Home > Tri-Valley Bank > Performance and Condition Ratios
Tri-Valley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 2,971 |
| Cost of funding earning assets | 0.5543% | 4,137 |
| Net interest margin | 4.0148% | 1,186 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 3.1489% | 883 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.5945% | 3,453 |
| Return on assets (ROA) | 0.6264% | 3,351 |
| Pretax return on assets | 0.7847% | 3,247 |
| Return on Equity (ROE) | 11.2500% | 2,158 |
| Retained earnings to average equity (ytd only) | 10.1433% | 980 |
| Net charge-offs to loans | 0.0073% | 2,404 |
| Credit loss provision to net charge-offs | 3,833.3333% | 133 |
| Earnings coverage of net charge-offs (x) | 236.6667% | 518 |
| Efficiency ratio | 76.9791% | 1,165 |
| Assets per employee ($millions) | 4.6924% | 3,837 |
| Cash dividends to net income (ytd only)* | 9.8563% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 2,322 |
| Loan loss allowance to noncurrent loans | 117.4946% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 954 |
| Noncurrent loans to loans | 1.0179% | 726 |
| Net loans and leases to total assets | 56.3400% | 3,162 |
| Net loans and leases to deposits | 61.3392% | 3,448 |
| Net loans and leases to core deposits | 66.1554% | 3,490 |
| Total domestic deposits to total assets | 91.8500% | 329 |
| Equity capital to assets | 6.2592% | 4,179 |
| Core capital (leverage) ratio | 9.8782% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $77,741,600 | 4,035 |
| Average earning assets | $73,602,600 | 3,997 |
| Average equity | $4,328,000 | 4,325 |
| Average total loans | $41,059,000 | 3,979 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 2,869 |
| Cost of funding earning assets | 0.4337% | 4,219 |
| Net interest margin | 4.0858% | 1,089 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 3.2092% | 809 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.5882% | 3,573 |
| Return on assets (ROA) | 0.6232% | 3,483 |
| Pretax return on assets | 0.7734% | 3,391 |
| Return on Equity (ROE) | 11.5700% | 2,232 |
| Retained earnings to average equity (ytd only) | 10.7965% | 1,191 |
| Net charge-offs to loans | 0.0100% | 2,026 |
| Credit loss provision to net charge-offs | 3,666.6667% | 135 |
| Earnings coverage of net charge-offs (x) | 182.6667% | 638 |
| Efficiency ratio | 76.6930% | 1,114 |
| Assets per employee ($millions) | 5.4879% | 3,186 |
| Cash dividends to net income (ytd only)* | 6.6482% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 2,060 |
| Loan loss allowance to noncurrent loans | 115.6652% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6065% | 971 |
| Noncurrent loans to loans | 1.0881% | 728 |
| Net loans and leases to total assets | 55.0400% | 3,281 |
| Net loans and leases to deposits | 58.4020% | 3,587 |
| Net loans and leases to core deposits | 65.8753% | 3,433 |
| Total domestic deposits to total assets | 94.2400% | 167 |
| Equity capital to assets | 5.4536% | 4,153 |
| Core capital (leverage) ratio | 10.2846% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $77,234,250 | 4,057 |
| Average earning assets | $73,161,500 | 4,014 |
| Average equity | $4,161,750 | 4,352 |
| Average total loans | $39,952,250 | 4,004 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4566% | 2,750 |
| Cost of funding earning assets | 0.2967% | 4,320 |
| Net interest margin | 4.1599% | 987 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 3.3476% | 651 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 0.5315% | 3,741 |
| Return on assets (ROA) | 0.5713% | 3,658 |
| Pretax return on assets | 0.7057% | 3,590 |
| Return on Equity (ROE) | 10.6400% | 2,521 |
| Retained earnings to average equity (ytd only) | 9.4886% | 1,547 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.1513% | 898 |
| Assets per employee ($millions) | 3.9378% | 4,206 |
| Cash dividends to net income (ytd only)* | 10.8597% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 2,376 |
| Loan loss allowance to noncurrent loans | 115.2225% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 1,005 |
| Noncurrent loans to loans | 1.0531% | 700 |
| Net loans and leases to total assets | 50.8600% | 3,497 |
| Net loans and leases to deposits | 54.0211% | 3,744 |
| Net loans and leases to core deposits | 59.3504% | 3,665 |
| Total domestic deposits to total assets | 94.1500% | 143 |
| Equity capital to assets | 5.5717% | 4,279 |
| Core capital (leverage) ratio | 9.9157% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $77,369,000 | 4,074 |
| Average earning assets | $73,464,000 | 4,035 |
| Average equity | $4,152,333 | 4,379 |
| Average total loans | $38,994,667 | 4,036 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 2,400 |
| Cost of funding earning assets | 0.2145% | 4,352 |
| Net interest margin | 4.2518% | 873 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 3.1353% | 883 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.7658% | 3,308 |
| Return on assets (ROA) | 0.8451% | 2,991 |
| Pretax return on assets | 1.0538% | 2,849 |
| Return on Equity (ROE) | 16.0600% | 1,345 |
| Retained earnings to average equity (ytd only) | 14.8717% | 816 |
| Net charge-offs to loans | 0.0209% | 1,256 |
| Credit loss provision to net charge-offs | 750.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 754 |
| Efficiency ratio | 73.1618% | 1,419 |
| Assets per employee ($millions) | 3.7496% | 4,346 |
| Cash dividends to net income (ytd only)* | 7.4074% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 2,740 |
| Loan loss allowance to noncurrent loans | 90.8163% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 814 |
| Noncurrent loans to loans | 1.2822% | 525 |
| Net loans and leases to total assets | 47.9700% | 3,632 |
| Net loans and leases to deposits | 50.9909% | 3,847 |
| Net loans and leases to core deposits | 54.1093% | 3,827 |
| Total domestic deposits to total assets | 94.0700% | 163 |
| Equity capital to assets | 5.6756% | 4,301 |
| Core capital (leverage) ratio | 9.2443% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $76,676,000 | 4,140 |
| Average earning assets | $72,722,500 | 4,099 |
| Average equity | $4,034,500 | 4,447 |
| Average total loans | $38,218,500 | 4,099 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4206% | 3,294 |
| Cost of funding earning assets | 0.1294% | 4,233 |
| Net interest margin | 3.2912% | 2,587 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.9480% | 1,049 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.2923% | 4,373 |
| Return on assets (ROA) | 0.2834% | 4,351 |
| Pretax return on assets | 0.3912% | 4,285 |
| Return on Equity (ROE) | 4.6600% | 4,071 |
| Retained earnings to average equity (ytd only) | 3.6737% | 3,508 |
| Net charge-offs to loans | 1.5743% | 45 |
| Credit loss provision to net charge-offs | 9.1388% | 1,959 |
| Earnings coverage of net charge-offs (x) | 0.6555% | 2,556 |
| Efficiency ratio | 85.6828% | 431 |
| Assets per employee ($millions) | 3.5529% | 4,423 |
| Cash dividends to net income (ytd only)* | 21.2389% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 2,791 |
| Loan loss allowance to noncurrent loans | 99.0741% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 868 |
| Noncurrent loans to loans | 1.1303% | 634 |
| Net loans and leases to total assets | 50.6500% | 3,460 |
| Net loans and leases to deposits | 55.0060% | 3,631 |
| Net loans and leases to core deposits | 57.3595% | 3,652 |
| Total domestic deposits to total assets | 92.0900% | 618 |
| Equity capital to assets | 4.8250% | 4,404 |
| Core capital (leverage) ratio | 9.7120% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $79,747,800 | 4,138 |
| Average earning assets | $75,747,000 | 4,092 |
| Average equity | $4,845,200 | 4,446 |
| Average total loans | $36,142,200 | 4,133 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2356% | 3,344 |
| Cost of funding earning assets | 0.1349% | 3,990 |
| Net interest margin | 3.1007% | 2,938 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.7774% | 1,292 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.2783% | 4,404 |
| Return on assets (ROA) | 0.2666% | 4,381 |
| Pretax return on assets | 0.3850% | 4,280 |
| Return on Equity (ROE) | 4.1900% | 4,121 |
| Retained earnings to average equity (ytd only) | 3.5682% | 3,597 |
| Net charge-offs to loans | 0.6662% | 88 |
| Credit loss provision to net charge-offs | 22.4719% | 1,620 |
| Earnings coverage of net charge-offs (x) | 1.5899% | 2,272 |
| Efficiency ratio | 84.9822% | 496 |
| Assets per employee ($millions) | 3.6201% | 4,455 |
| Cash dividends to net income (ytd only)* | 14.8148% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1577% | 373 |
| Loan loss allowance to noncurrent loans | 71.7972% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.4785% | 231 |
| Noncurrent loans to loans | 3.0053% | 157 |
| Net loans and leases to total assets | 48.1400% | 3,618 |
| Net loans and leases to deposits | 50.1157% | 3,848 |
| Net loans and leases to core deposits | 51.6573% | 3,873 |
| Total domestic deposits to total assets | 96.0500% | 125 |
| Equity capital to assets | 3.9067% | 4,483 |
| Core capital (leverage) ratio | 8.9479% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5927% | 1,262 |
| Memoranda: | ||
| Average total assets | $81,032,000 | 4,146 |
| Average earning assets | $77,099,250 | 4,102 |
| Average equity | $5,156,500 | 4,452 |
| Average total loans | $35,622,500 | 4,162 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0076% | 3,542 |
| Cost of funding earning assets | 0.1472% | 3,613 |
| Net interest margin | 2.8603% | 3,265 |
| Noninterest income to average assets | 0.2781% | 3,504 |
| Noninterest expense to average assets | 2.6892% | 1,416 |
| Loan and lease loss provision to assets | 0.0677% | 1,401 |
| Net operating income to assets | 0.1260% | 4,493 |
| Return on assets (ROA) | 0.1088% | 4,472 |
| Pretax return on assets | 0.2249% | 4,382 |
| Return on Equity (ROE) | 1.5292% | 4,402 |
| Retained earnings to average equity (ytd only) | 0.7136% | 4,053 |
| Net charge-offs to loans | 0.9363% | 69 |
| Credit loss provision to net charge-offs | 17.0732% | 1,614 |
| Earnings coverage of net charge-offs (x) | 0.7927% | 2,091 |
| Efficiency ratio | 88.8889% | 460 |
| Assets per employee ($millions) | 4.3713% | 4,164 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3206% | 318 |
| Loan loss allowance to noncurrent loans | 75.5369% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.2895% | 310 |
| Noncurrent loans to loans | 3.0722% | 160 |
| Net loans and leases to total assets | 40.9993% | 4,032 |
| Net loans and leases to deposits | 43.1989% | 4,150 |
| Net loans and leases to core deposits | 44.9888% | 4,155 |
| Total domestic deposits to total assets | 94.9082% | 150 |
| Equity capital to assets | 5.0545% | 4,463 |
| Core capital (leverage) ratio | 8.4960% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,701,667 | 4,166 |
| Average earning assets | $78,801,667 | 4,132 |
| Average equity | $5,885,333 | 4,427 |
| Average total loans | $35,029,667 | 4,232 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8771% | 3,589 |
| Cost of funding earning assets | 0.1734% | 3,175 |
| Net interest margin | 2.7037% | 3,391 |
| Noninterest income to average assets | 0.2811% | 3,448 |
| Noninterest expense to average assets | 2.5689% | 1,698 |
| Loan and lease loss provision to assets | 0.0582% | 1,353 |
| Net operating income to assets | 0.2071% | 4,321 |
| Return on assets (ROA) | 0.1890% | 4,316 |
| Pretax return on assets | 0.2036% | 4,324 |
| Return on Equity (ROE) | 2.3183% | 4,212 |
| Retained earnings to average equity (ytd only) | 0.8917% | 3,848 |
| Net charge-offs to loans | -0.2506% | 4,635 |
| Credit loss provision to net charge-offs | -54.5455% | 2,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4558% | 576 |
| Assets per employee ($millions) | 4.9918% | 3,760 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8278% | 184 |
| Loan loss allowance to noncurrent loans | 71.8796% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.5158% | 237 |
| Noncurrent loans to loans | 3.9341% | 103 |
| Net loans and leases to total assets | 37.4405% | 4,140 |
| Net loans and leases to deposits | 40.0674% | 4,247 |
| Net loans and leases to core deposits | 42.0376% | 4,235 |
| Total domestic deposits to total assets | 93.4437% | 178 |
| Equity capital to assets | 6.5263% | 4,419 |
| Core capital (leverage) ratio | 8.4989% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,525,000 | 4,187 |
| Average earning assets | $78,411,500 | 4,159 |
