Home > Mountain Valley Bank > Performance and Condition Ratios
Mountain Valley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5769% | 1,064 |
| Cost of funding earning assets | 1.9451% | 1,002 |
| Net interest margin | 3.6318% | 1,897 |
| Noninterest income to average assets | 1.6100% | 360 |
| Noninterest expense to average assets | 4.0223% | 364 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.6714% | 3,261 |
| Return on assets (ROA) | 0.6714% | 3,245 |
| Pretax return on assets | 0.8762% | 3,023 |
| Return on Equity (ROE) | 6.7600% | 3,342 |
| Retained earnings to average equity (ytd only) | 6.1259% | 2,197 |
| Net charge-offs to loans | 0.3702% | 289 |
| Credit loss provision to net charge-offs | 43.4028% | 2,220 |
| Earnings coverage of net charge-offs (x) | 3.5174% | 2,634 |
| Efficiency ratio | 80.0963% | 912 |
| Assets per employee ($millions) | 3.7305% | 4,235 |
| Cash dividends to net income (ytd only)* | 9.3314% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 2,939 |
| Loan loss allowance to noncurrent loans | 142.5247% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.6131% | 892 |
| Noncurrent loans to loans | 0.7575% | 1,032 |
| Net loans and leases to total assets | 80.0600% | 635 |
| Net loans and leases to deposits | 112.5476% | 154 |
| Net loans and leases to core deposits | 131.9749% | 375 |
| Total domestic deposits to total assets | 71.1300% | 4,257 |
| Equity capital to assets | 9.1604% | 2,570 |
| Core capital (leverage) ratio | 9.7758% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0520% | 1,520 |
| Memoranda: | ||
| Average total assets | $202,695,800 | 2,974 |
| Average earning assets | $190,320,000 | 2,945 |
| Average equity | $20,144,000 | 2,841 |
| Average total loans | $155,612,200 | 2,627 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4697% | 1,052 |
| Cost of funding earning assets | 1.7655% | 1,071 |
| Net interest margin | 3.7041% | 1,766 |
| Noninterest income to average assets | 1.8100% | 320 |
| Noninterest expense to average assets | 4.1762% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8421% | 2,891 |
| Return on assets (ROA) | 0.8421% | 2,874 |
| Pretax return on assets | 1.1107% | 2,537 |
| Return on Equity (ROE) | 8.2800% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.9328% | 1,990 |
| Net charge-offs to loans | 0.1408% | 583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 10.4423% | 2,122 |
| Efficiency ratio | 78.9915% | 933 |
| Assets per employee ($millions) | 3.5180% | 4,317 |
| Cash dividends to net income (ytd only)* | 4.2105% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,067 |
| Loan loss allowance to noncurrent loans | 307.7247% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 1,585 |
| Noncurrent loans to loans | 0.4085% | 1,809 |
| Net loans and leases to total assets | 78.9000% | 768 |
| Net loans and leases to deposits | 108.6675% | 231 |
| Net loans and leases to core deposits | 125.5999% | 424 |
| Total domestic deposits to total assets | 72.6100% | 4,231 |
| Equity capital to assets | 9.4341% | 2,138 |
| Core capital (leverage) ratio | 10.4305% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9589% | 1,331 |
| Memoranda: | ||
| Average total assets | $195,547,750 | 3,024 |
| Average earning assets | $183,358,500 | 2,996 |
| Average equity | $19,883,250 | 2,858 |
| Average total loans | $147,717,500 | 2,702 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3171% | 1,060 |
| Cost of funding earning assets | 1.5546% | 1,155 |
| Net interest margin | 3.7626% | 1,696 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 3.5506% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1766% | 4,306 |
| Return on assets (ROA) | 0.1766% | 4,327 |
| Pretax return on assets | 0.2244% | 4,293 |
| Return on Equity (ROE) | 1.6900% | 4,304 |
| Retained earnings to average equity (ytd only) | 1.1602% | 3,880 |
| Net charge-offs to loans | 0.1426% | 536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2.1313% | 2,323 |
| Efficiency ratio | 94.0547% | 261 |
| Assets per employee ($millions) | 3.2872% | 4,390 |
| Cash dividends to net income (ytd only)* | 31.3253% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 1,459 |
| Loan loss allowance to noncurrent loans | 494.0659% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 1,409 |
| Noncurrent loans to loans | 0.2873% | 2,112 |
| Net loans and leases to total assets | 75.3800% | 1,118 |
| Net loans and leases to deposits | 105.4978% | 325 |
| Net loans and leases to core deposits | 124.4561% | 421 |
| Total domestic deposits to total assets | 71.4500% | 4,312 |
| Equity capital to assets | 9.4876% | 2,165 |
| Core capital (leverage) ratio | 10.7128% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9933% | 1,319 |
| Memoranda: | ||
| Average total assets | $188,026,000 | 3,080 |
| Average earning assets | $175,997,333 | 3,057 |
| Average equity | $19,652,000 | 2,893 |
| Average total loans | $138,864,000 | 2,781 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2111% | 942 |
| Cost of funding earning assets | 1.2854% | 1,263 |
| Net interest margin | 3.9257% | 1,416 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 3.5542% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3137% | 4,232 |
| Return on assets (ROA) | 0.3137% | 4,194 |
| Pretax return on assets | 0.3630% | 4,188 |
| Return on Equity (ROE) | 2.8500% | 4,200 |
| Retained earnings to average equity (ytd only) | 1.7910% | 3,736 |
| Net charge-offs to loans | 0.2540% | 298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1.9756% | 1,946 |
| Efficiency ratio | 90.7323% | 332 |
| Assets per employee ($millions) | 3.5450% | 4,403 |
| Cash dividends to net income (ytd only)* | 37.1429% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 976 |
| Loan loss allowance to noncurrent loans | 398.0668% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 1,358 |
| Noncurrent loans to loans | 0.4068% | 1,713 |
| Net loans and leases to total assets | 71.8900% | 1,434 |
| Net loans and leases to deposits | 97.4674% | 567 |
| Net loans and leases to core deposits | 111.5593% | 653 |
| Total domestic deposits to total assets | 73.7600% | 4,294 |
| Equity capital to assets | 10.3799% | 1,620 |
| Core capital (leverage) ratio | 11.6356% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8925% | 1,007 |
| Memoranda: | ||
| Average total assets | $178,493,500 | 3,189 |
| Average earning assets | $167,106,000 | 3,175 |
| Average equity | $19,654,000 | 2,919 |
| Average total loans | $129,120,000 | 2,897 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 1,712 |
| Cost of funding earning assets | 0.3590% | 2,407 |
| Net interest margin | 3.6435% | 1,511 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 3.8291% | 373 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.1318% | 4,490 |
| Return on assets (ROA) | 0.1318% | 4,478 |
| Pretax return on assets | 0.1511% | 4,476 |
| Return on Equity (ROE) | 1.4700% | 4,435 |
| Retained earnings to average equity (ytd only) | 1.1696% | 4,164 |
| Net charge-offs to loans | 0.2518% | 317 |
| Credit loss provision to net charge-offs | 80.0000% | 1,683 |
| Earnings coverage of net charge-offs (x) | 1.6731% | 2,531 |
| Efficiency ratio | 92.9691% | 241 |
| Assets per employee ($millions) | 3.0659% | 4,518 |
| Cash dividends to net income (ytd only)* | 20.2020% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7157% | 4,189 |
| Loan loss allowance to noncurrent loans | 87.4097% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6813% | 714 |
| Noncurrent loans to loans | 0.8188% | 903 |
| Net loans and leases to total assets | 70.9700% | 1,531 |
| Net loans and leases to deposits | 83.3675% | 1,510 |
| Net loans and leases to core deposits | 90.0959% | 1,499 |
| Total domestic deposits to total assets | 85.1300% | 2,961 |
| Equity capital to assets | 11.7408% | 1,014 |
| Core capital (leverage) ratio | 12.9335% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4141% | 682 |
| Memoranda: | ||
| Average total assets | $150,219,200 | 3,438 |
| Average earning assets | $140,688,000 | 3,413 |
| Average equity | $13,508,400 | 3,522 |
| Average total loans | $103,248,200 | 3,104 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9130% | 1,455 |
| Cost of funding earning assets | 0.2645% | 2,549 |
| Net interest margin | 3.6485% | 1,274 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 3.7826% | 381 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.1940% | 4,479 |
| Return on assets (ROA) | 0.1940% | 4,449 |
| Pretax return on assets | 0.2332% | 4,432 |
| Return on Equity (ROE) | 2.3600% | 4,368 |
| Retained earnings to average equity (ytd only) | 1.9180% | 4,053 |
| Net charge-offs to loans | 0.2332% | 294 |
| Credit loss provision to net charge-offs | 40.2299% | 1,563 |
| Earnings coverage of net charge-offs (x) | 1.8736% | 2,262 |
| Efficiency ratio | 92.7216% | 260 |
| Assets per employee ($millions) | 2.7999% | 4,590 |
| Cash dividends to net income (ytd only)* | 18.7793% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 4,237 |
| Loan loss allowance to noncurrent loans | 68.0068% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.8470% | 584 |
| Noncurrent loans to loans | 1.0430% | 733 |
| Net loans and leases to total assets | 70.9700% | 1,395 |
| Net loans and leases to deposits | 77.9014% | 1,720 |
| Net loans and leases to core deposits | 85.0683% | 1,584 |
| Total domestic deposits to total assets | 91.1100% | 1,193 |
| Equity capital to assets | 8.7504% | 2,375 |
| Core capital (leverage) ratio | 9.9766% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8280% | 1,476 |
| Memoranda: | ||
| Average total assets | $146,384,250 | 3,499 |
| Average earning assets | $137,112,250 | 3,475 |
| Average equity | $12,026,000 | 3,707 |
| Average total loans | $99,472,500 | 3,160 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7409% | 1,441 |
| Cost of funding earning assets | 0.2512% | 2,250 |
| Net interest margin | 3.4897% | 1,340 |
| Noninterest income to average assets | 0.8299% | 985 |
| Noninterest expense to average assets | 3.7071% | 350 |
| Loan and lease loss provision to assets | 0.0784% | 1,239 |
| Net operating income to assets | 0.2589% | 4,351 |
| Return on assets (ROA) | 0.2589% | 4,307 |
| Pretax return on assets | 0.3107% | 4,285 |
| Return on Equity (ROE) | 3.2282% | 4,182 |
| Retained earnings to average equity (ytd only) | 2.5302% | 3,610 |
| Net charge-offs to loans | 0.2141% | 303 |
| Credit loss provision to net charge-offs | 54.9020% | 1,476 |
| Earnings coverage of net charge-offs (x) | 2.7255% | 2,020 |
| Efficiency ratio | 90.5022% | 383 |
| Assets per employee ($millions) | 2.8491% | 4,638 |
| Cash dividends to net income (ytd only)* | 21.6216% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 4,098 |
| Loan loss allowance to noncurrent loans | 61.2787% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 459 |
| Noncurrent loans to loans | 1.3758% | 554 |
| Net loans and leases to total assets | 65.2109% | 1,789 |
| Net loans and leases to deposits | 71.9711% | 2,028 |
| Net loans and leases to core deposits | 77.2525% | 1,904 |
| Total domestic deposits to total assets | 90.6071% | 1,414 |
| Equity capital to assets | 9.2733% | 2,186 |
| Core capital (leverage) ratio | 10.6480% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8615% | 1,010 |
| Memoranda: | ||
| Average total assets | $142,914,667 | 3,577 |
| Average earning assets | $133,765,000 | 3,557 |
| Average equity | $11,461,333 | 3,836 |
| Average total loans | $95,270,667 | 3,249 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 1,094 |
| Cost of funding earning assets | 0.2492% | 2,170 |
| Net interest margin | 3.5456% | 994 |
| Noninterest income to average assets | 0.5588% | 1,870 |
| Noninterest expense to average assets | 3.6436% | 369 |
| Loan and lease loss provision to assets | 0.1222% | 680 |
| Net operating income to assets | 0.1048% | 4,463 |
| Return on assets (ROA) | 0.1048% | 4,435 |
| Pretax return on assets | 0.1048% | 4,442 |
| Return on Equity (ROE) | 1.4316% | 4,350 |
| Retained earnings to average equity (ytd only) | -0.1591% | 4,035 |
| Net charge-offs to loans | 0.1993% | 310 |
| Credit loss provision to net charge-offs | 91.3043% | 1,076 |
| Earnings coverage of net charge-offs (x) | 1.6957% | 1,732 |
| Efficiency ratio | 94.1353% | 380 |
| Assets per employee ($millions) | 2.8286% | 4,669 |
| Cash dividends to net income (ytd only)* | 111.1111% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 3,844 |
| Loan loss allowance to noncurrent loans | 79.3440% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.8308% | 657 |
| Noncurrent loans to loans | 1.2211% | 724 |
| Net loans and leases to total assets | 67.3762% | 1,275 |
| Net loans and leases to deposits | 72.6731% | 1,729 |
| Net loans and leases to core deposits | 76.3768% | 1,754 |
| Total domestic deposits to total assets | 92.7113% | 341 |
| Equity capital to assets | 7.1001% | 4,158 |
| Core capital (leverage) ratio | 7.6930% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9408% | 2,239 |
| Memoranda: | ||
| Average total assets | $137,447,000 | 3,642 |
| Average earning assets | $128,386,000 | 3,626 |
| Average equity | $10,058,500 | 4,048 |
