Home > Valley Bank of Kalispell > Performance and Condition Ratios
Valley Bank of Kalispell, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0899% | 1,875 |
| Cost of funding earning assets | 1.3353% | 2,406 |
| Net interest margin | 3.7546% | 1,643 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.5837% | 2,055 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.1472% | 1,792 |
| Return on assets (ROA) | 1.1472% | 1,762 |
| Pretax return on assets | 1.5324% | 1,352 |
| Return on Equity (ROE) | 16.3300% | 1,052 |
| Retained earnings to average equity (ytd only) | 2.6781% | 3,389 |
| Net charge-offs to loans | -0.0797% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.7471% | 2,869 |
| Assets per employee ($millions) | 6.1699% | 2,676 |
| Cash dividends to net income (ytd only)* | 83.6043% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 723 |
| Loan loss allowance to noncurrent loans | 365.3516% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 1,734 |
| Noncurrent loans to loans | 0.4558% | 1,641 |
| Net loans and leases to total assets | 65.7600% | 2,280 |
| Net loans and leases to deposits | 71.5522% | 2,782 |
| Net loans and leases to core deposits | 82.2224% | 2,572 |
| Total domestic deposits to total assets | 91.9100% | 320 |
| Equity capital to assets | 7.6804% | 3,610 |
| Core capital (leverage) ratio | 9.6273% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $187,674,800 | 3,071 |
| Average earning assets | $181,832,400 | 2,993 |
| Average equity | $13,181,200 | 3,410 |
| Average total loans | $126,744,200 | 2,886 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 2,315 |
| Cost of funding earning assets | 1.1724% | 2,520 |
| Net interest margin | 3.6041% | 2,001 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.5891% | 1,980 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.0308% | 2,274 |
| Return on assets (ROA) | 1.0308% | 2,261 |
| Pretax return on assets | 1.3677% | 1,849 |
| Return on Equity (ROE) | 15.0400% | 1,435 |
| Retained earnings to average equity (ytd only) | -3.7071% | 4,388 |
| Net charge-offs to loans | -0.0116% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.9570% | 2,495 |
| Assets per employee ($millions) | 6.5496% | 2,290 |
| Cash dividends to net income (ytd only)* | 124.6537% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 957 |
| Loan loss allowance to noncurrent loans | 250.0000% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4153% | 1,399 |
| Noncurrent loans to loans | 0.6249% | 1,304 |
| Net loans and leases to total assets | 65.4200% | 2,297 |
| Net loans and leases to deposits | 69.9212% | 2,847 |
| Net loans and leases to core deposits | 78.9066% | 2,684 |
| Total domestic deposits to total assets | 93.5600% | 237 |
| Equity capital to assets | 6.0645% | 3,966 |
| Core capital (leverage) ratio | 9.5553% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $186,776,750 | 3,082 |
| Average earning assets | $180,825,000 | 3,010 |
| Average equity | $12,804,000 | 3,443 |
| Average total loans | $126,453,250 | 2,886 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6299% | 2,349 |
| Cost of funding earning assets | 0.9915% | 2,631 |
| Net interest margin | 3.6384% | 1,951 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.7504% | 1,528 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.9230% | 2,678 |
| Return on assets (ROA) | 0.9230% | 2,663 |
| Pretax return on assets | 1.2204% | 2,311 |
| Return on Equity (ROE) | 12.9300% | 1,915 |
| Retained earnings to average equity (ytd only) | -14.5496% | 4,557 |
| Net charge-offs to loans | -0.0288% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.9141% | 2,114 |
| Assets per employee ($millions) | 5.9617% | 2,742 |
| Cash dividends to net income (ytd only)* | 212.5148% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 933 |
| Loan loss allowance to noncurrent loans | 322.3622% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 1,538 |
| Noncurrent loans to loans | 0.4968% | 1,466 |
| Net loans and leases to total assets | 68.0600% | 1,953 |
| Net loans and leases to deposits | 75.3060% | 2,383 |
| Net loans and leases to core deposits | 84.5564% | 2,175 |
| Total domestic deposits to total assets | 90.3700% | 819 |
| Equity capital to assets | 6.8989% | 3,849 |
| Core capital (leverage) ratio | 9.7950% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $183,539,333 | 3,108 |
| Average earning assets | $177,715,000 | 3,040 |
| Average equity | $13,100,000 | 3,426 |
| Average total loans | $125,075,667 | 2,899 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4843% | 2,355 |
| Cost of funding earning assets | 0.7252% | 2,968 |
| Net interest margin | 3.7591% | 1,769 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.5259% | 2,180 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 0.9623% | 2,647 |
| Return on assets (ROA) | 0.9623% | 2,611 |
| Pretax return on assets | 1.3559% | 1,998 |
| Return on Equity (ROE) | 13.2600% | 1,938 |
| Retained earnings to average equity (ytd only) | -40.9793% | 4,659 |
| Net charge-offs to loans | -0.0485% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.1111% | 2,808 |
| Assets per employee ($millions) | 6.1487% | 2,632 |
| Cash dividends to net income (ytd only)* | 409.0909% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 946 |
| Loan loss allowance to noncurrent loans | 428.3019% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 1,842 |
| Noncurrent loans to loans | 0.3806% | 1,792 |
| Net loans and leases to total assets | 66.8300% | 1,969 |
| Net loans and leases to deposits | 75.9295% | 2,126 |
| Net loans and leases to core deposits | 84.6675% | 1,946 |
| Total domestic deposits to total assets | 88.0100% | 1,922 |
| Equity capital to assets | 6.8340% | 3,895 |
| Core capital (leverage) ratio | 9.6253% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $182,902,500 | 3,157 |
| Average earning assets | $177,063,000 | 3,082 |
| Average equity | $13,275,000 | 3,449 |
| Average total loans | $123,702,000 | 2,943 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 1,559 |
| Cost of funding earning assets | 0.1039% | 4,377 |
| Net interest margin | 3.9573% | 845 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.5321% | 2,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4806% | 930 |
| Return on assets (ROA) | 1.4806% | 895 |
| Pretax return on assets | 1.9779% | 501 |
| Return on Equity (ROE) | 19.6900% | 507 |
| Retained earnings to average equity (ytd only) | 13.6294% | 434 |
| Net charge-offs to loans | -0.0241% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.1437% | 3,569 |
| Assets per employee ($millions) | 6.0448% | 2,726 |
| Cash dividends to net income (ytd only)* | 30.7971% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 707 |
| Loan loss allowance to noncurrent loans | 454.0084% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 1,858 |
| Noncurrent loans to loans | 0.3882% | 1,755 |
| Net loans and leases to total assets | 66.1400% | 2,029 |
| Net loans and leases to deposits | 72.6344% | 2,357 |
| Net loans and leases to core deposits | 73.3900% | 2,616 |
| Total domestic deposits to total assets | 91.0600% | 936 |
| Equity capital to assets | 7.6892% | 3,263 |
| Core capital (leverage) ratio | 9.9849% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $186,406,800 | 3,133 |
| Average earning assets | $178,984,200 | 3,069 |
| Average equity | $14,013,800 | 3,465 |
| Average total loans | $116,325,200 | 2,956 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 883 |
| Cost of funding earning assets | 0.1009% | 4,277 |
| Net interest margin | 4.1047% | 512 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.4745% | 2,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3953% | 1,105 |
| Return on assets (ROA) | 1.3953% | 1,074 |
| Pretax return on assets | 1.8628% | 643 |
| Return on Equity (ROE) | 18.6600% | 560 |
| Retained earnings to average equity (ytd only) | 10.5856% | 1,170 |
| Net charge-offs to loans | -0.0360% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.0516% | 3,509 |
| Assets per employee ($millions) | 6.3519% | 2,443 |
| Cash dividends to net income (ytd only)* | 43.2790% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 727 |
| Loan loss allowance to noncurrent loans | 415.2216% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 1,858 |
| Noncurrent loans to loans | 0.4333% | 1,729 |
| Net loans and leases to total assets | 61.7200% | 2,323 |
| Net loans and leases to deposits | 66.1128% | 2,709 |
| Net loans and leases to core deposits | 66.7522% | 2,897 |
| Total domestic deposits to total assets | 93.3500% | 489 |
| Equity capital to assets | 6.4254% | 3,779 |
| Core capital (leverage) ratio | 9.5048% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $187,672,250 | 3,146 |
| Average earning assets | $179,787,500 | 3,091 |
| Average equity | $14,031,250 | 3,501 |
| Average total loans | $114,883,750 | 2,983 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 705 |
