Home > The Valley State Bank > Performance and Condition Ratios
The Valley State Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1619% | 288 |
| Cost of funding earning assets | 3.2437% | 274 |
| Net interest margin | 3.9182% | 1,199 |
| Noninterest income to average assets | 0.4100% | 2,241 |
| Noninterest expense to average assets | 2.3300% | 2,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.8168% | 561 |
| Return on assets (ROA) | 1.8881% | 518 |
| Pretax return on assets | 1.8305% | 802 |
| Return on Equity (ROE) | 24.5100% | 247 |
| Retained earnings to average equity (ytd only) | 24.5080% | 103 |
| Net charge-offs to loans | -0.0326% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 56.9799% | 3,521 |
| Assets per employee ($millions) | 5.9740% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 3,694 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 69.7700% | 1,833 |
| Net loans and leases to deposits | 80.7717% | 2,002 |
| Net loans and leases to core deposits | 91.5973% | 1,940 |
| Total domestic deposits to total assets | 86.3800% | 1,974 |
| Equity capital to assets | 7.7369% | 3,537 |
| Core capital (leverage) ratio | 8.3293% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9159% | 2,817 |
| Memoranda: | ||
| Average total assets | $291,505,500 | 2,504 |
| Average earning assets | $273,392,500 | 2,491 |
| Average equity | $22,458,000 | 2,764 |
| Average total loans | $208,546,000 | 2,293 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4002% | 389 |
| Cost of funding earning assets | 2.2988% | 546 |
| Net interest margin | 4.1013% | 1,073 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.8510% | 1,391 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.4429% | 1,129 |
| Return on assets (ROA) | 1.4132% | 1,168 |
| Pretax return on assets | 1.4683% | 1,492 |
| Return on Equity (ROE) | 17.4400% | 899 |
| Retained earnings to average equity (ytd only) | 12.4490% | 581 |
| Net charge-offs to loans | -0.0005% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.3495% | 2,435 |
| Assets per employee ($millions) | 5.8023% | 2,979 |
| Cash dividends to net income (ytd only)* | 28.6324% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 3,676 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 2,353 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 72.0700% | 1,573 |
| Net loans and leases to deposits | 84.0467% | 1,775 |
| Net loans and leases to core deposits | 93.3419% | 1,820 |
| Total domestic deposits to total assets | 85.7500% | 2,088 |
| Equity capital to assets | 7.6697% | 3,616 |
| Core capital (leverage) ratio | 8.3822% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0566% | 2,889 |
| Memoranda: | ||
| Average total assets | $248,864,400 | 2,687 |
| Average earning assets | $232,728,600 | 2,666 |
| Average equity | $20,162,200 | 2,839 |
| Average total loans | $183,817,800 | 2,410 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1825% | 429 |
| Cost of funding earning assets | 2.0567% | 639 |
| Net interest margin | 4.1258% | 1,022 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.8721% | 1,279 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.4538% | 1,214 |
| Return on assets (ROA) | 1.3616% | 1,378 |
| Pretax return on assets | 1.4083% | 1,759 |
| Return on Equity (ROE) | 16.5500% | 1,161 |
| Retained earnings to average equity (ytd only) | 9.7477% | 1,474 |
| Net charge-offs to loans | -0.0052% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.3851% | 2,347 |
| Assets per employee ($millions) | 5.2871% | 3,360 |
| Cash dividends to net income (ytd only)* | 41.0853% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 3,457 |
| Loan loss allowance to noncurrent loans | 1,889.0000% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 3,420 |
| Noncurrent loans to loans | 0.0520% | 3,384 |
| Net loans and leases to total assets | 72.0500% | 1,568 |
| Net loans and leases to deposits | 87.2799% | 1,451 |
| Net loans and leases to core deposits | 97.6985% | 1,463 |
| Total domestic deposits to total assets | 82.5500% | 3,106 |
| Equity capital to assets | 7.6295% | 3,276 |
| Core capital (leverage) ratio | 8.7852% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2464% | 2,898 |
| Memoranda: | ||
| Average total assets | $240,002,250 | 2,742 |
| Average earning assets | $224,242,000 | 2,726 |
| Average equity | $19,751,250 | 2,870 |
| Average total loans | $178,075,250 | 2,467 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0072% | 437 |
| Cost of funding earning assets | 1.7763% | 772 |
| Net interest margin | 4.2308% | 889 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.9592% | 1,108 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.4892% | 1,123 |
| Return on assets (ROA) | 1.4516% | 1,193 |
| Pretax return on assets | 1.4939% | 1,613 |
| Return on Equity (ROE) | 17.1600% | 1,074 |
| Retained earnings to average equity (ytd only) | 6.9039% | 2,315 |
| Net charge-offs to loans | -0.0081% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.5021% | 2,311 |
| Assets per employee ($millions) | 4.9018% | 3,674 |
| Cash dividends to net income (ytd only)* | 59.7742% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,268 |
| Loan loss allowance to noncurrent loans | 492.9504% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 2,456 |
| Noncurrent loans to loans | 0.2100% | 2,424 |
| Net loans and leases to total assets | 73.6400% | 1,336 |
| Net loans and leases to deposits | 89.5150% | 1,223 |
| Net loans and leases to core deposits | 101.8652% | 1,139 |
| Total domestic deposits to total assets | 82.2700% | 3,174 |
| Equity capital to assets | 8.0741% | 3,164 |
| Core capital (leverage) ratio | 8.9802% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3947% | 2,914 |
| Memoranda: | ||
| Average total assets | $231,884,000 | 2,803 |
| Average earning assets | $216,175,667 | 2,784 |
| Average equity | $19,612,000 | 2,897 |
| Average total loans | $173,314,000 | 2,499 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8073% | 413 |
| Cost of funding earning assets | 1.4671% | 905 |
| Net interest margin | 4.3403% | 755 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.8622% | 1,312 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.6305% | 932 |
| Return on assets (ROA) | 1.8324% | 625 |
| Pretax return on assets | 1.8768% | 943 |
| Return on Equity (ROE) | 21.1400% | 651 |
| Retained earnings to average equity (ytd only) | 14.2393% | 911 |
| Net charge-offs to loans | -0.0355% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.4081% | 2,644 |
| Assets per employee ($millions) | 5.2501% | 3,459 |
| Cash dividends to net income (ytd only)* | 32.6550% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,003 |
| Loan loss allowance to noncurrent loans | 3,950.0000% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 3,600 |
| Noncurrent loans to loans | 0.0281% | 3,564 |
| Net loans and leases to total assets | 73.1400% | 1,305 |
| Net loans and leases to deposits | 89.9104% | 1,052 |
| Net loans and leases to core deposits | 100.4513% | 1,070 |
| Total domestic deposits to total assets | 81.3500% | 3,579 |
| Equity capital to assets | 8.6444% | 2,792 |
| Core capital (leverage) ratio | 9.4691% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1276% | 2,926 |
| Memoranda: | ||
| Average total assets | $225,280,000 | 2,875 |
| Average earning assets | $209,941,000 | 2,860 |
| Average equity | $19,523,500 | 2,929 |
| Average total loans | $168,778,000 | 2,556 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0440% | 281 |
| Cost of funding earning assets | 0.7098% | 563 |
| Net interest margin | 4.3343% | 392 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.7847% | 1,346 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.8741% | 371 |
| Return on assets (ROA) | 1.4582% | 944 |
| Pretax return on assets | 1.5307% | 1,360 |
| Return on Equity (ROE) | 16.2100% | 1,012 |
| Retained earnings to average equity (ytd only) | 9.6026% | 1,280 |
| Net charge-offs to loans | 0.0432% | 1,256 |
| Credit loss provision to net charge-offs | 49.2308% | 1,822 |
| Earnings coverage of net charge-offs (x) | 62.7538% | 1,223 |
| Efficiency ratio | 58.3945% | 3,280 |
| Assets per employee ($millions) | 4.9899% | 3,690 |
| Cash dividends to net income (ytd only)* | 40.7605% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 2,848 |
| Loan loss allowance to noncurrent loans | 1,391.7293% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,199 |
| Noncurrent loans to loans | 0.0798% | 3,188 |
| Net loans and leases to total assets | 75.0800% | 1,124 |
| Net loans and leases to deposits | 92.6968% | 874 |
| Net loans and leases to core deposits | 105.4021% | 770 |
| Total domestic deposits to total assets | 81.0000% | 3,754 |
| Equity capital to assets | 8.6894% | 2,571 |
| Core capital (leverage) ratio | 9.6245% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9598% | 2,975 |
| Memoranda: | ||
| Average total assets | $205,589,000 | 3,006 |
| Average earning assets | $191,474,600 | 2,997 |
| Average equity | $18,495,000 | 3,076 |
| Average total loans | $150,379,000 | 2,633 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 244 |
| Cost of funding earning assets | 0.6052% | 422 |
| Net interest margin | 4.2834% | 349 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.7597% | 1,327 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.8916% | 351 |
| Return on assets (ROA) | 1.3049% | 1,302 |
| Pretax return on assets | 1.3736% | 1,798 |
| Return on Equity (ROE) | 14.3700% | 1,333 |
| Retained earnings to average equity (ytd only) | 5.4933% | 2,922 |
| Net charge-offs to loans | 0.0328% | 1,193 |
| Credit loss provision to net charge-offs | 83.3333% | 1,409 |
| Earnings coverage of net charge-offs (x) | 84.6667% | 1,016 |
| Efficiency ratio | 57.8482% | 3,399 |
| Assets per employee ($millions) | 4.6851% | 3,922 |
| Cash dividends to net income (ytd only)* | 61.7796% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 2,570 |
| Loan loss allowance to noncurrent loans | 1,260.4027% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,173 |
| Noncurrent loans to loans | 0.0946% | 3,203 |
| Net loans and leases to total assets | 75.4900% | 964 |
| Net loans and leases to deposits | 92.6829% | 723 |
| Net loans and leases to core deposits | 106.3600% | 578 |
| Total domestic deposits to total assets | 81.4400% | 3,911 |
| Equity capital to assets | 8.7293% | 2,391 |
| Core capital (leverage) ratio | 9.4485% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9853% | 3,041 |
| Memoranda: | ||
| Average total assets | $202,097,500 | 3,053 |
| Average earning assets | $188,134,250 | 3,030 |
| Average equity | $18,349,250 | 3,129 |
| Average total loans | $146,298,000 | 2,669 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 272 |
| Cost of funding earning assets | 0.5347% | 430 |
| Net interest margin | 4.1237% | 380 |
| Noninterest income to average assets | 0.8000% | 1,042 |
| Noninterest expense to average assets | 2.7178% | 1,346 |
| Loan and lease loss provision to assets | 0.0299% | 2,051 |
| Net operating income to assets | 1.7689% | 365 |
| Return on assets (ROA) | 1.1537% | 1,572 |
| Pretax return on assets | 1.2404% | 1,933 |
| Return on Equity (ROE) | 12.5411% | 1,513 |
| Retained earnings to average equity (ytd only) | 3.8771% | 3,127 |
| Net charge-offs to loans | 0.0407% | 981 |
| Credit loss provision to net charge-offs | 103.4483% | 1,256 |
| Earnings coverage of net charge-offs (x) | 66.8621% | 1,030 |
| Efficiency ratio | 58.4530% | 3,493 |
| Assets per employee ($millions) | 4.7002% | 3,932 |
| Cash dividends to net income (ytd only)* | 69.0846% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,543 |
| Loan loss allowance to noncurrent loans | 1,265.1007% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,254 |
| Noncurrent loans to loans | 0.0971% | 3,277 |
| Net loans and leases to total assets | 73.2768% | 977 |
| Net loans and leases to deposits | 89.6874% | 740 |
| Net loans and leases to core deposits | 101.8414% | 600 |
| Total domestic deposits to total assets | 81.7024% | 4,048 |
| Equity capital to assets | 8.7627% | 2,562 |
| Core capital (leverage) ratio | 9.4485% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3136% | 2,967 |
| Memoranda: | ||
| Average total assets | $200,748,333 | 3,090 |
| Average earning assets | $187,403,333 | 3,080 |
| Average equity | $18,467,333 | 3,190 |
| Average total loans | $142,568,333 | 2,728 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4405% | 359 |
| Cost of funding earning assets | 0.5302% | 422 |
| Net interest margin | 3.9103% | 489 |
| Noninterest income to average assets | 0.7121% | 1,275 |
| Noninterest expense to average assets | 2.7838% | 1,194 |
| Loan and lease loss provision to assets | 0.0607% | 1,318 |
| Net operating income to assets | 1.3723% | 850 |
| Return on assets (ROA) | 0.6494% | 3,213 |
| Pretax return on assets | 0.7202% | 3,332 |
| Return on Equity (ROE) | 6.8884% | 3,071 |
| Retained earnings to average equity (ytd only) | -0.9227% | 4,132 |
| Net charge-offs to loans | 0.0846% | 579 |
| Credit loss provision to net charge-offs | 103.4483% | 991 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,179 |
| Efficiency ratio | 63.7332% | 3,063 |
| Assets per employee ($millions) | 4.8891% | 3,848 |
