Home > Blue Ridge Bank > Performance and Condition Ratios
Blue Ridge Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2243% | 2,669 |
| Cost of funding earning assets | 0.5101% | 4,286 |
| Net interest margin | 4.7142% | 454 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 3.9064% | 401 |
| Loan and lease loss provision to assets | 0.1600% | 793 |
| Net operating income to assets | 0.5732% | 3,411 |
| Return on assets (ROA) | 0.5732% | 3,426 |
| Pretax return on assets | 0.6942% | 3,407 |
| Return on Equity (ROE) | 7.1400% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.1443% | 1,932 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 82.0696% | 810 |
| Assets per employee ($millions) | 3.9480% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,103 |
| Loan loss allowance to noncurrent loans | 4,483.3333% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 3,581 |
| Noncurrent loans to loans | 0.0328% | 3,537 |
| Net loans and leases to total assets | 65.2900% | 2,359 |
| Net loans and leases to deposits | 71.0848% | 2,793 |
| Net loans and leases to core deposits | 72.5398% | 3,161 |
| Total domestic deposits to total assets | 91.8500% | 320 |
| Equity capital to assets | 7.9301% | 3,631 |
| Core capital (leverage) ratio | 9.0883% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7556% | 1,322 |
| Memoranda: | ||
| Average total assets | $188,407,000 | 3,100 |
| Average earning assets | $175,639,500 | 3,081 |
| Average equity | $15,117,000 | 3,363 |
| Average total loans | $129,086,500 | 2,949 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3630% | 2,407 |
| Cost of funding earning assets | 0.5061% | 4,310 |
| Net interest margin | 4.8568% | 406 |
| Noninterest income to average assets | 0.4500% | 2,176 |
| Noninterest expense to average assets | 3.8394% | 425 |
| Loan and lease loss provision to assets | 0.1700% | 812 |
| Net operating income to assets | 0.7551% | 2,816 |
| Return on assets (ROA) | 0.7551% | 2,829 |
| Pretax return on assets | 0.9266% | 2,732 |
| Return on Equity (ROE) | 9.0400% | 2,455 |
| Retained earnings to average equity (ytd only) | 7.6480% | 1,229 |
| Net charge-offs to loans | 0.0343% | 1,884 |
| Credit loss provision to net charge-offs | 697.6744% | 499 |
| Earnings coverage of net charge-offs (x) | 44.6744% | 1,276 |
| Efficiency ratio | 77.7611% | 1,224 |
| Assets per employee ($millions) | 3.7421% | 4,158 |
| Cash dividends to net income (ytd only)* | 15.4428% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 1,328 |
| Loan loss allowance to noncurrent loans | 4,522.5000% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 3,561 |
| Noncurrent loans to loans | 0.0308% | 3,521 |
| Net loans and leases to total assets | 69.9000% | 1,901 |
| Net loans and leases to deposits | 76.3025% | 2,428 |
| Net loans and leases to core deposits | 77.9962% | 2,909 |
| Total domestic deposits to total assets | 91.6200% | 370 |
| Equity capital to assets | 8.1222% | 3,433 |
| Core capital (leverage) ratio | 9.2802% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5389% | 1,382 |
| Memoranda: | ||
| Average total assets | $174,950,000 | 3,164 |
| Average earning assets | $161,813,000 | 3,155 |
| Average equity | $14,605,200 | 3,364 |
| Average total loans | $125,486,800 | 2,948 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3555% | 2,358 |
| Cost of funding earning assets | 0.5030% | 4,342 |
| Net interest margin | 4.8525% | 407 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 3.7466% | 448 |
| Loan and lease loss provision to assets | 0.1700% | 713 |
| Net operating income to assets | 0.8416% | 2,550 |
| Return on assets (ROA) | 0.8416% | 2,575 |
| Pretax return on assets | 1.0375% | 2,420 |
| Return on Equity (ROE) | 10.0100% | 2,200 |
| Retained earnings to average equity (ytd only) | 10.0090% | 856 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 75.5718% | 1,431 |
| Assets per employee ($millions) | 3.8204% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 1,421 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 72.4400% | 1,551 |
| Net loans and leases to deposits | 79.7232% | 2,213 |
| Net loans and leases to core deposits | 81.7768% | 2,701 |
| Total domestic deposits to total assets | 90.8600% | 383 |
| Equity capital to assets | 8.8080% | 3,172 |
| Core capital (leverage) ratio | 9.5941% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9801% | 1,305 |
| Memoranda: | ||
| Average total assets | $172,847,000 | 3,179 |
| Average earning assets | $159,831,000 | 3,178 |
| Average equity | $14,533,250 | 3,367 |
| Average total loans | $124,361,500 | 2,956 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2983% | 2,360 |
| Cost of funding earning assets | 0.4972% | 4,349 |
| Net interest margin | 4.8011% | 421 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 3.8410% | 415 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 0.6912% | 2,955 |
| Return on assets (ROA) | 0.6912% | 2,980 |
| Pretax return on assets | 0.8401% | 2,900 |
| Return on Equity (ROE) | 8.3600% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.3556% | 1,266 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 79.1038% | 1,203 |
| Assets per employee ($millions) | 4.2704% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 1,549 |
| Loan loss allowance to noncurrent loans | 24,300.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,785 |
| Noncurrent loans to loans | 0.0055% | 3,746 |
| Net loans and leases to total assets | 71.0900% | 1,769 |
| Net loans and leases to deposits | 77.7980% | 2,403 |
| Net loans and leases to core deposits | 79.7920% | 2,820 |
| Total domestic deposits to total assets | 91.3700% | 374 |
| Equity capital to assets | 8.3365% | 3,206 |
| Core capital (leverage) ratio | 9.4607% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3544% | 1,427 |
| Memoranda: | ||
| Average total assets | $171,883,333 | 3,196 |
| Average earning assets | $158,088,333 | 3,196 |
| Average equity | $14,218,000 | 3,374 |
| Average total loans | $122,789,333 | 2,963 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 2,432 |
| Cost of funding earning assets | 0.4968% | 4,362 |
| Net interest margin | 4.6888% | 469 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 3.7702% | 434 |
| Loan and lease loss provision to assets | 0.1800% | 570 |
| Net operating income to assets | 0.6295% | 3,071 |
| Return on assets (ROA) | 0.6295% | 3,095 |
| Pretax return on assets | 0.7587% | 3,021 |
| Return on Equity (ROE) | 7.6400% | 2,799 |
| Retained earnings to average equity (ytd only) | 7.6413% | 1,652 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 80.1298% | 1,201 |
| Assets per employee ($millions) | 3.8177% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 1,635 |
| Loan loss allowance to noncurrent loans | 4,927.2727% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 3,627 |
| Noncurrent loans to loans | 0.0271% | 3,587 |
| Net loans and leases to total assets | 70.0500% | 1,801 |
| Net loans and leases to deposits | 76.5319% | 2,382 |
| Net loans and leases to core deposits | 78.5460% | 2,829 |
| Total domestic deposits to total assets | 91.5300% | 418 |
| Equity capital to assets | 8.2219% | 3,222 |
| Core capital (leverage) ratio | 9.4594% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6522% | 1,655 |
| Memoranda: | ||
| Average total assets | $170,282,000 | 3,209 |
| Average earning assets | $156,203,500 | 3,223 |
| Average equity | $14,029,000 | 3,401 |
| Average total loans | $121,102,500 | 2,980 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 2,336 |
| Cost of funding earning assets | 0.2508% | 4,413 |
| Net interest margin | 4.6230% | 511 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 3.7305% | 449 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.6706% | 3,263 |
| Return on assets (ROA) | 0.6706% | 3,246 |
| Pretax return on assets | 0.8062% | 3,200 |
| Return on Equity (ROE) | 8.4600% | 2,901 |
| Retained earnings to average equity (ytd only) | 6.9122% | 1,916 |
| Net charge-offs to loans | -0.0053% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.6881% | 1,014 |
| Assets per employee ($millions) | 4.0182% | 4,159 |
| Cash dividends to net income (ytd only)* | 18.2632% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 1,817 |
| Loan loss allowance to noncurrent loans | 4,308.3333% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 3,589 |
| Noncurrent loans to loans | 0.0299% | 3,524 |
| Net loans and leases to total assets | 70.3300% | 1,773 |
| Net loans and leases to deposits | 76.9221% | 2,362 |
| Net loans and leases to core deposits | 78.5143% | 2,797 |
| Total domestic deposits to total assets | 91.4300% | 404 |
| Equity capital to assets | 8.2558% | 3,239 |
| Core capital (leverage) ratio | 9.4828% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7082% | 1,627 |
| Memoranda: | ||
| Average total assets | $166,574,600 | 3,217 |
| Average earning assets | $153,884,000 | 3,217 |
| Average equity | $13,208,600 | 3,409 |
| Average total loans | $114,086,400 | 3,003 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7908% | 2,288 |
| Cost of funding earning assets | 0.1798% | 4,458 |
| Net interest margin | 4.6110% | 517 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 3.6266% | 484 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.7814% | 3,082 |
| Return on assets (ROA) | 0.7814% | 3,071 |
| Pretax return on assets | 0.9492% | 2,980 |
| Return on Equity (ROE) | 9.9600% | 2,647 |
| Retained earnings to average equity (ytd only) | 9.9582% | 1,417 |
| Net charge-offs to loans | -0.0083% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.2451% | 1,152 |
| Assets per employee ($millions) | 3.9422% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,186 |
| Loan loss allowance to noncurrent loans | 3,592.5000% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 3,566 |
| Noncurrent loans to loans | 0.0344% | 3,520 |
| Net loans and leases to total assets | 71.0200% | 1,696 |
| Net loans and leases to deposits | 77.4240% | 2,293 |
| Net loans and leases to core deposits | 78.3205% | 2,725 |
| Total domestic deposits to total assets | 91.7300% | 508 |
| Equity capital to assets | 7.8767% | 3,133 |
| Core capital (leverage) ratio | 9.8375% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0610% | 1,543 |
| Memoranda: | ||
| Average total assets | $166,026,750 | 3,234 |
| Average earning assets | $154,207,250 | 3,223 |
| Average equity | $13,027,500 | 3,417 |
| Average total loans | $112,547,750 | 3,031 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 2,168 |
| Cost of funding earning assets | 0.1154% | 4,504 |
| Net interest margin | 4.6032% | 525 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 3.5285% | 524 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.8406% | 2,954 |
| Return on assets (ROA) | 0.8406% | 2,964 |
| Pretax return on assets | 1.0281% | 2,835 |
| Return on Equity (ROE) | 10.7300% | 2,494 |
| Retained earnings to average equity (ytd only) | 10.7265% | 1,243 |
| Net charge-offs to loans | 0.0090% | 1,868 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 202.2000% | 600 |
| Efficiency ratio | 74.5083% | 1,301 |
| Assets per employee ($millions) | 3.8957% | 4,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 2,480 |
| Loan loss allowance to noncurrent loans | 2,142.8571% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 3,380 |
| Noncurrent loans to loans | 0.0557% | 3,299 |
| Net loans and leases to total assets | 70.0200% | 1,740 |
| Net loans and leases to deposits | 76.7627% | 2,235 |
| Net loans and leases to core deposits | 77.5397% | 2,654 |
| Total domestic deposits to total assets | 91.2100% | 584 |
| Equity capital to assets | 8.4477% | 2,903 |
| Core capital (leverage) ratio | 9.5161% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9262% | 1,596 |
| Memoranda: | ||
| Average total assets | $167,492,667 | 3,229 |
| Average earning assets | $155,978,667 | 3,221 |
| Average equity | $13,126,333 | 3,425 |
| Average total loans | $111,323,000 | 3,042 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 1,784 |
| Cost of funding earning assets | 0.0551% | 4,571 |
| Net interest margin | 4.6719% | 466 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 3.3797% | 618 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 0.9640% | 2,644 |
| Return on assets (ROA) | 0.9640% | 2,605 |
| Pretax return on assets | 1.1904% | 2,450 |
| Return on Equity (ROE) | 12.7600% | 2,032 |
| Retained earnings to average equity (ytd only) | 12.7637% | 1,130 |
| Net charge-offs to loans | 0.0181% | 1,325 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 720 |
| Efficiency ratio | 71.2248% | 1,609 |
| Assets per employee ($millions) | 4.0805% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 2,894 |
| Loan loss allowance to noncurrent loans | 1,875.0000% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 3,378 |
| Noncurrent loans to loans | 0.0604% | 3,305 |
| Net loans and leases to total assets | 66.5600% | 2,002 |
| Net loans and leases to deposits | 72.5244% | 2,425 |
| Net loans and leases to core deposits | 73.0832% | 2,746 |
| Total domestic deposits to total assets | 91.7700% | 577 |
| Equity capital to assets | 7.9552% | 3,269 |
| Core capital (leverage) ratio | 8.7273% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4708% | 1,800 |
| Memoranda: | ||
| Average total assets | $171,377,000 | 3,249 |