| Cost of funding earning assets | 0.1026% | 4,166 |
| Net interest margin | 4.0443% | 450 |
| Noninterest income to average assets | 0.3471% | 3,070 |
| Noninterest expense to average assets | 2.5719% | 1,715 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2447% | 1,293 |
| Return on assets (ROA) | 1.2447% | 1,277 |
| Pretax return on assets | 1.6603% | 828 |
| Return on Equity (ROE) | 15.8884% | 720 |
| Retained earnings to average equity (ytd only) | 4.2661% | 2,987 |
| Net charge-offs to loans | -0.0283% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7694% | 3,208 |
| Assets per employee ($millions) | 6.3164% | 2,468 |
| Cash dividends to net income (ytd only)* | 73.1497% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 771 |
| Loan loss allowance to noncurrent loans | 423.7624% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 1,980 |
| Noncurrent loans to loans | 0.4320% | 1,826 |
| Net loans and leases to total assets | 60.5644% | 2,268 |
| Net loans and leases to deposits | 65.1302% | 2,627 |
| Net loans and leases to core deposits | 65.7666% | 2,844 |
| Total domestic deposits to total assets | 92.9896% | 519 |
| Equity capital to assets | 6.9053% | 3,816 |
| Core capital (leverage) ratio | 8.5967% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,710,667 | 3,185 |
| Average earning assets | $179,363,667 | 3,137 |
| Average equity | $14,627,000 | 3,532 |
| Average total loans | $113,256,667 | 3,028 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 798 |
| Cost of funding earning assets | 0.1166% | 3,933 |
| Net interest margin | 3.8671% | 545 |
| Noninterest income to average assets | 0.3130% | 3,225 |
| Noninterest expense to average assets | 2.4002% | 2,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2260% | 1,179 |
| Return on assets (ROA) | 1.2260% | 1,163 |
| Pretax return on assets | 1.6361% | 780 |
| Return on Equity (ROE) | 14.7552% | 693 |
| Retained earnings to average equity (ytd only) | -7.3256% | 4,501 |
| Net charge-offs to loans | -0.0538% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4652% | 3,541 |
| Assets per employee ($millions) | 5.7833% | 3,026 |
| Cash dividends to net income (ytd only)* | 149.6479% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 662 |
| Loan loss allowance to noncurrent loans | 296.6713% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 1,547 |
| Noncurrent loans to loans | 0.6618% | 1,430 |
| Net loans and leases to total assets | 57.7103% | 2,328 |
| Net loans and leases to deposits | 62.5262% | 2,670 |
| Net loans and leases to core deposits | 64.2969% | 2,773 |
| Total domestic deposits to total assets | 92.2978% | 474 |
| Equity capital to assets | 7.5293% | 3,913 |
| Core capital (leverage) ratio | 8.8181% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,320,500 | 3,201 |
| Average earning assets | $178,429,000 | 3,154 |
| Average equity | $15,398,000 | 3,527 |
| Average total loans | $111,433,000 | 3,044 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 515 |
| Cost of funding earning assets | 0.2806% | 2,598 |
| Net interest margin | 4.3099% | 397 |
| Noninterest income to average assets | 0.3059% | 3,578 |
| Noninterest expense to average assets | 2.6188% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3735% | 1,365 |
| Return on assets (ROA) | 1.3735% | 1,416 |
| Pretax return on assets | 1.8374% | 840 |
| Return on Equity (ROE) | 14.8544% | 984 |
| Retained earnings to average equity (ytd only) | 8.0148% | 1,539 |
| Net charge-offs to loans | -0.0506% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7666% | 3,321 |
| Assets per employee ($millions) | 5.7993% | 2,955 |
| Cash dividends to net income (ytd only)* | 46.0444% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8644% | 777 |
| Loan loss allowance to noncurrent loans | 398.4991% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 2,098 |
| Noncurrent loans to loans | 0.4678% | 1,963 |
| Net loans and leases to total assets | 60.2456% | 2,137 |
| Net loans and leases to deposits | 66.3698% | 2,478 |
| Net loans and leases to core deposits | 68.2785% | 2,624 |
| Total domestic deposits to total assets | 90.7726% | 594 |
| Equity capital to assets | 9.0863% | 3,530 |
| Core capital (leverage) ratio | 8.7380% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,937,600 | 3,262 |
| Average earning assets | $167,497,200 | 3,211 |
| Average equity | $16,082,800 | 3,532 |
| Average total loans | $106,800,400 | 3,117 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7086% | 481 |
| Cost of funding earning assets | 0.3231% | 2,370 |
| Net interest margin | 4.3855% | 380 |
| Noninterest income to average assets | 0.3040% | 3,615 |
| Noninterest expense to average assets | 2.6669% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3892% | 1,578 |
| Return on assets (ROA) | 1.3892% | 1,642 |
| Pretax return on assets | 1.8593% | 1,026 |
| Return on Equity (ROE) | 14.9543% | 1,149 |
| Retained earnings to average equity (ytd only) | 5.7233% | 2,945 |
| Net charge-offs to loans | -0.0406% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9218% | 3,134 |
| Assets per employee ($millions) | 6.1518% | 2,545 |
| Cash dividends to net income (ytd only)* | 61.7284% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9603% | 684 |
| Loan loss allowance to noncurrent loans | 325.7364% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 2,038 |
| Noncurrent loans to loans | 0.6018% | 1,802 |
| Net loans and leases to total assets | 56.9349% | 2,620 |
| Net loans and leases to deposits | 62.6252% | 2,985 |
| Net loans and leases to core deposits | 66.6576% | 2,896 |
| Total domestic deposits to total assets | 90.9137% | 398 |
| Equity capital to assets | 8.8988% | 3,922 |
| Core capital (leverage) ratio | 9.0516% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,027,750 | 3,326 |
| Average earning assets | $164,659,500 | 3,267 |
| Average equity | $15,888,000 | 3,594 |
| Average total loans | $105,019,000 | 3,179 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9971% | 345 |
| Cost of funding earning assets | 0.3644% | 2,187 |
| Net interest margin | 4.6327% | 296 |
| Noninterest income to average assets | 0.2943% | 3,660 |
| Noninterest expense to average assets | 2.8273% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4389% | 1,452 |
| Return on assets (ROA) | 1.4389% | 1,519 |
| Pretax return on assets | 1.9253% | 963 |
| Return on Equity (ROE) | 15.2518% | 1,096 |
| Retained earnings to average equity (ytd only) | 1.2476% | 4,292 |
| Net charge-offs to loans | -0.0019% | 3,193 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4895% | 3,082 |
| Assets per employee ($millions) | 5.5963% | 3,022 |
| Cash dividends to net income (ytd only)* | 91.8197% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9869% | 617 |
| Loan loss allowance to noncurrent loans | 296.2804% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 1,946 |
| Noncurrent loans to loans | 0.6706% | 1,748 |
| Net loans and leases to total assets | 60.8506% | 2,323 |
| Net loans and leases to deposits | 67.3523% | 2,691 |
| Net loans and leases to core deposits | 72.3046% | 2,577 |
| Total domestic deposits to total assets | 90.3467% | 625 |
| Equity capital to assets | 9.4836% | 3,344 |
| Core capital (leverage) ratio | 9.3951% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,519,333 | 3,372 |
| Average earning assets | $160,252,000 | 3,306 |
| Average equity | $15,709,667 | 3,615 |
| Average total loans | $104,300,000 | 3,202 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 430 |
| Cost of funding earning assets | 0.3990% | 2,105 |
| Net interest margin | 4.4770% | 370 |
| Noninterest income to average assets | 0.3015% | 3,605 |
| Noninterest expense to average assets | 2.7063% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4183% | 1,526 |
| Return on assets (ROA) | 1.4183% | 1,600 |
| Pretax return on assets | 1.8983% | 1,120 |
| Return on Equity (ROE) | 15.0735% | 1,191 |
| Retained earnings to average equity (ytd only) | -13.1253% | 4,861 |
| Net charge-offs to loans | 0.0077% | 1,627 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 393.5000% | 233 |
| Efficiency ratio | 58.7742% | 3,192 |
| Assets per employee ($millions) | 5.1506% | 3,486 |
| Cash dividends to net income (ytd only)* | 187.0748% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9761% | 627 |
| Loan loss allowance to noncurrent loans | 278.8410% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 2,040 |
| Noncurrent loans to loans | 0.7087% | 1,822 |
| Net loans and leases to total assets | 62.2691% | 2,260 |
| Net loans and leases to deposits | 68.8949% | 2,613 |
| Net loans and leases to core deposits | 75.9382% | 2,362 |
| Total domestic deposits to total assets | 90.3828% | 627 |
| Equity capital to assets | 9.2191% | 3,479 |
| Core capital (leverage) ratio | 9.1969% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,834,000 | 3,378 |