| Cash dividends to net income (ytd only)* | 113.3956% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 2,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 68.1343% | 1,199 |
| Net loans and leases to deposits | 80.9577% | 1,080 |
| Net loans and leases to core deposits | 91.2650% | 854 |
| Total domestic deposits to total assets | 84.1605% | 3,736 |
| Equity capital to assets | 9.1378% | 2,594 |
| Core capital (leverage) ratio | 9.2331% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1301% | 2,861 |
| Memoranda: | ||
| Average total assets | $197,718,000 | 3,122 |
| Average earning assets | $184,846,000 | 3,111 |
| Average equity | $18,640,000 | 3,268 |
| Average total loans | $137,138,500 | 2,775 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 439 |
| Cost of funding earning assets | 0.6718% | 366 |
| Net interest margin | 4.0016% | 713 |
| Noninterest income to average assets | 0.8935% | 1,219 |
| Noninterest expense to average assets | 2.8216% | 1,309 |
| Loan and lease loss provision to assets | 0.0806% | 1,519 |
| Net operating income to assets | 1.6480% | 708 |
| Return on assets (ROA) | 1.6327% | 774 |
| Pretax return on assets | 1.7059% | 1,130 |
| Return on Equity (ROE) | 17.2117% | 556 |
| Retained earnings to average equity (ytd only) | 10.4254% | 814 |
| Net charge-offs to loans | -0.0178% | 3,937 |
| Credit loss provision to net charge-offs | -660.8696% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0206% | 2,993 |
| Assets per employee ($millions) | 4.7557% | 3,924 |
| Cash dividends to net income (ytd only)* | 39.4284% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 1,963 |
| Loan loss allowance to noncurrent loans | 13,457.1429% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 4,093 |
| Noncurrent loans to loans | 0.0103% | 4,021 |
| Net loans and leases to total assets | 68.6884% | 1,189 |
| Net loans and leases to deposits | 82.6167% | 1,009 |
| Net loans and leases to core deposits | 93.8279% | 790 |
| Total domestic deposits to total assets | 83.1410% | 3,773 |
| Equity capital to assets | 9.7255% | 2,917 |
| Core capital (leverage) ratio | 9.6793% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7023% | 2,726 |
| Memoranda: | ||
| Average total assets | $188,579,600 | 3,139 |
| Average earning assets | $175,804,800 | 3,126 |
| Average equity | $17,889,000 | 3,396 |
| Average total loans | $129,498,200 | 2,861 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6766% | 502 |
| Cost of funding earning assets | 0.7089% | 364 |
| Net interest margin | 3.9677% | 838 |
| Noninterest income to average assets | 0.9013% | 1,254 |
| Noninterest expense to average assets | 2.8081% | 1,324 |
| Loan and lease loss provision to assets | 0.0754% | 1,541 |
| Net operating income to assets | 1.6383% | 939 |
| Return on assets (ROA) | 1.6465% | 968 |
| Pretax return on assets | 1.7178% | 1,369 |
| Return on Equity (ROE) | 17.4716% | 695 |
| Retained earnings to average equity (ytd only) | 8.2856% | 1,957 |
| Net charge-offs to loans | -0.0208% | 3,981 |
| Credit loss provision to net charge-offs | -530.0000% | 3,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1396% | 2,812 |
| Assets per employee ($millions) | 4.4035% | 4,189 |
| Cash dividends to net income (ytd only)* | 52.5769% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 2,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 70.2371% | 1,061 |
| Net loans and leases to deposits | 85.3208% | 868 |
| Net loans and leases to core deposits | 97.7596% | 667 |
| Total domestic deposits to total assets | 82.3212% | 3,857 |
| Equity capital to assets | 9.8521% | 3,051 |
| Core capital (leverage) ratio | 9.6453% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6177% | 2,824 |
| Memoranda: | ||
| Average total assets | $186,979,000 | 3,187 |
| Average earning assets | $173,968,500 | 3,177 |
| Average equity | $17,620,500 | 3,460 |
| Average total loans | $127,919,250 | 2,910 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 988 |
| Cost of funding earning assets | 0.7346% | 388 |
| Net interest margin | 3.5761% | 1,647 |
| Noninterest income to average assets | 0.8707% | 1,353 |
| Noninterest expense to average assets | 2.7433% | 1,476 |
| Loan and lease loss provision to assets | 0.0810% | 1,502 |
| Net operating income to assets | 1.3409% | 1,739 |
| Return on assets (ROA) | 1.3450% | 1,804 |
| Pretax return on assets | 1.3972% | 2,349 |
| Return on Equity (ROE) | 14.4888% | 1,289 |
| Retained earnings to average equity (ytd only) | 5.6486% | 2,940 |
| Net charge-offs to loans | -0.0316% | 4,177 |
| Credit loss provision to net charge-offs | -380.0000% | 3,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0493% | 2,295 |
| Assets per employee ($millions) | 4.6085% | 4,007 |
| Cash dividends to net income (ytd only)* | 61.0143% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 2,151 |
| Loan loss allowance to noncurrent loans | 125.0000% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 1,041 |
| Noncurrent loans to loans | 1.0885% | 1,111 |
| Net loans and leases to total assets | 70.9855% | 1,085 |
| Net loans and leases to deposits | 85.1288% | 974 |
| Net loans and leases to core deposits | 97.1347% | 754 |
| Total domestic deposits to total assets | 83.3860% | 3,610 |
| Equity capital to assets | 9.5634% | 3,276 |
| Core capital (leverage) ratio | 9.1714% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5452% | 2,845 |
| Memoranda: | ||
| Average total assets | $187,657,000 | 3,189 |
| Average earning assets | $175,611,000 | 3,170 |
| Average equity | $17,420,333 | 3,477 |
| Average total loans | $126,647,333 | 2,938 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2899% | 1,059 |
| Cost of funding earning assets | 0.7744% | 404 |
| Net interest margin | 3.5155% | 1,785 |
| Noninterest income to average assets | 0.8029% | 1,580 |
| Noninterest expense to average assets | 2.8101% | 1,348 |
| Loan and lease loss provision to assets | 0.0972% | 1,385 |
| Net operating income to assets | 1.1513% | 2,331 |
| Return on assets (ROA) | 1.0776% | 2,630 |
| Pretax return on assets | 1.1093% | 3,089 |
| Return on Equity (ROE) | 11.7810% | 2,097 |
| Retained earnings to average equity (ytd only) | 4.5045% | 3,364 |
| Net charge-offs to loans | -0.0453% | 4,353 |
| Credit loss provision to net charge-offs | -328.5714% | 3,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6629% | 1,855 |
| Assets per employee ($millions) | 5.0095% | 3,647 |
| Cash dividends to net income (ytd only)* | 61.7647% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 1,837 |
| Loan loss allowance to noncurrent loans | 67.6606% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.3742% | 494 |
| Noncurrent loans to loans | 2.1155% | 486 |
| Net loans and leases to total assets | 64.0303% | 2,036 |
| Net loans and leases to deposits | 76.1267% | 1,894 |
| Net loans and leases to core deposits | 86.8451% | 1,466 |
| Total domestic deposits to total assets | 84.1101% | 3,397 |
| Equity capital to assets | 9.1096% | 3,580 |
| Core capital (leverage) ratio | 8.8971% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8522% | 2,723 |
| Memoranda: | ||
| Average total assets | $189,316,000 | 3,171 |
| Average earning assets | $177,158,500 | 3,148 |
| Average equity | $17,316,000 | 3,485 |
| Average total loans | $123,641,500 | 2,978 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 844 |
| Cost of funding earning assets | 1.0782% | 436 |
| Net interest margin | 3.6483% | 1,985 |
| Noninterest income to average assets | 1.1259% | 844 |
| Noninterest expense to average assets | 2.8317% | 1,862 |
| Loan and lease loss provision to assets | 0.1613% | 2,356 |
| Net operating income to assets | 1.4912% | 830 |
| Return on assets (ROA) | 1.6253% | 657 |
| Pretax return on assets | 1.6949% | 860 |
| Return on Equity (ROE) | 17.6828% | 353 |
| Retained earnings to average equity (ytd only) | 11.7782% | 345 |
| Net charge-offs to loans | 0.0586% | 1,938 |
| Credit loss provision to net charge-offs | 404.2857% | 1,422 |
| Earnings coverage of net charge-offs (x) | 43.0143% | 1,324 |
| Efficiency ratio | 62.2587% | 3,082 |
| Assets per employee ($millions) | 4.9545% | 3,437 |
| Cash dividends to net income (ytd only)* | 33.3918% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 2,040 |
| Loan loss allowance to noncurrent loans | 94.3678% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 1,003 |
| Noncurrent loans to loans | 1.4649% | 915 |
| Net loans and leases to total assets | 64.7552% | 2,268 |
| Net loans and leases to deposits | 77.5685% | 2,118 |
| Net loans and leases to core deposits | 87.7005% | 1,721 |
| Total domestic deposits to total assets | 83.4813% | 3,269 |
| Equity capital to assets | 9.1841% | 3,904 |
| Core capital (leverage) ratio | 9.0298% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,410,000 | 3,148 |
| Average earning assets | $164,541,000 | 3,126 |
| Average equity | $16,123,000 | 3,539 |
| Average total loans | $119,549,800 | 2,985 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8236% | 849 |
| Cost of funding earning assets | 1.1367% | 462 |
| Net interest margin | 3.6869% | 1,988 |
| Noninterest income to average assets | 1.0887% | 872 |
| Noninterest expense to average assets | 2.8037% | 1,954 |
| Loan and lease loss provision to assets | 0.1278% | 2,753 |
| Net operating income to assets | 1.5552% | 799 |
| Return on assets (ROA) | 1.6949% | 642 |
| Pretax return on assets | 1.7662% | 836 |
| Return on Equity (ROE) | 18.4359% | 327 |
| Retained earnings to average equity (ytd only) | 10.4181% | 686 |
| Net charge-offs to loans | 0.0022% | 3,104 |
| Credit loss provision to net charge-offs | 8,250.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 1,129.0000% | 104 |
| Efficiency ratio | 61.5921% | 3,138 |
| Assets per employee ($millions) | 5.0410% | 3,197 |
| Cash dividends to net income (ytd only)* | 43.4902% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 1,945 |
| Loan loss allowance to noncurrent loans | 120.0434% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 1,520 |
| Noncurrent loans to loans | 1.1266% | 1,344 |
| Net loans and leases to total assets | 66.6826% | 2,425 |
| Net loans and leases to deposits | 80.3913% | 2,277 |
| Net loans and leases to core deposits | 91.4417% | 1,846 |
| Total domestic deposits to total assets | 82.9476% | 3,154 |
| Equity capital to assets | 9.1637% | 3,985 |
| Core capital (leverage) ratio | 8.9376% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,194,500 | 3,158 |
| Average earning assets | $161,757,750 | 3,137 |
| Average equity | $15,831,000 | 3,573 |
| Average total loans | $118,531,000 | 3,010 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 922 |
| Cost of funding earning assets | 1.1967% | 510 |
| Net interest margin | 3.7374% | 2,035 |
| Noninterest income to average assets | 0.9190% | 1,126 |
| Noninterest expense to average assets | 2.7380% | 2,262 |
| Loan and lease loss provision to assets | 0.1289% | 2,732 |
| Net operating income to assets | 1.5048% | 918 |
| Return on assets (ROA) | 1.6546% | 732 |
| Pretax return on assets | 1.7209% | 958 |
| Return on Equity (ROE) | 17.9766% | 369 |
| Retained earnings to average equity (ytd only) | 9.7914% | 829 |
| Net charge-offs to loans | 0.0034% | 2,863 |
| Credit loss provision to net charge-offs | 5,450.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 716.0000% | 138 |
| Efficiency ratio | 61.7828% | 3,159 |
| Assets per employee ($millions) | 5.0121% | 3,159 |
| Cash dividends to net income (ytd only)* | 45.5325% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 1,786 |
| Loan loss allowance to noncurrent loans | 1,241.8605% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 4,169 |
| Noncurrent loans to loans | 0.1086% | 4,020 |
| Net loans and leases to total assets | 64.9687% | 2,759 |
| Net loans and leases to deposits | 77.9140% | 2,664 |
| Net loans and leases to core deposits | 88.9586% | 2,161 |
| Total domestic deposits to total assets | 83.3852% | 2,964 |
| Equity capital to assets | 8.9533% | 4,126 |
| Core capital (leverage) ratio | 8.7743% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8824% | 2,999 |
| Memoranda: | ||
| Average total assets | $169,100,667 | 3,168 |
| Average earning assets | $158,935,667 | 3,145 |
| Average equity | $15,564,667 | 3,598 |
| Average total loans | $117,150,667 | 3,014 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1315% | 753 |
| Cost of funding earning assets | 1.3005% | 561 |
| Net interest margin | 3.8310% | 1,869 |
| Noninterest income to average assets | 0.5923% | 2,070 |
| Noninterest expense to average assets | 2.7338% | 2,620 |
| Loan and lease loss provision to assets | 0.1346% | 2,045 |
| Net operating income to assets | 1.2606% | 1,350 |
| Return on assets (ROA) | 1.1454% | 1,807 |
| Pretax return on assets | 1.1944% | 2,220 |
| Return on Equity (ROE) | 12.2597% | 1,043 |
| Retained earnings to average equity (ytd only) | 6.4704% | 1,720 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3599% | 3,044 |
| Assets per employee ($millions) | 4.6245% | 3,090 |
| Cash dividends to net income (ytd only)* | 47.2222% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 1,790 |
| Loan loss allowance to noncurrent loans | 205.7029% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 2,658 |
