Home > North Valley Bank > Performance and Condition Ratios
North 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 | 5.4640% | 1,213 |
| Cost of funding earning assets | 1.5292% | 1,867 |
| Net interest margin | 3.9348% | 1,303 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 3.5225% | 567 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.5858% | 3,474 |
| Return on assets (ROA) | 0.5747% | 3,494 |
| Pretax return on assets | 0.7040% | 3,426 |
| Return on Equity (ROE) | 6.1500% | 3,490 |
| Retained earnings to average equity (ytd only) | 4.7678% | 2,684 |
| Net charge-offs to loans | 0.0818% | 1,048 |
| Credit loss provision to net charge-offs | -5.1282% | 4,416 |
| Earnings coverage of net charge-offs (x) | 11.8769% | 2,171 |
| Efficiency ratio | 82.5062% | 750 |
| Assets per employee ($millions) | 3.7614% | 4,229 |
| Cash dividends to net income (ytd only)* | 22.4467% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 3,187 |
| Loan loss allowance to noncurrent loans | 71.3080% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.1387% | 398 |
| Noncurrent loans to loans | 1.4384% | 483 |
| Net loans and leases to total assets | 78.3500% | 827 |
| Net loans and leases to deposits | 91.8614% | 1,107 |
| Net loans and leases to core deposits | 95.9075% | 1,658 |
| Total domestic deposits to total assets | 85.2900% | 2,215 |
| Equity capital to assets | 9.7756% | 2,142 |
| Core capital (leverage) ratio | 10.4328% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $310,093,400 | 2,379 |
| Average earning assets | $284,534,600 | 2,387 |
| Average equity | $28,986,200 | 2,317 |
| Average total loans | $238,323,200 | 2,069 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2759% | 1,317 |
| Cost of funding earning assets | 1.4444% | 1,753 |
| Net interest margin | 3.8316% | 1,535 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 3.5115% | 548 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5582% | 3,645 |
| Return on assets (ROA) | 0.5582% | 3,630 |
| Pretax return on assets | 0.6818% | 3,586 |
| Return on Equity (ROE) | 6.0400% | 3,630 |
| Retained earnings to average equity (ytd only) | 4.6428% | 3,063 |
| Net charge-offs to loans | 0.0446% | 1,253 |
| Credit loss provision to net charge-offs | 65.8228% | 1,828 |
| Earnings coverage of net charge-offs (x) | 20.6962% | 1,799 |
| Efficiency ratio | 83.2959% | 655 |
| Assets per employee ($millions) | 3.9242% | 4,200 |
| Cash dividends to net income (ytd only)* | 23.1481% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 2,860 |
| Loan loss allowance to noncurrent loans | 49.4083% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.7071% | 190 |
| Noncurrent loans to loans | 2.2304% | 242 |
| Net loans and leases to total assets | 75.6900% | 1,155 |
| Net loans and leases to deposits | 86.1063% | 1,560 |
| Net loans and leases to core deposits | 89.5432% | 1,959 |
| Total domestic deposits to total assets | 87.9000% | 1,611 |
| Equity capital to assets | 8.9498% | 2,449 |
| Core capital (leverage) ratio | 10.2704% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $309,567,500 | 2,379 |
| Average earning assets | $283,672,000 | 2,391 |
| Average equity | $28,603,000 | 2,322 |
| Average total loans | $236,116,250 | 2,074 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2067% | 1,205 |
| Cost of funding earning assets | 1.3446% | 1,600 |
| Net interest margin | 3.8621% | 1,505 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 3.5483% | 511 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.6363% | 3,492 |
| Return on assets (ROA) | 0.6363% | 3,502 |
| Pretax return on assets | 0.7791% | 3,446 |
| Return on Equity (ROE) | 6.8100% | 3,519 |
| Retained earnings to average equity (ytd only) | 5.4104% | 2,819 |
| Net charge-offs to loans | 0.0120% | 1,742 |
| Credit loss provision to net charge-offs | 114.2857% | 1,353 |
| Earnings coverage of net charge-offs (x) | 86.1429% | 1,011 |
| Efficiency ratio | 81.7990% | 722 |
| Assets per employee ($millions) | 3.8129% | 4,254 |
| Cash dividends to net income (ytd only)* | 20.5761% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 2,661 |
| Loan loss allowance to noncurrent loans | 85.9023% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.0619% | 417 |
| Noncurrent loans to loans | 1.3499% | 526 |
| Net loans and leases to total assets | 74.7500% | 1,199 |
| Net loans and leases to deposits | 85.5966% | 1,536 |
| Net loans and leases to core deposits | 88.1373% | 1,917 |
| Total domestic deposits to total assets | 87.3300% | 1,822 |
| Equity capital to assets | 9.3914% | 2,236 |
| Core capital (leverage) ratio | 10.2026% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $305,495,667 | 2,411 |
| Average earning assets | $279,487,000 | 2,424 |
| Average equity | $28,537,667 | 2,333 |
| Average total loans | $232,729,333 | 2,085 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9711% | 1,284 |
| Cost of funding earning assets | 1.1610% | 1,559 |
| Net interest margin | 3.8101% | 1,668 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 3.5282% | 519 |
| Loan and lease loss provision to assets | -0.1100% | 4,585 |
| Net operating income to assets | 0.6505% | 3,584 |
| Return on assets (ROA) | 0.6505% | 3,540 |
| Pretax return on assets | 0.7963% | 3,474 |
| Return on Equity (ROE) | 6.9800% | 3,521 |
| Retained earnings to average equity (ytd only) | 5.5609% | 2,871 |
| Net charge-offs to loans | 0.0295% | 1,114 |
| Credit loss provision to net charge-offs | -488.2353% | 4,623 |
| Earnings coverage of net charge-offs (x) | 30.4706% | 1,300 |
| Efficiency ratio | 83.7158% | 607 |
| Assets per employee ($millions) | 3.7270% | 4,358 |
| Cash dividends to net income (ytd only)* | 20.3666% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 2,926 |
| Loan loss allowance to noncurrent loans | 130.6284% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 667 |
| Noncurrent loans to loans | 0.8624% | 878 |
| Net loans and leases to total assets | 76.7600% | 899 |
| Net loans and leases to deposits | 88.2742% | 1,182 |
| Net loans and leases to core deposits | 91.7477% | 1,516 |
| Total domestic deposits to total assets | 86.9500% | 2,286 |
| Equity capital to assets | 9.3680% | 2,245 |
| Core capital (leverage) ratio | 10.2222% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $301,914,000 | 2,463 |
| Average earning assets | $276,317,000 | 2,471 |
| Average equity | $28,125,000 | 2,379 |
| Average total loans | $230,863,500 | 2,112 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 1,126 |
| Cost of funding earning assets | 0.3228% | 1,935 |
| Net interest margin | 3.7438% | 1,046 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 3.1794% | 705 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.6920% | 3,588 |
| Return on assets (ROA) | 0.6920% | 3,547 |
| Pretax return on assets | 0.8352% | 3,499 |
| Return on Equity (ROE) | 7.5600% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.3180% | 2,258 |
| Net charge-offs to loans | 0.0024% | 2,184 |
| Credit loss provision to net charge-offs | 7,100.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 550.7500% | 288 |
| Efficiency ratio | 76.8300% | 1,011 |
| Assets per employee ($millions) | 4.2327% | 4,201 |
| Cash dividends to net income (ytd only)* | 3.1447% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 3,678 |
| Loan loss allowance to noncurrent loans | 113.7610% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 744 |
| Noncurrent loans to loans | 0.8381% | 934 |
| Net loans and leases to total assets | 74.9600% | 1,014 |
| Net loans and leases to deposits | 85.7689% | 1,185 |
| Net loans and leases to core deposits | 87.0333% | 1,461 |
| Total domestic deposits to total assets | 87.3900% | 2,626 |
| Equity capital to assets | 9.0798% | 2,154 |
| Core capital (leverage) ratio | 9.9414% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $306,337,250 | 2,436 |
| Average earning assets | $282,521,250 | 2,447 |
| Average equity | $28,058,000 | 2,459 |
| Average total loans | $224,004,500 | 2,085 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 1,066 |
| Cost of funding earning assets | 0.2155% | 2,699 |
| Net interest margin | 3.7102% | 896 |
| Noninterest income to average assets | 0.7130% | 1,287 |
| Noninterest expense to average assets | 3.0978% | 734 |
| Loan and lease loss provision to assets | 0.1147% | 877 |
| Net operating income to assets | 0.7626% | 3,105 |
| Return on assets (ROA) | 0.7626% | 3,062 |
| Pretax return on assets | 0.9235% | 2,981 |
| Return on Equity (ROE) | 8.3017% | 2,934 |
| Retained earnings to average equity (ytd only) | 8.3017% | 1,513 |
| Net charge-offs to loans | 0.0054% | 1,809 |
| Credit loss provision to net charge-offs | 2,933.3333% | 189 |
| Earnings coverage of net charge-offs (x) | 265.5000% | 443 |
| Efficiency ratio | 74.8976% | 1,404 |
| Assets per employee ($millions) | 3.9926% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 3,902 |
| Loan loss allowance to noncurrent loans | 110.0053% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6904% | 791 |
| Noncurrent loans to loans | 0.8344% | 1,020 |
| Net loans and leases to total assets | 74.3157% | 885 |
| Net loans and leases to deposits | 83.9057% | 1,128 |
| Net loans and leases to core deposits | 85.0818% | 1,390 |
| Total domestic deposits to total assets | 88.5705% | 2,343 |
| Equity capital to assets | 9.2373% | 2,206 |
| Core capital (leverage) ratio | 9.7445% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,865,000 | 2,452 |
| Average earning assets | $283,113,333 | 2,471 |
| Average equity | $28,187,000 | 2,513 |
| Average total loans | $221,796,000 | 2,098 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 1,159 |
| Cost of funding earning assets | 0.1963% | 2,851 |
| Net interest margin | 3.5648% | 953 |
| Noninterest income to average assets | 0.7285% | 1,225 |
| Noninterest expense to average assets | 3.0475% | 762 |
| Loan and lease loss provision to assets | 0.1076% | 783 |
| Net operating income to assets | 0.7207% | 2,980 |
| Return on assets (ROA) | 0.7207% | 2,969 |
| Pretax return on assets | 0.8698% | 2,888 |
| Return on Equity (ROE) | 7.8681% | 2,733 |
| Retained earnings to average equity (ytd only) | 7.8681% | 1,622 |
| Net charge-offs to loans | 0.0183% | 1,164 |
| Credit loss provision to net charge-offs | 830.0000% | 387 |
| Earnings coverage of net charge-offs (x) | 75.4000% | 770 |
| Efficiency ratio | 75.7166% | 1,561 |
| Assets per employee ($millions) | 4.1530% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 4,036 |
| Loan loss allowance to noncurrent loans | 92.2222% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.7484% | 751 |
| Noncurrent loans to loans | 0.9787% | 928 |
| Net loans and leases to total assets | 71.1675% | 909 |
| Net loans and leases to deposits | 80.4069% | 1,115 |
| Net loans and leases to core deposits | 81.5188% | 1,380 |
| Total domestic deposits to total assets | 88.5092% | 2,292 |
| Equity capital to assets | 9.3364% | 2,414 |
| Core capital (leverage) ratio | 9.5433% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,580,500 | 2,459 |
| Average earning assets | $285,344,500 | 2,477 |
| Average equity | $28,266,000 | 2,583 |
| Average total loans | $218,900,000 | 2,103 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 876 |
| Cost of funding earning assets | 0.2561% | 2,857 |
| Net interest margin | 4.0222% | 679 |
| Noninterest income to average assets | 0.7274% | 1,673 |
| Noninterest expense to average assets | 3.0502% | 918 |
| Loan and lease loss provision to assets | 0.0831% | 1,482 |
| Net operating income to assets | 1.0701% | 2,414 |
| Return on assets (ROA) | 1.0701% | 2,485 |
| Pretax return on assets | 1.3009% | 2,358 |
| Return on Equity (ROE) | 12.2644% | 1,726 |
| Retained earnings to average equity (ytd only) | 11.7753% | 568 |
| Net charge-offs to loans | 0.0336% | 1,562 |
| Credit loss provision to net charge-offs | 341.8919% | 1,004 |
| Earnings coverage of net charge-offs (x) | 56.9730% | 1,213 |
| Efficiency ratio | 68.7889% | 1,883 |
| Assets per employee ($millions) | 4.5564% | 4,071 |
| Cash dividends to net income (ytd only)* | 3.9877% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 4,102 |
| Loan loss allowance to noncurrent loans | 84.4259% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 781 |
| Noncurrent loans to loans | 1.0470% | 940 |
| Net loans and leases to total assets | 69.4476% | 1,104 |
| Net loans and leases to deposits | 78.0989% | 1,392 |
| Net loans and leases to core deposits | 79.2404% | 1,658 |
| Total domestic deposits to total assets | 88.9226% | 1,552 |
| Equity capital to assets | 8.9850% | 3,633 |
| Core capital (leverage) ratio | 9.0357% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,631,000 | 2,412 |
| Average earning assets | $280,740,600 | 2,435 |
| Average equity | $26,581,000 | 2,751 |
| Average total loans | $220,187,800 | 2,099 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 836 |