| Average earning assets | $159,393,500 | 3,310 |
| Average equity | $15,603,500 | 3,628 |
| Average total loans | $104,333,500 | 3,205 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7949% | 118 |
| Cost of funding earning assets | 0.5559% | 2,575 |
| Net interest margin | 5.2390% | 92 |
| Noninterest income to average assets | 0.2798% | 3,805 |
| Noninterest expense to average assets | 2.9519% | 1,541 |
| Loan and lease loss provision to assets | 0.0406% | 3,893 |
| Net operating income to assets | 1.7237% | 465 |
| Return on assets (ROA) | 1.7237% | 508 |
| Pretax return on assets | 2.3138% | 253 |
| Return on Equity (ROE) | 17.3314% | 381 |
| Retained earnings to average equity (ytd only) | 11.3504% | 392 |
| Net charge-offs to loans | 0.1361% | 1,187 |
| Credit loss provision to net charge-offs | 41.9580% | 3,180 |
| Earnings coverage of net charge-offs (x) | 24.3566% | 1,773 |
| Efficiency ratio | 55.6306% | 4,028 |
| Assets per employee ($millions) | 5.2140% | 3,134 |
| Cash dividends to net income (ytd only)* | 34.5098% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9910% | 602 |
| Loan loss allowance to noncurrent loans | 279.7297% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 1,620 |
| Noncurrent loans to loans | 0.7118% | 1,917 |
| Net loans and leases to total assets | 61.0712% | 2,720 |
| Net loans and leases to deposits | 67.7649% | 3,104 |
| Net loans and leases to core deposits | 76.6920% | 2,659 |
| Total domestic deposits to total assets | 90.1221% | 518 |
| Equity capital to assets | 9.5968% | 3,520 |
| Core capital (leverage) ratio | 9.1267% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,937,600 | 3,427 |
| Average earning assets | $141,935,800 | 3,359 |
| Average equity | $14,713,200 | 3,675 |
| Average total loans | $105,076,000 | 3,163 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8896% | 126 |
| Cost of funding earning assets | 0.5776% | 2,751 |
| Net interest margin | 5.3120% | 94 |
| Noninterest income to average assets | 0.2514% | 3,973 |
| Noninterest expense to average assets | 3.0304% | 1,377 |
| Loan and lease loss provision to assets | 0.0559% | 3,654 |
| Net operating income to assets | 1.6861% | 591 |
| Return on assets (ROA) | 1.6861% | 656 |
| Pretax return on assets | 2.2596% | 305 |
| Return on Equity (ROE) | 16.7815% | 468 |
| Retained earnings to average equity (ytd only) | 8.6270% | 1,103 |
| Net charge-offs to loans | 0.2316% | 661 |
| Credit loss provision to net charge-offs | 32.7869% | 2,945 |
| Earnings coverage of net charge-offs (x) | 13.5902% | 2,189 |
| Efficiency ratio | 56.6876% | 3,833 |
| Assets per employee ($millions) | 5.3094% | 2,880 |
| Cash dividends to net income (ytd only)* | 48.5919% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9027% | 582 |
| Loan loss allowance to noncurrent loans | 195.9459% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.8366% | 1,385 |
| Noncurrent loans to loans | 0.9710% | 1,540 |
| Net loans and leases to total assets | 63.5885% | 2,811 |
| Net loans and leases to deposits | 70.3187% | 3,284 |
| Net loans and leases to core deposits | 79.8549% | 2,856 |
| Total domestic deposits to total assets | 90.4290% | 298 |
| Equity capital to assets | 9.2502% | 3,908 |
| Core capital (leverage) ratio | 9.4118% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,210,000 | 3,464 |
| Average earning assets | $137,345,000 | 3,396 |
| Average equity | $14,388,500 | 3,711 |
| Average total loans | $105,353,500 | 3,169 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2340% | 112 |
| Cost of funding earning assets | 0.6155% | 2,888 |
| Net interest margin | 5.6184% | 85 |
| Noninterest income to average assets | 0.2366% | 4,059 |
| Noninterest expense to average assets | 3.3421% | 934 |
| Loan and lease loss provision to assets | 0.0882% | 3,176 |
| Net operating income to assets | 1.6181% | 731 |
| Return on assets (ROA) | 1.6181% | 801 |
| Pretax return on assets | 2.1722% | 374 |
| Return on Equity (ROE) | 15.6063% | 622 |
| Retained earnings to average equity (ytd only) | 3.1326% | 3,332 |
| Net charge-offs to loans | 0.3946% | 401 |
| Credit loss provision to net charge-offs | 28.9855% | 2,706 |
| Earnings coverage of net charge-offs (x) | 7.4300% | 2,363 |
| Efficiency ratio | 59.6537% | 3,457 |
| Assets per employee ($millions) | 4.3401% | 3,969 |
| Cash dividends to net income (ytd only)* | 79.9273% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 533 |
| Loan loss allowance to noncurrent loans | 297.6261% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 1,736 |
| Noncurrent loans to loans | 0.6377% | 2,268 |
| Net loans and leases to total assets | 72.3967% | 1,633 |
| Net loans and leases to deposits | 80.9171% | 2,325 |
| Net loans and leases to core deposits | 93.9152% | 1,749 |
| Total domestic deposits to total assets | 89.4702% | 584 |
| Equity capital to assets | 10.1549% | 3,063 |
| Core capital (leverage) ratio | 10.4801% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,083,000 | 3,528 |
| Average earning assets | $129,965,667 | 3,473 |
| Average equity | $14,109,667 | 3,753 |
| Average total loans | $104,907,667 | 3,168 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8845% | 189 |
| Cost of funding earning assets | 0.6619% | 3,104 |
| Net interest margin | 5.2226% | 138 |
| Noninterest income to average assets | 0.2566% | 4,005 |
| Noninterest expense to average assets | 3.1846% | 1,456 |
| Loan and lease loss provision to assets | 0.1811% | 1,649 |
| Net operating income to assets | 1.3946% | 998 |
| Return on assets (ROA) | 1.3946% | 1,075 |
| Pretax return on assets | 1.8685% | 603 |
| Return on Equity (ROE) | 13.3021% | 827 |
| Retained earnings to average equity (ytd only) | -12.0353% | 4,832 |
| Net charge-offs to loans | 1.4008% | 104 |
| Credit loss provision to net charge-offs | 16.3934% | 2,214 |
| Earnings coverage of net charge-offs (x) | 1.8552% | 2,337 |
| Efficiency ratio | 60.8420% | 3,637 |
| Assets per employee ($millions) | 4.0849% | 3,807 |
| Cash dividends to net income (ytd only)* | 190.4762% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 739 |
| Loan loss allowance to noncurrent loans | 245.2855% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.9429% | 1,412 |
| Noncurrent loans to loans | 0.7251% | 2,181 |
| Net loans and leases to total assets | 80.5539% | 628 |
| Net loans and leases to deposits | 90.6938% | 1,432 |
| Net loans and leases to core deposits | 109.2140% | 889 |
| Total domestic deposits to total assets | 88.8196% | 748 |
| Equity capital to assets | 10.9001% | 2,948 |
| Core capital (leverage) ratio | 10.0613% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,513,500 | 3,558 |
| Average earning assets | $126,297,000 | 3,492 |
| Average equity | $13,892,500 | 3,781 |
| Average total loans | $104,514,500 | 3,161 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5670% | 500 |
| Cost of funding earning assets | 0.6871% | 3,225 |
| Net interest margin | 4.8800% | 342 |
| Noninterest income to average assets | 1.4669% | 431 |
| Noninterest expense to average assets | 3.4591% | 1,020 |
| Loan and lease loss provision to assets | 0.5825% | 207 |
| Net operating income to assets | 1.8607% | 466 |
| Return on assets (ROA) | 1.8628% | 486 |
| Pretax return on assets | 2.0996% | 477 |
| Return on Equity (ROE) | 17.2614% | 390 |
| Retained earnings to average equity (ytd only) | 2.8551% | 3,611 |
| Net charge-offs to loans | 0.0441% | 2,509 |
| Credit loss provision to net charge-offs | 1,688.6364% | 220 |
| Earnings coverage of net charge-offs (x) | 77.6818% | 809 |
| Efficiency ratio | 56.3474% | 4,166 |
| Assets per employee ($millions) | 4.1938% | 3,642 |
| Cash dividends to net income (ytd only)* | 83.4596% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0471% | 428 |
| Loan loss allowance to noncurrent loans | 134.1433% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 1.4784% | 691 |
| Noncurrent loans to loans | 1.5260% | 940 |
| Net loans and leases to total assets | 74.4406% | 1,675 |
| Net loans and leases to deposits | 82.8957% | 2,456 |
| Net loans and leases to core deposits | 99.4930% | 1,605 |
| Total domestic deposits to total assets | 89.8002% | 396 |
| Equity capital to assets | 10.1030% | 3,828 |
| Core capital (leverage) ratio | 10.1547% | 3,351 |
| Tier 1 risk-based capital ratio | 13.1042% | 3,744 |
| Total risk-based capital ratio | 14.3637% | 3,620 |
| Memoranda: | ||
| Average total assets | $127,548,600 | 3,596 |
| Average earning assets | $122,111,600 | 3,533 |
| Average equity | $13,764,800 | 3,781 |
| Average total loans | $99,858,800 | 3,227 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5520% | 537 |
| Cost of funding earning assets | 0.6833% | 3,289 |
| Net interest margin | 4.8688% | 368 |
| Noninterest income to average assets | 2.0293% | 261 |
| Noninterest expense to average assets | 3.5598% | 890 |
| Loan and lease loss provision to assets | 0.1602% | 1,171 |