| Noncurrent loans to loans | 0.6685% | 2,322 |
| Net loans and leases to total assets | 66.8158% | 2,721 |
| Net loans and leases to deposits | 81.8376% | 2,473 |
| Net loans and leases to core deposits | 94.6150% | 1,915 |
| Total domestic deposits to total assets | 81.6444% | 3,513 |
| Equity capital to assets | 9.2646% | 4,419 |
| Core capital (leverage) ratio | 9.2384% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6826% | 3,185 |
| Memoranda: | ||
| Average total assets | $163,433,000 | 3,186 |
| Average earning assets | $153,171,500 | 3,161 |
| Average equity | $15,269,500 | 3,632 |
| Average total loans | $116,311,500 | 2,994 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5636% | 503 |
| Cost of funding earning assets | 1.4228% | 517 |
| Net interest margin | 4.1409% | 1,448 |
| Noninterest income to average assets | 0.6164% | 2,159 |
| Noninterest expense to average assets | 2.8640% | 2,400 |
| Loan and lease loss provision to assets | 0.1432% | 1,489 |
| Net operating income to assets | 1.4098% | 1,312 |
| Return on assets (ROA) | 1.5112% | 1,087 |
| Pretax return on assets | 1.5752% | 1,564 |
| Return on Equity (ROE) | 16.2661% | 507 |
| Retained earnings to average equity (ytd only) | 10.7967% | 362 |
| Net charge-offs to loans | -0.0009% | 4,170 |
| Credit loss provision to net charge-offs | -21,700.0000% | 4,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9741% | 3,076 |
| Assets per employee ($millions) | 4.8601% | 2,761 |
| Cash dividends to net income (ytd only)* | 33.6245% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,181 |
| Loan loss allowance to noncurrent loans | 1,942.8571% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,393 |
| Noncurrent loans to loans | 0.0643% | 4,284 |
| Net loans and leases to total assets | 73.7853% | 1,789 |
| Net loans and leases to deposits | 90.8434% | 1,500 |
| Net loans and leases to core deposits | 104.6951% | 1,186 |
| Total domestic deposits to total assets | 81.2224% | 3,718 |
| Equity capital to assets | 9.4243% | 4,408 |
| Core capital (leverage) ratio | 9.5075% | 4,054 |
| Tier 1 risk-based capital ratio | 10.4363% | 5,037 |
| Total risk-based capital ratio | 11.4881% | 5,023 |
| Memoranda: | ||
| Average total assets | $151,537,000 | 3,276 |
| Average earning assets | $141,274,400 | 3,260 |
| Average equity | $14,078,400 | 3,741 |
| Average total loans | $113,866,600 | 3,024 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5883% | 505 |
| Cost of funding earning assets | 1.4333% | 509 |
| Net interest margin | 4.1550% | 1,487 |
| Noninterest income to average assets | 0.6206% | 2,103 |
| Noninterest expense to average assets | 2.9233% | 2,186 |
| Loan and lease loss provision to assets | 0.1455% | 1,315 |
| Net operating income to assets | 1.3618% | 1,608 |
| Return on assets (ROA) | 1.4715% | 1,329 |
| Pretax return on assets | 1.5331% | 1,860 |
| Return on Equity (ROE) | 15.9001% | 623 |
| Retained earnings to average equity (ytd only) | 8.4711% | 1,216 |
| Net charge-offs to loans | 0.0356% | 2,368 |
| Credit loss provision to net charge-offs | 543.3333% | 589 |
| Earnings coverage of net charge-offs (x) | 58.3985% | 1,068 |
| Efficiency ratio | 65.1413% | 2,830 |
| Assets per employee ($millions) | 4.6250% | 3,008 |
| Cash dividends to net income (ytd only)* | 46.7232% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,557 |
| Loan loss allowance to noncurrent loans | 2,275.8065% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 4,514 |
| Noncurrent loans to loans | 0.0523% | 4,411 |
| Net loans and leases to total assets | 76.7641% | 1,351 |
| Net loans and leases to deposits | 95.4959% | 1,073 |
| Net loans and leases to core deposits | 110.5740% | 923 |
| Total domestic deposits to total assets | 80.3847% | 3,896 |
| Equity capital to assets | 9.4899% | 4,465 |
| Core capital (leverage) ratio | 9.4058% | 4,272 |
| Tier 1 risk-based capital ratio | 10.5004% | 5,076 |
| Total risk-based capital ratio | 11.5437% | 5,053 |
| Memoranda: | ||
| Average total assets | $149,325,500 | 3,339 |
| Average earning assets | $138,978,500 | 3,327 |
| Average equity | $13,819,250 | 3,814 |
| Average total loans | $112,374,500 | 3,081 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5120% | 558 |
| Cost of funding earning assets | 1.4052% | 527 |
| Net interest margin | 4.1068% | 1,589 |
| Noninterest income to average assets | 0.5397% | 2,442 |
| Noninterest expense to average assets | 2.9469% | 2,151 |
| Loan and lease loss provision to assets | 0.1457% | 1,268 |
| Net operating income to assets | 1.2045% | 2,133 |
| Return on assets (ROA) | 1.3506% | 1,638 |
| Pretax return on assets | 1.4181% | 2,146 |
| Return on Equity (ROE) | 14.7231% | 816 |
| Retained earnings to average equity (ytd only) | 6.1775% | 2,204 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6370% | 2,596 |
| Assets per employee ($millions) | 4.5310% | 3,087 |
| Cash dividends to net income (ytd only)* | 58.0420% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,435 |
| Loan loss allowance to noncurrent loans | 2,665.3846% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 4,594 |
| Noncurrent loans to loans | 0.0457% | 4,483 |
| Net loans and leases to total assets | 75.2359% | 1,681 |
| Net loans and leases to deposits | 94.9702% | 1,153 |
| Net loans and leases to core deposits | 110.0583% | 973 |
| Total domestic deposits to total assets | 79.2206% | 4,179 |
| Equity capital to assets | 9.3297% | 4,549 |
| Core capital (leverage) ratio | 9.1982% | 4,459 |
| Tier 1 risk-based capital ratio | 10.4541% | 5,120 |
| Total risk-based capital ratio | 11.5076% | 5,107 |
| Memoranda: | ||
| Average total assets | $148,225,330 | 3,373 |
| Average earning assets | $137,773,000 | 3,361 |
| Average equity | $13,597,670 | 3,845 |
| Average total loans | $110,308,330 | 3,130 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4168% | 608 |
| Cost of funding earning assets | 1.3418% | 570 |
| Net interest margin | 4.0751% | 1,622 |
| Noninterest income to average assets | 0.4201% | 3,052 |
| Noninterest expense to average assets | 2.9381% | 2,167 |
| Loan and lease loss provision to assets | 0.1464% | 1,158 |
| Net operating income to assets | 1.0691% | 2,583 |
| Return on assets (ROA) | 1.2820% | 1,811 |
| Pretax return on assets | 1.3254% | 2,358 |
| Return on Equity (ROE) | 14.0968% | 946 |
| Retained earnings to average equity (ytd only) | 8.0468% | 1,639 |
| Net charge-offs to loans | -0.0037% | 3,954 |
| Credit loss provision to net charge-offs | -5,400.0000% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1164% | 2,321 |
| Assets per employee ($millions) | 4.5286% | 3,146 |
| Cash dividends to net income (ytd only)* | 42.9175% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,448 |
| Loan loss allowance to noncurrent loans | 894.6309% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 4,330 |
| Noncurrent loans to loans | 0.1370% | 4,122 |
| Net loans and leases to total assets | 69.7737% | 2,519 |
| Net loans and leases to deposits | 87.2374% | 1,966 |
| Net loans and leases to core deposits | 98.9646% | 1,711 |
| Total domestic deposits to total assets | 79.9814% | 4,179 |
| Equity capital to assets | 8.8782% | 4,766 |
| Core capital (leverage) ratio | 9.4208% | 4,235 |
| Tier 1 risk-based capital ratio | 10.7706% | 5,081 |
| Total risk-based capital ratio | 11.8268% | 5,055 |
| Memoranda: | ||
| Average total assets | $147,576,500 | 3,418 |
| Average earning assets | $136,538,000 | 3,421 |
| Average equity | $13,421,500 | 3,885 |
| Average total loans | $108,522,000 | 3,186 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5260% | 375 |
| Cost of funding earning assets | 1.1802% | 367 |
| Net interest margin | 4.3458% | 1,050 |
| Noninterest income to average assets | 0.5923% | 2,335 |
| Noninterest expense to average assets | 2.9591% | 2,167 |
| Loan and lease loss provision to assets | 0.1828% | 1,065 |
| Net operating income to assets | 1.4382% | 1,312 |
| Return on assets (ROA) | 1.7446% | 617 |
| Pretax return on assets | 1.8075% | 896 |
| Return on Equity (ROE) | 19.5532% | 276 |
| Retained earnings to average equity (ytd only) | 15.3738% | 101 |
| Net charge-offs to loans | 0.0360% | 2,683 |
| Credit loss provision to net charge-offs | 657.8947% | 529 |
| Earnings coverage of net charge-offs (x) | 60.2632% | 1,018 |
| Efficiency ratio | 63.8630% | 3,208 |
| Assets per employee ($millions) | 4.4119% | 3,293 |
| Cash dividends to net income (ytd only)* | 21.3747% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 2,671 |
| Loan loss allowance to noncurrent loans | 1,577.7778% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 4,558 |
| Noncurrent loans to loans | 0.0748% | 4,419 |
| Net loans and leases to total assets | 75.7899% | 1,650 |
| Net loans and leases to deposits | 97.2144% | 958 |
| Net loans and leases to core deposits | 108.5467% | 1,085 |
| Total domestic deposits to total assets | 77.9616% | 4,498 |
| Equity capital to assets | 9.3306% | 4,291 |
| Core capital (leverage) ratio | 9.6058% | 3,997 |
| Tier 1 risk-based capital ratio | 10.7309% | 5,102 |
| Total risk-based capital ratio | 11.7603% | 5,071 |
| Memoranda: | ||
| Average total assets | $136,762,400 | 3,555 |
| Average earning assets | $127,179,600 | 3,539 |
| Average equity | $12,202,600 | 3,997 |
| Average total loans | $105,616,400 | 3,207 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4910% | 368 |
| Cost of funding earning assets | 1.1445% | 333 |
| Net interest margin | 4.3465% | 1,017 |
| Noninterest income to average assets | 0.6192% | 2,216 |
| Noninterest expense to average assets | 2.9819% | 2,063 |
| Loan and lease loss provision to assets | 0.1956% | 899 |
| Net operating income to assets | 1.4359% | 1,372 |
| Return on assets (ROA) | 1.8477% | 549 |
| Pretax return on assets | 1.9087% | 806 |
| Return on Equity (ROE) | 20.9582% | 217 |
| Retained earnings to average equity (ytd only) | 15.2727% | 165 |
| Net charge-offs to loans | 0.0064% | 3,206 |
| Credit loss provision to net charge-offs | 3,980.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 341.6207% | 275 |
| Efficiency ratio | 63.9680% | 3,192 |
| Assets per employee ($millions) | 4.4324% | 3,225 |
| Cash dividends to net income (ytd only)* | 27.1276% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,870 |
| Loan loss allowance to noncurrent loans | 232.0442% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 2,585 |
| Noncurrent loans to loans | 0.4983% | 2,896 |
| Net loans and leases to total assets | 78.3827% | 1,280 |
| Net loans and leases to deposits | 105.5747% | 460 |
| Net loans and leases to core deposits | 114.5780% | 790 |
| Total domestic deposits to total assets | 74.2438% | 4,953 |
| Equity capital to assets | 9.1082% | 4,450 |
| Core capital (leverage) ratio | 9.4442% | 4,237 |
| Tier 1 risk-based capital ratio | 10.3361% | 5,286 |
| Total risk-based capital ratio | 11.3522% | 5,300 |
| Memoranda: | ||
| Average total assets | $135,657,750 | 3,608 |
| Average earning assets | $126,166,500 | 3,591 |
| Average equity | $11,960,000 | 4,068 |
| Average total loans | $104,950,750 | 3,243 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3886% | 397 |
| Cost of funding earning assets | 1.1075% | 282 |
| Net interest margin | 4.2810% | 1,073 |
| Noninterest income to average assets | 0.6263% | 2,197 |
| Noninterest expense to average assets | 2.9406% | 2,224 |
| Loan and lease loss provision to assets | 0.0977% | 1,981 |
| Net operating income to assets | 1.5200% | 1,109 |
| Return on assets (ROA) | 1.5058% | 1,143 |
| Pretax return on assets | 1.5680% | 1,608 |
| Return on Equity (ROE) | 17.2739% | 494 |
| Retained earnings to average equity (ytd only) | 11.8217% | 547 |
| Net charge-offs to loans | -0.0058% | 4,143 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6335% | 3,370 |
| Assets per employee ($millions) | 4.3336% | 3,383 |
| Cash dividends to net income (ytd only)* | 31.5634% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,416 |
| Loan loss allowance to noncurrent loans | 414.2336% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 2,981 |
| Noncurrent loans to loans | 0.2590% | 3,776 |
| Net loans and leases to total assets | 75.4830% | 1,718 |
| Net loans and leases to deposits | 96.7055% | 1,077 |
| Net loans and leases to core deposits | 105.2665% | 1,299 |
| Total domestic deposits to total assets | 78.0544% | 4,581 |
| Equity capital to assets | 8.9850% | 4,575 |
| Core capital (leverage) ratio | 9.3272% | 4,330 |
| Tier 1 risk-based capital ratio | 10.3447% | 5,329 |
| Total risk-based capital ratio | 11.2757% | 5,363 |
| Memoranda: | ||
| Average total assets | $135,075,670 | 3,631 |
| Average earning assets | $126,044,330 | 3,621 |
| Average equity | $11,775,000 | 4,123 |
| Average total loans | $103,614,000 | 3,271 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3326% | 385 |
| Cost of funding earning assets | 1.0877% | 243 |
| Net interest margin | 4.2449% | 1,064 |
| Noninterest income to average assets | 0.4502% | 3,109 |
| Noninterest expense to average assets | 3.0373% | 1,978 |
| Loan and lease loss provision to assets | 0.0900% | 2,004 |
| Net operating income to assets | 1.2515% | 1,804 |
| Return on assets (ROA) | 1.2515% | 1,814 |
| Pretax return on assets | 1.2936% | 2,390 |