| Average equity | $6,729,000 | 4,389 |
| Average total loans | $35,114,000 | 4,246 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3740% | 2,995 |
| Cost of funding earning assets | 0.2886% | 2,519 |
| Net interest margin | 3.0854% | 2,955 |
| Noninterest income to average assets | 0.3946% | 3,078 |
| Noninterest expense to average assets | 2.9673% | 1,036 |
| Loan and lease loss provision to assets | 0.0636% | 1,801 |
| Net operating income to assets | 0.2435% | 4,488 |
| Return on assets (ROA) | 0.2688% | 4,479 |
| Pretax return on assets | 0.3244% | 4,469 |
| Return on Equity (ROE) | 2.6601% | 4,419 |
| Retained earnings to average equity (ytd only) | 2.6601% | 3,777 |
| Net charge-offs to loans | 0.0787% | 1,012 |
| Credit loss provision to net charge-offs | 171.4286% | 1,403 |
| Earnings coverage of net charge-offs (x) | 9.6429% | 2,253 |
| Efficiency ratio | 88.5703% | 368 |
| Assets per employee ($millions) | 4.1777% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6539% | 228 |
| Loan loss allowance to noncurrent loans | 74.8219% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.6796% | 227 |
| Noncurrent loans to loans | 3.5470% | 142 |
| Net loans and leases to total assets | 46.0956% | 3,684 |
| Net loans and leases to deposits | 51.3731% | 3,776 |
| Net loans and leases to core deposits | 55.4005% | 3,671 |
| Total domestic deposits to total assets | 89.7271% | 1,094 |
| Equity capital to assets | 10.0987% | 2,557 |
| Core capital (leverage) ratio | 9.4969% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,523,800 | 4,272 |
| Average earning assets | $71,725,600 | 4,239 |
| Average equity | $7,631,400 | 4,363 |
| Average total loans | $35,585,600 | 4,278 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4682% | 2,929 |
| Cost of funding earning assets | 0.3124% | 2,476 |
| Net interest margin | 3.1558% | 2,875 |
| Noninterest income to average assets | 0.3827% | 3,192 |
| Noninterest expense to average assets | 2.9980% | 977 |
| Loan and lease loss provision to assets | 0.0635% | 1,728 |
| Net operating income to assets | 0.2304% | 4,598 |
| Return on assets (ROA) | 0.2345% | 4,617 |
| Pretax return on assets | 0.3192% | 4,576 |
| Return on Equity (ROE) | 2.3208% | 4,549 |
| Retained earnings to average equity (ytd only) | 2.3208% | 4,106 |
| Net charge-offs to loans | 0.0075% | 2,041 |
| Credit loss provision to net charge-offs | 1,800.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 840 |
| Efficiency ratio | 88.1400% | 371 |
| Assets per employee ($millions) | 4.4055% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8494% | 183 |
| Loan loss allowance to noncurrent loans | 110.2299% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.1616% | 521 |
| Noncurrent loans to loans | 2.5850% | 280 |
| Net loans and leases to total assets | 43.6577% | 3,979 |
| Net loans and leases to deposits | 48.6831% | 4,085 |
| Net loans and leases to core deposits | 52.7899% | 3,994 |
| Total domestic deposits to total assets | 89.6774% | 926 |
| Equity capital to assets | 10.2598% | 2,647 |
| Core capital (leverage) ratio | 9.2985% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,605,250 | 4,326 |
| Average earning assets | $71,697,500 | 4,292 |
| Average equity | $7,640,750 | 4,427 |
| Average total loans | $35,580,000 | 4,332 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3938% | 3,199 |
| Cost of funding earning assets | 0.3458% | 2,350 |
| Net interest margin | 3.0480% | 3,182 |
| Noninterest income to average assets | 0.3402% | 3,404 |
| Noninterest expense to average assets | 2.9324% | 1,096 |
| Loan and lease loss provision to assets | 0.0633% | 1,778 |
| Net operating income to assets | 0.1757% | 4,652 |
| Return on assets (ROA) | 0.1820% | 4,665 |
| Pretax return on assets | 0.2347% | 4,646 |
| Return on Equity (ROE) | 1.8095% | 4,614 |
| Retained earnings to average equity (ytd only) | 1.8095% | 4,160 |
| Net charge-offs to loans | 0.0110% | 1,742 |
| Credit loss provision to net charge-offs | 1,200.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 1,017 |
| Efficiency ratio | 90.3437% | 334 |
| Assets per employee ($millions) | 4.1883% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8543% | 179 |
| Loan loss allowance to noncurrent loans | 104.1804% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.1423% | 621 |
| Noncurrent loans to loans | 2.7398% | 282 |
| Net loans and leases to total assets | 40.5029% | 4,271 |
| Net loans and leases to deposits | 44.8381% | 4,359 |
| Net loans and leases to core deposits | 48.1880% | 4,317 |
| Total domestic deposits to total assets | 90.3314% | 634 |
| Equity capital to assets | 9.6133% | 3,238 |
| Core capital (leverage) ratio | 9.1017% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,842,333 | 4,350 |
| Average earning assets | $71,719,333 | 4,320 |
| Average equity | $7,626,333 | 4,455 |
| Average total loans | $36,221,333 | 4,355 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3045% | 3,437 |
| Cost of funding earning assets | 0.3901% | 2,176 |
| Net interest margin | 2.9143% | 3,479 |
| Noninterest income to average assets | 0.3136% | 3,528 |
| Noninterest expense to average assets | 2.8496% | 1,256 |
| Loan and lease loss provision to assets | 0.0649% | 1,841 |
| Net operating income to assets | 0.1116% | 4,705 |
| Return on assets (ROA) | 0.1244% | 4,711 |
| Pretax return on assets | 0.1622% | 4,694 |
| Return on Equity (ROE) | 1.2082% | 4,692 |
| Retained earnings to average equity (ytd only) | 1.2082% | 4,177 |
| Net charge-offs to loans | 0.1696% | 477 |
| Credit loss provision to net charge-offs | 75.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 2.4375% | 1,807 |
| Efficiency ratio | 92.4028% | 316 |
| Assets per employee ($millions) | 4.2999% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5200% | 253 |
| Loan loss allowance to noncurrent loans | 100.9868% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 567 |
| Noncurrent loans to loans | 2.4954% | 371 |
| Net loans and leases to total assets | 46.0296% | 3,955 |
| Net loans and leases to deposits | 51.0701% | 4,102 |
| Net loans and leases to core deposits | 54.6663% | 4,067 |
| Total domestic deposits to total assets | 90.1302% | 761 |
| Equity capital to assets | 9.8168% | 2,882 |
| Core capital (leverage) ratio | 9.5776% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,975,000 | 4,389 |
| Average earning assets | $69,724,000 | 4,359 |
| Average equity | $7,614,500 | 4,470 |
| Average total loans | $37,743,000 | 4,344 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 1,880 |
| Cost of funding earning assets | 0.5411% | 2,669 |
| Net interest margin | 3.7568% | 1,625 |
| Noninterest income to average assets | 0.4074% | 3,054 |
| Noninterest expense to average assets | 3.0998% | 1,233 |
| Loan and lease loss provision to assets | 0.9526% | 111 |
| Net operating income to assets | -0.0659% | 4,768 |
| Return on assets (ROA) | -0.0720% | 4,799 |
| Pretax return on assets | -0.1332% | 4,804 |
| Return on Equity (ROE) | -0.6087% | 4,802 |
| Retained earnings to average equity (ytd only) | -0.9195% | 4,631 |
| Net charge-offs to loans | 0.0654% | 1,846 |
| Credit loss provision to net charge-offs | 2,303.7037% | 397 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,954 |
| Efficiency ratio | 77.6131% | 1,066 |
| Assets per employee ($millions) | 4.1501% | 4,258 |
| Cash dividends to net income (ytd only)* | -51.0638% | 4,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3755% | 308 |
| Loan loss allowance to noncurrent loans | 107.3086% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 700 |
| Noncurrent loans to loans | 2.2137% | 486 |
| Net loans and leases to total assets | 53.8808% | 3,496 |
| Net loans and leases to deposits | 60.4596% | 3,721 |
| Net loans and leases to core deposits | 65.3577% | 3,596 |
| Total domestic deposits to total assets | 89.1187% | 935 |
| Equity capital to assets | 10.8161% | 2,417 |
| Core capital (leverage) ratio | 10.2197% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,295,400 | 4,441 |
| Average earning assets | $61,169,800 | 4,428 |
| Average equity | $7,721,400 | 4,452 |
| Average total loans | $41,257,200 | 4,283 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 2,118 |
| Cost of funding earning assets | 0.5717% | 2,791 |
| Net interest margin | 3.7216% | 1,875 |
| Noninterest income to average assets | 0.3563% | 3,325 |
| Noninterest expense to average assets | 3.0946% | 1,247 |
| Loan and lease loss provision to assets | 0.3360% | 1,151 |
| Net operating income to assets | 0.3037% | 4,444 |
| Return on assets (ROA) | 0.2938% | 4,502 |
| Pretax return on assets | 0.4001% | 4,430 |
| Return on Equity (ROE) | 2.4276% | 4,489 |
| Retained earnings to average equity (ytd only) | 2.4276% | 3,774 |
| Net charge-offs to loans | 0.0988% | 1,323 |
| Credit loss provision to net charge-offs | 519.3548% | 1,260 |
| Earnings coverage of net charge-offs (x) | 11.5806% | 2,294 |
| Efficiency ratio | 79.0130% | 939 |
| Assets per employee ($millions) | 3.7005% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 3,347 |
| Loan loss allowance to noncurrent loans | 54.9582% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.2566% | 769 |
| Noncurrent loans to loans | 1.9526% | 625 |
| Net loans and leases to total assets | 63.6641% | 2,805 |
| Net loans and leases to deposits | 72.2628% | 3,110 |
| Net loans and leases to core deposits | 77.1018% | 3,085 |
| Total domestic deposits to total assets | 88.1007% | 1,176 |
| Equity capital to assets | 11.8062% | 1,796 |
| Core capital (leverage) ratio | 11.0345% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,981,250 | 4,473 |
| Average earning assets | $59,937,250 | 4,460 |
| Average equity | $7,744,000 | 4,474 |
| Average total loans | $41,836,750 | 4,305 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 2,270 |
| Cost of funding earning assets | 0.5997% | 2,965 |
| Net interest margin | 3.7745% | 1,902 |
| Noninterest income to average assets | 0.2916% | 3,721 |
| Noninterest expense to average assets | 3.0806% | 1,402 |
| Loan and lease loss provision to assets | 0.2345% | 1,801 |
| Net operating income to assets | 0.3661% | 4,301 |
| Return on assets (ROA) | 0.3486% | 4,392 |
| Pretax return on assets | 0.4849% | 4,276 |
| Return on Equity (ROE) | 2.8557% | 4,379 |
| Retained earnings to average equity (ytd only) | 2.8557% | 3,444 |
| Net charge-offs to loans | 0.1591% | 931 |
| Credit loss provision to net charge-offs | 224.2424% | 1,824 |
| Earnings coverage of net charge-offs (x) | 7.0909% | 2,395 |
| Efficiency ratio | 79.1045% | 952 |
| Assets per employee ($millions) | 4.1880% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8368% | 4,235 |
| Loan loss allowance to noncurrent loans | 39.0526% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.4177% | 679 |
| Noncurrent loans to loans | 2.1427% | 596 |
| Net loans and leases to total assets | 65.6116% | 2,683 |
| Net loans and leases to deposits | 74.4337% | 3,033 |
| Net loans and leases to core deposits | 80.3601% | 2,916 |
| Total domestic deposits to total assets | 88.1477% | 1,110 |
| Equity capital to assets | 11.7493% | 1,803 |
| Core capital (leverage) ratio | 11.3497% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4304% | 1,379 |
| Memoranda: | ||
| Average total assets | $63,105,333 | 4,493 |
| Average earning assets | $59,027,333 | 4,479 |
| Average equity | $7,704,000 | 4,497 |
| Average total loans | $41,493,667 | 4,325 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 2,289 |
| Cost of funding earning assets | 0.6424% | 3,207 |
| Net interest margin | 3.8683% | 1,766 |
| Noninterest income to average assets | 0.2747% | 3,885 |
| Noninterest expense to average assets | 3.1985% | 1,426 |
| Loan and lease loss provision to assets | 0.0785% | 2,734 |
| Net operating income to assets | 0.4507% | 4,014 |
| Return on assets (ROA) | 0.3990% | 4,174 |
| Pretax return on assets | 0.5560% | 4,017 |
| Return on Equity (ROE) | 3.2023% | 4,164 |
| Retained earnings to average equity (ytd only) | 3.2023% | 2,998 |
| Net charge-offs to loans | 0.4492% | 322 |
| Credit loss provision to net charge-offs | 26.6667% | 2,171 |
| Earnings coverage of net charge-offs (x) | 2.3778% | 2,294 |
| Efficiency ratio | 80.5369% | 1,089 |
| Assets per employee ($millions) | 3.4120% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7200% | 4,576 |
| Loan loss allowance to noncurrent loans | 154.6875% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 3,187 |