| Average total loans | $92,316,000 | 3,296 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 1,141 |
| Cost of funding earning assets | 0.3124% | 2,270 |
| Net interest margin | 3.7988% | 1,008 |
| Noninterest income to average assets | 0.4188% | 2,954 |
| Noninterest expense to average assets | 3.4580% | 510 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.3469% | 4,354 |
| Return on assets (ROA) | 0.3469% | 4,378 |
| Pretax return on assets | 0.4379% | 4,347 |
| Return on Equity (ROE) | 4.3352% | 4,144 |
| Retained earnings to average equity (ytd only) | 3.5331% | 3,408 |
| Net charge-offs to loans | 0.1527% | 628 |
| Credit loss provision to net charge-offs | 111.6279% | 1,702 |
| Earnings coverage of net charge-offs (x) | 5.5581% | 2,441 |
| Efficiency ratio | 86.3220% | 457 |
| Assets per employee ($millions) | 3.0916% | 4,672 |
| Cash dividends to net income (ytd only)* | 18.5022% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 3,855 |
| Loan loss allowance to noncurrent loans | 149.3355% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 1,517 |
| Noncurrent loans to loans | 0.6525% | 1,531 |
| Net loans and leases to total assets | 65.6690% | 1,509 |
| Net loans and leases to deposits | 71.1848% | 1,995 |
| Net loans and leases to core deposits | 74.7333% | 2,019 |
| Total domestic deposits to total assets | 92.2514% | 124 |
| Equity capital to assets | 7.5308% | 4,583 |
| Core capital (leverage) ratio | 7.6063% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4900% | 2,051 |
| Memoranda: | ||
| Average total assets | $130,855,200 | 3,675 |
| Average earning assets | $123,566,600 | 3,643 |
| Average equity | $10,472,400 | 4,086 |
| Average total loans | $84,453,400 | 3,412 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 1,199 |
| Cost of funding earning assets | 0.3274% | 2,328 |
| Net interest margin | 3.8176% | 1,079 |
| Noninterest income to average assets | 0.3530% | 3,339 |
| Noninterest expense to average assets | 3.2714% | 628 |
| Loan and lease loss provision to assets | 0.1118% | 1,081 |
| Net operating income to assets | 0.4514% | 4,293 |
| Return on assets (ROA) | 0.4514% | 4,327 |
| Pretax return on assets | 0.5797% | 4,261 |
| Return on Equity (ROE) | 5.5516% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.4820% | 3,411 |
| Net charge-offs to loans | 0.1115% | 686 |
| Credit loss provision to net charge-offs | 156.5217% | 1,335 |
| Earnings coverage of net charge-offs (x) | 9.6812% | 2,069 |
| Efficiency ratio | 82.5496% | 607 |
| Assets per employee ($millions) | 3.2292% | 4,712 |
| Cash dividends to net income (ytd only)* | 19.2661% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,678 |
| Loan loss allowance to noncurrent loans | 53.9766% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.2608% | 459 |
| Noncurrent loans to loans | 1.9402% | 463 |
| Net loans and leases to total assets | 64.3014% | 1,731 |
| Net loans and leases to deposits | 69.9914% | 2,249 |
| Net loans and leases to core deposits | 74.0895% | 2,234 |
| Total domestic deposits to total assets | 91.8704% | 154 |
| Equity capital to assets | 7.8480% | 4,586 |
| Core capital (leverage) ratio | 7.8365% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2695% | 1,873 |
| Memoranda: | ||
| Average total assets | $128,788,500 | 3,731 |
| Average earning assets | $121,783,000 | 3,701 |
| Average equity | $10,471,250 | 4,141 |
| Average total loans | $82,502,000 | 3,480 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 1,114 |
| Cost of funding earning assets | 0.3455% | 2,358 |
| Net interest margin | 3.8919% | 987 |
| Noninterest income to average assets | 0.3114% | 3,566 |
| Noninterest expense to average assets | 3.2630% | 648 |
| Loan and lease loss provision to assets | 0.1138% | 1,105 |
| Net operating income to assets | 0.4838% | 4,252 |
| Return on assets (ROA) | 0.4838% | 4,291 |
| Pretax return on assets | 0.6213% | 4,200 |
| Return on Equity (ROE) | 5.8769% | 3,931 |
| Retained earnings to average equity (ytd only) | 4.5517% | 3,342 |
| Net charge-offs to loans | 0.0843% | 838 |
| Credit loss provision to net charge-offs | 211.7647% | 1,025 |
| Earnings coverage of net charge-offs (x) | 13.6765% | 1,689 |
| Efficiency ratio | 81.6133% | 698 |
| Assets per employee ($millions) | 3.2671% | 4,735 |
| Cash dividends to net income (ytd only)* | 22.5490% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,507 |
| Loan loss allowance to noncurrent loans | 231.6583% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 2,391 |
| Noncurrent loans to loans | 0.4654% | 2,280 |
| Net loans and leases to total assets | 64.7317% | 1,862 |
| Net loans and leases to deposits | 70.6351% | 2,342 |
| Net loans and leases to core deposits | 74.2228% | 2,388 |
| Total domestic deposits to total assets | 91.6424% | 207 |
| Equity capital to assets | 8.0163% | 4,522 |
| Core capital (leverage) ratio | 7.9337% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5582% | 1,786 |
| Memoranda: | ||
| Average total assets | $126,509,000 | 3,772 |
| Average earning assets | $119,838,333 | 3,734 |
| Average equity | $10,413,667 | 4,160 |
| Average total loans | $80,625,000 | 3,539 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 1,494 |
| Cost of funding earning assets | 0.3766% | 2,299 |
| Net interest margin | 3.6816% | 1,375 |
| Noninterest income to average assets | 0.2926% | 3,657 |
| Noninterest expense to average assets | 3.2695% | 633 |
| Loan and lease loss provision to assets | 0.1157% | 1,185 |
| Net operating income to assets | 0.3215% | 4,488 |
| Return on assets (ROA) | 0.3215% | 4,524 |
| Pretax return on assets | 0.3954% | 4,491 |
| Return on Equity (ROE) | 3.8526% | 4,314 |
| Retained earnings to average equity (ytd only) | 1.7722% | 4,059 |
| Net charge-offs to loans | 0.0665% | 877 |
| Credit loss provision to net charge-offs | 276.9231% | 787 |
| Earnings coverage of net charge-offs (x) | 12.2308% | 1,425 |
| Efficiency ratio | 86.4796% | 493 |
| Assets per employee ($millions) | 3.5814% | 4,662 |
| Cash dividends to net income (ytd only)* | 54.0000% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 3,174 |
| Loan loss allowance to noncurrent loans | 319.3662% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 2,932 |
| Noncurrent loans to loans | 0.3612% | 2,787 |
| Net loans and leases to total assets | 60.2721% | 2,515 |
| Net loans and leases to deposits | 65.7846% | 2,943 |
| Net loans and leases to core deposits | 69.2998% | 2,931 |
| Total domestic deposits to total assets | 91.6204% | 216 |
| Equity capital to assets | 8.0306% | 4,471 |
| Core capital (leverage) ratio | 8.4202% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7801% | 1,361 |
| Memoranda: | ||
| Average total assets | $124,421,500 | 3,809 |
| Average earning assets | $117,883,500 | 3,764 |
| Average equity | $10,382,500 | 4,172 |
| Average total loans | $78,179,500 | 3,603 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8575% | 660 |
| Cost of funding earning assets | 0.4983% | 2,959 |
| Net interest margin | 4.3591% | 447 |
| Noninterest income to average assets | 0.3486% | 3,376 |
| Noninterest expense to average assets | 3.6122% | 590 |
| Loan and lease loss provision to assets | 0.2601% | 1,491 |
| Net operating income to assets | 0.4485% | 4,143 |
| Return on assets (ROA) | 0.4485% | 4,224 |
| Pretax return on assets | 0.5755% | 4,135 |
| Return on Equity (ROE) | 5.0198% | 3,896 |
| Retained earnings to average equity (ytd only) | 4.1178% | 2,752 |
| Net charge-offs to loans | 0.1427% | 1,130 |
| Credit loss provision to net charge-offs | 260.5263% | 1,884 |
| Earnings coverage of net charge-offs (x) | 8.3684% | 2,610 |
| Efficiency ratio | 81.2131% | 798 |
| Assets per employee ($millions) | 2.9978% | 4,809 |
| Cash dividends to net income (ytd only)* | 17.9688% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 3,272 |
| Loan loss allowance to noncurrent loans | 192.1739% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 2,360 |
| Noncurrent loans to loans | 0.5917% | 2,222 |
| Net loans and leases to total assets | 64.0959% | 2,348 |
| Net loans and leases to deposits | 70.4331% | 2,832 |
| Net loans and leases to core deposits | 74.3329% | 2,885 |
| Total domestic deposits to total assets | 91.0025% | 225 |
| Equity capital to assets | 8.6823% | 4,307 |
| Core capital (leverage) ratio | 8.6972% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7413% | 1,329 |
| Memoranda: | ||
| Average total assets | $114,170,200 | 3,820 |
| Average earning assets | $107,360,600 | 3,807 |
| Average equity | $10,199,600 | 4,173 |
| Average total loans | $79,885,200 | 3,559 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0281% | 579 |
| Cost of funding earning assets | 0.5178% | 3,124 |
| Net interest margin | 4.5103% | 365 |
| Noninterest income to average assets | 0.3004% | 3,684 |
| Noninterest expense to average assets | 3.5753% | 637 |
| Loan and lease loss provision to assets | 0.2874% | 1,405 |
| Net operating income to assets | 0.5204% | 3,978 |
| Return on assets (ROA) | 0.5204% | 4,077 |
| Pretax return on assets | 0.6718% | 3,963 |
| Return on Equity (ROE) | 5.7817% | 3,623 |
| Retained earnings to average equity (ytd only) | 4.7567% | 2,664 |
| Net charge-offs to loans | 0.1608% | 918 |
| Credit loss provision to net charge-offs | 250.5155% | 1,921 |
| Earnings coverage of net charge-offs (x) | 8.3608% | 2,505 |
| Efficiency ratio | 78.8472% | 959 |
| Assets per employee ($millions) | 3.1865% | 4,788 |
| Cash dividends to net income (ytd only)* | 17.7273% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 3,525 |
| Loan loss allowance to noncurrent loans | 130.5085% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 1,730 |
| Noncurrent loans to loans | 0.7955% | 1,831 |
| Net loans and leases to total assets | 70.3791% | 1,894 |
| Net loans and leases to deposits | 77.6632% | 2,564 |
| Net loans and leases to core deposits | 82.1670% | 2,650 |
| Total domestic deposits to total assets | 90.6209% | 255 |
| Equity capital to assets | 9.0077% | 4,116 |
| Core capital (leverage) ratio | 8.8153% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1494% | 1,463 |
| Memoranda: | ||
| Average total assets | $112,735,000 | 3,838 |
| Average earning assets | $105,828,250 | 3,824 |
| Average equity | $10,146,750 | 4,193 |
| Average total loans | $80,421,000 | 3,569 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1785% | 595 |
| Cost of funding earning assets | 0.5293% | 3,352 |
| Net interest margin | 4.6492% | 377 |
| Noninterest income to average assets | 0.3730% | 3,240 |
| Noninterest expense to average assets | 3.5958% | 658 |
| Loan and lease loss provision to assets | 0.3301% | 1,292 |
| Net operating income to assets | 0.6210% | 3,671 |
| Return on assets (ROA) | 0.6210% | 3,748 |
| Pretax return on assets | 0.8048% | 3,570 |
| Return on Equity (ROE) | 6.9016% | 3,169 |
| Retained earnings to average equity (ytd only) | 5.6521% | 2,211 |
| Net charge-offs to loans | 0.1949% | 787 |
| Credit loss provision to net charge-offs | 237.1795% | 1,785 |
| Earnings coverage of net charge-offs (x) | 8.1538% | 2,316 |
| Efficiency ratio | 76.0091% | 1,264 |
| Assets per employee ($millions) | 3.1885% | 4,791 |
| Cash dividends to net income (ytd only)* | 18.1034% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,544 |
| Loan loss allowance to noncurrent loans | 103.4571% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 1,201 |
| Noncurrent loans to loans | 0.9719% | 1,592 |
| Net loans and leases to total assets | 69.3005% | 2,141 |
| Net loans and leases to deposits | 76.4466% | 2,811 |
| Net loans and leases to core deposits | 81.1441% | 2,856 |
| Total domestic deposits to total assets | 90.6523% | 236 |
| Equity capital to assets | 8.9967% | 4,088 |
| Core capital (leverage) ratio | 8.8473% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1144% | 1,462 |
| Memoranda: | ||
| Average total assets | $112,075,667 | 3,831 |
| Average earning assets | $105,050,667 | 3,823 |
| Average equity | $10,084,667 | 4,211 |
| Average total loans | $80,034,333 | 3,571 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0451% | 884 |
| Cost of funding earning assets | 0.5392% | 3,750 |
| Net interest margin | 4.5059% | 497 |
| Noninterest income to average assets | 0.4371% | 2,864 |
| Noninterest expense to average assets | 3.7103% | 692 |
| Loan and lease loss provision to assets | 0.2493% | 1,244 |
| Net operating income to assets | 0.5491% | 3,743 |
| Return on assets (ROA) | 0.5491% | 3,805 |
| Pretax return on assets | 0.7045% | 3,675 |
| Return on Equity (ROE) | 6.1023% | 3,280 |
| Retained earnings to average equity (ytd only) | 4.2957% | 2,576 |
| Net charge-offs to loans | 0.1703% | 776 |
| Credit loss provision to net charge-offs | 202.9412% | 1,404 |
| Earnings coverage of net charge-offs (x) | 7.7647% | 1,899 |
| Efficiency ratio | 79.5507% | 1,188 |
| Assets per employee ($millions) | 3.0766% | 4,759 |
| Cash dividends to net income (ytd only)* | 29.6053% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 4,009 |
| Loan loss allowance to noncurrent loans | 70.3633% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0997% | 1,183 |
| Noncurrent loans to loans | 1.3207% | 1,234 |