| Return on Equity (ROE) | 14.5900% | 879 |
| Retained earnings to average equity (ytd only) | 12.8756% | 540 |
| Net charge-offs to loans | 0.0039% | 2,601 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 461.0000% | 139 |
| Efficiency ratio | 68.7033% | 2,717 |
| Assets per employee ($millions) | 4.4881% | 3,184 |
| Cash dividends to net income (ytd only)* | 11.7506% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,646 |
| Loan loss allowance to noncurrent loans | 4,562.5000% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 3,735 |
| Noncurrent loans to loans | 0.0231% | 4,879 |
| Net loans and leases to total assets | 76.5069% | 1,459 |
| Net loans and leases to deposits | 97.6426% | 895 |
| Net loans and leases to core deposits | 105.9772% | 1,239 |
| Total domestic deposits to total assets | 78.3540% | 4,672 |
| Equity capital to assets | 8.5247% | 4,952 |
| Core capital (leverage) ratio | 8.7294% | 4,965 |
| Tier 1 risk-based capital ratio | 10.0190% | 5,500 |
| Total risk-based capital ratio | 10.9662% | 5,516 |
| Memoranda: | ||
| Average total assets | $133,276,000 | 3,692 |
| Average earning assets | $124,666,500 | 3,667 |
| Average equity | $11,432,500 | 4,203 |
| Average total loans | $102,515,500 | 3,313 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2993% | 367 |
| Cost of funding earning assets | 0.9635% | 265 |
| Net interest margin | 4.3358% | 893 |
| Noninterest income to average assets | 0.5796% | 2,555 |
| Noninterest expense to average assets | 3.0776% | 1,927 |
| Loan and lease loss provision to assets | 0.0894% | 2,399 |
| Net operating income to assets | 1.3999% | 1,020 |
| Return on assets (ROA) | 1.3999% | 1,036 |
| Pretax return on assets | 1.4410% | 1,850 |
| Return on Equity (ROE) | 16.1485% | 464 |
| Retained earnings to average equity (ytd only) | 11.7283% | 195 |
| Net charge-offs to loans | 0.0170% | 3,528 |
| Credit loss provision to net charge-offs | 693.7500% | 475 |
| Earnings coverage of net charge-offs (x) | 118.8125% | 569 |
| Efficiency ratio | 66.7890% | 3,114 |
| Assets per employee ($millions) | 4.3969% | 3,351 |
| Cash dividends to net income (ytd only)* | 27.3721% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 3,584 |
| Loan loss allowance to noncurrent loans | 286.5591% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 2,698 |
| Noncurrent loans to loans | 0.3686% | 3,439 |
| Net loans and leases to total assets | 75.7028% | 1,651 |
| Net loans and leases to deposits | 96.5558% | 1,032 |
| Net loans and leases to core deposits | 103.1857% | 1,475 |
| Total domestic deposits to total assets | 78.4031% | 4,655 |
| Equity capital to assets | 8.6325% | 5,006 |
| Core capital (leverage) ratio | 8.6445% | 4,997 |
| Tier 1 risk-based capital ratio | 9.9233% | 5,552 |
| Total risk-based capital ratio | 10.8733% | 5,570 |
| Memoranda: | ||
| Average total assets | $124,220,000 | 3,835 |
| Average earning assets | $115,412,400 | 3,827 |
| Average equity | $10,768,800 | 4,339 |
| Average total loans | $94,039,600 | 3,451 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2936% | 344 |
| Cost of funding earning assets | 0.9277% | 299 |
| Net interest margin | 4.3659% | 789 |
| Noninterest income to average assets | 0.5593% | 2,673 |
| Noninterest expense to average assets | 3.0678% | 1,895 |
| Loan and lease loss provision to assets | 0.0872% | 2,340 |
| Net operating income to assets | 1.4173% | 1,053 |
| Return on assets (ROA) | 1.4173% | 1,081 |
| Pretax return on assets | 1.4576% | 1,918 |
| Return on Equity (ROE) | 16.3298% | 490 |
| Retained earnings to average equity (ytd only) | 10.3381% | 520 |
| Net charge-offs to loans | 0.0144% | 3,233 |
| Credit loss provision to net charge-offs | 800.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 141.7322% | 559 |
| Efficiency ratio | 66.5091% | 3,120 |
| Assets per employee ($millions) | 4.2409% | 3,577 |
| Cash dividends to net income (ytd only)* | 36.6921% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,759 |
| Loan loss allowance to noncurrent loans | 5,478.9474% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 3,799 |
| Noncurrent loans to loans | 0.0193% | 5,049 |
| Net loans and leases to total assets | 76.7282% | 1,464 |
| Net loans and leases to deposits | 103.8246% | 507 |
| Net loans and leases to core deposits | 111.4843% | 953 |
| Total domestic deposits to total assets | 73.9018% | 5,243 |
| Equity capital to assets | 8.7096% | 5,139 |
| Core capital (leverage) ratio | 8.6916% | 5,070 |
| Tier 1 risk-based capital ratio | 9.7718% | 5,638 |
| Total risk-based capital ratio | 10.7103% | 5,652 |
| Memoranda: | ||
| Average total assets | $122,298,000 | 3,900 |
| Average earning assets | $113,544,000 | 3,894 |
| Average equity | $10,614,250 | 4,401 |
| Average total loans | $92,318,500 | 3,516 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 366 |
| Cost of funding earning assets | 0.9092% | 286 |
| Net interest margin | 4.3315% | 799 |
| Noninterest income to average assets | 0.4956% | 3,054 |
| Noninterest expense to average assets | 3.0119% | 2,075 |
| Loan and lease loss provision to assets | 0.0829% | 2,330 |
| Net operating income to assets | 1.3907% | 1,095 |
| Return on assets (ROA) | 1.3907% | 1,118 |
| Pretax return on assets | 1.4206% | 1,939 |
| Return on Equity (ROE) | 16.0441% | 524 |
| Retained earnings to average equity (ytd only) | 9.4850% | 715 |
| Net charge-offs to loans | 0.0222% | 2,776 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 90.7000% | 697 |
| Efficiency ratio | 66.7034% | 3,227 |
| Assets per employee ($millions) | 4.2473% | 3,524 |
| Cash dividends to net income (ytd only)* | 40.8820% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 3,736 |
| Loan loss allowance to noncurrent loans | 111.7127% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.0546% | 1,659 |
| Noncurrent loans to loans | 0.9589% | 2,045 |
| Net loans and leases to total assets | 75.8038% | 1,570 |
| Net loans and leases to deposits | 99.7809% | 755 |
| Net loans and leases to core deposits | 109.4224% | 1,032 |
| Total domestic deposits to total assets | 75.9702% | 5,100 |
| Equity capital to assets | 8.7674% | 5,090 |
| Core capital (leverage) ratio | 8.6345% | 5,104 |
| Tier 1 risk-based capital ratio | 9.8625% | 5,663 |
| Total risk-based capital ratio | 10.8102% | 5,687 |
| Memoranda: | ||
| Average total assets | $120,655,000 | 3,952 |
| Average earning assets | $111,971,670 | 3,945 |
| Average equity | $10,458,670 | 4,443 |
| Average total loans | $90,204,670 | 3,573 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1836% | 389 |
| Cost of funding earning assets | 0.8844% | 306 |
| Net interest margin | 4.2992% | 787 |
| Noninterest income to average assets | 0.3417% | 4,110 |
| Noninterest expense to average assets | 2.9817% | 2,209 |
| Loan and lease loss provision to assets | 0.0804% | 2,203 |
| Net operating income to assets | 1.2764% | 1,303 |
| Return on assets (ROA) | 1.2764% | 1,337 |
| Pretax return on assets | 1.2697% | 2,349 |
| Return on Equity (ROE) | 14.8127% | 673 |
| Retained earnings to average equity (ytd only) | 9.7585% | 871 |
| Net charge-offs to loans | 0.0409% | 2,006 |
| Credit loss provision to net charge-offs | 266.6667% | 845 |
| Earnings coverage of net charge-offs (x) | 44.7778% | 957 |
| Efficiency ratio | 68.8322% | 3,077 |
| Assets per employee ($millions) | 4.6062% | 2,996 |
| Cash dividends to net income (ytd only)* | 34.1207% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 3,629 |
| Loan loss allowance to noncurrent loans | 8,963.6364% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 3,784 |
| Noncurrent loans to loans | 0.0124% | 5,194 |
| Net loans and leases to total assets | 73.0772% | 1,900 |
| Net loans and leases to deposits | 94.5282% | 1,062 |
| Net loans and leases to core deposits | 104.0642% | 1,221 |
| Total domestic deposits to total assets | 77.3073% | 5,076 |
| Equity capital to assets | 8.7182% | 5,058 |
| Core capital (leverage) ratio | 8.6416% | 5,112 |
| Tier 1 risk-based capital ratio | 10.4420% | 5,567 |
| Total risk-based capital ratio | 11.4438% | 5,600 |
| Memoranda: | ||
| Average total assets | $119,396,500 | 4,004 |
| Average earning assets | $110,812,000 | 3,999 |
| Average equity | $10,288,500 | 4,497 |
| Average total loans | $88,117,000 | 3,645 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1003% | 497 |
| Cost of funding earning assets | 0.8984% | 301 |
| Net interest margin | 4.2019% | 1,112 |
| Noninterest income to average assets | 0.4119% | 3,796 |
| Noninterest expense to average assets | 3.0157% | 2,304 |
| Loan and lease loss provision to assets | 0.0545% | 3,291 |
| Net operating income to assets | 1.1688% | 1,611 |
| Return on assets (ROA) | 1.1688% | 1,707 |
| Pretax return on assets | 1.2116% | 2,614 |
| Return on Equity (ROE) | 13.2413% | 939 |
| Retained earnings to average equity (ytd only) | 11.0445% | 302 |
| Net charge-offs to loans | 0.0292% | 3,436 |
| Credit loss provision to net charge-offs | 254.1667% | 1,137 |
| Earnings coverage of net charge-offs (x) | 59.0417% | 906 |
| Efficiency ratio | 70.4299% | 2,837 |
| Assets per employee ($millions) | 4.5782% | 3,001 |
| Cash dividends to net income (ytd only)* | 16.5902% | 3,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,670 |
| Loan loss allowance to noncurrent loans | 1,032.9787% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 3,416 |
| Noncurrent loans to loans | 0.1071% | 4,806 |
| Net loans and leases to total assets | 72.8871% | 2,026 |
| Net loans and leases to deposits | 93.2491% | 1,270 |
| Net loans and leases to core deposits | 102.9170% | 1,367 |
| Total domestic deposits to total assets | 78.1639% | 4,953 |
| Equity capital to assets | 8.5154% | 5,260 |
| Core capital (leverage) ratio | 8.6636% | 5,114 |
| Tier 1 risk-based capital ratio | 10.3083% | 5,658 |
| Total risk-based capital ratio | 11.3057% | 5,679 |
| Memoranda: | ||
| Average total assets | $111,914,200 | 4,131 |
| Average earning assets | $103,072,600 | 4,137 |
| Average equity | $9,878,200 | 4,603 |
| Average total loans | $82,177,800 | 3,758 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0871% | 512 |
| Cost of funding earning assets | 0.9003% | 297 |
| Net interest margin | 4.1868% | 1,154 |
| Noninterest income to average assets | 0.5520% | 2,906 |
| Noninterest expense to average assets | 3.1561% | 1,888 |
| Loan and lease loss provision to assets | 0.0557% | 3,136 |
| Net operating income to assets | 1.1489% | 1,813 |
| Return on assets (ROA) | 1.1489% | 1,915 |
| Pretax return on assets | 1.1912% | 2,865 |
| Return on Equity (ROE) | 12.8931% | 1,089 |
| Retained earnings to average equity (ytd only) | 9.9450% | 585 |
| Net charge-offs to loans | 0.0330% | 2,980 |
| Credit loss provision to net charge-offs | 230.0000% | 1,282 |
| Earnings coverage of net charge-offs (x) | 51.4923% | 1,051 |
| Efficiency ratio | 71.6800% | 2,619 |
| Assets per employee ($millions) | 4.5586% | 2,992 |
| Cash dividends to net income (ytd only)* | 22.8665% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 3,721 |
| Loan loss allowance to noncurrent loans | 950.4950% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.4966% | 3,458 |
| Noncurrent loans to loans | 0.1181% | 4,867 |
| Net loans and leases to total assets | 74.2305% | 1,830 |
| Net loans and leases to deposits | 96.4640% | 1,003 |
| Net loans and leases to core deposits | 106.7673% | 1,128 |
| Total domestic deposits to total assets | 76.9515% | 5,100 |
| Equity capital to assets | 9.0283% | 5,150 |
| Core capital (leverage) ratio | 8.4931% | 5,363 |
| Tier 1 risk-based capital ratio | 10.0538% | 5,775 |
| Total risk-based capital ratio | 11.0576% | 5,813 |
| Memoranda: | ||
| Average total assets | $110,134,750 | 4,191 |
| Average earning assets | $101,299,750 | 4,211 |
| Average equity | $9,813,750 | 4,652 |
| Average total loans | $80,789,750 | 3,803 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9914% | 603 |
| Cost of funding earning assets | 0.8955% | 298 |
| Net interest margin | 4.0959% | 1,376 |
| Noninterest income to average assets | 0.5677% | 2,806 |
| Noninterest expense to average assets | 3.1325% | 1,967 |
| Loan and lease loss provision to assets | 0.0551% | 3,047 |
| Net operating income to assets | 1.1115% | 1,919 |
| Return on assets (ROA) | 1.1115% | 2,036 |
| Pretax return on assets | 1.1446% | 3,011 |
| Return on Equity (ROE) | 12.5319% | 1,156 |
| Retained earnings to average equity (ytd only) | 9.7770% | 645 |
| Net charge-offs to loans | 0.0328% | 2,796 |
| Credit loss provision to net charge-offs | 230.7692% | 1,176 |
| Earnings coverage of net charge-offs (x) | 50.2308% | 995 |
| Efficiency ratio | 72.3070% | 2,604 |
| Assets per employee ($millions) | 4.4752% | 3,075 |
| Cash dividends to net income (ytd only)* | 21.9835% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 3,576 |
| Loan loss allowance to noncurrent loans | 189.0656% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 2,363 |
| Noncurrent loans to loans | 0.6141% | 3,223 |
| Net loans and leases to total assets | 72.3597% | 2,113 |
| Net loans and leases to deposits | 93.7262% | 1,313 |
| Net loans and leases to core deposits | 102.1952% | 1,454 |
| Total domestic deposits to total assets | 77.2033% | 5,134 |
| Equity capital to assets | 8.9703% | 5,260 |