| Cost of funding earning assets | 0.2652% | 2,954 |
| Net interest margin | 4.1154% | 632 |
| Noninterest income to average assets | 0.7802% | 1,585 |
| Noninterest expense to average assets | 3.0756% | 856 |
| Loan and lease loss provision to assets | 0.0841% | 1,418 |
| Net operating income to assets | 1.1569% | 2,335 |
| Return on assets (ROA) | 1.1569% | 2,394 |
| Pretax return on assets | 1.4066% | 2,307 |
| Return on Equity (ROE) | 13.3602% | 1,592 |
| Retained earnings to average equity (ytd only) | 12.7003% | 686 |
| Net charge-offs to loans | -0.0223% | 4,009 |
| Credit loss provision to net charge-offs | -516.2162% | 3,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3566% | 1,921 |
| Assets per employee ($millions) | 4.0564% | 4,416 |
| Cash dividends to net income (ytd only)* | 4.9392% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 4,099 |
| Loan loss allowance to noncurrent loans | 135.4439% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 1,414 |
| Noncurrent loans to loans | 0.6802% | 1,618 |
| Net loans and leases to total assets | 71.4776% | 922 |
| Net loans and leases to deposits | 84.1953% | 949 |
| Net loans and leases to core deposits | 86.4852% | 1,259 |
| Total domestic deposits to total assets | 84.8951% | 3,151 |
| Equity capital to assets | 9.2663% | 3,595 |
| Core capital (leverage) ratio | 9.1311% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,329,250 | 2,447 |
| Average earning assets | $279,039,750 | 2,455 |
| Average equity | $26,266,500 | 2,800 |
| Average total loans | $220,961,250 | 2,131 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2723% | 1,051 |
| Cost of funding earning assets | 0.2684% | 3,102 |
| Net interest margin | 4.0039% | 815 |
| Noninterest income to average assets | 0.8256% | 1,467 |
| Noninterest expense to average assets | 2.9686% | 1,034 |
| Loan and lease loss provision to assets | 0.0844% | 1,453 |
| Net operating income to assets | 1.1978% | 2,203 |
| Return on assets (ROA) | 1.1978% | 2,270 |
| Pretax return on assets | 1.4516% | 2,170 |
| Return on Equity (ROE) | 14.1523% | 1,368 |
| Retained earnings to average equity (ytd only) | 13.5340% | 631 |
| Net charge-offs to loans | -0.0081% | 3,596 |
| Credit loss provision to net charge-offs | -1,433.3333% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9018% | 2,175 |
| Assets per employee ($millions) | 4.2905% | 4,262 |
| Cash dividends to net income (ytd only)* | 4.3692% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8485% | 4,288 |
| Loan loss allowance to noncurrent loans | 125.6187% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 1,589 |
| Noncurrent loans to loans | 0.6755% | 1,736 |
| Net loans and leases to total assets | 70.0642% | 1,191 |
| Net loans and leases to deposits | 87.0016% | 848 |
| Net loans and leases to core deposits | 89.3593% | 1,183 |
| Total domestic deposits to total assets | 80.5320% | 4,152 |
| Equity capital to assets | 8.5324% | 4,178 |
| Core capital (leverage) ratio | 8.9298% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,734,000 | 2,428 |
| Average earning assets | $280,924,000 | 2,443 |
| Average equity | $25,875,667 | 2,819 |
| Average total loans | $223,407,000 | 2,132 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 1,158 |
| Cost of funding earning assets | 0.2666% | 3,310 |
| Net interest margin | 3.9571% | 900 |
| Noninterest income to average assets | 0.8225% | 1,532 |
| Noninterest expense to average assets | 2.9749% | 1,040 |
| Loan and lease loss provision to assets | 0.0821% | 1,580 |
| Net operating income to assets | 1.1775% | 2,244 |
| Return on assets (ROA) | 1.1775% | 2,310 |
| Pretax return on assets | 1.4027% | 2,272 |
| Return on Equity (ROE) | 13.9717% | 1,434 |
| Retained earnings to average equity (ytd only) | 13.4216% | 829 |
| Net charge-offs to loans | -0.0125% | 3,767 |
| Credit loss provision to net charge-offs | -885.7143% | 3,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7063% | 2,124 |
| Assets per employee ($millions) | 4.4128% | 4,182 |
| Cash dividends to net income (ytd only)* | 3.9370% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 4,442 |
| Loan loss allowance to noncurrent loans | 212.8235% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 2,536 |
| Noncurrent loans to loans | 0.3672% | 2,771 |
| Net loans and leases to total assets | 73.2988% | 875 |
| Net loans and leases to deposits | 93.6025% | 513 |
| Net loans and leases to core deposits | 96.2103% | 870 |
| Total domestic deposits to total assets | 78.3086% | 4,410 |
| Equity capital to assets | 8.1983% | 4,365 |
| Core capital (leverage) ratio | 9.2043% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,997,500 | 2,430 |
| Average earning assets | $277,580,500 | 2,448 |
| Average equity | $25,451,500 | 2,842 |
| Average total loans | $224,448,500 | 2,121 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 2,228 |
| Cost of funding earning assets | 0.4974% | 2,969 |
| Net interest margin | 3.6742% | 1,893 |
| Noninterest income to average assets | 0.7185% | 1,797 |
| Noninterest expense to average assets | 3.2923% | 918 |
| Loan and lease loss provision to assets | 0.1233% | 2,825 |
| Net operating income to assets | 0.5744% | 3,833 |
| Return on assets (ROA) | 0.6422% | 3,743 |
| Pretax return on assets | 0.7683% | 3,708 |
| Return on Equity (ROE) | 7.3380% | 3,055 |
| Retained earnings to average equity (ytd only) | 6.5569% | 1,567 |
| Net charge-offs to loans | 0.0154% | 2,799 |
| Credit loss provision to net charge-offs | 1,130.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 74.3333% | 938 |
| Efficiency ratio | 80.2375% | 871 |
| Assets per employee ($millions) | 4.0942% | 4,299 |
| Cash dividends to net income (ytd only)* | 10.6455% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 4,426 |
| Loan loss allowance to noncurrent loans | 206.4057% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 2,610 |
| Noncurrent loans to loans | 0.3877% | 2,820 |
| Net loans and leases to total assets | 74.2025% | 998 |
| Net loans and leases to deposits | 95.0571% | 595 |
| Net loans and leases to core deposits | 97.0074% | 1,059 |
| Total domestic deposits to total assets | 78.0609% | 4,309 |
| Equity capital to assets | 8.6750% | 4,314 |
| Core capital (leverage) ratio | 9.1040% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,005,600 | 2,428 |
| Average earning assets | $253,334,400 | 2,451 |
| Average equity | $24,066,400 | 2,871 |
| Average total loans | $194,517,400 | 2,297 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 2,984 |
| Cost of funding earning assets | 0.5493% | 2,934 |
| Net interest margin | 3.4476% | 2,759 |
| Noninterest income to average assets | 0.6615% | 1,940 |
| Noninterest expense to average assets | 3.2658% | 958 |
| Loan and lease loss provision to assets | 0.1155% | 2,877 |
| Net operating income to assets | 0.3941% | 4,278 |
| Return on assets (ROA) | 0.4869% | 4,146 |
| Pretax return on assets | 0.5720% | 4,154 |
| Return on Equity (ROE) | 5.5510% | 3,704 |
| Retained earnings to average equity (ytd only) | 4.9735% | 2,572 |
| Net charge-offs to loans | 0.0162% | 2,553 |
| Credit loss provision to net charge-offs | 1,021.7391% | 810 |
| Earnings coverage of net charge-offs (x) | 51.1304% | 1,181 |
| Efficiency ratio | 84.9539% | 560 |
| Assets per employee ($millions) | 4.2643% | 4,079 |
| Cash dividends to net income (ytd only)* | 10.4040% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7575% | 4,463 |
| Loan loss allowance to noncurrent loans | 106.8966% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5006% | 2,205 |
| Noncurrent loans to loans | 0.7086% | 2,021 |
| Net loans and leases to total assets | 70.1131% | 1,931 |
| Net loans and leases to deposits | 94.9212% | 851 |
| Net loans and leases to core deposits | 98.6115% | 1,270 |
| Total domestic deposits to total assets | 73.8646% | 4,576 |
| Equity capital to assets | 7.9758% | 4,719 |
| Core capital (leverage) ratio | 8.7222% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,085,250 | 2,431 |
| Average earning assets | $250,253,500 | 2,447 |
| Average equity | $23,778,750 | 2,883 |
| Average total loans | $188,787,500 | 2,336 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 3,143 |
| Cost of funding earning assets | 0.6242% | 2,841 |
| Net interest margin | 3.4409% | 2,973 |
| Noninterest income to average assets | 0.5650% | 2,282 |
| Noninterest expense to average assets | 3.4063% | 842 |
| Loan and lease loss provision to assets | 0.1011% | 3,002 |
| Net operating income to assets | 0.2081% | 4,569 |
| Return on assets (ROA) | 0.3589% | 4,370 |
| Pretax return on assets | 0.4076% | 4,398 |
| Return on Equity (ROE) | 3.9503% | 4,120 |
| Retained earnings to average equity (ytd only) | 3.3726% | 3,236 |
| Net charge-offs to loans | -0.0067% | 4,092 |
| Credit loss provision to net charge-offs | -2,183.3333% | 3,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9897% | 368 |
| Assets per employee ($millions) | 4.2477% | 4,059 |
| Cash dividends to net income (ytd only)* | 14.6237% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7386% | 4,491 |
| Loan loss allowance to noncurrent loans | 97.1499% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 2,216 |
| Noncurrent loans to loans | 0.7603% | 1,981 |
| Net loans and leases to total assets | 69.8693% | 2,050 |
| Net loans and leases to deposits | 94.8539% | 887 |
| Net loans and leases to core deposits | 98.4972% | 1,370 |
| Total domestic deposits to total assets | 73.6599% | 4,612 |
| Equity capital to assets | 7.9407% | 4,747 |
| Core capital (leverage) ratio | 8.8713% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,104,333 | 2,482 |
| Average earning assets | $239,358,333 | 2,495 |
| Average equity | $23,542,333 | 2,888 |
| Average total loans | $179,413,333 | 2,407 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 2,413 |
| Cost of funding earning assets | 0.7840% | 2,480 |
| Net interest margin | 3.6795% | 2,397 |
| Noninterest income to average assets | 0.5667% | 2,198 |
| Noninterest expense to average assets | 3.6441% | 763 |
| Loan and lease loss provision to assets | 0.0841% | 2,643 |
| Net operating income to assets | 0.1855% | 4,545 |
| Return on assets (ROA) | 0.3531% | 4,270 |
| Pretax return on assets | 0.3969% | 4,297 |
| Return on Equity (ROE) | 3.5990% | 4,072 |
| Retained earnings to average equity (ytd only) | 3.0163% | 3,078 |
| Net charge-offs to loans | -0.0491% | 4,632 |
| Credit loss provision to net charge-offs | -250.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5673% | 409 |
| Assets per employee ($millions) | 3.5536% | 4,436 |
| Cash dividends to net income (ytd only)* | 16.1905% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 4,105 |
| Loan loss allowance to noncurrent loans | 95.9719% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 2,087 |
| Noncurrent loans to loans | 0.9381% | 1,756 |
| Net loans and leases to total assets | 67.3794% | 2,635 |
| Net loans and leases to deposits | 78.9854% | 2,778 |
| Net loans and leases to core deposits | 82.1236% | 3,014 |
| Total domestic deposits to total assets | 85.3062% | 2,288 |
| Equity capital to assets | 9.6192% | 4,118 |
| Core capital (leverage) ratio | 9.5250% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,863,500 | 2,571 |
| Average earning assets | $217,857,500 | 2,588 |
| Average equity | $23,339,500 | 2,900 |
| Average total loans | $162,978,000 | 2,514 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 1,536 |
| Cost of funding earning assets | 0.9609% | 1,903 |
| Net interest margin | 4.0172% | 1,798 |
| Noninterest income to average assets | 0.8135% | 1,416 |
| Noninterest expense to average assets | 3.7350% | 727 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6343% | 4,061 |
| Return on assets (ROA) | 0.6573% | 4,066 |
| Pretax return on assets | 0.7739% | 4,036 |
| Return on Equity (ROE) | 6.3302% | 3,807 |
| Retained earnings to average equity (ytd only) | 5.7282% | 2,017 |
| Net charge-offs to loans | 0.0781% | 1,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 13.5678% | 2,347 |
| Efficiency ratio | 83.3368% | 698 |
| Assets per employee ($millions) | 3.5466% | 4,438 |
| Cash dividends to net income (ytd only)* | 9.5103% | 3,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 3,966 |
| Loan loss allowance to noncurrent loans | 223.5938% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2776% | 3,316 |
| Noncurrent loans to loans | 0.4019% | 3,003 |
| Net loans and leases to total assets | 68.4560% | 2,617 |
| Net loans and leases to deposits | 80.9262% | 2,670 |
| Net loans and leases to core deposits | 84.7735% | 2,892 |
| Total domestic deposits to total assets | 84.5907% | 2,647 |
| Equity capital to assets | 10.0174% | 3,900 |
| Core capital (leverage) ratio | 10.1612% | 3,341 |
| Tier 1 risk-based capital ratio | 13.2882% | 3,637 |
| Total risk-based capital ratio | 14.1592% | 3,715 |