| Net loans and leases to total assets | 70.8427% | 2,110 |
| Net loans and leases to deposits | 78.2098% | 2,860 |
| Net loans and leases to core deposits | 84.9711% | 2,767 |
| Total domestic deposits to total assets | 90.5804% | 177 |
| Equity capital to assets | 9.1343% | 4,519 |
| Core capital (leverage) ratio | 8.9987% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2054% | 1,300 |
| Memoranda: | ||
| Average total assets | $110,720,000 | 3,837 |
| Average earning assets | $103,863,500 | 3,821 |
| Average equity | $9,963,500 | 4,245 |
| Average total loans | $79,873,500 | 3,584 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2014% | 989 |
| Cost of funding earning assets | 0.5092% | 4,047 |
| Net interest margin | 4.6921% | 480 |
| Noninterest income to average assets | 0.2887% | 3,961 |
| Noninterest expense to average assets | 3.7225% | 741 |
| Loan and lease loss provision to assets | 0.2179% | 898 |
| Net operating income to assets | 0.5679% | 4,252 |
| Return on assets (ROA) | 0.5679% | 4,303 |
| Pretax return on assets | 0.7377% | 4,116 |
| Return on Equity (ROE) | 6.3651% | 3,795 |
| Retained earnings to average equity (ytd only) | 4.8003% | 2,534 |
| Net charge-offs to loans | 0.1615% | 1,244 |
| Credit loss provision to net charge-offs | 186.2903% | 1,417 |
| Earnings coverage of net charge-offs (x) | 8.1694% | 2,798 |
| Efficiency ratio | 79.5725% | 975 |
| Assets per employee ($millions) | 3.0745% | 4,785 |
| Cash dividends to net income (ytd only)* | 24.5847% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 4,082 |
| Loan loss allowance to noncurrent loans | 79.5687% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.9947% | 1,250 |
| Noncurrent loans to loans | 1.0938% | 1,380 |
| Net loans and leases to total assets | 72.1400% | 2,069 |
| Net loans and leases to deposits | 79.3840% | 2,850 |
| Net loans and leases to core deposits | 86.5052% | 2,754 |
| Total domestic deposits to total assets | 90.8748% | 132 |
| Equity capital to assets | 8.8632% | 4,760 |
| Core capital (leverage) ratio | 9.1457% | 4,407 |
| Tier 1 risk-based capital ratio | 14.6424% | 2,934 |
| Total risk-based capital ratio | 15.6919% | 2,945 |
| Memoranda: | ||
| Average total assets | $106,003,000 | 3,894 |
| Average earning assets | $99,166,000 | 3,886 |
| Average equity | $9,457,800 | 4,310 |
| Average total loans | $76,761,600 | 3,655 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1512% | 1,151 |
| Cost of funding earning assets | 0.5087% | 4,107 |
| Net interest margin | 4.6424% | 559 |
| Noninterest income to average assets | 0.2429% | 4,283 |
| Noninterest expense to average assets | 3.7341% | 714 |
| Loan and lease loss provision to assets | 0.2098% | 830 |
| Net operating income to assets | 0.4935% | 4,531 |
| Return on assets (ROA) | 0.4935% | 4,582 |
| Pretax return on assets | 0.6397% | 4,466 |
| Return on Equity (ROE) | 5.5212% | 4,190 |
| Retained earnings to average equity (ytd only) | 4.3828% | 3,206 |
| Net charge-offs to loans | 0.0633% | 1,919 |
| Credit loss provision to net charge-offs | 458.3333% | 678 |
| Earnings coverage of net charge-offs (x) | 18.5550% | 2,046 |
| Efficiency ratio | 81.4650% | 797 |
| Assets per employee ($millions) | 2.9525% | 4,913 |
| Cash dividends to net income (ytd only)* | 20.6178% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 3,985 |
| Loan loss allowance to noncurrent loans | 99.7241% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.8251% | 1,669 |
| Noncurrent loans to loans | 0.9177% | 1,743 |
| Net loans and leases to total assets | 73.6431% | 1,889 |
| Net loans and leases to deposits | 81.1992% | 2,778 |
| Net loans and leases to core deposits | 86.5933% | 2,857 |
| Total domestic deposits to total assets | 90.6944% | 139 |
| Equity capital to assets | 9.0948% | 4,731 |
| Core capital (leverage) ratio | 9.2009% | 4,475 |
| Tier 1 risk-based capital ratio | 14.4572% | 3,098 |
| Total risk-based capital ratio | 15.5422% | 3,084 |
| Memoranda: | ||
| Average total assets | $104,833,250 | 3,960 |
| Average earning assets | $98,020,750 | 3,941 |
| Average equity | $9,369,750 | 4,372 |
| Average total loans | $75,815,250 | 3,710 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0730% | 1,296 |
| Cost of funding earning assets | 0.5055% | 4,098 |
| Net interest margin | 4.5676% | 661 |
| Noninterest income to average assets | 0.2396% | 4,323 |
| Noninterest expense to average assets | 3.7394% | 714 |
| Loan and lease loss provision to assets | 0.2396% | 655 |
| Net operating income to assets | 0.4198% | 4,699 |
| Return on assets (ROA) | 0.4198% | 4,723 |
| Pretax return on assets | 0.5213% | 4,662 |
| Return on Equity (ROE) | 4.7246% | 4,415 |
| Retained earnings to average equity (ytd only) | 3.3870% | 3,544 |
| Net charge-offs to loans | 0.1284% | 1,173 |
| Credit loss provision to net charge-offs | 260.4167% | 991 |
| Earnings coverage of net charge-offs (x) | 8.2708% | 2,430 |
| Efficiency ratio | 83.0920% | 723 |
| Assets per employee ($millions) | 2.8877% | 4,975 |
| Cash dividends to net income (ytd only)* | 28.3105% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 4,119 |
| Loan loss allowance to noncurrent loans | 74.5556% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.1928% | 1,112 |
| Noncurrent loans to loans | 1.1979% | 1,339 |
| Net loans and leases to total assets | 71.6238% | 2,262 |
| Net loans and leases to deposits | 78.9720% | 3,063 |
| Net loans and leases to core deposits | 83.7991% | 3,122 |
| Total domestic deposits to total assets | 90.6952% | 156 |
| Equity capital to assets | 9.0980% | 4,741 |
| Core capital (leverage) ratio | 9.1432% | 4,514 |
| Tier 1 risk-based capital ratio | 14.5693% | 3,032 |
| Total risk-based capital ratio | 15.6002% | 3,063 |
| Memoranda: | ||
| Average total assets | $104,347,330 | 3,996 |
| Average earning assets | $97,338,330 | 3,982 |
| Average equity | $9,270,670 | 4,400 |
| Average total loans | $74,754,000 | 3,747 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 1,387 |
| Cost of funding earning assets | 0.5045% | 4,037 |
| Net interest margin | 4.4749% | 775 |
| Noninterest income to average assets | 0.2831% | 3,983 |
| Noninterest expense to average assets | 3.6808% | 770 |
| Loan and lease loss provision to assets | 0.2640% | 538 |
| Net operating income to assets | 0.4247% | 4,680 |
| Return on assets (ROA) | 0.4247% | 4,691 |
| Pretax return on assets | 0.5127% | 4,653 |
| Return on Equity (ROE) | 4.8382% | 4,370 |
| Retained earnings to average equity (ytd only) | 2.9203% | 3,770 |
| Net charge-offs to loans | 0.4077% | 377 |
| Credit loss provision to net charge-offs | 90.7895% | 1,714 |
| Earnings coverage of net charge-offs (x) | 2.6711% | 2,473 |
| Efficiency ratio | 82.5751% | 823 |
| Assets per employee ($millions) | 2.9250% | 5,011 |
| Cash dividends to net income (ytd only)* | 39.6396% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7864% | 4,563 |
| Loan loss allowance to noncurrent loans | 56.7698% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.4065% | 887 |
| Noncurrent loans to loans | 1.3853% | 1,170 |
| Net loans and leases to total assets | 70.3276% | 2,435 |
| Net loans and leases to deposits | 77.2775% | 3,135 |
| Net loans and leases to core deposits | 82.3556% | 3,158 |
| Total domestic deposits to total assets | 91.0066% | 171 |
| Equity capital to assets | 8.8253% | 4,805 |
| Core capital (leverage) ratio | 9.1278% | 4,544 |
| Tier 1 risk-based capital ratio | 14.4514% | 3,117 |
| Total risk-based capital ratio | 15.3546% | 3,217 |
| Memoranda: | ||
| Average total assets | $104,542,500 | 4,031 |
| Average earning assets | $97,521,500 | 4,019 |
| Average equity | $9,177,000 | 4,440 |
| Average total loans | $74,566,500 | 3,790 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0113% | 1,023 |
| Cost of funding earning assets | 0.4606% | 3,606 |
| Net interest margin | 4.5507% | 692 |
| Noninterest income to average assets | 0.4617% | 3,040 |
| Noninterest expense to average assets | 3.6736% | 802 |
| Loan and lease loss provision to assets | 0.4419% | 292 |
| Net operating income to assets | 0.4802% | 4,701 |
| Return on assets (ROA) | 0.4785% | 4,708 |
| Pretax return on assets | 0.5627% | 4,699 |
| Return on Equity (ROE) | 5.4632% | 4,338 |
| Retained earnings to average equity (ytd only) | 4.5357% | 3,032 |
| Net charge-offs to loans | 0.5474% | 320 |
| Credit loss provision to net charge-offs | 110.9453% | 2,326 |
| Earnings coverage of net charge-offs (x) | 2.5274% | 3,509 |
| Efficiency ratio | 78.4928% | 1,088 |
| Assets per employee ($millions) | 2.8829% | 5,054 |
| Cash dividends to net income (ytd only)* | 16.9772% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 4,545 |
| Loan loss allowance to noncurrent loans | 47.3307% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.6843% | 640 |
| Noncurrent loans to loans | 1.6848% | 862 |
| Net loans and leases to total assets | 71.2020% | 2,396 |
| Net loans and leases to deposits | 78.1987% | 3,141 |
| Net loans and leases to core deposits | 84.4383% | 3,038 |
| Total domestic deposits to total assets | 91.0527% | 194 |
| Equity capital to assets | 8.7305% | 4,780 |
| Core capital (leverage) ratio | 9.0006% | 4,655 |
| Tier 1 risk-based capital ratio | 14.3645% | 3,133 |
| Total risk-based capital ratio | 15.2793% | 3,208 |
| Memoranda: | ||
| Average total assets | $100,936,000 | 4,086 |
| Average earning assets | $93,568,000 | 4,072 |
| Average equity | $8,841,000 | 4,477 |
| Average total loans | $73,438,200 | 3,799 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9929% | 952 |
| Cost of funding earning assets | 0.4382% | 3,611 |
| Net interest margin | 4.5547% | 663 |
| Noninterest income to average assets | 0.4443% | 3,209 |
| Noninterest expense to average assets | 3.6451% | 800 |
| Loan and lease loss provision to assets | 0.3020% | 486 |
| Net operating income to assets | 0.5595% | 4,621 |
| Return on assets (ROA) | 0.5574% | 4,631 |
| Pretax return on assets | 0.7117% | 4,504 |
| Return on Equity (ROE) | 6.3584% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.4176% | 2,999 |
| Net charge-offs to loans | 0.3334% | 498 |
| Credit loss provision to net charge-offs | 124.0437% | 1,947 |
| Earnings coverage of net charge-offs (x) | 4.1749% | 3,094 |
| Efficiency ratio | 78.1963% | 1,102 |
| Assets per employee ($millions) | 2.8259% | 5,143 |
| Cash dividends to net income (ytd only)* | 14.7964% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 4,658 |
| Loan loss allowance to noncurrent loans | 74.1573% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 2.0632% | 507 |
| Noncurrent loans to loans | 1.0648% | 1,604 |
| Net loans and leases to total assets | 73.3616% | 2,101 |
| Net loans and leases to deposits | 80.6242% | 2,970 |
| Net loans and leases to core deposits | 88.4298% | 2,804 |
| Total domestic deposits to total assets | 90.9921% | 223 |
| Equity capital to assets | 8.7631% | 4,745 |
| Core capital (leverage) ratio | 9.0902% | 4,618 |
| Tier 1 risk-based capital ratio | 14.0660% | 3,340 |
| Total risk-based capital ratio | 14.9661% | 3,420 |
| Memoranda: | ||
| Average total assets | $100,223,750 | 4,141 |
| Average earning assets | $92,796,250 | 4,129 |
| Average equity | $8,786,000 | 4,528 |
| Average total loans | $73,175,000 | 3,846 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9073% | 1,004 |
| Cost of funding earning assets | 0.4055% | 3,686 |
| Net interest margin | 4.5018% | 700 |
| Noninterest income to average assets | 0.3911% | 3,544 |
| Noninterest expense to average assets | 3.6803% | 789 |
| Loan and lease loss provision to assets | 0.2467% | 623 |
| Net operating income to assets | 0.4965% | 4,759 |
| Return on assets (ROA) | 0.4934% | 4,765 |
| Pretax return on assets | 0.6237% | 4,695 |
| Return on Equity (ROE) | 5.6274% | 4,371 |
| Retained earnings to average equity (ytd only) | 4.2091% | 3,503 |
| Net charge-offs to loans | 0.2207% | 722 |
| Credit loss provision to net charge-offs | 153.7500% | 1,557 |
| Earnings coverage of net charge-offs (x) | 5.4500% | 2,708 |
| Efficiency ratio | 80.8014% | 931 |
| Assets per employee ($millions) | 2.7301% | 5,248 |
| Cash dividends to net income (ytd only)* | 25.2033% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 4,697 |
| Loan loss allowance to noncurrent loans | 83.4037% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.9809% | 548 |
| Noncurrent loans to loans | 0.9578% | 1,816 |
| Net loans and leases to total assets | 72.9020% | 2,137 |
| Net loans and leases to deposits | 80.0161% | 2,948 |
| Net loans and leases to core deposits | 86.6489% | 2,857 |
| Total domestic deposits to total assets | 91.1092% | 225 |
| Equity capital to assets | 8.6740% | 4,824 |
| Core capital (leverage) ratio | 9.1515% | 4,519 |
| Tier 1 risk-based capital ratio | 14.2117% | 3,256 |
| Total risk-based capital ratio | 15.1368% | 3,329 |
| Memoranda: | ||
| Average total assets | $99,720,670 | 4,178 |
| Average earning assets | $92,229,330 | 4,176 |
| Average equity | $8,743,000 | 4,574 |
| Average total loans | $72,491,000 | 3,883 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 863 |
| Cost of funding earning assets | 0.3844% | 3,702 |
| Net interest margin | 4.5205% | 591 |