| Core capital (leverage) ratio | 8.5638% | 5,304 |
| Tier 1 risk-based capital ratio | 10.2521% | 5,776 |
| Total risk-based capital ratio | 11.2879% | 5,791 |
| Memoranda: | ||
| Average total assets | $108,858,330 | 4,248 |
| Average earning assets | $100,051,330 | 4,267 |
| Average equity | $9,655,330 | 4,713 |
| Average total loans | $79,201,000 | 3,863 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 596 |
| Cost of funding earning assets | 0.8954% | 303 |
| Net interest margin | 4.0922% | 1,362 |
| Noninterest income to average assets | 0.4993% | 3,116 |
| Noninterest expense to average assets | 3.1337% | 2,010 |
| Loan and lease loss provision to assets | 0.0559% | 2,827 |
| Net operating income to assets | 1.0620% | 2,043 |
| Return on assets (ROA) | 1.0620% | 2,152 |
| Pretax return on assets | 1.0732% | 3,194 |
| Return on Equity (ROE) | 12.0444% | 1,304 |
| Retained earnings to average equity (ytd only) | 12.0444% | 503 |
| Net charge-offs to loans | 0.0822% | 1,671 |
| Credit loss provision to net charge-offs | 93.7500% | 1,728 |
| Earnings coverage of net charge-offs (x) | 18.9375% | 1,527 |
| Efficiency ratio | 73.5140% | 2,554 |
| Assets per employee ($millions) | 4.3442% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 3,544 |
| Loan loss allowance to noncurrent loans | 871.9626% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 3,390 |
| Noncurrent loans to loans | 0.1364% | 4,929 |
| Net loans and leases to total assets | 71.3745% | 2,134 |
| Net loans and leases to deposits | 91.1568% | 1,448 |
| Net loans and leases to core deposits | 98.4068% | 1,608 |
| Total domestic deposits to total assets | 78.2986% | 5,091 |
| Equity capital to assets | 8.9056% | 5,262 |
| Core capital (leverage) ratio | 8.6144% | 5,280 |
| Tier 1 risk-based capital ratio | 10.2276% | 5,855 |
| Total risk-based capital ratio | 11.2669% | 5,858 |
| Memoranda: | ||
| Average total assets | $107,347,500 | 4,320 |
| Average earning assets | $98,725,500 | 4,326 |
| Average equity | $9,465,000 | 4,767 |
| Average total loans | $77,848,000 | 3,921 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7632% | 986 |
| Cost of funding earning assets | 0.8292% | 425 |
| Net interest margin | 3.9340% | 1,915 |
| Noninterest income to average assets | 0.3972% | 4,051 |
| Noninterest expense to average assets | 3.1552% | 2,076 |
| Loan and lease loss provision to assets | 0.0719% | 2,832 |
| Net operating income to assets | 0.7642% | 3,501 |
| Return on assets (ROA) | 0.7642% | 3,588 |
| Pretax return on assets | 0.7869% | 4,228 |
| Return on Equity (ROE) | 9.0054% | 2,452 |
| Retained earnings to average equity (ytd only) | 8.6933% | 730 |
| Net charge-offs to loans | 0.0273% | 3,684 |
| Credit loss provision to net charge-offs | 380.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 45.4000% | 1,073 |
| Efficiency ratio | 78.6051% | 1,872 |
| Assets per employee ($millions) | 4.4204% | 3,172 |
| Cash dividends to net income (ytd only)* | 3.4653% | 4,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 3,427 |
| Loan loss allowance to noncurrent loans | 765.5738% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 3,325 |
| Noncurrent loans to loans | 0.1579% | 4,859 |
| Net loans and leases to total assets | 71.9321% | 2,067 |
| Net loans and leases to deposits | 91.3173% | 1,474 |
| Net loans and leases to core deposits | 98.7116% | 1,614 |
| Total domestic deposits to total assets | 78.7716% | 5,019 |
| Equity capital to assets | 8.7266% | 5,366 |
| Core capital (leverage) ratio | 8.3114% | 5,594 |
| Tier 1 risk-based capital ratio | 10.1017% | 5,925 |
| Total risk-based capital ratio | 11.1665% | 5,927 |
| Memoranda: | ||
| Average total assets | $105,730,800 | 4,342 |
| Average earning assets | $97,204,000 | 4,362 |
| Average equity | $8,972,400 | 4,857 |
| Average total loans | $73,289,600 | 4,016 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 1,096 |
| Cost of funding earning assets | 0.8089% | 475 |
| Net interest margin | 3.8950% | 2,050 |
| Noninterest income to average assets | 0.4051% | 4,051 |
| Noninterest expense to average assets | 3.0846% | 2,263 |
| Loan and lease loss provision to assets | 0.0707% | 2,771 |
| Net operating income to assets | 0.8103% | 3,384 |
| Return on assets (ROA) | 0.8103% | 3,480 |
| Pretax return on assets | 0.8292% | 4,247 |
| Return on Equity (ROE) | 9.6167% | 2,251 |
| Retained earnings to average equity (ytd only) | 9.1973% | 833 |
| Net charge-offs to loans | 0.0350% | 3,212 |
| Credit loss provision to net charge-offs | 294.7368% | 980 |
| Earnings coverage of net charge-offs (x) | 37.5302% | 1,309 |
| Efficiency ratio | 77.4153% | 2,028 |
| Assets per employee ($millions) | 4.4032% | 3,164 |
| Cash dividends to net income (ytd only)* | 4.3611% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 3,639 |
| Loan loss allowance to noncurrent loans | 486.7021% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 3,272 |
| Noncurrent loans to loans | 0.2471% | 4,690 |
| Net loans and leases to total assets | 71.1382% | 2,208 |
| Net loans and leases to deposits | 93.8878% | 1,219 |
| Net loans and leases to core deposits | 101.5892% | 1,407 |
| Total domestic deposits to total assets | 75.7693% | 5,529 |
| Equity capital to assets | 8.7059% | 5,573 |
| Core capital (leverage) ratio | 8.3334% | 5,688 |
| Tier 1 risk-based capital ratio | 10.2065% | 5,977 |
| Total risk-based capital ratio | 11.2687% | 5,991 |
| Memoranda: | ||
| Average total assets | $105,641,250 | 4,388 |
| Average earning assets | $97,080,000 | 4,408 |
| Average equity | $8,901,000 | 4,932 |
| Average total loans | $72,300,500 | 4,071 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 1,329 |
| Cost of funding earning assets | 0.7879% | 536 |
| Net interest margin | 3.7894% | 2,361 |
| Noninterest income to average assets | 0.6532% | 2,459 |
| Noninterest expense to average assets | 3.0351% | 2,444 |
| Loan and lease loss provision to assets | 0.0871% | 2,365 |
| Net operating income to assets | 0.9997% | 2,393 |
| Return on assets (ROA) | 0.9997% | 2,499 |
| Pretax return on assets | 1.0187% | 3,507 |
| Return on Equity (ROE) | 11.9982% | 1,370 |
| Retained earnings to average equity (ytd only) | 11.3619% | 458 |
| Net charge-offs to loans | -0.0141% | 5,037 |
| Credit loss provision to net charge-offs | -920.0000% | 5,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2968% | 2,784 |
| Assets per employee ($millions) | 4.4011% | 3,141 |
| Cash dividends to net income (ytd only)* | 5.3030% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 3,652 |
| Loan loss allowance to noncurrent loans | 119.7165% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.8000% | 2,985 |
| Noncurrent loans to loans | 1.0218% | 2,604 |
| Net loans and leases to total assets | 71.0197% | 2,163 |
| Net loans and leases to deposits | 92.8784% | 1,268 |
| Net loans and leases to core deposits | 97.9181% | 1,660 |
| Total domestic deposits to total assets | 76.4653% | 5,536 |
| Equity capital to assets | 8.4713% | 5,710 |
| Core capital (leverage) ratio | 8.3373% | 5,687 |
| Tier 1 risk-based capital ratio | 9.9789% | 6,096 |
| Total risk-based capital ratio | 11.0483% | 6,102 |
| Memoranda: | ||
| Average total assets | $105,629,670 | 4,431 |
| Average earning assets | $97,217,670 | 4,439 |
| Average equity | $8,801,330 | 4,989 |
| Average total loans | $71,037,000 | 4,134 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4113% | 1,728 |
| Cost of funding earning assets | 0.7867% | 546 |
| Net interest margin | 3.6246% | 2,911 |
| Noninterest income to average assets | 0.6627% | 2,347 |
| Noninterest expense to average assets | 2.9764% | 2,657 |
| Loan and lease loss provision to assets | 0.0947% | 2,100 |
| Net operating income to assets | 0.9353% | 2,579 |
| Return on assets (ROA) | 0.9353% | 2,711 |
| Pretax return on assets | 0.9240% | 3,799 |
| Return on Equity (ROE) | 11.3199% | 1,544 |
| Retained earnings to average equity (ytd only) | 10.0367% | 916 |
| Net charge-offs to loans | 0.0117% | 2,958 |
| Credit loss provision to net charge-offs | 1,250.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 134.5000% | 386 |
| Efficiency ratio | 74.5024% | 2,733 |
| Assets per employee ($millions) | 4.7290% | 2,719 |
| Cash dividends to net income (ytd only)* | 11.3360% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 3,298 |
| Loan loss allowance to noncurrent loans | 105.6272% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.8862% | 2,860 |
| Noncurrent loans to loans | 1.2517% | 2,284 |
| Net loans and leases to total assets | 64.6383% | 2,998 |
| Net loans and leases to deposits | 80.3654% | 2,526 |
| Net loans and leases to core deposits | 84.5665% | 2,707 |
| Total domestic deposits to total assets | 80.4304% | 4,950 |
| Equity capital to assets | 8.5449% | 5,708 |
| Core capital (leverage) ratio | 8.1770% | 5,827 |
| Tier 1 risk-based capital ratio | 10.6878% | 5,941 |
| Total risk-based capital ratio | 11.8165% | 5,924 |
| Memoranda: | ||
| Average total assets | $105,631,000 | 4,464 |
| Average earning assets | $97,115,000 | 4,480 |
| Average equity | $8,728,000 | 5,055 |
| Average total loans | $68,583,000 | 4,212 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5937% | 1,577 |
| Cost of funding earning assets | 0.7558% | 823 |
| Net interest margin | 3.8379% | 2,479 |
| Noninterest income to average assets | 0.6253% | 2,708 |
| Noninterest expense to average assets | 2.9839% | 2,889 |
| Loan and lease loss provision to assets | 0.1831% | 1,404 |
| Net operating income to assets | 0.9700% | 2,529 |
| Return on assets (ROA) | 0.9380% | 2,777 |
| Pretax return on assets | 0.9754% | 3,594 |
| Return on Equity (ROE) | 11.4317% | 1,579 |
| Retained earnings to average equity (ytd only) | 8.2624% | 930 |
| Net charge-offs to loans | 0.4008% | 1,068 |
| Credit loss provision to net charge-offs | 70.4280% | 3,068 |
| Earnings coverage of net charge-offs (x) | 4.5837% | 3,615 |
| Efficiency ratio | 71.4563% | 3,301 |
| Assets per employee ($millions) | 4.8738% | 2,501 |
| Cash dividends to net income (ytd only)* | 27.7238% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 3,582 |
| Loan loss allowance to noncurrent loans | 101.2687% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8729% | 3,025 |
| Noncurrent loans to loans | 1.2562% | 2,352 |
| Net loans and leases to total assets | 63.5479% | 3,286 |
| Net loans and leases to deposits | 78.5326% | 2,907 |
| Net loans and leases to core deposits | 82.3629% | 3,066 |
| Total domestic deposits to total assets | 80.9192% | 4,767 |
| Equity capital to assets | 7.9890% | 6,076 |
| Core capital (leverage) ratio | 8.0542% | 5,961 |
| Tier 1 risk-based capital ratio | 10.4383% | 6,130 |
| Total risk-based capital ratio | 11.5489% | 6,123 |
| Memoranda: | ||
| Average total assets | $98,830,400 | 4,633 |
| Average earning assets | $91,429,800 | 4,618 |
| Average equity | $8,109,000 | 5,176 |
| Average total loans | $64,129,400 | 4,358 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6263% | 1,503 |
| Cost of funding earning assets | 0.7410% | 938 |
| Net interest margin | 3.8852% | 2,302 |
| Noninterest income to average assets | 0.6575% | 2,534 |
| Noninterest expense to average assets | 2.9924% | 2,823 |
| Loan and lease loss provision to assets | 0.0276% | 3,854 |
| Net operating income to assets | 1.1923% | 1,698 |
| Return on assets (ROA) | 1.1923% | 1,772 |
| Pretax return on assets | 1.2364% | 2,630 |
| Return on Equity (ROE) | 14.4257% | 910 |
| Retained earnings to average equity (ytd only) | 10.1398% | 668 |
| Net charge-offs to loans | 0.1187% | 2,619 |
| Credit loss provision to net charge-offs | 35.7143% | 3,358 |
| Earnings coverage of net charge-offs (x) | 16.3761% | 1,980 |
| Efficiency ratio | 70.3044% | 3,456 |
| Assets per employee ($millions) | 4.5488% | 2,884 |
| Cash dividends to net income (ytd only)* | 29.7113% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 3,381 |
| Loan loss allowance to noncurrent loans | 48.0880% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 1.9546% | 1,484 |
| Noncurrent loans to loans | 2.8158% | 982 |
| Net loans and leases to total assets | 66.8292% | 2,716 |
| Net loans and leases to deposits | 83.8722% | 2,169 |
| Net loans and leases to core deposits | 88.0530% | 2,420 |
| Total domestic deposits to total assets | 79.6798% | 5,175 |
| Equity capital to assets | 8.3719% | 5,893 |
| Core capital (leverage) ratio | 8.1777% | 5,953 |
| Tier 1 risk-based capital ratio | 10.5865% | 6,177 |
| Total risk-based capital ratio | 11.7802% | 6,148 |
| Memoranda: | ||
| Average total assets | $96,732,250 | 4,726 |
| Average earning assets | $89,602,000 | 4,712 |
| Average equity | $7,994,750 | 5,244 |
| Average total loans | $62,907,750 | 4,430 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 1,457 |
| Cost of funding earning assets | 0.7275% | 1,033 |
| Net interest margin | 3.8994% | 2,170 |
| Noninterest income to average assets | 0.5501% | 3,123 |
| Noninterest expense to average assets | 2.9639% | 2,953 |
| Loan and lease loss provision to assets | 0.0105% | 4,032 |
| Net operating income to assets | 1.1504% | 1,756 |
| Return on assets (ROA) | 1.1504% | 1,834 |
| Pretax return on assets | 1.1860% | 2,729 |
| Return on Equity (ROE) | 13.9825% | 957 |