| Memoranda: | ||
| Average total assets | $214,378,000 | 2,715 |
| Average earning assets | $195,760,400 | 2,746 |
| Average equity | $22,258,400 | 2,943 |
| Average total loans | $151,096,200 | 2,603 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0565% | 1,398 |
| Cost of funding earning assets | 0.9869% | 1,817 |
| Net interest margin | 4.0696% | 1,703 |
| Noninterest income to average assets | 0.7930% | 1,439 |
| Noninterest expense to average assets | 3.7830% | 674 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6204% | 4,243 |
| Return on assets (ROA) | 0.6516% | 4,205 |
| Pretax return on assets | 0.7638% | 4,204 |
| Return on Equity (ROE) | 6.2161% | 3,979 |
| Retained earnings to average equity (ytd only) | 5.6114% | 2,564 |
| Net charge-offs to loans | -0.1091% | 5,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8791% | 622 |
| Assets per employee ($millions) | 3.3124% | 4,661 |
| Cash dividends to net income (ytd only)* | 9.7276% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 3,024 |
| Loan loss allowance to noncurrent loans | 239.7418% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 3,201 |
| Noncurrent loans to loans | 0.4592% | 2,926 |
| Net loans and leases to total assets | 71.9427% | 2,185 |
| Net loans and leases to deposits | 87.0849% | 2,049 |
| Net loans and leases to core deposits | 92.1427% | 2,349 |
| Total domestic deposits to total assets | 82.6121% | 3,278 |
| Equity capital to assets | 10.9292% | 3,160 |
| Core capital (leverage) ratio | 10.8152% | 2,821 |
| Tier 1 risk-based capital ratio | 14.4729% | 3,086 |
| Total risk-based capital ratio | 15.5528% | 3,080 |
| Memoranda: | ||
| Average total assets | $210,340,250 | 2,772 |
| Average earning assets | $192,117,000 | 2,797 |
| Average equity | $22,049,750 | 2,981 |
| Average total loans | $149,059,750 | 2,656 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 1,465 |
| Cost of funding earning assets | 0.9688% | 1,832 |
| Net interest margin | 4.0392% | 1,796 |
| Noninterest income to average assets | 0.8042% | 1,335 |
| Noninterest expense to average assets | 3.7678% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6241% | 4,239 |
| Return on assets (ROA) | 0.6714% | 4,146 |
| Pretax return on assets | 0.7843% | 4,127 |
| Return on Equity (ROE) | 6.4962% | 3,878 |
| Retained earnings to average equity (ytd only) | 5.8998% | 2,328 |
| Net charge-offs to loans | -0.0635% | 4,892 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7832% | 669 |
| Assets per employee ($millions) | 3.1917% | 4,776 |
| Cash dividends to net income (ytd only)* | 9.1808% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,137 |
| Loan loss allowance to noncurrent loans | 307.5145% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 3,554 |
| Noncurrent loans to loans | 0.3534% | 3,279 |
| Net loans and leases to total assets | 71.1102% | 2,359 |
| Net loans and leases to deposits | 85.0926% | 2,358 |
| Net loans and leases to core deposits | 90.0683% | 2,592 |
| Total domestic deposits to total assets | 83.5680% | 3,024 |
| Equity capital to assets | 10.9734% | 3,094 |
| Core capital (leverage) ratio | 10.6081% | 2,974 |
| Tier 1 risk-based capital ratio | 14.8042% | 2,913 |
| Total risk-based capital ratio | 15.8728% | 2,932 |
| Memoranda: | ||
| Average total assets | $210,893,670 | 2,777 |
| Average earning assets | $192,812,670 | 2,799 |
| Average equity | $21,797,330 | 2,993 |
| Average total loans | $148,146,000 | 2,677 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8223% | 1,844 |
| Cost of funding earning assets | 0.9350% | 1,864 |
| Net interest margin | 3.8873% | 2,232 |
| Noninterest income to average assets | 0.7600% | 1,399 |
| Noninterest expense to average assets | 3.7384% | 705 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5023% | 4,517 |
| Return on assets (ROA) | 0.5023% | 4,537 |
| Pretax return on assets | 0.5695% | 4,569 |
| Return on Equity (ROE) | 5.0073% | 4,323 |
| Retained earnings to average equity (ytd only) | 4.4489% | 3,150 |
| Net charge-offs to loans | -0.0242% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7794% | 532 |
| Assets per employee ($millions) | 3.4039% | 4,653 |
| Cash dividends to net income (ytd only)* | 11.1524% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 3,418 |
| Loan loss allowance to noncurrent loans | 317.9592% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 3,447 |
| Noncurrent loans to loans | 0.3299% | 3,386 |
| Net loans and leases to total assets | 67.4584% | 2,833 |
| Net loans and leases to deposits | 78.6147% | 2,990 |
| Net loans and leases to core deposits | 83.2801% | 3,086 |
| Total domestic deposits to total assets | 85.8088% | 2,360 |
| Equity capital to assets | 10.0222% | 3,802 |
| Core capital (leverage) ratio | 10.3977% | 3,168 |
| Tier 1 risk-based capital ratio | 14.1917% | 3,246 |
| Total risk-based capital ratio | 15.2103% | 3,278 |
| Memoranda: | ||
| Average total assets | $214,207,500 | 2,771 |
| Average earning assets | $195,507,000 | 2,802 |
| Average equity | $21,488,500 | 3,028 |
| Average total loans | $148,794,000 | 2,701 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7603% | 1,642 |
| Cost of funding earning assets | 0.6658% | 2,297 |
| Net interest margin | 4.0945% | 1,697 |
| Noninterest income to average assets | 1.1280% | 725 |
| Noninterest expense to average assets | 3.5616% | 916 |
| Loan and lease loss provision to assets | 0.0287% | 3,597 |
| Net operating income to assets | 1.0552% | 2,779 |
| Return on assets (ROA) | 1.0552% | 2,769 |
| Pretax return on assets | 1.2606% | 2,651 |
| Return on Equity (ROE) | 10.9557% | 2,100 |
| Retained earnings to average equity (ytd only) | 10.3490% | 557 |
| Net charge-offs to loans | -0.1059% | 5,164 |
| Credit loss provision to net charge-offs | -40.0000% | 4,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4202% | 1,708 |
| Assets per employee ($millions) | 3.4517% | 4,606 |
| Cash dividends to net income (ytd only)* | 5.5379% | 3,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,450 |
| Loan loss allowance to noncurrent loans | 264.3345% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 3,169 |
| Noncurrent loans to loans | 0.3931% | 3,123 |
| Net loans and leases to total assets | 70.0658% | 2,553 |
| Net loans and leases to deposits | 84.9583% | 2,412 |
| Net loans and leases to core deposits | 91.6994% | 2,436 |
| Total domestic deposits to total assets | 82.4708% | 3,496 |
| Equity capital to assets | 10.0702% | 3,609 |
| Core capital (leverage) ratio | 9.6829% | 3,912 |
| Tier 1 risk-based capital ratio | 13.3873% | 3,612 |
| Total risk-based capital ratio | 14.3902% | 3,650 |
| Memoranda: | ||
| Average total assets | $208,782,800 | 2,779 |
| Average earning assets | $189,841,600 | 2,831 |
| Average equity | $20,108,200 | 3,076 |
| Average total loans | $141,603,000 | 2,749 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 1,912 |
| Cost of funding earning assets | 0.6036% | 2,449 |
| Net interest margin | 4.0214% | 1,890 |
| Noninterest income to average assets | 0.9151% | 1,153 |
| Noninterest expense to average assets | 3.4699% | 1,023 |
| Loan and lease loss provision to assets | 0.0384% | 3,234 |
| Net operating income to assets | 0.9017% | 3,524 |
| Return on assets (ROA) | 0.9017% | 3,526 |
| Pretax return on assets | 1.0649% | 3,519 |
| Return on Equity (ROE) | 9.4715% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.8598% | 1,279 |
| Net charge-offs to loans | -0.1431% | 5,238 |
| Credit loss provision to net charge-offs | -40.0000% | 4,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8746% | 1,366 |
| Assets per employee ($millions) | 3.4979% | 4,567 |
| Cash dividends to net income (ytd only)* | 6.4585% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,685 |
| Loan loss allowance to noncurrent loans | 258.1667% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 3,561 |
| Noncurrent loans to loans | 0.3920% | 3,248 |
| Net loans and leases to total assets | 71.0023% | 2,490 |
| Net loans and leases to deposits | 85.0764% | 2,463 |
| Net loans and leases to core deposits | 90.9948% | 2,563 |
| Total domestic deposits to total assets | 83.4571% | 3,139 |
| Equity capital to assets | 9.4220% | 4,165 |
| Core capital (leverage) ratio | 9.6032% | 4,057 |
| Tier 1 risk-based capital ratio | 13.0409% | 3,882 |
| Total risk-based capital ratio | 14.0603% | 3,914 |
| Memoranda: | ||
| Average total assets | $208,340,500 | 2,808 |
| Average earning assets | $189,516,500 | 2,851 |
| Average equity | $19,834,500 | 3,126 |
| Average total loans | $139,735,250 | 2,786 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5233% | 2,017 |
| Cost of funding earning assets | 0.5571% | 2,546 |
| Net interest margin | 3.9662% | 1,977 |
| Noninterest income to average assets | 1.0520% | 876 |
| Noninterest expense to average assets | 3.4210% | 1,114 |
| Loan and lease loss provision to assets | 0.0581% | 2,743 |
| Net operating income to assets | 0.9861% | 3,082 |
| Return on assets (ROA) | 0.9861% | 3,083 |
| Pretax return on assets | 1.1691% | 3,051 |
| Return on Equity (ROE) | 10.3218% | 2,414 |
| Retained earnings to average equity (ytd only) | 9.7039% | 1,007 |
| Net charge-offs to loans | -0.2276% | 5,351 |
| Credit loss provision to net charge-offs | -38.9610% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5998% | 1,775 |
| Assets per employee ($millions) | 3.1241% | 4,994 |
| Cash dividends to net income (ytd only)* | 5.9863% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 3,089 |
| Loan loss allowance to noncurrent loans | 97.3668% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.8477% | 1,761 |
| Noncurrent loans to loans | 1.1610% | 1,502 |
| Net loans and leases to total assets | 67.9332% | 2,880 |
| Net loans and leases to deposits | 78.9628% | 3,056 |
| Net loans and leases to core deposits | 83.8050% | 3,097 |
| Total domestic deposits to total assets | 86.0319% | 2,263 |
| Equity capital to assets | 9.9954% | 3,625 |
| Core capital (leverage) ratio | 9.6354% | 3,961 |
| Tier 1 risk-based capital ratio | 13.8234% | 3,450 |
| Total risk-based capital ratio | 14.9278% | 3,432 |
| Memoranda: | ||
| Average total assets | $206,663,330 | 2,843 |
| Average earning assets | $187,384,000 | 2,885 |
| Average equity | $19,744,670 | 3,152 |
| Average total loans | $135,297,670 | 2,851 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 2,252 |
| Cost of funding earning assets | 0.5479% | 2,420 |
| Net interest margin | 3.8355% | 2,280 |
| Noninterest income to average assets | 1.5332% | 414 |
| Noninterest expense to average assets | 3.3939% | 1,172 |
| Loan and lease loss provision to assets | 0.1143% | 1,653 |
| Net operating income to assets | 1.2284% | 1,900 |
| Return on assets (ROA) | 1.2284% | 1,908 |
| Pretax return on assets | 1.4779% | 1,733 |
| Return on Equity (ROE) | 13.1468% | 1,220 |
| Retained earnings to average equity (ytd only) | 12.5354% | 594 |
| Net charge-offs to loans | -0.2294% | 5,400 |
| Credit loss provision to net charge-offs | -77.9221% | 3,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0672% | 2,824 |
| Assets per employee ($millions) | 3.5830% | 4,563 |
| Cash dividends to net income (ytd only)* | 4.6512% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,416 |
| Loan loss allowance to noncurrent loans | 84.3429% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.8605% | 1,839 |
| Noncurrent loans to loans | 1.2982% | 1,381 |
| Net loans and leases to total assets | 62.0174% | 3,544 |
| Net loans and leases to deposits | 71.7754% | 3,634 |
| Net loans and leases to core deposits | 76.6288% | 3,612 |
| Total domestic deposits to total assets | 86.4048% | 2,361 |
| Equity capital to assets | 9.1711% | 4,394 |
| Core capital (leverage) ratio | 9.4529% | 4,120 |
| Tier 1 risk-based capital ratio | 13.9096% | 3,424 |
| Total risk-based capital ratio | 14.9689% | 3,439 |
| Memoranda: | ||
| Average total assets | $210,024,000 | 2,847 |
| Average earning assets | $189,078,000 | 2,893 |
| Average equity | $19,624,500 | 3,189 |
| Average total loans | $134,256,500 | 2,884 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 2,690 |
| Cost of funding earning assets | 0.5143% | 2,216 |
| Net interest margin | 3.6834% | 2,867 |
| Noninterest income to average assets | 0.9489% | 1,144 |
| Noninterest expense to average assets | 3.4064% | 1,185 |
| Loan and lease loss provision to assets | 0.1766% | 1,227 |
| Net operating income to assets | 0.6032% | 3,994 |
| Return on assets (ROA) | 0.6044% | 4,025 |
| Pretax return on assets | 0.7360% | 4,428 |
| Return on Equity (ROE) | 6.5838% | 3,490 |
| Retained earnings to average equity (ytd only) | 6.0567% | 1,511 |
| Net charge-offs to loans | 0.1605% | 1,520 |
| Credit loss provision to net charge-offs | 174.6411% | 1,553 |
| Earnings coverage of net charge-offs (x) | 9.0096% | 2,835 |
| Efficiency ratio | 78.8972% | 1,237 |