| Noninterest income to average assets | 0.3149% | 4,048 |
| Noninterest expense to average assets | 3.7144% | 743 |
| Loan and lease loss provision to assets | 0.2180% | 725 |
| Net operating income to assets | 0.4643% | 4,782 |
| Return on assets (ROA) | 0.4643% | 4,787 |
| Pretax return on assets | 0.5612% | 4,765 |
| Return on Equity (ROE) | 5.2671% | 4,393 |
| Retained earnings to average equity (ytd only) | 3.3434% | 3,874 |
| Net charge-offs to loans | 0.2569% | 599 |
| Credit loss provision to net charge-offs | 117.3913% | 1,400 |
| Earnings coverage of net charge-offs (x) | 4.1957% | 2,322 |
| Efficiency ratio | 82.6595% | 890 |
| Assets per employee ($millions) | 2.7660% | 5,303 |
| Cash dividends to net income (ytd only)* | 36.5217% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7685% | 4,870 |
| Loan loss allowance to noncurrent loans | 78.5915% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 2.1552% | 495 |
| Noncurrent loans to loans | 0.9778% | 1,865 |
| Net loans and leases to total assets | 72.3585% | 2,115 |
| Net loans and leases to deposits | 79.4835% | 2,869 |
| Net loans and leases to core deposits | 85.1979% | 2,872 |
| Total domestic deposits to total assets | 91.0359% | 306 |
| Equity capital to assets | 8.7422% | 4,790 |
| Core capital (leverage) ratio | 9.1724% | 4,473 |
| Tier 1 risk-based capital ratio | 14.2396% | 3,257 |
| Total risk-based capital ratio | 15.1226% | 3,365 |
| Memoranda: | ||
| Average total assets | $99,073,500 | 4,237 |
| Average earning assets | $91,582,000 | 4,241 |
| Average equity | $8,733,500 | 4,620 |
| Average total loans | $71,619,000 | 3,934 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7036% | 1,187 |
| Cost of funding earning assets | 0.3541% | 3,673 |
| Net interest margin | 4.3495% | 862 |
| Noninterest income to average assets | 0.4142% | 3,540 |
| Noninterest expense to average assets | 3.7752% | 714 |
| Loan and lease loss provision to assets | 0.1972% | 1,056 |
| Net operating income to assets | 0.1755% | 5,153 |
| Return on assets (ROA) | 0.1682% | 5,174 |
| Pretax return on assets | 0.4339% | 5,036 |
| Return on Equity (ROE) | 1.8408% | 5,093 |
| Retained earnings to average equity (ytd only) | 0.8181% | 4,705 |
| Net charge-offs to loans | 0.3120% | 817 |
| Credit loss provision to net charge-offs | 92.6829% | 2,733 |
| Earnings coverage of net charge-offs (x) | 3.0195% | 3,661 |
| Efficiency ratio | 85.4558% | 676 |
| Assets per employee ($millions) | 2.7381% | 5,365 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 4,887 |
| Loan loss allowance to noncurrent loans | 55.8943% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 2.5514% | 361 |
| Noncurrent loans to loans | 1.3932% | 1,235 |
| Net loans and leases to total assets | 71.0942% | 2,365 |
| Net loans and leases to deposits | 78.2010% | 3,096 |
| Net loans and leases to core deposits | 83.6544% | 3,085 |
| Total domestic deposits to total assets | 90.9122% | 262 |
| Equity capital to assets | 8.8889% | 4,827 |
| Core capital (leverage) ratio | 9.1349% | 4,482 |
| Tier 1 risk-based capital ratio | 14.3884% | 3,145 |
| Total risk-based capital ratio | 15.2750% | 3,252 |
| Memoranda: | ||
| Average total assets | $96,338,200 | 4,308 |
| Average earning assets | $88,677,600 | 4,318 |
| Average equity | $8,800,600 | 4,646 |
| Average total loans | $65,709,600 | 4,060 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 1,308 |
| Cost of funding earning assets | 0.3483% | 3,687 |
| Net interest margin | 4.2767% | 980 |
| Noninterest income to average assets | 0.4580% | 3,288 |
| Noninterest expense to average assets | 3.7836% | 688 |
| Loan and lease loss provision to assets | 0.1879% | 1,038 |
| Net operating income to assets | 0.3222% | 5,175 |
| Return on assets (ROA) | 0.3104% | 5,220 |
| Pretax return on assets | 0.4023% | 5,188 |
| Return on Equity (ROE) | 3.3748% | 5,018 |
| Retained earnings to average equity (ytd only) | 2.0128% | 4,635 |
| Net charge-offs to loans | 0.2936% | 723 |
| Credit loss provision to net charge-offs | 95.0704% | 2,387 |
| Earnings coverage of net charge-offs (x) | 3.0634% | 3,383 |
| Efficiency ratio | 86.2036% | 620 |
| Assets per employee ($millions) | 2.6841% | 5,444 |
| Cash dividends to net income (ytd only)* | 40.3592% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 4,855 |
| Loan loss allowance to noncurrent loans | 46.7728% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 2.9019% | 317 |
| Noncurrent loans to loans | 1.7416% | 1,031 |
| Net loans and leases to total assets | 70.3140% | 2,512 |
| Net loans and leases to deposits | 77.6571% | 3,202 |
| Net loans and leases to core deposits | 83.2145% | 3,199 |
| Total domestic deposits to total assets | 90.5441% | 313 |
| Equity capital to assets | 9.2261% | 4,705 |
| Core capital (leverage) ratio | 9.4292% | 4,255 |
| Tier 1 risk-based capital ratio | 14.4344% | 3,219 |
| Total risk-based capital ratio | 15.3320% | 3,315 |
| Memoranda: | ||
| Average total assets | $95,779,750 | 4,356 |
| Average earning assets | $88,041,500 | 4,374 |
| Average equity | $8,810,250 | 4,692 |
| Average total loans | $64,479,750 | 4,116 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 1,265 |
| Cost of funding earning assets | 0.3447% | 3,638 |
| Net interest margin | 4.2480% | 978 |
| Noninterest income to average assets | 0.4628% | 3,267 |
| Noninterest expense to average assets | 3.7446% | 723 |
| Loan and lease loss provision to assets | 0.1885% | 995 |
| Net operating income to assets | 0.3342% | 5,138 |
| Return on assets (ROA) | 0.3162% | 5,203 |
| Pretax return on assets | 0.4042% | 5,172 |
| Return on Equity (ROE) | 3.4415% | 4,990 |
| Retained earnings to average equity (ytd only) | 2.0740% | 4,425 |
| Net charge-offs to loans | 0.1299% | 1,385 |
| Credit loss provision to net charge-offs | 219.5122% | 1,184 |
| Earnings coverage of net charge-offs (x) | 7.1707% | 2,632 |
| Efficiency ratio | 85.8790% | 698 |
| Assets per employee ($millions) | 2.6953% | 5,474 |
| Cash dividends to net income (ytd only)* | 39.7351% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 4,446 |
| Loan loss allowance to noncurrent loans | 59.9024% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 2.7363% | 361 |
| Noncurrent loans to loans | 1.5749% | 1,186 |
| Net loans and leases to total assets | 66.4434% | 3,039 |
| Net loans and leases to deposits | 73.2880% | 3,621 |
| Net loans and leases to core deposits | 78.7295% | 3,528 |
| Total domestic deposits to total assets | 90.6606% | 307 |
| Equity capital to assets | 9.1518% | 4,757 |
| Core capital (leverage) ratio | 9.4819% | 4,145 |
| Tier 1 risk-based capital ratio | 15.1800% | 2,848 |
| Total risk-based capital ratio | 16.2236% | 2,873 |
| Memoranda: | ||
| Average total assets | $95,497,000 | 4,387 |
| Average earning assets | $87,617,330 | 4,406 |
| Average equity | $8,775,330 | 4,724 |
| Average total loans | $63,139,330 | 4,172 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 1,192 |
| Cost of funding earning assets | 0.3599% | 3,420 |
| Net interest margin | 4.2175% | 954 |
| Noninterest income to average assets | 0.4476% | 3,327 |
| Noninterest expense to average assets | 3.9016% | 599 |
| Loan and lease loss provision to assets | 0.1900% | 880 |
| Net operating income to assets | 0.2238% | 5,358 |
| Return on assets (ROA) | 0.2238% | 5,369 |
| Pretax return on assets | 0.2153% | 5,418 |
| Return on Equity (ROE) | 2.4304% | 5,249 |
| Retained earnings to average equity (ytd only) | 1.0547% | 4,634 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5882% | 525 |
| Assets per employee ($millions) | 2.7220% | 5,528 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 4,441 |
| Loan loss allowance to noncurrent loans | 52.1368% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 3.1017% | 311 |
| Noncurrent loans to loans | 1.8617% | 993 |
| Net loans and leases to total assets | 65.3263% | 3,072 |
| Net loans and leases to deposits | 72.0794% | 3,608 |
| Net loans and leases to core deposits | 75.7620% | 3,677 |
| Total domestic deposits to total assets | 90.6309% | 418 |
| Equity capital to assets | 9.1906% | 4,623 |
| Core capital (leverage) ratio | 9.3606% | 4,266 |
| Tier 1 risk-based capital ratio | 15.5103% | 2,751 |
| Total risk-based capital ratio | 16.5777% | 2,755 |
| Memoranda: | ||
| Average total assets | $94,730,500 | 4,447 |
| Average earning assets | $86,685,500 | 4,463 |
| Average equity | $8,723,000 | 4,764 |
| Average total loans | $62,167,000 | 4,237 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5922% | 1,300 |
| Cost of funding earning assets | 0.3688% | 3,326 |
| Net interest margin | 4.2234% | 1,066 |
| Noninterest income to average assets | 0.4177% | 3,758 |
| Noninterest expense to average assets | 3.7489% | 827 |
| Loan and lease loss provision to assets | 0.1616% | 1,531 |
| Net operating income to assets | 0.2923% | 5,238 |
| Return on assets (ROA) | 0.2923% | 5,306 |
| Pretax return on assets | 0.3656% | 5,270 |
| Return on Equity (ROE) | 3.1427% | 5,122 |
| Retained earnings to average equity (ytd only) | 1.7713% | 4,519 |
| Net charge-offs to loans | 0.3115% | 884 |
| Credit loss provision to net charge-offs | 80.0000% | 2,972 |
| Earnings coverage of net charge-offs (x) | 2.6105% | 3,798 |
| Efficiency ratio | 87.6709% | 700 |
| Assets per employee ($millions) | 2.5457% | 5,642 |
| Cash dividends to net income (ytd only)* | 43.6364% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 4,702 |
| Loan loss allowance to noncurrent loans | 60.1064% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 3.0715% | 318 |
| Noncurrent loans to loans | 1.5288% | 1,306 |
| Net loans and leases to total assets | 64.6799% | 3,261 |
| Net loans and leases to deposits | 71.3974% | 3,770 |
| Net loans and leases to core deposits | 74.8409% | 3,850 |
| Total domestic deposits to total assets | 90.5914% | 422 |
| Equity capital to assets | 9.2260% | 4,550 |
| Core capital (leverage) ratio | 9.4976% | 4,083 |
| Tier 1 risk-based capital ratio | 15.8597% | 2,604 |
| Total risk-based capital ratio | 16.8733% | 2,627 |
| Memoranda: | ||
| Average total assets | $94,081,000 | 4,464 |
| Average earning assets | $85,950,400 | 4,471 |
| Average equity | $8,750,400 | 4,794 |
| Average total loans | $61,004,400 | 4,264 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 1,372 |
| Cost of funding earning assets | 0.3726% | 3,306 |
| Net interest margin | 4.1931% | 1,137 |
| Noninterest income to average assets | 0.3969% | 3,945 |
| Noninterest expense to average assets | 3.8062% | 739 |
| Loan and lease loss provision to assets | 0.1729% | 1,302 |
| Net operating income to assets | 0.2211% | 5,433 |
| Return on assets (ROA) | 0.2211% | 5,496 |
| Pretax return on assets | 0.2467% | 5,526 |
| Return on Equity (ROE) | 2.3728% | 5,391 |
| Retained earnings to average equity (ytd only) | 1.4603% | 4,928 |
| Net charge-offs to loans | 0.2562% | 917 |
| Credit loss provision to net charge-offs | 104.2735% | 2,291 |
| Earnings coverage of net charge-offs (x) | 2.5299% | 3,554 |
| Efficiency ratio | 90.0704% | 554 |
| Assets per employee ($millions) | 2.6693% | 5,623 |
| Cash dividends to net income (ytd only)* | 38.4634% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 4,556 |
| Loan loss allowance to noncurrent loans | 57.9600% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 3.0398% | 375 |
| Noncurrent loans to loans | 1.6753% | 1,260 |
| Net loans and leases to total assets | 66.3702% | 3,057 |
| Net loans and leases to deposits | 73.5447% | 3,637 |
| Net loans and leases to core deposits | 76.8593% | 3,765 |
| Total domestic deposits to total assets | 90.2447% | 388 |
| Equity capital to assets | 9.4620% | 4,699 |
| Core capital (leverage) ratio | 9.4928% | 4,195 |
| Tier 1 risk-based capital ratio | 15.6233% | 2,780 |
| Total risk-based capital ratio | 16.7049% | 2,780 |
| Memoranda: | ||
| Average total assets | $94,053,750 | 4,504 |
| Average earning assets | $85,884,750 | 4,509 |
| Average equity | $8,765,500 | 4,844 |
| Average total loans | $60,883,750 | 4,298 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4784% | 1,580 |
| Cost of funding earning assets | 0.3680% | 3,378 |
| Net interest margin | 4.1105% | 1,340 |
| Noninterest income to average assets | 0.3883% | 3,966 |
| Noninterest expense to average assets | 3.7958% | 771 |
| Loan and lease loss provision to assets | 0.1952% | 1,112 |
| Net operating income to assets | 0.1613% | 5,593 |
| Return on assets (ROA) | 0.1613% | 5,642 |
| Pretax return on assets | 0.1422% | 5,678 |
| Return on Equity (ROE) | 1.7390% | 5,568 |
| Retained earnings to average equity (ytd only) | 0.8237% | 5,053 |
| Net charge-offs to loans | 0.2952% | 809 |
| Credit loss provision to net charge-offs | 103.3708% | 2,048 |
| Earnings coverage of net charge-offs (x) | 1.7865% | 3,364 |
| Efficiency ratio | 91.8378% | 504 |
| Assets per employee ($millions) | 2.6751% | 5,690 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 4,601 |
| Loan loss allowance to noncurrent loans | 63.4555% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 2.9564% | 418 |
| Noncurrent loans to loans | 1.5490% | 1,394 |
| Net loans and leases to total assets | 65.2002% | 3,199 |