| Average earning assets | $159,592,500 | 3,239 |
| Average equity | $12,943,000 | 3,480 |
| Average total loans | $110,392,500 | 3,094 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4953% | 3,087 |
| Cost of funding earning assets | 0.0208% | 4,623 |
| Net interest margin | 3.4745% | 2,013 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.9573% | 1,029 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 0.4557% | 4,158 |
| Return on assets (ROA) | 0.4586% | 4,115 |
| Pretax return on assets | 0.5287% | 4,134 |
| Return on Equity (ROE) | 6.5400% | 3,724 |
| Retained earnings to average equity (ytd only) | 4.9611% | 3,072 |
| Net charge-offs to loans | 0.2758% | 280 |
| Credit loss provision to net charge-offs | 149.2537% | 1,302 |
| Earnings coverage of net charge-offs (x) | 5.1007% | 2,389 |
| Efficiency ratio | 79.9266% | 720 |
| Assets per employee ($millions) | 4.4988% | 4,040 |
| Cash dividends to net income (ytd only)* | 24.1706% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 2,827 |
| Loan loss allowance to noncurrent loans | 753.1250% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 2,911 |
| Noncurrent loans to loans | 0.1479% | 2,766 |
| Net loans and leases to total assets | 60.9600% | 2,556 |
| Net loans and leases to deposits | 65.8961% | 2,898 |
| Net loans and leases to core deposits | 66.3820% | 3,106 |
| Total domestic deposits to total assets | 92.5100% | 518 |
| Equity capital to assets | 7.1682% | 3,571 |
| Core capital (leverage) ratio | 8.1380% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0792% | 1,947 |
| Memoranda: | ||
| Average total assets | $184,052,400 | 3,154 |
| Average earning assets | $172,858,800 | 3,124 |
| Average equity | $12,900,400 | 3,582 |
| Average total loans | $97,171,000 | 3,191 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1884% | 3,463 |
| Cost of funding earning assets | 0.0213% | 4,660 |
| Net interest margin | 3.1671% | 2,723 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.8055% | 1,243 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.4237% | 4,200 |
| Return on assets (ROA) | 0.4275% | 4,139 |
| Pretax return on assets | 0.4934% | 4,162 |
| Return on Equity (ROE) | 6.1300% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.1318% | 2,707 |
| Net charge-offs to loans | 0.3784% | 166 |
| Credit loss provision to net charge-offs | 65.2985% | 1,469 |
| Earnings coverage of net charge-offs (x) | 3.2015% | 2,214 |
| Efficiency ratio | 82.0352% | 648 |
| Assets per employee ($millions) | 4.7092% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 3,706 |
| Loan loss allowance to noncurrent loans | 115.0235% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 1,196 |
| Noncurrent loans to loans | 0.8216% | 967 |
| Net loans and leases to total assets | 54.5300% | 3,045 |
| Net loans and leases to deposits | 58.3070% | 3,316 |
| Net loans and leases to core deposits | 59.4063% | 3,426 |
| Total domestic deposits to total assets | 93.5300% | 452 |
| Equity capital to assets | 6.3397% | 3,826 |
| Core capital (leverage) ratio | 7.7487% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6867% | 2,177 |
| Memoranda: | ||
| Average total assets | $186,201,750 | 3,160 |
| Average earning assets | $175,211,750 | 3,130 |
| Average equity | $12,981,250 | 3,615 |
| Average total loans | $94,424,000 | 3,243 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9036% | 3,768 |
| Cost of funding earning assets | 0.0206% | 4,717 |
| Net interest margin | 2.8831% | 3,212 |
| Noninterest income to average assets | 0.4087% | 2,702 |
| Noninterest expense to average assets | 2.6946% | 1,403 |
| Loan and lease loss provision to assets | 0.0270% | 2,112 |
| Net operating income to assets | 0.3704% | 4,167 |
| Return on assets (ROA) | 0.3763% | 4,113 |
| Pretax return on assets | 0.4141% | 4,137 |
| Return on Equity (ROE) | 5.2372% | 3,770 |
| Retained earnings to average equity (ytd only) | 5.2372% | 2,618 |
| Net charge-offs to loans | 0.5781% | 114 |
| Credit loss provision to net charge-offs | 9.4697% | 1,634 |
| Earnings coverage of net charge-offs (x) | 1.5265% | 2,068 |
| Efficiency ratio | 86.1130% | 575 |
| Assets per employee ($millions) | 4.9424% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 4,070 |
| Loan loss allowance to noncurrent loans | 80.5019% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7007% | 770 |
| Noncurrent loans to loans | 1.0658% | 777 |
| Net loans and leases to total assets | 51.3111% | 3,234 |
| Net loans and leases to deposits | 54.9678% | 3,467 |
| Net loans and leases to core deposits | 56.0103% | 3,562 |
| Total domestic deposits to total assets | 93.3476% | 423 |
| Equity capital to assets | 6.5773% | 3,985 |
| Core capital (leverage) ratio | 7.6283% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7068% | 2,203 |
| Memoranda: | ||
| Average total assets | $185,479,333 | 3,196 |
| Average earning assets | $175,021,667 | 3,171 |
| Average equity | $13,327,667 | 3,651 |
| Average total loans | $91,331,000 | 3,307 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7237% | 3,894 |
| Cost of funding earning assets | 0.0230% | 4,728 |
| Net interest margin | 2.7007% | 3,396 |
| Noninterest income to average assets | 0.3972% | 2,709 |
| Noninterest expense to average assets | 2.5695% | 1,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3559% | 4,044 |
| Return on assets (ROA) | 0.3559% | 4,009 |
| Pretax return on assets | 0.3798% | 4,069 |
| Return on Equity (ROE) | 4.7485% | 3,685 |
| Retained earnings to average equity (ytd only) | 4.7485% | 2,682 |
| Net charge-offs to loans | 0.2036% | 302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.8889% | 1,644 |
| Efficiency ratio | 87.1229% | 675 |
| Assets per employee ($millions) | 5.0610% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 3,199 |
| Loan loss allowance to noncurrent loans | 154.1229% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 1,681 |
| Noncurrent loans to loans | 0.7332% | 1,299 |
| Net loans and leases to total assets | 48.0294% | 3,383 |
| Net loans and leases to deposits | 51.7105% | 3,587 |
| Net loans and leases to core deposits | 53.0170% | 3,660 |
| Total domestic deposits to total assets | 92.8814% | 307 |
| Equity capital to assets | 7.0609% | 4,183 |
| Core capital (leverage) ratio | 7.6168% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2883% | 2,082 |
| Memoranda: | ||
| Average total assets | $184,312,500 | 3,210 |
| Average earning assets | $174,175,000 | 3,192 |
| Average equity | $13,815,000 | 3,676 |
| Average total loans | $88,395,000 | 3,355 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7813% | 4,230 |
| Cost of funding earning assets | 0.0501% | 4,688 |
| Net interest margin | 2.7312% | 3,814 |
| Noninterest income to average assets | 0.4212% | 2,936 |
| Noninterest expense to average assets | 2.6163% | 1,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3557% | 4,336 |
| Return on assets (ROA) | 0.3557% | 4,365 |
| Pretax return on assets | 0.3844% | 4,414 |
| Return on Equity (ROE) | 4.2869% | 4,157 |
| Retained earnings to average equity (ytd only) | 2.8509% | 3,707 |
| Net charge-offs to loans | 0.0270% | 1,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 29.9091% | 1,609 |
| Efficiency ratio | 87.1910% | 420 |
| Assets per employee ($millions) | 5.8506% | 2,904 |
| Cash dividends to net income (ytd only)* | 33.4975% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,625 |
| Loan loss allowance to noncurrent loans | 146.3847% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 1,616 |
| Noncurrent loans to loans | 0.8541% | 1,188 |
| Net loans and leases to total assets | 46.7285% | 3,630 |
| Net loans and leases to deposits | 50.9416% | 3,808 |
| Net loans and leases to core deposits | 52.3756% | 3,866 |
| Total domestic deposits to total assets | 91.7296% | 260 |
| Equity capital to assets | 7.9440% | 4,392 |
| Core capital (leverage) ratio | 7.6837% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9374% | 1,871 |
| Memoranda: | ||
| Average total assets | $171,194,800 | 3,290 |
| Average earning assets | $161,687,400 | 3,259 |
| Average equity | $14,206,200 | 3,720 |
| Average total loans | $81,621,400 | 3,447 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8013% | 4,298 |
| Cost of funding earning assets | 0.0587% | 4,740 |
| Net interest margin | 2.7426% | 3,896 |
| Noninterest income to average assets | 0.4198% | 2,982 |
| Noninterest expense to average assets | 2.6271% | 1,763 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3629% | 4,428 |
| Return on assets (ROA) | 0.3629% | 4,459 |
| Pretax return on assets | 0.3795% | 4,516 |
| Return on Equity (ROE) | 4.3232% | 4,254 |
| Retained earnings to average equity (ytd only) | 4.3232% | 3,470 |
| Net charge-offs to loans | 0.0612% | 1,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 12.9730% | 1,937 |
| Efficiency ratio | 87.3784% | 382 |
| Assets per employee ($millions) | 5.2874% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 2,952 |
| Loan loss allowance to noncurrent loans | 85.9464% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 1,055 |
| Noncurrent loans to loans | 1.4059% | 759 |
| Net loans and leases to total assets | 49.5756% | 3,461 |
| Net loans and leases to deposits | 54.2411% | 3,721 |
| Net loans and leases to core deposits | 55.7420% | 3,794 |
| Total domestic deposits to total assets | 91.3986% | 259 |
| Equity capital to assets | 8.2999% | 4,348 |
| Core capital (leverage) ratio | 7.9728% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1661% | 1,911 |
| Memoranda: | ||
| Average total assets | $168,651,250 | 3,349 |
| Average earning assets | $159,067,500 | 3,316 |
| Average equity | $14,155,750 | 3,772 |
| Average total loans | $80,570,750 | 3,516 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7621% | 4,398 |
| Cost of funding earning assets | 0.0726% | 4,728 |
| Net interest margin | 2.6895% | 4,001 |
| Noninterest income to average assets | 0.4043% | 3,095 |
| Noninterest expense to average assets | 2.6466% | 1,738 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2831% | 4,544 |
| Return on assets (ROA) | 0.2831% | 4,563 |
| Pretax return on assets | 0.2903% | 4,594 |
| Return on Equity (ROE) | 3.3601% | 4,421 |
| Retained earnings to average equity (ytd only) | 3.3601% | 3,731 |
| Net charge-offs to loans | 0.0869% | 811 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 7.1176% | 1,930 |
| Efficiency ratio | 90.1144% | 342 |
| Assets per employee ($millions) | 4.8242% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 2,432 |
| Loan loss allowance to noncurrent loans | 76.7341% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.8197% | 973 |
| Noncurrent loans to loans | 1.6950% | 627 |
| Net loans and leases to total assets | 47.7287% | 3,755 |
| Net loans and leases to deposits | 52.3322% | 3,972 |
| Net loans and leases to core deposits | 53.8352% | 4,031 |
| Total domestic deposits to total assets | 91.2032% | 306 |
| Equity capital to assets | 8.4539% | 4,239 |
| Core capital (leverage) ratio | 8.0227% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,707,333 | 3,369 |
| Average earning assets | $156,982,000 | 3,340 |
| Average equity | $14,047,000 | 3,783 |
| Average total loans | $78,241,333 | 3,576 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5736% | 4,592 |
| Cost of funding earning assets | 0.0900% | 4,705 |
| Net interest margin | 2.4836% | 4,319 |
| Noninterest income to average assets | 0.3864% | 3,170 |
| Noninterest expense to average assets | 2.6564% | 1,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0604% | 4,747 |
| Return on assets (ROA) | 0.0604% | 4,756 |
| Pretax return on assets | 0.0628% | 4,752 |
| Return on Equity (ROE) | 0.7177% | 4,730 |
| Retained earnings to average equity (ytd only) | 0.7177% | 4,265 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6909% | 222 |
| Assets per employee ($millions) | 4.8675% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 1,976 |
| Loan loss allowance to noncurrent loans | 84.7523% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.7584% | 1,203 |
| Noncurrent loans to loans | 1.6469% | 735 |
| Net loans and leases to total assets | 45.4051% | 4,009 |
| Net loans and leases to deposits | 49.6323% | 4,182 |
| Net loans and leases to core deposits | 51.3448% | 4,224 |
| Total domestic deposits to total assets | 91.4829% | 247 |
| Equity capital to assets | 8.1713% | 4,380 |
| Core capital (leverage) ratio | 8.2622% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,638,000 | 3,380 |
| Average earning assets | $155,578,500 | 3,356 |
| Average equity | $13,933,500 | 3,800 |
| Average total loans | $76,537,000 | 3,622 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1663% | 4,492 |
| Cost of funding earning assets | 0.2772% | 4,259 |
| Net interest margin | 2.8891% | 4,129 |
| Noninterest income to average assets | 0.4330% | 2,942 |
| Noninterest expense to average assets | 3.0067% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2506% | 4,499 |
| Return on assets (ROA) | 0.2506% | 4,563 |
| Pretax return on assets | 0.1170% | 4,694 |
| Return on Equity (ROE) | 2.6587% | 4,448 |
| Retained earnings to average equity (ytd only) | 1.1687% | 4,159 |
| Net charge-offs to loans | -0.0041% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2539% | 225 |
| Assets per employee ($millions) | 4.5975% | 3,816 |
