Home > Bank of Feather River > Performance and Condition Ratios
Bank of Feather River, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9267% | 387 |
| Cost of funding earning assets | 0.2185% | 3,573 |
| Net interest margin | 4.7082% | 258 |
| Noninterest income to average assets | 0.3318% | 3,440 |
| Noninterest expense to average assets | 6.2081% | 120 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -1.1022% | 4,902 |
| Return on assets (ROA) | -1.1022% | 4,902 |
| Pretax return on assets | -1.4549% | 4,909 |
| Return on Equity (ROE) | -12.1685% | 4,921 |
| Retained earnings to average equity (ytd only) | -12.1685% | 4,883 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.6100% | 56 |
| Assets per employee ($millions) | 8.1316% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 80.9371% | 265 |
| Net loans and leases to deposits | 89.3811% | 687 |
| Net loans and leases to core deposits | 101.4946% | 608 |
| Total domestic deposits to total assets | 90.5528% | 535 |
| Equity capital to assets | 8.3752% | 4,301 |
| Core capital (leverage) ratio | 8.3480% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,074,000 | 3,171 |
| Average earning assets | $179,430,333 | 3,137 |
| Average equity | $17,307,000 | 3,485 |
| Average total loans | $158,727,667 | 2,610 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 435 |
| Cost of funding earning assets | 0.2342% | 3,611 |
| Net interest margin | 4.6339% | 300 |
| Noninterest income to average assets | 0.3513% | 3,335 |
| Noninterest expense to average assets | 2.4715% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5828% | 1,159 |
| Return on assets (ROA) | 1.5828% | 1,212 |
| Pretax return on assets | 2.2345% | 648 |
| Return on Equity (ROE) | 16.8203% | 876 |
| Retained earnings to average equity (ytd only) | 16.8203% | 438 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5180% | 3,953 |
| Assets per employee ($millions) | 7.8583% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 81.2566% | 265 |
| Net loans and leases to deposits | 94.6748% | 457 |
| Net loans and leases to core deposits | 107.8396% | 463 |
| Total domestic deposits to total assets | 85.8270% | 2,799 |
| Equity capital to assets | 9.2447% | 3,449 |
| Core capital (leverage) ratio | 9.7648% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,031,500 | 3,173 |
| Average earning assets | $177,645,500 | 3,140 |
| Average equity | $17,788,000 | 3,443 |
| Average total loans | $158,286,500 | 2,617 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 478 |
| Cost of funding earning assets | 0.5819% | 2,434 |
| Net interest margin | 4.4284% | 376 |
| Noninterest income to average assets | 0.3401% | 3,427 |
| Noninterest expense to average assets | 2.6030% | 2,538 |
| Loan and lease loss provision to assets | 0.1191% | 2,877 |
| Net operating income to assets | 1.2407% | 1,413 |
| Return on assets (ROA) | 1.2407% | 1,518 |
| Pretax return on assets | 1.7476% | 770 |
| Return on Equity (ROE) | 12.7641% | 1,103 |
| Retained earnings to average equity (ytd only) | 12.7641% | 254 |
| Net charge-offs to loans | -0.0043% | 4,095 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2356% | 3,693 |
| Assets per employee ($millions) | 7.5669% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 3,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 84.5957% | 147 |
| Net loans and leases to deposits | 99.3803% | 400 |
| Net loans and leases to core deposits | 114.6321% | 394 |
| Total domestic deposits to total assets | 85.1232% | 2,710 |
| Equity capital to assets | 9.5889% | 3,525 |
| Core capital (leverage) ratio | 9.5227% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,883,000 | 3,214 |
| Average earning assets | $156,557,400 | 3,201 |
| Average equity | $16,319,200 | 3,518 |
| Average total loans | $138,606,000 | 2,767 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 583 |
| Cost of funding earning assets | 0.6641% | 2,235 |
| Net interest margin | 4.3536% | 517 |
| Noninterest income to average assets | 0.3397% | 3,443 |
| Noninterest expense to average assets | 2.4882% | 2,885 |
| Loan and lease loss provision to assets | 0.2432% | 1,672 |
| Net operating income to assets | 1.1813% | 1,703 |
| Return on assets (ROA) | 1.1813% | 1,821 |
| Pretax return on assets | 1.6637% | 1,040 |
| Return on Equity (ROE) | 12.1069% | 1,340 |
| Retained earnings to average equity (ytd only) | 12.1069% | 412 |
| Net charge-offs to loans | -0.0060% | 4,092 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6132% | 3,843 |
| Assets per employee ($millions) | 7.3764% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 3,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 83.6846% | 305 |
| Net loans and leases to deposits | 102.5177% | 433 |
| Net loans and leases to core deposits | 120.1333% | 410 |
| Total domestic deposits to total assets | 81.6294% | 3,509 |
| Equity capital to assets | 9.0755% | 4,057 |
| Core capital (leverage) ratio | 9.6286% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,452,500 | 3,223 |
| Average earning assets | $153,187,250 | 3,211 |
| Average equity | $16,045,500 | 3,545 |
| Average total loans | $134,436,500 | 2,820 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0410% | 771 |
| Cost of funding earning assets | 0.7655% | 2,016 |
| Net interest margin | 4.2755% | 792 |
| Noninterest income to average assets | 0.3561% | 3,343 |
| Noninterest expense to average assets | 1.8568% | 4,472 |
| Loan and lease loss provision to assets | 0.3169% | 1,350 |
| Net operating income to assets | 1.5323% | 875 |
| Return on assets (ROA) | 1.5323% | 950 |
| Pretax return on assets | 2.1610% | 388 |
| Return on Equity (ROE) | 15.2890% | 672 |
| Retained earnings to average equity (ytd only) | 15.2890% | 209 |
| Net charge-offs to loans | -0.0094% | 4,193 |
| Credit loss provision to net charge-offs | -4,166.6667% | 4,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8363% | 4,838 |
| Assets per employee ($millions) | 6.9907% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 2,988 |
| Loan loss allowance to noncurrent loans | 4,484.2105% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 4,448 |
| Noncurrent loans to loans | 0.0248% | 4,384 |
| Net loans and leases to total assets | 83.3994% | 304 |
| Net loans and leases to deposits | 100.7752% | 504 |
| Net loans and leases to core deposits | 117.3558% | 492 |
| Total domestic deposits to total assets | 82.7578% | 3,160 |
| Equity capital to assets | 9.0720% | 4,016 |
| Core capital (leverage) ratio | 9.4252% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,800,333 | 3,273 |
| Average earning assets | $146,837,000 | 3,256 |
| Average equity | $15,815,333 | 3,566 |
| Average total loans | $127,223,333 | 2,890 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4077% | 455 |
| Cost of funding earning assets | 0.9403% | 1,686 |
| Net interest margin | 4.4673% | 546 |
| Noninterest income to average assets | 0.3923% | 3,158 |
| Noninterest expense to average assets | 2.8473% | 2,286 |
| Loan and lease loss provision to assets | 0.1372% | 2,011 |
| Net operating income to assets | 1.0945% | 1,863 |
| Return on assets (ROA) | 1.0945% | 1,960 |
| Pretax return on assets | 1.5389% | 1,210 |
| Return on Equity (ROE) | 10.3111% | 1,639 |
| Retained earnings to average equity (ytd only) | 10.3111% | 689 |
| Net charge-offs to loans | -0.0210% | 4,350 |
| Credit loss provision to net charge-offs | -833.3333% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9472% | 3,377 |
| Assets per employee ($millions) | 5.4193% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 2,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 79.2717% | 781 |
| Net loans and leases to deposits | 98.6528% | 646 |
| Net loans and leases to core deposits | 120.8565% | 443 |
| Total domestic deposits to total assets | 80.3543% | 3,789 |
| Equity capital to assets | 10.7147% | 3,119 |
| Core capital (leverage) ratio | 10.7740% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,821,500 | 3,383 |
| Average earning assets | $134,845,500 | 3,384 |
| Average equity | $15,478,500 | 3,613 |
| Average total loans | $114,190,500 | 3,024 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0119% | 224 |
| Cost of funding earning assets | 1.0850% | 1,389 |
| Net interest margin | 4.9269% | 313 |
| Noninterest income to average assets | 0.4212% | 3,169 |
| Noninterest expense to average assets | 3.0940% | 1,780 |
| Loan and lease loss provision to assets | 0.0758% | 2,480 |
| Net operating income to assets | 1.2924% | 1,722 |
| Return on assets (ROA) | 1.2924% | 1,798 |
| Pretax return on assets | 1.7856% | 975 |
| Return on Equity (ROE) | 11.8382% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.8382% | 253 |
| Net charge-offs to loans | 0.0046% | 3,510 |
| Credit loss provision to net charge-offs | 2,000.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 491.4000% | 190 |
| Efficiency ratio | 62.4369% | 3,302 |
| Assets per employee ($millions) | 5.8128% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 1,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 75.3071% | 1,535 |
| Net loans and leases to deposits | 95.2015% | 1,029 |
| Net loans and leases to core deposits | 116.8637% | 568 |
| Total domestic deposits to total assets | 79.1028% | 4,173 |
| Equity capital to assets | 10.5140% | 3,431 |
| Core capital (leverage) ratio | 10.7636% | 2,706 |
| Tier 1 risk-based capital ratio | 12.5085% | 4,064 |
| Total risk-based capital ratio | 13.7193% | 3,965 |
| Memoranda: | ||
| Average total assets | $131,998,600 | 3,539 |
| Average earning assets | $121,475,200 | 3,542 |
| Average equity | $14,411,000 | 3,695 |