| Retained earnings to average equity (ytd only) | 9.0505% | 972 |
| Net charge-offs to loans | -0.0065% | 5,225 |
| Credit loss provision to net charge-offs | -250.0000% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2418% | 3,464 |
| Assets per employee ($millions) | 4.6272% | 2,731 |
| Cash dividends to net income (ytd only)* | 35.2727% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 2,990 |
| Loan loss allowance to noncurrent loans | 322.4832% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 3,202 |
| Noncurrent loans to loans | 0.4592% | 4,618 |
| Net loans and leases to total assets | 65.8019% | 2,782 |
| Net loans and leases to deposits | 83.2999% | 2,114 |
| Net loans and leases to core deposits | 87.5856% | 2,357 |
| Total domestic deposits to total assets | 78.9939% | 5,458 |
| Equity capital to assets | 8.4139% | 5,872 |
| Core capital (leverage) ratio | 8.1473% | 5,986 |
| Tier 1 risk-based capital ratio | 10.5632% | 6,226 |
| Total risk-based capital ratio | 11.8143% | 6,169 |
| Memoranda: | ||
| Average total assets | $95,618,670 | 4,779 |
| Average earning assets | $88,527,000 | 4,768 |
| Average equity | $7,867,000 | 5,299 |
| Average total loans | $61,278,330 | 4,505 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5786% | 1,557 |
| Cost of funding earning assets | 0.6879% | 1,323 |
| Net interest margin | 3.8906% | 2,117 |
| Noninterest income to average assets | 0.4513% | 3,779 |
| Noninterest expense to average assets | 2.9902% | 2,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0544% | 1,992 |
| Return on assets (ROA) | 1.0544% | 2,060 |
| Pretax return on assets | 1.0628% | 3,072 |
| Return on Equity (ROE) | 12.9660% | 1,171 |
| Retained earnings to average equity (ytd only) | 9.3355% | 1,152 |
| Net charge-offs to loans | 0.0067% | 3,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 190 |
| Efficiency ratio | 73.7773% | 3,184 |
| Assets per employee ($millions) | 4.8261% | 2,475 |
| Cash dividends to net income (ytd only)* | 28.0000% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 2,838 |
| Loan loss allowance to noncurrent loans | 287.9154% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.9780% | 3,307 |
| Noncurrent loans to loans | 0.5450% | 4,534 |
| Net loans and leases to total assets | 61.9361% | 3,248 |
| Net loans and leases to deposits | 76.6230% | 2,740 |
| Net loans and leases to core deposits | 80.4960% | 2,908 |
| Total domestic deposits to total assets | 80.8323% | 5,281 |
| Equity capital to assets | 8.1277% | 5,958 |
| Core capital (leverage) ratio | 8.3468% | 5,803 |
| Tier 1 risk-based capital ratio | 10.7991% | 6,241 |
| Total risk-based capital ratio | 12.0495% | 6,202 |
| Memoranda: | ||
| Average total assets | $94,842,000 | 4,847 |
| Average earning assets | $87,800,500 | 4,829 |
| Average equity | $7,712,500 | 5,368 |
| Average total loans | $59,466,500 | 4,612 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4062% | 2,564 |
| Cost of funding earning assets | 0.7010% | 1,807 |
| Net interest margin | 3.7053% | 3,031 |
| Noninterest income to average assets | 0.4098% | 4,376 |
| Noninterest expense to average assets | 2.8199% | 3,656 |
| Loan and lease loss provision to assets | 0.0450% | 4,225 |
| Net operating income to assets | 0.9749% | 2,441 |
| Return on assets (ROA) | 0.9749% | 2,512 |
| Pretax return on assets | 1.0199% | 3,270 |
| Return on Equity (ROE) | 11.5074% | 1,590 |
| Retained earnings to average equity (ytd only) | 7.5741% | 1,207 |
| Net charge-offs to loans | 0.1326% | 3,478 |
| Credit loss provision to net charge-offs | 57.1429% | 3,647 |
| Earnings coverage of net charge-offs (x) | 13.5143% | 2,014 |
| Efficiency ratio | 72.5877% | 3,371 |
| Assets per employee ($millions) | 4.6581% | 2,643 |
| Cash dividends to net income (ytd only)* | 34.1801% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 2,612 |
| Loan loss allowance to noncurrent loans | 172.8261% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 1.2537% | 2,905 |
| Noncurrent loans to loans | 0.9485% | 3,617 |
| Net loans and leases to total assets | 61.4457% | 3,452 |
| Net loans and leases to deposits | 75.7667% | 2,987 |
| Net loans and leases to core deposits | 78.6881% | 3,279 |
| Total domestic deposits to total assets | 81.0985% | 5,141 |
| Equity capital to assets | 8.1364% | 5,912 |
| Core capital (leverage) ratio | 8.2198% | 5,955 |
| Tier 1 risk-based capital ratio | 10.9004% | 6,221 |
| Total risk-based capital ratio | 12.1503% | 6,168 |
| Memoranda: | ||
| Average total assets | $88,834,000 | 5,005 |
| Average earning assets | $83,313,800 | 4,946 |
| Average equity | $7,525,600 | 5,455 |
| Average total loans | $52,783,200 | 4,856 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2898% | 3,038 |
| Cost of funding earning assets | 0.6991% | 1,955 |
| Net interest margin | 3.5908% | 3,484 |
| Noninterest income to average assets | 0.4148% | 4,413 |
| Noninterest expense to average assets | 2.7547% | 3,813 |
| Loan and lease loss provision to assets | 0.0608% | 3,830 |
| Net operating income to assets | 0.9284% | 2,696 |
| Return on assets (ROA) | 0.9284% | 2,805 |
| Pretax return on assets | 0.9709% | 3,610 |
| Return on Equity (ROE) | 10.8446% | 1,875 |
| Retained earnings to average equity (ytd only) | 5.5909% | 2,669 |
| Net charge-offs to loans | -0.0233% | 6,095 |
| Credit loss provision to net charge-offs | -444.4444% | 6,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7528% | 3,271 |
| Assets per employee ($millions) | 4.3997% | 3,050 |
| Cash dividends to net income (ytd only)* | 48.4453% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8841% | 2,044 |
| Loan loss allowance to noncurrent loans | 57.7095% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 2.0343% | 1,978 |
| Noncurrent loans to loans | 3.2648% | 1,200 |
| Net loans and leases to total assets | 61.1355% | 3,500 |
| Net loans and leases to deposits | 79.4057% | 2,491 |
| Net loans and leases to core deposits | 82.8342% | 2,785 |
| Total domestic deposits to total assets | 76.9914% | 6,047 |
| Equity capital to assets | 8.4643% | 5,774 |
| Core capital (leverage) ratio | 7.8265% | 6,315 |
| Tier 1 risk-based capital ratio | 10.9407% | 6,304 |
| Total risk-based capital ratio | 12.1955% | 6,269 |
| Memoranda: | ||
| Average total assets | $87,752,000 | 5,078 |
| Average earning assets | $82,394,250 | 5,017 |
| Average equity | $7,512,000 | 5,518 |
| Average total loans | $51,429,500 | 4,951 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 3,598 |
| Cost of funding earning assets | 0.7008% | 2,058 |
| Net interest margin | 3.4359% | 4,057 |
| Noninterest income to average assets | 0.4152% | 4,414 |
| Noninterest expense to average assets | 2.7375% | 3,900 |
| Loan and lease loss provision to assets | 0.0684% | 3,674 |
| Net operating income to assets | 0.8053% | 3,264 |
| Return on assets (ROA) | 0.8053% | 3,418 |
| Pretax return on assets | 0.8418% | 4,150 |
| Return on Equity (ROE) | 9.3717% | 2,467 |
| Retained earnings to average equity (ytd only) | 5.1770% | 2,942 |
| Net charge-offs to loans | -0.0517% | 6,278 |
| Credit loss provision to net charge-offs | -230.7692% | 5,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0469% | 2,938 |
| Assets per employee ($millions) | 4.6636% | 2,569 |
| Cash dividends to net income (ytd only)* | 44.7592% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9640% | 1,933 |
| Loan loss allowance to noncurrent loans | 75.0183% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.5450% | 2,791 |
| Noncurrent loans to loans | 2.6181% | 1,749 |
| Net loans and leases to total assets | 57.8537% | 4,014 |
| Net loans and leases to deposits | 70.8718% | 3,608 |
| Net loans and leases to core deposits | 73.4627% | 3,878 |
| Total domestic deposits to total assets | 81.6315% | 5,168 |
| Equity capital to assets | 8.1257% | 6,114 |
| Core capital (leverage) ratio | 10.0176% | 3,483 |
| Tier 1 risk-based capital ratio | 11.7022% | 5,996 |
| Total risk-based capital ratio | 12.9581% | 5,944 |
| Memoranda: | ||
| Average total assets | $87,671,670 | 5,117 |
| Average earning assets | $82,481,000 | 5,038 |
| Average equity | $7,533,330 | 5,553 |
| Average total loans | $50,296,670 | 5,010 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 3,084 |
| Cost of funding earning assets | 0.7285% | 2,001 |
| Net interest margin | 3.5253% | 3,593 |
| Noninterest income to average assets | 0.3073% | 5,229 |
| Noninterest expense to average assets | 2.8623% | 3,496 |
| Loan and lease loss provision to assets | 0.0688% | 3,485 |
| Net operating income to assets | 0.6605% | 3,900 |
| Return on assets (ROA) | 0.6605% | 4,059 |
| Pretax return on assets | 0.6835% | 4,646 |
| Return on Equity (ROE) | 7.4805% | 3,221 |
| Retained earnings to average equity (ytd only) | 3.5844% | 4,091 |
| Net charge-offs to loans | -0.0243% | 5,810 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1878% | 2,440 |
| Assets per employee ($millions) | 4.5436% | 2,896 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0741% | 1,859 |
| Loan loss allowance to noncurrent loans | 98.4283% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.1792% | 3,600 |
| Noncurrent loans to loans | 2.1072% | 2,498 |
| Net loans and leases to total assets | 54.8015% | 4,274 |
| Net loans and leases to deposits | 68.1009% | 3,765 |
| Net loans and leases to core deposits | 70.9663% | 3,956 |
| Total domestic deposits to total assets | 80.4710% | 5,642 |
| Equity capital to assets | 8.8998% | 5,614 |
| Core capital (leverage) ratio | 9.0100% | 4,866 |
| Tier 1 risk-based capital ratio | 12.6561% | 5,468 |
| Total risk-based capital ratio | 13.9141% | 5,415 |
| Memoranda: | ||
| Average total assets | $87,203,500 | 5,168 |
| Average earning assets | $81,808,500 | 5,092 |
| Average equity | $7,700,000 | 5,584 |
| Average total loans | $49,300,000 | 5,082 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 3,060 |
| Cost of funding earning assets | 0.8578% | 2,235 |
| Net interest margin | 3.7269% | 3,536 |
| Noninterest income to average assets | 0.3505% | 4,962 |
| Noninterest expense to average assets | 2.9323% | 3,531 |
| Loan and lease loss provision to assets | 0.0740% | 4,798 |
| Net operating income to assets | 0.7988% | 3,291 |
| Return on assets (ROA) | 0.8960% | 3,074 |
| Pretax return on assets | 0.9305% | 3,807 |
| Return on Equity (ROE) | 9.6128% | 2,356 |
| Retained earnings to average equity (ytd only) | 7.0176% | 1,561 |
| Net charge-offs to loans | 0.0455% | 5,274 |
| Credit loss provision to net charge-offs | 285.7143% | 852 |
| Earnings coverage of net charge-offs (x) | 34.8571% | 899 |
| Efficiency ratio | 76.4479% | 2,671 |
| Assets per employee ($millions) | 4.8933% | 2,367 |
| Cash dividends to net income (ytd only)* | 26.9972% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9567% | 2,141 |
| Loan loss allowance to noncurrent loans | 54.1850% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 2.0902% | 2,345 |
| Noncurrent loans to loans | 3.6111% | 1,362 |
| Net loans and leases to total assets | 55.9782% | 4,294 |
| Net loans and leases to deposits | 67.4986% | 4,052 |
| Net loans and leases to core deposits | 70.4397% | 4,242 |
| Total domestic deposits to total assets | 82.9324% | 4,749 |
| Equity capital to assets | 8.7615% | 5,780 |
| Core capital (leverage) ratio | 8.3155% | 5,873 |
| Tier 1 risk-based capital ratio | 12.0181% | 5,778 |
| Total risk-based capital ratio | 13.2719% | 5,727 |
| Memoranda: | ||
| Average total assets | $81,028,200 | 5,325 |
| Average earning assets | $75,772,600 | 5,251 |
| Average equity | $7,552,400 | 5,619 |
| Average total loans | $46,117,200 | 5,244 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 3,277 |
| Cost of funding earning assets | 0.8946% | 2,207 |
| Net interest margin | 3.6878% | 3,845 |
| Noninterest income to average assets | 0.2674% | 5,639 |
| Noninterest expense to average assets | 2.9537% | 3,393 |
| Loan and lease loss provision to assets | 0.0757% | 4,702 |
| Net operating income to assets | 0.6765% | 4,019 |
| Return on assets (ROA) | 0.6863% | 4,231 |
| Pretax return on assets | 0.7082% | 4,831 |
| Return on Equity (ROE) | 7.2423% | 3,672 |
| Retained earnings to average equity (ytd only) | 3.7809% | 4,233 |
| Net charge-offs to loans | 0.0296% | 5,242 |
| Credit loss provision to net charge-offs | 450.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 46.0105% | 797 |
| Efficiency ratio | 79.2419% | 2,202 |
| Assets per employee ($millions) | 5.0798% | 2,072 |
| Cash dividends to net income (ytd only)* | 47.7932% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9710% | 2,258 |
| Loan loss allowance to noncurrent loans | 320.2614% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 5,672 |
| Noncurrent loans to loans | 0.6154% | 5,208 |
| Net loans and leases to total assets | 59.9678% | 3,793 |
| Net loans and leases to deposits | 73.7178% | 3,336 |
| Net loans and leases to core deposits | 77.2829% | 3,573 |
| Total domestic deposits to total assets | 81.3477% | 5,248 |
| Equity capital to assets | 9.4369% | 5,281 |
| Core capital (leverage) ratio | 8.4279% | 5,863 |
| Tier 1 risk-based capital ratio | 12.1437% | 5,855 |
| Total risk-based capital ratio | 13.4001% | 5,826 |
| Memoranda: | ||
| Average total assets | $79,265,500 | 5,429 |