| Cash dividends to net income (ytd only)* | 56.0440% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 1,701 |
| Loan loss allowance to noncurrent loans | 84.5560% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8048% | 1,269 |
| Noncurrent loans to loans | 1.7353% | 726 |
| Net loans and leases to total assets | 45.6958% | 4,143 |
| Net loans and leases to deposits | 50.3096% | 4,301 |
| Net loans and leases to core deposits | 52.3979% | 4,322 |
| Total domestic deposits to total assets | 90.8291% | 266 |
| Equity capital to assets | 8.6668% | 4,325 |
| Core capital (leverage) ratio | 8.5745% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,273,200 | 3,453 |
| Average earning assets | $135,300,200 | 3,442 |
| Average equity | $13,691,000 | 3,796 |
| Average total loans | $72,291,800 | 3,683 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2965% | 4,474 |
| Cost of funding earning assets | 0.3194% | 4,220 |
| Net interest margin | 2.9771% | 4,028 |
| Noninterest income to average assets | 0.4961% | 2,628 |
| Noninterest expense to average assets | 3.0521% | 1,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2103% | 4,572 |
| Return on assets (ROA) | 0.2103% | 4,617 |
| Pretax return on assets | 0.2216% | 4,636 |
| Return on Equity (ROE) | 2.1818% | 4,528 |
| Retained earnings to average equity (ytd only) | 2.1818% | 3,864 |
| Net charge-offs to loans | -0.0037% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2296% | 278 |
| Assets per employee ($millions) | 4.1006% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 1,327 |
| Loan loss allowance to noncurrent loans | 137.4372% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 1,229 |
| Noncurrent loans to loans | 1.1057% | 1,367 |
| Net loans and leases to total assets | 46.7295% | 4,277 |
| Net loans and leases to deposits | 51.8358% | 4,414 |
| Net loans and leases to core deposits | 53.9386% | 4,450 |
| Total domestic deposits to total assets | 90.1491% | 376 |
| Equity capital to assets | 9.1674% | 3,982 |
| Core capital (leverage) ratio | 8.9895% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,363,500 | 3,483 |
| Average earning assets | $131,894,000 | 3,473 |
| Average equity | $13,627,250 | 3,805 |
| Average total loans | $71,708,500 | 3,715 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4504% | 4,481 |
| Cost of funding earning assets | 0.3583% | 4,232 |
| Net interest margin | 3.0921% | 3,913 |
| Noninterest income to average assets | 0.4061% | 3,041 |
| Noninterest expense to average assets | 3.1252% | 1,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1508% | 4,632 |
| Return on assets (ROA) | 0.1508% | 4,666 |
| Pretax return on assets | 0.1595% | 4,672 |
| Return on Equity (ROE) | 1.5369% | 4,610 |
| Retained earnings to average equity (ytd only) | 1.5369% | 3,923 |
| Net charge-offs to loans | -0.0028% | 3,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1435% | 265 |
| Assets per employee ($millions) | 4.3749% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 1,190 |
| Loan loss allowance to noncurrent loans | 136.2843% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9815% | 1,224 |
| Noncurrent loans to loans | 1.1200% | 1,406 |
| Net loans and leases to total assets | 48.8415% | 4,219 |
| Net loans and leases to deposits | 54.4027% | 4,364 |
| Net loans and leases to core deposits | 56.7304% | 4,409 |
| Total domestic deposits to total assets | 89.7777% | 468 |
| Equity capital to assets | 9.5573% | 3,605 |
| Core capital (leverage) ratio | 9.4273% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,910,667 | 3,504 |
| Average earning assets | $128,391,667 | 3,493 |
| Average equity | $13,533,333 | 3,819 |
| Average total loans | $71,613,667 | 3,724 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6811% | 4,428 |
| Cost of funding earning assets | 0.3973% | 4,373 |
| Net interest margin | 3.2838% | 3,631 |
| Noninterest income to average assets | 0.5346% | 2,368 |
| Noninterest expense to average assets | 3.2640% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3000% | 4,346 |
| Return on assets (ROA) | 0.3000% | 4,365 |
| Pretax return on assets | 0.3148% | 4,431 |
| Return on Equity (ROE) | 3.0147% | 4,216 |
| Retained earnings to average equity (ytd only) | 3.0147% | 3,079 |
| Net charge-offs to loans | -0.0056% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2033% | 455 |
| Assets per employee ($millions) | 4.1435% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 1,315 |
| Loan loss allowance to noncurrent loans | 143.2503% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 1.0334% | 1,275 |
| Noncurrent loans to loans | 1.0522% | 1,576 |
| Net loans and leases to total assets | 52.2328% | 4,101 |
| Net loans and leases to deposits | 58.2583% | 4,279 |
| Net loans and leases to core deposits | 60.7525% | 4,325 |
| Total domestic deposits to total assets | 89.6573% | 427 |
| Equity capital to assets | 9.7013% | 4,040 |
| Core capital (leverage) ratio | 9.9606% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9089% | 997 |
| Memoranda: | ||
| Average total assets | $134,680,500 | 3,526 |
| Average earning assets | $124,854,500 | 3,509 |
| Average equity | $13,401,000 | 3,843 |
| Average total loans | $71,617,500 | 3,734 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 4,546 |
| Cost of funding earning assets | 0.2820% | 4,767 |
| Net interest margin | 3.5328% | 3,337 |
| Noninterest income to average assets | 0.5246% | 2,604 |
| Noninterest expense to average assets | 3.1642% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5880% | 4,198 |
| Return on assets (ROA) | 0.6145% | 4,178 |
| Pretax return on assets | 0.6848% | 4,241 |
| Return on Equity (ROE) | 6.1437% | 3,869 |
| Retained earnings to average equity (ytd only) | 4.6021% | 2,651 |
| Net charge-offs to loans | 0.1822% | 1,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 7.1066% | 2,904 |
| Efficiency ratio | 82.8419% | 744 |
| Assets per employee ($millions) | 3.9008% | 4,032 |
| Cash dividends to net income (ytd only)* | 25.0923% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 1,106 |
| Loan loss allowance to noncurrent loans | 135.6522% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.0971% | 1,112 |
| Noncurrent loans to loans | 1.1383% | 1,329 |
| Net loans and leases to total assets | 52.5006% | 4,186 |
| Net loans and leases to deposits | 58.6946% | 4,347 |
| Net loans and leases to core deposits | 60.9992% | 4,392 |
| Total domestic deposits to total assets | 89.4471% | 513 |
| Equity capital to assets | 10.2068% | 3,724 |
| Core capital (leverage) ratio | 10.0141% | 3,502 |
| Tier 1 risk-based capital ratio | 18.4226% | 1,658 |
| Total risk-based capital ratio | 19.6763% | 1,626 |
| Memoranda: | ||
| Average total assets | $132,292,400 | 3,536 |
| Average earning assets | $123,385,400 | 3,514 |
| Average equity | $13,233,000 | 3,866 |
| Average total loans | $66,959,800 | 3,836 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 4,669 |
| Cost of funding earning assets | 0.2638% | 4,891 |
| Net interest margin | 3.5444% | 3,424 |
| Noninterest income to average assets | 0.5365% | 2,527 |
| Noninterest expense to average assets | 3.1283% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6676% | 4,112 |
| Return on assets (ROA) | 0.6676% | 4,172 |
| Pretax return on assets | 0.7140% | 4,315 |
| Return on Equity (ROE) | 6.7085% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.7085% | 2,007 |
| Net charge-offs to loans | 0.2484% | 711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 5.7560% | 2,892 |
| Efficiency ratio | 81.4173% | 802 |
| Assets per employee ($millions) | 4.0942% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 1,075 |
| Loan loss allowance to noncurrent loans | 126.0970% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 977 |
| Noncurrent loans to loans | 1.2416% | 1,252 |
| Net loans and leases to total assets | 52.4032% | 4,294 |
| Net loans and leases to deposits | 58.9145% | 4,433 |
| Net loans and leases to core deposits | 60.3638% | 4,521 |
| Total domestic deposits to total assets | 88.9478% | 626 |
| Equity capital to assets | 10.5003% | 3,540 |
| Core capital (leverage) ratio | 10.1773% | 3,448 |
| Tier 1 risk-based capital ratio | 18.4428% | 1,698 |
| Total risk-based capital ratio | 19.6956% | 1,664 |
| Memoranda: | ||
| Average total assets | $132,208,750 | 3,570 |
| Average earning assets | $123,308,500 | 3,552 |
| Average equity | $13,157,000 | 3,914 |
| Average total loans | $66,019,250 | 3,899 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7544% | 4,764 |
| Cost of funding earning assets | 0.2392% | 4,982 |
| Net interest margin | 3.5152% | 3,549 |
| Noninterest income to average assets | 0.3906% | 3,334 |
| Noninterest expense to average assets | 2.9410% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6787% | 4,073 |
| Return on assets (ROA) | 0.6787% | 4,126 |
| Pretax return on assets | 0.7300% | 4,258 |
| Return on Equity (ROE) | 6.9461% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.9461% | 1,832 |
| Net charge-offs to loans | 0.0803% | 1,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 18.6154% | 1,853 |
| Efficiency ratio | 80.1150% | 955 |
| Assets per employee ($millions) | 3.8613% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 741 |
| Loan loss allowance to noncurrent loans | 113.1554% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.3596% | 898 |
| Noncurrent loans to loans | 1.5524% | 986 |
| Net loans and leases to total assets | 50.5652% | 4,440 |
| Net loans and leases to deposits | 56.5861% | 4,572 |
| Net loans and leases to core deposits | 58.4274% | 4,628 |
| Total domestic deposits to total assets | 89.3597% | 515 |
| Equity capital to assets | 10.2541% | 3,743 |
| Core capital (leverage) ratio | 10.0161% | 3,566 |
| Tier 1 risk-based capital ratio | 19.0239% | 1,551 |
| Total risk-based capital ratio | 20.2802% | 1,513 |
| Memoranda: | ||
| Average total assets | $132,606,670 | 3,588 |
| Average earning assets | $123,749,000 | 3,567 |
| Average equity | $12,957,000 | 3,942 |
| Average total loans | $64,776,330 | 3,962 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 4,814 |
| Cost of funding earning assets | 0.2247% | 5,055 |
| Net interest margin | 3.4962% | 3,602 |
| Noninterest income to average assets | 0.4202% | 3,050 |
| Noninterest expense to average assets | 2.9204% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6963% | 3,951 |
| Return on assets (ROA) | 0.6963% | 3,988 |
| Pretax return on assets | 0.7684% | 4,123 |
| Return on Equity (ROE) | 7.3045% | 3,547 |
| Retained earnings to average equity (ytd only) | 7.3045% | 1,927 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1701% | 1,138 |
| Assets per employee ($millions) | 4.2709% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 608 |
| Loan loss allowance to noncurrent loans | 112.9302% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.3029% | 1,000 |
| Noncurrent loans to loans | 1.6646% | 932 |
| Net loans and leases to total assets | 47.8598% | 4,595 |
| Net loans and leases to deposits | 53.1398% | 4,708 |
| Net loans and leases to core deposits | 54.7231% | 4,756 |
| Total domestic deposits to total assets | 90.0640% | 424 |
| Equity capital to assets | 9.8265% | 3,990 |
| Core capital (leverage) ratio | 9.6109% | 4,010 |
| Tier 1 risk-based capital ratio | 19.2261% | 1,498 |
| Total risk-based capital ratio | 20.4859% | 1,469 |
| Memoranda: | ||
| Average total assets | $133,268,000 | 3,618 |
| Average earning assets | $124,594,000 | 3,591 |
| Average equity | $12,704,500 | 3,981 |
| Average total loans | $63,379,000 | 4,022 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4452% | 4,969 |
| Cost of funding earning assets | 0.1997% | 4,999 |
| Net interest margin | 3.2455% | 4,398 |
| Noninterest income to average assets | 0.5045% | 2,816 |
| Noninterest expense to average assets | 2.8364% | 2,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6052% | 4,403 |
| Return on assets (ROA) | 0.6052% | 4,410 |
| Pretax return on assets | 0.6858% | 4,443 |
| Return on Equity (ROE) | 6.6743% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.0098% | 2,763 |
| Net charge-offs to loans | -0.3881% | 5,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5293% | 913 |
| Assets per employee ($millions) | 4.3271% | 3,417 |
| Cash dividends to net income (ytd only)* | 24.9389% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9524% | 519 |
| Loan loss allowance to noncurrent loans | 121.2787% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 1.2308% | 1,048 |
| Noncurrent loans to loans | 1.6099% | 912 |
| Net loans and leases to total assets | 45.4491% | 4,761 |
| Net loans and leases to deposits | 50.1036% | 4,882 |
| Net loans and leases to core deposits | 51.5704% | 4,907 |
| Total domestic deposits to total assets | 90.7104% | 272 |
| Equity capital to assets | 9.2434% | 4,373 |
| Core capital (leverage) ratio | 9.3873% | 4,252 |
| Tier 1 risk-based capital ratio | 19.1404% | 1,491 |
| Total risk-based capital ratio | 20.3980% | 1,456 |
| Memoranda: | ||
| Average total assets | $135,171,200 | 3,575 |
| Average earning assets | $125,681,200 | 3,564 |
| Average equity | $12,256,000 | 3,993 |
| Average total loans | $62,095,000 | 4,045 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3601% | 5,073 |
| Cost of funding earning assets | 0.2005% | 5,017 |