| Average total loans | $108,418,600 | 3,108 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1585% | 184 |
| Cost of funding earning assets | 1.0828% | 1,417 |
| Net interest margin | 5.0757% | 247 |
| Noninterest income to average assets | 0.4186% | 3,211 |
| Noninterest expense to average assets | 3.0558% | 1,809 |
| Loan and lease loss provision to assets | 0.1036% | 1,855 |
| Net operating income to assets | 1.3658% | 1,589 |
| Return on assets (ROA) | 1.3658% | 1,655 |
| Pretax return on assets | 1.9222% | 822 |
| Return on Equity (ROE) | 12.3805% | 1,488 |
| Retained earnings to average equity (ytd only) | 12.3805% | 341 |
| Net charge-offs to loans | 0.0062% | 3,161 |
| Credit loss provision to net charge-offs | 2,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 390.7946% | 256 |
| Efficiency ratio | 60.1346% | 3,619 |
| Assets per employee ($millions) | 5.4267% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 82.5971% | 503 |
| Net loans and leases to deposits | 105.8950% | 329 |
| Net loans and leases to core deposits | 124.7559% | 397 |
| Total domestic deposits to total assets | 77.9991% | 4,346 |
| Equity capital to assets | 10.9378% | 3,153 |
| Core capital (leverage) ratio | 11.4107% | 2,291 |
| Tier 1 risk-based capital ratio | 11.9576% | 4,434 |
| Total risk-based capital ratio | 13.1494% | 4,352 |
| Memoranda: | ||
| Average total assets | $128,668,000 | 3,622 |
| Average earning assets | $118,207,000 | 3,620 |
| Average equity | $14,194,000 | 3,755 |
| Average total loans | $107,802,000 | 3,155 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2103% | 168 |
| Cost of funding earning assets | 1.0839% | 1,363 |
| Net interest margin | 5.1263% | 227 |
| Noninterest income to average assets | 0.4084% | 3,224 |
| Noninterest expense to average assets | 3.0300% | 1,917 |
| Loan and lease loss provision to assets | 0.0792% | 2,242 |
| Net operating income to assets | 1.4422% | 1,319 |
| Return on assets (ROA) | 1.4422% | 1,365 |
| Pretax return on assets | 2.0311% | 641 |
| Return on Equity (ROE) | 13.0338% | 1,228 |
| Retained earnings to average equity (ytd only) | 13.0338% | 296 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9467% | 3,875 |
| Assets per employee ($millions) | 4.9474% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 2,022 |
| Loan loss allowance to noncurrent loans | 28,060.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,798 |
| Noncurrent loans to loans | 0.0046% | 4,714 |
| Net loans and leases to total assets | 82.8837% | 490 |
| Net loans and leases to deposits | 105.2271% | 371 |
| Net loans and leases to core deposits | 125.5934% | 400 |
| Total domestic deposits to total assets | 78.7666% | 4,263 |
| Equity capital to assets | 11.2196% | 2,839 |
| Core capital (leverage) ratio | 11.2871% | 2,343 |
| Tier 1 risk-based capital ratio | 12.1197% | 4,350 |
| Total risk-based capital ratio | 13.3239% | 4,263 |
| Memoranda: | ||
| Average total assets | $126,335,000 | 3,673 |
| Average earning assets | $116,613,330 | 3,668 |
| Average equity | $13,979,000 | 3,792 |
| Average total loans | $105,901,000 | 3,196 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1617% | 168 |
| Cost of funding earning assets | 1.0632% | 1,322 |
| Net interest margin | 5.0985% | 247 |
| Noninterest income to average assets | 0.4186% | 3,063 |
| Noninterest expense to average assets | 2.8917% | 2,299 |
| Loan and lease loss provision to assets | 0.1598% | 1,056 |
| Net operating income to assets | 1.4794% | 1,155 |
| Return on assets (ROA) | 1.4794% | 1,179 |
| Pretax return on assets | 2.0865% | 541 |
| Return on Equity (ROE) | 13.4666% | 1,094 |
| Retained earnings to average equity (ytd only) | 13.4666% | 406 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2811% | 4,295 |
| Assets per employee ($millions) | 5.4879% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 1,984 |
| Loan loss allowance to noncurrent loans | 28,060.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,869 |
| Noncurrent loans to loans | 0.0047% | 4,784 |
| Net loans and leases to total assets | 82.8903% | 481 |
| Net loans and leases to deposits | 101.4359% | 534 |
| Net loans and leases to core deposits | 122.9263% | 449 |
| Total domestic deposits to total assets | 81.7170% | 3,799 |
| Equity capital to assets | 11.0790% | 2,769 |
| Core capital (leverage) ratio | 11.1850% | 2,402 |
| Tier 1 risk-based capital ratio | 11.9182% | 4,505 |
| Total risk-based capital ratio | 13.1404% | 4,425 |
| Memoranda: | ||
| Average total assets | $125,186,500 | 3,718 |
| Average earning assets | $115,876,500 | 3,715 |
| Average equity | $13,752,500 | 3,836 |
| Average total loans | $104,842,500 | 3,240 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7164% | 272 |
| Cost of funding earning assets | 0.7584% | 1,744 |
| Net interest margin | 4.9580% | 291 |
| Noninterest income to average assets | 0.3913% | 3,486 |
| Noninterest expense to average assets | 3.1650% | 1,637 |
| Loan and lease loss provision to assets | 0.0675% | 2,797 |
| Net operating income to assets | 1.3805% | 1,499 |
| Return on assets (ROA) | 1.3805% | 1,490 |
| Pretax return on assets | 1.8064% | 897 |
| Return on Equity (ROE) | 12.9432% | 1,369 |
| Retained earnings to average equity (ytd only) | 12.9432% | 240 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8117% | 3,382 |
| Assets per employee ($millions) | 5.6433% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 2,014 |
| Loan loss allowance to noncurrent loans | 3,221.4286% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,682 |
| Noncurrent loans to loans | 0.0405% | 4,572 |
| Net loans and leases to total assets | 82.4022% | 602 |
| Net loans and leases to deposits | 100.8766% | 678 |
| Net loans and leases to core deposits | 119.5601% | 561 |
| Total domestic deposits to total assets | 81.6862% | 3,724 |
| Equity capital to assets | 10.8907% | 2,800 |
| Core capital (leverage) ratio | 11.4601% | 2,136 |
| Tier 1 risk-based capital ratio | 11.9701% | 4,442 |
| Total risk-based capital ratio | 13.1954% | 4,350 |
| Memoranda: | ||
| Average total assets | $118,578,400 | 3,810 |
| Average earning assets | $111,154,200 | 3,787 |
| Average equity | $12,647,600 | 3,937 |
| Average total loans | $98,243,000 | 3,335 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6603% | 276 |
| Cost of funding earning assets | 0.7103% | 1,795 |
| Net interest margin | 4.9501% | 284 |
| Noninterest income to average assets | 0.4028% | 3,470 |
| Noninterest expense to average assets | 3.1312% | 1,687 |
| Loan and lease loss provision to assets | 0.0341% | 3,333 |
| Net operating income to assets | 1.3437% | 1,686 |
| Return on assets (ROA) | 1.3437% | 1,700 |
| Pretax return on assets | 1.9001% | 817 |
| Return on Equity (ROE) | 12.6687% | 1,554 |
| Retained earnings to average equity (ytd only) | 12.6687% | 395 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8149% | 3,541 |
| Assets per employee ($millions) | 5.5518% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,015 |
| Loan loss allowance to noncurrent loans | 1,944.7761% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 4,686 |
| Noncurrent loans to loans | 0.0677% | 4,579 |
| Net loans and leases to total assets | 83.7093% | 489 |
| Net loans and leases to deposits | 103.6392% | 570 |
| Net loans and leases to core deposits | 117.6240% | 651 |
| Total domestic deposits to total assets | 80.7699% | 3,932 |
| Equity capital to assets | 11.1761% | 2,499 |
| Core capital (leverage) ratio | 11.1969% | 2,417 |
| Tier 1 risk-based capital ratio | 12.3356% | 4,295 |
| Total risk-based capital ratio | 13.5862% | 4,186 |
| Memoranda: | ||
| Average total assets | $117,185,000 | 3,871 |
| Average earning assets | $110,379,750 | 3,836 |
| Average equity | $12,429,250 | 4,000 |
| Average total loans | $96,889,500 | 3,391 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5274% | 306 |
| Cost of funding earning assets | 0.6466% | 1,943 |
| Net interest margin | 4.8808% | 317 |
| Noninterest income to average assets | 0.4021% | 3,466 |
| Noninterest expense to average assets | 3.1555% | 1,647 |
| Loan and lease loss provision to assets | 0.0511% | 2,896 |
| Net operating income to assets | 1.2813% | 1,853 |
| Return on assets (ROA) | 1.2813% | 1,858 |
| Pretax return on assets | 1.8129% | 932 |
| Return on Equity (ROE) | 12.2986% | 1,618 |
| Retained earnings to average equity (ytd only) | 12.2986% | 475 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8649% | 3,506 |
| Assets per employee ($millions) | 5.4350% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,092 |
| Loan loss allowance to noncurrent loans | 661.4213% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 4,120 |
| Noncurrent loans to loans | 0.1989% | 4,012 |
| Net loans and leases to total assets | 85.6160% | 294 |
| Net loans and leases to deposits | 105.7841% | 449 |
| Net loans and leases to core deposits | 119.9055% | 566 |
| Total domestic deposits to total assets | 80.9347% | 4,014 |
| Equity capital to assets | 11.0405% | 2,598 |
| Core capital (leverage) ratio | 10.9146% | 2,589 |
| Tier 1 risk-based capital ratio | 12.0060% | 4,490 |
| Total risk-based capital ratio | 13.2560% | 4,367 |
| Memoranda: | ||
| Average total assets | $117,384,000 | 3,906 |
| Average earning assets | $111,047,000 | 3,856 |
| Average equity | $12,229,000 | 4,051 |
| Average total loans | $96,220,000 | 3,405 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3420% | 374 |
| Cost of funding earning assets | 0.6105% | 1,983 |
| Net interest margin | 4.7315% | 384 |
| Noninterest income to average assets | 0.4269% | 3,272 |
| Noninterest expense to average assets | 3.1561% | 1,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2369% | 1,861 |