| Assets per employee ($millions) | 3.3075% | 4,928 |
| Cash dividends to net income (ytd only)* | 8.0064% | 3,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,934 |
| Loan loss allowance to noncurrent loans | 77.8488% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 1,751 |
| Noncurrent loans to loans | 1.2863% | 1,368 |
| Net loans and leases to total assets | 64.5508% | 3,290 |
| Net loans and leases to deposits | 75.4628% | 3,381 |
| Net loans and leases to core deposits | 80.8819% | 3,349 |
| Total domestic deposits to total assets | 85.5399% | 2,642 |
| Equity capital to assets | 9.5251% | 4,213 |
| Core capital (leverage) ratio | 9.2147% | 4,379 |
| Tier 1 risk-based capital ratio | 13.7203% | 3,510 |
| Total risk-based capital ratio | 14.6923% | 3,571 |
| Memoranda: | ||
| Average total assets | $206,668,200 | 2,852 |
| Average earning assets | $189,010,200 | 2,877 |
| Average equity | $18,970,800 | 3,246 |
| Average total loans | $130,226,400 | 2,912 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 2,811 |
| Cost of funding earning assets | 0.5108% | 2,180 |
| Net interest margin | 3.6353% | 3,016 |
| Noninterest income to average assets | 0.9111% | 1,238 |
| Noninterest expense to average assets | 3.4068% | 1,146 |
| Loan and lease loss provision to assets | 0.1764% | 1,141 |
| Net operating income to assets | 0.5419% | 4,606 |
| Return on assets (ROA) | 0.5434% | 4,635 |
| Pretax return on assets | 0.6613% | 4,698 |
| Return on Equity (ROE) | 5.9761% | 4,133 |
| Retained earnings to average equity (ytd only) | 5.4450% | 2,572 |
| Net charge-offs to loans | 0.2484% | 871 |
| Credit loss provision to net charge-offs | 113.6929% | 2,092 |
| Earnings coverage of net charge-offs (x) | 5.3858% | 3,115 |
| Efficiency ratio | 80.3005% | 1,066 |
| Assets per employee ($millions) | 3.5219% | 4,701 |
| Cash dividends to net income (ytd only)* | 8.8864% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 4,516 |
| Loan loss allowance to noncurrent loans | 197.7236% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 3,576 |
| Noncurrent loans to loans | 0.4608% | 3,322 |
| Net loans and leases to total assets | 63.6412% | 3,463 |
| Net loans and leases to deposits | 74.2787% | 3,537 |
| Net loans and leases to core deposits | 78.9335% | 3,543 |
| Total domestic deposits to total assets | 85.6790% | 2,436 |
| Equity capital to assets | 9.3665% | 4,577 |
| Core capital (leverage) ratio | 9.0006% | 4,735 |
| Tier 1 risk-based capital ratio | 13.4667% | 3,725 |
| Total risk-based capital ratio | 14.3523% | 3,850 |
| Memoranda: | ||
| Average total assets | $207,068,250 | 2,877 |
| Average earning assets | $189,766,000 | 2,895 |
| Average equity | $18,830,250 | 3,288 |
| Average total loans | $129,355,000 | 2,946 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0924% | 2,851 |
| Cost of funding earning assets | 0.5018% | 2,151 |
| Net interest margin | 3.5906% | 3,077 |
| Noninterest income to average assets | 0.9718% | 1,084 |
| Noninterest expense to average assets | 3.3922% | 1,186 |
| Loan and lease loss provision to assets | 0.1760% | 1,089 |
| Net operating income to assets | 0.5585% | 4,480 |
| Return on assets (ROA) | 0.5609% | 4,518 |
| Pretax return on assets | 0.6866% | 4,586 |
| Return on Equity (ROE) | 6.2301% | 3,943 |
| Retained earnings to average equity (ytd only) | 5.6930% | 2,300 |
| Net charge-offs to loans | 0.2485% | 823 |
| Credit loss provision to net charge-offs | 114.4654% | 1,840 |
| Earnings coverage of net charge-offs (x) | 5.5912% | 2,810 |
| Efficiency ratio | 79.7817% | 1,229 |
| Assets per employee ($millions) | 3.5254% | 4,676 |
| Cash dividends to net income (ytd only)* | 8.6207% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 4,444 |
| Loan loss allowance to noncurrent loans | 243.8384% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 3,902 |
| Noncurrent loans to loans | 0.3871% | 3,640 |
| Net loans and leases to total assets | 60.8962% | 3,753 |
| Net loans and leases to deposits | 71.6742% | 3,771 |
| Net loans and leases to core deposits | 76.3068% | 3,743 |
| Total domestic deposits to total assets | 84.9625% | 2,832 |
| Equity capital to assets | 9.2322% | 4,691 |
| Core capital (leverage) ratio | 8.8961% | 4,848 |
| Tier 1 risk-based capital ratio | 13.7858% | 3,544 |
| Total risk-based capital ratio | 14.6935% | 3,640 |
| Memoranda: | ||
| Average total assets | $206,826,670 | 2,882 |
| Average earning assets | $188,936,330 | 2,922 |
| Average equity | $18,619,330 | 3,315 |
| Average total loans | $127,987,330 | 2,976 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 3,050 |
| Cost of funding earning assets | 0.4925% | 2,152 |
| Net interest margin | 3.5049% | 3,254 |
| Noninterest income to average assets | 0.9465% | 1,114 |
| Noninterest expense to average assets | 3.4116% | 1,176 |
| Loan and lease loss provision to assets | 0.1765% | 997 |
| Net operating income to assets | 0.4857% | 4,654 |
| Return on assets (ROA) | 0.4907% | 4,659 |
| Pretax return on assets | 0.5799% | 4,773 |
| Return on Equity (ROE) | 5.5218% | 4,134 |
| Retained earnings to average equity (ytd only) | 4.9761% | 2,910 |
| Net charge-offs to loans | 0.4748% | 390 |
| Credit loss provision to net charge-offs | 59.8684% | 1,909 |
| Earnings coverage of net charge-offs (x) | 2.5461% | 2,578 |
| Efficiency ratio | 81.9664% | 1,161 |
| Assets per employee ($millions) | 3.5677% | 4,688 |
| Cash dividends to net income (ytd only)* | 9.8814% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 4,840 |
| Loan loss allowance to noncurrent loans | 374.0000% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 4,397 |
| Noncurrent loans to loans | 0.2343% | 4,274 |
| Net loans and leases to total assets | 60.2987% | 3,756 |
| Net loans and leases to deposits | 70.5612% | 3,737 |
| Net loans and leases to core deposits | 74.9708% | 3,743 |
| Total domestic deposits to total assets | 85.4560% | 2,899 |
| Equity capital to assets | 8.8198% | 4,983 |
| Core capital (leverage) ratio | 9.1506% | 4,543 |
| Tier 1 risk-based capital ratio | 13.8509% | 3,574 |
| Total risk-based capital ratio | 14.7032% | 3,723 |
| Memoranda: | ||
| Average total assets | $206,240,000 | 2,925 |
| Average earning assets | $189,221,000 | 2,944 |
| Average equity | $18,327,500 | 3,366 |
| Average total loans | $128,045,500 | 2,992 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 2,856 |
| Cost of funding earning assets | 0.4903% | 2,159 |
| Net interest margin | 3.6089% | 3,044 |
| Noninterest income to average assets | 0.8188% | 1,685 |
| Noninterest expense to average assets | 3.3642% | 1,429 |
| Loan and lease loss provision to assets | 0.1774% | 1,361 |
| Net operating income to assets | 0.4927% | 4,662 |
| Return on assets (ROA) | 0.4956% | 4,723 |
| Pretax return on assets | 0.5819% | 4,834 |
| Return on Equity (ROE) | 5.4366% | 4,221 |
| Retained earnings to average equity (ytd only) | 4.8929% | 2,414 |
| Net charge-offs to loans | 0.3189% | 862 |
| Credit loss provision to net charge-offs | 92.9870% | 2,748 |
| Earnings coverage of net charge-offs (x) | 3.9610% | 3,586 |
| Efficiency ratio | 81.6552% | 1,242 |
| Assets per employee ($millions) | 3.4826% | 4,789 |
| Cash dividends to net income (ytd only)* | 10.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 4,679 |
| Loan loss allowance to noncurrent loans | 217.8637% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 3,925 |
| Noncurrent loans to loans | 0.4241% | 3,621 |
| Net loans and leases to total assets | 62.8067% | 3,501 |
| Net loans and leases to deposits | 73.4032% | 3,576 |
| Net loans and leases to core deposits | 78.6668% | 3,513 |
| Total domestic deposits to total assets | 85.5640% | 2,800 |
| Equity capital to assets | 8.9560% | 4,860 |
| Core capital (leverage) ratio | 8.9517% | 4,794 |
| Tier 1 risk-based capital ratio | 13.5231% | 3,758 |
| Total risk-based capital ratio | 14.4093% | 3,898 |
| Memoranda: | ||
| Average total assets | $201,769,600 | 2,936 |
| Average earning assets | $184,573,800 | 2,960 |
| Average equity | $18,394,000 | 3,356 |
| Average total loans | $120,742,400 | 3,060 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0791% | 2,951 |
| Cost of funding earning assets | 0.4959% | 2,130 |
| Net interest margin | 3.5832% | 3,146 |
| Noninterest income to average assets | 0.9062% | 1,387 |
| Noninterest expense to average assets | 3.4113% | 1,321 |
| Loan and lease loss provision to assets | 0.1877% | 1,164 |
| Net operating income to assets | 0.4924% | 4,725 |
| Return on assets (ROA) | 0.4957% | 4,805 |
| Pretax return on assets | 0.5830% | 4,921 |
| Return on Equity (ROE) | 5.4141% | 4,348 |
| Retained earnings to average equity (ytd only) | 4.8727% | 2,909 |
| Net charge-offs to loans | 0.3543% | 636 |
| Credit loss provision to net charge-offs | 89.8734% | 2,529 |
| Earnings coverage of net charge-offs (x) | 3.6709% | 3,376 |
| Efficiency ratio | 81.6485% | 1,234 |
| Assets per employee ($millions) | 3.6979% | 4,480 |
| Cash dividends to net income (ytd only)* | 10.0002% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 4,548 |
| Loan loss allowance to noncurrent loans | 184.6395% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 3,917 |
| Noncurrent loans to loans | 0.5264% | 3,416 |
| Net loans and leases to total assets | 57.9550% | 4,096 |
| Net loans and leases to deposits | 68.9373% | 4,071 |
| Net loans and leases to core deposits | 73.0703% | 4,079 |
| Total domestic deposits to total assets | 84.0692% | 3,195 |
| Equity capital to assets | 9.2320% | 4,939 |
| Core capital (leverage) ratio | 8.7805% | 5,074 |
| Tier 1 risk-based capital ratio | 13.6752% | 3,759 |
| Total risk-based capital ratio | 14.5752% | 3,879 |
| Memoranda: | ||
| Average total assets | $201,715,000 | 2,945 |
| Average earning assets | $184,187,250 | 2,981 |
| Average equity | $18,470,000 | 3,375 |
| Average total loans | $118,916,750 | 3,092 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,092 |
| Cost of funding earning assets | 0.4907% | 2,184 |
| Net interest margin | 3.5519% | 3,288 |
| Noninterest income to average assets | 0.5882% | 2,683 |
| Noninterest expense to average assets | 3.3803% | 1,409 |
| Loan and lease loss provision to assets | 0.1901% | 1,140 |
| Net operating income to assets | 0.3021% | 5,320 |
| Return on assets (ROA) | 0.3021% | 5,405 |
| Pretax return on assets | 0.2911% | 5,511 |
| Return on Equity (ROE) | 3.3089% | 5,163 |
| Retained earnings to average equity (ytd only) | 2.7610% | 4,139 |
| Net charge-offs to loans | 0.4841% | 455 |
| Credit loss provision to net charge-offs | 66.4336% | 2,514 |
| Earnings coverage of net charge-offs (x) | 1.6818% | 3,371 |
| Efficiency ratio | 87.5389% | 751 |
| Assets per employee ($millions) | 3.5910% | 4,604 |
| Cash dividends to net income (ytd only)* | 16.5563% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 4,745 |
| Loan loss allowance to noncurrent loans | 144.4877% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 3,727 |
| Noncurrent loans to loans | 0.6596% | 3,095 |
| Net loans and leases to total assets | 56.5634% | 4,244 |
| Net loans and leases to deposits | 67.6621% | 4,213 |
| Net loans and leases to core deposits | 71.7474% | 4,199 |
| Total domestic deposits to total assets | 83.5969% | 3,425 |
| Equity capital to assets | 9.2361% | 5,039 |
| Core capital (leverage) ratio | 8.6077% | 5,257 |
| Tier 1 risk-based capital ratio | 13.7513% | 3,747 |
| Total risk-based capital ratio | 14.6314% | 3,882 |
| Memoranda: | ||
| Average total assets | $199,925,670 | 2,978 |
| Average earning assets | $184,240,670 | 2,997 |
| Average equity | $18,254,000 | 3,409 |
| Average total loans | $118,158,000 | 3,110 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,166 |
| Cost of funding earning assets | 0.4872% | 2,204 |
| Net interest margin | 3.5290% | 3,361 |
| Noninterest income to average assets | 0.4353% | 3,574 |
| Noninterest expense to average assets | 3.3430% | 1,500 |
| Loan and lease loss provision to assets | 0.1924% | 1,031 |
| Net operating income to assets | 0.2126% | 5,505 |
| Return on assets (ROA) | 0.2126% | 5,570 |
| Pretax return on assets | 0.1559% | 5,688 |
| Return on Equity (ROE) | 2.3426% | 5,415 |
| Retained earnings to average equity (ytd only) | 1.7849% | 4,553 |
| Net charge-offs to loans | 0.0875% | 1,623 |
| Credit loss provision to net charge-offs | 365.3846% | 753 |
| Earnings coverage of net charge-offs (x) | 6.6154% | 2,226 |
| Efficiency ratio | 90.5650% | 638 |
| Assets per employee ($millions) | 3.6824% | 4,499 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 4,131 |
| Loan loss allowance to noncurrent loans | 122.2753% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 3,257 |
| Noncurrent loans to loans | 0.8887% | 2,623 |
| Net loans and leases to total assets | 56.4580% | 4,201 |
| Net loans and leases to deposits | 67.0051% | 4,156 |
| Net loans and leases to core deposits | 70.9750% | 4,160 |