| Noncurrent loans to loans | 0.4654% | 2,855 |
| Net loans and leases to total assets | 66.6846% | 2,735 |
| Net loans and leases to deposits | 76.2947% | 3,044 |
| Net loans and leases to core deposits | 82.9973% | 2,934 |
| Total domestic deposits to total assets | 87.4039% | 1,380 |
| Equity capital to assets | 12.4951% | 1,736 |
| Core capital (leverage) ratio | 12.0637% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1630% | 1,124 |
| Memoranda: | ||
| Average total assets | $61,154,000 | 4,542 |
| Average earning assets | $57,286,000 | 4,523 |
| Average equity | $7,619,500 | 4,535 |
| Average total loans | $40,072,500 | 4,376 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 2,389 |
| Cost of funding earning assets | 0.6490% | 3,416 |
| Net interest margin | 4.0301% | 1,749 |
| Noninterest income to average assets | 0.3784% | 3,437 |
| Noninterest expense to average assets | 3.3837% | 1,145 |
| Loan and lease loss provision to assets | 0.0676% | 2,663 |
| Net operating income to assets | 0.6023% | 4,153 |
| Return on assets (ROA) | 0.6149% | 4,176 |
| Pretax return on assets | 0.7399% | 4,112 |
| Return on Equity (ROE) | 5.0026% | 4,206 |
| Retained earnings to average equity (ytd only) | 4.6728% | 2,602 |
| Net charge-offs to loans | 0.0253% | 2,890 |
| Credit loss provision to net charge-offs | 400.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 46.9000% | 1,183 |
| Efficiency ratio | 79.5307% | 979 |
| Assets per employee ($millions) | 3.5819% | 4,388 |
| Cash dividends to net income (ytd only)* | 6.5934% | 3,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8511% | 4,151 |
| Loan loss allowance to noncurrent loans | 1,324.0000% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 4,433 |
| Noncurrent loans to loans | 0.0643% | 4,283 |
| Net loans and leases to total assets | 63.3285% | 3,273 |
| Net loans and leases to deposits | 72.4033% | 3,487 |
| Net loans and leases to core deposits | 78.0734% | 3,444 |
| Total domestic deposits to total assets | 87.4663% | 1,380 |
| Equity capital to assets | 12.4236% | 1,869 |
| Core capital (leverage) ratio | 11.9735% | 1,800 |
| Tier 1 risk-based capital ratio | 17.5379% | 1,884 |
| Total risk-based capital ratio | 18.3397% | 1,959 |
| Memoranda: | ||
| Average total assets | $59,195,600 | 4,611 |
| Average earning assets | $55,780,600 | 4,589 |
| Average equity | $7,276,200 | 4,607 |
| Average total loans | $39,530,800 | 4,412 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7234% | 2,350 |
| Cost of funding earning assets | 0.6442% | 3,477 |
| Net interest margin | 4.0792% | 1,675 |
| Noninterest income to average assets | 0.3993% | 3,326 |
| Noninterest expense to average assets | 3.3780% | 1,127 |
| Loan and lease loss provision to assets | 0.0703% | 2,471 |
| Net operating income to assets | 0.5626% | 4,382 |
| Return on assets (ROA) | 0.5626% | 4,430 |
| Pretax return on assets | 0.8008% | 4,114 |
| Return on Equity (ROE) | 4.5900% | 4,457 |
| Retained earnings to average equity (ytd only) | 4.5900% | 3,109 |
| Net charge-offs to loans | 0.0302% | 2,468 |
| Credit loss provision to net charge-offs | 344.4444% | 870 |
| Earnings coverage of net charge-offs (x) | 42.6658% | 1,313 |
| Efficiency ratio | 78.0032% | 1,106 |
| Assets per employee ($millions) | 3.7406% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8132% | 4,377 |
| Loan loss allowance to noncurrent loans | 1,242.3077% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 4,498 |
| Noncurrent loans to loans | 0.0655% | 4,345 |
| Net loans and leases to total assets | 65.8296% | 3,067 |
| Net loans and leases to deposits | 75.3673% | 3,358 |
| Net loans and leases to core deposits | 82.1155% | 3,238 |
| Total domestic deposits to total assets | 87.3450% | 1,348 |
| Equity capital to assets | 12.5397% | 1,885 |
| Core capital (leverage) ratio | 11.8448% | 1,965 |
| Tier 1 risk-based capital ratio | 16.9466% | 2,100 |
| Total risk-based capital ratio | 17.7106% | 2,215 |
| Memoranda: | ||
| Average total assets | $58,771,500 | 4,679 |
| Average earning assets | $55,467,250 | 4,658 |
| Average equity | $7,204,000 | 4,669 |
| Average total loans | $39,690,250 | 4,469 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 2,939 |
| Cost of funding earning assets | 0.6281% | 3,514 |
| Net interest margin | 3.8950% | 2,252 |
| Noninterest income to average assets | 0.4006% | 3,269 |
| Noninterest expense to average assets | 3.3521% | 1,190 |
| Loan and lease loss provision to assets | 0.0616% | 2,590 |
| Net operating income to assets | 0.4896% | 4,545 |
| Return on assets (ROA) | 0.4896% | 4,580 |
| Pretax return on assets | 0.6814% | 4,375 |
| Return on Equity (ROE) | 4.0261% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.0261% | 3,237 |
| Net charge-offs to loans | 0.0605% | 1,778 |
| Credit loss provision to net charge-offs | 150.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 18.0833% | 1,870 |
| Efficiency ratio | 80.3512% | 942 |
| Assets per employee ($millions) | 3.4866% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 4,609 |
| Loan loss allowance to noncurrent loans | 902.9412% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 4,471 |
| Noncurrent loans to loans | 0.0827% | 4,306 |
| Net loans and leases to total assets | 68.8155% | 2,703 |
| Net loans and leases to deposits | 80.9691% | 2,846 |
| Net loans and leases to core deposits | 85.5797% | 2,988 |
| Total domestic deposits to total assets | 84.9898% | 2,486 |
| Equity capital to assets | 12.3766% | 1,924 |
| Core capital (leverage) ratio | 12.3149% | 1,627 |
| Tier 1 risk-based capital ratio | 16.8527% | 2,131 |
| Total risk-based capital ratio | 17.5638% | 2,247 |
| Memoranda: | ||
| Average total assets | $58,412,000 | 4,720 |
| Average earning assets | $55,404,330 | 4,694 |
| Average equity | $7,103,670 | 4,709 |
| Average total loans | $39,679,670 | 4,506 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 3,330 |
| Cost of funding earning assets | 0.5392% | 3,871 |
| Net interest margin | 3.8330% | 2,408 |
| Noninterest income to average assets | 0.4346% | 2,947 |
| Noninterest expense to average assets | 3.4908% | 975 |
| Loan and lease loss provision to assets | 0.0621% | 2,412 |
| Net operating income to assets | 0.3794% | 4,769 |
| Return on assets (ROA) | 0.3794% | 4,781 |
| Pretax return on assets | 0.5105% | 4,656 |
| Return on Equity (ROE) | 3.1485% | 4,759 |
| Retained earnings to average equity (ytd only) | 3.1485% | 3,679 |
| Net charge-offs to loans | 0.0103% | 2,322 |
| Credit loss provision to net charge-offs | 900.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 748 |
| Efficiency ratio | 84.3803% | 685 |
| Assets per employee ($millions) | 3.2181% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7750% | 4,589 |
| Loan loss allowance to noncurrent loans | 93.5976% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 2,371 |
| Noncurrent loans to loans | 0.8280% | 1,986 |
| Net loans and leases to total assets | 67.8538% | 2,772 |
| Net loans and leases to deposits | 83.1482% | 2,489 |
| Net loans and leases to core deposits | 90.0046% | 2,503 |
| Total domestic deposits to total assets | 81.6058% | 3,831 |
| Equity capital to assets | 12.2656% | 1,866 |
| Core capital (leverage) ratio | 12.4950% | 1,521 |
| Tier 1 risk-based capital ratio | 17.2120% | 2,047 |
| Total risk-based capital ratio | 17.9480% | 2,155 |
| Memoranda: | ||
| Average total assets | $57,981,500 | 4,777 |
| Average earning assets | $54,891,500 | 4,752 |
| Average equity | $6,987,500 | 4,757 |
| Average total loans | $38,971,500 | 4,571 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3038% | 3,101 |
| Cost of funding earning assets | 0.3467% | 4,300 |
| Net interest margin | 3.9570% | 2,134 |
| Noninterest income to average assets | 0.2892% | 4,170 |
| Noninterest expense to average assets | 3.7013% | 769 |
| Loan and lease loss provision to assets | 0.0673% | 2,805 |
| Net operating income to assets | 0.2279% | 5,081 |
| Return on assets (ROA) | 0.2169% | 5,087 |
| Pretax return on assets | 0.2321% | 5,098 |
| Return on Equity (ROE) | 1.8954% | 5,057 |
| Retained earnings to average equity (ytd only) | 1.8954% | 4,391 |
| Net charge-offs to loans | 0.0182% | 3,092 |
| Credit loss provision to net charge-offs | 571.4286% | 615 |
| Earnings coverage of net charge-offs (x) | 26.4286% | 1,723 |
| Efficiency ratio | 90.6957% | 317 |
| Assets per employee ($millions) | 3.2243% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 4,595 |
| Loan loss allowance to noncurrent loans | 90.0901% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5738% | 2,324 |
| Noncurrent loans to loans | 0.8687% | 1,855 |
| Net loans and leases to total assets | 65.5289% | 3,198 |
| Net loans and leases to deposits | 82.6923% | 2,653 |
| Net loans and leases to core deposits | 88.3497% | 2,726 |
| Total domestic deposits to total assets | 79.2443% | 4,258 |
| Equity capital to assets | 11.8373% | 2,006 |
| Core capital (leverage) ratio | 12.1718% | 1,625 |
| Tier 1 risk-based capital ratio | 17.2367% | 1,982 |
| Total risk-based capital ratio | 17.9634% | 2,111 |
| Memoranda: | ||
| Average total assets | $59,465,600 | 4,769 |
| Average earning assets | $55,951,200 | 4,750 |
| Average equity | $6,806,000 | 4,774 |
| Average total loans | $38,466,200 | 4,601 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 3,295 |
| Cost of funding earning assets | 0.2510% | 4,778 |
| Net interest margin | 3.9568% | 2,100 |
| Noninterest income to average assets | 0.2853% | 4,245 |
| Noninterest expense to average assets | 3.7020% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2559% | 5,146 |
| Return on assets (ROA) | 0.2429% | 5,154 |
| Pretax return on assets | 0.2920% | 5,144 |
| Return on Equity (ROE) | 2.1404% | 5,115 |
| Retained earnings to average equity (ytd only) | 2.1404% | 4,524 |
| Net charge-offs to loans | 0.0242% | 2,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 19.7213% | 1,986 |
| Efficiency ratio | 90.7727% | 305 |
| Assets per employee ($millions) | 2.9675% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6575% | 4,954 |
| Loan loss allowance to noncurrent loans | 86.0927% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 2,555 |
| Noncurrent loans to loans | 0.7637% | 2,178 |
| Net loans and leases to total assets | 66.1921% | 3,155 |
| Net loans and leases to deposits | 84.7335% | 2,511 |
| Net loans and leases to core deposits | 89.9753% | 2,663 |
| Total domestic deposits to total assets | 78.1179% | 4,471 |
| Equity capital to assets | 11.3446% | 2,364 |
| Core capital (leverage) ratio | 12.0010% | 1,786 |
| Tier 1 risk-based capital ratio | 17.0271% | 2,105 |
| Total risk-based capital ratio | 17.6519% | 2,242 |
| Memoranda: | ||
| Average total assets | $59,822,750 | 4,820 |
| Average earning assets | $56,306,500 | 4,793 |
| Average equity | $6,790,000 | 4,827 |
| Average total loans | $38,500,000 | 4,646 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 3,334 |
| Cost of funding earning assets | 0.2056% | 5,002 |
| Net interest margin | 3.9277% | 2,117 |
| Noninterest income to average assets | 0.3468% | 3,852 |
| Noninterest expense to average assets | 3.6145% | 854 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3319% | 5,075 |
| Return on assets (ROA) | 0.3134% | 5,096 |
| Pretax return on assets | 0.4035% | 5,043 |
| Return on Equity (ROE) | 2.7611% | 5,058 |
| Retained earnings to average equity (ytd only) | 2.7611% | 4,145 |
| Net charge-offs to loans | -0.0524% | 4,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9538% | 470 |
| Assets per employee ($millions) | 3.1149% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 4,916 |
| Loan loss allowance to noncurrent loans | 88.7821% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 1,805 |
| Noncurrent loans to loans | 0.8036% | 2,122 |
| Net loans and leases to total assets | 65.1336% | 3,257 |
| Net loans and leases to deposits | 80.8117% | 2,871 |
| Net loans and leases to core deposits | 81.9351% | 3,246 |
| Total domestic deposits to total assets | 80.5992% | 4,103 |
| Equity capital to assets | 11.4577% | 2,231 |
| Core capital (leverage) ratio | 11.7535% | 1,868 |
| Tier 1 risk-based capital ratio | 17.0869% | 2,072 |
| Total risk-based capital ratio | 17.7571% | 2,200 |
| Memoranda: | ||
| Average total assets | $59,980,330 | 4,871 |
| Average earning assets | $56,420,330 | 4,850 |
| Average equity | $6,809,000 | 4,878 |
| Average total loans | $38,151,670 | 4,697 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 3,586 |