| Net loans and leases to deposits | 72.1555% | 3,771 |
| Net loans and leases to core deposits | 76.2519% | 3,797 |
| Total domestic deposits to total assets | 90.3607% | 364 |
| Equity capital to assets | 9.3712% | 4,892 |
| Core capital (leverage) ratio | 9.3766% | 4,363 |
| Tier 1 risk-based capital ratio | 15.8527% | 2,713 |
| Total risk-based capital ratio | 16.9541% | 2,716 |
| Memoranda: | ||
| Average total assets | $94,263,000 | 4,537 |
| Average earning assets | $85,878,670 | 4,545 |
| Average equity | $8,740,670 | 4,884 |
| Average total loans | $60,306,670 | 4,334 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 1,904 |
| Cost of funding earning assets | 0.3538% | 3,562 |
| Net interest margin | 4.0126% | 1,576 |
| Noninterest income to average assets | 0.5286% | 2,943 |
| Noninterest expense to average assets | 3.6625% | 945 |
| Loan and lease loss provision to assets | 0.2538% | 686 |
| Net operating income to assets | 0.2368% | 5,458 |
| Return on assets (ROA) | 0.2368% | 5,522 |
| Pretax return on assets | 0.2580% | 5,569 |
| Return on Equity (ROE) | 2.5676% | 5,366 |
| Retained earnings to average equity (ytd only) | 2.5676% | 4,216 |
| Net charge-offs to loans | 0.3622% | 610 |
| Credit loss provision to net charge-offs | 111.1111% | 1,504 |
| Earnings coverage of net charge-offs (x) | 2.2407% | 2,716 |
| Efficiency ratio | 87.7406% | 834 |
| Assets per employee ($millions) | 2.5996% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 4,498 |
| Loan loss allowance to noncurrent loans | 54.6679% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 3.5892% | 304 |
| Noncurrent loans to loans | 1.8637% | 1,189 |
| Net loans and leases to total assets | 63.2171% | 3,351 |
| Net loans and leases to deposits | 69.9765% | 3,863 |
| Net loans and leases to core deposits | 74.0648% | 3,892 |
| Total domestic deposits to total assets | 90.3405% | 485 |
| Equity capital to assets | 9.3913% | 4,778 |
| Core capital (leverage) ratio | 9.4018% | 4,345 |
| Tier 1 risk-based capital ratio | 15.9993% | 2,684 |
| Total risk-based capital ratio | 17.1138% | 2,684 |
| Memoranda: | ||
| Average total assets | $94,581,000 | 4,565 |
| Average earning assets | $85,930,000 | 4,578 |
| Average equity | $8,724,000 | 4,916 |
| Average total loans | $59,634,500 | 4,384 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 1,831 |
| Cost of funding earning assets | 0.3560% | 3,639 |
| Net interest margin | 4.0652% | 1,501 |
| Noninterest income to average assets | 0.3889% | 4,117 |
| Noninterest expense to average assets | 3.7645% | 901 |
| Loan and lease loss provision to assets | 0.1286% | 1,874 |
| Net operating income to assets | 0.1864% | 5,606 |
| Return on assets (ROA) | 0.1864% | 5,656 |
| Pretax return on assets | 0.1907% | 5,694 |
| Return on Equity (ROE) | 2.0181% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.0181% | 4,576 |
| Net charge-offs to loans | 0.7884% | 287 |
| Credit loss provision to net charge-offs | 26.3736% | 3,691 |
| Earnings coverage of net charge-offs (x) | 0.6549% | 4,197 |
| Efficiency ratio | 92.1826% | 562 |
| Assets per employee ($millions) | 2.6549% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 4,525 |
| Loan loss allowance to noncurrent loans | 53.6477% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 3.8064% | 280 |
| Noncurrent loans to loans | 1.8892% | 1,133 |
| Net loans and leases to total assets | 61.6207% | 3,616 |
| Net loans and leases to deposits | 67.9928% | 4,130 |
| Net loans and leases to core deposits | 71.8421% | 4,149 |
| Total domestic deposits to total assets | 90.6283% | 396 |
| Equity capital to assets | 9.0599% | 5,068 |
| Core capital (leverage) ratio | 9.1533% | 4,679 |
| Tier 1 risk-based capital ratio | 16.1297% | 2,634 |
| Total risk-based capital ratio | 17.2494% | 2,629 |
| Memoranda: | ||
| Average total assets | $93,346,200 | 4,598 |
| Average earning assets | $84,843,000 | 4,612 |
| Average equity | $8,622,000 | 4,925 |
| Average total loans | $57,713,000 | 4,435 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4372% | 1,794 |
| Cost of funding earning assets | 0.3543% | 3,704 |
| Net interest margin | 4.0829% | 1,448 |
| Noninterest income to average assets | 0.3765% | 4,242 |
| Noninterest expense to average assets | 3.6182% | 1,089 |
| Loan and lease loss provision to assets | 0.1293% | 1,751 |
| Net operating income to assets | 0.2788% | 5,516 |
| Return on assets (ROA) | 0.2788% | 5,592 |
| Pretax return on assets | 0.3377% | 5,580 |
| Return on Equity (ROE) | 3.0032% | 5,390 |
| Retained earnings to average equity (ytd only) | 3.0032% | 4,304 |
| Net charge-offs to loans | 0.7264% | 290 |
| Credit loss provision to net charge-offs | 28.8462% | 3,285 |
| Earnings coverage of net charge-offs (x) | 1.0417% | 3,888 |
| Efficiency ratio | 88.5684% | 793 |
| Assets per employee ($millions) | 2.6962% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 3,362 |
| Loan loss allowance to noncurrent loans | 72.4696% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 3.3995% | 386 |
| Noncurrent loans to loans | 1.7260% | 1,393 |
| Net loans and leases to total assets | 59.8995% | 3,893 |
| Net loans and leases to deposits | 66.2401% | 4,366 |
| Net loans and leases to core deposits | 70.0377% | 4,365 |
| Total domestic deposits to total assets | 90.4279% | 411 |
| Equity capital to assets | 9.2595% | 5,047 |
| Core capital (leverage) ratio | 9.3338% | 4,538 |
| Tier 1 risk-based capital ratio | 16.5061% | 2,572 |
| Total risk-based capital ratio | 17.7576% | 2,536 |
| Memoranda: | ||
| Average total assets | $92,789,000 | 4,657 |
| Average earning assets | $84,285,000 | 4,684 |
| Average equity | $8,612,750 | 4,994 |
| Average total loans | $57,267,000 | 4,492 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 1,739 |
| Cost of funding earning assets | 0.3505% | 3,804 |
| Net interest margin | 4.0818% | 1,403 |
| Noninterest income to average assets | 0.3035% | 4,783 |
| Noninterest expense to average assets | 3.6418% | 1,058 |
| Loan and lease loss provision to assets | 0.1301% | 1,703 |
| Net operating income to assets | 0.2189% | 5,649 |
| Return on assets (ROA) | 0.2189% | 5,721 |
| Pretax return on assets | 0.2428% | 5,752 |
| Return on Equity (ROE) | 2.3568% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.3568% | 4,557 |
| Net charge-offs to loans | 0.6530% | 353 |
| Credit loss provision to net charge-offs | 32.0856% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.9198% | 3,603 |
| Efficiency ratio | 90.7127% | 704 |
| Assets per employee ($millions) | 2.6711% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 2,628 |
| Loan loss allowance to noncurrent loans | 42.5498% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 4.1641% | 307 |
| Noncurrent loans to loans | 3.3552% | 540 |
| Net loans and leases to total assets | 59.8962% | 3,852 |
| Net loans and leases to deposits | 66.1708% | 4,326 |
| Net loans and leases to core deposits | 69.6714% | 4,350 |
| Total domestic deposits to total assets | 90.5177% | 445 |
| Equity capital to assets | 9.2042% | 5,011 |
| Core capital (leverage) ratio | 9.2077% | 4,679 |
| Tier 1 risk-based capital ratio | 16.4912% | 2,608 |
| Total risk-based capital ratio | 17.7453% | 2,564 |
| Memoranda: | ||
| Average total assets | $92,262,670 | 4,720 |
| Average earning assets | $83,883,670 | 4,734 |
| Average equity | $8,571,000 | 5,043 |
| Average total loans | $57,275,330 | 4,531 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 1,606 |
| Cost of funding earning assets | 0.3509% | 3,851 |
| Net interest margin | 4.1005% | 1,276 |
| Noninterest income to average assets | 0.2924% | 4,832 |
| Noninterest expense to average assets | 3.5527% | 1,207 |
| Loan and lease loss provision to assets | 0.1309% | 1,583 |
| Net operating income to assets | 0.2837% | 5,470 |
| Return on assets (ROA) | 0.2837% | 5,565 |
| Pretax return on assets | 0.3317% | 5,571 |
| Return on Equity (ROE) | 3.0395% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.0395% | 4,160 |
| Net charge-offs to loans | 0.7512% | 309 |
| Credit loss provision to net charge-offs | 27.7778% | 2,292 |
| Earnings coverage of net charge-offs (x) | 0.9815% | 2,981 |
| Efficiency ratio | 88.4783% | 976 |
| Assets per employee ($millions) | 2.7842% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 2,434 |
| Loan loss allowance to noncurrent loans | 43.5223% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 4.3742% | 311 |
| Noncurrent loans to loans | 3.4513% | 559 |
| Net loans and leases to total assets | 61.3768% | 3,468 |
| Net loans and leases to deposits | 67.9475% | 3,962 |
| Net loans and leases to core deposits | 70.9524% | 4,068 |
| Total domestic deposits to total assets | 90.3298% | 594 |
| Equity capital to assets | 9.3818% | 4,878 |
| Core capital (leverage) ratio | 9.4032% | 4,428 |
| Tier 1 risk-based capital ratio | 16.5595% | 2,659 |
| Total risk-based capital ratio | 17.8145% | 2,603 |
| Memoranda: | ||
| Average total assets | $91,649,000 | 4,773 |
| Average earning assets | $83,208,500 | 4,792 |
| Average equity | $8,554,000 | 5,086 |
| Average total loans | $57,509,000 | 4,560 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5563% | 1,677 |
| Cost of funding earning assets | 0.3787% | 3,924 |
| Net interest margin | 4.1776% | 1,361 |
| Noninterest income to average assets | 0.3406% | 4,667 |
| Noninterest expense to average assets | 3.8386% | 930 |
| Loan and lease loss provision to assets | 0.2960% | 695 |
| Net operating income to assets | 0.0653% | 6,002 |
| Return on assets (ROA) | 0.0653% | 6,029 |
| Pretax return on assets | 0.0120% | 6,083 |
| Return on Equity (ROE) | 0.7093% | 6,005 |
| Retained earnings to average equity (ytd only) | 0.7093% | 5,447 |
| Net charge-offs to loans | 0.8064% | 432 |
| Credit loss provision to net charge-offs | 55.7377% | 3,361 |
| Earnings coverage of net charge-offs (x) | 0.5799% | 4,609 |
| Efficiency ratio | 92.5722% | 672 |
| Assets per employee ($millions) | 2.7702% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 2,016 |
| Loan loss allowance to noncurrent loans | 41.2489% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 4.7113% | 312 |
| Noncurrent loans to loans | 3.9366% | 481 |
| Net loans and leases to total assets | 62.1617% | 3,476 |
| Net loans and leases to deposits | 68.7787% | 4,055 |
| Net loans and leases to core deposits | 71.8274% | 4,144 |
| Total domestic deposits to total assets | 90.3794% | 582 |
| Equity capital to assets | 9.2848% | 4,964 |
| Core capital (leverage) ratio | 9.3432% | 4,472 |
| Tier 1 risk-based capital ratio | 16.1844% | 2,865 |
| Total risk-based capital ratio | 17.4412% | 2,804 |
| Memoranda: | ||
| Average total assets | $91,883,200 | 4,788 |
| Average earning assets | $83,707,400 | 4,801 |
| Average equity | $8,459,400 | 5,093 |
| Average total loans | $60,514,400 | 4,473 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,638 |
| Cost of funding earning assets | 0.3848% | 3,959 |
| Net interest margin | 4.1869% | 1,322 |
| Noninterest income to average assets | 0.3275% | 4,817 |
| Noninterest expense to average assets | 3.7376% | 1,066 |
| Loan and lease loss provision to assets | 0.1739% | 1,414 |
| Net operating income to assets | 0.2058% | 5,839 |
| Return on assets (ROA) | 0.2058% | 5,890 |
| Pretax return on assets | 0.2319% | 5,898 |
| Return on Equity (ROE) | 2.2400% | 5,779 |
| Retained earnings to average equity (ytd only) | 2.2400% | 4,938 |
| Net charge-offs to loans | 0.5228% | 732 |
| Credit loss provision to net charge-offs | 50.0000% | 3,096 |
| Earnings coverage of net charge-offs (x) | 1.1667% | 4,213 |
| Efficiency ratio | 90.2064% | 831 |
| Assets per employee ($millions) | 2.7221% | 6,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 1,878 |
| Loan loss allowance to noncurrent loans | 23.0238% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 6.9687% | 171 |
| Noncurrent loans to loans | 7.5230% | 141 |
| Net loans and leases to total assets | 65.3045% | 2,978 |
| Net loans and leases to deposits | 72.5381% | 3,624 |
| Net loans and leases to core deposits | 75.8175% | 3,766 |
| Total domestic deposits to total assets | 90.0278% | 721 |
| Equity capital to assets | 9.5258% | 4,769 |
| Core capital (leverage) ratio | 9.4965% | 4,377 |
| Tier 1 risk-based capital ratio | 15.8186% | 3,149 |
| Total risk-based capital ratio | 17.0760% | 3,089 |
| Memoranda: | ||
| Average total assets | $91,999,500 | 4,841 |
| Average earning assets | $83,846,750 | 4,841 |
| Average equity | $8,452,250 | 5,139 |
| Average total loans | $61,201,750 | 4,489 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 1,574 |
| Cost of funding earning assets | 0.3899% | 3,992 |
| Net interest margin | 4.1943% | 1,262 |
| Noninterest income to average assets | 0.3300% | 4,778 |
| Noninterest expense to average assets | 3.7704% | 1,014 |
| Loan and lease loss provision to assets | 0.2588% | 824 |
| Net operating income to assets | 0.1402% | 5,968 |
| Return on assets (ROA) | 0.1402% | 6,005 |
| Pretax return on assets | 0.1294% | 6,057 |
| Return on Equity (ROE) | 1.5444% | 5,942 |
| Retained earnings to average equity (ytd only) | 1.5444% | 5,124 |
| Net charge-offs to loans | 0.5381% | 755 |