| Total domestic deposits to total assets | 84.2593% | 3,420 |
| Equity capital to assets | 8.7762% | 5,362 |
| Core capital (leverage) ratio | 8.8711% | 4,997 |
| Tier 1 risk-based capital ratio | 13.8571% | 3,782 |
| Total risk-based capital ratio | 14.8845% | 3,837 |
| Memoranda: | ||
| Average total assets | $197,545,000 | 3,015 |
| Average earning assets | $182,262,000 | 3,021 |
| Average equity | $17,928,500 | 3,450 |
| Average total loans | $118,791,000 | 3,100 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 2,125 |
| Cost of funding earning assets | 0.5250% | 1,958 |
| Net interest margin | 3.8030% | 2,366 |
| Noninterest income to average assets | 0.5092% | 3,259 |
| Noninterest expense to average assets | 3.3697% | 1,548 |
| Loan and lease loss provision to assets | 0.0882% | 2,535 |
| Net operating income to assets | 0.4649% | 4,831 |
| Return on assets (ROA) | 0.4654% | 4,905 |
| Pretax return on assets | 0.5275% | 5,049 |
| Return on Equity (ROE) | 4.8249% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.2556% | 2,957 |
| Net charge-offs to loans | 0.1469% | 1,894 |
| Credit loss provision to net charge-offs | 91.9075% | 2,726 |
| Earnings coverage of net charge-offs (x) | 6.4104% | 3,233 |
| Efficiency ratio | 84.5629% | 1,130 |
| Assets per employee ($millions) | 3.6322% | 4,590 |
| Cash dividends to net income (ytd only)* | 11.7998% | 4,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 4,549 |
| Loan loss allowance to noncurrent loans | 99.1803% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 2,956 |
| Noncurrent loans to loans | 1.0177% | 2,304 |
| Net loans and leases to total assets | 62.8290% | 3,443 |
| Net loans and leases to deposits | 75.6771% | 3,294 |
| Net loans and leases to core deposits | 80.6732% | 3,278 |
| Total domestic deposits to total assets | 83.0225% | 3,825 |
| Equity capital to assets | 9.4026% | 4,669 |
| Core capital (leverage) ratio | 9.2450% | 4,553 |
| Tier 1 risk-based capital ratio | 13.6513% | 3,915 |
| Total risk-based capital ratio | 14.6078% | 4,020 |
| Memoranda: | ||
| Average total assets | $180,284,600 | 3,169 |
| Average earning assets | $164,763,200 | 3,193 |
| Average equity | $17,389,000 | 3,480 |
| Average total loans | $117,739,200 | 3,083 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 2,065 |
| Cost of funding earning assets | 0.5283% | 1,978 |
| Net interest margin | 3.8249% | 2,287 |
| Noninterest income to average assets | 0.5052% | 3,328 |
| Noninterest expense to average assets | 3.1765% | 2,031 |
| Loan and lease loss provision to assets | 0.0966% | 2,241 |
| Net operating income to assets | 0.5952% | 4,406 |
| Return on assets (ROA) | 0.5890% | 4,533 |
| Pretax return on assets | 0.7148% | 4,637 |
| Return on Equity (ROE) | 6.0666% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.4885% | 2,588 |
| Net charge-offs to loans | -0.0671% | 5,648 |
| Credit loss provision to net charge-offs | -218.6441% | 5,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5054% | 1,728 |
| Assets per employee ($millions) | 3.6295% | 4,557 |
| Cash dividends to net income (ytd only)* | 9.5301% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 3,688 |
| Loan loss allowance to noncurrent loans | 109.8833% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 2,731 |
| Noncurrent loans to loans | 1.0877% | 2,307 |
| Net loans and leases to total assets | 63.0624% | 3,448 |
| Net loans and leases to deposits | 76.6540% | 3,230 |
| Net loans and leases to core deposits | 81.7049% | 3,284 |
| Total domestic deposits to total assets | 82.2689% | 4,078 |
| Equity capital to assets | 9.5789% | 4,659 |
| Core capital (leverage) ratio | 9.5452% | 4,244 |
| Tier 1 risk-based capital ratio | 13.7129% | 4,016 |
| Total risk-based capital ratio | 14.8457% | 4,013 |
| Memoranda: | ||
| Average total assets | $178,137,500 | 3,222 |
| Average earning assets | $162,543,000 | 3,246 |
| Average equity | $17,296,500 | 3,517 |
| Average total loans | $117,204,750 | 3,117 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3928% | 1,873 |
| Cost of funding earning assets | 0.5307% | 1,978 |
| Net interest margin | 3.8621% | 2,098 |
| Noninterest income to average assets | 0.5028% | 3,353 |
| Noninterest expense to average assets | 3.1658% | 2,077 |
| Loan and lease loss provision to assets | 0.1126% | 1,950 |
| Net operating income to assets | 0.6100% | 4,293 |
| Return on assets (ROA) | 0.6006% | 4,443 |
| Pretax return on assets | 0.7314% | 4,555 |
| Return on Equity (ROE) | 6.1568% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.5738% | 2,488 |
| Net charge-offs to loans | -0.1266% | 5,866 |
| Credit loss provision to net charge-offs | -133.7838% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7270% | 1,960 |
| Assets per employee ($millions) | 3.4141% | 4,957 |
| Cash dividends to net income (ytd only)* | 9.4697% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 3,878 |
| Loan loss allowance to noncurrent loans | 131.0507% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 3,020 |
| Noncurrent loans to loans | 0.9043% | 2,860 |
| Net loans and leases to total assets | 66.8993% | 2,800 |
| Net loans and leases to deposits | 83.6677% | 2,352 |
| Net loans and leases to core deposits | 89.5500% | 2,390 |
| Total domestic deposits to total assets | 79.9583% | 4,880 |
| Equity capital to assets | 9.8893% | 4,169 |
| Core capital (leverage) ratio | 9.6401% | 4,088 |
| Tier 1 risk-based capital ratio | 13.6475% | 4,130 |
| Total risk-based capital ratio | 14.7821% | 4,136 |
| Memoranda: | ||
| Average total assets | $175,815,330 | 3,271 |
| Average earning assets | $160,172,670 | 3,305 |
| Average equity | $17,151,670 | 3,544 |
| Average total loans | $116,892,000 | 3,138 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 2,103 |
| Cost of funding earning assets | 0.5164% | 2,142 |
| Net interest margin | 3.7826% | 2,287 |
| Noninterest income to average assets | 0.5457% | 2,983 |
| Noninterest expense to average assets | 3.1200% | 2,204 |
| Loan and lease loss provision to assets | 0.1291% | 1,610 |
| Net operating income to assets | 0.6231% | 4,182 |
| Return on assets (ROA) | 0.6045% | 4,365 |
| Pretax return on assets | 0.7404% | 4,466 |
| Return on Equity (ROE) | 6.2390% | 3,909 |
| Retained earnings to average equity (ytd only) | 5.6549% | 2,681 |
| Net charge-offs to loans | -0.2577% | 6,112 |
| Credit loss provision to net charge-offs | -76.0000% | 4,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7652% | 2,219 |
| Assets per employee ($millions) | 3.6341% | 4,652 |
| Cash dividends to net income (ytd only)* | 9.3633% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 4,212 |
| Loan loss allowance to noncurrent loans | 153.5674% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 3,480 |
| Noncurrent loans to loans | 0.7548% | 3,370 |
| Net loans and leases to total assets | 64.9381% | 2,948 |
| Net loans and leases to deposits | 79.4187% | 2,627 |
| Net loans and leases to core deposits | 83.7681% | 2,799 |
| Total domestic deposits to total assets | 81.7668% | 4,577 |
| Equity capital to assets | 9.7293% | 4,464 |
| Core capital (leverage) ratio | 9.6341% | 4,105 |
| Tier 1 risk-based capital ratio | 13.5260% | 4,310 |
| Total risk-based capital ratio | 14.6363% | 4,298 |
| Memoranda: | ||
| Average total assets | $176,664,500 | 3,282 |
| Average earning assets | $161,899,000 | 3,298 |
| Average equity | $17,118,000 | 3,576 |
| Average total loans | $116,398,000 | 3,155 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 1,667 |
| Cost of funding earning assets | 0.5892% | 1,864 |
| Net interest margin | 3.9701% | 1,976 |
| Noninterest income to average assets | 0.5180% | 3,372 |
| Noninterest expense to average assets | 3.1321% | 2,413 |
| Loan and lease loss provision to assets | 0.1145% | 2,258 |
| Net operating income to assets | 0.7071% | 3,852 |
| Return on assets (ROA) | 0.7071% | 3,972 |
| Pretax return on assets | 0.9004% | 3,902 |
| Return on Equity (ROE) | 7.5547% | 3,344 |
| Retained earnings to average equity (ytd only) | 6.9272% | 1,440 |
| Net charge-offs to loans | 0.4797% | 869 |
| Credit loss provision to net charge-offs | 35.7143% | 3,750 |
| Earnings coverage of net charge-offs (x) | 3.1648% | 3,959 |
| Efficiency ratio | 75.5275% | 2,588 |
| Assets per employee ($millions) | 3.7289% | 4,477 |
| Cash dividends to net income (ytd only)* | 8.3056% | 4,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 4,811 |
| Loan loss allowance to noncurrent loans | 135.8491% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.6893% | 3,509 |
| Noncurrent loans to loans | 0.7733% | 3,381 |
| Net loans and leases to total assets | 65.7842% | 2,924 |
| Net loans and leases to deposits | 80.5292% | 2,663 |
| Net loans and leases to core deposits | 85.6508% | 2,719 |
| Total domestic deposits to total assets | 81.6899% | 4,532 |
| Equity capital to assets | 9.6492% | 4,533 |
| Core capital (leverage) ratio | 9.6291% | 4,055 |
| Tier 1 risk-based capital ratio | 13.8510% | 4,208 |
| Total risk-based capital ratio | 14.8757% | 4,275 |
| Memoranda: | ||
| Average total assets | $170,267,000 | 3,339 |
| Average earning assets | $155,640,000 | 3,350 |
| Average equity | $15,937,200 | 3,675 |
| Average total loans | $113,831,200 | 3,145 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 1,710 |
| Cost of funding earning assets | 0.6017% | 1,812 |
| Net interest margin | 3.9460% | 2,052 |
| Noninterest income to average assets | 0.5064% | 3,501 |
| Noninterest expense to average assets | 3.1191% | 2,410 |
| Loan and lease loss provision to assets | 0.1191% | 2,083 |
| Net operating income to assets | 0.6902% | 3,993 |
| Return on assets (ROA) | 0.6902% | 4,084 |
| Pretax return on assets | 0.8740% | 4,095 |
| Return on Equity (ROE) | 7.4338% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.7966% | 1,923 |
| Net charge-offs to loans | 0.0613% | 3,330 |
| Credit loss provision to net charge-offs | 290.3846% | 932 |
| Earnings coverage of net charge-offs (x) | 24.2120% | 1,554 |
| Efficiency ratio | 75.8488% | 2,514 |
| Assets per employee ($millions) | 3.7563% | 4,384 |
| Cash dividends to net income (ytd only)* | 8.5716% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 2,902 |
| Loan loss allowance to noncurrent loans | 128.1776% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9335% | 3,103 |
| Noncurrent loans to loans | 1.1392% | 2,779 |
| Net loans and leases to total assets | 65.3792% | 2,971 |
| Net loans and leases to deposits | 80.0649% | 2,677 |
| Net loans and leases to core deposits | 84.4452% | 2,833 |
| Total domestic deposits to total assets | 81.6577% | 4,608 |
| Equity capital to assets | 9.5294% | 4,761 |
| Core capital (leverage) ratio | 9.4180% | 4,490 |
| Tier 1 risk-based capital ratio | 13.6724% | 4,430 |
| Total risk-based capital ratio | 14.9244% | 4,375 |
| Memoranda: | ||
| Average total assets | $169,019,250 | 3,381 |
| Average earning assets | $154,448,000 | 3,393 |
| Average equity | $15,693,750 | 3,735 |
| Average total loans | $113,160,000 | 3,178 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5356% | 1,711 |
| Cost of funding earning assets | 0.6171% | 1,758 |
| Net interest margin | 3.9185% | 2,087 |
| Noninterest income to average assets | 0.4888% | 3,562 |
| Noninterest expense to average assets | 3.1235% | 2,417 |
| Loan and lease loss provision to assets | 0.1204% | 2,046 |
| Net operating income to assets | 0.6545% | 4,074 |
| Return on assets (ROA) | 0.6545% | 4,170 |
| Pretax return on assets | 0.8178% | 4,204 |
| Return on Equity (ROE) | 7.1131% | 3,569 |
| Retained earnings to average equity (ytd only) | 6.4653% | 2,054 |
| Net charge-offs to loans | 0.0746% | 2,955 |
| Credit loss provision to net charge-offs | 240.4762% | 1,014 |
| Earnings coverage of net charge-offs (x) | 18.7381% | 1,664 |
| Efficiency ratio | 76.9005% | 2,471 |
| Assets per employee ($millions) | 3.7114% | 4,437 |
| Cash dividends to net income (ytd only)* | 9.1075% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 3,227 |
| Loan loss allowance to noncurrent loans | 140.8621% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 3,311 |
| Noncurrent loans to loans | 1.0106% | 3,214 |
| Net loans and leases to total assets | 66.2738% | 2,714 |
| Net loans and leases to deposits | 81.7807% | 2,275 |
| Net loans and leases to core deposits | 86.6057% | 2,460 |
| Total domestic deposits to total assets | 81.0385% | 4,968 |
| Equity capital to assets | 9.4081% | 4,835 |
| Core capital (leverage) ratio | 9.3226% | 4,560 |
| Tier 1 risk-based capital ratio | 13.4243% | 4,634 |
| Total risk-based capital ratio | 14.6758% | 4,575 |
| Memoranda: | ||
| Average total assets | $167,761,670 | 3,410 |
| Average earning assets | $152,967,670 | 3,431 |
| Average equity | $15,436,330 | 3,782 |
| Average total loans | $112,665,330 | 3,194 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 1,725 |
| Cost of funding earning assets | 0.6388% | 1,657 |