| Cost of funding earning assets | 0.1272% | 5,366 |
| Net interest margin | 3.8794% | 2,124 |
| Noninterest income to average assets | 0.2915% | 4,215 |
| Noninterest expense to average assets | 3.8093% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1656% | 5,278 |
| Return on assets (ROA) | 0.1192% | 5,316 |
| Pretax return on assets | 0.0729% | 5,347 |
| Return on Equity (ROE) | 1.0553% | 5,304 |
| Retained earnings to average equity (ytd only) | 1.0553% | 4,619 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4469% | 265 |
| Assets per employee ($millions) | 3.2154% | 4,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6936% | 5,043 |
| Loan loss allowance to noncurrent loans | 62.5293% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9903% | 1,587 |
| Noncurrent loans to loans | 1.1092% | 1,653 |
| Net loans and leases to total assets | 62.5751% | 3,478 |
| Net loans and leases to deposits | 75.8151% | 3,236 |
| Net loans and leases to core deposits | 80.8087% | 3,261 |
| Total domestic deposits to total assets | 82.5365% | 3,803 |
| Equity capital to assets | 11.0340% | 2,547 |
| Core capital (leverage) ratio | 11.5245% | 1,992 |
| Tier 1 risk-based capital ratio | 16.8494% | 2,160 |
| Total risk-based capital ratio | 17.4943% | 2,329 |
| Memoranda: | ||
| Average total assets | $60,379,000 | 4,920 |
| Average earning assets | $56,606,000 | 4,898 |
| Average equity | $6,823,000 | 4,926 |
| Average total loans | $37,815,000 | 4,755 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 4,492 |
| Cost of funding earning assets | 0.1537% | 5,240 |
| Net interest margin | 3.4807% | 3,591 |
| Noninterest income to average assets | 0.3037% | 4,287 |
| Noninterest expense to average assets | 3.3927% | 1,211 |
| Loan and lease loss provision to assets | 0.0164% | 3,966 |
| Net operating income to assets | 0.1792% | 5,147 |
| Return on assets (ROA) | -1.3722% | 5,622 |
| Pretax return on assets | -1.6233% | 5,635 |
| Return on Equity (ROE) | -11.5056% | 5,602 |
| Retained earnings to average equity (ytd only) | -11.5056% | 5,555 |
| Net charge-offs to loans | 0.2647% | 985 |
| Credit loss provision to net charge-offs | 10.5263% | 3,663 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 3,889 |
| Efficiency ratio | 92.3182% | 343 |
| Assets per employee ($millions) | 3.1404% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 5,033 |
| Loan loss allowance to noncurrent loans | 81.4024% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.8480% | 1,835 |
| Noncurrent loans to loans | 0.8833% | 2,016 |
| Net loans and leases to total assets | 61.7869% | 3,649 |
| Net loans and leases to deposits | 75.0871% | 3,421 |
| Net loans and leases to core deposits | 79.9077% | 3,426 |
| Total domestic deposits to total assets | 82.2870% | 3,790 |
| Equity capital to assets | 11.5774% | 2,133 |
| Core capital (leverage) ratio | 11.4268% | 1,994 |
| Tier 1 risk-based capital ratio | 16.7071% | 2,194 |
| Total risk-based capital ratio | 17.3479% | 2,335 |
| Memoranda: | ||
| Average total assets | $60,925,400 | 4,944 |
| Average earning assets | $57,890,400 | 4,911 |
| Average equity | $7,266,000 | 4,902 |
| Average total loans | $35,888,000 | 4,848 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6314% | 4,488 |
| Cost of funding earning assets | 0.1469% | 5,329 |
| Net interest margin | 3.4845% | 3,555 |
| Noninterest income to average assets | 0.3099% | 4,307 |
| Noninterest expense to average assets | 3.4522% | 1,066 |
| Loan and lease loss provision to assets | 0.0218% | 3,709 |
| Net operating income to assets | 0.1017% | 5,444 |
| Return on assets (ROA) | 0.1091% | 5,447 |
| Pretax return on assets | 0.1593% | 5,414 |
| Return on Equity (ROE) | 0.9240% | 5,443 |
| Retained earnings to average equity (ytd only) | 0.9240% | 4,998 |
| Net charge-offs to loans | 0.1836% | 1,151 |
| Credit loss provision to net charge-offs | 20.4082% | 3,154 |
| Earnings coverage of net charge-offs (x) | 1.5919% | 3,563 |
| Efficiency ratio | 93.6747% | 295 |
| Assets per employee ($millions) | 3.4056% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 4,796 |
| Loan loss allowance to noncurrent loans | 83.9142% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.8988% | 1,900 |
| Noncurrent loans to loans | 0.9978% | 1,941 |
| Net loans and leases to total assets | 60.4688% | 3,810 |
| Net loans and leases to deposits | 73.2381% | 3,642 |
| Net loans and leases to core deposits | 78.3646% | 3,599 |
| Total domestic deposits to total assets | 82.5647% | 3,597 |
| Equity capital to assets | 11.8856% | 2,046 |
| Core capital (leverage) ratio | 12.7052% | 1,334 |
| Tier 1 risk-based capital ratio | 18.0985% | 1,832 |
| Total risk-based capital ratio | 18.8247% | 1,928 |
| Memoranda: | ||
| Average total assets | $61,099,750 | 4,996 |
| Average earning assets | $58,084,750 | 4,960 |
| Average equity | $7,215,500 | 4,958 |
| Average total loans | $35,576,500 | 4,902 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 4,890 |
| Cost of funding earning assets | 0.1483% | 5,347 |
| Net interest margin | 3.2976% | 4,114 |
| Noninterest income to average assets | 0.2720% | 4,600 |
| Noninterest expense to average assets | 3.2769% | 1,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0295% | 5,537 |
| Return on assets (ROA) | 0.0295% | 5,540 |
| Pretax return on assets | 0.1278% | 5,484 |
| Return on Equity (ROE) | 0.2503% | 5,540 |
| Retained earnings to average equity (ytd only) | 0.2503% | 5,021 |
| Net charge-offs to loans | 0.0686% | 1,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,075 |
| Efficiency ratio | 94.5140% | 293 |
| Assets per employee ($millions) | 3.4217% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 4,578 |
| Loan loss allowance to noncurrent loans | 68.8259% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 2,204 |
| Noncurrent loans to loans | 1.3292% | 1,453 |
| Net loans and leases to total assets | 59.7880% | 3,866 |
| Net loans and leases to deposits | 71.8349% | 3,757 |
| Net loans and leases to core deposits | 72.4925% | 4,055 |
| Total domestic deposits to total assets | 83.2297% | 3,492 |
| Equity capital to assets | 11.8183% | 2,066 |
| Core capital (leverage) ratio | 12.5419% | 1,353 |
| Tier 1 risk-based capital ratio | 19.0796% | 1,584 |
| Total risk-based capital ratio | 19.9163% | 1,644 |
| Memoranda: | ||
| Average total assets | $61,032,670 | 5,039 |
| Average earning assets | $57,981,670 | 5,003 |
| Average equity | $7,192,000 | 4,985 |
| Average total loans | $34,975,000 | 4,955 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6541% | 5,667 |
| Cost of funding earning assets | 0.1521% | 5,357 |
| Net interest margin | 2.5021% | 5,545 |
| Noninterest income to average assets | 0.3094% | 4,339 |
| Noninterest expense to average assets | 3.5751% | 930 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.7835% | 5,771 |
| Return on assets (ROA) | -0.7835% | 5,770 |
| Pretax return on assets | -0.8823% | 5,764 |
| Return on Equity (ROE) | -6.6587% | 5,753 |
| Retained earnings to average equity (ytd only) | -6.6587% | 5,476 |
| Net charge-offs to loans | 0.0354% | 2,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -44.6667% | 2,933 |
| Efficiency ratio | 130.5623% | 50 |
| Assets per employee ($millions) | 3.6029% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 4,319 |
| Loan loss allowance to noncurrent loans | 32.7392% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 1.7404% | 843 |
| Noncurrent loans to loans | 3.0420% | 451 |
| Net loans and leases to total assets | 56.6442% | 4,106 |
| Net loans and leases to deposits | 65.1555% | 4,240 |
| Net loans and leases to core deposits | 66.3962% | 4,404 |
| Total domestic deposits to total assets | 86.9369% | 2,246 |
| Equity capital to assets | 11.6786% | 2,057 |
| Core capital (leverage) ratio | 12.2825% | 1,457 |
| Tier 1 risk-based capital ratio | 19.0996% | 1,588 |
| Total risk-based capital ratio | 19.9749% | 1,640 |
| Memoranda: | ||
| Average total assets | $60,753,500 | 5,099 |
| Average earning assets | $57,872,000 | 5,053 |
| Average equity | $7,148,500 | 5,035 |
| Average total loans | $33,930,000 | 5,032 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7201% | 4,155 |
| Cost of funding earning assets | 0.1762% | 5,243 |
| Net interest margin | 3.5438% | 3,274 |
| Noninterest income to average assets | 0.3434% | 4,277 |
| Noninterest expense to average assets | 3.2917% | 1,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3611% | 5,054 |
| Return on assets (ROA) | 0.3580% | 5,148 |
| Pretax return on assets | 0.3710% | 5,263 |
| Return on Equity (ROE) | 3.0557% | 5,141 |
| Retained earnings to average equity (ytd only) | 2.8898% | 3,840 |
| Net charge-offs to loans | -0.1025% | 5,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1573% | 663 |
| Assets per employee ($millions) | 3.3477% | 4,982 |
| Cash dividends to net income (ytd only)* | 5.4299% | 4,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,873 |
| Loan loss allowance to noncurrent loans | 51.3120% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.1384% | 1,627 |
| Noncurrent loans to loans | 2.0904% | 841 |
| Net loans and leases to total assets | 53.8767% | 4,449 |
| Net loans and leases to deposits | 62.7464% | 4,489 |
| Net loans and leases to core deposits | 68.3589% | 4,367 |
| Total domestic deposits to total assets | 85.8641% | 2,649 |
| Equity capital to assets | 11.8557% | 1,901 |
| Core capital (leverage) ratio | 12.3392% | 1,414 |
| Tier 1 risk-based capital ratio | 20.9259% | 1,225 |
| Total risk-based capital ratio | 21.8772% | 1,242 |
| Memoranda: | ||
| Average total assets | $61,731,600 | 5,100 |
| Average earning assets | $57,875,200 | 5,072 |
| Average equity | $7,232,400 | 5,054 |
| Average total loans | $32,191,800 | 5,127 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6783% | 4,325 |
| Cost of funding earning assets | 0.1815% | 5,256 |
| Net interest margin | 3.4968% | 3,479 |
| Noninterest income to average assets | 0.3671% | 4,151 |
| Noninterest expense to average assets | 3.3730% | 1,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2705% | 5,346 |
| Return on assets (ROA) | 0.2662% | 5,433 |
| Pretax return on assets | 0.2576% | 5,502 |
| Return on Equity (ROE) | 2.2790% | 5,414 |
| Retained earnings to average equity (ytd only) | 2.0584% | 4,663 |
| Net charge-offs to loans | -0.1332% | 5,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1400% | 504 |
| Assets per employee ($millions) | 3.8958% | 4,135 |
| Cash dividends to net income (ytd only)* | 9.6776% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 4,042 |
| Loan loss allowance to noncurrent loans | 50.8696% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 1.1070% | 1,836 |
| Noncurrent loans to loans | 2.0962% | 918 |
| Net loans and leases to total assets | 52.2444% | 4,639 |
| Net loans and leases to deposits | 63.2220% | 4,542 |
| Net loans and leases to core deposits | 67.3345% | 4,524 |
| Total domestic deposits to total assets | 82.6365% | 3,731 |
| Equity capital to assets | 11.9393% | 2,159 |
| Core capital (leverage) ratio | 12.3739% | 1,454 |
| Tier 1 risk-based capital ratio | 18.4096% | 1,808 |
| Total risk-based capital ratio | 19.2554% | 1,886 |
| Memoranda: | ||
| Average total assets | $62,100,000 | 5,140 |
| Average earning assets | $58,032,500 | 5,117 |
| Average equity | $7,254,500 | 5,101 |
| Average total loans | $32,035,500 | 5,178 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6048% | 4,575 |
| Cost of funding earning assets | 0.1834% | 5,291 |
| Net interest margin | 3.4215% | 3,797 |
| Noninterest income to average assets | 0.3805% | 4,022 |
| Noninterest expense to average assets | 3.2859% | 1,622 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2838% | 5,362 |
| Return on assets (ROA) | 0.2805% | 5,451 |
| Pretax return on assets | 0.2805% | 5,528 |
| Return on Equity (ROE) | 2.4194% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.0857% | 4,527 |
| Net charge-offs to loans | -0.1827% | 5,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4246% | 586 |
| Assets per employee ($millions) | 4.4660% | 3,092 |
| Cash dividends to net income (ytd only)* | 13.7931% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 4,157 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 1.1132% | 1,898 |
| Noncurrent loans to loans | 2.1231% | 911 |
| Net loans and leases to total assets | 51.8745% | 4,687 |
| Net loans and leases to deposits | 59.7708% | 4,811 |
| Net loans and leases to core deposits | 64.1242% | 4,742 |