| Return on assets (ROA) | 1.2369% | 1,873 |
| Pretax return on assets | 1.7511% | 1,001 |
| Return on Equity (ROE) | 12.2229% | 1,500 |
| Retained earnings to average equity (ytd only) | 12.2229% | 643 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3151% | 3,430 |
| Assets per employee ($millions) | 5.5181% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 2,021 |
| Loan loss allowance to noncurrent loans | 652.8205% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 4,248 |
| Noncurrent loans to loans | 0.2068% | 4,046 |
| Net loans and leases to total assets | 80.2839% | 898 |
| Net loans and leases to deposits | 96.1731% | 1,021 |
| Net loans and leases to core deposits | 111.5504% | 911 |
| Total domestic deposits to total assets | 83.4786% | 3,510 |
| Equity capital to assets | 10.5514% | 3,023 |
| Core capital (leverage) ratio | 10.3130% | 3,174 |
| Tier 1 risk-based capital ratio | 11.9991% | 4,545 |
| Total risk-based capital ratio | 13.2494% | 4,440 |
| Memoranda: | ||
| Average total assets | $119,009,000 | 3,914 |
| Average earning assets | $112,692,000 | 3,874 |
| Average equity | $12,043,000 | 4,116 |
| Average total loans | $94,820,000 | 3,450 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3949% | 313 |
| Cost of funding earning assets | 0.4754% | 2,546 |
| Net interest margin | 4.9195% | 273 |
| Noninterest income to average assets | 0.4329% | 3,416 |
| Noninterest expense to average assets | 3.0500% | 2,011 |
| Loan and lease loss provision to assets | 0.2521% | 736 |
| Net operating income to assets | 0.8829% | 2,803 |
| Return on assets (ROA) | 0.8829% | 2,827 |
| Pretax return on assets | 1.8266% | 737 |
| Return on Equity (ROE) | 8.1391% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.1391% | 717 |
| Net charge-offs to loans | 0.0059% | 3,873 |
| Credit loss provision to net charge-offs | 5,300.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 437.0000% | 196 |
| Efficiency ratio | 59.4695% | 4,346 |
| Assets per employee ($millions) | 5.8161% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 2,050 |
| Loan loss allowance to noncurrent loans | 597.6526% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 4,258 |
| Noncurrent loans to loans | 0.2234% | 4,012 |
| Net loans and leases to total assets | 77.0121% | 1,425 |
| Net loans and leases to deposits | 95.4401% | 1,134 |
| Net loans and leases to core deposits | 108.6067% | 1,092 |
| Total domestic deposits to total assets | 80.6915% | 4,192 |
| Equity capital to assets | 9.7095% | 4,021 |
| Core capital (leverage) ratio | 10.1484% | 3,245 |
| Tier 1 risk-based capital ratio | 11.4798% | 4,859 |
| Total risk-based capital ratio | 12.7295% | 4,754 |
| Memoranda: | ||
| Average total assets | $105,113,800 | 4,152 |
| Average earning assets | $100,335,200 | 4,092 |
| Average equity | $11,401,800 | 4,236 |
| Average total loans | $85,299,600 | 3,628 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3855% | 302 |
| Cost of funding earning assets | 0.4172% | 3,016 |
| Net interest margin | 4.9682% | 239 |
| Noninterest income to average assets | 0.4706% | 3,207 |
| Noninterest expense to average assets | 3.2824% | 1,390 |
| Loan and lease loss provision to assets | 0.3371% | 443 |
| Net operating income to assets | 0.9148% | 2,946 |
| Return on assets (ROA) | 0.9148% | 3,009 |
| Pretax return on assets | 1.6049% | 1,403 |
| Return on Equity (ROE) | 8.1740% | 3,033 |
| Retained earnings to average equity (ytd only) | 8.1740% | 1,152 |
| Net charge-offs to loans | 0.0064% | 3,502 |
| Credit loss provision to net charge-offs | 6,375.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 367.4709% | 253 |
| Efficiency ratio | 62.8289% | 3,747 |
| Assets per employee ($millions) | 5.2836% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 2,139 |
| Loan loss allowance to noncurrent loans | 593.4272% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 4,336 |
| Noncurrent loans to loans | 0.2267% | 4,157 |
| Net loans and leases to total assets | 83.5258% | 484 |
| Net loans and leases to deposits | 105.6570% | 432 |
| Net loans and leases to core deposits | 117.0092% | 709 |
| Total domestic deposits to total assets | 79.0537% | 4,521 |
| Equity capital to assets | 10.4565% | 3,415 |
| Core capital (leverage) ratio | 11.0047% | 2,454 |
| Tier 1 risk-based capital ratio | 11.8521% | 4,731 |
| Total risk-based capital ratio | 13.1035% | 4,601 |
| Memoranda: | ||
| Average total assets | $100,857,750 | 4,265 |
| Average earning assets | $96,504,000 | 4,195 |
| Average equity | $11,287,500 | 4,299 |
| Average total loans | $82,791,000 | 3,705 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2234% | 378 |
| Cost of funding earning assets | 0.3592% | 3,489 |
| Net interest margin | 4.8642% | 279 |
| Noninterest income to average assets | 0.5498% | 2,719 |
| Noninterest expense to average assets | 3.3295% | 1,313 |
| Loan and lease loss provision to assets | 0.2564% | 648 |
| Net operating income to assets | 0.9170% | 2,825 |
| Return on assets (ROA) | 0.9170% | 2,875 |
| Pretax return on assets | 1.6309% | 1,249 |
| Return on Equity (ROE) | 7.9945% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.9945% | 1,169 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8223% | 3,698 |
| Assets per employee ($millions) | 5.2382% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 2,483 |
| Loan loss allowance to noncurrent loans | 434.7328% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 4,070 |
| Noncurrent loans to loans | 0.2960% | 3,982 |
| Net loans and leases to total assets | 87.7871% | 157 |
| Net loans and leases to deposits | 106.9530% | 357 |
| Net loans and leases to core deposits | 118.4049% | 622 |
| Total domestic deposits to total assets | 82.0801% | 3,860 |
| Equity capital to assets | 11.4593% | 2,353 |
| Core capital (leverage) ratio | 11.8183% | 1,750 |
| Tier 1 risk-based capital ratio | 12.1151% | 4,561 |
| Total risk-based capital ratio | 13.3579% | 4,440 |
| Memoranda: | ||
| Average total assets | $97,492,000 | 4,353 |
| Average earning assets | $93,541,000 | 4,277 |
| Average equity | $11,182,670 | 4,326 |
| Average total loans | $79,074,670 | 3,811 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9785% | 544 |
| Cost of funding earning assets | 0.3516% | 3,510 |
| Net interest margin | 4.6269% | 426 |
| Noninterest income to average assets | 0.6261% | 2,290 |
| Noninterest expense to average assets | 3.3708% | 1,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9329% | 2,594 |
| Return on assets (ROA) | 0.9329% | 2,650 |
| Pretax return on assets | 1.7289% | 941 |
| Return on Equity (ROE) | 8.1290% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.1290% | 1,406 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0976% | 3,476 |
| Assets per employee ($millions) | 5.1615% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 2,419 |
| 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 | 76.9489% | 1,269 |
| Net loans and leases to deposits | 87.4143% | 1,871 |
| Net loans and leases to core deposits | 99.4177% | 1,552 |
| Total domestic deposits to total assets | 88.0278% | 1,699 |
| Equity capital to assets | 11.4042% | 2,253 |
| Core capital (leverage) ratio | 11.4677% | 1,973 |
| Tier 1 risk-based capital ratio | 14.0432% | 3,448 |
| Total risk-based capital ratio | 15.2938% | 3,365 |
| Memoranda: | ||
| Average total assets | $96,475,000 | 4,415 |
| Average earning assets | $93,281,000 | 4,328 |
| Average equity | $11,071,500 | 4,371 |
| Average total loans | $74,357,000 | 3,943 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3708% | 310 |
| Cost of funding earning assets | 0.3455% | 3,577 |
| Net interest margin | 5.0253% | 239 |
| Noninterest income to average assets | 0.7706% | 1,877 |
| Noninterest expense to average assets | 3.5278% | 1,117 |
| Loan and lease loss provision to assets | 0.2608% | 792 |
| Net operating income to assets | 1.0512% | 2,138 |
| Return on assets (ROA) | 1.0512% | 2,236 |
| Pretax return on assets | 1.8124% | 775 |
| Return on Equity (ROE) | 8.5516% | 2,644 |
| Retained earnings to average equity (ytd only) | 8.5516% | 683 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9854% | 4,106 |
| Assets per employee ($millions) | 4.9937% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 2,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 75.0667% | 1,680 |
| Net loans and leases to deposits | 85.2421% | 2,272 |
| Net loans and leases to core deposits | 97.3804% | 1,809 |
| Total domestic deposits to total assets | 88.0629% | 1,600 |
| Equity capital to assets | 11.5503% | 2,122 |
| Core capital (leverage) ratio | 11.8918% | 1,670 |
| Tier 1 risk-based capital ratio | 14.5316% | 3,185 |
| Total risk-based capital ratio | 15.7833% | 3,117 |
| Memoranda: | ||
| Average total assets | $85,521,600 | 4,624 |
| Average earning assets | $82,203,400 | 4,546 |
| Average equity | $10,512,600 | 4,490 |
| Average total loans | $68,256,600 | 4,086 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4662% | 262 |
| Cost of funding earning assets | 0.3423% | 3,631 |
| Net interest margin | 5.1239% | 202 |
| Noninterest income to average assets | 0.9233% | 1,334 |
| Noninterest expense to average assets | 3.5808% | 1,020 |
| Loan and lease loss provision to assets | 0.3574% | 444 |
| Net operating income to assets | 1.1076% | 1,960 |
| Return on assets (ROA) | 1.1076% | 2,068 |
| Pretax return on assets | 1.9042% | 701 |
| Return on Equity (ROE) | 8.8579% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.8579% | 863 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2894% | 4,335 |