| Credit loss provision to net charge-offs | 72.2892% | 2,431 |
| Earnings coverage of net charge-offs (x) | 1.0843% | 3,892 |
| Efficiency ratio | 90.6639% | 860 |
| Assets per employee ($millions) | 2.7672% | 6,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 1,806 |
| Loan loss allowance to noncurrent loans | 24.8542% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 7.0643% | 178 |
| Noncurrent loans to loans | 7.3065% | 160 |
| Net loans and leases to total assets | 65.6015% | 2,818 |
| Net loans and leases to deposits | 72.6292% | 3,488 |
| Net loans and leases to core deposits | 75.8381% | 3,639 |
| Total domestic deposits to total assets | 90.3239% | 649 |
| Equity capital to assets | 9.2928% | 4,991 |
| Core capital (leverage) ratio | 9.2185% | 4,709 |
| Tier 1 risk-based capital ratio | 15.6446% | 3,273 |
| Total risk-based capital ratio | 16.9049% | 3,211 |
| Memoranda: | ||
| Average total assets | $92,722,670 | 4,851 |
| Average earning assets | $84,639,670 | 4,854 |
| Average equity | $8,417,330 | 5,174 |
| Average total loans | $61,703,330 | 4,488 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 1,501 |
| Cost of funding earning assets | 0.3898% | 4,092 |
| Net interest margin | 4.2127% | 1,181 |
| Noninterest income to average assets | 0.1499% | 6,075 |
| Noninterest expense to average assets | 3.6607% | 1,193 |
| Loan and lease loss provision to assets | 0.2569% | 833 |
| Net operating income to assets | 0.1199% | 5,983 |
| Return on assets (ROA) | 0.1199% | 6,016 |
| Pretax return on assets | 0.0728% | 6,117 |
| Return on Equity (ROE) | 1.3360% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.3360% | 5,080 |
| Net charge-offs to loans | 0.4190% | 869 |
| Credit loss provision to net charge-offs | 92.3077% | 1,778 |
| Earnings coverage of net charge-offs (x) | 1.1846% | 3,156 |
| Efficiency ratio | 91.7382% | 897 |
| Assets per employee ($millions) | 2.8138% | 6,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 1,879 |
| Loan loss allowance to noncurrent loans | 24.4048% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 7.4848% | 190 |
| Noncurrent loans to loans | 7.6055% | 187 |
| Net loans and leases to total assets | 65.3729% | 2,660 |
| Net loans and leases to deposits | 72.1475% | 3,322 |
| Net loans and leases to core deposits | 75.4962% | 3,462 |
| Total domestic deposits to total assets | 90.6101% | 733 |
| Equity capital to assets | 9.0496% | 5,059 |
| Core capital (leverage) ratio | 9.1652% | 4,770 |
| Tier 1 risk-based capital ratio | 15.2367% | 3,586 |
| Total risk-based capital ratio | 16.4963% | 3,535 |
| Memoranda: | ||
| Average total assets | $93,425,000 | 4,886 |
| Average earning assets | $85,170,500 | 4,886 |
| Average equity | $8,383,000 | 5,204 |
| Average total loans | $62,048,000 | 4,523 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8986% | 1,102 |
| Cost of funding earning assets | 0.5609% | 3,012 |
| Net interest margin | 4.3377% | 1,018 |
| Noninterest income to average assets | 0.2866% | 5,310 |
| Noninterest expense to average assets | 3.9522% | 919 |
| Loan and lease loss provision to assets | 0.4110% | 726 |
| Net operating income to assets | -0.0199% | 6,235 |
| Return on assets (ROA) | -0.0199% | 6,272 |
| Pretax return on assets | -0.1213% | 6,306 |
| Return on Equity (ROE) | -0.2242% | 6,278 |
| Retained earnings to average equity (ytd only) | -0.2242% | 5,922 |
| Net charge-offs to loans | 1.1465% | 472 |
| Credit loss provision to net charge-offs | 52.8937% | 3,755 |
| Earnings coverage of net charge-offs (x) | 0.3728% | 4,957 |
| Efficiency ratio | 93.1706% | 794 |
| Assets per employee ($millions) | 2.4736% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 1,913 |
| Loan loss allowance to noncurrent loans | 27.9419% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 7.2632% | 227 |
| Noncurrent loans to loans | 6.6350% | 271 |
| Net loans and leases to total assets | 64.9949% | 2,869 |
| Net loans and leases to deposits | 71.6067% | 3,578 |
| Net loans and leases to core deposits | 74.4017% | 3,796 |
| Total domestic deposits to total assets | 90.7665% | 673 |
| Equity capital to assets | 8.8973% | 5,152 |
| Core capital (leverage) ratio | 8.9973% | 5,013 |
| Tier 1 risk-based capital ratio | 14.9870% | 3,676 |
| Total risk-based capital ratio | 16.2461% | 3,611 |
| Memoranda: | ||
| Average total assets | $95,617,000 | 4,848 |
| Average earning assets | $87,188,800 | 4,849 |
| Average equity | $8,475,600 | 5,216 |
| Average total loans | $64,806,800 | 4,450 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 955 |
| Cost of funding earning assets | 0.5903% | 2,895 |
| Net interest margin | 4.4045% | 885 |
| Noninterest income to average assets | 0.2749% | 5,476 |
| Noninterest expense to average assets | 3.8309% | 1,047 |
| Loan and lease loss provision to assets | 0.4624% | 606 |
| Net operating income to assets | 0.0569% | 6,209 |
| Return on assets (ROA) | 0.0569% | 6,267 |
| Pretax return on assets | 0.0014% | 6,319 |
| Return on Equity (ROE) | 0.6429% | 6,244 |
| Retained earnings to average equity (ytd only) | 0.6429% | 5,712 |
| Net charge-offs to loans | 1.3914% | 365 |
| Credit loss provision to net charge-offs | 48.7555% | 3,540 |
| Earnings coverage of net charge-offs (x) | 0.4890% | 4,699 |
| Efficiency ratio | 89.2014% | 1,065 |
| Assets per employee ($millions) | 2.4608% | 6,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 2,303 |
| Loan loss allowance to noncurrent loans | 41.0384% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 6.0965% | 390 |
| Noncurrent loans to loans | 4.3865% | 756 |
| Net loans and leases to total assets | 67.3197% | 2,412 |
| Net loans and leases to deposits | 74.4175% | 3,170 |
| Net loans and leases to core deposits | 78.2888% | 3,319 |
| Total domestic deposits to total assets | 90.4622% | 754 |
| Equity capital to assets | 9.0341% | 5,150 |
| Core capital (leverage) ratio | 9.0730% | 5,004 |
| Tier 1 risk-based capital ratio | 14.5996% | 4,017 |
| Total risk-based capital ratio | 15.8587% | 3,957 |
| Memoranda: | ||
| Average total assets | $96,022,500 | 4,882 |
| Average earning assets | $87,634,750 | 4,881 |
| Average equity | $8,503,750 | 5,271 |
| Average total loans | $65,447,000 | 4,467 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9474% | 1,008 |
| Cost of funding earning assets | 0.6094% | 2,854 |
| Net interest margin | 4.3380% | 958 |
| Noninterest income to average assets | 0.2168% | 5,887 |
| Noninterest expense to average assets | 3.8386% | 1,049 |
| Loan and lease loss provision to assets | 0.5637% | 460 |
| Net operating income to assets | -0.1115% | 6,413 |
| Return on assets (ROA) | -0.1115% | 6,458 |
| Pretax return on assets | -0.2168% | 6,507 |
| Return on Equity (ROE) | -1.2673% | 6,476 |
| Retained earnings to average equity (ytd only) | -1.2673% | 6,089 |
| Net charge-offs to loans | 1.7209% | 284 |
| Credit loss provision to net charge-offs | 48.1481% | 3,251 |
| Earnings coverage of net charge-offs (x) | 0.2963% | 4,444 |
| Efficiency ratio | 91.7119% | 910 |
| Assets per employee ($millions) | 2.5434% | 6,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 2,152 |
| Loan loss allowance to noncurrent loans | 41.4668% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 6.0952% | 441 |
| Noncurrent loans to loans | 4.5496% | 763 |
| Net loans and leases to total assets | 66.8686% | 2,438 |
| Net loans and leases to deposits | 73.7406% | 3,195 |
| Net loans and leases to core deposits | 78.0628% | 3,277 |
| Total domestic deposits to total assets | 90.6808% | 668 |
| Equity capital to assets | 8.8846% | 5,344 |
| Core capital (leverage) ratio | 8.8664% | 5,198 |
| Tier 1 risk-based capital ratio | 14.4463% | 4,133 |
| Total risk-based capital ratio | 15.7061% | 4,090 |
| Memoranda: | ||
| Average total assets | $96,859,330 | 4,888 |
| Average earning assets | $88,611,330 | 4,881 |
| Average equity | $8,522,330 | 5,302 |
| Average total loans | $65,894,000 | 4,471 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9169% | 1,037 |
| Cost of funding earning assets | 0.6196% | 2,924 |
| Net interest margin | 4.2973% | 976 |
| Noninterest income to average assets | 0.3176% | 5,154 |
| Noninterest expense to average assets | 3.6117% | 1,402 |
| Loan and lease loss provision to assets | 0.2443% | 1,475 |
| Net operating income to assets | 0.3502% | 5,349 |
| Return on assets (ROA) | 0.3502% | 5,493 |
| Pretax return on assets | 0.4153% | 5,518 |
| Return on Equity (ROE) | 3.9986% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.9986% | 3,834 |
| Net charge-offs to loans | 1.0843% | 553 |
| Credit loss provision to net charge-offs | 33.1492% | 2,847 |
| Earnings coverage of net charge-offs (x) | 0.8950% | 3,538 |
| Efficiency ratio | 84.5567% | 1,697 |
| Assets per employee ($millions) | 2.5562% | 6,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0784% | 1,847 |
| Loan loss allowance to noncurrent loans | 29.5892% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 7.2775% | 380 |
| Noncurrent loans to loans | 7.0240% | 420 |
| Net loans and leases to total assets | 67.0819% | 2,176 |
| Net loans and leases to deposits | 73.8985% | 2,928 |
| Net loans and leases to core deposits | 78.8805% | 2,949 |
| Total domestic deposits to total assets | 90.7757% | 626 |
| Equity capital to assets | 8.8917% | 5,621 |
| Core capital (leverage) ratio | 8.7686% | 5,235 |
| Tier 1 risk-based capital ratio | 14.3844% | 4,251 |
| Total risk-based capital ratio | 15.6470% | 4,209 |
| Memoranda: | ||
| Average total assets | $98,235,500 | 4,899 |
| Average earning assets | $90,383,000 | 4,881 |
| Average equity | $8,603,000 | 5,330 |
| Average total loans | $66,772,000 | 4,460 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1864% | 1,145 |
| Cost of funding earning assets | 0.8310% | 2,416 |
| Net interest margin | 4.3555% | 1,267 |
| Noninterest income to average assets | 0.4169% | 4,475 |
| Noninterest expense to average assets | 3.4723% | 1,892 |
| Loan and lease loss provision to assets | 0.5539% | 1,031 |
| Net operating income to assets | 0.2961% | 5,483 |
| Return on assets (ROA) | 0.2961% | 5,689 |
| Pretax return on assets | 0.4129% | 5,541 |
| Return on Equity (ROE) | 3.4685% | 5,361 |
| Retained earnings to average equity (ytd only) | 2.2888% | 4,626 |
| Net charge-offs to loans | 0.7967% | 1,471 |
| Credit loss provision to net charge-offs | 101.8519% | 2,964 |
| Earnings coverage of net charge-offs (x) | 1.7778% | 4,544 |
| Efficiency ratio | 78.2214% | 2,411 |
| Assets per employee ($millions) | 2.6141% | 6,527 |
| Cash dividends to net income (ytd only)* | 34.0136% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2447% | 1,471 |
| Loan loss allowance to noncurrent loans | 36.3373% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 5.9807% | 580 |
| Noncurrent loans to loans | 6.1775% | 571 |
| Net loans and leases to total assets | 65.9348% | 2,536 |
| Net loans and leases to deposits | 72.4709% | 3,331 |
| Net loans and leases to core deposits | 77.4892% | 3,336 |
| Total domestic deposits to total assets | 90.9811% | 500 |
| Equity capital to assets | 8.6263% | 5,934 |
| Core capital (leverage) ratio | 8.4823% | 5,639 |
| Tier 1 risk-based capital ratio | 14.4549% | 4,066 |
| Total risk-based capital ratio | 15.7212% | 4,001 |
| Memoranda: | ||
| Average total assets | $99,299,400 | 4,851 |
| Average earning assets | $91,701,200 | 4,817 |
| Average equity | $8,476,200 | 5,369 |
| Average total loans | $67,778,200 | 4,430 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2108% | 1,171 |
| Cost of funding earning assets | 0.8694% | 2,392 |
| Net interest margin | 4.3414% | 1,369 |
| Noninterest income to average assets | 0.4042% | 4,604 |
| Noninterest expense to average assets | 3.3799% | 2,059 |
| Loan and lease loss provision to assets | 0.6043% | 913 |
| Net operating income to assets | 0.3048% | 5,600 |
| Return on assets (ROA) | 0.3048% | 5,802 |
| Pretax return on assets | 0.4297% | 5,648 |
| Return on Equity (ROE) | 3.5805% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.0032% | 5,320 |
| Net charge-offs to loans | 0.6434% | 1,708 |
| Credit loss provision to net charge-offs | 137.1951% | 2,103 |
| Earnings coverage of net charge-offs (x) | 2.3476% | 4,106 |
| Efficiency ratio | 76.5744% | 2,588 |
| Assets per employee ($millions) | 2.6856% | 6,505 |
| Cash dividends to net income (ytd only)* | 44.0527% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3700% | 1,403 |
| Loan loss allowance to noncurrent loans | 32.5741% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 6.4528% | 590 |
| Noncurrent loans to loans | 7.2756% | 488 |
| Net loans and leases to total assets | 66.9951% | 2,460 |
| Net loans and leases to deposits | 73.6462% | 3,351 |
| Net loans and leases to core deposits | 79.1278% | 3,308 |
| Total domestic deposits to total assets | 90.9688% | 420 |
| Equity capital to assets | 8.5823% | 6,186 |
| Core capital (leverage) ratio | 8.3860% | 5,913 |
| Tier 1 risk-based capital ratio | 14.0740% | 4,474 |
| Total risk-based capital ratio | 15.3417% | 4,420 |
| Memoranda: | ||
| Average total assets | $99,290,250 | 4,896 |
| Average earning assets | $91,704,750 | 4,860 |
| Average equity | $8,453,000 | 5,424 |