| Net interest margin | 3.1596% | 4,598 |
| Noninterest income to average assets | 0.4952% | 2,902 |
| Noninterest expense to average assets | 2.6975% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6468% | 4,374 |
| Return on assets (ROA) | 0.6468% | 4,384 |
| Pretax return on assets | 0.7295% | 4,470 |
| Return on Equity (ROE) | 7.1683% | 3,871 |
| Retained earnings to average equity (ytd only) | 7.1683% | 2,039 |
| Net charge-offs to loans | -0.7238% | 5,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7130% | 1,055 |
| Assets per employee ($millions) | 4.7097% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1031% | 410 |
| Loan loss allowance to noncurrent loans | 81.3160% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.1402% | 1,247 |
| Noncurrent loans to loans | 2.5863% | 495 |
| Net loans and leases to total assets | 43.1592% | 4,911 |
| Net loans and leases to deposits | 47.4036% | 5,024 |
| Net loans and leases to core deposits | 48.7189% | 5,052 |
| Total domestic deposits to total assets | 91.0461% | 205 |
| Equity capital to assets | 8.8194% | 4,704 |
| Core capital (leverage) ratio | 9.2722% | 4,433 |
| Tier 1 risk-based capital ratio | 18.9555% | 1,547 |
| Total risk-based capital ratio | 20.2146% | 1,514 |
| Memoranda: | ||
| Average total assets | $135,429,250 | 3,610 |
| Average earning assets | $125,666,750 | 3,599 |
| Average equity | $12,220,250 | 4,035 |
| Average total loans | $62,074,000 | 4,081 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4654% | 4,959 |
| Cost of funding earning assets | 0.2026% | 5,017 |
| Net interest margin | 3.2628% | 4,354 |
| Noninterest income to average assets | 0.4735% | 3,015 |
| Noninterest expense to average assets | 2.7571% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6593% | 4,323 |
| Return on assets (ROA) | 0.6593% | 4,325 |
| Pretax return on assets | 0.7327% | 4,427 |
| Return on Equity (ROE) | 7.2488% | 3,818 |
| Retained earnings to average equity (ytd only) | 7.2488% | 1,953 |
| Net charge-offs to loans | -1.0709% | 5,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0039% | 1,117 |
| Assets per employee ($millions) | 4.5807% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1171% | 431 |
| Loan loss allowance to noncurrent loans | 89.6907% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.0588% | 1,403 |
| Noncurrent loans to loans | 2.3604% | 568 |
| Net loans and leases to total assets | 43.9070% | 4,911 |
| Net loans and leases to deposits | 48.2831% | 5,020 |
| Net loans and leases to core deposits | 49.5597% | 5,052 |
| Total domestic deposits to total assets | 90.9365% | 260 |
| Equity capital to assets | 8.9965% | 4,562 |
| Core capital (leverage) ratio | 9.1531% | 4,516 |
| Tier 1 risk-based capital ratio | 18.8591% | 1,589 |
| Total risk-based capital ratio | 20.1171% | 1,544 |
| Memoranda: | ||
| Average total assets | $133,475,330 | 3,654 |
| Average earning assets | $123,392,000 | 3,651 |
| Average equity | $12,140,000 | 4,066 |
| Average total loans | $62,002,000 | 4,118 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3297% | 5,100 |
| Cost of funding earning assets | 0.2011% | 5,009 |
| Net interest margin | 3.1286% | 4,647 |
| Noninterest income to average assets | 0.3772% | 3,607 |
| Noninterest expense to average assets | 2.8410% | 2,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3376% | 5,035 |
| Return on assets (ROA) | 0.3376% | 5,038 |
| Pretax return on assets | 0.4228% | 4,997 |
| Return on Equity (ROE) | 3.6912% | 4,849 |
| Retained earnings to average equity (ytd only) | 3.6912% | 3,721 |
| Net charge-offs to loans | 0.0193% | 2,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 981 |
| Efficiency ratio | 87.0457% | 584 |
| Assets per employee ($millions) | 4.3692% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,264 |
| Loan loss allowance to noncurrent loans | 128.3069% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 2,658 |
| Noncurrent loans to loans | 1.2140% | 1,492 |
| Net loans and leases to total assets | 45.2630% | 4,835 |
| Net loans and leases to deposits | 49.7287% | 4,970 |
| Net loans and leases to core deposits | 51.1787% | 5,007 |
| Total domestic deposits to total assets | 91.0199% | 313 |
| Equity capital to assets | 8.8605% | 4,698 |
| Core capital (leverage) ratio | 9.4697% | 4,099 |
| Tier 1 risk-based capital ratio | 18.3286% | 1,736 |
| Total risk-based capital ratio | 19.5799% | 1,705 |
| Memoranda: | ||
| Average total assets | $131,503,000 | 3,724 |
| Average earning assets | $121,334,000 | 3,728 |
| Average equity | $12,028,500 | 4,118 |
| Average total loans | $62,182,000 | 4,146 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5710% | 4,635 |
| Cost of funding earning assets | 0.2115% | 4,858 |
| Net interest margin | 3.3595% | 3,974 |
| Noninterest income to average assets | 0.5575% | 2,667 |
| Noninterest expense to average assets | 2.7942% | 2,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5458% | 4,238 |
| Return on assets (ROA) | 0.5441% | 4,277 |
| Pretax return on assets | 0.8275% | 4,177 |
| Return on Equity (ROE) | 5.6368% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.8617% | 2,895 |
| Net charge-offs to loans | -0.1681% | 5,489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0987% | 1,470 |
| Assets per employee ($millions) | 4.0985% | 3,812 |
| Cash dividends to net income (ytd only)* | 31.4900% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 1,222 |
| Loan loss allowance to noncurrent loans | 114.0680% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 2,298 |
| Noncurrent loans to loans | 1.3739% | 1,262 |
| Net loans and leases to total assets | 48.1024% | 4,760 |
| Net loans and leases to deposits | 52.9919% | 4,933 |
| Net loans and leases to core deposits | 54.6465% | 4,980 |
| Total domestic deposits to total assets | 90.7731% | 307 |
| Equity capital to assets | 8.8617% | 4,848 |
| Core capital (leverage) ratio | 8.8758% | 4,781 |
| Tier 1 risk-based capital ratio | 17.6248% | 1,912 |
| Total risk-based capital ratio | 18.8771% | 1,859 |
| Memoranda: | ||
| Average total assets | $119,640,200 | 3,901 |
| Average earning assets | $109,211,600 | 3,936 |
| Average equity | $11,549,200 | 4,219 |
| Average total loans | $62,466,200 | 4,142 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7409% | 4,210 |
| Cost of funding earning assets | 0.2112% | 4,878 |
| Net interest margin | 3.5297% | 3,390 |
| Noninterest income to average assets | 0.5954% | 2,507 |
| Noninterest expense to average assets | 2.7291% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7403% | 3,772 |
| Return on assets (ROA) | 0.7380% | 3,856 |
| Pretax return on assets | 1.0788% | 3,390 |
| Return on Equity (ROE) | 7.4800% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.4800% | 1,438 |
| Net charge-offs to loans | -0.0234% | 4,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6068% | 2,262 |
| Assets per employee ($millions) | 4.5671% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 1,815 |
| Loan loss allowance to noncurrent loans | 109.0571% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 2,544 |
| Noncurrent loans to loans | 1.3017% | 1,468 |
| Net loans and leases to total assets | 49.5017% | 4,734 |
| Net loans and leases to deposits | 55.3533% | 4,903 |
| Net loans and leases to core deposits | 57.1635% | 4,944 |
| Total domestic deposits to total assets | 89.4285% | 681 |
| Equity capital to assets | 9.8059% | 4,140 |
| Core capital (leverage) ratio | 9.9066% | 3,686 |
| Tier 1 risk-based capital ratio | 19.2716% | 1,529 |
| Total risk-based capital ratio | 20.5231% | 1,480 |
| Memoranda: | ||
| Average total assets | $117,787,250 | 3,965 |
| Average earning assets | $107,315,750 | 4,004 |
| Average equity | $11,621,750 | 4,241 |
| Average total loans | $62,560,750 | 4,169 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7515% | 4,070 |
| Cost of funding earning assets | 0.2092% | 4,896 |
| Net interest margin | 3.5424% | 3,248 |
| Noninterest income to average assets | 0.5434% | 2,752 |
| Noninterest expense to average assets | 2.7340% | 2,971 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7014% | 3,846 |
| Return on assets (ROA) | 0.7038% | 3,900 |
| Pretax return on assets | 1.0263% | 3,458 |
| Return on Equity (ROE) | 7.1173% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.1173% | 1,536 |
| Net charge-offs to loans | 0.3250% | 623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.8137% | 2,777 |
| Efficiency ratio | 72.7732% | 2,217 |
| Assets per employee ($millions) | 4.1154% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,778 |
| Loan loss allowance to noncurrent loans | 105.5096% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 2,578 |
| Noncurrent loans to loans | 1.1721% | 1,672 |
| Net loans and leases to total assets | 51.2577% | 4,627 |
| Net loans and leases to deposits | 57.4591% | 4,770 |
| Net loans and leases to core deposits | 59.7517% | 4,830 |
| Total domestic deposits to total assets | 89.2072% | 855 |
| Equity capital to assets | 9.8695% | 4,065 |
| Core capital (leverage) ratio | 10.0496% | 3,479 |
| Tier 1 risk-based capital ratio | 19.4482% | 1,489 |
| Total risk-based capital ratio | 20.6976% | 1,442 |
| Memoranda: | ||
| Average total assets | $115,945,330 | 4,026 |
| Average earning assets | $105,183,330 | 4,068 |
| Average equity | $11,465,000 | 4,280 |
| Average total loans | $62,774,000 | 4,184 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 3,415 |
| Cost of funding earning assets | 0.2100% | 4,885 |
| Net interest margin | 3.6859% | 2,533 |
| Noninterest income to average assets | 0.5357% | 2,733 |
| Noninterest expense to average assets | 2.7205% | 3,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7703% | 3,366 |
| Return on assets (ROA) | 0.7703% | 3,424 |
| Pretax return on assets | 1.1344% | 2,843 |
| Return on Equity (ROE) | 7.7821% | 3,032 |
| Retained earnings to average equity (ytd only) | 7.7821% | 1,549 |
| Net charge-offs to loans | 0.6710% | 266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.0566% | 2,517 |
| Efficiency ratio | 70.5722% | 2,808 |
| Assets per employee ($millions) | 4.1404% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 3,063 |
| Loan loss allowance to noncurrent loans | 104.3836% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 2,593 |
| Noncurrent loans to loans | 1.1611% | 1,749 |
| Net loans and leases to total assets | 53.5754% | 4,374 |
| Net loans and leases to deposits | 59.9059% | 4,570 |
| Net loans and leases to core deposits | 62.1956% | 4,644 |
| Total domestic deposits to total assets | 89.4326% | 928 |
| Equity capital to assets | 9.9101% | 3,861 |
| Core capital (leverage) ratio | 10.1504% | 3,309 |
| Tier 1 risk-based capital ratio | 19.4015% | 1,516 |
| Total risk-based capital ratio | 20.6516% | 1,491 |
| Memoranda: | ||
| Average total assets | $114,244,000 | 4,090 |
| Average earning assets | $102,878,500 | 4,159 |
| Average equity | $11,308,000 | 4,333 |
| Average total loans | $63,190,500 | 4,202 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9334% | 3,446 |
| Cost of funding earning assets | 0.2003% | 5,009 |
| Net interest margin | 3.7331% | 2,563 |
| Noninterest income to average assets | 0.6175% | 2,567 |
| Noninterest expense to average assets | 3.0531% | 2,169 |
| Loan and lease loss provision to assets | 0.1269% | 1,954 |
| Net operating income to assets | 0.6033% | 4,195 |
| Return on assets (ROA) | 0.6366% | 4,174 |
| Pretax return on assets | 0.9340% | 3,716 |
| Return on Equity (ROE) | 6.3124% | 3,837 |
| Retained earnings to average equity (ytd only) | 4.4690% | 2,732 |
| Net charge-offs to loans | 0.0124% | 3,857 |
| Credit loss provision to net charge-offs | 1,750.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 139.5000% | 452 |
| Efficiency ratio | 75.1060% | 2,124 |
| Assets per employee ($millions) | 5.1162% | 2,273 |
| Cash dividends to net income (ytd only)* | 29.2023% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3668% | 2,231 |
| Loan loss allowance to noncurrent loans | 133.3333% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 2,998 |
| Noncurrent loans to loans | 1.0251% | 2,036 |
| Net loans and leases to total assets | 55.6523% | 4,298 |
| Net loans and leases to deposits | 62.0536% | 4,542 |
| Net loans and leases to core deposits | 64.8548% | 4,587 |
| Total domestic deposits to total assets | 89.6842% | 776 |
| Equity capital to assets | 9.8857% | 3,833 |
| Core capital (leverage) ratio | 10.0648% | 3,408 |
| Tier 1 risk-based capital ratio | 19.2048% | 1,543 |
| Total risk-based capital ratio | 20.4561% | 1,505 |
| Memoranda: | ||
| Average total assets | $110,279,800 | 4,154 |
| Average earning assets | $101,845,200 | 4,173 |
| Average equity | $11,121,000 | 4,411 |
| Average total loans | $64,542,000 | 4,169 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,267 |
| Cost of funding earning assets | 0.1999% | 5,068 |
| Net interest margin | 3.7879% | 2,373 |
| Noninterest income to average assets | 0.6526% | 2,406 |
| Noninterest expense to average assets | 2.9045% | 2,634 |
| Loan and lease loss provision to assets | 0.0486% | 3,276 |
| Net operating income to assets | 0.8215% | 3,275 |
| Return on assets (ROA) | 0.8215% | 3,410 |
| Pretax return on assets | 1.1995% | 2,839 |
| Return on Equity (ROE) | 8.1057% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.1057% | 1,135 |