| Assets per employee ($millions) | 4.7939% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 2,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 79.2258% | 1,005 |
| Net loans and leases to deposits | 90.1631% | 1,730 |
| Net loans and leases to core deposits | 102.9019% | 1,425 |
| Total domestic deposits to total assets | 87.8694% | 1,469 |
| Equity capital to assets | 11.7924% | 2,264 |
| Core capital (leverage) ratio | 12.2080% | 1,541 |
| Tier 1 risk-based capital ratio | 14.3508% | 3,366 |
| Total risk-based capital ratio | 15.6027% | 3,301 |
| Memoranda: | ||
| Average total assets | $83,181,750 | 4,701 |
| Average earning assets | $79,859,000 | 4,626 |
| Average equity | $10,401,000 | 4,554 |
| Average total loans | $67,261,250 | 4,144 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4179% | 290 |
| Cost of funding earning assets | 0.3292% | 3,802 |
| Net interest margin | 5.0887% | 216 |
| Noninterest income to average assets | 1.2266% | 751 |
| Noninterest expense to average assets | 3.5457% | 1,090 |
| Loan and lease loss provision to assets | 0.5040% | 258 |
| Net operating income to assets | 1.1943% | 1,624 |
| Return on assets (ROA) | 1.1943% | 1,714 |
| Pretax return on assets | 2.0510% | 520 |
| Return on Equity (ROE) | 9.3510% | 2,334 |
| Retained earnings to average equity (ytd only) | 9.3510% | 756 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1197% | 4,887 |
| Assets per employee ($millions) | 4.4839% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 2,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 84.6646% | 371 |
| Net loans and leases to deposits | 96.9802% | 966 |
| Net loans and leases to core deposits | 115.1115% | 674 |
| Total domestic deposits to total assets | 87.3009% | 1,756 |
| Equity capital to assets | 12.3622% | 1,861 |
| Core capital (leverage) ratio | 12.7968% | 1,234 |
| Tier 1 risk-based capital ratio | 14.0503% | 3,575 |
| Total risk-based capital ratio | 15.3017% | 3,495 |
| Memoranda: | ||
| Average total assets | $80,547,670 | 4,802 |
| Average earning assets | $77,152,000 | 4,722 |
| Average equity | $10,287,670 | 4,600 |
| Average total loans | $65,289,670 | 4,211 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3125% | 346 |
| Cost of funding earning assets | 0.3216% | 3,928 |
| Net interest margin | 4.9908% | 254 |
| Noninterest income to average assets | 1.1352% | 853 |
| Noninterest expense to average assets | 3.6204% | 990 |
| Loan and lease loss provision to assets | 0.2454% | 728 |
| Net operating income to assets | 1.1812% | 1,615 |
| Return on assets (ROA) | 1.1812% | 1,714 |
| Pretax return on assets | 2.0301% | 532 |
| Return on Equity (ROE) | 9.0896% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.0896% | 1,091 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4050% | 4,540 |
| Assets per employee ($millions) | 4.3352% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 2,924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 81.8541% | 580 |
| Net loans and leases to deposits | 94.6127% | 1,085 |
| Net loans and leases to core deposits | 104.0836% | 1,186 |
| Total domestic deposits to total assets | 86.5149% | 2,437 |
| Equity capital to assets | 13.1750% | 1,329 |
| Core capital (leverage) ratio | 12.8522% | 1,218 |
| Tier 1 risk-based capital ratio | 15.5808% | 2,870 |
| Total risk-based capital ratio | 16.8311% | 2,807 |
| Memoranda: | ||
| Average total assets | $78,224,000 | 4,895 |
| Average earning assets | $74,617,000 | 4,832 |
| Average equity | $10,165,500 | 4,637 |
| Average total loans | $61,372,500 | 4,334 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1962% | 436 |
| Cost of funding earning assets | 0.3220% | 4,005 |
| Net interest margin | 4.8742% | 314 |
| Noninterest income to average assets | 0.8723% | 1,523 |
| Noninterest expense to average assets | 3.8223% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9918% | 2,411 |
| Return on assets (ROA) | 0.9918% | 2,503 |
| Pretax return on assets | 1.6729% | 1,058 |
| Return on Equity (ROE) | 7.7122% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.7122% | 1,010 |
| Net charge-offs to loans | -0.0053% | 4,990 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5579% | 3,296 |
| Assets per employee ($millions) | 4.3563% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 2,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 72.9997% | 1,893 |
| Net loans and leases to deposits | 84.3071% | 2,328 |
| Net loans and leases to core deposits | 92.6906% | 2,159 |
| Total domestic deposits to total assets | 86.5879% | 2,331 |
| Equity capital to assets | 12.8166% | 1,451 |
| Core capital (leverage) ratio | 13.2603% | 1,058 |
| Tier 1 risk-based capital ratio | 17.1976% | 2,220 |
| Total risk-based capital ratio | 18.4496% | 2,172 |
| Memoranda: | ||
| Average total assets | $75,320,400 | 4,963 |
| Average earning assets | $71,437,200 | 4,907 |
| Average equity | $9,686,000 | 4,713 |
| Average total loans | $57,014,400 | 4,463 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2594% | 398 |
| Cost of funding earning assets | 0.3240% | 4,060 |
| Net interest margin | 4.9354% | 294 |
| Noninterest income to average assets | 0.9336% | 1,364 |
| Noninterest expense to average assets | 3.8597% | 780 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0463% | 2,234 |
| Return on assets (ROA) | 1.0463% | 2,332 |
| Pretax return on assets | 1.7599% | 973 |
| Return on Equity (ROE) | 8.1290% | 3,003 |
| Retained earnings to average equity (ytd only) | 8.1290% | 1,198 |
| Net charge-offs to loans | 0.0728% | 2,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 31.7438% | 1,445 |
| Efficiency ratio | 68.6824% | 3,421 |
| Assets per employee ($millions) | 4.0532% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 2,800 |
| Loan loss allowance to noncurrent loans | 910.8434% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 5,295 |
| Noncurrent loans to loans | 0.1491% | 5,044 |
| Net loans and leases to total assets | 75.2762% | 1,499 |
| Net loans and leases to deposits | 87.7625% | 1,936 |
| Net loans and leases to core deposits | 95.5081% | 1,933 |
| Total domestic deposits to total assets | 85.7726% | 2,655 |
| Equity capital to assets | 13.5530% | 1,206 |
| Core capital (leverage) ratio | 13.5611% | 993 |
| Tier 1 risk-based capital ratio | 18.1934% | 1,983 |
| Total risk-based capital ratio | 19.4457% | 1,947 |
| Memoranda: | ||
| Average total assets | $74,547,000 | 5,036 |
| Average earning assets | $70,780,000 | 4,979 |
| Average equity | $9,595,000 | 4,787 |
| Average total loans | $56,760,000 | 4,515 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3608% | 329 |
| Cost of funding earning assets | 0.3234% | 4,109 |
| Net interest margin | 5.0374% | 231 |
| Noninterest income to average assets | 0.7965% | 1,793 |
| Noninterest expense to average assets | 3.8334% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0309% | 2,225 |
| Return on assets (ROA) | 1.0309% | 2,342 |
| Pretax return on assets | 1.7342% | 1,014 |
| Return on Equity (ROE) | 8.1497% | 2,963 |
| Retained earnings to average equity (ytd only) | 8.1497% | 1,207 |
| Net charge-offs to loans | 0.1366% | 1,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.6923% | 1,895 |
| Efficiency ratio | 68.8517% | 3,518 |
| Assets per employee ($millions) | 4.3009% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 3,358 |
| Loan loss allowance to noncurrent loans | 218.0758% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 4,055 |
| Noncurrent loans to loans | 0.5857% | 3,700 |
| Net loans and leases to total assets | 79.0686% | 927 |
| Net loans and leases to deposits | 91.7737% | 1,399 |
| Net loans and leases to core deposits | 103.1198% | 1,259 |
| Total domestic deposits to total assets | 86.1561% | 2,605 |
| Equity capital to assets | 13.2531% | 1,277 |
| Core capital (leverage) ratio | 13.0870% | 1,137 |
| Tier 1 risk-based capital ratio | 16.9774% | 2,411 |
| Total risk-based capital ratio | 18.2295% | 2,365 |
| Memoranda: | ||
| Average total assets | $75,076,670 | 5,074 |
| Average earning assets | $71,108,670 | 5,018 |
| Average equity | $9,497,330 | 4,840 |
| Average total loans | $57,121,330 | 4,536 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 283 |
| Cost of funding earning assets | 0.3177% | 4,250 |
| Net interest margin | 5.1216% | 199 |
| Noninterest income to average assets | 0.7258% | 2,041 |
| Noninterest expense to average assets | 3.8287% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0308% | 2,121 |
| Return on assets (ROA) | 1.0308% | 2,268 |
| Pretax return on assets | 1.7303% | 991 |
| Return on Equity (ROE) | 8.3395% | 2,789 |
| Retained earnings to average equity (ytd only) | 8.3395% | 1,442 |
| Net charge-offs to loans | 0.2766% | 870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.4359% | 2,088 |
| Efficiency ratio | 68.8742% | 3,684 |
| Assets per employee ($millions) | 4.5503% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 3,275 |
| Loan loss allowance to noncurrent loans | 195.3003% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 4,042 |
| Noncurrent loans to loans | 0.6785% | 3,584 |
| Net loans and leases to total assets | 72.0109% | 1,801 |
| Net loans and leases to deposits | 82.4146% | 2,289 |
| Net loans and leases to core deposits | 99.7332% | 1,338 |
| Total domestic deposits to total assets | 87.3764% | 2,179 |
| Equity capital to assets | 12.2797% | 1,835 |
| Core capital (leverage) ratio | 12.3341% | 1,436 |
| Tier 1 risk-based capital ratio | 17.4023% | 2,337 |
| Total risk-based capital ratio | 18.6548% | 2,289 |
| Memoranda: | ||
| Average total assets | $76,057,500 | 5,108 |
| Average earning assets | $71,774,000 | 5,054 |
| Average equity | $9,401,000 | 4,895 |