| Average total loans | $67,972,500 | 4,468 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 1,199 |
| Cost of funding earning assets | 0.8879% | 2,506 |
| Net interest margin | 4.3324% | 1,388 |
| Noninterest income to average assets | 0.3707% | 4,865 |
| Noninterest expense to average assets | 3.4715% | 1,854 |
| Loan and lease loss provision to assets | 0.6044% | 980 |
| Net operating income to assets | 0.2377% | 5,803 |
| Return on assets (ROA) | 0.2377% | 5,992 |
| Pretax return on assets | 0.2962% | 5,970 |
| Return on Equity (ROE) | 2.8002% | 5,764 |
| Retained earnings to average equity (ytd only) | 2.8002% | 4,760 |
| Net charge-offs to loans | 0.6097% | 1,796 |
| Credit loss provision to net charge-offs | 144.9275% | 1,912 |
| Earnings coverage of net charge-offs (x) | 2.1594% | 3,902 |
| Efficiency ratio | 79.4009% | 2,279 |
| Assets per employee ($millions) | 2.8032% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3531% | 1,496 |
| Loan loss allowance to noncurrent loans | 43.8277% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 5.0488% | 943 |
| Noncurrent loans to loans | 5.3690% | 873 |
| Net loans and leases to total assets | 65.2582% | 2,809 |
| Net loans and leases to deposits | 71.5655% | 3,679 |
| Net loans and leases to core deposits | 77.0372% | 3,651 |
| Total domestic deposits to total assets | 91.1867% | 389 |
| Equity capital to assets | 8.4110% | 6,294 |
| Core capital (leverage) ratio | 8.4498% | 5,711 |
| Tier 1 risk-based capital ratio | 14.2816% | 4,252 |
| Total risk-based capital ratio | 15.5490% | 4,203 |
| Memoranda: | ||
| Average total assets | $99,264,670 | 4,916 |
| Average earning assets | $91,681,000 | 4,883 |
| Average equity | $8,428,000 | 5,439 |
| Average total loans | $67,901,000 | 4,493 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3833% | 934 |
| Cost of funding earning assets | 0.9222% | 2,499 |
| Net interest margin | 4.4611% | 1,085 |
| Noninterest income to average assets | 0.3535% | 5,040 |
| Noninterest expense to average assets | 3.5230% | 1,710 |
| Loan and lease loss provision to assets | 0.6095% | 934 |
| Net operating income to assets | 0.2804% | 5,720 |
| Return on assets (ROA) | 0.2804% | 5,885 |
| Pretax return on assets | 0.3291% | 5,910 |
| Return on Equity (ROE) | 3.2865% | 5,598 |
| Retained earnings to average equity (ytd only) | 3.2865% | 4,596 |
| Net charge-offs to loans | 0.5930% | 1,612 |
| Credit loss provision to net charge-offs | 148.5149% | 1,684 |
| Earnings coverage of net charge-offs (x) | 2.2871% | 3,252 |
| Efficiency ratio | 78.9617% | 2,359 |
| Assets per employee ($millions) | 2.6956% | 6,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2703% | 1,736 |
| Loan loss allowance to noncurrent loans | 47.1577% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 4.8938% | 1,077 |
| Noncurrent loans to loans | 4.8142% | 1,178 |
| Net loans and leases to total assets | 66.5958% | 2,364 |
| Net loans and leases to deposits | 73.0570% | 3,265 |
| Net loans and leases to core deposits | 79.8725% | 3,084 |
| Total domestic deposits to total assets | 91.1559% | 489 |
| Equity capital to assets | 8.4531% | 6,125 |
| Core capital (leverage) ratio | 8.5566% | 5,501 |
| Tier 1 risk-based capital ratio | 14.1739% | 4,337 |
| Total risk-based capital ratio | 15.4408% | 4,299 |
| Memoranda: | ||
| Average total assets | $98,439,000 | 4,966 |
| Average earning assets | $90,650,500 | 4,940 |
| Average equity | $8,398,000 | 5,466 |
| Average total loans | $68,130,000 | 4,519 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5339% | 1,087 |
| Cost of funding earning assets | 1.0288% | 3,166 |
| Net interest margin | 4.5051% | 1,116 |
| Noninterest income to average assets | 0.4695% | 4,056 |
| Noninterest expense to average assets | 3.5099% | 1,956 |
| Loan and lease loss provision to assets | 0.6856% | 1,492 |
| Net operating income to assets | 0.2877% | 5,298 |
| Return on assets (ROA) | 0.2877% | 5,455 |
| Pretax return on assets | 0.4134% | 5,248 |
| Return on Equity (ROE) | 3.3513% | 5,139 |
| Retained earnings to average equity (ytd only) | 2.1415% | 4,690 |
| Net charge-offs to loans | 0.8991% | 1,930 |
| Credit loss provision to net charge-offs | 106.9692% | 3,164 |
| Earnings coverage of net charge-offs (x) | 1.7147% | 4,493 |
| Efficiency ratio | 76.1551% | 2,867 |
| Assets per employee ($millions) | 2.6254% | 6,694 |
| Cash dividends to net income (ytd only)* | 36.1011% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1876% | 1,820 |
| Loan loss allowance to noncurrent loans | 36.6896% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 5.9873% | 817 |
| Noncurrent loans to loans | 5.9624% | 841 |
| Net loans and leases to total assets | 68.7685% | 2,258 |
| Net loans and leases to deposits | 75.5266% | 3,253 |
| Net loans and leases to core deposits | 82.9424% | 3,033 |
| Total domestic deposits to total assets | 91.0520% | 486 |
| Equity capital to assets | 8.6114% | 6,002 |
| Core capital (leverage) ratio | 8.6063% | 5,387 |
| Tier 1 risk-based capital ratio | 13.8527% | 4,438 |
| Total risk-based capital ratio | 15.1180% | 4,380 |
| Memoranda: | ||
| Average total assets | $96,271,600 | 4,998 |
| Average earning assets | $88,455,000 | 4,980 |
| Average equity | $8,265,400 | 5,484 |
| Average total loans | $68,626,800 | 4,543 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5505% | 1,142 |
| Cost of funding earning assets | 1.0505% | 3,315 |
| Net interest margin | 4.4999% | 1,153 |
| Noninterest income to average assets | 0.4553% | 4,257 |
| Noninterest expense to average assets | 3.4702% | 2,015 |
| Loan and lease loss provision to assets | 0.7079% | 1,356 |
| Net operating income to assets | 0.2929% | 5,422 |
| Return on assets (ROA) | 0.2929% | 5,595 |
| Pretax return on assets | 0.4095% | 5,440 |
| Return on Equity (ROE) | 3.4140% | 5,265 |
| Retained earnings to average equity (ytd only) | 1.7960% | 5,235 |
| Net charge-offs to loans | 0.9353% | 1,721 |
| Credit loss provision to net charge-offs | 105.8091% | 3,132 |
| Earnings coverage of net charge-offs (x) | 1.6701% | 4,400 |
| Efficiency ratio | 75.6430% | 2,893 |
| Assets per employee ($millions) | 2.5637% | 6,821 |
| Cash dividends to net income (ytd only)* | 47.3927% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1644% | 1,930 |
| Loan loss allowance to noncurrent loans | 31.5419% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 6.6532% | 765 |
| Noncurrent loans to loans | 6.8620% | 737 |
| Net loans and leases to total assets | 70.4787% | 1,983 |
| Net loans and leases to deposits | 77.5992% | 3,069 |
| Net loans and leases to core deposits | 84.5579% | 2,975 |
| Total domestic deposits to total assets | 90.8241% | 501 |
| Equity capital to assets | 8.7743% | 6,004 |
| Core capital (leverage) ratio | 8.6284% | 5,508 |
| Tier 1 risk-based capital ratio | 13.8069% | 4,494 |
| Total risk-based capital ratio | 15.0716% | 4,451 |
| Memoranda: | ||
| Average total assets | $96,054,750 | 5,038 |
| Average earning assets | $88,206,750 | 5,020 |
| Average equity | $8,240,500 | 5,527 |
| Average total loans | $68,709,750 | 4,576 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4896% | 1,319 |
| Cost of funding earning assets | 1.0848% | 3,355 |
| Net interest margin | 4.4048% | 1,354 |
| Noninterest income to average assets | 0.4707% | 4,100 |
| Noninterest expense to average assets | 3.4068% | 2,236 |
| Loan and lease loss provision to assets | 0.7465% | 1,249 |
| Net operating income to assets | 0.2675% | 5,492 |
| Return on assets (ROA) | 0.2675% | 5,616 |
| Pretax return on assets | 0.3587% | 5,523 |
| Return on Equity (ROE) | 3.1414% | 5,338 |
| Retained earnings to average equity (ytd only) | 3.1414% | 4,277 |
| Net charge-offs to loans | 0.8310% | 1,843 |
| Credit loss provision to net charge-offs | 125.8741% | 2,429 |
| Earnings coverage of net charge-offs (x) | 1.8636% | 3,935 |
| Efficiency ratio | 75.5055% | 3,102 |
| Assets per employee ($millions) | 2.5799% | 6,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2393% | 1,842 |
| Loan loss allowance to noncurrent loans | 32.9872% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 6.4972% | 820 |
| Noncurrent loans to loans | 6.7882% | 788 |
| Net loans and leases to total assets | 69.7473% | 2,275 |
| Net loans and leases to deposits | 76.7275% | 3,336 |
| Net loans and leases to core deposits | 83.2850% | 3,322 |
| Total domestic deposits to total assets | 90.9026% | 537 |
| Equity capital to assets | 8.7161% | 5,921 |
| Core capital (leverage) ratio | 8.6028% | 5,403 |
| Tier 1 risk-based capital ratio | 13.7895% | 4,310 |
| Total risk-based capital ratio | 15.0563% | 4,277 |
| Memoranda: | ||
| Average total assets | $96,454,000 | 5,063 |
| Average earning assets | $88,495,330 | 5,041 |
| Average equity | $8,213,000 | 5,547 |
| Average total loans | $68,835,330 | 4,621 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3808% | 1,641 |
| Cost of funding earning assets | 1.1255% | 3,328 |
| Net interest margin | 4.2553% | 1,720 |
| Noninterest income to average assets | 0.5446% | 3,545 |
| Noninterest expense to average assets | 3.5069% | 1,987 |
| Loan and lease loss provision to assets | 0.7426% | 1,141 |
| Net operating income to assets | 0.1774% | 5,863 |
| Return on assets (ROA) | 0.1774% | 5,912 |
| Pretax return on assets | 0.2104% | 5,914 |
| Return on Equity (ROE) | 2.1080% | 5,749 |
| Retained earnings to average equity (ytd only) | 2.1080% | 4,876 |
| Net charge-offs to loans | 0.7283% | 1,760 |
| Credit loss provision to net charge-offs | 142.8571% | 1,972 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 3,386 |
| Efficiency ratio | 78.6309% | 2,744 |
| Assets per employee ($millions) | 2.7493% | 6,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2038% | 1,957 |
| Loan loss allowance to noncurrent loans | 34.4630% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 6.0785% | 940 |
| Noncurrent loans to loans | 6.3947% | 952 |
| Net loans and leases to total assets | 69.4061% | 2,241 |
| Net loans and leases to deposits | 76.1641% | 3,393 |
| Net loans and leases to core deposits | 94.8759% | 1,781 |
| Total domestic deposits to total assets | 91.1270% | 562 |
| Equity capital to assets | 8.4936% | 5,915 |
| Core capital (leverage) ratio | 8.4520% | 5,544 |
| Tier 1 risk-based capital ratio | 13.4705% | 4,442 |
| Total risk-based capital ratio | 14.7362% | 4,408 |
| Memoranda: | ||
| Average total assets | $96,953,000 | 5,084 |
| Average earning assets | $89,206,000 | 5,051 |
| Average equity | $8,159,500 | 5,564 |
| Average total loans | $69,201,500 | 4,640 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0112% | 833 |
| Cost of funding earning assets | 1.4469% | 2,978 |
| Net interest margin | 4.5643% | 1,094 |
| Noninterest income to average assets | 0.5253% | 3,989 |
| Noninterest expense to average assets | 3.7092% | 1,680 |
| Loan and lease loss provision to assets | 0.7388% | 2,223 |
| Net operating income to assets | 0.1950% | 5,277 |
| Return on assets (ROA) | 0.1950% | 5,454 |
| Pretax return on assets | 0.2658% | 5,322 |
| Return on Equity (ROE) | 2.3588% | 5,240 |
| Retained earnings to average equity (ytd only) | 2.3588% | 4,231 |
| Net charge-offs to loans | 1.0449% | 2,112 |
| Credit loss provision to net charge-offs | 95.2381% | 4,879 |
| Earnings coverage of net charge-offs (x) | 1.2950% | 4,806 |
| Efficiency ratio | 78.6896% | 2,580 |
| Assets per employee ($millions) | 2.6400% | 6,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0695% | 2,131 |
| Loan loss allowance to noncurrent loans | 37.9744% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 5.5302% | 1,119 |
| Noncurrent loans to loans | 5.4499% | 1,207 |
| Net loans and leases to total assets | 70.2910% | 2,473 |
| Net loans and leases to deposits | 77.0183% | 3,681 |
| Net loans and leases to core deposits | 83.5333% | 3,660 |
| Total domestic deposits to total assets | 91.2654% | 479 |
| Equity capital to assets | 8.3394% | 6,097 |
| Core capital (leverage) ratio | 8.3171% | 5,664 |
| Tier 1 risk-based capital ratio | 13.2714% | 4,399 |
| Total risk-based capital ratio | 14.5348% | 4,343 |
| Memoranda: | ||
| Average total assets | $97,460,000 | 5,065 |
| Average earning assets | $89,433,600 | 5,038 |
| Average equity | $8,055,000 | 5,697 |
| Average total loans | $72,352,600 | 4,596 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1321% | 715 |
| Cost of funding earning assets | 1.5013% | 2,976 |
| Net interest margin | 4.6308% | 979 |
| Noninterest income to average assets | 0.5338% | 3,918 |
| Noninterest expense to average assets | 3.7752% | 1,421 |
| Loan and lease loss provision to assets | 0.7392% | 2,069 |
| Net operating income to assets | 0.1930% | 5,529 |
| Return on assets (ROA) | 0.1930% | 5,686 |
| Pretax return on assets | 0.2628% | 5,582 |
| Return on Equity (ROE) | 2.3406% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.3406% | 4,769 |
| Net charge-offs to loans | 1.0917% | 1,864 |
| Credit loss provision to net charge-offs | 90.4523% | 4,745 |
| Earnings coverage of net charge-offs (x) | 1.2261% | 4,835 |
| Efficiency ratio | 79.0258% | 2,484 |
| Assets per employee ($millions) | 2.6049% | 6,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0133% | 2,182 |