| Net charge-offs to loans | 0.0103% | 3,570 |
| Credit loss provision to net charge-offs | 800.0000% | 505 |
| Earnings coverage of net charge-offs (x) | 205.2924% | 363 |
| Efficiency ratio | 69.9444% | 2,894 |
| Assets per employee ($millions) | 4.8944% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 3,183 |
| Loan loss allowance to noncurrent loans | 90.0701% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 2,212 |
| Noncurrent loans to loans | 1.3423% | 1,644 |
| Net loans and leases to total assets | 55.9647% | 4,310 |
| Net loans and leases to deposits | 63.5061% | 4,523 |
| Net loans and leases to core deposits | 66.4340% | 4,578 |
| Total domestic deposits to total assets | 88.1248% | 1,343 |
| Equity capital to assets | 10.0443% | 4,089 |
| Core capital (leverage) ratio | 10.3499% | 3,158 |
| Tier 1 risk-based capital ratio | 19.6371% | 1,514 |
| Total risk-based capital ratio | 20.8865% | 1,481 |
| Memoranda: | ||
| Average total assets | $109,710,750 | 4,201 |
| Average earning assets | $101,372,000 | 4,208 |
| Average equity | $11,119,500 | 4,454 |
| Average total loans | $64,800,500 | 4,193 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 3,192 |
| Cost of funding earning assets | 0.1989% | 5,159 |
| Net interest margin | 3.8153% | 2,252 |
| Noninterest income to average assets | 0.6344% | 2,445 |
| Noninterest expense to average assets | 3.0343% | 2,236 |
| Loan and lease loss provision to assets | 0.0368% | 3,425 |
| Net operating income to assets | 0.7485% | 3,554 |
| Return on assets (ROA) | 0.7485% | 3,710 |
| Pretax return on assets | 1.0905% | 3,236 |
| Return on Equity (ROE) | 7.3619% | 3,337 |
| Retained earnings to average equity (ytd only) | 7.3619% | 1,447 |
| Net charge-offs to loans | -0.0031% | 4,434 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9121% | 2,531 |
| Assets per employee ($millions) | 4.5912% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 3,511 |
| Loan loss allowance to noncurrent loans | 256.6102% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 4,054 |
| Noncurrent loans to loans | 0.4570% | 3,730 |
| Net loans and leases to total assets | 57.8933% | 4,127 |
| Net loans and leases to deposits | 65.8396% | 4,360 |
| Net loans and leases to core deposits | 68.5840% | 4,431 |
| Total domestic deposits to total assets | 87.9307% | 1,470 |
| Equity capital to assets | 10.1253% | 4,063 |
| Core capital (leverage) ratio | 10.2827% | 3,224 |
| Tier 1 risk-based capital ratio | 19.3580% | 1,607 |
| Total risk-based capital ratio | 20.6072% | 1,569 |
| Memoranda: | ||
| Average total assets | $108,757,330 | 4,251 |
| Average earning assets | $100,541,330 | 4,256 |
| Average equity | $11,057,000 | 4,488 |
| Average total loans | $65,143,670 | 4,215 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 2,715 |
| Cost of funding earning assets | 0.1966% | 5,235 |
| Net interest margin | 3.9367% | 1,825 |
| Noninterest income to average assets | 0.6109% | 2,462 |
| Noninterest expense to average assets | 2.8841% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9367% | 2,573 |
| Return on assets (ROA) | 0.9367% | 2,680 |
| Pretax return on assets | 1.3587% | 2,054 |
| Return on Equity (ROE) | 9.1941% | 2,321 |
| Retained earnings to average equity (ytd only) | 9.1941% | 1,053 |
| Net charge-offs to loans | -0.0122% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9756% | 3,466 |
| Assets per employee ($millions) | 5.1650% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 3,858 |
| Loan loss allowance to noncurrent loans | 245.5150% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 3,723 |
| Noncurrent loans to loans | 0.4626% | 3,788 |
| Net loans and leases to total assets | 59.3113% | 3,873 |
| Net loans and leases to deposits | 67.1139% | 4,148 |
| Net loans and leases to core deposits | 70.7124% | 4,183 |
| Total domestic deposits to total assets | 88.3741% | 1,422 |
| Equity capital to assets | 10.1037% | 3,946 |
| Core capital (leverage) ratio | 10.2753% | 3,231 |
| Tier 1 risk-based capital ratio | 19.0223% | 1,734 |
| Total risk-based capital ratio | 20.2719% | 1,691 |
| Memoranda: | ||
| Average total assets | $108,041,500 | 4,300 |
| Average earning assets | $99,676,500 | 4,308 |
| Average equity | $11,007,000 | 4,507 |
| Average total loans | $65,441,000 | 4,233 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2497% | 2,389 |
| Cost of funding earning assets | 0.1965% | 5,314 |
| Net interest margin | 4.0532% | 1,550 |
| Noninterest income to average assets | 0.6989% | 2,206 |
| Noninterest expense to average assets | 3.3119% | 1,695 |
| Loan and lease loss provision to assets | 0.1515% | 1,553 |
| Net operating income to assets | 0.6845% | 3,888 |
| Return on assets (ROA) | 0.6961% | 3,939 |
| Pretax return on assets | 0.9641% | 3,600 |
| Return on Equity (ROE) | 6.6600% | 3,707 |
| Retained earnings to average equity (ytd only) | 4.8115% | 2,557 |
| Net charge-offs to loans | 0.4885% | 548 |
| Credit loss provision to net charge-offs | 51.1182% | 3,388 |
| Earnings coverage of net charge-offs (x) | 3.7093% | 3,676 |
| Efficiency ratio | 73.4435% | 2,668 |
| Assets per employee ($millions) | 4.3047% | 3,372 |
| Cash dividends to net income (ytd only)* | 27.7551% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 3,948 |
| Loan loss allowance to noncurrent loans | 293.2271% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 3,846 |
| Noncurrent loans to loans | 0.3814% | 4,083 |
| Net loans and leases to total assets | 60.4685% | 3,769 |
| Net loans and leases to deposits | 68.1242% | 4,117 |
| Net loans and leases to core deposits | 71.4356% | 4,183 |
| Total domestic deposits to total assets | 88.7621% | 1,251 |
| Equity capital to assets | 10.2724% | 3,657 |
| Core capital (leverage) ratio | 10.0485% | 3,444 |
| Tier 1 risk-based capital ratio | 18.7136% | 1,771 |
| Total risk-based capital ratio | 19.9630% | 1,727 |
| Memoranda: | ||
| Average total assets | $105,590,400 | 4,344 |
| Average earning assets | $96,713,800 | 4,380 |
| Average equity | $11,036,000 | 4,474 |
| Average total loans | $64,076,800 | 4,257 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 2,610 |
| Cost of funding earning assets | 0.1954% | 5,422 |
| Net interest margin | 3.9948% | 1,718 |
| Noninterest income to average assets | 0.6928% | 2,264 |
| Noninterest expense to average assets | 3.2608% | 1,799 |
| Loan and lease loss provision to assets | 0.1523% | 1,430 |
| Net operating income to assets | 0.6326% | 4,229 |
| Return on assets (ROA) | 0.6471% | 4,261 |
| Pretax return on assets | 0.9592% | 3,781 |
| Return on Equity (ROE) | 6.1641% | 4,080 |
| Retained earnings to average equity (ytd only) | 6.1641% | 2,144 |
| Net charge-offs to loans | 0.3268% | 811 |
| Credit loss provision to net charge-offs | 76.9231% | 2,661 |
| Earnings coverage of net charge-offs (x) | 5.5065% | 3,192 |
| Efficiency ratio | 73.6950% | 2,612 |
| Assets per employee ($millions) | 3.9564% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 3,067 |
| Loan loss allowance to noncurrent loans | 339.8406% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 2,833 |
| Noncurrent loans to loans | 0.3836% | 4,236 |
| Net loans and leases to total assets | 60.4471% | 3,819 |
| Net loans and leases to deposits | 68.3830% | 4,151 |
| Net loans and leases to core deposits | 71.7507% | 4,211 |
| Total domestic deposits to total assets | 88.3949% | 1,345 |
| Equity capital to assets | 10.4490% | 3,651 |
| Core capital (leverage) ratio | 10.4480% | 3,105 |
| Tier 1 risk-based capital ratio | 19.2122% | 1,723 |
| Total risk-based capital ratio | 20.4644% | 1,691 |
| Memoranda: | ||
| Average total assets | $105,083,500 | 4,401 |
| Average earning assets | $96,222,750 | 4,431 |
| Average equity | $11,031,250 | 4,525 |
| Average total loans | $63,643,250 | 4,317 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1801% | 2,615 |
| Cost of funding earning assets | 0.1955% | 5,482 |
| Net interest margin | 3.9847% | 1,684 |
| Noninterest income to average assets | 0.7502% | 1,991 |
| Noninterest expense to average assets | 3.2765% | 1,771 |
| Loan and lease loss provision to assets | 0.1148% | 1,917 |
| Net operating income to assets | 0.6726% | 4,019 |
| Return on assets (ROA) | 0.6947% | 4,030 |
| Pretax return on assets | 1.0201% | 3,498 |
| Return on Equity (ROE) | 6.6074% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.6074% | 1,897 |
| Net charge-offs to loans | 0.3426% | 768 |
| Credit loss provision to net charge-offs | 55.5556% | 2,646 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,933 |
| Efficiency ratio | 73.6451% | 2,728 |
| Assets per employee ($millions) | 4.0488% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 3,345 |
| Loan loss allowance to noncurrent loans | 276.0656% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9233% | 2,686 |
| Noncurrent loans to loans | 0.4640% | 4,092 |
| Net loans and leases to total assets | 61.6396% | 3,604 |
| Net loans and leases to deposits | 69.4695% | 3,986 |
| Net loans and leases to core deposits | 72.7493% | 4,062 |
| Total domestic deposits to total assets | 88.7290% | 1,281 |
| Equity capital to assets | 10.5082% | 3,428 |
| Core capital (leverage) ratio | 10.4627% | 3,009 |
| Tier 1 risk-based capital ratio | 18.9401% | 1,802 |
| Total risk-based capital ratio | 20.1911% | 1,773 |
| Memoranda: | ||
| Average total assets | $104,503,330 | 4,456 |
| Average earning assets | $95,164,330 | 4,487 |
| Average equity | $10,987,670 | 4,565 |
| Average total loans | $63,049,330 | 4,370 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0850% | 2,897 |
| Cost of funding earning assets | 0.1915% | 5,586 |
| Net interest margin | 3.8935% | 1,920 |
| Noninterest income to average assets | 0.7952% | 1,730 |
| Noninterest expense to average assets | 3.2270% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7376% | 3,608 |
| Return on assets (ROA) | 0.7376% | 3,734 |
| Pretax return on assets | 1.0834% | 3,145 |
| Return on Equity (ROE) | 7.0134% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.0134% | 2,008 |
| Net charge-offs to loans | 0.0065% | 3,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 204 |
| Efficiency ratio | 74.8663% | 2,676 |
| Assets per employee ($millions) | 4.2174% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 2,682 |
| Loan loss allowance to noncurrent loans | 396.4286% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7692% | 3,187 |
| Noncurrent loans to loans | 0.3655% | 4,495 |
| Net loans and leases to total assets | 57.2802% | 4,054 |
| Net loans and leases to deposits | 64.7393% | 4,294 |
| Net loans and leases to core deposits | 67.8074% | 4,345 |
| Total domestic deposits to total assets | 88.4783% | 1,552 |
| Equity capital to assets | 10.5220% | 3,507 |
| Core capital (leverage) ratio | 10.3296% | 3,188 |
| Tier 1 risk-based capital ratio | 25.4731% | 838 |
| Total risk-based capital ratio | 26.7479% | 816 |
| Memoranda: | ||
| Average total assets | $104,120,000 | 4,496 |
| Average earning assets | $94,003,000 | 4,550 |
| Average equity | $10,950,500 | 4,606 |
| Average total loans | $61,709,000 | 4,442 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 2,544 |
| Cost of funding earning assets | 0.2010% | 5,736 |
| Net interest margin | 4.1159% | 1,527 |
| Noninterest income to average assets | 0.6231% | 2,720 |
| Noninterest expense to average assets | 3.2313% | 2,125 |
| Loan and lease loss provision to assets | 0.1681% | 1,553 |
| Net operating income to assets | 0.6588% | 4,095 |
| Return on assets (ROA) | 0.6290% | 4,346 |
| Pretax return on assets | 0.9851% | 3,560 |
| Return on Equity (ROE) | 5.8613% | 4,219 |
| Retained earnings to average equity (ytd only) | 3.9813% | 3,382 |
| Net charge-offs to loans | 0.5535% | 735 |
| Credit loss provision to net charge-offs | 47.7528% | 3,531 |
| Earnings coverage of net charge-offs (x) | 3.4073% | 3,896 |
| Efficiency ratio | 71.6741% | 3,261 |
| Assets per employee ($millions) | 3.9540% | 4,056 |
| Cash dividends to net income (ytd only)* | 32.0755% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 2,796 |
| Loan loss allowance to noncurrent loans | 510.9195% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.7402% | 3,356 |
| Noncurrent loans to loans | 0.2800% | 4,848 |
| Net loans and leases to total assets | 59.5765% | 3,842 |
| Net loans and leases to deposits | 67.0098% | 4,218 |
| Net loans and leases to core deposits | 70.5188% | 4,275 |
| Total domestic deposits to total assets | 88.9070% | 1,287 |
| Equity capital to assets | 10.5122% | 3,462 |
| Core capital (leverage) ratio | 10.4419% | 3,007 |
| Tier 1 risk-based capital ratio | 17.7958% | 2,201 |
| Total risk-based capital ratio | 19.0480% | 2,166 |
| Memoranda: | ||
| Average total assets | $101,106,200 | 4,575 |
| Average earning assets | $93,539,000 | 4,567 |
| Average equity | $10,850,800 | 4,595 |
| Average total loans | $64,312,800 | 4,353 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 2,588 |
| Cost of funding earning assets | 0.2005% | 5,822 |
| Net interest margin | 4.1088% | 1,550 |
| Noninterest income to average assets | 0.7058% | 2,299 |
| Noninterest expense to average assets | 3.1730% | 2,255 |
| Loan and lease loss provision to assets | 0.1059% | 2,270 |
| Net operating income to assets | 0.7841% | 3,490 |
| Return on assets (ROA) | 0.7442% | 3,800 |