| Net interest margin | 3.8854% | 2,138 |
| Noninterest income to average assets | 0.4474% | 3,811 |
| Noninterest expense to average assets | 3.1994% | 2,238 |
| Loan and lease loss provision to assets | 0.1227% | 1,962 |
| Net operating income to assets | 0.5533% | 4,445 |
| Return on assets (ROA) | 0.5533% | 4,518 |
| Pretax return on assets | 0.6663% | 4,612 |
| Return on Equity (ROE) | 6.0832% | 3,978 |
| Retained earnings to average equity (ytd only) | 5.4220% | 2,839 |
| Net charge-offs to loans | 0.0538% | 2,628 |
| Credit loss provision to net charge-offs | 340.0000% | 728 |
| Earnings coverage of net charge-offs (x) | 21.8667% | 1,276 |
| Efficiency ratio | 80.2171% | 2,178 |
| Assets per employee ($millions) | 3.5651% | 4,797 |
| Cash dividends to net income (ytd only)* | 10.8696% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 3,432 |
| Loan loss allowance to noncurrent loans | 132.3747% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 3,367 |
| Noncurrent loans to loans | 1.0859% | 3,245 |
| Net loans and leases to total assets | 65.9211% | 2,576 |
| Net loans and leases to deposits | 80.7253% | 2,200 |
| Net loans and leases to core deposits | 85.0396% | 2,415 |
| Total domestic deposits to total assets | 81.6610% | 5,039 |
| Equity capital to assets | 9.2157% | 4,858 |
| Core capital (leverage) ratio | 9.1502% | 4,790 |
| Tier 1 risk-based capital ratio | 13.2736% | 4,839 |
| Total risk-based capital ratio | 14.5251% | 4,772 |
| Memoranda: | ||
| Average total assets | $166,280,000 | 3,458 |
| Average earning assets | $151,541,000 | 3,478 |
| Average equity | $15,123,500 | 3,843 |
| Average total loans | $111,608,000 | 3,227 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 2,555 |
| Cost of funding earning assets | 0.8106% | 1,158 |
| Net interest margin | 3.5980% | 3,478 |
| Noninterest income to average assets | 0.4566% | 4,044 |
| Noninterest expense to average assets | 3.1069% | 2,712 |
| Loan and lease loss provision to assets | 0.1450% | 2,487 |
| Net operating income to assets | 0.4216% | 5,073 |
| Return on assets (ROA) | 0.4536% | 5,065 |
| Pretax return on assets | 0.5375% | 5,081 |
| Return on Equity (ROE) | 5.0270% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.3577% | 3,076 |
| Net charge-offs to loans | 0.4889% | 1,361 |
| Credit loss provision to net charge-offs | 46.2428% | 3,911 |
| Earnings coverage of net charge-offs (x) | 2.0559% | 4,362 |
| Efficiency ratio | 82.8208% | 1,772 |
| Assets per employee ($millions) | 3.5106% | 4,881 |
| Cash dividends to net income (ytd only)* | 13.3156% | 3,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 3,564 |
| Loan loss allowance to noncurrent loans | 112.6609% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0685% | 3,275 |
| Noncurrent loans to loans | 1.2578% | 3,025 |
| Net loans and leases to total assets | 66.4077% | 2,628 |
| Net loans and leases to deposits | 84.0237% | 1,941 |
| Net loans and leases to core deposits | 88.5652% | 2,184 |
| Total domestic deposits to total assets | 79.0344% | 5,648 |
| Equity capital to assets | 8.9728% | 5,069 |
| Core capital (leverage) ratio | 8.9520% | 5,075 |
| Tier 1 risk-based capital ratio | 12.8669% | 5,070 |
| Total risk-based capital ratio | 14.1185% | 5,015 |
| Memoranda: | ||
| Average total assets | $165,569,200 | 3,479 |
| Average earning assets | $151,610,400 | 3,474 |
| Average equity | $14,939,200 | 3,885 |
| Average total loans | $106,165,600 | 3,321 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 2,881 |
| Cost of funding earning assets | 0.8519% | 1,035 |
| Net interest margin | 3.4752% | 3,996 |
| Noninterest income to average assets | 0.4313% | 4,286 |
| Noninterest expense to average assets | 3.1049% | 2,637 |
| Loan and lease loss provision to assets | 0.1488% | 2,411 |
| Net operating income to assets | 0.3226% | 5,531 |
| Return on assets (ROA) | 0.3677% | 5,512 |
| Pretax return on assets | 0.4152% | 5,587 |
| Return on Equity (ROE) | 4.0695% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.4016% | 4,265 |
| Net charge-offs to loans | 0.6392% | 960 |
| Credit loss provision to net charge-offs | 36.7793% | 3,769 |
| Earnings coverage of net charge-offs (x) | 1.2684% | 4,419 |
| Efficiency ratio | 85.8128% | 1,374 |
| Assets per employee ($millions) | 3.6656% | 4,519 |
| Cash dividends to net income (ytd only)* | 16.4117% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 3,837 |
| Loan loss allowance to noncurrent loans | 121.5190% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.9661% | 3,731 |
| Noncurrent loans to loans | 1.1633% | 3,494 |
| Net loans and leases to total assets | 63.5306% | 3,073 |
| Net loans and leases to deposits | 76.3345% | 2,911 |
| Net loans and leases to core deposits | 79.4029% | 3,189 |
| Total domestic deposits to total assets | 83.2266% | 4,491 |
| Equity capital to assets | 8.6823% | 5,541 |
| Core capital (leverage) ratio | 8.6046% | 5,658 |
| Tier 1 risk-based capital ratio | 12.6603% | 5,354 |
| Total risk-based capital ratio | 13.9117% | 5,295 |
| Memoranda: | ||
| Average total assets | $165,711,750 | 3,509 |
| Average earning assets | $151,968,500 | 3,500 |
| Average equity | $14,972,750 | 3,918 |
| Average total loans | $104,920,250 | 3,366 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 3,056 |
| Cost of funding earning assets | 0.8846% | 964 |
| Net interest margin | 3.3906% | 4,220 |
| Noninterest income to average assets | 0.4091% | 4,457 |
| Noninterest expense to average assets | 3.1406% | 2,552 |
| Loan and lease loss provision to assets | 0.1093% | 2,970 |
| Net operating income to assets | 0.2509% | 5,777 |
| Return on assets (ROA) | 0.3205% | 5,674 |
| Pretax return on assets | 0.3533% | 5,740 |
| Return on Equity (ROE) | 3.5005% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.8375% | 4,507 |
| Net charge-offs to loans | 0.3299% | 1,871 |
| Credit loss provision to net charge-offs | 52.6316% | 3,165 |
| Earnings coverage of net charge-offs (x) | 1.8596% | 3,908 |
| Efficiency ratio | 89.0534% | 1,128 |
| Assets per employee ($millions) | 3.2965% | 5,269 |
| Cash dividends to net income (ytd only)* | 18.9394% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 2,862 |
| Loan loss allowance to noncurrent loans | 111.8612% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.1910% | 3,366 |
| Noncurrent loans to loans | 1.5006% | 3,054 |
| Net loans and leases to total assets | 63.0094% | 3,097 |
| Net loans and leases to deposits | 77.5099% | 2,640 |
| Net loans and leases to core deposits | 80.9292% | 2,919 |
| Total domestic deposits to total assets | 81.2921% | 5,267 |
| Equity capital to assets | 8.7251% | 5,513 |
| Core capital (leverage) ratio | 8.7599% | 5,344 |
| Tier 1 risk-based capital ratio | 12.7998% | 5,289 |
| Total risk-based capital ratio | 14.0541% | 5,216 |
| Memoranda: | ||
| Average total assets | $164,743,000 | 3,544 |
| Average earning assets | $151,477,330 | 3,527 |
| Average equity | $15,083,670 | 3,927 |
| Average total loans | $103,673,670 | 3,410 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 3,304 |
| Cost of funding earning assets | 0.8841% | 1,060 |
| Net interest margin | 3.3160% | 4,462 |
| Noninterest income to average assets | 0.3570% | 4,810 |
| Noninterest expense to average assets | 3.0649% | 2,793 |
| Loan and lease loss provision to assets | 0.1093% | 2,877 |
| Net operating income to assets | 0.2429% | 5,751 |
| Return on assets (ROA) | 0.2429% | 5,873 |
| Pretax return on assets | 0.2526% | 5,952 |
| Return on Equity (ROE) | 2.5915% | 5,744 |
| Retained earnings to average equity (ytd only) | 1.9436% | 5,031 |
| Net charge-offs to loans | 0.5648% | 1,077 |
| Credit loss provision to net charge-offs | 31.0345% | 2,877 |
| Earnings coverage of net charge-offs (x) | 1.0276% | 3,498 |
| Efficiency ratio | 89.4401% | 1,191 |
| Assets per employee ($millions) | 3.3321% | 5,367 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 3,051 |
| Loan loss allowance to noncurrent loans | 81.9626% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5114% | 2,987 |
| Noncurrent loans to loans | 2.0617% | 2,550 |
| Net loans and leases to total assets | 61.2479% | 3,216 |
| Net loans and leases to deposits | 76.9321% | 2,496 |
| Net loans and leases to core deposits | 80.3582% | 2,770 |
| Total domestic deposits to total assets | 79.6129% | 5,839 |
| Equity capital to assets | 9.2122% | 5,237 |
| Core capital (leverage) ratio | 8.9341% | 4,997 |
| Tier 1 risk-based capital ratio | 13.1726% | 5,083 |
| Total risk-based capital ratio | 14.4268% | 5,039 |
| Memoranda: | ||
| Average total assets | $164,703,000 | 3,585 |
| Average earning assets | $152,472,500 | 3,552 |
| Average equity | $15,435,000 | 3,913 |
| Average total loans | $102,697,000 | 3,446 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6320% | 2,872 |
| Cost of funding earning assets | 1.0303% | 1,207 |
| Net interest margin | 3.6017% | 4,076 |
| Noninterest income to average assets | 0.4044% | 4,568 |
| Noninterest expense to average assets | 2.9675% | 3,397 |
| Loan and lease loss provision to assets | 0.1932% | 3,219 |
| Net operating income to assets | 0.4668% | 4,813 |
| Return on assets (ROA) | 0.4795% | 5,011 |
| Pretax return on assets | 0.6284% | 4,901 |
| Return on Equity (ROE) | 4.9627% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.4644% | 3,093 |
| Net charge-offs to loans | 0.4627% | 2,386 |
| Credit loss provision to net charge-offs | 63.2353% | 4,368 |
| Earnings coverage of net charge-offs (x) | 2.6345% | 4,111 |
| Efficiency ratio | 78.4584% | 2,368 |
| Assets per employee ($millions) | 3.3225% | 5,375 |
| Cash dividends to net income (ytd only)* | 10.0402% | 4,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 2,511 |
| Loan loss allowance to noncurrent loans | 76.3591% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.7905% | 2,723 |
| Noncurrent loans to loans | 2.3898% | 2,241 |
| Net loans and leases to total assets | 61.2674% | 3,375 |
| Net loans and leases to deposits | 75.5917% | 2,870 |
| Net loans and leases to core deposits | 79.1286% | 3,129 |
| Total domestic deposits to total assets | 81.0505% | 5,388 |
| Equity capital to assets | 9.5343% | 4,828 |
| Core capital (leverage) ratio | 9.1761% | 4,618 |
| Tier 1 risk-based capital ratio | 13.7456% | 4,566 |
| Total risk-based capital ratio | 15.0017% | 4,521 |
| Memoranda: | ||
| Average total assets | $155,789,200 | 3,689 |
| Average earning assets | $145,681,600 | 3,629 |
| Average equity | $15,052,400 | 3,955 |
| Average total loans | $102,883,400 | 3,459 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 2,721 |
| Cost of funding earning assets | 1.0739% | 1,175 |
| Net interest margin | 3.6447% | 4,026 |
| Noninterest income to average assets | 0.3826% | 4,763 |
| Noninterest expense to average assets | 2.9689% | 3,342 |
| Loan and lease loss provision to assets | 0.1948% | 3,140 |
| Net operating income to assets | 0.4752% | 4,928 |
| Return on assets (ROA) | 0.4890% | 5,153 |
| Pretax return on assets | 0.6448% | 5,030 |
| Return on Equity (ROE) | 5.0439% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.5976% | 3,665 |
| Net charge-offs to loans | 0.5646% | 1,921 |
| Credit loss provision to net charge-offs | 51.4874% | 4,365 |
| Earnings coverage of net charge-offs (x) | 2.1716% | 4,173 |
| Efficiency ratio | 78.0544% | 2,397 |
| Assets per employee ($millions) | 3.4090% | 5,186 |
| Cash dividends to net income (ytd only)* | 8.8503% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7555% | 2,950 |
| Loan loss allowance to noncurrent loans | 73.8018% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.9491% | 2,715 |
| Noncurrent loans to loans | 2.3786% | 2,427 |
| Net loans and leases to total assets | 66.2871% | 2,601 |
| Net loans and leases to deposits | 82.2986% | 2,077 |
| Net loans and leases to core deposits | 85.8577% | 2,482 |
| Total domestic deposits to total assets | 80.5446% | 5,498 |
| Equity capital to assets | 10.0152% | 4,472 |
| Core capital (leverage) ratio | 9.4192% | 4,393 |
| Tier 1 risk-based capital ratio | 13.9838% | 4,536 |
| Total risk-based capital ratio | 15.2407% | 4,481 |
| Memoranda: | ||
| Average total assets | $154,036,250 | 3,753 |
| Average earning assets | $144,021,250 | 3,690 |
| Average equity | $14,935,000 | 4,023 |
| Average total loans | $103,204,750 | 3,479 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 2,749 |
| Cost of funding earning assets | 1.1142% | 1,152 |
| Net interest margin | 3.6279% | 4,150 |
| Noninterest income to average assets | 0.3773% | 4,820 |
| Noninterest expense to average assets | 2.9913% | 3,285 |
| Loan and lease loss provision to assets | 0.1945% | 3,140 |
| Net operating income to assets | 0.4506% | 5,034 |
| Return on assets (ROA) | 0.4616% | 5,233 |
| Pretax return on assets | 0.6003% | 5,132 |
| Return on Equity (ROE) | 4.8134% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.4754% | 3,622 |