| Total domestic deposits to total assets | 86.7891% | 2,016 |
| Equity capital to assets | 11.7779% | 2,287 |
| Core capital (leverage) ratio | 12.1624% | 1,529 |
| Tier 1 risk-based capital ratio | 69.1656% | 70 |
| Total risk-based capital ratio | 70.4409% | 69 |
| Memoranda: | ||
| Average total assets | $62,022,670 | 5,203 |
| Average earning assets | $57,811,670 | 5,178 |
| Average equity | $7,192,000 | 5,161 |
| Average total loans | $31,742,000 | 5,240 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6247% | 4,552 |
| Cost of funding earning assets | 0.1809% | 5,366 |
| Net interest margin | 3.4438% | 3,696 |
| Noninterest income to average assets | 0.3821% | 3,972 |
| Noninterest expense to average assets | 3.4125% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2137% | 5,500 |
| Return on assets (ROA) | 0.2072% | 5,578 |
| Pretax return on assets | 0.1684% | 5,674 |
| Return on Equity (ROE) | 1.8013% | 5,548 |
| Retained earnings to average equity (ytd only) | 1.1258% | 4,791 |
| Net charge-offs to loans | -0.3459% | 5,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5018% | 476 |
| Assets per employee ($millions) | 4.3534% | 3,318 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 3,956 |
| Loan loss allowance to noncurrent loans | 56.1688% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.0107% | 2,189 |
| Noncurrent loans to loans | 1.9901% | 1,082 |
| Net loans and leases to total assets | 50.2190% | 4,786 |
| Net loans and leases to deposits | 57.8560% | 4,862 |
| Net loans and leases to core deposits | 63.7380% | 4,707 |
| Total domestic deposits to total assets | 86.8000% | 2,299 |
| Equity capital to assets | 11.7299% | 2,219 |
| Core capital (leverage) ratio | 9.6923% | 3,925 |
| Tier 1 risk-based capital ratio | 16.2476% | 2,572 |
| Total risk-based capital ratio | 17.1953% | 2,651 |
| Memoranda: | ||
| Average total assets | $61,772,000 | 5,248 |
| Average earning assets | $57,494,500 | 5,229 |
| Average equity | $7,106,000 | 5,213 |
| Average total loans | $31,222,000 | 5,301 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3148% | 5,322 |
| Cost of funding earning assets | 0.2241% | 5,052 |
| Net interest margin | 3.0906% | 4,924 |
| Noninterest income to average assets | 0.1878% | 5,472 |
| Noninterest expense to average assets | 2.9370% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2463% | 5,491 |
| Return on assets (ROA) | 0.2001% | 5,636 |
| Pretax return on assets | 0.1339% | 5,770 |
| Return on Equity (ROE) | 1.8301% | 5,610 |
| Retained earnings to average equity (ytd only) | 1.8301% | 4,682 |
| Net charge-offs to loans | -0.0275% | 5,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9259% | 487 |
| Assets per employee ($millions) | 4.4712% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 4,528 |
| Loan loss allowance to noncurrent loans | 32.7515% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 1.5560% | 1,277 |
| Noncurrent loans to loans | 3.0929% | 505 |
| Net loans and leases to total assets | 49.7979% | 4,888 |
| Net loans and leases to deposits | 57.0446% | 4,976 |
| Net loans and leases to core deposits | 61.1060% | 4,923 |
| Total domestic deposits to total assets | 87.2965% | 1,987 |
| Equity capital to assets | 11.2833% | 2,557 |
| Core capital (leverage) ratio | 10.9664% | 2,438 |
| Tier 1 risk-based capital ratio | 19.1166% | 1,682 |
| Total risk-based capital ratio | 19.9945% | 1,720 |
| Memoranda: | ||
| Average total assets | $64,963,400 | 5,202 |
| Average earning assets | $61,573,000 | 5,140 |
| Average equity | $7,103,600 | 5,223 |
| Average total loans | $29,096,400 | 5,399 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2638% | 5,479 |
| Cost of funding earning assets | 0.2308% | 5,082 |
| Net interest margin | 3.0330% | 5,119 |
| Noninterest income to average assets | 0.2075% | 5,405 |
| Noninterest expense to average assets | 2.9450% | 2,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2258% | 5,627 |
| Return on assets (ROA) | 0.1403% | 5,840 |
| Pretax return on assets | 0.0630% | 5,920 |
| Return on Equity (ROE) | 1.2933% | 5,814 |
| Retained earnings to average equity (ytd only) | 1.2933% | 5,200 |
| Net charge-offs to loans | -0.0140% | 5,088 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2005% | 447 |
| Assets per employee ($millions) | 4.5686% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 4,366 |
| Loan loss allowance to noncurrent loans | 33.1224% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 1.4822% | 1,521 |
| Noncurrent loans to loans | 3.2412% | 513 |
| Net loans and leases to total assets | 45.2369% | 5,277 |
| Net loans and leases to deposits | 52.4585% | 5,343 |
| Net loans and leases to core deposits | 57.8472% | 5,196 |
| Total domestic deposits to total assets | 86.2338% | 2,424 |
| Equity capital to assets | 11.0302% | 2,987 |
| Core capital (leverage) ratio | 11.8325% | 1,789 |
| Tier 1 risk-based capital ratio | 21.1380% | 1,322 |
| Total risk-based capital ratio | 22.0040% | 1,361 |
| Memoranda: | ||
| Average total assets | $65,555,000 | 5,253 |
| Average earning assets | $62,379,750 | 5,185 |
| Average equity | $7,113,750 | 5,290 |
| Average total loans | $28,497,750 | 5,490 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3487% | 5,344 |
| Cost of funding earning assets | 0.2358% | 5,092 |
| Net interest margin | 3.1130% | 4,939 |
| Noninterest income to average assets | 0.2330% | 5,291 |
| Noninterest expense to average assets | 2.8659% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3692% | 5,237 |
| Return on assets (ROA) | 0.2421% | 5,670 |
| Pretax return on assets | 0.1967% | 5,820 |
| Return on Equity (ROE) | 2.2430% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.2430% | 4,593 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8482% | 765 |
| Assets per employee ($millions) | 4.5978% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 4,302 |
| Loan loss allowance to noncurrent loans | 77.5561% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 3,546 |
| Noncurrent loans to loans | 1.4228% | 1,884 |
| Net loans and leases to total assets | 43.3003% | 5,419 |
| Net loans and leases to deposits | 51.1911% | 5,434 |
| Net loans and leases to core deposits | 55.3994% | 5,348 |
| Total domestic deposits to total assets | 84.5857% | 3,301 |
| Equity capital to assets | 11.0488% | 2,837 |
| Core capital (leverage) ratio | 11.7546% | 1,804 |
| Tier 1 risk-based capital ratio | 23.0351% | 1,077 |
| Total risk-based capital ratio | 23.9684% | 1,091 |
| Memoranda: | ||
| Average total assets | $66,086,330 | 5,302 |
| Average earning assets | $62,770,000 | 5,233 |
| Average equity | $7,133,330 | 5,334 |
| Average total loans | $28,247,670 | 5,545 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 4,898 |
| Cost of funding earning assets | 0.2468% | 5,055 |
| Net interest margin | 3.2775% | 4,309 |
| Noninterest income to average assets | 0.3227% | 4,607 |
| Noninterest expense to average assets | 2.9756% | 2,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4720% | 4,791 |
| Return on assets (ROA) | 0.2211% | 5,721 |
| Pretax return on assets | 0.1912% | 5,840 |
| Return on Equity (ROE) | 2.0717% | 5,674 |
| Retained earnings to average equity (ytd only) | 2.0717% | 4,640 |
| Net charge-offs to loans | 0.0566% | 2,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,486 |
| Efficiency ratio | 87.0629% | 1,090 |
| Assets per employee ($millions) | 4.7466% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 4,541 |
| Loan loss allowance to noncurrent loans | 74.8780% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 3,638 |
| Noncurrent loans to loans | 1.4634% | 1,941 |
| Net loans and leases to total assets | 41.6971% | 5,507 |
| Net loans and leases to deposits | 48.5297% | 5,543 |
| Net loans and leases to core deposits | 51.8274% | 5,502 |
| Total domestic deposits to total assets | 85.9209% | 2,984 |
| Equity capital to assets | 10.8513% | 3,141 |
| Core capital (leverage) ratio | 11.4143% | 2,068 |
| Tier 1 risk-based capital ratio | 21.0113% | 1,422 |
| Total risk-based capital ratio | 21.8564% | 1,467 |
| Memoranda: | ||
| Average total assets | $66,945,000 | 5,330 |
| Average earning assets | $63,218,500 | 5,269 |
| Average equity | $7,144,000 | 5,376 |
| Average total loans | $28,280,000 | 5,580 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6702% | 4,878 |
| Cost of funding earning assets | 0.5705% | 2,042 |
| Net interest margin | 3.0997% | 5,205 |
| Noninterest income to average assets | 0.1181% | 6,093 |
| Noninterest expense to average assets | 2.7513% | 3,669 |
| Loan and lease loss provision to assets | 0.0663% | 3,175 |
| Net operating income to assets | 0.4183% | 5,161 |
| Return on assets (ROA) | 0.1950% | 5,826 |
| Pretax return on assets | -0.1220% | 6,150 |
| Return on Equity (ROE) | 2.2860% | 5,692 |
| Retained earnings to average equity (ytd only) | 2.2860% | 4,611 |
| Net charge-offs to loans | 0.3276% | 1,347 |
| Credit loss provision to net charge-offs | 53.7634% | 3,408 |
| Earnings coverage of net charge-offs (x) | 2.3763% | 4,168 |
| Efficiency ratio | 90.3704% | 819 |
| Assets per employee ($millions) | 4.4958% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 4,588 |
| Loan loss allowance to noncurrent loans | 44.5559% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 1.0499% | 2,643 |
| Noncurrent loans to loans | 2.4453% | 1,052 |
| Net loans and leases to total assets | 41.8657% | 5,630 |
| Net loans and leases to deposits | 48.4986% | 5,657 |
| Net loans and leases to core deposits | 50.2054% | 5,705 |
| Total domestic deposits to total assets | 86.3235% | 2,657 |
| Equity capital to assets | 10.4942% | 3,489 |
| Core capital (leverage) ratio | 10.6360% | 2,797 |
| Tier 1 risk-based capital ratio | 20.3161% | 1,529 |
| Total risk-based capital ratio | 21.1479% | 1,588 |
| Memoranda: | ||
| Average total assets | $75,383,600 | 5,163 |
| Average earning assets | $71,168,400 | 5,097 |
| Average equity | $6,430,400 | 5,547 |
| Average total loans | $28,389,000 | 5,634 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6963% | 4,876 |
| Cost of funding earning assets | 0.6154% | 1,718 |
| Net interest margin | 3.0808% | 5,309 |
| Noninterest income to average assets | 0.1103% | 6,205 |
| Noninterest expense to average assets | 2.7814% | 3,534 |
| Loan and lease loss provision to assets | 0.0862% | 2,630 |
| Net operating income to assets | 0.3908% | 5,279 |
| Return on assets (ROA) | 0.0931% | 6,060 |
| Pretax return on assets | -0.3154% | 6,301 |
| Return on Equity (ROE) | 1.1486% | 6,011 |
| Retained earnings to average equity (ytd only) | 1.1486% | 5,430 |
| Net charge-offs to loans | 0.4750% | 833 |
| Credit loss provision to net charge-offs | 49.5050% | 3,110 |
| Earnings coverage of net charge-offs (x) | 1.3565% | 4,176 |
| Efficiency ratio | 92.1759% | 699 |
| Assets per employee ($millions) | 4.0379% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 4,861 |
| Loan loss allowance to noncurrent loans | 90.9910% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 4,523 |
| Noncurrent loans to loans | 1.1803% | 2,701 |
| Net loans and leases to total assets | 38.4015% | 5,919 |
| Net loans and leases to deposits | 43.8714% | 5,978 |
| Net loans and leases to core deposits | 47.7176% | 5,898 |
| Total domestic deposits to total assets | 87.5320% | 2,016 |
| Equity capital to assets | 9.4232% | 4,891 |
| Core capital (leverage) ratio | 9.8241% | 3,911 |
| Tier 1 risk-based capital ratio | 18.8180% | 1,953 |
| Total risk-based capital ratio | 19.5781% | 2,072 |
| Memoranda: | ||
| Average total assets | $77,370,250 | 5,176 |
| Average earning assets | $73,009,000 | 5,122 |
| Average equity | $6,268,750 | 5,626 |
| Average total loans | $28,350,250 | 5,689 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7708% | 4,622 |
| Cost of funding earning assets | 0.5694% | 2,170 |
| Net interest margin | 3.2014% | 4,943 |
| Noninterest income to average assets | 0.0963% | 6,298 |
| Noninterest expense to average assets | 2.6706% | 3,975 |
| Loan and lease loss provision to assets | 0.1267% | 1,948 |
| Net operating income to assets | 0.5177% | 4,734 |
| Return on assets (ROA) | 0.2534% | 5,781 |
| Pretax return on assets | -0.0938% | 6,251 |
| Return on Equity (ROE) | 3.2920% | 5,431 |
| Retained earnings to average equity (ytd only) | 3.2920% | 4,107 |
| Net charge-offs to loans | 0.3381% | 1,202 |
| Credit loss provision to net charge-offs | 104.1667% | 1,916 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 3,246 |