| Pretax return on assets | 1.1640% | 2,933 |
| Return on Equity (ROE) | 6.8986% | 3,753 |
| Retained earnings to average equity (ytd only) | 6.8986% | 1,868 |
| Net charge-offs to loans | 0.2385% | 1,614 |
| Credit loss provision to net charge-offs | 68.9655% | 2,786 |
| Earnings coverage of net charge-offs (x) | 8.6726% | 2,764 |
| Efficiency ratio | 68.9888% | 3,682 |
| Assets per employee ($millions) | 3.9026% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6313% | 2,194 |
| Loan loss allowance to noncurrent loans | 831.2000% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.8249% | 3,355 |
| Noncurrent loans to loans | 0.1963% | 5,318 |
| Net loans and leases to total assets | 61.7472% | 3,525 |
| Net loans and leases to deposits | 69.9073% | 3,927 |
| Net loans and leases to core deposits | 73.4398% | 4,001 |
| Total domestic deposits to total assets | 88.3272% | 1,589 |
| Equity capital to assets | 11.0105% | 2,949 |
| Core capital (leverage) ratio | 10.6386% | 2,874 |
| Tier 1 risk-based capital ratio | 18.2706% | 2,125 |
| Total risk-based capital ratio | 19.5255% | 2,087 |
| Memoranda: | ||
| Average total assets | $100,681,750 | 4,629 |
| Average earning assets | $93,098,750 | 4,623 |
| Average equity | $10,861,750 | 4,620 |
| Average total loans | $64,857,000 | 4,376 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 2,271 |
| Cost of funding earning assets | 0.2049% | 5,874 |
| Net interest margin | 4.1708% | 1,314 |
| Noninterest income to average assets | 0.6911% | 2,326 |
| Noninterest expense to average assets | 3.1348% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9006% | 2,799 |
| Return on assets (ROA) | 0.8305% | 3,271 |
| Pretax return on assets | 1.2985% | 2,254 |
| Return on Equity (ROE) | 7.7521% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.7521% | 1,412 |
| Net charge-offs to loans | 0.1165% | 2,498 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 18.6053% | 1,671 |
| Efficiency ratio | 67.1197% | 4,175 |
| Assets per employee ($millions) | 3.9023% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 2,465 |
| Loan loss allowance to noncurrent loans | 34,566.6667% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 3,789 |
| Noncurrent loans to loans | 0.0046% | 6,090 |
| Net loans and leases to total assets | 62.9036% | 3,256 |
| Net loans and leases to deposits | 70.9670% | 3,703 |
| Net loans and leases to core deposits | 74.1909% | 3,818 |
| Total domestic deposits to total assets | 88.6379% | 1,570 |
| Equity capital to assets | 10.7944% | 3,097 |
| Core capital (leverage) ratio | 10.4826% | 2,971 |
| Tier 1 risk-based capital ratio | 17.7604% | 2,323 |
| Total risk-based capital ratio | 19.0152% | 2,291 |
| Memoranda: | ||
| Average total assets | $100,420,000 | 4,674 |
| Average earning assets | $92,740,330 | 4,666 |
| Average equity | $10,758,330 | 4,662 |
| Average total loans | $65,245,330 | 4,386 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 2,185 |
| Cost of funding earning assets | 0.2126% | 5,900 |
| Net interest margin | 4.1749% | 1,280 |
| Noninterest income to average assets | 0.6486% | 2,471 |
| Noninterest expense to average assets | 3.0671% | 2,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9564% | 2,379 |
| Return on assets (ROA) | 0.8088% | 3,183 |
| Pretax return on assets | 1.2132% | 2,429 |
| Return on Equity (ROE) | 7.5787% | 3,155 |
| Retained earnings to average equity (ytd only) | 7.5787% | 1,777 |
| Net charge-offs to loans | 0.1284% | 1,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 17.0476% | 1,476 |
| Efficiency ratio | 68.1495% | 4,159 |
| Assets per employee ($millions) | 4.0240% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6201% | 2,613 |
| Loan loss allowance to noncurrent loans | 17,566.6667% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 3,906 |
| Noncurrent loans to loans | 0.0092% | 6,148 |
| Net loans and leases to total assets | 63.6233% | 2,962 |
| Net loans and leases to deposits | 71.5204% | 3,405 |
| Net loans and leases to core deposits | 75.0624% | 3,520 |
| Total domestic deposits to total assets | 88.9583% | 1,687 |
| Equity capital to assets | 10.7266% | 3,006 |
| Core capital (leverage) ratio | 10.4629% | 2,974 |
| Tier 1 risk-based capital ratio | 17.9300% | 2,326 |
| Total risk-based capital ratio | 19.1868% | 2,301 |
| Memoranda: | ||
| Average total assets | $99,900,000 | 4,739 |
| Average earning assets | $92,170,500 | 4,721 |
| Average equity | $10,661,500 | 4,692 |
| Average total loans | $65,438,500 | 4,415 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4884% | 2,255 |
| Cost of funding earning assets | 0.2865% | 5,695 |
| Net interest margin | 4.2019% | 1,348 |
| Noninterest income to average assets | 0.6077% | 3,044 |
| Noninterest expense to average assets | 3.1505% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8861% | 2,848 |
| Return on assets (ROA) | 0.8670% | 3,017 |
| Pretax return on assets | 1.3044% | 2,129 |
| Return on Equity (ROE) | 8.3085% | 2,879 |
| Retained earnings to average equity (ytd only) | 6.3417% | 1,779 |
| Net charge-offs to loans | -0.0126% | 6,058 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2612% | 3,796 |
| Assets per employee ($millions) | 3.8154% | 4,232 |
| Cash dividends to net income (ytd only)* | 23.6721% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6333% | 2,635 |
| Loan loss allowance to noncurrent loans | 408.7452% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 1.2550% | 2,904 |
| Noncurrent loans to loans | 0.3996% | 5,013 |
| Net loans and leases to total assets | 65.2651% | 2,810 |
| Net loans and leases to deposits | 73.4439% | 3,337 |
| Net loans and leases to core deposits | 77.3725% | 3,439 |
| Total domestic deposits to total assets | 88.8639% | 1,717 |
| Equity capital to assets | 10.6169% | 3,025 |
| Core capital (leverage) ratio | 10.1808% | 3,325 |
| Tier 1 risk-based capital ratio | 18.0817% | 2,222 |
| Total risk-based capital ratio | 19.3405% | 2,182 |
| Memoranda: | ||
| Average total assets | $99,890,400 | 4,740 |
| Average earning assets | $92,149,000 | 4,718 |
| Average equity | $10,423,000 | 4,760 |
| Average total loans | $63,406,000 | 4,501 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4807% | 2,309 |
| Cost of funding earning assets | 0.3031% | 5,704 |
| Net interest margin | 4.1776% | 1,404 |
| Noninterest income to average assets | 0.6462% | 2,901 |
| Noninterest expense to average assets | 3.0087% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9834% | 2,451 |
| Return on assets (ROA) | 0.9914% | 2,505 |
| Pretax return on assets | 1.5057% | 1,589 |
| Return on Equity (ROE) | 9.5422% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.5422% | 894 |
| Net charge-offs to loans | -0.0043% | 5,764 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8245% | 4,335 |
| Assets per employee ($millions) | 3.8340% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 2,876 |
| Loan loss allowance to noncurrent loans | 13,362.5000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 1.1737% | 3,309 |
| Noncurrent loans to loans | 0.0122% | 6,329 |
| Net loans and leases to total assets | 64.5921% | 2,904 |
| Net loans and leases to deposits | 72.6243% | 3,443 |
| Net loans and leases to core deposits | 76.8968% | 3,516 |
| Total domestic deposits to total assets | 88.9401% | 1,589 |
| Equity capital to assets | 10.6808% | 3,090 |
| Core capital (leverage) ratio | 10.3985% | 3,106 |
| Tier 1 risk-based capital ratio | 18.4341% | 2,164 |
| Total risk-based capital ratio | 19.6928% | 2,133 |
| Memoranda: | ||
| Average total assets | $100,063,000 | 4,780 |
| Average earning assets | $92,363,500 | 4,761 |
| Average equity | $10,395,750 | 4,815 |
| Average total loans | $62,803,000 | 4,560 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 2,216 |
| Cost of funding earning assets | 0.3247% | 5,617 |
| Net interest margin | 4.1708% | 1,356 |
| Noninterest income to average assets | 0.6108% | 3,130 |
| Noninterest expense to average assets | 2.9804% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9921% | 2,362 |
| Return on assets (ROA) | 1.0041% | 2,452 |
| Pretax return on assets | 1.4952% | 1,628 |
| Return on Equity (ROE) | 9.7556% | 2,295 |
| Retained earnings to average equity (ytd only) | 9.7556% | 900 |
| Net charge-offs to loans | -0.0129% | 5,825 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8607% | 4,383 |
| Assets per employee ($millions) | 3.7907% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 2,733 |
| Loan loss allowance to noncurrent loans | 235.9031% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 1.2896% | 3,190 |
| Noncurrent loans to loans | 0.7258% | 4,476 |
| Net loans and leases to total assets | 62.3836% | 3,221 |
| Net loans and leases to deposits | 69.9461% | 3,718 |
| Net loans and leases to core deposits | 74.1119% | 3,797 |
| Total domestic deposits to total assets | 89.1881% | 1,512 |
| Equity capital to assets | 10.5410% | 3,247 |
| Core capital (leverage) ratio | 10.1620% | 3,280 |
| Tier 1 risk-based capital ratio | 18.5225% | 2,134 |
| Total risk-based capital ratio | 19.7807% | 2,092 |
| Memoranda: | ||
| Average total assets | $100,189,330 | 4,807 |
| Average earning assets | $92,404,670 | 4,788 |
| Average equity | $10,312,000 | 4,869 |
| Average total loans | $61,918,330 | 4,606 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 2,579 |
| Cost of funding earning assets | 0.3479% | 5,556 |
| Net interest margin | 4.0368% | 1,657 |
| Noninterest income to average assets | 0.5703% | 3,300 |
| Noninterest expense to average assets | 2.8553% | 3,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9029% | 2,645 |
| Return on assets (ROA) | 0.9029% | 2,790 |
| Pretax return on assets | 1.4376% | 1,748 |
| Return on Equity (ROE) | 8.8772% | 2,535 |
| Retained earnings to average equity (ytd only) | 8.8772% | 1,420 |
| Net charge-offs to loans | -0.0130% | 5,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5129% | 4,575 |
| Assets per employee ($millions) | 3.8242% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 2,835 |
| Loan loss allowance to noncurrent loans | 86.1402% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 2.1543% | 2,178 |
| Noncurrent loans to loans | 2.0211% | 2,596 |
| Net loans and leases to total assets | 60.6795% | 3,315 |
| Net loans and leases to deposits | 68.1636% | 3,758 |
| Net loans and leases to core deposits | 71.9158% | 3,825 |
| Total domestic deposits to total assets | 89.0203% | 1,672 |
| Equity capital to assets | 10.4406% | 3,613 |
| Core capital (leverage) ratio | 9.6435% | 3,857 |
| Tier 1 risk-based capital ratio | 17.8851% | 2,416 |
| Total risk-based capital ratio | 19.1448% | 2,373 |
| Memoranda: | ||
| Average total assets | $101,005,000 | 4,839 |
| Average earning assets | $93,142,500 | 4,822 |
| Average equity | $10,273,500 | 4,931 |
| Average total loans | $61,600,000 | 4,645 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 2,916 |
| Cost of funding earning assets | 0.5616% | 4,714 |
| Net interest margin | 4.0594% | 2,151 |
| Noninterest income to average assets | 0.6163% | 3,193 |
| Noninterest expense to average assets | 2.8845% | 3,699 |
| Loan and lease loss provision to assets | 0.7767% | 635 |
| Net operating income to assets | 0.3896% | 5,139 |
| Return on assets (ROA) | 0.4279% | 5,223 |
| Pretax return on assets | 0.7718% | 4,402 |
| Return on Equity (ROE) | 4.3460% | 5,000 |
| Retained earnings to average equity (ytd only) | 2.3349% | 4,589 |
| Net charge-offs to loans | 0.7768% | 1,509 |
| Credit loss provision to net charge-offs | 166.1157% | 1,606 |
| Earnings coverage of net charge-offs (x) | 3.1839% | 3,843 |
| Efficiency ratio | 65.9598% | 4,514 |
| Assets per employee ($millions) | 3.9454% | 4,052 |
| Cash dividends to net income (ytd only)* | 46.2754% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7266% | 2,829 |
| Loan loss allowance to noncurrent loans | 127.6316% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.6933% | 2,856 |
| Noncurrent loans to loans | 1.3528% | 3,575 |
| Net loans and leases to total assets | 59.2030% | 3,751 |
| Net loans and leases to deposits | 65.9718% | 4,293 |
| Net loans and leases to core deposits | 69.3284% | 4,394 |
| Total domestic deposits to total assets | 89.7398% | 1,099 |
| Equity capital to assets | 9.9102% | 4,296 |
| Core capital (leverage) ratio | 9.1867% | 4,605 |
| Tier 1 risk-based capital ratio | 17.0302% | 2,635 |
| Total risk-based capital ratio | 18.2894% | 2,598 |
| Memoranda: | ||
| Average total assets | $103,519,600 | 4,744 |
| Average earning assets | $95,801,600 | 4,697 |
| Average equity | $10,193,200 | 4,938 |
| Average total loans | $62,306,600 | 4,619 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 3,066 |
| Cost of funding earning assets | 0.5936% | 4,713 |
| Net interest margin | 4.0442% | 2,319 |
| Noninterest income to average assets | 0.6245% | 3,132 |
| Noninterest expense to average assets | 2.6922% | 4,398 |
| Loan and lease loss provision to assets | 0.5320% | 1,113 |
| Net operating income to assets | 0.7867% | 3,519 |
| Return on assets (ROA) | 0.8417% | 3,500 |
| Pretax return on assets | 1.2272% | 2,883 |
| Return on Equity (ROE) | 8.5619% | 3,011 |
| Retained earnings to average equity (ytd only) | 8.5619% | 1,390 |
| Net charge-offs to loans | 0.7517% | 1,476 |
| Credit loss provision to net charge-offs | 117.6136% | 2,472 |