| Average earning assets | $74,369,500 | 5,356 |
| Average equity | $7,511,250 | 5,691 |
| Average total loans | $45,074,250 | 5,339 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 3,678 |
| Cost of funding earning assets | 0.9146% | 2,299 |
| Net interest margin | 3.6069% | 4,225 |
| Noninterest income to average assets | 0.2596% | 5,717 |
| Noninterest expense to average assets | 3.0078% | 3,233 |
| Loan and lease loss provision to assets | 0.0763% | 4,666 |
| Net operating income to assets | 0.5576% | 4,554 |
| Return on assets (ROA) | 0.5726% | 4,760 |
| Pretax return on assets | 0.5827% | 5,200 |
| Return on Equity (ROE) | 6.0335% | 4,311 |
| Retained earnings to average equity (ytd only) | 4.6927% | 3,490 |
| Net charge-offs to loans | 0.0689% | 4,461 |
| Credit loss provision to net charge-offs | 200.0000% | 1,419 |
| Earnings coverage of net charge-offs (x) | 16.8667% | 1,560 |
| Efficiency ratio | 82.3693% | 1,833 |
| Assets per employee ($millions) | 6.7881% | 822 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9975% | 2,240 |
| Loan loss allowance to noncurrent loans | 312.7036% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 5,766 |
| Noncurrent loans to loans | 0.6388% | 5,234 |
| Net loans and leases to total assets | 57.8219% | 4,194 |
| Net loans and leases to deposits | 69.5265% | 3,966 |
| Net loans and leases to core deposits | 72.2359% | 4,273 |
| Total domestic deposits to total assets | 83.1654% | 4,692 |
| Equity capital to assets | 9.3153% | 5,297 |
| Core capital (leverage) ratio | 8.5712% | 5,558 |
| Tier 1 risk-based capital ratio | 12.4283% | 5,626 |
| Total risk-based capital ratio | 13.6787% | 5,597 |
| Memoranda: | ||
| Average total assets | $78,595,000 | 5,477 |
| Average earning assets | $73,913,670 | 5,398 |
| Average equity | $7,458,330 | 5,721 |
| Average total loans | $43,525,670 | 5,447 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 4,147 |
| Cost of funding earning assets | 0.9426% | 2,360 |
| Net interest margin | 3.5002% | 4,697 |
| Noninterest income to average assets | 0.2281% | 5,989 |
| Noninterest expense to average assets | 3.0843% | 2,972 |
| Loan and lease loss provision to assets | 0.0778% | 4,426 |
| Net operating income to assets | 0.3421% | 5,504 |
| Return on assets (ROA) | 0.3421% | 5,681 |
| Pretax return on assets | 0.3577% | 5,839 |
| Return on Equity (ROE) | 3.5707% | 5,475 |
| Retained earnings to average equity (ytd only) | 3.5707% | 4,434 |
| Net charge-offs to loans | -0.0097% | 5,931 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6289% | 1,319 |
| Assets per employee ($millions) | 6.4854% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2724% | 1,732 |
| Loan loss allowance to noncurrent loans | 156.7700% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 1.0511% | 4,390 |
| Noncurrent loans to loans | 1.4495% | 3,942 |
| Net loans and leases to total assets | 53.1050% | 4,868 |
| Net loans and leases to deposits | 62.4701% | 4,849 |
| Net loans and leases to core deposits | 64.9643% | 5,018 |
| Total domestic deposits to total assets | 85.0087% | 4,033 |
| Equity capital to assets | 9.6332% | 4,607 |
| Core capital (leverage) ratio | 8.4530% | 5,669 |
| Tier 1 risk-based capital ratio | 13.1232% | 5,114 |
| Total risk-based capital ratio | 14.3322% | 5,111 |
| Memoranda: | ||
| Average total assets | $77,164,000 | 5,554 |
| Average earning assets | $72,567,500 | 5,480 |
| Average equity | $7,393,500 | 5,766 |
| Average total loans | $41,258,500 | 5,582 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8288% | 3,674 |
| Cost of funding earning assets | 1.0646% | 2,919 |
| Net interest margin | 3.7642% | 4,007 |
| Noninterest income to average assets | 0.2209% | 5,949 |
| Noninterest expense to average assets | 2.7463% | 4,567 |
| Loan and lease loss provision to assets | 0.0872% | 5,498 |
| Net operating income to assets | 0.8823% | 2,679 |
| Return on assets (ROA) | 1.1227% | 1,867 |
| Pretax return on assets | 1.1748% | 2,555 |
| Return on Equity (ROE) | 11.2961% | 1,621 |
| Retained earnings to average equity (ytd only) | 6.1152% | 1,951 |
| Net charge-offs to loans | -0.0218% | 6,967 |
| Credit loss provision to net charge-offs | -775.0000% | 6,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0812% | 3,378 |
| Assets per employee ($millions) | 6.3753% | 1,018 |
| Cash dividends to net income (ytd only)* | 45.8647% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3492% | 1,545 |
| Loan loss allowance to noncurrent loans | 149.0536% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 1.1058% | 4,401 |
| Noncurrent loans to loans | 1.5761% | 3,801 |
| Net loans and leases to total assets | 51.3470% | 5,413 |
| Net loans and leases to deposits | 58.8715% | 5,610 |
| Net loans and leases to core deposits | 61.2432% | 5,730 |
| Total domestic deposits to total assets | 87.2188% | 2,634 |
| Equity capital to assets | 9.5290% | 4,836 |
| Core capital (leverage) ratio | 8.9800% | 4,821 |
| Tier 1 risk-based capital ratio | 13.8383% | 4,453 |
| Total risk-based capital ratio | 15.0648% | 4,423 |
| Memoranda: | ||
| Average total assets | $71,078,000 | 5,717 |
| Average earning assets | $66,786,800 | 5,645 |
| Average equity | $7,064,400 | 5,846 |
| Average total loans | $36,697,600 | 5,840 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 4,230 |
| Cost of funding earning assets | 1.1078% | 2,923 |
| Net interest margin | 3.6409% | 4,610 |
| Noninterest income to average assets | 0.2410% | 5,901 |
| Noninterest expense to average assets | 2.6983% | 4,732 |
| Loan and lease loss provision to assets | 0.0899% | 5,334 |
| Net operating income to assets | 0.8321% | 3,011 |
| Return on assets (ROA) | 1.1589% | 1,895 |
| Pretax return on assets | 1.2124% | 2,589 |
| Return on Equity (ROE) | 11.5294% | 1,678 |
| Retained earnings to average equity (ytd only) | 6.2213% | 2,420 |
| Net charge-offs to loans | -0.0410% | 7,015 |
| Credit loss provision to net charge-offs | -427.2727% | 6,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7200% | 3,235 |
| Assets per employee ($millions) | 6.2154% | 1,077 |
| Cash dividends to net income (ytd only)* | 46.0395% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5289% | 1,355 |
| Loan loss allowance to noncurrent loans | 122.4409% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 1.4539% | 3,938 |
| Noncurrent loans to loans | 2.0654% | 3,282 |
| Net loans and leases to total assets | 52.5969% | 5,376 |
| Net loans and leases to deposits | 61.5037% | 5,463 |
| Net loans and leases to core deposits | 64.3453% | 5,581 |
| Total domestic deposits to total assets | 85.5183% | 3,480 |
| Equity capital to assets | 10.6437% | 3,522 |
| Core capital (leverage) ratio | 9.2742% | 4,497 |
| Tier 1 risk-based capital ratio | 14.7623% | 3,797 |
| Total risk-based capital ratio | 16.0026% | 3,780 |
| Memoranda: | ||
| Average total assets | $69,721,750 | 5,789 |
| Average earning assets | $65,476,750 | 5,731 |
| Average equity | $7,008,000 | 5,902 |
| Average total loans | $35,815,250 | 5,931 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 4,681 |
| Cost of funding earning assets | 1.1353% | 3,002 |
| Net interest margin | 3.5303% | 5,011 |
| Noninterest income to average assets | 0.2195% | 6,098 |
| Noninterest expense to average assets | 2.6392% | 5,041 |
| Loan and lease loss provision to assets | 0.0884% | 5,210 |
| Net operating income to assets | 0.7721% | 3,192 |
| Return on assets (ROA) | 1.2540% | 1,501 |
| Pretax return on assets | 1.3139% | 2,095 |
| Return on Equity (ROE) | 12.7198% | 1,268 |
| Retained earnings to average equity (ytd only) | 9.1930% | 1,048 |
| Net charge-offs to loans | -0.0903% | 7,141 |
| Credit loss provision to net charge-offs | -193.7500% | 6,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6774% | 3,246 |
| Assets per employee ($millions) | 6.4069% | 968 |
| Cash dividends to net income (ytd only)* | 27.7273% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5534% | 1,362 |
| Loan loss allowance to noncurrent loans | 135.3891% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 1.2955% | 4,309 |
| Noncurrent loans to loans | 1.8860% | 3,625 |
| Net loans and leases to total assets | 49.9276% | 5,833 |
| Net loans and leases to deposits | 57.5713% | 5,983 |
| Net loans and leases to core deposits | 60.1076% | 6,079 |
| Total domestic deposits to total assets | 86.7231% | 2,904 |
| Equity capital to assets | 10.2290% | 3,844 |
| Core capital (leverage) ratio | 9.3090% | 4,238 |
| Tier 1 risk-based capital ratio | 14.8129% | 3,607 |
| Total risk-based capital ratio | 16.0593% | 3,578 |
| Memoranda: | ||
| Average total assets | $70,172,670 | 5,823 |
| Average earning assets | $65,887,000 | 5,759 |
| Average equity | $6,918,330 | 5,946 |
| Average total loans | $35,456,000 | 5,995 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6010% | 4,942 |
| Cost of funding earning assets | 1.1791% | 2,953 |
| Net interest margin | 3.4219% | 5,340 |
| Noninterest income to average assets | 0.1885% | 6,374 |
| Noninterest expense to average assets | 2.7592% | 4,605 |
| Loan and lease loss provision to assets | 0.0857% | 4,931 |
| Net operating income to assets | 0.5377% | 4,322 |
| Return on assets (ROA) | 1.5138% | 890 |
| Pretax return on assets | 1.5767% | 1,239 |
| Return on Equity (ROE) | 15.6504% | 719 |
| Retained earnings to average equity (ytd only) | 13.2290% | 558 |
| Net charge-offs to loans | 0.0114% | 4,925 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 291 |
| Efficiency ratio | 81.0403% | 2,364 |
| Assets per employee ($millions) | 6.3149% | 1,024 |
| Cash dividends to net income (ytd only)* | 15.4717% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5072% | 1,449 |
| Loan loss allowance to noncurrent loans | 120.4607% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 1.3964% | 4,194 |
| Noncurrent loans to loans | 2.0813% | 3,467 |
| Net loans and leases to total assets | 49.7653% | 5,881 |
| Net loans and leases to deposits | 57.1322% | 6,011 |
| Net loans and leases to core deposits | 59.6727% | 6,120 |
| Total domestic deposits to total assets | 87.1056% | 2,889 |
| Equity capital to assets | 9.8267% | 3,998 |
| Core capital (leverage) ratio | 8.9251% | 4,728 |
| Tier 1 risk-based capital ratio | 14.8342% | 3,519 |
| Total risk-based capital ratio | 16.0611% | 3,503 |
| Memoranda: | ||
| Average total assets | $70,021,000 | 5,866 |
| Average earning assets | $65,811,500 | 5,802 |
| Average equity | $6,773,000 | 5,995 |
| Average total loans | $35,129,500 | 6,075 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1562% | 3,823 |
| Cost of funding earning assets | 1.4449% | 2,991 |
| Net interest margin | 3.7114% | 4,302 |
| Noninterest income to average assets | 0.1640% | 6,547 |
| Noninterest expense to average assets | 2.5807% | 5,499 |
| Loan and lease loss provision to assets | 0.4438% | 3,466 |
| Net operating income to assets | 0.5958% | 3,690 |
| Return on assets (ROA) | 0.6576% | 3,545 |
| Pretax return on assets | 0.6840% | 4,030 |
| Return on Equity (ROE) | 6.8210% | 3,201 |
| Retained earnings to average equity (ytd only) | 2.9320% | 3,806 |
| Net charge-offs to loans | 0.9158% | 2,349 |
| Credit loss provision to net charge-offs | 90.1786% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.1607% | 4,096 |
| Efficiency ratio | 70.8199% | 4,014 |
| Assets per employee ($millions) | 5.8815% | 1,297 |
| Cash dividends to net income (ytd only)* | 57.0156% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5143% | 1,395 |
| Loan loss allowance to noncurrent loans | 115.7407% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 1.4112% | 4,230 |
| Noncurrent loans to loans | 2.1724% | 3,342 |
| Net loans and leases to total assets | 48.0688% | 6,384 |
| Net loans and leases to deposits | 54.9658% | 6,521 |
| Net loans and leases to core deposits | 57.3860% | 6,608 |
| Total domestic deposits to total assets | 87.4522% | 2,578 |
| Equity capital to assets | 9.5214% | 4,378 |
| Core capital (leverage) ratio | 8.8143% | 4,834 |
| Tier 1 risk-based capital ratio | 15.0601% | 3,205 |
| Total risk-based capital ratio | 16.3242% | 3,148 |
| Memoranda: | ||
| Average total assets | $68,276,200 | 5,928 |
| Average earning assets | $64,019,800 | 5,857 |
| Average equity | $6,582,600 | 6,173 |
| Average total loans | $36,689,400 | 6,082 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 3,752 |
| Cost of funding earning assets | 1.5027% | 2,964 |
| Net interest margin | 3.7146% | 4,332 |
| Noninterest income to average assets | 0.1201% | 6,950 |
| Noninterest expense to average assets | 2.5366% | 5,579 |
| Loan and lease loss provision to assets | 0.5770% | 2,627 |
| Net operating income to assets | 0.4674% | 4,455 |
| Return on assets (ROA) | 0.5514% | 4,256 |
| Pretax return on assets | 0.5692% | 4,694 |
| Return on Equity (ROE) | 5.7011% | 3,956 |
| Retained earnings to average equity (ytd only) | 1.4864% | 5,204 |
| Net charge-offs to loans | 1.2342% | 1,656 |
| Credit loss provision to net charge-offs | 85.1744% | 4,955 |
| Earnings coverage of net charge-offs (x) | 1.5639% | 4,551 |
| Efficiency ratio | 70.5367% | 3,964 |
| Assets per employee ($millions) | 5.5383% | 1,596 |
| Cash dividends to net income (ytd only)* | 73.9285% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2435% | 1,713 |