| Net operating income to assets | 2.6203% | 139 |
| Return on assets (ROA) | 2.6231% | 145 |
| Pretax return on assets | 2.9851% | 119 |
| Return on Equity (ROE) | 23.8837% | 113 |
| Retained earnings to average equity (ytd only) | 4.5998% | 3,105 |
| Net charge-offs to loans | 0.0609% | 1,944 |
| Credit loss provision to net charge-offs | 333.3333% | 884 |
| Earnings coverage of net charge-offs (x) | 65.3762% | 1,003 |
| Efficiency ratio | 53.1155% | 4,482 |
| Assets per employee ($millions) | 4.2018% | 3,610 |
| Cash dividends to net income (ytd only)* | 80.7410% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4928% | 1,264 |
| Loan loss allowance to noncurrent loans | 138.8592% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 1.6741% | 617 |
| Noncurrent loans to loans | 1.0751% | 1,477 |
| Net loans and leases to total assets | 76.4603% | 1,405 |
| Net loans and leases to deposits | 85.6133% | 2,246 |
| Net loans and leases to core deposits | 104.8484% | 1,272 |
| Total domestic deposits to total assets | 89.3089% | 517 |
| Equity capital to assets | 10.4419% | 3,597 |
| Core capital (leverage) ratio | 11.3444% | 2,346 |
| Tier 1 risk-based capital ratio | 12.9836% | 3,858 |
| Total risk-based capital ratio | 14.2356% | 3,756 |
| Memoranda: | ||
| Average total assets | $124,837,000 | 3,668 |
| Average earning assets | $119,808,750 | 3,603 |
| Average equity | $13,710,500 | 3,830 |
| Average total loans | $98,529,750 | 3,289 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5442% | 521 |
| Cost of funding earning assets | 0.6866% | 3,242 |
| Net interest margin | 4.8576% | 366 |
| Noninterest income to average assets | 2.8825% | 168 |
| Noninterest expense to average assets | 3.6258% | 828 |
| Loan and lease loss provision to assets | 0.1233% | 1,513 |
| Net operating income to assets | 3.4322% | 66 |
| Return on assets (ROA) | 3.4367% | 71 |
| Pretax return on assets | 3.7918% | 76 |
| Return on Equity (ROE) | 30.7338% | 41 |
| Retained earnings to average equity (ytd only) | 1.5735% | 4,263 |
| Net charge-offs to loans | 0.1284% | 1,174 |
| Credit loss provision to net charge-offs | 120.9677% | 1,730 |
| Earnings coverage of net charge-offs (x) | 38.3548% | 1,275 |
| Efficiency ratio | 48.1126% | 4,898 |
| Assets per employee ($millions) | 3.5499% | 4,435 |
| Cash dividends to net income (ytd only)* | 94.8804% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 1,423 |
| Loan loss allowance to noncurrent loans | 127.6762% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.2797% | 1,008 |
| Noncurrent loans to loans | 1.1349% | 1,434 |
| Net loans and leases to total assets | 80.3054% | 835 |
| Net loans and leases to deposits | 96.8295% | 949 |
| Net loans and leases to core deposits | 113.2607% | 805 |
| Total domestic deposits to total assets | 82.9348% | 3,223 |
| Equity capital to assets | 10.9443% | 3,129 |
| Core capital (leverage) ratio | 11.1531% | 2,452 |
| Tier 1 risk-based capital ratio | 12.7153% | 4,002 |
| Total risk-based capital ratio | 13.9659% | 3,903 |
| Memoranda: | ||
| Average total assets | $121,630,000 | 3,732 |
| Average earning assets | $116,518,330 | 3,670 |
| Average equity | $13,600,670 | 3,844 |
| Average total loans | $96,584,670 | 3,330 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 585 |
| Cost of funding earning assets | 0.5920% | 3,617 |
| Net interest margin | 4.8398% | 374 |
| Noninterest income to average assets | 5.0997% | 91 |
| Noninterest expense to average assets | 3.6236% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 5.7882% | 37 |
| Return on assets (ROA) | 5.7945% | 40 |
| Pretax return on assets | 6.1302% | 40 |
| Return on Equity (ROE) | 51.2572% | 12 |
| Retained earnings to average equity (ytd only) | 23.2319% | 62 |
| Net charge-offs to loans | 0.1952% | 715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 40.0435% | 1,154 |
| Efficiency ratio | 37.1760% | 5,254 |
| Assets per employee ($millions) | 3.6533% | 4,405 |
| Cash dividends to net income (ytd only)* | 54.6758% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 1,438 |
| Loan loss allowance to noncurrent loans | 144.7071% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 1.1729% | 1,151 |
| Noncurrent loans to loans | 1.0157% | 1,641 |
| Net loans and leases to total assets | 78.2909% | 1,108 |
| Net loans and leases to deposits | 92.0444% | 1,394 |
| Net loans and leases to core deposits | 105.1643% | 1,230 |
| Total domestic deposits to total assets | 85.0578% | 2,662 |
| Equity capital to assets | 11.7114% | 2,224 |
| Core capital (leverage) ratio | 11.8045% | 1,907 |
| Tier 1 risk-based capital ratio | 14.1459% | 3,276 |
| Total risk-based capital ratio | 15.3976% | 3,194 |
| Memoranda: | ||
| Average total assets | $120,321,500 | 3,802 |
| Average earning assets | $115,541,000 | 3,725 |
| Average equity | $13,602,000 | 3,853 |
| Average total loans | $94,255,000 | 3,405 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1044% | 835 |
| Cost of funding earning assets | 0.3381% | 4,360 |
| Net interest margin | 4.7663% | 425 |
| Noninterest income to average assets | 0.7493% | 1,644 |
| Noninterest expense to average assets | 3.4365% | 1,092 |
| Loan and lease loss provision to assets | 0.3495% | 439 |
| Net operating income to assets | 1.1339% | 2,456 |
| Return on assets (ROA) | 1.1697% | 2,306 |
| Pretax return on assets | 1.5380% | 1,660 |
| Return on Equity (ROE) | 10.8981% | 2,125 |
| Retained earnings to average equity (ytd only) | 4.7286% | 2,921 |
| Net charge-offs to loans | -0.0667% | 5,050 |
| Credit loss provision to net charge-offs | -730.3571% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1020% | 3,014 |
| Assets per employee ($millions) | 3.7527% | 4,242 |
| Cash dividends to net income (ytd only)* | 56.6107% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 1,100 |
| Loan loss allowance to noncurrent loans | 156.5124% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 1.1409% | 1,162 |
| Noncurrent loans to loans | 1.0020% | 1,621 |
| Net loans and leases to total assets | 75.9978% | 1,615 |
| Net loans and leases to deposits | 90.9374% | 1,678 |
| Net loans and leases to core deposits | 100.2791% | 1,698 |
| Total domestic deposits to total assets | 83.5716% | 3,136 |
| Equity capital to assets | 10.8964% | 2,795 |
| Core capital (leverage) ratio | 11.5476% | 2,064 |
| Tier 1 risk-based capital ratio | 13.8649% | 3,354 |
| Total risk-based capital ratio | 15.1172% | 3,279 |
| Memoranda: | ||
| Average total assets | $117,038,000 | 3,838 |
| Average earning assets | $111,217,200 | 3,786 |
| Average equity | $12,561,800 | 3,948 |
| Average total loans | $83,954,800 | 3,593 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 872 |
| Cost of funding earning assets | 0.3108% | 4,445 |
| Net interest margin | 4.7261% | 444 |
| Noninterest income to average assets | 0.4094% | 3,425 |
| Noninterest expense to average assets | 3.3104% | 1,280 |
| Loan and lease loss provision to assets | 0.4690% | 254 |
| Net operating income to assets | 0.8557% | 3,713 |
| Return on assets (ROA) | 0.9345% | 3,376 |
| Pretax return on assets | 1.2109% | 2,949 |
| Return on Equity (ROE) | 8.7414% | 3,220 |
| Retained earnings to average equity (ytd only) | 0.4290% | 4,964 |
| Net charge-offs to loans | -0.3049% | 5,363 |
| Credit loss provision to net charge-offs | -218.7166% | 4,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6905% | 2,595 |
| Assets per employee ($millions) | 3.9475% | 3,970 |
| Cash dividends to net income (ytd only)* | 95.0922% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7876% | 743 |
| Loan loss allowance to noncurrent loans | 138.3072% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.6111% | 774 |
| Noncurrent loans to loans | 1.2925% | 1,298 |
| Net loans and leases to total assets | 73.5320% | 2,066 |
| Net loans and leases to deposits | 82.6054% | 2,758 |
| Net loans and leases to core deposits | 89.0444% | 2,741 |
| Total domestic deposits to total assets | 89.0159% | 841 |
| Equity capital to assets | 10.3727% | 3,260 |
| Core capital (leverage) ratio | 10.8970% | 2,678 |
| Tier 1 risk-based capital ratio | 13.6541% | 3,546 |
| Total risk-based capital ratio | 14.9086% | 3,455 |
| Memoranda: | ||
| Average total assets | $116,276,250 | 3,888 |
| Average earning assets | $110,250,500 | 3,840 |
| Average equity | $12,431,000 | 3,999 |
| Average total loans | $81,764,500 | 3,660 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8975% | 1,027 |
| Cost of funding earning assets | 0.2684% | 4,643 |
| Net interest margin | 4.6291% | 520 |
| Noninterest income to average assets | 0.4084% | 3,428 |
| Noninterest expense to average assets | 3.4199% | 1,115 |
| Loan and lease loss provision to assets | 0.7079% | 142 |
| Net operating income to assets | 0.5790% | 4,570 |
| Return on assets (ROA) | 0.7009% | 4,194 |
| Pretax return on assets | 0.8082% | 4,220 |
| Return on Equity (ROE) | 6.4904% | 4,067 |