| Earnings coverage of net charge-offs (x) | 3.7131% | 3,541 |
| Efficiency ratio | 61.5814% | 5,219 |
| Assets per employee ($millions) | 3.9665% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 4,875 |
| Loan loss allowance to noncurrent loans | 126.6041% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 1.1277% | 4,036 |
| Noncurrent loans to loans | 1.0161% | 4,421 |
| Net loans and leases to total assets | 60.1974% | 3,739 |
| Net loans and leases to deposits | 67.4918% | 4,260 |
| Net loans and leases to core deposits | 71.1555% | 4,357 |
| Total domestic deposits to total assets | 89.1922% | 1,318 |
| Equity capital to assets | 10.3230% | 4,052 |
| Core capital (leverage) ratio | 9.4658% | 4,322 |
| Tier 1 risk-based capital ratio | 17.8879% | 2,392 |
| Total risk-based capital ratio | 19.1400% | 2,359 |
| Memoranda: | ||
| Average total assets | $103,754,250 | 4,780 |
| Average earning assets | $96,135,750 | 4,737 |
| Average equity | $10,200,000 | 4,981 |
| Average total loans | $62,433,750 | 4,666 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 3,369 |
| Cost of funding earning assets | 0.6293% | 4,634 |
| Net interest margin | 3.9692% | 2,637 |
| Noninterest income to average assets | 0.6041% | 3,233 |
| Noninterest expense to average assets | 2.6586% | 4,574 |
| Loan and lease loss provision to assets | 0.4444% | 1,456 |
| Net operating income to assets | 0.7849% | 3,447 |
| Return on assets (ROA) | 0.7849% | 3,708 |
| Pretax return on assets | 1.1773% | 3,023 |
| Return on Equity (ROE) | 8.1183% | 3,205 |
| Retained earnings to average equity (ytd only) | 8.1183% | 1,595 |
| Net charge-offs to loans | 0.5877% | 1,848 |
| Credit loss provision to net charge-offs | 126.2295% | 2,174 |
| Earnings coverage of net charge-offs (x) | 4.6066% | 3,037 |
| Efficiency ratio | 62.1124% | 5,229 |
| Assets per employee ($millions) | 4.0677% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 5,077 |
| Loan loss allowance to noncurrent loans | 235.9050% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 5,892 |
| Noncurrent loans to loans | 0.5347% | 5,454 |
| Net loans and leases to total assets | 58.8461% | 4,013 |
| Net loans and leases to deposits | 65.5292% | 4,570 |
| Net loans and leases to core deposits | 69.5767% | 4,581 |
| Total domestic deposits to total assets | 89.8013% | 1,045 |
| Equity capital to assets | 9.7457% | 4,697 |
| Core capital (leverage) ratio | 9.2291% | 4,561 |
| Tier 1 risk-based capital ratio | 17.2188% | 2,577 |
| Total risk-based capital ratio | 18.4710% | 2,539 |
| Memoranda: | ||
| Average total assets | $103,962,670 | 4,802 |
| Average earning assets | $96,290,330 | 4,754 |
| Average equity | $10,051,330 | 5,020 |
| Average total loans | $62,281,670 | 4,704 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 4,047 |
| Cost of funding earning assets | 0.6870% | 4,392 |
| Net interest margin | 3.7785% | 3,488 |
| Noninterest income to average assets | 0.5899% | 3,298 |
| Noninterest expense to average assets | 2.5964% | 4,828 |
| Loan and lease loss provision to assets | 0.3144% | 1,996 |
| Net operating income to assets | 0.7568% | 3,590 |
| Return on assets (ROA) | 0.7568% | 3,827 |
| Pretax return on assets | 1.1798% | 2,986 |
| Return on Equity (ROE) | 7.8601% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.8601% | 2,034 |
| Net charge-offs to loans | 0.0517% | 3,984 |
| Credit loss provision to net charge-offs | 1,012.5000% | 336 |
| Earnings coverage of net charge-offs (x) | 48.1250% | 656 |
| Efficiency ratio | 63.4725% | 5,022 |
| Assets per employee ($millions) | 4.0043% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 4,888 |
| Loan loss allowance to noncurrent loans | 390.4762% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 6,383 |
| Noncurrent loans to loans | 0.3407% | 5,989 |
| Net loans and leases to total assets | 58.4221% | 3,967 |
| Net loans and leases to deposits | 65.0479% | 4,481 |
| Net loans and leases to core deposits | 68.4982% | 4,628 |
| Total domestic deposits to total assets | 89.8140% | 1,181 |
| Equity capital to assets | 9.6434% | 4,597 |
| Core capital (leverage) ratio | 9.1663% | 4,579 |
| Tier 1 risk-based capital ratio | 17.2229% | 2,593 |
| Total risk-based capital ratio | 18.4762% | 2,559 |
| Memoranda: | ||
| Average total assets | $103,064,500 | 4,863 |
| Average earning assets | $95,488,500 | 4,806 |
| Average equity | $9,923,500 | 5,060 |
| Average total loans | $61,907,500 | 4,738 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0210% | 2,791 |
| Cost of funding earning assets | 0.9504% | 3,719 |
| Net interest margin | 4.0706% | 2,564 |
| Noninterest income to average assets | 0.6267% | 3,027 |
| Noninterest expense to average assets | 3.0147% | 3,538 |
| Loan and lease loss provision to assets | 0.1965% | 4,220 |
| Net operating income to assets | 0.7376% | 3,305 |
| Return on assets (ROA) | 0.7376% | 3,474 |
| Pretax return on assets | 1.1829% | 2,511 |
| Return on Equity (ROE) | 7.9709% | 2,920 |
| Retained earnings to average equity (ytd only) | 5.7495% | 2,152 |
| Net charge-offs to loans | 0.1598% | 4,866 |
| Credit loss provision to net charge-offs | 187.5000% | 1,368 |
| Earnings coverage of net charge-offs (x) | 13.1635% | 1,562 |
| Efficiency ratio | 68.6081% | 4,229 |
| Assets per employee ($millions) | 3.9237% | 4,023 |
| Cash dividends to net income (ytd only)* | 27.8689% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 5,380 |
| Loan loss allowance to noncurrent loans | 1,310.5263% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 6,819 |
| Noncurrent loans to loans | 0.0917% | 6,582 |
| Net loans and leases to total assets | 60.2092% | 3,950 |
| Net loans and leases to deposits | 66.8957% | 4,604 |
| Net loans and leases to core deposits | 70.5630% | 4,713 |
| Total domestic deposits to total assets | 90.0045% | 990 |
| Equity capital to assets | 9.6132% | 4,726 |
| Core capital (leverage) ratio | 9.2720% | 4,368 |
| Tier 1 risk-based capital ratio | 16.9914% | 2,612 |
| Total risk-based capital ratio | 18.2432% | 2,565 |
| Memoranda: | ||
| Average total assets | $99,247,000 | 4,905 |
| Average earning assets | $91,853,600 | 4,861 |
| Average equity | $9,183,400 | 5,231 |
| Average total loans | $65,077,400 | 4,675 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1344% | 2,454 |
| Cost of funding earning assets | 1.0155% | 3,569 |
| Net interest margin | 4.1189% | 2,397 |
| Noninterest income to average assets | 0.6480% | 2,893 |
| Noninterest expense to average assets | 2.9979% | 3,562 |
| Loan and lease loss provision to assets | 0.1962% | 4,061 |
| Net operating income to assets | 0.7671% | 3,311 |
| Return on assets (ROA) | 0.7671% | 3,473 |
| Pretax return on assets | 1.2622% | 2,421 |
| Return on Equity (ROE) | 8.3742% | 2,883 |
| Retained earnings to average equity (ytd only) | 8.3742% | 1,362 |
| Net charge-offs to loans | 0.2006% | 4,194 |
| Credit loss provision to net charge-offs | 146.4646% | 2,151 |
| Earnings coverage of net charge-offs (x) | 10.8886% | 1,868 |
| Efficiency ratio | 67.2738% | 4,471 |
| Assets per employee ($millions) | 3.7717% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 5,920 |
| Loan loss allowance to noncurrent loans | 106.5250% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6720% | 5,462 |
| Noncurrent loans to loans | 1.0254% | 4,843 |
| Net loans and leases to total assets | 64.8213% | 3,144 |
| Net loans and leases to deposits | 72.4311% | 3,909 |
| Net loans and leases to core deposits | 76.6024% | 4,113 |
| Total domestic deposits to total assets | 89.4937% | 1,147 |
| Equity capital to assets | 10.0199% | 4,315 |
| Core capital (leverage) ratio | 9.4221% | 4,269 |
| Tier 1 risk-based capital ratio | 16.9075% | 2,673 |
| Total risk-based capital ratio | 18.1587% | 2,644 |
| Memoranda: | ||
| Average total assets | $98,554,750 | 4,965 |
| Average earning assets | $91,121,750 | 4,923 |
| Average equity | $9,027,500 | 5,300 |
| Average total loans | $65,804,250 | 4,686 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1411% | 2,508 |
| Cost of funding earning assets | 1.0887% | 3,327 |
| Net interest margin | 4.0524% | 2,603 |
| Noninterest income to average assets | 0.6017% | 3,132 |
| Noninterest expense to average assets | 3.1990% | 2,903 |
| Loan and lease loss provision to assets | 0.2938% | 3,049 |
| Net operating income to assets | 0.5328% | 4,365 |
| Return on assets (ROA) | 0.5328% | 4,510 |
| Pretax return on assets | 0.8570% | 3,804 |
| Return on Equity (ROE) | 6.0037% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.0037% | 2,428 |
| Net charge-offs to loans | 0.3016% | 3,362 |
| Credit loss provision to net charge-offs | 145.0000% | 2,112 |
| Earnings coverage of net charge-offs (x) | 5.6800% | 2,554 |
| Efficiency ratio | 73.5445% | 3,456 |
| Assets per employee ($millions) | 3.7851% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 6,035 |
| Loan loss allowance to noncurrent loans | 100.7184% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 5,493 |
| Noncurrent loans to loans | 1.0731% | 4,872 |
| Net loans and leases to total assets | 65.1906% | 3,210 |
| Net loans and leases to deposits | 72.2567% | 4,074 |
| Net loans and leases to core deposits | 76.0872% | 4,305 |
| Total domestic deposits to total assets | 90.2208% | 852 |
| Equity capital to assets | 9.4998% | 4,817 |
| Core capital (leverage) ratio | 9.0558% | 4,635 |
| Tier 1 risk-based capital ratio | 16.2004% | 2,880 |
| Total risk-based capital ratio | 17.4509% | 2,851 |
| Memoranda: | ||
| Average total assets | $98,718,000 | 4,995 |
| Average earning assets | $91,303,670 | 4,955 |
| Average equity | $8,761,330 | 5,391 |
| Average total loans | $66,316,000 | 4,716 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1991% | 2,222 |
| Cost of funding earning assets | 1.1937% | 2,858 |
| Net interest margin | 4.0054% | 2,661 |
| Noninterest income to average assets | 0.6069% | 3,118 |
| Noninterest expense to average assets | 2.8684% | 4,200 |
| Loan and lease loss provision to assets | 0.4248% | 2,063 |
| Net operating income to assets | 0.6392% | 3,808 |
| Return on assets (ROA) | 0.6392% | 3,882 |
| Pretax return on assets | 1.0195% | 3,063 |
| Return on Equity (ROE) | 7.4638% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.4638% | 1,955 |
| Net charge-offs to loans | 0.4713% | 2,292 |
| Credit loss provision to net charge-offs | 132.9114% | 2,087 |
| Earnings coverage of net charge-offs (x) | 4.5190% | 2,459 |
| Efficiency ratio | 66.5103% | 4,944 |
| Assets per employee ($millions) | 3.7998% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 6,271 |
| Loan loss allowance to noncurrent loans | 75.9465% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9089% | 5,081 |
| Noncurrent loans to loans | 1.3616% | 4,436 |
| Net loans and leases to total assets | 66.0634% | 2,990 |
| Net loans and leases to deposits | 72.7707% | 3,952 |
| Net loans and leases to core deposits | 77.1809% | 4,135 |
| Total domestic deposits to total assets | 90.7830% | 720 |
| Equity capital to assets | 8.7230% | 5,623 |
| Core capital (leverage) ratio | 8.7560% | 4,991 |
| Tier 1 risk-based capital ratio | 15.4247% | 3,193 |
| Total risk-based capital ratio | 16.6382% | 3,175 |
| Memoranda: | ||
| Average total assets | $98,870,500 | 5,028 |
| Average earning assets | $91,476,500 | 4,987 |
| Average equity | $8,467,500 | 5,464 |
| Average total loans | $67,045,500 | 4,726 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2234% | 3,494 |
| Cost of funding earning assets | 1.5877% | 2,143 |
| Net interest margin | 3.6357% | 4,646 |
| Noninterest income to average assets | 0.6591% | 3,089 |
| Noninterest expense to average assets | 2.9298% | 4,108 |
| Loan and lease loss provision to assets | 0.2964% | 4,427 |
| Net operating income to assets | 0.4758% | 4,209 |
| Return on assets (ROA) | 0.5948% | 3,858 |
| Pretax return on assets | 0.9595% | 3,065 |
| Return on Equity (ROE) | 7.1342% | 3,054 |
| Retained earnings to average equity (ytd only) | 4.7361% | 2,587 |
| Net charge-offs to loans | 0.0779% | 6,037 |
| Credit loss provision to net charge-offs | 590.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 21.3000% | 974 |
| Efficiency ratio | 73.2479% | 3,546 |
| Assets per employee ($millions) | 3.9578% | 3,868 |
| Cash dividends to net income (ytd only)* | 33.6149% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 6,522 |
| Loan loss allowance to noncurrent loans | 92.0056% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.7206% | 5,563 |
| Noncurrent loans to loans | 1.0464% | 4,975 |
| Net loans and leases to total assets | 68.2046% | 2,931 |
| Net loans and leases to deposits | 74.8171% | 4,060 |
| Net loans and leases to core deposits | 79.3111% | 4,304 |
| Total domestic deposits to total assets | 91.1618% | 530 |
| Equity capital to assets | 8.4057% | 5,994 |
| Core capital (leverage) ratio | 8.3453% | 5,619 |
| Tier 1 risk-based capital ratio | 14.8200% | 3,359 |
| Total risk-based capital ratio | 15.9623% | 3,381 |
| Memoranda: | ||
| Average total assets | $99,529,200 | 4,999 |
| Average earning assets | $91,453,600 | 4,965 |
| Average equity | $8,298,000 | 5,619 |
| Average total loans | $64,167,000 | 4,904 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2515% | 3,567 |
| Cost of funding earning assets | 1.6596% | 2,047 |
| Net interest margin | 3.5919% | 4,909 |