| Average total loans | $56,402,500 | 4,595 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3989% | 380 |
| Cost of funding earning assets | 0.3205% | 4,577 |
| Net interest margin | 5.0784% | 264 |
| Noninterest income to average assets | 1.2738% | 748 |
| Noninterest expense to average assets | 4.0760% | 698 |
| Loan and lease loss provision to assets | 0.0878% | 2,714 |
| Net operating income to assets | 1.1244% | 1,883 |
| Return on assets (ROA) | 1.1244% | 1,942 |
| Pretax return on assets | 1.9121% | 620 |
| Return on Equity (ROE) | 8.6387% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.6387% | 788 |
| Net charge-offs to loans | 0.1267% | 2,761 |
| Credit loss provision to net charge-offs | 86.9565% | 2,707 |
| Earnings coverage of net charge-offs (x) | 19.7971% | 1,757 |
| Efficiency ratio | 67.0843% | 4,044 |
| Assets per employee ($millions) | 4.3976% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 2,974 |
| Loan loss allowance to noncurrent loans | 75.5769% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.3911% | 2,003 |
| Noncurrent loans to loans | 1.8455% | 1,547 |
| Net loans and leases to total assets | 74.3272% | 1,533 |
| Net loans and leases to deposits | 85.5785% | 2,033 |
| Net loans and leases to core deposits | 103.7201% | 1,143 |
| Total domestic deposits to total assets | 86.8526% | 2,354 |
| Equity capital to assets | 12.4438% | 1,682 |
| Core capital (leverage) ratio | 12.3457% | 1,422 |
| Tier 1 risk-based capital ratio | 16.8155% | 2,589 |
| Total risk-based capital ratio | 18.0681% | 2,538 |
| Memoranda: | ||
| Average total assets | $68,302,200 | 5,337 |
| Average earning assets | $64,587,000 | 5,265 |
| Average equity | $8,890,200 | 4,999 |
| Average total loans | $54,463,200 | 4,673 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3895% | 387 |
| Cost of funding earning assets | 0.3178% | 4,694 |
| Net interest margin | 5.0717% | 260 |
| Noninterest income to average assets | 1.3575% | 671 |
| Noninterest expense to average assets | 4.0446% | 724 |
| Loan and lease loss provision to assets | 0.2199% | 1,040 |
| Net operating income to assets | 1.1476% | 1,876 |
| Return on assets (ROA) | 1.1476% | 1,932 |
| Pretax return on assets | 1.9113% | 703 |
| Return on Equity (ROE) | 8.7096% | 2,837 |
| Retained earnings to average equity (ytd only) | 8.7096% | 1,093 |
| Net charge-offs to loans | 0.1605% | 2,199 |
| Credit loss provision to net charge-offs | 169.2308% | 1,454 |
| Earnings coverage of net charge-offs (x) | 16.4009% | 1,977 |
| Efficiency ratio | 65.4904% | 4,299 |
| Assets per employee ($millions) | 4.6091% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 3,108 |
| Loan loss allowance to noncurrent loans | 103.6991% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.0997% | 2,752 |
| Noncurrent loans to loans | 1.3628% | 2,374 |
| Net loans and leases to total assets | 79.5579% | 766 |
| Net loans and leases to deposits | 91.5603% | 1,277 |
| Net loans and leases to core deposits | 115.2833% | 538 |
| Total domestic deposits to total assets | 86.8913% | 2,377 |
| Equity capital to assets | 12.3520% | 1,798 |
| Core capital (leverage) ratio | 12.7166% | 1,294 |
| Tier 1 risk-based capital ratio | 16.3200% | 2,894 |
| Total risk-based capital ratio | 17.5741% | 2,843 |
| Memoranda: | ||
| Average total assets | $66,687,750 | 5,436 |
| Average earning assets | $63,356,250 | 5,357 |
| Average equity | $8,787,000 | 5,071 |
| Average total loans | $53,990,750 | 4,731 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1607% | 541 |
| Cost of funding earning assets | 0.3136% | 4,842 |
| Net interest margin | 4.8472% | 379 |
| Noninterest income to average assets | 1.1937% | 822 |
| Noninterest expense to average assets | 4.0973% | 677 |
| Loan and lease loss provision to assets | 0.1554% | 1,589 |
| Net operating income to assets | 0.9388% | 2,606 |
| Return on assets (ROA) | 0.9388% | 2,713 |
| Pretax return on assets | 1.5544% | 1,385 |
| Return on Equity (ROE) | 6.9588% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.9588% | 1,797 |
| Net charge-offs to loans | 0.1764% | 1,977 |
| Credit loss provision to net charge-offs | 108.6957% | 1,844 |
| Earnings coverage of net charge-offs (x) | 11.9565% | 2,099 |
| Efficiency ratio | 70.5567% | 3,561 |
| Assets per employee ($millions) | 4.0320% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 3,594 |
| Loan loss allowance to noncurrent loans | 90.3955% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 2.1096% | 1,478 |
| Noncurrent loans to loans | 1.4917% | 2,333 |
| Net loans and leases to total assets | 85.3904% | 221 |
| Net loans and leases to deposits | 98.5652% | 628 |
| Net loans and leases to core deposits | 123.3093% | 315 |
| Total domestic deposits to total assets | 86.6334% | 2,678 |
| Equity capital to assets | 12.8924% | 1,426 |
| Core capital (leverage) ratio | 13.7227% | 912 |
| Tier 1 risk-based capital ratio | 15.6978% | 3,248 |
| Total risk-based capital ratio | 16.9503% | 3,186 |
| Memoranda: | ||
| Average total assets | $64,335,330 | 5,553 |
| Average earning assets | $61,231,670 | 5,475 |
| Average equity | $8,679,670 | 5,114 |
| Average total loans | $52,150,670 | 4,826 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0253% | 685 |
| Cost of funding earning assets | 0.3031% | 5,029 |
| Net interest margin | 4.7222% | 445 |
| Noninterest income to average assets | 1.4719% | 538 |
| Noninterest expense to average assets | 4.4222% | 493 |
| Loan and lease loss provision to assets | 0.1607% | 1,511 |
| Net operating income to assets | 0.8485% | 2,903 |
| Return on assets (ROA) | 0.8485% | 2,974 |
| Pretax return on assets | 1.3948% | 1,763 |
| Return on Equity (ROE) | 6.1388% | 3,944 |
| Retained earnings to average equity (ytd only) | 6.1388% | 2,461 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9785% | 3,147 |
| Assets per employee ($millions) | 3.9311% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 2,475 |
| Loan loss allowance to noncurrent loans | 67.0752% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.9460% | 1,765 |
| Noncurrent loans to loans | 2.4741% | 1,399 |
| Net loans and leases to total assets | 77.3503% | 837 |
| Net loans and leases to deposits | 90.2214% | 1,121 |
| Net loans and leases to core deposits | 108.0005% | 675 |
| Total domestic deposits to total assets | 85.7338% | 3,502 |
| Equity capital to assets | 13.7797% | 997 |
| Core capital (leverage) ratio | 13.7997% | 889 |
| Tier 1 risk-based capital ratio | 17.4173% | 2,508 |
| Total risk-based capital ratio | 18.6739% | 2,472 |
| Memoranda: | ||
| Average total assets | $62,231,000 | 5,659 |
| Average earning assets | $59,379,000 | 5,578 |
| Average equity | $8,601,000 | 5,153 |
| Average total loans | $48,561,000 | 4,987 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4874% | 367 |
| Cost of funding earning assets | 0.3482% | 5,157 |
| Net interest margin | 5.1392% | 237 |
| Noninterest income to average assets | 1.1173% | 1,124 |
| Noninterest expense to average assets | 4.2499% | 662 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1273% | 1,842 |
| Return on assets (ROA) | 1.1273% | 1,907 |
| Pretax return on assets | 1.7060% | 935 |
| Return on Equity (ROE) | 8.2093% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.2093% | 986 |
| Net charge-offs to loans | 0.0605% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 35.1724% | 1,055 |
| Efficiency ratio | 71.3564% | 3,597 |
| Assets per employee ($millions) | 3.8478% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 2,496 |
| Loan loss allowance to noncurrent loans | 65.0327% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.9881% | 1,808 |
| Noncurrent loans to loans | 2.5687% | 1,458 |
| Net loans and leases to total assets | 76.1049% | 1,058 |
| Net loans and leases to deposits | 88.9593% | 1,354 |
| Net loans and leases to core deposits | 109.4745% | 633 |
| Total domestic deposits to total assets | 85.5502% | 3,487 |
| Equity capital to assets | 13.8634% | 944 |
| Core capital (leverage) ratio | 13.5252% | 945 |
| Tier 1 risk-based capital ratio | 17.7257% | 2,333 |
| Total risk-based capital ratio | 18.9810% | 2,308 |
| Memoranda: | ||
| Average total assets | $59,789,000 | 5,761 |
| Average earning assets | $56,292,400 | 5,694 |
| Average equity | $8,210,200 | 5,285 |
| Average total loans | $47,945,800 | 5,025 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4860% | 381 |
| Cost of funding earning assets | 0.3466% | 5,328 |
| Net interest margin | 5.1394% | 240 |
| Noninterest income to average assets | 1.2334% | 964 |
| Noninterest expense to average assets | 4.1541% | 717 |
| Loan and lease loss provision to assets | 0.0899% | 3,260 |
| Net operating income to assets | 1.2020% | 1,630 |
| Return on assets (ROA) | 1.2020% | 1,701 |
| Pretax return on assets | 1.8198% | 859 |
| Return on Equity (ROE) | 8.7750% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.7750% | 1,129 |
| Net charge-offs to loans | 0.0805% | 3,801 |
| Credit loss provision to net charge-offs | 137.9310% | 1,697 |
| Earnings coverage of net charge-offs (x) | 29.3072% | 1,255 |
| Efficiency ratio | 68.5069% | 3,993 |
| Assets per employee ($millions) | 4.1421% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 3,014 |
| Loan loss allowance to noncurrent loans | 65.5172% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.0537% | 1,963 |
| Noncurrent loans to loans | 2.4360% | 1,792 |
| Net loans and leases to total assets | 82.9621% | 295 |
| Net loans and leases to deposits | 96.5335% | 654 |
| Net loans and leases to core deposits | 124.1354% | 259 |
| Total domestic deposits to total assets | 85.9412% | 3,294 |
| Equity capital to assets | 13.5116% | 1,113 |