| Retained earnings to average equity (ytd only) | -5.9295% | 5,323 |
| Net charge-offs to loans | 0.4228% | 367 |
| Credit loss provision to net charge-offs | 243.4524% | 1,162 |
| Earnings coverage of net charge-offs (x) | 4.7321% | 2,772 |
| Efficiency ratio | 71.3100% | 2,116 |
| Assets per employee ($millions) | 3.9531% | 3,979 |
| Cash dividends to net income (ytd only)* | 191.3580% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 1,615 |
| Loan loss allowance to noncurrent loans | 108.7533% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.5962% | 805 |
| Noncurrent loans to loans | 1.3202% | 1,294 |
| Net loans and leases to total assets | 71.2001% | 2,409 |
| Net loans and leases to deposits | 84.0473% | 2,532 |
| Net loans and leases to core deposits | 90.3971% | 2,538 |
| Total domestic deposits to total assets | 84.7142% | 2,790 |
| Equity capital to assets | 10.1186% | 3,523 |
| Core capital (leverage) ratio | 10.6675% | 2,847 |
| Tier 1 risk-based capital ratio | 13.3006% | 3,734 |
| Total risk-based capital ratio | 14.5508% | 3,657 |
| Memoranda: | ||
| Average total assets | $115,559,670 | 3,932 |
| Average earning assets | $109,525,670 | 3,879 |
| Average equity | $12,480,000 | 4,012 |
| Average total loans | $79,464,000 | 3,725 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7663% | 1,150 |
| Cost of funding earning assets | 0.1850% | 5,096 |
| Net interest margin | 4.5813% | 523 |
| Noninterest income to average assets | 0.3718% | 3,652 |
| Noninterest expense to average assets | 3.6688% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8173% | 3,635 |
| Return on assets (ROA) | 1.0417% | 2,703 |
| Pretax return on assets | 1.3293% | 2,253 |
| Return on Equity (ROE) | 9.3396% | 2,746 |
| Retained earnings to average equity (ytd only) | 9.3396% | 1,345 |
| Net charge-offs to loans | 0.1205% | 1,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 12.9565% | 1,778 |
| Efficiency ratio | 77.8274% | 1,368 |
| Assets per employee ($millions) | 3.9548% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,469 |
| Loan loss allowance to noncurrent loans | 72.7410% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.4314% | 1,001 |
| Noncurrent loans to loans | 1.7297% | 987 |
| Net loans and leases to total assets | 68.4632% | 2,706 |
| Net loans and leases to deposits | 79.8576% | 2,824 |
| Net loans and leases to core deposits | 81.6298% | 3,174 |
| Total domestic deposits to total assets | 85.7316% | 2,663 |
| Equity capital to assets | 11.4238% | 2,198 |
| Core capital (leverage) ratio | 11.7081% | 1,842 |
| Tier 1 risk-based capital ratio | 16.0133% | 2,466 |
| Total risk-based capital ratio | 17.1843% | 2,447 |
| Memoranda: | ||
| Average total assets | $114,042,500 | 3,992 |
| Average earning assets | $108,091,500 | 3,947 |
| Average equity | $12,720,000 | 4,012 |
| Average total loans | $76,361,500 | 3,824 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 2,105 |
| Cost of funding earning assets | 0.1797% | 5,094 |
| Net interest margin | 4.1931% | 1,200 |
| Noninterest income to average assets | 0.3420% | 4,019 |
| Noninterest expense to average assets | 3.2944% | 1,383 |
| Loan and lease loss provision to assets | 0.1381% | 1,655 |
| Net operating income to assets | 0.6557% | 3,797 |
| Return on assets (ROA) | 0.7143% | 3,593 |
| Pretax return on assets | 1.0007% | 3,566 |
| Return on Equity (ROE) | 6.4144% | 3,572 |
| Retained earnings to average equity (ytd only) | -8.7139% | 5,512 |
| Net charge-offs to loans | -0.0776% | 5,309 |
| Credit loss provision to net charge-offs | -309.4340% | 4,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7212% | 1,663 |
| Assets per employee ($millions) | 4.0466% | 3,886 |
| Cash dividends to net income (ytd only)* | 235.8491% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,207 |
| Loan loss allowance to noncurrent loans | 59.3637% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.6387% | 801 |
| Noncurrent loans to loans | 2.1937% | 664 |
| Net loans and leases to total assets | 63.8733% | 3,383 |
| Net loans and leases to deposits | 71.7612% | 3,723 |
| Net loans and leases to core deposits | 73.2335% | 3,950 |
| Total domestic deposits to total assets | 89.0082% | 1,002 |
| Equity capital to assets | 10.8989% | 2,731 |
| Core capital (leverage) ratio | 11.7987% | 1,727 |
| Tier 1 risk-based capital ratio | 15.0750% | 2,814 |
| Total risk-based capital ratio | 16.2319% | 2,787 |
| Memoranda: | ||
| Average total assets | $118,717,600 | 3,917 |
| Average earning assets | $113,494,800 | 3,852 |
| Average equity | $13,220,200 | 3,956 |
| Average total loans | $68,303,200 | 4,005 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 2,372 |
| Cost of funding earning assets | 0.1880% | 5,069 |
| Net interest margin | 4.0794% | 1,448 |
| Noninterest income to average assets | 0.3427% | 4,086 |
| Noninterest expense to average assets | 3.1681% | 1,638 |
| Loan and lease loss provision to assets | 0.1837% | 1,077 |
| Net operating income to assets | 0.6635% | 4,143 |
| Return on assets (ROA) | 0.7436% | 3,833 |
| Pretax return on assets | 1.0124% | 3,640 |
| Return on Equity (ROE) | 6.6426% | 3,842 |
| Retained earnings to average equity (ytd only) | -13.3653% | 5,646 |
| Net charge-offs to loans | -0.0984% | 5,375 |
| Credit loss provision to net charge-offs | -334.6939% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4670% | 1,821 |
| Assets per employee ($millions) | 3.7146% | 4,428 |
| Cash dividends to net income (ytd only)* | 301.2052% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 1,953 |
| Loan loss allowance to noncurrent loans | 46.9719% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 2.1124% | 599 |
| Noncurrent loans to loans | 2.9492% | 445 |
| Net loans and leases to total assets | 62.9211% | 3,558 |
| Net loans and leases to deposits | 71.3887% | 3,838 |
| Net loans and leases to core deposits | 72.9469% | 4,067 |
| Total domestic deposits to total assets | 88.1387% | 1,289 |
| Equity capital to assets | 11.5167% | 2,350 |
| Core capital (leverage) ratio | 11.0445% | 2,413 |
| Tier 1 risk-based capital ratio | 15.4826% | 2,710 |
| Total risk-based capital ratio | 16.6819% | 2,679 |
| Memoranda: | ||
| Average total assets | $119,059,250 | 3,950 |
| Average earning assets | $114,164,000 | 3,881 |
| Average equity | $13,327,750 | 3,978 |
| Average total loans | $66,392,750 | 4,074 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,248 |
| Cost of funding earning assets | 0.2018% | 4,960 |
| Net interest margin | 3.7861% | 2,340 |
| Noninterest income to average assets | 0.3569% | 4,006 |
| Noninterest expense to average assets | 3.2961% | 1,377 |
| Loan and lease loss provision to assets | 0.1464% | 1,388 |
| Net operating income to assets | 0.4593% | 4,829 |
| Return on assets (ROA) | 0.5016% | 4,739 |
| Pretax return on assets | 0.6069% | 4,788 |
| Return on Equity (ROE) | 4.5211% | 4,654 |
| Retained earnings to average equity (ytd only) | -25.1254% | 5,734 |
| Net charge-offs to loans | -0.0123% | 4,602 |
| Credit loss provision to net charge-offs | -2,225.0000% | 4,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4352% | 964 |
| Assets per employee ($millions) | 4.4680% | 3,162 |
| Cash dividends to net income (ytd only)* | 655.7377% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,673 |
| Loan loss allowance to noncurrent loans | 33.1291% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 2.3774% | 480 |
| Noncurrent loans to loans | 3.7803% | 273 |
| Net loans and leases to total assets | 56.5366% | 4,164 |
| Net loans and leases to deposits | 65.2995% | 4,274 |
| Net loans and leases to core deposits | 66.6361% | 4,433 |
| Total domestic deposits to total assets | 86.5804% | 2,137 |
| Equity capital to assets | 10.4736% | 3,379 |
| Core capital (leverage) ratio | 10.1382% | 3,353 |
| Tier 1 risk-based capital ratio | 14.7550% | 3,033 |
| Total risk-based capital ratio | 15.7878% | 3,069 |
| Memoranda: | ||
| Average total assets | $121,599,670 | 3,939 |
| Average earning assets | $116,954,000 | 3,856 |
| Average equity | $13,492,330 | 3,960 |
| Average total loans | $64,822,670 | 4,127 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8105% | 3,732 |
| Cost of funding earning assets | 0.1982% | 4,996 |
| Net interest margin | 3.6123% | 2,842 |
| Noninterest income to average assets | 0.2949% | 4,440 |
| Noninterest expense to average assets | 3.4993% | 1,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2883% | 5,222 |
| Return on assets (ROA) | 0.2883% | 5,238 |
| Pretax return on assets | 0.2588% | 5,365 |
| Return on Equity (ROE) | 2.5286% | 5,221 |
| Retained earnings to average equity (ytd only) | 2.5286% | 4,129 |
| Net charge-offs to loans | -0.0383% | 5,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1125% | 413 |
| Assets per employee ($millions) | 4.4816% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 2,875 |