| Efficiency ratio | 85.6911% | 1,296 |
| Assets per employee ($millions) | 4.3573% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 3,789 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 4,640 |
| Noncurrent loans to loans | 1.3121% | 2,616 |
| Net loans and leases to total assets | 34.1391% | 6,139 |
| Net loans and leases to deposits | 38.5227% | 6,207 |
| Net loans and leases to core deposits | 44.9631% | 6,035 |
| Total domestic deposits to total assets | 88.6207% | 1,575 |
| Equity capital to assets | 8.5616% | 5,751 |
| Core capital (leverage) ratio | 9.5335% | 4,277 |
| Tier 1 risk-based capital ratio | 18.7009% | 2,003 |
| Total risk-based capital ratio | 19.5828% | 2,088 |
| Memoranda: | ||
| Average total assets | $78,933,000 | 5,184 |
| Average earning assets | $74,467,330 | 5,123 |
| Average equity | $6,075,330 | 5,697 |
| Average total loans | $28,395,670 | 5,726 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8272% | 4,373 |
| Cost of funding earning assets | 0.5743% | 2,210 |
| Net interest margin | 3.2528% | 4,731 |
| Noninterest income to average assets | 0.0909% | 6,363 |
| Noninterest expense to average assets | 2.6066% | 4,247 |
| Loan and lease loss provision to assets | 0.2526% | 852 |
| Net operating income to assets | 0.5658% | 4,380 |
| Return on assets (ROA) | 0.4951% | 4,793 |
| Pretax return on assets | 0.2223% | 5,885 |
| Return on Equity (ROE) | 6.8109% | 3,586 |
| Retained earnings to average equity (ytd only) | 6.8109% | 2,141 |
| Net charge-offs to loans | 0.5650% | 656 |
| Credit loss provision to net charge-offs | 121.9512% | 1,444 |
| Earnings coverage of net charge-offs (x) | 2.6341% | 2,831 |
| Efficiency ratio | 82.6923% | 1,837 |
| Assets per employee ($millions) | 4.3903% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 3,960 |
| Loan loss allowance to noncurrent loans | 78.7419% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 4,396 |
| Noncurrent loans to loans | 1.6888% | 2,297 |
| Net loans and leases to total assets | 34.0825% | 6,178 |
| Net loans and leases to deposits | 38.0919% | 6,244 |
| Net loans and leases to core deposits | 44.6016% | 6,049 |
| Total domestic deposits to total assets | 89.4744% | 1,379 |
| Equity capital to assets | 7.7544% | 6,202 |
| Core capital (leverage) ratio | 9.5440% | 4,222 |
| Tier 1 risk-based capital ratio | 17.4563% | 2,487 |
| Total risk-based capital ratio | 18.2960% | 2,622 |
| Memoranda: | ||
| Average total assets | $79,183,500 | 5,222 |
| Average earning assets | $74,519,500 | 5,160 |
| Average equity | $5,755,500 | 5,806 |
| Average total loans | $29,027,500 | 5,748 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8038% | 4,804 |
| Cost of funding earning assets | 0.6576% | 2,147 |
| Net interest margin | 3.1462% | 5,172 |
| Noninterest income to average assets | 0.0643% | 6,506 |
| Noninterest expense to average assets | 2.6425% | 4,307 |
| Loan and lease loss provision to assets | 0.0900% | 3,309 |
| Net operating income to assets | 0.5192% | 4,655 |
| Return on assets (ROA) | 0.4820% | 4,951 |
| Pretax return on assets | 0.2892% | 5,763 |
| Return on Equity (ROE) | 6.1275% | 4,013 |
| Retained earnings to average equity (ytd only) | 6.1275% | 1,899 |
| Net charge-offs to loans | 0.0648% | 4,302 |
| Credit loss provision to net charge-offs | 350.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 16.2000% | 1,818 |
| Efficiency ratio | 86.3866% | 1,379 |
| Assets per employee ($millions) | 4.4078% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 4,909 |
| Loan loss allowance to noncurrent loans | 86.7647% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 4,700 |
| Noncurrent loans to loans | 1.3265% | 2,917 |
| Net loans and leases to total assets | 38.3207% | 6,066 |
| Net loans and leases to deposits | 44.1213% | 6,116 |
| Net loans and leases to core deposits | 50.3136% | 5,912 |
| Total domestic deposits to total assets | 86.8530% | 2,801 |
| Equity capital to assets | 6.7846% | 6,514 |
| Core capital (leverage) ratio | 8.5193% | 5,646 |
| Tier 1 risk-based capital ratio | 14.0852% | 4,240 |
| Total risk-based capital ratio | 14.8289% | 4,542 |
| Memoranda: | ||
| Average total assets | $77,804,600 | 5,286 |
| Average earning assets | $74,058,200 | 5,192 |
| Average equity | $6,120,000 | 5,787 |
| Average total loans | $30,852,200 | 5,719 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 4,826 |
| Cost of funding earning assets | 0.6554% | 2,317 |
| Net interest margin | 3.1525% | 5,143 |
| Noninterest income to average assets | 0.0603% | 6,602 |
| Noninterest expense to average assets | 2.6435% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4615% | 4,970 |
| Return on assets (ROA) | 0.8129% | 3,411 |
| Pretax return on assets | 0.7750% | 4,401 |
| Return on Equity (ROE) | 9.9825% | 2,190 |
| Retained earnings to average equity (ytd only) | 9.9825% | 792 |
| Net charge-offs to loans | -0.1036% | 6,504 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1875% | 1,345 |
| Assets per employee ($millions) | 4.2065% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 5,360 |
| Loan loss allowance to noncurrent loans | 728.8889% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 6,281 |
| Noncurrent loans to loans | 0.1500% | 5,869 |
| Net loans and leases to total assets | 37.1328% | 6,213 |
| Net loans and leases to deposits | 43.1837% | 6,255 |
| Net loans and leases to core deposits | 49.3219% | 6,049 |
| Total domestic deposits to total assets | 85.9879% | 3,256 |
| Equity capital to assets | 7.0254% | 6,545 |
| Core capital (leverage) ratio | 9.5132% | 4,381 |
| Tier 1 risk-based capital ratio | 16.0167% | 3,184 |
| Total risk-based capital ratio | 16.7382% | 3,433 |
| Memoranda: | ||
| Average total assets | $77,420,500 | 5,348 |
| Average earning assets | $73,843,250 | 5,247 |
| Average equity | $6,304,250 | 5,812 |
| Average total loans | $30,875,750 | 5,772 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8614% | 4,613 |
| Cost of funding earning assets | 0.6490% | 2,509 |
| Net interest margin | 3.2123% | 4,900 |
| Noninterest income to average assets | 0.0601% | 6,639 |
| Noninterest expense to average assets | 2.7107% | 3,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3921% | 5,247 |
| Return on assets (ROA) | 0.9036% | 2,917 |
| Pretax return on assets | 0.9453% | 3,731 |
| Return on Equity (ROE) | 10.5908% | 1,970 |
| Retained earnings to average equity (ytd only) | 10.5908% | 726 |
| Net charge-offs to loans | -0.2952% | 6,752 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7893% | 1,336 |
| Assets per employee ($millions) | 3.9918% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 5,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 39.6480% | 6,069 |
| Net loans and leases to deposits | 46.4762% | 6,077 |
| Net loans and leases to core deposits | 49.3971% | 6,059 |
| Total domestic deposits to total assets | 85.3082% | 3,738 |
| Equity capital to assets | 7.5457% | 6,424 |
| Core capital (leverage) ratio | 9.6752% | 3,975 |
| Tier 1 risk-based capital ratio | 16.0337% | 3,168 |
| Total risk-based capital ratio | 16.7968% | 3,409 |
| Memoranda: | ||
| Average total assets | $76,586,000 | 5,401 |
| Average earning assets | $73,030,670 | 5,303 |
| Average equity | $6,534,000 | 5,800 |
| Average total loans | $31,165,670 | 5,798 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 4,822 |
| Cost of funding earning assets | 0.6806% | 2,381 |
| Net interest margin | 3.1199% | 5,195 |
| Noninterest income to average assets | 0.0572% | 6,707 |
| Noninterest expense to average assets | 2.6457% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3293% | 5,448 |
| Return on assets (ROA) | 1.2942% | 1,393 |
| Pretax return on assets | 1.5385% | 1,458 |
| Return on Equity (ROE) | 14.3526% | 891 |
| Retained earnings to average equity (ytd only) | 14.3526% | 415 |
| Net charge-offs to loans | -0.4820% | 6,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1575% | 1,403 |
| Assets per employee ($millions) | 4.0267% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 5,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 39.3279% | 6,049 |
| Net loans and leases to deposits | 45.0988% | 6,114 |
| Net loans and leases to core deposits | 47.8393% | 6,101 |
| Total domestic deposits to total assets | 87.2040% | 2,832 |
| Equity capital to assets | 8.9559% | 5,550 |
| Core capital (leverage) ratio | 9.4939% | 4,093 |
| Tier 1 risk-based capital ratio | 17.2973% | 2,648 |
| Total risk-based capital ratio | 18.1052% | 2,795 |
| Memoranda: | ||
| Average total assets | $76,956,500 | 5,439 |
| Average earning assets | $73,463,500 | 5,336 |
| Average equity | $6,939,500 | 5,759 |
| Average total loans | $31,538,000 | 5,819 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 5,030 |
| Cost of funding earning assets | 0.7188% | 3,338 |
| Net interest margin | 3.3580% | 5,043 |
| Noninterest income to average assets | 0.0207% | 6,778 |
| Noninterest expense to average assets | 2.9376% | 3,511 |
| Loan and lease loss provision to assets | 0.7603% | 660 |
| Net operating income to assets | -0.4321% | 6,536 |
| Return on assets (ROA) | 0.9617% | 2,733 |
| Pretax return on assets | 1.0418% | 3,392 |
| Return on Equity (ROE) | 10.3471% | 2,028 |
| Retained earnings to average equity (ytd only) | 10.3471% | 537 |
| Net charge-offs to loans | 1.9333% | 385 |
| Credit loss provision to net charge-offs | 88.1600% | 3,545 |
| Earnings coverage of net charge-offs (x) | 0.3328% | 5,310 |
| Efficiency ratio | 91.0997% | 981 |
| Assets per employee ($millions) | 4.0739% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 6,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 41.7815% | 6,027 |
| Net loans and leases to deposits | 50.4595% | 5,926 |
| Net loans and leases to core deposits | 54.1290% | 5,862 |
| Total domestic deposits to total assets | 82.8021% | 4,798 |
| Equity capital to assets | 9.0782% | 5,430 |
| Core capital (leverage) ratio | 9.3891% | 4,269 |
| Tier 1 risk-based capital ratio | 16.9077% | 2,699 |
| Total risk-based capital ratio | 17.6343% | 2,907 |
| Memoranda: | ||
| Average total assets | $72,473,600 | 5,564 |
| Average earning assets | $69,147,800 | 5,461 |
| Average equity | $6,736,200 | 5,832 |
| Average total loans | $32,328,400 | 5,836 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1769% | 4,900 |
| Cost of funding earning assets | 0.7387% | 3,444 |
| Net interest margin | 3.4382% | 4,885 |
| Noninterest income to average assets | -0.6550% | 7,148 |
| Noninterest expense to average assets | 2.9514% | 3,401 |
| Loan and lease loss provision to assets | 0.1872% | 3,249 |
| Net operating income to assets | -0.4725% | 6,686 |
| Return on assets (ROA) | 0.9189% | 3,113 |
| Pretax return on assets | 1.0106% | 3,667 |
| Return on Equity (ROE) | 9.8244% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.8244% | 961 |
| Net charge-offs to loans | 0.9178% | 1,182 |
| Credit loss provision to net charge-offs | 45.0450% | 4,512 |
| Earnings coverage of net charge-offs (x) | -0.7973% | 5,553 |
| Efficiency ratio | 112.6429% | 260 |
| Assets per employee ($millions) | 3.8136% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8636% | 6,475 |
| Loan loss allowance to noncurrent loans | 483.0189% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 5,789 |
| Noncurrent loans to loans | 0.1788% | 6,164 |
| Net loans and leases to total assets | 40.5600% | 6,238 |
| Net loans and leases to deposits | 47.5858% | 6,282 |
| Net loans and leases to core deposits | 51.5922% | 6,209 |
| Total domestic deposits to total assets | 85.2356% | 3,648 |
| Equity capital to assets | 9.5255% | 5,170 |
| Core capital (leverage) ratio | 9.5947% | 4,124 |
| Tier 1 risk-based capital ratio | 18.1420% | 2,286 |
| Total risk-based capital ratio | 18.8182% | 2,477 |
| Memoranda: | ||
| Average total assets | $71,240,750 | 5,661 |
| Average earning assets | $67,864,000 | 5,556 |
| Average equity | $6,663,500 | 5,922 |
| Average total loans | $32,249,250 | 5,915 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 5,111 |
| Cost of funding earning assets | 0.7739% | 3,414 |
| Net interest margin | 3.3812% | 5,157 |
| Noninterest income to average assets | 0.0960% | 6,691 |
| Noninterest expense to average assets | 2.9675% | 3,382 |
| Loan and lease loss provision to assets | 0.2823% | 2,320 |
| Net operating income to assets | 0.0490% | 6,257 |
| Return on assets (ROA) | 1.5473% | 1,026 |
| Pretax return on assets | 2.1345% | 541 |
| Return on Equity (ROE) | 16.6464% | 687 |