| Net charge-offs to loans | 0.8205% | 1,343 |
| Credit loss provision to net charge-offs | 35.4610% | 4,350 |
| Earnings coverage of net charge-offs (x) | 1.4232% | 4,291 |
| Efficiency ratio | 78.8931% | 2,339 |
| Assets per employee ($millions) | 3.3259% | 5,390 |
| Cash dividends to net income (ytd only)* | 7.0225% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 3,323 |
| Loan loss allowance to noncurrent loans | 90.4688% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.7060% | 3,163 |
| Noncurrent loans to loans | 1.8551% | 3,139 |
| Net loans and leases to total assets | 67.2408% | 2,417 |
| Net loans and leases to deposits | 82.0038% | 2,110 |
| Net loans and leases to core deposits | 85.6882% | 2,469 |
| Total domestic deposits to total assets | 81.9971% | 5,134 |
| Equity capital to assets | 9.8273% | 4,581 |
| Core capital (leverage) ratio | 8.9405% | 4,996 |
| Tier 1 risk-based capital ratio | 13.4339% | 4,879 |
| Total risk-based capital ratio | 14.6894% | 4,831 |
| Memoranda: | ||
| Average total assets | $154,246,000 | 3,765 |
| Average earning assets | $144,324,670 | 3,708 |
| Average equity | $14,792,000 | 4,033 |
| Average total loans | $103,104,330 | 3,496 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 2,946 |
| Cost of funding earning assets | 1.1320% | 1,246 |
| Net interest margin | 3.5948% | 4,292 |
| Noninterest income to average assets | 0.3797% | 4,822 |
| Noninterest expense to average assets | 2.9650% | 3,408 |
| Loan and lease loss provision to assets | 0.1937% | 3,008 |
| Net operating income to assets | 0.4482% | 5,044 |
| Return on assets (ROA) | 0.4701% | 5,150 |
| Pretax return on assets | 0.6121% | 5,075 |
| Return on Equity (ROE) | 4.9623% | 4,805 |
| Retained earnings to average equity (ytd only) | 4.9623% | 3,579 |
| Net charge-offs to loans | 1.2312% | 827 |
| Credit loss provision to net charge-offs | 23.8095% | 3,723 |
| Earnings coverage of net charge-offs (x) | 0.9556% | 3,851 |
| Efficiency ratio | 78.3989% | 2,439 |
| Assets per employee ($millions) | 3.4114% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 3,204 |
| Loan loss allowance to noncurrent loans | 98.5132% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.6008% | 3,445 |
| Noncurrent loans to loans | 1.7635% | 3,465 |
| Net loans and leases to total assets | 64.4826% | 2,768 |
| Net loans and leases to deposits | 78.0311% | 2,499 |
| Net loans and leases to core deposits | 79.6502% | 3,104 |
| Total domestic deposits to total assets | 82.6370% | 5,067 |
| Equity capital to assets | 9.4185% | 4,926 |
| Core capital (leverage) ratio | 9.0102% | 4,827 |
| Tier 1 risk-based capital ratio | 13.7442% | 4,646 |
| Total risk-based capital ratio | 15.0014% | 4,630 |
| Memoranda: | ||
| Average total assets | $154,873,000 | 3,784 |
| Average earning assets | $144,877,500 | 3,720 |
| Average equity | $14,670,500 | 4,061 |
| Average total loans | $102,342,000 | 3,531 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7523% | 4,017 |
| Cost of funding earning assets | 1.3256% | 1,364 |
| Net interest margin | 3.4267% | 5,399 |
| Noninterest income to average assets | 0.3502% | 5,002 |
| Noninterest expense to average assets | 3.0299% | 3,479 |
| Loan and lease loss provision to assets | 0.2012% | 4,171 |
| Net operating income to assets | 0.2369% | 5,474 |
| Return on assets (ROA) | 0.3429% | 5,256 |
| Pretax return on assets | 0.4448% | 5,149 |
| Return on Equity (ROE) | 3.7575% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.7575% | 3,543 |
| Net charge-offs to loans | 0.3949% | 3,436 |
| Credit loss provision to net charge-offs | 78.7565% | 4,512 |
| Earnings coverage of net charge-offs (x) | 1.9896% | 4,290 |
| Efficiency ratio | 85.5753% | 1,607 |
| Assets per employee ($millions) | 3.1838% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9950% | 2,300 |
| Loan loss allowance to noncurrent loans | 85.4676% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.7812% | 3,278 |
| Noncurrent loans to loans | 2.3342% | 2,816 |
| Net loans and leases to total assets | 65.2244% | 2,934 |
| Net loans and leases to deposits | 79.2715% | 2,648 |
| Net loans and leases to core deposits | 81.3881% | 3,265 |
| Total domestic deposits to total assets | 82.2798% | 5,037 |
| Equity capital to assets | 9.5282% | 4,839 |
| Core capital (leverage) ratio | 8.8381% | 5,040 |
| Tier 1 risk-based capital ratio | 13.5295% | 4,675 |
| Total risk-based capital ratio | 14.7894% | 4,639 |
| Memoranda: | ||
| Average total assets | $151,062,600 | 3,779 |
| Average earning assets | $140,541,400 | 3,735 |
| Average equity | $13,785,600 | 4,162 |
| Average total loans | $97,753,200 | 3,678 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7505% | 4,223 |
| Cost of funding earning assets | 1.3641% | 1,402 |
| Net interest margin | 3.3864% | 5,619 |
| Noninterest income to average assets | 0.3373% | 5,157 |
| Noninterest expense to average assets | 3.0415% | 3,392 |
| Loan and lease loss provision to assets | 0.2027% | 3,991 |
| Net operating income to assets | 0.2053% | 5,690 |
| Return on assets (ROA) | 0.2213% | 5,779 |
| Pretax return on assets | 0.2585% | 5,789 |
| Return on Equity (ROE) | 2.4524% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.4524% | 4,896 |
| Net charge-offs to loans | 0.4960% | 2,766 |
| Credit loss provision to net charge-offs | 63.6111% | 4,685 |
| Earnings coverage of net charge-offs (x) | 1.3889% | 4,585 |
| Efficiency ratio | 87.2459% | 1,415 |
| Assets per employee ($millions) | 3.1565% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9820% | 2,386 |
| Loan loss allowance to noncurrent loans | 67.1186% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 2.6476% | 2,445 |
| Noncurrent loans to loans | 2.9530% | 2,359 |
| Net loans and leases to total assets | 63.3092% | 3,451 |
| Net loans and leases to deposits | 76.6597% | 3,217 |
| Net loans and leases to core deposits | 78.5741% | 3,818 |
| Total domestic deposits to total assets | 82.5846% | 4,843 |
| Equity capital to assets | 9.3672% | 5,279 |
| Core capital (leverage) ratio | 8.7175% | 5,376 |
| Tier 1 risk-based capital ratio | 13.7375% | 4,549 |
| Total risk-based capital ratio | 14.9982% | 4,499 |
| Memoranda: | ||
| Average total assets | $150,623,250 | 3,814 |
| Average earning assets | $139,967,000 | 3,768 |
| Average equity | $13,591,750 | 4,219 |
| Average total loans | $96,765,250 | 3,733 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 4,091 |
| Cost of funding earning assets | 1.4113% | 1,368 |
| Net interest margin | 3.3912% | 5,581 |
| Noninterest income to average assets | 0.3537% | 5,058 |
| Noninterest expense to average assets | 3.1218% | 3,173 |
| Loan and lease loss provision to assets | 0.2037% | 3,886 |
| Net operating income to assets | 0.1631% | 5,848 |
| Return on assets (ROA) | 0.1903% | 5,882 |
| Pretax return on assets | 0.2063% | 5,923 |
| Return on Equity (ROE) | 2.1365% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.1365% | 4,923 |
| Net charge-offs to loans | 0.5767% | 2,380 |
| Credit loss provision to net charge-offs | 55.0725% | 4,455 |
| Earnings coverage of net charge-offs (x) | 1.0290% | 4,520 |
| Efficiency ratio | 89.0589% | 1,318 |
| Assets per employee ($millions) | 3.1938% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0197% | 2,315 |
| Loan loss allowance to noncurrent loans | 62.1132% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 2.9827% | 2,246 |
| Noncurrent loans to loans | 3.2516% | 2,193 |
| Net loans and leases to total assets | 65.6143% | 3,112 |
| Net loans and leases to deposits | 80.3093% | 2,737 |
| Net loans and leases to core deposits | 82.8807% | 3,378 |
| Total domestic deposits to total assets | 81.7021% | 5,273 |
| Equity capital to assets | 9.7357% | 4,489 |
| Core capital (leverage) ratio | 8.5218% | 5,517 |
| Tier 1 risk-based capital ratio | 13.8432% | 4,277 |
| Total risk-based capital ratio | 15.1039% | 4,239 |
| Memoranda: | ||
| Average total assets | $149,275,000 | 3,860 |
| Average earning assets | $138,594,000 | 3,814 |
| Average equity | $13,293,000 | 4,278 |
| Average total loans | $95,720,670 | 3,804 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 4,673 |
| Cost of funding earning assets | 1.4100% | 1,562 |
| Net interest margin | 3.2548% | 5,910 |
| Noninterest income to average assets | 0.3456% | 5,148 |
| Noninterest expense to average assets | 3.2116% | 2,860 |
| Loan and lease loss provision to assets | 0.2021% | 3,618 |
| Net operating income to assets | 0.0266% | 6,289 |
| Return on assets (ROA) | 0.0266% | 6,324 |
| Pretax return on assets | -0.0425% | 6,397 |
| Return on Equity (ROE) | 0.3128% | 6,304 |
| Retained earnings to average equity (ytd only) | 0.3128% | 5,682 |
| Net charge-offs to loans | 0.5763% | 2,047 |
| Credit loss provision to net charge-offs | 55.8824% | 3,628 |
| Earnings coverage of net charge-offs (x) | 0.4412% | 4,294 |
| Efficiency ratio | 95.1893% | 972 |
| Assets per employee ($millions) | 3.1402% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1487% | 2,080 |
| Loan loss allowance to noncurrent loans | 51.3263% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 3.4592% | 1,970 |
| Noncurrent loans to loans | 4.1863% | 1,713 |
| Net loans and leases to total assets | 61.9671% | 3,858 |
| Net loans and leases to deposits | 75.1063% | 3,567 |
| Net loans and leases to core deposits | 77.7503% | 4,056 |
| Total domestic deposits to total assets | 82.5058% | 5,107 |
| Equity capital to assets | 9.1568% | 4,942 |
| Core capital (leverage) ratio | 8.6545% | 5,161 |
| Tier 1 risk-based capital ratio | 13.6916% | 4,288 |
| Total risk-based capital ratio | 14.9533% | 4,253 |
| Memoranda: | ||
| Average total assets | $150,456,000 | 3,870 |
| Average earning assets | $139,854,000 | 3,825 |
| Average equity | $12,788,000 | 4,385 |
| Average total loans | $94,389,500 | 3,872 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9654% | 4,719 |
| Cost of funding earning assets | 1.6431% | 1,857 |
| Net interest margin | 3.3222% | 5,901 |
| Noninterest income to average assets | 0.3369% | 5,376 |
| Noninterest expense to average assets | 3.1175% | 3,393 |
| Loan and lease loss provision to assets | 0.1827% | 5,395 |
| Net operating income to assets | 0.1409% | 5,469 |
| Return on assets (ROA) | 0.1548% | 5,583 |
| Pretax return on assets | 0.1444% | 5,609 |
| Return on Equity (ROE) | 1.8745% | 5,435 |
| Retained earnings to average equity (ytd only) | 1.8745% | 4,551 |
| Net charge-offs to loans | 2.0579% | 978 |
| Credit loss provision to net charge-offs | 13.0025% | 6,597 |
| Earnings coverage of net charge-offs (x) | 0.2228% | 5,882 |
| Efficiency ratio | 90.8111% | 1,256 |
| Assets per employee ($millions) | 3.3374% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2620% | 1,754 |
| Loan loss allowance to noncurrent loans | 46.3650% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 3.8460% | 1,782 |
| Noncurrent loans to loans | 4.8786% | 1,406 |
| Net loans and leases to total assets | 60.7356% | 4,540 |
| Net loans and leases to deposits | 72.5060% | 4,429 |
| Net loans and leases to core deposits | 75.0380% | 4,847 |
| Total domestic deposits to total assets | 83.7664% | 4,470 |
| Equity capital to assets | 7.8398% | 6,651 |
| Core capital (leverage) ratio | 7.2415% | 6,886 |
| Tier 1 risk-based capital ratio | 11.5703% | 5,848 |
| Total risk-based capital ratio | 12.8332% | 5,849 |
| Memoranda: | ||
| Average total assets | $143,382,600 | 3,997 |
| Average earning assets | $133,524,600 | 3,943 |
| Average equity | $11,843,400 | 4,655 |
| Average total loans | $97,915,400 | 3,855 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0485% | 4,595 |
| Cost of funding earning assets | 1.6886% | 1,930 |
| Net interest margin | 3.3600% | 5,804 |
| Noninterest income to average assets | 0.3209% | 5,587 |
| Noninterest expense to average assets | 3.1685% | 3,038 |
| Loan and lease loss provision to assets | 0.1807% | 5,239 |
| Net operating income to assets | 0.1214% | 5,716 |
| Return on assets (ROA) | 0.1402% | 5,824 |
| Pretax return on assets | 0.1214% | 5,881 |
| Return on Equity (ROE) | 1.6749% | 5,714 |
| Retained earnings to average equity (ytd only) | 1.6749% | 5,121 |
| Net charge-offs to loans | 1.2046% | 1,692 |
| Credit loss provision to net charge-offs | 21.4525% | 6,233 |
| Earnings coverage of net charge-offs (x) | 0.3363% | 5,691 |
| Efficiency ratio | 91.7394% | 1,147 |
| Assets per employee ($millions) | 3.2954% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2980% | 641 |
| Loan loss allowance to noncurrent loans | 47.7348% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 5.1324% | 1,250 |
| Noncurrent loans to loans | 6.9091% | 825 |
| Net loans and leases to total assets | 62.5006% | 4,429 |
| Net loans and leases to deposits | 74.8689% | 4,366 |
| Net loans and leases to core deposits | 77.7609% | 4,831 |
| Total domestic deposits to total assets | 83.4800% | 4,386 |