| Loan loss allowance to noncurrent loans | 34.6394% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 2.0685% | 633 |
| Noncurrent loans to loans | 3.5883% | 327 |
| Net loans and leases to total assets | 51.0855% | 4,588 |
| Net loans and leases to deposits | 57.9715% | 4,698 |
| Net loans and leases to core deposits | 59.1327% | 4,822 |
| Total domestic deposits to total assets | 88.1218% | 1,647 |
| Equity capital to assets | 11.6948% | 2,042 |
| Core capital (leverage) ratio | 11.4272% | 2,002 |
| Tier 1 risk-based capital ratio | 17.9702% | 1,889 |
| Total risk-based capital ratio | 18.9589% | 1,931 |
| Memoranda: | ||
| Average total assets | $122,081,000 | 3,962 |
| Average earning assets | $117,046,000 | 3,894 |
| Average equity | $13,921,000 | 3,932 |
| Average total loans | $62,699,500 | 4,216 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9474% | 3,394 |
| Cost of funding earning assets | 0.2145% | 4,889 |
| Net interest margin | 3.7329% | 2,564 |
| Noninterest income to average assets | 0.2939% | 4,637 |
| Noninterest expense to average assets | 2.7919% | 3,050 |
| Loan and lease loss provision to assets | 0.2171% | 1,021 |
| Net operating income to assets | 0.6440% | 4,024 |
| Return on assets (ROA) | 0.6662% | 4,038 |
| Pretax return on assets | 0.8741% | 3,927 |
| Return on Equity (ROE) | 5.5390% | 4,192 |
| Retained earnings to average equity (ytd only) | 1.2147% | 4,801 |
| Net charge-offs to loans | 0.4984% | 495 |
| Credit loss provision to net charge-offs | 88.1356% | 2,839 |
| Earnings coverage of net charge-offs (x) | 4.3119% | 3,515 |
| Efficiency ratio | 72.4437% | 2,521 |
| Assets per employee ($millions) | 4.3985% | 3,278 |
| Cash dividends to net income (ytd only)* | 78.0702% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,944 |
| Loan loss allowance to noncurrent loans | 35.5106% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 2.1566% | 609 |
| Noncurrent loans to loans | 3.4615% | 349 |
| Net loans and leases to total assets | 50.3690% | 4,740 |
| Net loans and leases to deposits | 56.7412% | 4,869 |
| Net loans and leases to core deposits | 57.7034% | 4,988 |
| Total domestic deposits to total assets | 88.7698% | 1,218 |
| Equity capital to assets | 11.1165% | 2,521 |
| Core capital (leverage) ratio | 11.1143% | 2,242 |
| Tier 1 risk-based capital ratio | 18.1769% | 1,806 |
| Total risk-based capital ratio | 19.1755% | 1,831 |
| Memoranda: | ||
| Average total assets | $119,775,000 | 4,005 |
| Average earning assets | $114,226,200 | 3,925 |
| Average equity | $14,407,000 | 3,890 |
| Average total loans | $59,188,200 | 4,327 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 3,835 |
| Cost of funding earning assets | 0.2173% | 4,903 |
| Net interest margin | 3.6124% | 3,024 |
| Noninterest income to average assets | 0.2982% | 4,630 |
| Noninterest expense to average assets | 2.8543% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6656% | 4,018 |
| Return on assets (ROA) | 0.6951% | 4,010 |
| Pretax return on assets | 0.9305% | 3,873 |
| Return on Equity (ROE) | 5.6674% | 4,231 |
| Retained earnings to average equity (ytd only) | -0.0274% | 5,354 |
| Net charge-offs to loans | 0.1235% | 1,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 14.7218% | 2,225 |
| Efficiency ratio | 76.2047% | 1,945 |
| Assets per employee ($millions) | 4.2045% | 3,582 |
| Cash dividends to net income (ytd only)* | 100.4839% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 3,214 |
| Loan loss allowance to noncurrent loans | 28.0030% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 2.6007% | 513 |
| Noncurrent loans to loans | 4.2996% | 238 |
| Net loans and leases to total assets | 50.6746% | 4,770 |
| Net loans and leases to deposits | 58.0622% | 4,874 |
| Net loans and leases to core deposits | 59.0730% | 4,992 |
| Total domestic deposits to total assets | 87.2764% | 1,767 |
| Equity capital to assets | 12.2110% | 1,976 |
| Core capital (leverage) ratio | 11.3733% | 2,135 |
| Tier 1 risk-based capital ratio | 17.7778% | 1,983 |
| Total risk-based capital ratio | 18.7427% | 2,044 |
| Memoranda: | ||
| Average total assets | $118,929,000 | 4,041 |
| Average earning assets | $113,495,750 | 3,962 |
| Average equity | $14,586,000 | 3,899 |
| Average total loans | $58,283,750 | 4,377 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 4,008 |
| Cost of funding earning assets | 0.2203% | 4,933 |
| Net interest margin | 3.5643% | 3,235 |
| Noninterest income to average assets | 0.2578% | 4,936 |
| Noninterest expense to average assets | 2.8119% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6351% | 4,119 |
| Return on assets (ROA) | 0.6580% | 4,152 |
| Pretax return on assets | 0.8785% | 4,029 |
| Return on Equity (ROE) | 5.3573% | 4,353 |
| Retained earnings to average equity (ytd only) | -3.2447% | 5,652 |
| Net charge-offs to loans | 0.1970% | 1,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.9286% | 2,467 |
| Efficiency ratio | 76.8304% | 1,955 |
| Assets per employee ($millions) | 4.1001% | 3,738 |
| Cash dividends to net income (ytd only)* | 160.5670% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 3,046 |
| Loan loss allowance to noncurrent loans | 27.1609% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 2.7308% | 473 |
| Noncurrent loans to loans | 4.6197% | 210 |
| Net loans and leases to total assets | 49.7056% | 4,859 |
| Net loans and leases to deposits | 58.9084% | 4,858 |
| Net loans and leases to core deposits | 60.9540% | 4,938 |
| Total domestic deposits to total assets | 84.3779% | 3,127 |
| Equity capital to assets | 12.4514% | 1,809 |
| Core capital (leverage) ratio | 11.7408% | 1,819 |
| Tier 1 risk-based capital ratio | 18.5077% | 1,801 |
| Total risk-based capital ratio | 19.5265% | 1,822 |
| Memoranda: | ||
| Average total assets | $117,928,330 | 4,091 |
| Average earning assets | $112,561,670 | 4,003 |
| Average equity | $14,485,000 | 3,933 |
| Average total loans | $56,864,670 | 4,441 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 4,109 |
| Cost of funding earning assets | 0.2179% | 5,026 |
| Net interest margin | 3.5399% | 3,322 |
| Noninterest income to average assets | 0.2997% | 4,588 |
| Noninterest expense to average assets | 2.9496% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5715% | 4,305 |
| Return on assets (ROA) | 0.6199% | 4,213 |
| Pretax return on assets | 0.7868% | 4,240 |
| Return on Equity (ROE) | 5.0820% | 4,445 |
| Retained earnings to average equity (ytd only) | -12.3141% | 5,865 |
| Net charge-offs to loans | -0.0506% | 5,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2595% | 1,573 |
| Assets per employee ($millions) | 4.2697% | 3,455 |
| Cash dividends to net income (ytd only)* | 342.3077% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 2,189 |
| Loan loss allowance to noncurrent loans | 28.5514% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 2.8912% | 449 |
| Noncurrent loans to loans | 5.0847% | 188 |
| Net loans and leases to total assets | 47.9316% | 4,973 |
| Net loans and leases to deposits | 54.9368% | 5,043 |
| Net loans and leases to core deposits | 56.8378% | 5,095 |
| Total domestic deposits to total assets | 87.2485% | 2,076 |
| Equity capital to assets | 12.3550% | 1,780 |
| Core capital (leverage) ratio | 11.5237% | 1,956 |
| Tier 1 risk-based capital ratio | 18.5796% | 1,831 |
| Total risk-based capital ratio | 19.7052% | 1,824 |
| Memoranda: | ||
| Average total assets | $117,441,500 | 4,130 |
| Average earning assets | $111,979,000 | 4,047 |
| Average equity | $14,325,000 | 3,964 |
| Average total loans | $55,371,000 | 4,519 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 3,427 |
| Cost of funding earning assets | 0.2278% | 5,028 |
| Net interest margin | 3.7438% | 2,582 |
| Noninterest income to average assets | 0.4676% | 3,545 |
| Noninterest expense to average assets | 2.6402% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9945% | 2,392 |
| Return on assets (ROA) | 1.0574% | 2,178 |
| Pretax return on assets | 1.4716% | 1,646 |
| Return on Equity (ROE) | 8.9813% | 2,465 |
| Retained earnings to average equity (ytd only) | 8.9813% | 655 |
| Net charge-offs to loans | 0.6808% | 352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 4.8398% | 3,482 |
| Efficiency ratio | 65.6052% | 3,967 |
| Assets per employee ($millions) | 4.4297% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 2,117 |
| Loan loss allowance to noncurrent loans | 28.2761% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 2.7893% | 506 |
| Noncurrent loans to loans | 5.2202% | 178 |
| Net loans and leases to total assets | 45.0369% | 5,223 |
| Net loans and leases to deposits | 51.4239% | 5,315 |
| Net loans and leases to core deposits | 53.1507% | 5,364 |
| Total domestic deposits to total assets | 87.5796% | 1,856 |
| Equity capital to assets | 12.0458% | 1,922 |
| Core capital (leverage) ratio | 11.6150% | 1,881 |
| Tier 1 risk-based capital ratio | 19.1383% | 1,674 |