| Retained earnings to average equity (ytd only) | 16.6464% | 200 |
| Net charge-offs to loans | 0.0302% | 4,957 |
| Credit loss provision to net charge-offs | 2,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 23.8000% | 1,241 |
| Efficiency ratio | 89.8291% | 1,082 |
| Assets per employee ($millions) | 3.5845% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 4,196 |
| Loan loss allowance to noncurrent loans | 48.3146% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 1.9528% | 2,840 |
| Noncurrent loans to loans | 3.0266% | 1,950 |
| Net loans and leases to total assets | 46.7991% | 5,744 |
| Net loans and leases to deposits | 54.9146% | 5,777 |
| Net loans and leases to core deposits | 58.7402% | 5,718 |
| Total domestic deposits to total assets | 85.2216% | 3,758 |
| Equity capital to assets | 9.9330% | 4,444 |
| Core capital (leverage) ratio | 9.5505% | 4,078 |
| Tier 1 risk-based capital ratio | 17.1279% | 2,615 |
| Total risk-based capital ratio | 18.2978% | 2,607 |
| Memoranda: | ||
| Average total assets | $70,835,000 | 5,708 |
| Average earning assets | $67,196,000 | 5,613 |
| Average equity | $6,584,000 | 5,961 |
| Average total loans | $33,117,330 | 5,906 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 5,834 |
| Cost of funding earning assets | 0.7759% | 3,653 |
| Net interest margin | 3.2026% | 5,776 |
| Noninterest income to average assets | 0.0665% | 6,869 |
| Noninterest expense to average assets | 2.6482% | 4,627 |
| Loan and lease loss provision to assets | 0.5540% | 1,058 |
| Net operating income to assets | -0.0649% | 6,497 |
| Return on assets (ROA) | 2.2105% | 339 |
| Pretax return on assets | 3.2521% | 146 |
| Return on Equity (ROE) | 24.5784% | 196 |
| Retained earnings to average equity (ytd only) | 24.5784% | 100 |
| Net charge-offs to loans | 0.0955% | 3,572 |
| Credit loss provision to net charge-offs | 1,250.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 10.3750% | 1,763 |
| Efficiency ratio | 85.2050% | 1,561 |
| Assets per employee ($millions) | 3.8331% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 4,430 |
| Loan loss allowance to noncurrent loans | 59.3434% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.5955% | 3,455 |
| Noncurrent loans to loans | 2.4237% | 2,682 |
| Net loans and leases to total assets | 44.2228% | 5,989 |
| Net loans and leases to deposits | 51.5296% | 6,026 |
| Net loans and leases to core deposits | 59.6846% | 5,562 |
| Total domestic deposits to total assets | 85.8202% | 3,631 |
| Equity capital to assets | 8.9044% | 5,635 |
| Core capital (leverage) ratio | 9.3280% | 4,321 |
| Tier 1 risk-based capital ratio | 16.2712% | 3,036 |
| Total risk-based capital ratio | 17.4000% | 3,063 |
| Memoranda: | ||
| Average total assets | $72,199,500 | 5,707 |
| Average earning assets | $68,569,000 | 5,610 |
| Average equity | $6,493,500 | 6,011 |
| Average total loans | $33,503,000 | 5,937 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 4,067 |
| Cost of funding earning assets | 0.9271% | 3,908 |
| Net interest margin | 3.8155% | 3,741 |
| Noninterest income to average assets | 0.0926% | 6,675 |
| Noninterest expense to average assets | 3.1112% | 3,160 |
| Loan and lease loss provision to assets | 0.4553% | 2,322 |
| Net operating income to assets | 0.0907% | 5,885 |
| Return on assets (ROA) | 0.7554% | 3,402 |
| Pretax return on assets | 1.1674% | 2,587 |
| Return on Equity (ROE) | 8.0504% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.0504% | 1,063 |
| Net charge-offs to loans | 0.8796% | 1,979 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 1.3180% | 4,788 |
| Efficiency ratio | 83.8294% | 1,785 |
| Assets per employee ($millions) | 3.7668% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 5,806 |
| Loan loss allowance to noncurrent loans | 42.6637% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 1.7689% | 3,302 |
| Noncurrent loans to loans | 2.5809% | 2,540 |
| Net loans and leases to total assets | 47.4375% | 5,884 |
| Net loans and leases to deposits | 59.0771% | 5,593 |
| Net loans and leases to core deposits | 69.3642% | 4,866 |
| Total domestic deposits to total assets | 80.2976% | 5,663 |
| Equity capital to assets | 9.0848% | 5,438 |
| Core capital (leverage) ratio | 9.3399% | 4,267 |
| Tier 1 risk-based capital ratio | 15.5408% | 3,302 |
| Total risk-based capital ratio | 16.4620% | 3,469 |
| Memoranda: | ||
| Average total assets | $66,983,600 | 5,842 |
| Average earning assets | $63,530,000 | 5,753 |
| Average equity | $6,285,400 | 6,080 |
| Average total loans | $34,673,600 | 5,929 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8445% | 3,811 |
| Cost of funding earning assets | 0.9548% | 4,001 |
| Net interest margin | 3.8897% | 3,432 |
| Noninterest income to average assets | 0.1073% | 6,718 |
| Noninterest expense to average assets | 3.0661% | 3,296 |
| Loan and lease loss provision to assets | 0.2126% | 3,895 |
| Net operating income to assets | 0.3184% | 5,328 |
| Return on assets (ROA) | 0.7189% | 3,685 |
| Pretax return on assets | 1.1422% | 2,851 |
| Return on Equity (ROE) | 7.5959% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.5959% | 1,664 |
| Net charge-offs to loans | 0.7978% | 1,969 |
| Credit loss provision to net charge-offs | 50.4808% | 5,026 |
| Earnings coverage of net charge-offs (x) | 1.7308% | 4,355 |
| Efficiency ratio | 80.7898% | 2,147 |
| Assets per employee ($millions) | 3.3334% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 6,746 |
| Loan loss allowance to noncurrent loans | 28.2051% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 1.5225% | 3,822 |
| Noncurrent loans to loans | 2.9708% | 2,338 |
| Net loans and leases to total assets | 48.8158% | 5,859 |
| Net loans and leases to deposits | 59.3641% | 5,713 |
| Net loans and leases to core deposits | 70.5163% | 4,888 |
| Total domestic deposits to total assets | 82.2311% | 4,996 |
| Equity capital to assets | 9.8760% | 4,513 |
| Core capital (leverage) ratio | 9.2634% | 4,522 |
| Tier 1 risk-based capital ratio | 16.0865% | 3,074 |
| Total risk-based capital ratio | 16.7972% | 3,321 |
| Memoranda: | ||
| Average total assets | $65,837,000 | 5,916 |
| Average earning assets | $62,420,250 | 5,827 |
| Average equity | $6,231,250 | 6,132 |
| Average total loans | $34,759,750 | 5,977 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8712% | 3,750 |
| Cost of funding earning assets | 0.9967% | 3,974 |
| Net interest margin | 3.8745% | 3,415 |
| Noninterest income to average assets | 0.1129% | 6,766 |
| Noninterest expense to average assets | 3.0476% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4752% | 4,619 |
| Return on assets (ROA) | 0.7993% | 3,205 |
| Pretax return on assets | 1.2599% | 2,267 |
| Return on Equity (ROE) | 8.5710% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.5710% | 1,244 |
| Net charge-offs to loans | 0.0452% | 5,218 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 30.8750% | 900 |
| Efficiency ratio | 80.1766% | 2,366 |
| Assets per employee ($millions) | 3.4178% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 5,901 |
| Loan loss allowance to noncurrent loans | 28.9515% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 1.9680% | 3,276 |
| Noncurrent loans to loans | 3.8524% | 1,802 |
| Net loans and leases to total assets | 50.5151% | 5,748 |
| Net loans and leases to deposits | 59.7077% | 5,756 |
| Net loans and leases to core deposits | 71.0366% | 4,948 |
| Total domestic deposits to total assets | 84.6040% | 4,073 |
| Equity capital to assets | 9.8231% | 4,364 |
| Core capital (leverage) ratio | 9.4673% | 4,002 |
| Tier 1 risk-based capital ratio | 16.2959% | 2,834 |
| Total risk-based capital ratio | 17.2792% | 2,926 |
| Memoranda: | ||
| Average total assets | $65,560,330 | 5,971 |
| Average earning assets | $62,408,000 | 5,877 |
| Average equity | $6,113,670 | 6,202 |
| Average total loans | $35,406,670 | 5,998 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7959% | 4,077 |
| Cost of funding earning assets | 0.9808% | 4,344 |
| Net interest margin | 3.8151% | 3,538 |
| Noninterest income to average assets | 0.1214% | 6,810 |
| Noninterest expense to average assets | 2.9209% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5640% | 4,217 |
| Return on assets (ROA) | 0.7105% | 3,539 |
| Pretax return on assets | 1.0566% | 2,916 |
| Return on Equity (ROE) | 7.8248% | 2,993 |
| Retained earnings to average equity (ytd only) | 7.8248% | 1,800 |
| Net charge-offs to loans | 0.0986% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 1,320 |
| Efficiency ratio | 77.7060% | 2,892 |
| Assets per employee ($millions) | 3.4211% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 6,257 |
| Loan loss allowance to noncurrent loans | 21.7828% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 2.6062% | 2,630 |
| Noncurrent loans to loans | 4.7674% | 1,441 |
| Net loans and leases to total assets | 54.0985% | 5,287 |
| Net loans and leases to deposits | 63.5521% | 5,320 |
| Net loans and leases to core deposits | 75.4965% | 4,360 |
| Total domestic deposits to total assets | 85.1246% | 3,979 |
| Equity capital to assets | 9.3169% | 4,700 |
| Core capital (leverage) ratio | 8.8535% | 4,848 |
| Tier 1 risk-based capital ratio | 14.4554% | 3,768 |
| Total risk-based capital ratio | 15.3464% | 3,981 |
| Memoranda: | ||
| Average total assets | $65,871,000 | 5,995 |
| Average earning assets | $62,803,000 | 5,900 |
| Average equity | $5,981,000 | 6,256 |
| Average total loans | $36,523,000 | 6,008 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2514% | 3,355 |
| Cost of funding earning assets | 1.2429% | 4,264 |
| Net interest margin | 4.0085% | 2,986 |
| Noninterest income to average assets | 0.0826% | 6,977 |
| Noninterest expense to average assets | 3.4526% | 2,298 |
| Loan and lease loss provision to assets | 0.4775% | 3,269 |
| Net operating income to assets | -0.0635% | 5,945 |
| Return on assets (ROA) | 0.2088% | 5,413 |
| Pretax return on assets | 0.2218% | 5,437 |
| Return on Equity (ROE) | 2.1876% | 5,318 |
| Retained earnings to average equity (ytd only) | 2.1876% | 4,362 |
| Net charge-offs to loans | 0.7391% | 2,808 |
| Credit loss provision to net charge-offs | 109.2593% | 4,037 |
| Earnings coverage of net charge-offs (x) | 0.9370% | 5,176 |
| Efficiency ratio | 89.3965% | 1,369 |
| Assets per employee ($millions) | 3.5127% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 6,354 |
| Loan loss allowance to noncurrent loans | 26.0870% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 2.1710% | 3,127 |
| Noncurrent loans to loans | 3.8627% | 1,902 |
| Net loans and leases to total assets | 55.6396% | 5,396 |
| Net loans and leases to deposits | 68.4289% | 5,049 |
| Net loans and leases to core deposits | 81.1286% | 4,043 |
| Total domestic deposits to total assets | 81.3101% | 5,415 |
| Equity capital to assets | 8.8490% | 5,360 |
| Core capital (leverage) ratio | 8.9260% | 4,651 |
| Tier 1 risk-based capital ratio | 13.5702% | 4,152 |
| Total risk-based capital ratio | 14.4439% | 4,410 |
| Memoranda: | ||
| Average total assets | $61,779,800 | 6,135 |
| Average earning assets | $58,251,400 | 6,055 |
| Average equity | $5,897,000 | 6,398 |
| Average total loans | $36,528,800 | 6,092 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3439% | 3,151 |
| Cost of funding earning assets | 1.2828% | 4,345 |
| Net interest margin | 4.0611% | 2,804 |
| Noninterest income to average assets | 0.0617% | 7,217 |
| Noninterest expense to average assets | 3.4643% | 2,128 |
| Loan and lease loss provision to assets | 0.5176% | 2,868 |
| Net operating income to assets | -0.0677% | 6,138 |
| Return on assets (ROA) | 0.2224% | 5,605 |
| Pretax return on assets | 0.2995% | 5,509 |
| Return on Equity (ROE) | 2.2844% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.2844% | 4,799 |
| Net charge-offs to loans | 0.9077% | 2,187 |
| Credit loss provision to net charge-offs | 95.1417% | 4,558 |
| Earnings coverage of net charge-offs (x) | 0.7814% | 5,273 |
| Efficiency ratio | 89.0713% | 1,361 |
| Assets per employee ($millions) | 3.3108% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 6,706 |
| Loan loss allowance to noncurrent loans | 69.0283% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 0.7853% | 5,536 |
| Noncurrent loans to loans | 1.3209% | 4,657 |
| Net loans and leases to total assets | 58.9111% | 5,117 |
| Net loans and leases to deposits | 72.4426% | 4,770 |
| Net loans and leases to core deposits | 81.7372% | 4,281 |