| Loan loss allowance to noncurrent loans | 69.8452% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 2.2073% | 3,188 |
| Noncurrent loans to loans | 3.2120% | 2,474 |
| Net loans and leases to total assets | 56.1887% | 5,523 |
| Net loans and leases to deposits | 65.0099% | 5,787 |
| Net loans and leases to core deposits | 67.9730% | 5,944 |
| Total domestic deposits to total assets | 86.4309% | 2,834 |
| Equity capital to assets | 10.2227% | 3,850 |
| Core capital (leverage) ratio | 8.9623% | 4,748 |
| Tier 1 risk-based capital ratio | 13.6390% | 4,090 |
| Total risk-based capital ratio | 14.9022% | 4,031 |
| Memoranda: | ||
| Average total assets | $67,700,750 | 6,009 |
| Average earning assets | $63,352,500 | 5,937 |
| Average equity | $6,548,250 | 6,261 |
| Average total loans | $37,161,500 | 6,136 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1313% | 4,292 |
| Cost of funding earning assets | 1.5114% | 3,195 |
| Net interest margin | 3.6199% | 4,734 |
| Noninterest income to average assets | 0.3935% | 4,957 |
| Noninterest expense to average assets | 2.5340% | 5,594 |
| Loan and lease loss provision to assets | 0.7722% | 1,865 |
| Net operating income to assets | 0.4515% | 4,550 |
| Return on assets (ROA) | 0.5755% | 4,116 |
| Pretax return on assets | 0.5990% | 4,565 |
| Return on Equity (ROE) | 6.0622% | 3,776 |
| Retained earnings to average equity (ytd only) | 2.3816% | 4,645 |
| Net charge-offs to loans | 1.8688% | 995 |
| Credit loss provision to net charge-offs | 76.4535% | 4,803 |
| Earnings coverage of net charge-offs (x) | 1.2297% | 4,581 |
| Efficiency ratio | 67.1073% | 4,743 |
| Assets per employee ($millions) | 5.5645% | 1,565 |
| Cash dividends to net income (ytd only)* | 60.7143% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1876% | 1,786 |
| Loan loss allowance to noncurrent loans | 50.1820% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 3.0146% | 2,359 |
| Noncurrent loans to loans | 4.3593% | 1,694 |
| Net loans and leases to total assets | 55.3763% | 5,802 |
| Net loans and leases to deposits | 63.6152% | 6,073 |
| Net loans and leases to core deposits | 66.1698% | 6,233 |
| Total domestic deposits to total assets | 87.0489% | 2,503 |
| Equity capital to assets | 10.0353% | 3,977 |
| Core capital (leverage) ratio | 8.9000% | 4,750 |
| Tier 1 risk-based capital ratio | 13.7763% | 3,893 |
| Total risk-based capital ratio | 15.0400% | 3,848 |
| Memoranda: | ||
| Average total assets | $68,114,330 | 6,034 |
| Average earning assets | $63,649,000 | 5,968 |
| Average equity | $6,466,330 | 6,310 |
| Average total loans | $36,815,330 | 6,202 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0980% | 4,536 |
| Cost of funding earning assets | 1.5499% | 3,266 |
| Net interest margin | 3.5480% | 4,952 |
| Noninterest income to average assets | 0.4652% | 4,336 |
| Noninterest expense to average assets | 2.4831% | 5,792 |
| Loan and lease loss provision to assets | 0.8258% | 1,533 |
| Net operating income to assets | 0.4693% | 4,537 |
| Return on assets (ROA) | 0.8723% | 2,746 |
| Pretax return on assets | 0.8781% | 3,546 |
| Return on Equity (ROE) | 9.4503% | 2,318 |
| Retained earnings to average equity (ytd only) | 3.7171% | 3,923 |
| Net charge-offs to loans | -0.0330% | 7,222 |
| Credit loss provision to net charge-offs | -4,733.3333% | 6,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6923% | 5,186 |
| Assets per employee ($millions) | 5.5848% | 1,593 |
| Cash dividends to net income (ytd only)* | 60.6667% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9080% | 891 |
| Loan loss allowance to noncurrent loans | 76.8053% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 2.5903% | 2,816 |
| Noncurrent loans to loans | 3.7861% | 2,092 |
| Net loans and leases to total assets | 52.4605% | 6,221 |
| Net loans and leases to deposits | 59.8760% | 6,482 |
| Net loans and leases to core deposits | 62.2552% | 6,580 |
| Total domestic deposits to total assets | 87.6153% | 2,289 |
| Equity capital to assets | 9.5094% | 4,519 |
| Core capital (leverage) ratio | 8.7902% | 4,871 |
| Tier 1 risk-based capital ratio | 14.2087% | 3,530 |
| Total risk-based capital ratio | 15.4753% | 3,493 |
| Memoranda: | ||
| Average total assets | $68,784,500 | 6,078 |
| Average earning assets | $64,261,000 | 6,024 |
| Average equity | $6,349,000 | 6,399 |
| Average total loans | $36,321,000 | 6,293 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5973% | 3,626 |
| Cost of funding earning assets | 1.9473% | 3,228 |
| Net interest margin | 3.6500% | 4,353 |
| Noninterest income to average assets | 0.3407% | 5,648 |
| Noninterest expense to average assets | 2.4571% | 6,287 |
| Loan and lease loss provision to assets | 0.9208% | 2,435 |
| Net operating income to assets | 0.3438% | 4,357 |
| Return on assets (ROA) | 0.3438% | 4,449 |
| Pretax return on assets | 0.3745% | 4,568 |
| Return on Equity (ROE) | 3.6496% | 4,232 |
| Retained earnings to average equity (ytd only) | -0.6191% | 5,144 |
| Net charge-offs to loans | 0.2685% | 4,939 |
| Credit loss provision to net charge-offs | 606.0606% | 487 |
| Earnings coverage of net charge-offs (x) | 8.5253% | 1,928 |
| Efficiency ratio | 65.4806% | 5,491 |
| Assets per employee ($millions) | 5.8793% | 1,337 |
| Cash dividends to net income (ytd only)* | 116.9643% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4924% | 1,237 |
| Loan loss allowance to noncurrent loans | 81.1439% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 2.1034% | 3,269 |
| Noncurrent loans to loans | 3.0716% | 2,499 |
| Net loans and leases to total assets | 50.3508% | 6,598 |
| Net loans and leases to deposits | 57.0110% | 6,852 |
| Net loans and leases to core deposits | 78.5525% | 6,215 |
| Total domestic deposits to total assets | 88.3177% | 1,814 |
| Equity capital to assets | 8.9651% | 5,200 |
| Core capital (leverage) ratio | 9.0850% | 4,278 |
| Tier 1 risk-based capital ratio | 13.4795% | 3,836 |
| Total risk-based capital ratio | 14.7389% | 3,775 |
| Memoranda: | ||
| Average total assets | $65,158,600 | 6,162 |
| Average earning assets | $60,904,800 | 6,096 |
| Average equity | $6,137,600 | 6,557 |
| Average total loans | $36,874,200 | 6,254 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7602% | 3,062 |
| Cost of funding earning assets | 2.0630% | 3,060 |
| Net interest margin | 3.6973% | 4,085 |
| Noninterest income to average assets | 0.3510% | 5,681 |
| Noninterest expense to average assets | 2.5930% | 5,736 |
| Loan and lease loss provision to assets | 0.5015% | 3,384 |
| Net operating income to assets | 0.6895% | 3,247 |
| Return on assets (ROA) | 0.6895% | 3,303 |
| Pretax return on assets | 0.7167% | 3,799 |
| Return on Equity (ROE) | 7.2239% | 2,975 |
| Retained earnings to average equity (ytd only) | 1.4885% | 4,479 |
| Net charge-offs to loans | 0.3605% | 3,846 |
| Credit loss provision to net charge-offs | 240.0000% | 1,824 |
| Earnings coverage of net charge-offs (x) | 5.8300% | 2,724 |
| Efficiency ratio | 68.0373% | 4,966 |
| Assets per employee ($millions) | 5.1733% | 1,931 |
| Cash dividends to net income (ytd only)* | 79.3927% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 3,814 |
| Loan loss allowance to noncurrent loans | 47.0742% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 2.4324% | 2,831 |
| Noncurrent loans to loans | 3.0245% | 2,502 |
| Net loans and leases to total assets | 60.1153% | 5,567 |
| Net loans and leases to deposits | 69.4217% | 5,989 |
| Net loans and leases to core deposits | 100.1637% | 4,355 |
| Total domestic deposits to total assets | 86.5945% | 2,381 |
| Equity capital to assets | 10.3964% | 3,620 |
| Core capital (leverage) ratio | 9.4958% | 3,913 |
| Tier 1 risk-based capital ratio | 13.6281% | 3,764 |
| Total risk-based capital ratio | 14.8473% | 3,717 |
| Memoranda: | ||
| Average total assets | $63,810,500 | 6,253 |
| Average earning assets | $59,718,250 | 6,179 |
| Average equity | $6,090,750 | 6,631 |
| Average total loans | $36,985,000 | 6,290 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6296% | 3,917 |
| Cost of funding earning assets | 2.1219% | 3,179 |
| Net interest margin | 3.5077% | 4,763 |
| Noninterest income to average assets | 0.3603% | 5,632 |
| Noninterest expense to average assets | 2.5843% | 5,802 |
| Loan and lease loss provision to assets | 0.0621% | 6,592 |
| Net operating income to assets | 0.9691% | 2,212 |
| Return on assets (ROA) | 0.9691% | 2,316 |
| Pretax return on assets | 1.0002% | 3,011 |
| Return on Equity (ROE) | 10.4528% | 1,865 |
| Retained earnings to average equity (ytd only) | 6.4995% | 1,798 |
| Net charge-offs to loans | -0.2453% | 8,047 |
| Credit loss provision to net charge-offs | -44.4444% | 6,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8688% | 4,613 |
| Assets per employee ($millions) | 5.2658% | 1,795 |
| Cash dividends to net income (ytd only)* | 37.8205% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 4,985 |
| Loan loss allowance to noncurrent loans | 48.6884% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 1.5082% | 3,965 |
| Noncurrent loans to loans | 2.4541% | 2,943 |
| Net loans and leases to total assets | 60.7210% | 5,564 |
| Net loans and leases to deposits | 69.7061% | 6,016 |
| Net loans and leases to core deposits | 96.5088% | 4,844 |
| Total domestic deposits to total assets | 87.1101% | 2,190 |
| Equity capital to assets | 9.7913% | 4,225 |
| Core capital (leverage) ratio | 9.6617% | 3,683 |
| Tier 1 risk-based capital ratio | 13.6006% | 3,757 |
| Total risk-based capital ratio | 14.6509% | 3,811 |
| Memoranda: | ||
| Average total assets | $64,387,670 | 6,288 |
| Average earning assets | $60,323,670 | 6,211 |
| Average equity | $5,969,670 | 6,729 |
| Average total loans | $36,694,000 | 6,357 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5412% | 4,685 |
| Cost of funding earning assets | 2.1901% | 3,211 |
| Net interest margin | 3.3511% | 5,318 |
| Noninterest income to average assets | 0.3508% | 5,640 |
| Noninterest expense to average assets | 2.3697% | 6,295 |
| Loan and lease loss provision to assets | 0.0616% | 6,188 |
| Net operating income to assets | 1.0279% | 2,201 |
| Return on assets (ROA) | 1.0279% | 2,343 |
| Pretax return on assets | 1.0464% | 3,181 |
| Return on Equity (ROE) | 11.3974% | 1,849 |
| Retained earnings to average equity (ytd only) | 7.5755% | 1,991 |
| Net charge-offs to loans | -0.5053% | 8,106 |
| Credit loss provision to net charge-offs | -22.2222% | 6,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1416% | 4,937 |
| Assets per employee ($millions) | 5.3790% | 1,677 |
| Cash dividends to net income (ytd only)* | 33.5329% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 4,252 |
| Loan loss allowance to noncurrent loans | 44.3793% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 1.5849% | 3,549 |
| Noncurrent loans to loans | 2.8697% | 2,276 |
| Net loans and leases to total assets | 54.5238% | 6,409 |
| Net loans and leases to deposits | 62.0268% | 6,737 |
| Net loans and leases to core deposits | 83.6697% | 6,086 |
| Total domestic deposits to total assets | 87.9036% | 1,786 |
| Equity capital to assets | 9.0847% | 5,247 |
| Core capital (leverage) ratio | 9.3949% | 4,113 |
| Tier 1 risk-based capital ratio | 14.1138% | 3,516 |
| Total risk-based capital ratio | 15.1941% | 3,547 |
| Memoranda: | ||
| Average total assets | $64,987,000 | 6,292 |
| Average earning assets | $60,637,000 | 6,231 |
| Average equity | $5,861,000 | 6,825 |
| Average total loans | $35,624,500 | 6,459 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3654% | 3,605 |
| Cost of funding earning assets | 2.6877% | 3,220 |
| Net interest margin | 3.6777% | 4,566 |
| Noninterest income to average assets | 0.4152% | 5,343 |
| Noninterest expense to average assets | 2.4196% | 6,330 |
| Loan and lease loss provision to assets | 0.2736% | 4,209 |
| Net operating income to assets | 1.0912% | 2,180 |
| Return on assets (ROA) | 1.3188% | 1,386 |
| Pretax return on assets | 1.3808% | 2,025 |
| Return on Equity (ROE) | 14.4935% | 1,014 |
| Retained earnings to average equity (ytd only) | 7.8849% | 881 |
| Net charge-offs to loans | 0.4421% | 2,615 |
| Credit loss provision to net charge-offs | 109.5541% | 4,912 |
| Earnings coverage of net charge-offs (x) | 5.6752% | 3,569 |
| Efficiency ratio | 63.0597% | 5,764 |
| Assets per employee ($millions) | 5.4522% | 1,495 |
| Cash dividends to net income (ytd only)* | 45.5971% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,124 |
| Loan loss allowance to noncurrent loans | 44.6309% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 1.3664% | 3,467 |
| Noncurrent loans to loans | 2.5112% | 2,168 |
| Net loans and leases to total assets | 53.8043% | 6,677 |
| Net loans and leases to deposits | 61.0457% | 7,012 |
| Net loans and leases to core deposits | 76.5794% | 6,830 |
| Total domestic deposits to total assets | 88.1377% | 1,410 |
| Equity capital to assets | 8.9536% | 5,429 |
| Core capital (leverage) ratio | 9.5219% | 3,990 |
| Tier 1 risk-based capital ratio | 13.9423% | 3,573 |
| Total risk-based capital ratio | 14.8762% | 3,651 |
| Memoranda: | ||
| Average total assets | $62,861,200 | 6,286 |
| Average earning assets | $58,488,000 | 6,240 |
| Average equity | $5,719,800 | 6,909 |
| Average total loans | $35,508,400 | 6,392 |