| Total risk-based capital ratio | 20.2513% | 1,661 |
| Memoranda: | ||
| Average total assets | $117,832,000 | 4,101 |
| Average earning assets | $111,943,600 | 4,037 |
| Average equity | $13,873,200 | 3,998 |
| Average total loans | $49,502,400 | 4,687 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 3,050 |
| Cost of funding earning assets | 0.2307% | 5,085 |
| Net interest margin | 3.8423% | 2,227 |
| Noninterest income to average assets | 0.5440% | 3,079 |
| Noninterest expense to average assets | 2.6884% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0686% | 2,138 |
| Return on assets (ROA) | 1.1517% | 1,891 |
| Pretax return on assets | 1.6242% | 1,315 |
| Return on Equity (ROE) | 9.8398% | 2,169 |
| Retained earnings to average equity (ytd only) | 9.8398% | 664 |
| Net charge-offs to loans | 0.9348% | 206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.9260% | 3,432 |
| Efficiency ratio | 64.0769% | 4,233 |
| Assets per employee ($millions) | 4.4099% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6083% | 1,761 |
| Loan loss allowance to noncurrent loans | 39.1642% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 2.1333% | 922 |
| Noncurrent loans to loans | 4.1066% | 303 |
| Net loans and leases to total assets | 41.4128% | 5,520 |
| Net loans and leases to deposits | 47.2956% | 5,604 |
| Net loans and leases to core deposits | 49.3781% | 5,597 |
| Total domestic deposits to total assets | 87.5616% | 1,771 |
| Equity capital to assets | 12.0100% | 2,098 |
| Core capital (leverage) ratio | 11.9194% | 1,721 |
| Tier 1 risk-based capital ratio | 19.9075% | 1,575 |
| Total risk-based capital ratio | 21.0834% | 1,554 |
| Memoranda: | ||
| Average total assets | $117,389,500 | 4,155 |
| Average earning assets | $111,562,500 | 4,092 |
| Average equity | $13,739,750 | 4,061 |
| Average total loans | $48,210,000 | 4,780 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 2,437 |
| Cost of funding earning assets | 0.2376% | 5,075 |
| Net interest margin | 3.9908% | 1,662 |
| Noninterest income to average assets | 0.6557% | 2,449 |
| Noninterest expense to average assets | 2.6705% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2476% | 1,473 |
| Return on assets (ROA) | 1.2788% | 1,441 |
| Pretax return on assets | 1.8249% | 856 |
| Return on Equity (ROE) | 11.0234% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.0234% | 504 |
| Net charge-offs to loans | 1.4167% | 125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.0861% | 3,244 |
| Efficiency ratio | 60.0000% | 4,978 |
| Assets per employee ($millions) | 4.1968% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 1,765 |
| Loan loss allowance to noncurrent loans | 38.5755% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 2.2716% | 900 |
| Noncurrent loans to loans | 4.2616% | 331 |
| Net loans and leases to total assets | 42.6090% | 5,462 |
| Net loans and leases to deposits | 49.5195% | 5,530 |
| Net loans and leases to core deposits | 52.4206% | 5,517 |
| Total domestic deposits to total assets | 86.0450% | 2,675 |
| Equity capital to assets | 12.1071% | 1,944 |
| Core capital (leverage) ratio | 11.5006% | 1,989 |
| Tier 1 risk-based capital ratio | 19.0255% | 1,785 |
| Total risk-based capital ratio | 20.1732% | 1,775 |
| Memoranda: | ||
| Average total assets | $116,830,330 | 4,206 |
| Average earning assets | $111,106,670 | 4,132 |
| Average equity | $13,553,000 | 4,112 |
| Average total loans | $47,575,000 | 4,833 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 4,655 |
| Cost of funding earning assets | 0.2348% | 5,167 |
| Net interest margin | 3.3766% | 3,929 |
| Noninterest income to average assets | 0.3204% | 4,625 |
| Noninterest expense to average assets | 2.8063% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5753% | 4,385 |
| Return on assets (ROA) | 0.6409% | 4,206 |
| Pretax return on assets | 0.7960% | 4,256 |
| Return on Equity (ROE) | 5.6422% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.6422% | 2,685 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6935% | 1,933 |
| Assets per employee ($millions) | 4.2405% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4210% | 595 |
| Loan loss allowance to noncurrent loans | 64.0179% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 2.6875% | 753 |
| Noncurrent loans to loans | 3.7818% | 479 |
| Net loans and leases to total assets | 40.2720% | 5,584 |
| Net loans and leases to deposits | 46.5155% | 5,639 |
| Net loans and leases to core deposits | 50.0174% | 5,593 |
| Total domestic deposits to total assets | 86.5775% | 2,621 |
| Equity capital to assets | 11.9639% | 2,053 |
| Core capital (leverage) ratio | 10.8253% | 2,596 |
| Tier 1 risk-based capital ratio | 20.9521% | 1,434 |
| Total risk-based capital ratio | 22.2104% | 1,408 |
| Memoranda: | ||
| Average total assets | $118,588,500 | 4,209 |
| Average earning assets | $112,421,000 | 4,136 |
| Average equity | $13,470,000 | 4,154 |
| Average total loans | $46,818,000 | 4,886 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8329% | 4,381 |
| Cost of funding earning assets | 0.2733% | 5,062 |
| Net interest margin | 3.5596% | 3,556 |
| Noninterest income to average assets | 0.3583% | 4,536 |
| Noninterest expense to average assets | 2.7181% | 3,803 |
| Loan and lease loss provision to assets | -0.1124% | 6,168 |
| Net operating income to assets | 0.8125% | 3,313 |
| Return on assets (ROA) | 0.8352% | 3,291 |
| Pretax return on assets | 1.1233% | 2,995 |
| Return on Equity (ROE) | 7.5724% | 3,337 |
| Retained earnings to average equity (ytd only) | 4.7855% | 2,772 |
| Net charge-offs to loans | 0.1152% | 2,880 |
| Credit loss provision to net charge-offs | -246.1538% | 5,672 |
| Earnings coverage of net charge-offs (x) | 21.4615% | 1,676 |
| Efficiency ratio | 73.4980% | 2,931 |
| Assets per employee ($millions) | 4.5438% | 2,963 |
| Cash dividends to net income (ytd only)* | 36.8034% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4664% | 577 |
| Loan loss allowance to noncurrent loans | 61.6712% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 2.6295% | 857 |
| Noncurrent loans to loans | 3.9993% | 465 |
| Net loans and leases to total assets | 36.8747% | 5,906 |
| Net loans and leases to deposits | 41.4675% | 5,987 |
| Net loans and leases to core deposits | 44.5753% | 5,940 |
| Total domestic deposits to total assets | 88.9243% | 1,278 |
| Equity capital to assets | 10.7937% | 3,127 |
| Core capital (leverage) ratio | 10.2666% | 3,220 |
| Tier 1 risk-based capital ratio | 21.1614% | 1,372 |
| Total risk-based capital ratio | 22.4195% | 1,342 |
| Memoranda: | ||
| Average total assets | $113,865,000 | 4,305 |
| Average earning assets | $106,838,800 | 4,249 |
| Average equity | $12,558,800 | 4,269 |
| Average total loans | $45,121,800 | 4,991 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 4,155 |
| Cost of funding earning assets | 0.2829% | 5,063 |
| Net interest margin | 3.6229% | 3,338 |
| Noninterest income to average assets | 0.3785% | 4,407 |
| Noninterest expense to average assets | 2.8168% | 3,397 |
| Loan and lease loss provision to assets | -0.1528% | 6,350 |
| Net operating income to assets | 0.8231% | 3,323 |
| Return on assets (ROA) | 0.8514% | 3,264 |
| Pretax return on assets | 1.1475% | 3,001 |
| Return on Equity (ROE) | 7.6739% | 3,376 |
| Retained earnings to average equity (ytd only) | 3.9069% | 3,872 |
| Net charge-offs to loans | 0.1637% | 2,162 |
| Credit loss provision to net charge-offs | -232.7273% | 5,601 |
| Earnings coverage of net charge-offs (x) | 14.5639% | 2,135 |
| Efficiency ratio | 74.6519% | 2,708 |
| Assets per employee ($millions) | 4.0412% | 3,790 |
| Cash dividends to net income (ytd only)* | 49.0890% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3758% | 757 |
| Loan loss allowance to noncurrent loans | 60.5626% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 2.7774% | 886 |
| Noncurrent loans to loans | 3.9230% | 552 |
| Net loans and leases to total assets | 40.0051% | 5,814 |
| Net loans and leases to deposits | 45.0669% | 5,924 |
| Net loans and leases to core deposits | 48.6182% | 5,855 |
| Total domestic deposits to total assets | 88.7683% | 1,368 |
| Equity capital to assets | 10.9894% | 2,965 |
| Core capital (leverage) ratio | 10.7338% | 2,784 |
| Tier 1 risk-based capital ratio | 20.4343% | 1,569 |
| Total risk-based capital ratio | 21.6925% | 1,530 |
| Memoranda: | ||
| Average total assets | $111,660,500 | 4,387 |
| Average earning assets | $104,627,250 | 4,334 |
| Average equity | $12,388,000 | 4,311 |
| Average total loans | $44,806,500 | 5,056 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8574% | 4,303 |
| Cost of funding earning assets | 0.2919% | 5,049 |
| Net interest margin | 3.5655% | 3,507 |
| Noninterest income to average assets | 0.3897% | 4,316 |
| Noninterest expense to average assets | 2.8775% | 3,248 |
| Loan and lease loss provision to assets | -0.2331% | 6,495 |
| Net operating income to assets | 0.8056% | 3,298 |