| Total domestic deposits to total assets | 81.3210% | 5,260 |
| Equity capital to assets | 9.6113% | 4,671 |
| Core capital (leverage) ratio | 9.4220% | 4,030 |
| Tier 1 risk-based capital ratio | 12.9837% | 4,592 |
| Total risk-based capital ratio | 13.7415% | 4,969 |
| Memoranda: | ||
| Average total assets | $60,539,250 | 6,247 |
| Average earning assets | $57,060,750 | 6,163 |
| Average equity | $5,894,750 | 6,480 |
| Average total loans | $36,282,750 | 6,188 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5624% | 2,282 |
| Cost of funding earning assets | 1.3444% | 4,223 |
| Net interest margin | 4.2180% | 2,098 |
| Noninterest income to average assets | 0.1741% | 6,661 |
| Noninterest expense to average assets | 3.4041% | 2,252 |
| Loan and lease loss provision to assets | 0.7866% | 1,826 |
| Net operating income to assets | -0.0357% | 6,125 |
| Return on assets (ROA) | 0.1808% | 5,750 |
| Pretax return on assets | 0.2343% | 5,693 |
| Return on Equity (ROE) | 1.8479% | 5,677 |
| Retained earnings to average equity (ytd only) | 1.8479% | 4,945 |
| Net charge-offs to loans | 1.2475% | 1,526 |
| Credit loss provision to net charge-offs | 104.9107% | 3,887 |
| Earnings coverage of net charge-offs (x) | 0.9866% | 4,797 |
| Efficiency ratio | 82.1486% | 2,145 |
| Assets per employee ($millions) | 3.5242% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 6,306 |
| Loan loss allowance to noncurrent loans | 39.8249% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 1.6558% | 3,946 |
| Noncurrent loans to loans | 2.5665% | 3,081 |
| Net loans and leases to total assets | 58.8356% | 5,276 |
| Net loans and leases to deposits | 70.6435% | 5,188 |
| Net loans and leases to core deposits | 79.9424% | 4,701 |
| Total domestic deposits to total assets | 83.2852% | 4,443 |
| Equity capital to assets | 9.8146% | 4,246 |
| Core capital (leverage) ratio | 9.4970% | 3,825 |
| Tier 1 risk-based capital ratio | 13.3885% | 4,142 |
| Total risk-based capital ratio | 14.2293% | 4,423 |
| Memoranda: | ||
| Average total assets | $59,750,670 | 6,317 |
| Average earning assets | $56,235,000 | 6,233 |
| Average equity | $5,844,330 | 6,518 |
| Average total loans | $35,910,670 | 6,248 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3651% | 3,214 |
| Cost of funding earning assets | 1.3965% | 4,205 |
| Net interest margin | 3.9686% | 3,001 |
| Noninterest income to average assets | 0.1810% | 6,662 |
| Noninterest expense to average assets | 3.2780% | 2,599 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4255% | 4,734 |
| Return on assets (ROA) | 0.6771% | 3,658 |
| Pretax return on assets | 1.0122% | 3,047 |
| Return on Equity (ROE) | 6.9338% | 3,376 |
| Retained earnings to average equity (ytd only) | 6.9338% | 2,163 |
| Net charge-offs to loans | -0.1109% | 7,540 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7329% | 2,047 |
| Assets per employee ($millions) | 3.5611% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,384 |
| Loan loss allowance to noncurrent loans | 61.6695% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.0357% | 5,077 |
| Noncurrent loans to loans | 1.6455% | 4,279 |
| Net loans and leases to total assets | 58.3260% | 5,379 |
| Net loans and leases to deposits | 69.6683% | 5,396 |
| Net loans and leases to core deposits | 76.5894% | 5,182 |
| Total domestic deposits to total assets | 83.7196% | 4,289 |
| Equity capital to assets | 9.6103% | 4,364 |
| Core capital (leverage) ratio | 9.6237% | 3,614 |
| Tier 1 risk-based capital ratio | 13.4031% | 4,043 |
| Total risk-based capital ratio | 14.2336% | 4,320 |
| Memoranda: | ||
| Average total assets | $59,670,500 | 6,399 |
| Average earning assets | $56,140,500 | 6,321 |
| Average equity | $5,826,500 | 6,577 |
| Average total loans | $36,059,500 | 6,311 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8979% | 2,247 |
| Cost of funding earning assets | 1.6500% | 4,792 |
| Net interest margin | 4.2479% | 1,903 |
| Noninterest income to average assets | 0.2543% | 6,285 |
| Noninterest expense to average assets | 3.9567% | 1,428 |
| Loan and lease loss provision to assets | 0.4476% | 4,143 |
| Net operating income to assets | -0.0797% | 5,640 |
| Return on assets (ROA) | -0.0697% | 5,643 |
| Pretax return on assets | -0.1620% | 5,664 |
| Return on Equity (ROE) | -0.6796% | 5,652 |
| Retained earnings to average equity (ytd only) | -0.8834% | 5,223 |
| Net charge-offs to loans | 0.8749% | 2,647 |
| Credit loss provision to net charge-offs | 79.5666% | 6,288 |
| Earnings coverage of net charge-offs (x) | 0.4799% | 5,627 |
| Efficiency ratio | 93.6135% | 1,436 |
| Assets per employee ($millions) | 3.6751% | 4,581 |
| Cash dividends to net income (ytd only)* | -30.0000% | 7,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 6,540 |
| Loan loss allowance to noncurrent loans | 82.4766% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.8180% | 5,469 |
| Noncurrent loans to loans | 1.1743% | 4,977 |
| Net loans and leases to total assets | 61.3823% | 5,127 |
| Net loans and leases to deposits | 71.3588% | 5,423 |
| Net loans and leases to core deposits | 85.9852% | 5,523 |
| Total domestic deposits to total assets | 86.0192% | 3,011 |
| Equity capital to assets | 9.9231% | 3,871 |
| Core capital (leverage) ratio | 9.9873% | 3,106 |
| Tier 1 risk-based capital ratio | 14.9871% | 2,944 |
| Total risk-based capital ratio | 15.9084% | 3,082 |
| Memoranda: | ||
| Average total assets | $57,421,000 | 6,450 |
| Average earning assets | $53,697,400 | 6,386 |
| Average equity | $5,886,200 | 6,640 |
| Average total loans | $36,918,400 | 6,250 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0642% | 1,785 |
| Cost of funding earning assets | 1.6950% | 4,924 |
| Net interest margin | 4.3692% | 1,533 |
| Noninterest income to average assets | 0.2383% | 6,524 |
| Noninterest expense to average assets | 4.0390% | 1,227 |
| Loan and lease loss provision to assets | 0.2149% | 5,267 |
| Net operating income to assets | -0.0625% | 5,827 |
| Return on assets (ROA) | -0.0491% | 5,849 |
| Pretax return on assets | 0.0701% | 5,584 |
| Return on Equity (ROE) | -0.4747% | 5,851 |
| Retained earnings to average equity (ytd only) | -0.7459% | 5,419 |
| Net charge-offs to loans | 0.6804% | 2,656 |
| Credit loss provision to net charge-offs | 48.6772% | 6,329 |
| Earnings coverage of net charge-offs (x) | 0.5979% | 5,438 |
| Efficiency ratio | 93.8654% | 1,408 |
| Assets per employee ($millions) | 3.1733% | 5,719 |
| Cash dividends to net income (ytd only)* | -57.1429% | 7,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 6,884 |
| Loan loss allowance to noncurrent loans | 49.6914% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 1.2273% | 4,609 |
| Noncurrent loans to loans | 1.7511% | 3,993 |
| Net loans and leases to total assets | 64.2238% | 4,817 |
| Net loans and leases to deposits | 74.8149% | 5,244 |
| Net loans and leases to core deposits | 90.1150% | 5,421 |
| Total domestic deposits to total assets | 85.8436% | 2,783 |
| Equity capital to assets | 10.3521% | 3,677 |
| Core capital (leverage) ratio | 9.8361% | 3,471 |
| Tier 1 risk-based capital ratio | 15.5204% | 2,817 |
| Total risk-based capital ratio | 16.3878% | 2,917 |
| Memoranda: | ||
| Average total assets | $57,075,750 | 6,503 |
| Average earning assets | $53,097,250 | 6,454 |
| Average equity | $5,899,000 | 6,701 |
| Average total loans | $37,036,250 | 6,287 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0530% | 1,972 |
| Cost of funding earning assets | 1.7262% | 5,143 |
| Net interest margin | 4.3268% | 1,585 |
| Noninterest income to average assets | 0.2664% | 6,366 |
| Noninterest expense to average assets | 4.1990% | 1,074 |
| Loan and lease loss provision to assets | 0.1472% | 5,605 |
| Net operating income to assets | -0.2699% | 6,291 |
| Return on assets (ROA) | -0.2383% | 6,259 |
| Pretax return on assets | -0.0596% | 5,948 |
| Return on Equity (ROE) | -2.3073% | 6,270 |
| Retained earnings to average equity (ytd only) | -2.7145% | 5,911 |
| Net charge-offs to loans | -0.3023% | 8,067 |
| Credit loss provision to net charge-offs | -75.0000% | 6,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6820% | 1,240 |
| Assets per employee ($millions) | 3.0703% | 5,949 |
| Cash dividends to net income (ytd only)* | -17.6471% | 7,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 3,882 |
| Loan loss allowance to noncurrent loans | 49.5686% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 2.1205% | 3,031 |
| Noncurrent loans to loans | 2.7650% | 2,604 |
| Net loans and leases to total assets | 63.7754% | 5,031 |
| Net loans and leases to deposits | 73.7911% | 5,482 |
| Net loans and leases to core deposits | 87.3764% | 5,780 |
| Total domestic deposits to total assets | 86.4269% | 2,550 |
| Equity capital to assets | 9.9338% | 4,039 |
| Core capital (leverage) ratio | 9.9927% | 3,308 |
| Tier 1 risk-based capital ratio | 14.5773% | 3,205 |
| Total risk-based capital ratio | 15.8528% | 3,132 |
| Memoranda: | ||
| Average total assets | $57,061,330 | 6,552 |
| Average earning assets | $52,602,330 | 6,526 |
| Average equity | $5,894,330 | 6,762 |
| Average total loans | $37,046,330 | 6,339 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0714% | 2,069 |
| Cost of funding earning assets | 1.7731% | 5,247 |
| Net interest margin | 4.2984% | 1,605 |
| Noninterest income to average assets | 0.3190% | 5,899 |
| Noninterest expense to average assets | 3.1334% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7940% | 3,154 |
| Return on assets (ROA) | 0.7940% | 3,318 |
| Pretax return on assets | 1.1555% | 2,784 |
| Return on Equity (ROE) | 7.5370% | 3,360 |
| Retained earnings to average equity (ytd only) | 7.5370% | 2,007 |
| Net charge-offs to loans | -0.0654% | 7,778 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0579% | 4,002 |
| Assets per employee ($millions) | 3.1698% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 5,092 |
| Loan loss allowance to noncurrent loans | 904.2553% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 6,226 |
| Noncurrent loans to loans | 0.1276% | 7,154 |
| Net loans and leases to total assets | 63.7941% | 5,027 |
| Net loans and leases to deposits | 74.4036% | 5,431 |
| Net loans and leases to core deposits | 87.4640% | 5,790 |
| Total domestic deposits to total assets | 85.7406% | 2,856 |
| Equity capital to assets | 10.5386% | 3,427 |
| Core capital (leverage) ratio | 10.8341% | 2,633 |
| Tier 1 risk-based capital ratio | 14.3263% | 3,415 |
| Total risk-based capital ratio | 15.3572% | 3,453 |
| Memoranda: | ||
| Average total assets | $56,424,000 | 6,613 |
| Average earning assets | $52,113,000 | 6,569 |
| Average equity | $5,944,000 | 6,785 |
| Average total loans | $36,709,000 | 6,401 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5230% | 2,848 |
| Cost of funding earning assets | 2.3831% | 4,795 |
| Net interest margin | 4.1399% | 2,541 |
| Noninterest income to average assets | 0.2529% | 6,641 |
| Noninterest expense to average assets | 3.2890% | 2,996 |
| Loan and lease loss provision to assets | 0.5589% | 2,581 |
| Net operating income to assets | 0.2356% | 5,739 |
| Return on assets (ROA) | 0.2700% | 5,461 |
| Pretax return on assets | 0.3156% | 5,477 |
| Return on Equity (ROE) | 2.3986% | 5,463 |
| Retained earnings to average equity (ytd only) | -0.0338% | 5,269 |
| Net charge-offs to loans | 1.1837% | 1,021 |
| Credit loss provision to net charge-offs | 67.2769% | 6,119 |
| Earnings coverage of net charge-offs (x) | 1.0046% | 5,623 |
| Efficiency ratio | 79.7603% | 2,631 |
| Assets per employee ($millions) | 3.2818% | 5,257 |
| Cash dividends to net income (ytd only)* | 101.4085% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 4,960 |
| Loan loss allowance to noncurrent loans | 74.8214% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.3335% | 3,550 |
| Noncurrent loans to loans | 1.5303% | 3,497 |
| Net loans and leases to total assets | 64.8402% | 5,099 |
| Net loans and leases to deposits | 75.6973% | 5,627 |
| Net loans and leases to core deposits | 91.2013% | 5,702 |
| Total domestic deposits to total assets | 85.6572% | 2,561 |
| Equity capital to assets | 10.5304% | 3,466 |
| Core capital (leverage) ratio | 10.8634% | 2,698 |
| Tier 1 risk-based capital ratio | 12.6269% | 4,349 |
| Total risk-based capital ratio | 13.5401% | 4,477 |
| Memoranda: | ||
| Average total assets | $52,599,400 | 6,674 |
| Average earning assets | $49,180,200 | 6,628 |
| Average equity | $5,920,000 | 6,835 |
| Average total loans | $36,919,400 | 6,318 |