| Noninterest income to average assets | 0.6621% | 3,061 |
| Noninterest expense to average assets | 2.7315% | 4,751 |
| Loan and lease loss provision to assets | 0.2542% | 4,550 |
| Net operating income to assets | 0.6069% | 3,856 |
| Return on assets (ROA) | 0.7678% | 3,301 |
| Pretax return on assets | 1.2226% | 2,415 |
| Return on Equity (ROE) | 9.2281% | 2,419 |
| Retained earnings to average equity (ytd only) | 9.2281% | 987 |
| Net charge-offs to loans | 0.0253% | 6,319 |
| Credit loss provision to net charge-offs | 1,583.3333% | 195 |
| Earnings coverage of net charge-offs (x) | 76.3313% | 398 |
| Efficiency ratio | 69.0331% | 4,258 |
| Assets per employee ($millions) | 4.0903% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 6,883 |
| Loan loss allowance to noncurrent loans | 577.4510% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 7,105 |
| Noncurrent loans to loans | 0.1477% | 6,880 |
| Net loans and leases to total assets | 66.9656% | 3,468 |
| Net loans and leases to deposits | 73.8233% | 4,548 |
| Net loans and leases to core deposits | 79.7700% | 4,550 |
| Total domestic deposits to total assets | 90.7107% | 545 |
| Equity capital to assets | 8.5960% | 6,157 |
| Core capital (leverage) ratio | 8.3765% | 5,742 |
| Tier 1 risk-based capital ratio | 14.5354% | 3,492 |
| Total risk-based capital ratio | 15.5203% | 3,608 |
| Memoranda: | ||
| Average total assets | $99,675,250 | 5,062 |
| Average earning assets | $91,426,000 | 5,026 |
| Average equity | $8,293,250 | 5,690 |
| Average total loans | $63,173,500 | 5,013 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 4,236 |
| Cost of funding earning assets | 1.6999% | 2,117 |
| Net interest margin | 3.4418% | 5,474 |
| Noninterest income to average assets | 0.6355% | 3,094 |
| Noninterest expense to average assets | 2.6960% | 4,927 |
| Loan and lease loss provision to assets | 0.1619% | 5,270 |
| Net operating income to assets | 0.6322% | 3,726 |
| Return on assets (ROA) | 0.7570% | 3,321 |
| Pretax return on assets | 1.1233% | 2,701 |
| Return on Equity (ROE) | 9.2031% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.2031% | 1,047 |
| Net charge-offs to loans | 0.0327% | 5,892 |
| Credit loss provision to net charge-offs | 800.0000% | 462 |
| Earnings coverage of net charge-offs (x) | 54.3000% | 556 |
| Efficiency ratio | 71.0400% | 3,980 |
| Assets per employee ($millions) | 4.1297% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7057% | 7,239 |
| Loan loss allowance to noncurrent loans | 286.3095% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 6,978 |
| Noncurrent loans to loans | 0.2465% | 6,738 |
| Net loans and leases to total assets | 65.5502% | 3,931 |
| Net loans and leases to deposits | 71.6641% | 5,048 |
| Net loans and leases to core deposits | 76.5826% | 5,129 |
| Total domestic deposits to total assets | 91.4687% | 335 |
| Equity capital to assets | 8.1100% | 6,645 |
| Core capital (leverage) ratio | 8.2789% | 5,808 |
| Tier 1 risk-based capital ratio | 14.3594% | 3,513 |
| Total risk-based capital ratio | 15.1726% | 3,747 |
| Memoranda: | ||
| Average total assets | $98,814,670 | 5,117 |
| Average earning assets | $90,708,670 | 5,071 |
| Average equity | $8,127,670 | 5,754 |
| Average total loans | $61,209,330 | 5,126 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 5,420 |
| Cost of funding earning assets | 1.7201% | 2,288 |
| Net interest margin | 3.1893% | 6,321 |
| Noninterest income to average assets | 0.6128% | 3,186 |
| Noninterest expense to average assets | 2.6874% | 4,965 |
| Loan and lease loss provision to assets | 0.1242% | 5,336 |
| Net operating income to assets | 0.4766% | 4,509 |
| Return on assets (ROA) | 0.5880% | 4,092 |
| Pretax return on assets | 0.8571% | 3,636 |
| Return on Equity (ROE) | 7.0956% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.0956% | 2,092 |
| Net charge-offs to loans | 0.0139% | 5,394 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 320 |
| Efficiency ratio | 76.6234% | 3,115 |
| Assets per employee ($millions) | 3.9645% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 7,304 |
| Loan loss allowance to noncurrent loans | 253.7572% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 7,023 |
| Noncurrent loans to loans | 0.2826% | 6,759 |
| Net loans and leases to total assets | 61.3239% | 4,890 |
| Net loans and leases to deposits | 66.9671% | 5,714 |
| Net loans and leases to core deposits | 71.1443% | 5,815 |
| Total domestic deposits to total assets | 91.5733% | 351 |
| Equity capital to assets | 8.1271% | 6,510 |
| Core capital (leverage) ratio | 8.5138% | 5,349 |
| Tier 1 risk-based capital ratio | 14.3825% | 3,447 |
| Total risk-based capital ratio | 15.1467% | 3,689 |
| Memoranda: | ||
| Average total assets | $96,600,500 | 5,241 |
| Average earning assets | $87,669,500 | 5,249 |
| Average equity | $8,005,000 | 5,843 |
| Average total loans | $57,735,500 | 5,348 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2872% | 5,245 |
| Cost of funding earning assets | 1.8164% | 3,907 |
| Net interest margin | 3.4708% | 5,081 |
| Noninterest income to average assets | 0.7424% | 2,726 |
| Noninterest expense to average assets | 2.9785% | 4,238 |
| Loan and lease loss provision to assets | 0.2692% | 5,259 |
| Net operating income to assets | 0.3665% | 4,266 |
| Return on assets (ROA) | 0.3681% | 4,358 |
| Pretax return on assets | 0.6097% | 3,878 |
| Return on Equity (ROE) | 3.8757% | 4,138 |
| Retained earnings to average equity (ytd only) | 1.2523% | 4,165 |
| Net charge-offs to loans | 0.1007% | 6,128 |
| Credit loss provision to net charge-offs | 467.3913% | 662 |
| Earnings coverage of net charge-offs (x) | 15.2174% | 1,319 |
| Efficiency ratio | 77.2653% | 3,314 |
| Assets per employee ($millions) | 3.7635% | 4,369 |
| Cash dividends to net income (ytd only)* | 67.6871% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7576% | 7,239 |
| Loan loss allowance to noncurrent loans | 2,935.7143% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 7,478 |
| Noncurrent loans to loans | 0.0258% | 7,373 |
| Net loans and leases to total assets | 57.2241% | 5,785 |
| Net loans and leases to deposits | 62.9734% | 6,364 |
| Net loans and leases to core deposits | 81.3529% | 5,972 |
| Total domestic deposits to total assets | 90.8702% | 583 |
| Equity capital to assets | 8.4549% | 5,959 |
| Core capital (leverage) ratio | 8.8197% | 4,739 |
| Tier 1 risk-based capital ratio | 15.8987% | 2,565 |
| Total risk-based capital ratio | 16.7035% | 2,691 |
| Memoranda: | ||
| Average total assets | $79,872,800 | 5,735 |
| Average earning assets | $71,625,400 | 5,764 |
| Average equity | $7,585,800 | 6,062 |
| Average total loans | $45,677,600 | 5,850 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3182% | 5,328 |
| Cost of funding earning assets | 1.8014% | 4,375 |
| Net interest margin | 3.5168% | 4,798 |
| Noninterest income to average assets | 0.7652% | 2,621 |
| Noninterest expense to average assets | 3.0450% | 3,860 |
| Loan and lease loss provision to assets | 0.0437% | 6,933 |
| Net operating income to assets | 0.5177% | 3,912 |
| Return on assets (ROA) | 0.5189% | 3,998 |
| Pretax return on assets | 0.8228% | 3,463 |
| Return on Equity (ROE) | 5.2844% | 3,845 |
| Retained earnings to average equity (ytd only) | 5.2844% | 2,322 |
| Net charge-offs to loans | 0.0521% | 6,188 |
| Credit loss provision to net charge-offs | 147.0588% | 3,293 |
| Earnings coverage of net charge-offs (x) | 29.1125% | 950 |
| Efficiency ratio | 77.8820% | 3,184 |
| Assets per employee ($millions) | 3.4517% | 5,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5082% | 7,701 |
| Loan loss allowance to noncurrent loans | 183.8235% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 7,147 |
| Noncurrent loans to loans | 0.2765% | 6,822 |
| Net loans and leases to total assets | 56.7133% | 6,067 |
| Net loans and leases to deposits | 63.4089% | 6,548 |
| Net loans and leases to core deposits | 80.3319% | 6,323 |
| Total domestic deposits to total assets | 89.4405% | 996 |
| Equity capital to assets | 8.9255% | 5,599 |
| Core capital (leverage) ratio | 10.3507% | 2,925 |
| Tier 1 risk-based capital ratio | 17.2000% | 2,214 |
| Total risk-based capital ratio | 17.7167% | 2,388 |
| Memoranda: | ||
| Average total assets | $76,319,000 | 5,869 |
| Average earning assets | $68,242,000 | 5,902 |
| Average equity | $7,493,500 | 6,150 |
| Average total loans | $43,534,000 | 5,997 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6230% | 3,951 |
| Cost of funding earning assets | 1.8467% | 4,527 |
| Net interest margin | 3.7763% | 3,646 |
| Noninterest income to average assets | 0.7425% | 2,742 |
| Noninterest expense to average assets | 3.2441% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5599% | 3,843 |
| Return on assets (ROA) | 0.5617% | 3,951 |
| Pretax return on assets | 0.8686% | 3,452 |
| Return on Equity (ROE) | 5.5226% | 3,852 |
| Retained earnings to average equity (ytd only) | 5.5226% | 2,236 |
| Net charge-offs to loans | 0.0288% | 6,070 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 52.6667% | 663 |
| Efficiency ratio | 78.9333% | 3,203 |
| Assets per employee ($millions) | 3.1606% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5381% | 7,742 |
| Loan loss allowance to noncurrent loans | 907.6923% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 7,527 |
| Noncurrent loans to loans | 0.0593% | 7,384 |
| Net loans and leases to total assets | 57.5084% | 6,035 |
| Net loans and leases to deposits | 65.0274% | 6,475 |
| Net loans and leases to core deposits | 80.7848% | 6,338 |
| Total domestic deposits to total assets | 88.4371% | 1,555 |
| Equity capital to assets | 9.8266% | 4,181 |
| Core capital (leverage) ratio | 10.9626% | 2,435 |
| Tier 1 risk-based capital ratio | 19.8155% | 1,616 |
| Total risk-based capital ratio | 20.3838% | 1,705 |
| Memoranda: | ||
| Average total assets | $72,994,670 | 6,004 |
| Average earning assets | $65,089,330 | 6,043 |
| Average equity | $7,424,000 | 6,210 |
| Average total loans | $41,649,000 | 6,125 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8448% | 3,058 |
| Cost of funding earning assets | 1.8889% | 4,690 |
| Net interest margin | 3.9559% | 2,831 |
| Noninterest income to average assets | 0.7098% | 2,826 |
| Noninterest expense to average assets | 2.9288% | 4,059 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8328% | 2,983 |
| Return on assets (ROA) | 0.8328% | 3,129 |
| Pretax return on assets | 1.2576% | 2,423 |
| Return on Equity (ROE) | 8.0443% | 3,131 |
| Retained earnings to average equity (ytd only) | 8.0443% | 1,799 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9599% | 4,586 |
| Assets per employee ($millions) | 3.2514% | 5,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5766% | 7,708 |
| Loan loss allowance to noncurrent loans | 12,100.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,658 |
| Noncurrent loans to loans | 0.0048% | 7,566 |
| Net loans and leases to total assets | 55.7982% | 6,267 |
| Net loans and leases to deposits | 63.3369% | 6,621 |
| Net loans and leases to core deposits | 78.7079% | 6,484 |
| Total domestic deposits to total assets | 88.0974% | 1,697 |
| Equity capital to assets | 9.9422% | 4,062 |
| Core capital (leverage) ratio | 11.6148% | 2,085 |
| Tier 1 risk-based capital ratio | 18.6016% | 1,908 |
| Total risk-based capital ratio | 19.1524% | 2,025 |
| Memoranda: | ||
| Average total assets | $71,564,500 | 6,083 |
| Average earning assets | $62,893,000 | 6,142 |
| Average equity | $7,409,000 | 6,256 |
| Average total loans | $40,544,000 | 6,212 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7108% | 6,743 |
| Cost of funding earning assets | 1.7911% | 7,031 |
| Net interest margin | 3.9197% | 3,484 |
| Noninterest income to average assets | 0.9233% | 1,879 |
| Noninterest expense to average assets | 3.2675% | 3,084 |
| Loan and lease loss provision to assets | 0.1174% | 5,869 |
| Net operating income to assets | 0.7762% | 3,541 |
| Return on assets (ROA) | 0.7652% | 3,434 |
| Pretax return on assets | 1.1924% | 2,670 |
| Return on Equity (ROE) | 6.6008% | 3,712 |
| Retained earnings to average equity (ytd only) | 3.9146% | 2,690 |
| Net charge-offs to loans | 0.0353% | 6,311 |
| Credit loss provision to net charge-offs | 625.0000% | 688 |
| Earnings coverage of net charge-offs (x) | 70.6667% | 576 |
| Efficiency ratio | 71.1172% | 4,107 |
| Assets per employee ($millions) | 3.2546% | 5,324 |
| Cash dividends to net income (ytd only)* | 40.6953% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6186% | 7,642 |
| Loan loss allowance to noncurrent loans | 12,100.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 7,649 |
| Noncurrent loans to loans | 0.0051% | 7,539 |
| Net loans and leases to total assets | 56.8818% | 6,344 |
| Net loans and leases to deposits | 65.5135% | 6,677 |
| Net loans and leases to core deposits | 80.8876% | 6,546 |
| Total domestic deposits to total assets | 86.8246% | 2,021 |
| Equity capital to assets | 10.8022% | 3,203 |
| Core capital (leverage) ratio | 12.1059% | 1,918 |
| Tier 1 risk-based capital ratio | 23.4298% | 1,143 |
| Total risk-based capital ratio | 24.1364% | 1,180 |
| Memoranda: | ||
| Average total assets | $63,902,800 | 6,234 |
| Average earning assets | $59,851,400 | 6,177 |
| Average equity | $7,408,200 | 6,312 |
| Average total loans | $33,968,200 | 6,489 |