| Core capital (leverage) ratio | 13.6587% | 967 |
| Tier 1 risk-based capital ratio | 16.9526% | 2,729 |
| Total risk-based capital ratio | 18.2082% | 2,689 |
| Memoranda: | ||
| Average total assets | $59,345,000 | 5,836 |
| Average earning assets | $55,777,000 | 5,766 |
| Average equity | $8,129,000 | 5,357 |
| Average total loans | $48,019,750 | 5,073 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4813% | 387 |
| Cost of funding earning assets | 0.3489% | 5,415 |
| Net interest margin | 5.1324% | 238 |
| Noninterest income to average assets | 1.4551% | 747 |
| Noninterest expense to average assets | 4.0948% | 777 |
| Loan and lease loss provision to assets | 0.1369% | 2,615 |
| Net operating income to assets | 1.3626% | 1,164 |
| Return on assets (ROA) | 1.3626% | 1,248 |
| Pretax return on assets | 2.0577% | 535 |
| Return on Equity (ROE) | 9.9001% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.9001% | 870 |
| Net charge-offs to loans | 0.1246% | 3,129 |
| Credit loss provision to net charge-offs | 137.9310% | 1,649 |
| Earnings coverage of net charge-offs (x) | 22.1034% | 1,386 |
| Efficiency ratio | 65.1062% | 4,689 |
| Assets per employee ($millions) | 3.8243% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 2,907 |
| Loan loss allowance to noncurrent loans | 137.9538% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 3,782 |
| Noncurrent loans to loans | 1.2088% | 3,535 |
| Net loans and leases to total assets | 80.5668% | 482 |
| Net loans and leases to deposits | 93.9958% | 814 |
| Net loans and leases to core deposits | 122.4004% | 282 |
| Total domestic deposits to total assets | 85.7131% | 3,519 |
| Equity capital to assets | 13.4975% | 1,137 |
| Core capital (leverage) ratio | 13.7813% | 888 |
| Tier 1 risk-based capital ratio | 17.2637% | 2,609 |
| Total risk-based capital ratio | 18.5213% | 2,576 |
| Memoranda: | ||
| Average total assets | $58,416,000 | 5,900 |
| Average earning assets | $55,023,000 | 5,822 |
| Average equity | $8,040,330 | 5,416 |
| Average total loans | $46,565,670 | 5,156 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4173% | 424 |
| Cost of funding earning assets | 0.3592% | 5,453 |
| Net interest margin | 5.0582% | 264 |
| Noninterest income to average assets | 1.1573% | 1,120 |
| Noninterest expense to average assets | 4.2574% | 658 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9819% | 2,311 |
| Return on assets (ROA) | 0.9819% | 2,438 |
| Pretax return on assets | 1.6413% | 1,213 |
| Return on Equity (ROE) | 7.0609% | 3,460 |
| Retained earnings to average equity (ytd only) | 7.0609% | 2,126 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1760% | 3,578 |
| Assets per employee ($millions) | 3.8875% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7378% | 2,847 |
| Loan loss allowance to noncurrent loans | 98.8024% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.4319% | 3,116 |
| Noncurrent loans to loans | 1.7589% | 2,923 |
| Net loans and leases to total assets | 79.9976% | 424 |
| Net loans and leases to deposits | 93.3596% | 707 |
| Net loans and leases to core deposits | 119.4505% | 292 |
| Total domestic deposits to total assets | 85.6876% | 3,685 |
| Equity capital to assets | 13.7208% | 1,128 |
| Core capital (leverage) ratio | 13.9249% | 816 |
| Tier 1 risk-based capital ratio | 17.0216% | 2,737 |
| Total risk-based capital ratio | 18.2784% | 2,709 |
| Memoranda: | ||
| Average total assets | $57,029,500 | 5,994 |
| Average earning assets | $53,458,000 | 5,922 |
| Average equity | $7,931,000 | 5,504 |
| Average total loans | $44,781,500 | 5,268 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7431% | 402 |
| Cost of funding earning assets | 0.4872% | 5,305 |
| Net interest margin | 5.2559% | 247 |
| Noninterest income to average assets | 1.4565% | 739 |
| Noninterest expense to average assets | 4.4860% | 587 |
| Loan and lease loss provision to assets | 0.2773% | 2,432 |
| Net operating income to assets | 1.0018% | 2,326 |
| Return on assets (ROA) | 1.0018% | 2,551 |
| Pretax return on assets | 1.5988% | 1,395 |
| Return on Equity (ROE) | 7.1916% | 3,536 |
| Retained earnings to average equity (ytd only) | 7.1916% | 1,478 |
| Net charge-offs to loans | 0.0606% | 5,089 |
| Credit loss provision to net charge-offs | 576.9231% | 425 |
| Earnings coverage of net charge-offs (x) | 39.0385% | 818 |
| Efficiency ratio | 70.5113% | 3,708 |
| Assets per employee ($millions) | 3.4841% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9601% | 2,132 |
| Loan loss allowance to noncurrent loans | 90.2626% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.6396% | 2,944 |
| Noncurrent loans to loans | 2.1716% | 2,499 |
| Net loans and leases to total assets | 74.0215% | 1,193 |
| Net loans and leases to deposits | 86.9815% | 1,389 |
| Net loans and leases to core deposits | 103.8794% | 796 |
| Total domestic deposits to total assets | 85.1003% | 3,814 |
| Equity capital to assets | 14.1015% | 1,004 |
| Core capital (leverage) ratio | 13.5347% | 930 |
| Tier 1 risk-based capital ratio | 18.1263% | 2,213 |
| Total risk-based capital ratio | 19.3983% | 2,173 |
| Memoranda: | ||
| Average total assets | $54,102,200 | 6,084 |
| Average earning assets | $50,495,800 | 6,031 |
| Average equity | $7,536,600 | 5,626 |
| Average total loans | $42,923,200 | 5,387 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8404% | 374 |
| Cost of funding earning assets | 0.5024% | 5,419 |
| Net interest margin | 5.3380% | 224 |
| Noninterest income to average assets | 1.3981% | 765 |
| Noninterest expense to average assets | 4.4177% | 590 |
| Loan and lease loss provision to assets | 0.3725% | 1,734 |
| Net operating income to assets | 0.9337% | 2,823 |
| Return on assets (ROA) | 0.9337% | 3,041 |
| Pretax return on assets | 1.5943% | 1,595 |
| Return on Equity (ROE) | 6.7242% | 3,944 |
| Retained earnings to average equity (ytd only) | 6.7242% | 2,266 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1949% | 3,844 |
| Assets per employee ($millions) | 3.7315% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8530% | 2,635 |
| Loan loss allowance to noncurrent loans | 1,077.2152% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 6,363 |
| Noncurrent loans to loans | 0.1720% | 6,178 |
| Net loans and leases to total assets | 80.5313% | 466 |
| Net loans and leases to deposits | 94.2282% | 774 |
| Net loans and leases to core deposits | 115.2548% | 400 |
| Total domestic deposits to total assets | 85.4642% | 3,531 |
| Equity capital to assets | 13.7497% | 1,254 |
| Core capital (leverage) ratio | 13.3755% | 1,050 |
| Tier 1 risk-based capital ratio | 17.7847% | 2,427 |
| Total risk-based capital ratio | 19.0590% | 2,390 |
| Memoranda: | ||
| Average total assets | $53,691,250 | 6,167 |
| Average earning assets | $50,155,250 | 6,113 |
| Average equity | $7,455,500 | 5,709 |
| Average total loans | $43,131,750 | 5,430 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7412% | 450 |
| Cost of funding earning assets | 0.5282% | 5,437 |
| Net interest margin | 5.2130% | 279 |
| Noninterest income to average assets | 0.5592% | 3,531 |
| Noninterest expense to average assets | 4.4586% | 575 |
| Loan and lease loss provision to assets | 0.2645% | 2,464 |
| Net operating income to assets | 0.3967% | 5,217 |
| Return on assets (ROA) | 0.3967% | 5,462 |
| Pretax return on assets | 0.6839% | 4,871 |
| Return on Equity (ROE) | 2.8473% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.8473% | 4,730 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4598% | 1,820 |
| Assets per employee ($millions) | 3.9581% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 2,665 |
| Loan loss allowance to noncurrent loans | 975.9494% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 6,430 |
| Noncurrent loans to loans | 0.1907% | 6,202 |
| Net loans and leases to total assets | 73.3492% | 1,346 |
| Net loans and leases to deposits | 85.0047% | 1,720 |
| Net loans and leases to core deposits | 101.6277% | 999 |
| Total domestic deposits to total assets | 86.2884% | 3,204 |
| Equity capital to assets | 13.3994% | 1,340 |
| Core capital (leverage) ratio | 13.2068% | 1,091 |
| Tier 1 risk-based capital ratio | 18.2143% | 2,221 |
| Total risk-based capital ratio | 19.4920% | 2,186 |
| Memoranda: | ||
| Average total assets | $52,931,000 | 6,232 |
| Average earning assets | $49,223,000 | 6,188 |
| Average equity | $7,375,330 | 5,751 |
| Average total loans | $42,200,330 | 5,506 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8551% | 388 |
| Cost of funding earning assets | 0.5698% | 5,365 |
| Net interest margin | 5.2853% | 260 |
| Noninterest income to average assets | 0.5417% | 3,620 |
| Noninterest expense to average assets | 4.4496% | 573 |
| Loan and lease loss provision to assets | 0.2322% | 2,624 |
| Net operating income to assets | 0.4798% | 4,909 |
| Return on assets (ROA) | 0.4798% | 5,106 |
| Pretax return on assets | 0.8125% | 4,365 |
| Return on Equity (ROE) | 3.3739% | 5,560 |
| Retained earnings to average equity (ytd only) | 3.3739% | 4,544 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9859% | 2,078 |
| Assets per employee ($millions) | 3.7314% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 3,493 |
| Loan loss allowance to noncurrent loans | 696.1905% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 6,385 |
| Noncurrent loans to loans | 0.2385% | 6,216 |
| Net loans and leases to total assets | 82.8806% | 229 |
| Net loans and leases to deposits | 96.8569% | 487 |
| Net loans and leases to core deposits | 117.8347% | 347 |
| Total domestic deposits to total assets | 85.5702% | 3,756 |
| Equity capital to assets | 14.1293% | 975 |