| Loan loss allowance to noncurrent loans | 40.5099% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 5.3941% | 1,158 |
| Noncurrent loans to loans | 4.9698% | 1,399 |
| Net loans and leases to total assets | 72.2109% | 2,207 |
| Net loans and leases to deposits | 79.2753% | 3,585 |
| Net loans and leases to core deposits | 86.0352% | 3,649 |
| Total domestic deposits to total assets | 91.0887% | 417 |
| Equity capital to assets | 8.4538% | 6,332 |
| Core capital (leverage) ratio | 8.3446% | 5,800 |
| Tier 1 risk-based capital ratio | 13.1182% | 4,486 |
| Total risk-based capital ratio | 14.3812% | 4,455 |
| Memoranda: | ||
| Average total assets | $97,404,750 | 5,126 |
| Average earning assets | $89,255,250 | 5,099 |
| Average equity | $8,032,250 | 5,779 |
| Average total loans | $72,912,750 | 4,642 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1324% | 711 |
| Cost of funding earning assets | 1.5649% | 2,869 |
| Net interest margin | 4.5675% | 1,068 |
| Noninterest income to average assets | 0.5831% | 3,459 |
| Noninterest expense to average assets | 3.8590% | 1,250 |
| Loan and lease loss provision to assets | 0.7366% | 1,966 |
| Net operating income to assets | 0.1453% | 5,740 |
| Return on assets (ROA) | 0.1453% | 5,854 |
| Pretax return on assets | 0.1739% | 5,836 |
| Return on Equity (ROE) | 1.7764% | 5,700 |
| Retained earnings to average equity (ytd only) | 1.7764% | 4,975 |
| Net charge-offs to loans | 0.9410% | 1,955 |
| Credit loss provision to net charge-offs | 104.0462% | 3,918 |
| Earnings coverage of net charge-offs (x) | 1.2861% | 4,539 |
| Efficiency ratio | 80.9095% | 2,312 |
| Assets per employee ($millions) | 2.5327% | 7,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0827% | 2,003 |
| Loan loss allowance to noncurrent loans | 33.8979% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 5.9028% | 1,009 |
| Noncurrent loans to loans | 6.1441% | 1,027 |
| Net loans and leases to total assets | 73.3235% | 2,079 |
| Net loans and leases to deposits | 80.4423% | 3,526 |
| Net loans and leases to core deposits | 87.4969% | 3,621 |
| Total domestic deposits to total assets | 91.1504% | 431 |
| Equity capital to assets | 8.3913% | 6,311 |
| Core capital (leverage) ratio | 8.2681% | 5,830 |
| Tier 1 risk-based capital ratio | 12.8034% | 4,602 |
| Total risk-based capital ratio | 14.0677% | 4,552 |
| Memoranda: | ||
| Average total assets | $97,745,330 | 5,146 |
| Average earning assets | $89,590,000 | 5,110 |
| Average equity | $7,993,670 | 5,807 |
| Average total loans | $73,540,670 | 4,655 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2941% | 534 |
| Cost of funding earning assets | 1.6533% | 2,628 |
| Net interest margin | 4.6408% | 889 |
| Noninterest income to average assets | 0.4873% | 4,146 |
| Noninterest expense to average assets | 4.2194% | 788 |
| Loan and lease loss provision to assets | 0.7310% | 1,744 |
| Net operating income to assets | -0.0812% | 6,416 |
| Return on assets (ROA) | -0.0812% | 6,492 |
| Pretax return on assets | -0.2112% | 6,565 |
| Return on Equity (ROE) | -1.0060% | 6,529 |
| Retained earnings to average equity (ytd only) | -1.0060% | 6,050 |
| Net charge-offs to loans | 1.1955% | 1,422 |
| Credit loss provision to net charge-offs | 81.0811% | 3,848 |
| Earnings coverage of net charge-offs (x) | 0.5766% | 4,516 |
| Efficiency ratio | 89.0317% | 1,502 |
| Assets per employee ($millions) | 2.5724% | 7,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9685% | 2,268 |
| Loan loss allowance to noncurrent loans | 38.2478% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 5.2244% | 1,206 |
| Noncurrent loans to loans | 5.1467% | 1,397 |
| Net loans and leases to total assets | 73.6159% | 2,052 |
| Net loans and leases to deposits | 80.4996% | 3,554 |
| Net loans and leases to core deposits | 88.0343% | 3,621 |
| Total domestic deposits to total assets | 91.4488% | 391 |
| Equity capital to assets | 8.1226% | 6,515 |
| Core capital (leverage) ratio | 8.1141% | 6,051 |
| Tier 1 risk-based capital ratio | 12.3087% | 4,893 |
| Total risk-based capital ratio | 13.5709% | 4,842 |
| Memoranda: | ||
| Average total assets | $98,497,000 | 5,192 |
| Average earning assets | $90,243,000 | 5,159 |
| Average equity | $7,952,500 | 5,867 |
| Average total loans | $74,276,500 | 4,704 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0887% | 245 |
| Cost of funding earning assets | 2.0934% | 2,499 |
| Net interest margin | 4.9953% | 454 |
| Noninterest income to average assets | 0.6326% | 3,411 |
| Noninterest expense to average assets | 3.9786% | 1,389 |
| Loan and lease loss provision to assets | 1.2026% | 1,915 |
| Net operating income to assets | 0.0303% | 5,397 |
| Return on assets (ROA) | 0.0303% | 5,450 |
| Pretax return on assets | 0.0091% | 5,423 |
| Return on Equity (ROE) | 0.3630% | 5,423 |
| Retained earnings to average equity (ytd only) | -2.9399% | 5,689 |
| Net charge-offs to loans | 0.7361% | 2,982 |
| Credit loss provision to net charge-offs | 210.9929% | 1,818 |
| Earnings coverage of net charge-offs (x) | 2.1259% | 4,135 |
| Efficiency ratio | 76.6550% | 3,413 |
| Assets per employee ($millions) | 2.6116% | 7,020 |
| Cash dividends to net income (ytd only)* | 910.0000% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9788% | 2,078 |
| Loan loss allowance to noncurrent loans | 49.8157% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 4.1313% | 1,586 |
| Noncurrent loans to loans | 3.9722% | 1,864 |
| Net loans and leases to total assets | 74.2226% | 2,220 |
| Net loans and leases to deposits | 81.0832% | 3,779 |
| Net loans and leases to core deposits | 111.7585% | 2,720 |
| Total domestic deposits to total assets | 91.5389% | 372 |
| Equity capital to assets | 8.0258% | 6,553 |
| Core capital (leverage) ratio | 8.0656% | 6,054 |
| Tier 1 risk-based capital ratio | 12.1774% | 4,791 |
| Total risk-based capital ratio | 13.4400% | 4,740 |
| Memoranda: | ||
| Average total assets | $98,955,000 | 5,114 |
| Average earning assets | $90,284,600 | 5,110 |
| Average equity | $8,265,600 | 5,846 |
| Average total loans | $76,623,200 | 4,635 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2600% | 207 |
| Cost of funding earning assets | 2.2073% | 2,379 |
| Net interest margin | 5.0527% | 406 |
| Noninterest income to average assets | 0.6432% | 3,396 |
| Noninterest expense to average assets | 3.8280% | 1,544 |
| Loan and lease loss provision to assets | 0.5191% | 3,308 |
| Net operating income to assets | 0.5825% | 3,666 |
| Return on assets (ROA) | 0.5825% | 3,737 |
| Pretax return on assets | 0.8980% | 3,233 |
| Return on Equity (ROE) | 6.9057% | 3,116 |
| Retained earnings to average equity (ytd only) | 3.9964% | 3,047 |
| Net charge-offs to loans | 0.7117% | 2,568 |
| Credit loss provision to net charge-offs | 93.6740% | 5,388 |
| Earnings coverage of net charge-offs (x) | 2.5572% | 3,945 |
| Efficiency ratio | 72.9820% | 4,057 |
| Assets per employee ($millions) | 2.4771% | 7,265 |
| Cash dividends to net income (ytd only)* | 42.1292% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 5,761 |
| Loan loss allowance to noncurrent loans | 30.6197% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 3.8610% | 1,665 |
| Noncurrent loans to loans | 3.5751% | 2,091 |
| Net loans and leases to total assets | 78.0927% | 1,550 |
| Net loans and leases to deposits | 86.1153% | 3,296 |
| Net loans and leases to core deposits | 119.0478% | 2,331 |
| Total domestic deposits to total assets | 90.6839% | 522 |
| Equity capital to assets | 8.7571% | 5,869 |
| Core capital (leverage) ratio | 8.6730% | 5,177 |
| Tier 1 risk-based capital ratio | 12.6993% | 4,394 |
| Total risk-based capital ratio | 13.9493% | 4,344 |
| Memoranda: | ||
| Average total assets | $98,883,250 | 5,154 |
| Average earning assets | $90,062,500 | 5,162 |
| Average equity | $8,340,750 | 5,873 |
| Average total loans | $76,992,250 | 4,661 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0730% | 280 |
| Cost of funding earning assets | 2.3108% | 2,313 |
| Net interest margin | 4.7622% | 713 |
| Noninterest income to average assets | 0.6744% | 3,162 |
| Noninterest expense to average assets | 3.5286% | 2,259 |
| Loan and lease loss provision to assets | 0.4717% | 3,167 |
| Net operating income to assets | 0.6543% | 3,447 |
| Return on assets (ROA) | 0.6543% | 3,557 |
| Pretax return on assets | 1.0257% | 2,904 |
| Return on Equity (ROE) | 7.8545% | 2,834 |
| Retained earnings to average equity (ytd only) | 3.4695% | 3,381 |
| Net charge-offs to loans | 0.6604% | 2,382 |
| Credit loss provision to net charge-offs | 92.1569% | 4,859 |
| Earnings coverage of net charge-offs (x) | 2.9255% | 3,640 |
| Efficiency ratio | 70.2077% | 4,735 |
| Assets per employee ($millions) | 2.4940% | 7,269 |
| Cash dividends to net income (ytd only)* | 55.8282% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,649 |
| Loan loss allowance to noncurrent loans | 48.8669% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 2.4829% | 2,600 |
| Noncurrent loans to loans | 2.2374% | 3,205 |
| Net loans and leases to total assets | 78.2183% | 1,694 |
| Net loans and leases to deposits | 86.1519% | 3,529 |
| Net loans and leases to core deposits | 120.0874% | 2,364 |
| Total domestic deposits to total assets | 90.7911% | 525 |
| Equity capital to assets | 8.5437% | 5,986 |
| Core capital (leverage) ratio | 8.4720% | 5,491 |
| Tier 1 risk-based capital ratio | 12.6033% | 4,440 |
| Total risk-based capital ratio | 13.8491% | 4,363 |
| Memoranda: | ||
| Average total assets | $99,642,000 | 5,175 |
| Average earning assets | $91,050,670 | 5,159 |
| Average equity | $8,301,000 | 5,917 |
| Average total loans | $77,230,330 | 4,686 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1477% | 270 |
| Cost of funding earning assets | 2.4058% | 2,266 |
| Net interest margin | 4.7419% | 703 |
| Noninterest income to average assets | 0.5594% | 3,849 |
| Noninterest expense to average assets | 3.6180% | 1,831 |
| Loan and lease loss provision to assets | 0.4165% | 2,836 |
| Net operating income to assets | 0.5435% | 4,244 |
| Return on assets (ROA) | 0.5435% | 4,429 |
| Pretax return on assets | 0.8410% | 3,926 |
| Return on Equity (ROE) | 6.6052% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.6052% | 2,376 |
| Net charge-offs to loans | 0.7288% | 1,731 |
| Credit loss provision to net charge-offs | 74.4681% | 4,276 |
| Earnings coverage of net charge-offs (x) | 2.2482% | 3,612 |
| Efficiency ratio | 74.2067% | 3,790 |
| Assets per employee ($millions) | 2.5789% | 7,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 5,699 |
| Loan loss allowance to noncurrent loans | 52.2483% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 2.0224% | 2,865 |
| Noncurrent loans to loans | 2.0439% | 3,205 |
| Net loans and leases to total assets | 75.9923% | 2,268 |
| Net loans and leases to deposits | 83.3015% | 4,091 |
| Net loans and leases to core deposits | 116.1956% | 2,785 |
| Total domestic deposits to total assets | 91.2255% | 342 |
| Equity capital to assets | 8.3141% | 6,366 |
| Core capital (leverage) ratio | 8.2913% | 5,919 |
| Tier 1 risk-based capital ratio | 12.5058% | 4,549 |
| Total risk-based capital ratio | 13.7507% | 4,467 |
| Memoranda: | ||
| Average total assets | $100,830,500 | 5,160 |
| Average earning assets | $91,777,500 | 5,153 |
| Average equity | $8,296,500 | 5,957 |
| Average total loans | $77,385,500 | 4,704 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5743% | 355 |
| Cost of funding earning assets | 2.7165% | 3,085 |
| Net interest margin | 4.8578% | 692 |
| Noninterest income to average assets | 0.8661% | 2,130 |
| Noninterest expense to average assets | 3.4461% | 2,539 |
| Loan and lease loss provision to assets | 0.3511% | 3,582 |
| Net operating income to assets | 1.0015% | 2,554 |
| Return on assets (ROA) | 1.0015% | 2,432 |
| Pretax return on assets | 1.5734% | 1,465 |
| Return on Equity (ROE) | 12.3009% | 1,514 |
| Retained earnings to average equity (ytd only) | 6.2005% | 1,439 |
| Net charge-offs to loans | 0.3978% | 2,824 |
| Credit loss provision to net charge-offs | 113.1148% | 4,770 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 3,416 |
| Efficiency ratio | 64.1652% | 5,524 |
| Assets per employee ($millions) | 2.5919% | 7,023 |
| Cash dividends to net income (ytd only)* | 49.5935% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 5,196 |
| Loan loss allowance to noncurrent loans | 58.4521% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.9301% | 2,545 |
| Noncurrent loans to loans | 1.9003% | 2,899 |
| Net loans and leases to total assets | 75.8322% | 2,672 |
| Net loans and leases to deposits | 83.1516% | 4,558 |
| Net loans and leases to core deposits | 115.0458% | 3,233 |
| Total domestic deposits to total assets | 91.1975% | 270 |
| Equity capital to assets | 8.1427% | 6,640 |
| Core capital (leverage) ratio | 8.1768% | 6,211 |
| Tier 1 risk-based capital ratio | 12.1407% | 4,710 |
| Total risk-based capital ratio | 13.3917% | 4,598 |
| Memoranda: | ||
| Average total assets | $98,255,800 | 5,105 |
| Average earning assets | $91,110,600 | 5,049 |
| Average equity | $7,999,400 | 6,089 |
| Average total loans | $76,673,600 | 4,625 |