
| Net loans and leases to core deposits | 107.6580% | 3,514 |
| Total domestic deposits to total assets | 80.8869% | 5,126 |
| Equity capital to assets | 18.6585% | 449 |
| Core capital (leverage) ratio | 18.9910% | 380 |
| Tier 1 risk-based capital ratio | 23.0064% | 1,108 |
| Total risk-based capital ratio | 24.2598% | 1,077 |
| Memoranda: | ||
| Average total assets | $38,761,750 | 7,208 |
| Average earning assets | $36,557,750 | 7,134 |
| Average equity | $8,776,250 | 5,728 |
| Average total loans | $29,354,250 | 6,716 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5305% | 4,440 |
| Cost of funding earning assets | 0.9740% | 7,592 |
| Net interest margin | 4.5565% | 1,045 |
| Noninterest income to average assets | 0.2407% | 6,561 |
| Noninterest expense to average assets | 8.2493% | 156 |
| Loan and lease loss provision to assets | 1.6584% | 1,008 |
| Net operating income to assets | -5.3872% | 7,968 |
| Return on assets (ROA) | -5.3872% | 7,960 |
| Pretax return on assets | -5.3872% | 7,910 |
| Return on Equity (ROE) | -22.2936% | 7,568 |
| Retained earnings to average equity (ytd only) | -22.2936% | 7,522 |
| Net charge-offs to loans | 0.8869% | 1,923 |
| Credit loss provision to net charge-offs | 246.0317% | 1,888 |
| Earnings coverage of net charge-offs (x) | -5.5317% | 6,469 |
| Efficiency ratio | 182.4852% | 242 |
| Assets per employee ($millions) | 1.6777% | 8,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2151% | 1,217 |
| Loan loss allowance to noncurrent loans | 34.4097% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 4.7255% | 1,172 |
| Noncurrent loans to loans | 6.4374% | 827 |
| Net loans and leases to total assets | 71.7808% | 3,282 |
| Net loans and leases to deposits | 101.1082% | 1,161 |
| Net loans and leases to core deposits | 124.2858% | 1,999 |
| Total domestic deposits to total assets | 70.9940% | 7,366 |
| Equity capital to assets | 20.2990% | 359 |
| Core capital (leverage) ratio | 21.3630% | 298 |
| Tier 1 risk-based capital ratio | 25.5484% | 895 |
| Total risk-based capital ratio | 26.8087% | 874 |
| Memoranda: | ||
| Average total assets | $37,385,000 | 7,320 |
| Average earning assets | $35,114,670 | 7,258 |
| Average equity | $9,034,000 | 5,674 |
| Average total loans | $28,415,000 | 6,824 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3140% | 5,835 |
| Cost of funding earning assets | 0.9773% | 7,707 |
| Net interest margin | 4.3367% | 1,498 |
| Noninterest income to average assets | 0.2849% | 6,156 |
| Noninterest expense to average assets | 8.5455% | 141 |
| Loan and lease loss provision to assets | 0.9457% | 1,377 |
| Net operating income to assets | -5.1615% | 8,046 |
| Return on assets (ROA) | -5.1615% | 8,038 |
| Pretax return on assets | -5.1615% | 7,998 |
| Return on Equity (ROE) | -19.4964% | 7,741 |
| Retained earnings to average equity (ytd only) | -19.4964% | 7,631 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 197.3684% | 192 |
| Assets per employee ($millions) | 2.0542% | 7,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0664% | 1,300 |
| Loan loss allowance to noncurrent loans | 52.0609% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 3.0182% | 1,871 |
| Noncurrent loans to loans | 3.9693% | 1,523 |
| Net loans and leases to total assets | 74.4672% | 2,629 |
| Net loans and leases to deposits | 113.3314% | 469 |
| Net loans and leases to core deposits | 148.1013% | 775 |
| Total domestic deposits to total assets | 65.7075% | 7,752 |
| Equity capital to assets | 24.5213% | 231 |
| Core capital (leverage) ratio | 25.7658% | 213 |
| Tier 1 risk-based capital ratio | 30.0162% | 619 |
| Total risk-based capital ratio | 30.9895% | 619 |
| Memoranda: | ||
| Average total assets | $35,106,000 | 7,442 |
| Average earning assets | $32,743,500 | 7,411 |
| Average equity | $9,294,000 | 5,605 |
| Average total loans | $27,228,000 | 6,927 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0498% | 5,301 |
| Cost of funding earning assets | 0.8866% | 8,092 |
| Net interest margin | 5.1633% | 364 |
| Noninterest income to average assets | 0.4920% | 4,666 |
| Noninterest expense to average assets | 12.5071% | 99 |
| Loan and lease loss provision to assets | 1.9892% | 606 |
| Net operating income to assets | -9.2773% | 8,248 |
| Return on assets (ROA) | -9.2773% | 8,245 |
| Pretax return on assets | -9.2773% | 8,234 |
| Return on Equity (ROE) | -20.6981% | 7,773 |
| Retained earnings to average equity (ytd only) | -20.6981% | 7,696 |
| Net charge-offs to loans | 0.3280% | 3,207 |
| Credit loss provision to net charge-offs | 829.8246% | 528 |
| Earnings coverage of net charge-offs (x) | -30.4035% | 6,960 |
| Efficiency ratio | 239.6454% | 150 |
| Assets per employee ($millions) | 1.8464% | 8,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8907% | 1,442 |
| Loan loss allowance to noncurrent loans | 50.3030% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 2.9787% | 1,546 |
| Noncurrent loans to loans | 3.7585% | 1,327 |
| Net loans and leases to total assets | 77.7530% | 2,204 |
| Net loans and leases to deposits | 110.1159% | 823 |
| Net loans and leases to core deposits | 141.9032% | 1,166 |
| Total domestic deposits to total assets | 70.6102% | 7,214 |
| Equity capital to assets | 28.6466% | 189 |
| Core capital (leverage) ratio | 29.7271% | 185 |
| Tier 1 risk-based capital ratio | 33.4646% | 495 |
| Total risk-based capital ratio | 34.7193% | 486 |
| Memoranda: | ||
| Average total assets | $23,778,400 | 7,881 |
| Average earning assets | $21,769,200 | 7,870 |
| Average equity | $10,658,000 | 5,224 |
| Average total loans | $17,376,000 | 7,499 |