| Core capital (leverage) ratio | 13.2411% | 1,044 |
| Tier 1 risk-based capital ratio | 17.2606% | 2,574 |
| Total risk-based capital ratio | 18.5310% | 2,536 |
| Memoranda: | ||
| Average total assets | $51,690,000 | 6,317 |
| Average earning assets | $48,436,000 | 6,263 |
| Average equity | $7,350,500 | 5,780 |
| Average total loans | $42,592,500 | 5,527 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2215% | 288 |
| Cost of funding earning assets | 0.7433% | 5,255 |
| Net interest margin | 5.4781% | 184 |
| Noninterest income to average assets | 1.3549% | 708 |
| Noninterest expense to average assets | 5.0752% | 365 |
| Loan and lease loss provision to assets | 0.4996% | 2,104 |
| Net operating income to assets | 2.0323% | 291 |
| Return on assets (ROA) | 2.0323% | 310 |
| Pretax return on assets | 0.9385% | 3,475 |
| Return on Equity (ROE) | 13.4853% | 1,049 |
| Retained earnings to average equity (ytd only) | 13.4853% | 197 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9198% | 2,599 |
| Assets per employee ($millions) | 3.6529% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 3,188 |
| Loan loss allowance to noncurrent loans | 311.5556% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 5,866 |
| Noncurrent loans to loans | 0.5467% | 5,623 |
| Net loans and leases to total assets | 79.1087% | 594 |
| Net loans and leases to deposits | 92.5281% | 920 |
| Net loans and leases to core deposits | 123.6310% | 304 |
| Total domestic deposits to total assets | 85.4970% | 3,596 |
| Equity capital to assets | 14.3134% | 964 |
| Core capital (leverage) ratio | 14.5776% | 698 |
| Tier 1 risk-based capital ratio | 18.5850% | 2,021 |
| Total risk-based capital ratio | 19.8433% | 1,985 |
| Memoranda: | ||
| Average total assets | $44,431,800 | 6,521 |
| Average earning assets | $41,839,000 | 6,469 |
| Average equity | $6,696,200 | 5,956 |
| Average total loans | $36,879,600 | 5,835 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2830% | 281 |
| Cost of funding earning assets | 0.7545% | 5,439 |
| Net interest margin | 5.5286% | 164 |
| Noninterest income to average assets | 1.6653% | 493 |
| Noninterest expense to average assets | 5.1362% | 328 |
| Loan and lease loss provision to assets | 0.5364% | 1,836 |
| Net operating income to assets | 1.0478% | 2,148 |
| Return on assets (ROA) | 1.0478% | 2,297 |
| Pretax return on assets | 1.2256% | 2,539 |
| Return on Equity (ROE) | 6.8497% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.8497% | 2,052 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4575% | 3,092 |
| Assets per employee ($millions) | 3.4316% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5903% | 3,714 |
| Loan loss allowance to noncurrent loans | 500.7692% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 6,389 |
| Noncurrent loans to loans | 0.3176% | 6,214 |
| Net loans and leases to total assets | 83.8520% | 232 |
| Net loans and leases to deposits | 97.8456% | 585 |
| Net loans and leases to core deposits | 138.8420% | 186 |
| Total domestic deposits to total assets | 85.6982% | 3,386 |
| Equity capital to assets | 14.0562% | 1,137 |
| Core capital (leverage) ratio | 14.1457% | 867 |
| Tier 1 risk-based capital ratio | 19.7427% | 1,749 |
| Total risk-based capital ratio | 21.0028% | 1,717 |
| Memoranda: | ||
| Average total assets | $42,754,500 | 6,637 |
| Average earning assets | $40,467,750 | 6,564 |
| Average equity | $6,540,250 | 6,045 |
| Average total loans | $35,810,000 | 5,933 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2472% | 301 |
| Cost of funding earning assets | 0.7408% | 5,731 |
| Net interest margin | 5.5065% | 177 |
| Noninterest income to average assets | 1.6101% | 504 |
| Noninterest expense to average assets | 5.4011% | 280 |
| Loan and lease loss provision to assets | 0.5465% | 1,779 |
| Net operating income to assets | 0.6977% | 3,556 |
| Return on assets (ROA) | 0.6977% | 3,671 |
| Pretax return on assets | 0.8490% | 3,833 |
| Return on Equity (ROE) | 4.4209% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.4209% | 3,380 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4688% | 2,469 |
| Assets per employee ($millions) | 3.0564% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 3,815 |
| Loan loss allowance to noncurrent loans | 172.8070% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7993% | 5,294 |
| Noncurrent loans to loans | 0.9098% | 5,144 |
| Net loans and leases to total assets | 86.4641% | 125 |
| Net loans and leases to deposits | 102.4648% | 367 |
| Net loans and leases to core deposits | 146.2083% | 159 |
| Total domestic deposits to total assets | 84.3842% | 4,177 |
| Equity capital to assets | 15.3307% | 738 |
| Core capital (leverage) ratio | 15.5494% | 568 |
| Tier 1 risk-based capital ratio | 19.9223% | 1,622 |
| Total risk-based capital ratio | 21.1795% | 1,600 |
| Memoranda: | ||
| Average total assets | $40,991,670 | 6,751 |
| Average earning assets | $38,609,000 | 6,700 |
| Average equity | $6,469,330 | 6,094 |
| Average total loans | $34,101,330 | 6,065 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9126% | 581 |
| Cost of funding earning assets | 0.7496% | 5,863 |
| Net interest margin | 5.1630% | 271 |
| Noninterest income to average assets | 0.7582% | 2,226 |
| Noninterest expense to average assets | 5.2578% | 297 |
| Loan and lease loss provision to assets | 0.2195% | 3,461 |
| Net operating income to assets | 0.1397% | 5,974 |
| Return on assets (ROA) | 0.1397% | 6,032 |
| Pretax return on assets | 0.1596% | 6,029 |
| Return on Equity (ROE) | 0.8717% | 6,170 |
| Retained earnings to average equity (ytd only) | 0.8717% | 5,479 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2743% | 1,079 |
| Assets per employee ($millions) | 3.1732% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 4,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 79.1884% | 602 |
| Net loans and leases to deposits | 94.0381% | 819 |
| Net loans and leases to core deposits | 126.0457% | 312 |
| Total domestic deposits to total assets | 84.2089% | 4,408 |
| Equity capital to assets | 15.5899% | 648 |
| Core capital (leverage) ratio | 15.8122% | 536 |
| Tier 1 risk-based capital ratio | 21.3442% | 1,334 |
| Total risk-based capital ratio | 22.5987% | 1,311 |
| Memoranda: | ||
| Average total assets | $40,092,500 | 6,830 |
| Average earning assets | $37,885,000 | 6,764 |
| Average equity | $6,424,000 | 6,122 |
| Average total loans | $32,357,500 | 6,216 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0251% | 807 |
| Cost of funding earning assets | 0.7968% | 6,582 |
| Net interest margin | 5.2283% | 274 |
| Noninterest income to average assets | 1.0858% | 1,271 |
| Noninterest expense to average assets | 5.0972% | 389 |
| Loan and lease loss provision to assets | 0.3557% | 3,990 |
| Net operating income to assets | 0.5188% | 4,007 |
| Return on assets (ROA) | 0.5188% | 4,164 |
| Pretax return on assets | 0.6338% | 4,216 |
| Return on Equity (ROE) | 3.0822% | 4,926 |
| Retained earnings to average equity (ytd only) | 3.0822% | 3,697 |
| Net charge-offs to loans | 0.0033% | 6,823 |
| Credit loss provision to net charge-offs | 13,300.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 370.0000% | 63 |
| Efficiency ratio | 83.7434% | 1,949 |
| Assets per employee ($millions) | 3.2445% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 3,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 79.7991% | 687 |
| Net loans and leases to deposits | 95.8417% | 879 |
| Net loans and leases to core deposits | 125.2934% | 402 |
| Total domestic deposits to total assets | 83.2614% | 4,689 |
| Equity capital to assets | 16.4817% | 517 |
| Core capital (leverage) ratio | 16.0811% | 500 |
| Tier 1 risk-based capital ratio | 21.1601% | 1,292 |
| Total risk-based capital ratio | 22.4164% | 1,271 |
| Memoranda: | ||
| Average total assets | $37,392,800 | 6,957 |
| Average earning assets | $35,766,800 | 6,885 |
| Average equity | $6,294,200 | 6,277 |
| Average total loans | $30,577,400 | 6,366 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8936% | 1,149 |
| Cost of funding earning assets | 0.8081% | 6,736 |
| Net interest margin | 5.0855% | 369 |
| Noninterest income to average assets | 0.9583% | 1,594 |
| Noninterest expense to average assets | 5.1628% | 331 |
| Loan and lease loss provision to assets | 0.3531% | 3,788 |
| Net operating income to assets | 0.3170% | 5,097 |
| Return on assets (ROA) | 0.3170% | 5,270 |
| Pretax return on assets | 0.3170% | 5,456 |
| Return on Equity (ROE) | 1.8732% | 5,652 |
| Retained earnings to average equity (ytd only) | 1.8732% | 5,021 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5114% | 1,410 |
| Assets per employee ($millions) | 3.4068% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 4,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 81.7593% | 523 |
| Net loans and leases to deposits | 96.9683% | 887 |
| Net loans and leases to core deposits | 127.4752% | 424 |
| Total domestic deposits to total assets | 84.3155% | 3,952 |
| Equity capital to assets | 15.4375% | 784 |
| Core capital (leverage) ratio | 15.1827% | 680 |
| Tier 1 risk-based capital ratio | 21.7059% | 1,252 |
| Total risk-based capital ratio | 22.9613% | 1,230 |
| Memoranda: | ||
| Average total assets | $37,007,500 | 7,054 |
| Average earning assets | $35,472,250 | 6,976 |
| Average equity | $6,263,500 | 6,372 |
| Average total loans | $30,334,750 | 6,459 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6575% | 1,917 |
| Cost of funding earning assets | 0.8291% | 6,820 |
| Net interest margin | 4.8284% | 626 |
| Noninterest income to average assets | 1.0919% | 1,117 |
| Noninterest expense to average assets | 5.3253% | 303 |