| Equity capital to assets | 8.0955% | 6,715 |
| Core capital (leverage) ratio | 7.8584% | 6,511 |
| Tier 1 risk-based capital ratio | 11.9379% | 5,520 |
| Total risk-based capital ratio | 13.2148% | 5,463 |
| Memoranda: | ||
| Average total assets | $141,682,750 | 4,085 |
| Average earning assets | $132,022,500 | 4,030 |
| Average equity | $11,860,750 | 4,717 |
| Average total loans | $99,063,000 | 3,884 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 4,486 |
| Cost of funding earning assets | 1.7318% | 1,957 |
| Net interest margin | 3.3635% | 5,783 |
| Noninterest income to average assets | 0.3226% | 5,574 |
| Noninterest expense to average assets | 3.2234% | 2,821 |
| Loan and lease loss provision to assets | 0.2151% | 4,741 |
| Net operating income to assets | 0.0645% | 5,960 |
| Return on assets (ROA) | 0.0932% | 5,997 |
| Pretax return on assets | 0.0488% | 6,076 |
| Return on Equity (ROE) | 1.1005% | 5,921 |
| Retained earnings to average equity (ytd only) | 1.1005% | 5,322 |
| Net charge-offs to loans | 1.4840% | 1,288 |
| Credit loss provision to net charge-offs | 20.1884% | 5,848 |
| Earnings coverage of net charge-offs (x) | 0.2207% | 5,506 |
| Efficiency ratio | 93.1592% | 1,112 |
| Assets per employee ($millions) | 2.9795% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3173% | 634 |
| Loan loss allowance to noncurrent loans | 51.1094% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 4.9373% | 1,312 |
| Noncurrent loans to loans | 6.4905% | 922 |
| Net loans and leases to total assets | 68.0787% | 3,339 |
| Net loans and leases to deposits | 82.4746% | 3,186 |
| Net loans and leases to core deposits | 85.7120% | 3,874 |
| Total domestic deposits to total assets | 82.5451% | 4,765 |
| Equity capital to assets | 8.4715% | 6,196 |
| Core capital (leverage) ratio | 7.9768% | 6,297 |
| Tier 1 risk-based capital ratio | 11.9143% | 5,389 |
| Total risk-based capital ratio | 13.1940% | 5,329 |
| Memoranda: | ||
| Average total assets | $139,479,330 | 4,147 |
| Average earning assets | $130,041,670 | 4,086 |
| Average equity | $11,812,670 | 4,730 |
| Average total loans | $100,135,670 | 3,893 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1464% | 4,315 |
| Cost of funding earning assets | 1.7822% | 1,959 |
| Net interest margin | 3.3643% | 5,737 |
| Noninterest income to average assets | 0.3764% | 5,128 |
| Noninterest expense to average assets | 3.1781% | 2,944 |
| Loan and lease loss provision to assets | 0.4310% | 2,800 |
| Net operating income to assets | 0.0006% | 6,280 |
| Return on assets (ROA) | 0.0374% | 6,311 |
| Pretax return on assets | -0.0345% | 6,398 |
| Return on Equity (ROE) | 0.4411% | 6,291 |
| Retained earnings to average equity (ytd only) | 0.4411% | 5,658 |
| Net charge-offs to loans | 1.0307% | 1,598 |
| Credit loss provision to net charge-offs | 57.6923% | 4,345 |
| Earnings coverage of net charge-offs (x) | 0.4538% | 4,618 |
| Efficiency ratio | 90.2778% | 1,410 |
| Assets per employee ($millions) | 2.8654% | 6,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7861% | 440 |
| Loan loss allowance to noncurrent loans | 49.8208% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 5.6776% | 1,075 |
| Noncurrent loans to loans | 7.5994% | 739 |
| Net loans and leases to total assets | 69.3602% | 3,077 |
| Net loans and leases to deposits | 84.2426% | 2,902 |
| Net loans and leases to core deposits | 88.0624% | 3,618 |
| Total domestic deposits to total assets | 82.3339% | 4,918 |
| Equity capital to assets | 8.5648% | 5,919 |
| Core capital (leverage) ratio | 7.8506% | 6,434 |
| Tier 1 risk-based capital ratio | 11.8074% | 5,388 |
| Total risk-based capital ratio | 13.0914% | 5,301 |
| Memoranda: | ||
| Average total assets | $139,201,500 | 4,209 |
| Average earning assets | $129,954,500 | 4,151 |
| Average equity | $11,787,500 | 4,769 |
| Average total loans | $100,901,000 | 3,929 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5711% | 3,752 |
| Cost of funding earning assets | 2.1423% | 2,265 |
| Net interest margin | 3.4288% | 5,256 |
| Noninterest income to average assets | 0.3227% | 5,777 |
| Noninterest expense to average assets | 3.1177% | 3,664 |
| Loan and lease loss provision to assets | 1.9988% | 1,086 |
| Net operating income to assets | -0.9744% | 6,560 |
| Return on assets (ROA) | -0.8427% | 6,465 |
| Pretax return on assets | -1.3727% | 6,634 |
| Return on Equity (ROE) | -9.1325% | 6,550 |
| Retained earnings to average equity (ytd only) | -12.2414% | 6,701 |
| Net charge-offs to loans | 0.4163% | 4,145 |
| Credit loss provision to net charge-offs | 663.5714% | 438 |
| Earnings coverage of net charge-offs (x) | 1.3952% | 4,741 |
| Efficiency ratio | 88.1005% | 1,871 |
| Assets per employee ($millions) | 2.9346% | 6,374 |
| Cash dividends to net income (ytd only)* | -34.0426% | 7,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7642% | 422 |
| Loan loss allowance to noncurrent loans | 54.8630% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 5.1603% | 1,165 |
| Noncurrent loans to loans | 6.8612% | 833 |
| Net loans and leases to total assets | 70.1291% | 3,227 |
| Net loans and leases to deposits | 84.8138% | 3,117 |
| Net loans and leases to core deposits | 105.6185% | 3,380 |
| Total domestic deposits to total assets | 82.6860% | 4,664 |
| Equity capital to assets | 8.3734% | 6,092 |
| Core capital (leverage) ratio | 7.6509% | 6,614 |
| Tier 1 risk-based capital ratio | 11.6308% | 5,261 |
| Total risk-based capital ratio | 12.9078% | 5,195 |
| Memoranda: | ||
| Average total assets | $139,431,600 | 4,137 |
| Average earning assets | $130,745,400 | 4,070 |
| Average equity | $12,866,200 | 4,541 |
| Average total loans | $100,881,400 | 3,919 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5560% | 4,116 |
| Cost of funding earning assets | 2.2134% | 2,347 |
| Net interest margin | 3.3426% | 5,475 |
| Noninterest income to average assets | 0.3327% | 5,827 |
| Noninterest expense to average assets | 3.0966% | 3,659 |
| Loan and lease loss provision to assets | 0.4937% | 3,433 |
| Net operating income to assets | -0.0978% | 5,887 |
| Return on assets (ROA) | 0.1294% | 5,445 |
| Pretax return on assets | 0.1055% | 5,514 |
| Return on Equity (ROE) | 1.3705% | 5,379 |
| Retained earnings to average equity (ytd only) | -2.6901% | 5,872 |
| Net charge-offs to loans | 0.4673% | 3,352 |
| Credit loss provision to net charge-offs | 146.3068% | 3,326 |
| Earnings coverage of net charge-offs (x) | 1.1023% | 4,961 |
| Efficiency ratio | 89.2482% | 1,759 |
| Assets per employee ($millions) | 2.7085% | 6,829 |
| Cash dividends to net income (ytd only)* | 296.2889% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 2,890 |
| Loan loss allowance to noncurrent loans | 20.0896% | 7,087 |
| Noncurrent assets plus other real estate owned to assets | 6.1584% | 855 |
| Noncurrent loans to loans | 8.0939% | 593 |
| Net loans and leases to total assets | 74.1584% | 2,480 |
| Net loans and leases to deposits | 91.4987% | 2,320 |
| Net loans and leases to core deposits | 115.3110% | 2,691 |
| Total domestic deposits to total assets | 81.0486% | 5,065 |
| Equity capital to assets | 9.7109% | 4,481 |
| Core capital (leverage) ratio | 9.3526% | 4,108 |
| Tier 1 risk-based capital ratio | 12.8696% | 4,283 |
| Total risk-based capital ratio | 14.1250% | 4,219 |
| Memoranda: | ||
| Average total assets | $139,073,750 | 4,158 |
| Average earning assets | $130,474,000 | 4,098 |
| Average equity | $13,134,000 | 4,503 |
| Average total loans | $100,439,250 | 3,969 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5914% | 4,116 |
| Cost of funding earning assets | 2.2849% | 2,417 |
| Net interest margin | 3.3065% | 5,532 |
| Noninterest income to average assets | 0.3521% | 5,687 |
| Noninterest expense to average assets | 2.9753% | 4,183 |
| Loan and lease loss provision to assets | 0.4491% | 3,290 |
| Net operating income to assets | 0.0399% | 5,731 |
| Return on assets (ROA) | 0.1397% | 5,544 |
| Pretax return on assets | 0.1283% | 5,606 |
| Return on Equity (ROE) | 1.4930% | 5,461 |
| Retained earnings to average equity (ytd only) | -4.6007% | 6,239 |
| Net charge-offs to loans | 0.6167% | 2,490 |
| Credit loss provision to net charge-offs | 102.2727% | 4,475 |
| Earnings coverage of net charge-offs (x) | 1.0877% | 4,696 |
| Efficiency ratio | 86.1272% | 2,217 |
| Assets per employee ($millions) | 2.9824% | 6,182 |
| Cash dividends to net income (ytd only)* | 408.1633% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 3,172 |
| Loan loss allowance to noncurrent loans | 21.2790% | 7,059 |
| Noncurrent assets plus other real estate owned to assets | 5.2591% | 971 |
| Noncurrent loans to loans | 7.0668% | 682 |
| Net loans and leases to total assets | 71.8072% | 3,276 |
| Net loans and leases to deposits | 88.9404% | 3,001 |
| Net loans and leases to core deposits | 111.9797% | 3,134 |
| Total domestic deposits to total assets | 80.7363% | 5,178 |
| Equity capital to assets | 9.4161% | 4,723 |
| Core capital (leverage) ratio | 9.0761% | 4,501 |
| Tier 1 risk-based capital ratio | 13.1219% | 4,052 |
| Total risk-based capital ratio | 14.3760% | 3,972 |
| Memoranda: | ||
| Average total assets | $140,290,000 | 4,167 |
| Average earning assets | $131,558,670 | 4,110 |
| Average equity | $13,128,330 | 4,514 |
| Average total loans | $99,889,330 | 4,020 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5699% | 4,526 |
| Cost of funding earning assets | 2.3256% | 2,596 |
| Net interest margin | 3.2444% | 5,712 |
| Noninterest income to average assets | 0.3920% | 5,280 |
| Noninterest expense to average assets | 2.9667% | 3,907 |
| Loan and lease loss provision to assets | 0.3525% | 3,201 |
| Net operating income to assets | 0.1213% | 5,916 |
| Return on assets (ROA) | 0.1213% | 6,083 |
| Pretax return on assets | 0.1100% | 6,142 |
| Return on Equity (ROE) | 1.2997% | 6,038 |
| Retained earnings to average equity (ytd only) | -10.7908% | 7,184 |
| Net charge-offs to loans | 0.2925% | 2,940 |
| Credit loss provision to net charge-offs | 171.2329% | 2,501 |
| Earnings coverage of net charge-offs (x) | 2.2466% | 3,613 |
| Efficiency ratio | 86.4309% | 2,024 |
| Assets per employee ($millions) | 2.9949% | 6,167 |
| Cash dividends to net income (ytd only)* | 930.2326% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 2,634 |
| Loan loss allowance to noncurrent loans | 26.0467% | 6,834 |
| Noncurrent assets plus other real estate owned to assets | 4.3890% | 1,111 |
| Noncurrent loans to loans | 6.0404% | 791 |
| Net loans and leases to total assets | 68.8436% | 3,947 |
| Net loans and leases to deposits | 81.4225% | 4,383 |
| Net loans and leases to core deposits | 103.1135% | 4,230 |
| Total domestic deposits to total assets | 84.5511% | 3,435 |
| Equity capital to assets | 9.2860% | 4,957 |
| Core capital (leverage) ratio | 9.1282% | 4,505 |
| Tier 1 risk-based capital ratio | 13.0671% | 4,146 |
| Total risk-based capital ratio | 14.3216% | 4,054 |
| Memoranda: | ||
| Average total assets | $141,839,500 | 4,153 |
| Average earning assets | $132,784,000 | 4,093 |
| Average equity | $13,233,500 | 4,527 |
| Average total loans | $99,825,500 | 4,035 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6506% | 2,243 |
| Cost of funding earning assets | 2.7418% | 2,969 |
| Net interest margin | 3.9088% | 3,515 |
| Noninterest income to average assets | 0.4654% | 4,917 |
| Noninterest expense to average assets | 3.2234% | 3,244 |
| Loan and lease loss provision to assets | 0.7130% | 2,072 |
| Net operating income to assets | 0.1796% | 5,908 |
| Return on assets (ROA) | 0.1727% | 5,764 |
| Pretax return on assets | 0.1467% | 5,848 |
| Return on Equity (ROE) | 1.7100% | 5,706 |
| Retained earnings to average equity (ytd only) | 1.7100% | 4,194 |
| Net charge-offs to loans | 0.8788% | 1,413 |
| Credit loss provision to net charge-offs | 102.9801% | 5,183 |
| Earnings coverage of net charge-offs (x) | 1.2517% | 5,505 |
| Efficiency ratio | 78.7182% | 2,800 |
| Assets per employee ($millions) | 3.0408% | 5,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 2,794 |
| Loan loss allowance to noncurrent loans | 30.7266% | 6,672 |
| Noncurrent assets plus other real estate owned to assets | 3.5790% | 1,233 |
| Noncurrent loans to loans | 4.8144% | 941 |
| Net loans and leases to total assets | 69.7603% | 4,072 |
| Net loans and leases to deposits | 82.5010% | 4,649 |
| Net loans and leases to core deposits | 97.3357% | 5,115 |
| Total domestic deposits to total assets | 84.5569% | 3,042 |
| Equity capital to assets | 9.3732% | 4,856 |
| Core capital (leverage) ratio | 9.6891% | 3,780 |
| Tier 1 risk-based capital ratio | 13.3634% | 3,890 |
| Total risk-based capital ratio | 14.6162% | 3,797 |
| Memoranda: | ||
| Average total assets | $130,855,800 | 4,259 |
| Average earning assets | $121,342,400 | 4,227 |
| Average equity | $13,216,000 | 4,518 |
| Average total loans | $103,089,800 | 3,873 |