| Loan and lease loss provision to assets | 0.1568% | 5,330 |
| Net operating income to assets | 0.2408% | 5,404 |
| Return on assets (ROA) | 0.2408% | 5,550 |
| Pretax return on assets | 0.2408% | 5,678 |
| Return on Equity (ROE) | 1.3765% | 5,842 |
| Retained earnings to average equity (ytd only) | 1.3765% | 5,193 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0528% | 1,120 |
| Assets per employee ($millions) | 3.4031% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 5,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 78.7325% | 1,006 |
| Net loans and leases to deposits | 93.2753% | 1,368 |
| Net loans and leases to core deposits | 111.1488% | 1,088 |
| Total domestic deposits to total assets | 84.4087% | 3,912 |
| Equity capital to assets | 15.3439% | 809 |
| Core capital (leverage) ratio | 17.6085% | 390 |
| Tier 1 risk-based capital ratio | 22.4403% | 1,133 |
| Total risk-based capital ratio | 23.6937% | 1,109 |
| Memoranda: | ||
| Average total assets | $35,716,330 | 7,151 |
| Average earning assets | $34,255,330 | 7,073 |
| Average equity | $6,247,670 | 6,393 |
| Average total loans | $29,156,670 | 6,569 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7334% | 1,661 |
| Cost of funding earning assets | 0.8927% | 6,800 |
| Net interest margin | 4.8407% | 583 |
| Noninterest income to average assets | 1.3271% | 686 |
| Noninterest expense to average assets | 5.6219% | 258 |
| Loan and lease loss provision to assets | -0.0241% | 7,847 |
| Net operating income to assets | 0.3740% | 4,955 |
| Return on assets (ROA) | 0.3740% | 5,081 |
| Pretax return on assets | 0.3740% | 5,366 |
| Return on Equity (ROE) | 1.9877% | 5,766 |
| Retained earnings to average equity (ytd only) | 1.9877% | 4,942 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1414% | 1,128 |
| Assets per employee ($millions) | 2.7179% | 6,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 5,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 82.2812% | 555 |
| Net loans and leases to deposits | 102.0380% | 642 |
| Net loans and leases to core deposits | 121.9375% | 709 |
| Total domestic deposits to total assets | 80.6377% | 5,577 |
| Equity capital to assets | 19.1752% | 332 |
| Core capital (leverage) ratio | 18.3795% | 351 |
| Tier 1 risk-based capital ratio | 25.9190% | 781 |
| Total risk-based capital ratio | 27.1706% | 766 |
| Memoranda: | ||
| Average total assets | $33,156,000 | 7,335 |
| Average earning assets | $31,813,500 | 7,258 |
| Average equity | $6,238,500 | 6,434 |
| Average total loans | $27,471,500 | 6,749 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9948% | 1,895 |
| Cost of funding earning assets | 0.9658% | 7,272 |
| Net interest margin | 5.0289% | 422 |
| Noninterest income to average assets | 0.8687% | 2,083 |
| Noninterest expense to average assets | 5.4944% | 395 |
| Loan and lease loss provision to assets | 0.0838% | 6,770 |
| Net operating income to assets | -2.2151% | 7,171 |
| Return on assets (ROA) | -2.2151% | 7,170 |
| Pretax return on assets | 0.0558% | 5,308 |
| Return on Equity (ROE) | -10.7482% | 6,675 |
| Retained earnings to average equity (ytd only) | -10.7482% | 6,573 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5220% | 1,237 |
| Assets per employee ($millions) | 2.8081% | 6,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 5,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 81.3574% | 786 |
| Net loans and leases to deposits | 100.1571% | 887 |
| Net loans and leases to core deposits | 137.6670% | 887 |
| Total domestic deposits to total assets | 81.2298% | 5,254 |
| Equity capital to assets | 18.4675% | 412 |
| Core capital (leverage) ratio | 18.5900% | 361 |
| Tier 1 risk-based capital ratio | 25.8398% | 772 |
| Total risk-based capital ratio | 27.0938% | 761 |
| Memoranda: | ||
| Average total assets | $32,232,600 | 7,390 |
| Average earning assets | $30,543,200 | 7,336 |
| Average equity | $6,643,000 | 6,382 |
| Average total loans | $26,262,400 | 6,842 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0484% | 1,847 |
| Cost of funding earning assets | 0.9800% | 7,430 |
| Net interest margin | 5.0684% | 395 |
| Noninterest income to average assets | 0.8201% | 2,336 |
| Noninterest expense to average assets | 5.4225% | 384 |
| Loan and lease loss provision to assets | 0.1130% | 6,238 |
| Net operating income to assets | -2.9957% | 7,583 |
| Return on assets (ROA) | -2.9957% | 7,591 |
| Pretax return on assets | 0.0670% | 5,589 |
| Return on Equity (ROE) | -14.1470% | 7,141 |
| Retained earnings to average equity (ytd only) | -14.1470% | 7,082 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7886% | 1,227 |
| Assets per employee ($millions) | 2.8347% | 6,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 4,635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 78.8776% | 1,410 |
| Net loans and leases to deposits | 96.7615% | 1,481 |
| Net loans and leases to core deposits | 135.0123% | 1,152 |
| Total domestic deposits to total assets | 81.5175% | 4,870 |
| Equity capital to assets | 18.2885% | 486 |
| Core capital (leverage) ratio | 18.3505% | 430 |
| Tier 1 risk-based capital ratio | 27.0655% | 743 |
| Total risk-based capital ratio | 28.3185% | 724 |
| Memoranda: | ||
| Average total assets | $31,866,500 | 7,465 |
| Average earning assets | $30,068,000 | 7,411 |
| Average equity | $6,748,000 | 6,409 |
| Average total loans | $25,887,500 | 6,921 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8810% | 2,671 |
| Cost of funding earning assets | 1.0121% | 7,530 |
| Net interest margin | 4.8689% | 577 |
| Noninterest income to average assets | 0.6228% | 3,519 |
| Noninterest expense to average assets | 5.2327% | 444 |
| Loan and lease loss provision to assets | 0.2568% | 4,522 |
| Net operating income to assets | -0.1926% | 6,176 |
| Return on assets (ROA) | -0.1926% | 6,202 |
| Pretax return on assets | -0.2953% | 6,230 |
| Return on Equity (ROE) | -0.8666% | 6,056 |
| Retained earnings to average equity (ytd only) | -0.8666% | 5,445 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7417% | 1,141 |
| Assets per employee ($millions) | 3.3616% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 4,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 86.2506% | 356 |
| Net loans and leases to deposits | 117.9337% | 279 |
| Net loans and leases to core deposits | 168.6678% | 335 |
| Total domestic deposits to total assets | 73.1348% | 7,090 |
| Equity capital to assets | 20.5468% | 351 |
| Core capital (leverage) ratio | 20.7262% | 325 |
| Tier 1 risk-based capital ratio | 23.8020% | 1,060 |
| Total risk-based capital ratio | 25.0541% | 1,038 |
| Memoranda: | ||
| Average total assets | $31,150,000 | 7,558 |
| Average earning assets | $29,246,670 | 7,518 |
| Average equity | $6,923,670 | 6,395 |
| Average total loans | $25,457,330 | 6,996 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6309% | 4,171 |
| Cost of funding earning assets | 1.1689% | 7,371 |
| Net interest margin | 4.4619% | 1,207 |
| Noninterest income to average assets | 0.8557% | 2,055 |
| Noninterest expense to average assets | 5.3749% | 388 |
| Loan and lease loss provision to assets | -0.1471% | 8,211 |
| Net operating income to assets | -0.1337% | 6,462 |
| Return on assets (ROA) | -0.1337% | 6,565 |
| Pretax return on assets | -0.1872% | 6,561 |
| Return on Equity (ROE) | -0.5770% | 6,476 |
| Retained earnings to average equity (ytd only) | -0.5770% | 5,781 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6313% | 911 |
| Assets per employee ($millions) | 3.0615% | 5,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 4,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 77.5666% | 1,915 |
| Net loans and leases to deposits | 100.6357% | 1,321 |
| Net loans and leases to core deposits | 145.1794% | 896 |
| Total domestic deposits to total assets | 77.0766% | 6,258 |
| Equity capital to assets | 22.6262% | 288 |
| Core capital (leverage) ratio | 23.0612% | 278 |
| Tier 1 risk-based capital ratio | 27.9365% | 757 |
| Total risk-based capital ratio | 29.1864% | 740 |
| Memoranda: | ||
| Average total assets | $29,917,000 | 7,653 |
| Average earning assets | $28,059,500 | 7,609 |
| Average equity | $6,932,000 | 6,438 |
| Average total loans | $23,509,000 | 7,157 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2156% | 4,435 |
| Cost of funding earning assets | 2.0149% | 6,365 |
| Net interest margin | 4.2007% | 2,312 |
| Noninterest income to average assets | 0.5318% | 4,382 |
| Noninterest expense to average assets | 8.1592% | 212 |
| Loan and lease loss provision to assets | 0.6205% | 2,351 |
| Net operating income to assets | -2.5751% | 7,729 |
| Return on assets (ROA) | -2.5751% | 7,696 |
| Pretax return on assets | -4.3479% | 7,948 |
| Return on Equity (ROE) | -7.6694% | 7,106 |
| Retained earnings to average equity (ytd only) | -7.6694% | 6,856 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.1053% | 233 |
| Assets per employee ($millions) | 2.9219% | 6,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 3,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 77.4907% | 2,267 |
| Net loans and leases to deposits | 102.4803% | 1,535 |
| Net loans and leases to core deposits | 114.3766% | 3,291 |
| Total domestic deposits to total assets | 75.6152% | 6,321 |
| Equity capital to assets | 23.7414% | 295 |
| Core capital (leverage) ratio | 25.7213% | 250 |
| Tier 1 risk-based capital ratio | 27.1186% | 820 |
| Total risk-based capital ratio | 28.3685% | 799 |
| Memoranda: | ||
| Average total assets | $21,435,800 | 7,972 |
| Average earning assets | $19,901,400 | 7,945 |
| Average equity | $7,197,400 | 6,384 |
| Average total loans | $17,135,800 | 7,515 |