| Return on assets (ROA) | 0.8487% | 3,182 |
| Pretax return on assets | 1.1401% | 2,930 |
| Return on Equity (ROE) | 7.6241% | 3,308 |
| Retained earnings to average equity (ytd only) | 1.8979% | 4,934 |
| Net charge-offs to loans | 0.0137% | 3,963 |
| Credit loss provision to net charge-offs | -4,266.6667% | 5,898 |
| Earnings coverage of net charge-offs (x) | 155.3333% | 397 |
| Efficiency ratio | 77.2239% | 2,419 |
| Assets per employee ($millions) | 3.7833% | 4,293 |
| Cash dividends to net income (ytd only)* | 75.1073% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6412% | 581 |
| Loan loss allowance to noncurrent loans | 57.3558% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 3.0716% | 827 |
| Noncurrent loans to loans | 4.6049% | 466 |
| Net loans and leases to total assets | 40.0820% | 5,807 |
| Net loans and leases to deposits | 45.4251% | 5,912 |
| Net loans and leases to core deposits | 49.2927% | 5,834 |
| Total domestic deposits to total assets | 88.2377% | 1,763 |
| Equity capital to assets | 11.5517% | 2,375 |
| Core capital (leverage) ratio | 11.0231% | 2,408 |
| Tier 1 risk-based capital ratio | 21.4325% | 1,360 |
| Total risk-based capital ratio | 22.6924% | 1,333 |
| Memoranda: | ||
| Average total assets | $109,815,670 | 4,450 |
| Average earning assets | $102,763,000 | 4,396 |
| Average equity | $12,224,330 | 4,354 |
| Average total loans | $43,733,670 | 5,137 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7854% | 4,550 |
| Cost of funding earning assets | 0.2873% | 5,196 |
| Net interest margin | 3.4981% | 3,696 |
| Noninterest income to average assets | 0.3386% | 4,668 |
| Noninterest expense to average assets | 2.8143% | 3,510 |
| Loan and lease loss provision to assets | -0.1820% | 6,556 |
| Net operating income to assets | 0.7499% | 3,419 |
| Return on assets (ROA) | 0.7609% | 3,437 |
| Pretax return on assets | 1.0012% | 3,311 |
| Return on Equity (ROE) | 6.9670% | 3,495 |
| Retained earnings to average equity (ytd only) | 6.9670% | 2,065 |
| Net charge-offs to loans | 0.0372% | 2,864 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,384 |
| Earnings coverage of net charge-offs (x) | 55.2500% | 699 |
| Efficiency ratio | 77.7666% | 2,507 |
| Assets per employee ($millions) | 3.8664% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9650% | 452 |
| Loan loss allowance to noncurrent loans | 58.2836% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 3.2044% | 845 |
| Noncurrent loans to loans | 5.0872% | 433 |
| Net loans and leases to total assets | 38.3925% | 5,915 |
| Net loans and leases to deposits | 43.9671% | 5,977 |
| Net loans and leases to core deposits | 48.3639% | 5,853 |
| Total domestic deposits to total assets | 87.3210% | 2,619 |
| Equity capital to assets | 11.3525% | 2,374 |
| Core capital (leverage) ratio | 11.1524% | 2,264 |
| Tier 1 risk-based capital ratio | 22.0821% | 1,282 |
| Total risk-based capital ratio | 23.3451% | 1,256 |
| Memoranda: | ||
| Average total assets | $109,866,000 | 4,489 |
| Average earning assets | $103,028,500 | 4,429 |
| Average equity | $11,999,500 | 4,420 |
| Average total loans | $43,016,000 | 5,206 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8276% | 4,704 |
| Cost of funding earning assets | 0.3144% | 5,474 |
| Net interest margin | 3.5131% | 3,838 |
| Noninterest income to average assets | 0.3920% | 4,507 |
| Noninterest expense to average assets | 2.8361% | 3,591 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6432% | 4,061 |
| Return on assets (ROA) | 0.6524% | 4,125 |
| Pretax return on assets | 0.8475% | 3,971 |
| Return on Equity (ROE) | 5.9380% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.9380% | 2,010 |
| Net charge-offs to loans | 0.0111% | 5,229 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 181.6000% | 253 |
| Efficiency ratio | 77.2431% | 2,585 |
| Assets per employee ($millions) | 3.8439% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0649% | 433 |
| Loan loss allowance to noncurrent loans | 62.5709% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 3.0554% | 1,023 |
| Noncurrent loans to loans | 4.8983% | 528 |
| Net loans and leases to total assets | 37.5648% | 6,123 |
| Net loans and leases to deposits | 42.0808% | 6,220 |
| Net loans and leases to core deposits | 46.2646% | 6,125 |
| Total domestic deposits to total assets | 89.2683% | 1,449 |
| Equity capital to assets | 10.5038% | 3,153 |
| Core capital (leverage) ratio | 10.5454% | 2,855 |
| Tier 1 risk-based capital ratio | 21.2176% | 1,383 |
| Total risk-based capital ratio | 22.4803% | 1,362 |
| Memoranda: | ||
| Average total assets | $108,670,000 | 4,530 |
| Average earning assets | $101,448,400 | 4,474 |
| Average equity | $11,940,000 | 4,452 |
| Average total loans | $44,894,400 | 5,154 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8410% | 4,695 |
| Cost of funding earning assets | 0.3160% | 5,591 |
| Net interest margin | 3.5250% | 3,776 |
| Noninterest income to average assets | 0.3964% | 4,558 |
| Noninterest expense to average assets | 2.8118% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6658% | 4,035 |
| Return on assets (ROA) | 0.6780% | 4,112 |
| Pretax return on assets | 0.8928% | 3,919 |
| Return on Equity (ROE) | 6.1010% | 4,134 |
| Retained earnings to average equity (ytd only) | 6.1010% | 2,346 |
| Net charge-offs to loans | -0.0353% | 6,205 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2303% | 2,694 |
| Assets per employee ($millions) | 4.0146% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0491% | 521 |
| Loan loss allowance to noncurrent loans | 61.2329% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 3.0958% | 1,186 |
| Noncurrent loans to loans | 4.9795% | 602 |
| Net loans and leases to total assets | 37.9317% | 6,176 |
| Net loans and leases to deposits | 42.5607% | 6,279 |
| Net loans and leases to core deposits | 46.7553% | 6,181 |
| Total domestic deposits to total assets | 89.1237% | 1,498 |
| Equity capital to assets | 10.6236% | 3,137 |
| Core capital (leverage) ratio | 10.9178% | 2,558 |
| Tier 1 risk-based capital ratio | 20.7373% | 1,550 |
| Total risk-based capital ratio | 22.0005% | 1,521 |
| Memoranda: | ||
| Average total assets | $107,969,000 | 4,592 |
| Average earning assets | $100,839,500 | 4,531 |
| Average equity | $11,997,750 | 4,493 |
| Average total loans | $45,318,250 | 5,192 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9155% | 4,421 |
| Cost of funding earning assets | 0.3335% | 5,536 |
| Net interest margin | 3.5820% | 3,443 |
| Noninterest income to average assets | 0.4076% | 4,468 |
| Noninterest expense to average assets | 2.8604% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6764% | 3,925 |
| Return on assets (ROA) | 0.6949% | 4,002 |
| Pretax return on assets | 0.9203% | 3,835 |
| Return on Equity (ROE) | 6.1583% | 4,069 |
| Retained earnings to average equity (ytd only) | 6.1583% | 2,343 |
| Net charge-offs to loans | -0.0087% | 5,744 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1500% | 2,763 |
| Assets per employee ($millions) | 3.6551% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8890% | 650 |
| Loan loss allowance to noncurrent loans | 70.2004% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 3.1130% | 1,286 |
| Noncurrent loans to loans | 4.1154% | 928 |
| Net loans and leases to total assets | 43.7153% | 5,763 |
| Net loans and leases to deposits | 49.3019% | 5,898 |
| Net loans and leases to core deposits | 54.8257% | 5,686 |
| Total domestic deposits to total assets | 88.6686% | 1,796 |
| Equity capital to assets | 11.1633% | 2,595 |
| Core capital (leverage) ratio | 10.9676% | 2,387 |
| Tier 1 risk-based capital ratio | 20.6257% | 1,585 |
| Total risk-based capital ratio | 21.8889% | 1,547 |
| Memoranda: | ||
| Average total assets | $106,488,670 | 4,655 |
| Average earning assets | $99,552,330 | 4,598 |
| Average equity | $12,016,330 | 4,528 |
| Average total loans | $45,764,330 | 5,199 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7013% | 5,159 |
| Cost of funding earning assets | 0.3536% | 5,497 |
| Net interest margin | 3.3477% | 4,327 |
| Noninterest income to average assets | 0.4164% | 4,339 |
| Noninterest expense to average assets | 2.7082% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6485% | 3,971 |
| Return on assets (ROA) | 0.6485% | 4,129 |
| Pretax return on assets | 0.8474% | 3,962 |
| Return on Equity (ROE) | 5.7180% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.7180% | 2,830 |
| Net charge-offs to loans | -0.0175% | 5,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1658% | 2,896 |
| Assets per employee ($millions) | 3.5835% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9172% | 719 |
| Loan loss allowance to noncurrent loans | 46.4086% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 3.0519% | 1,458 |
| Noncurrent loans to loans | 6.2859% | 515 |
| Net loans and leases to total assets | 41.2024% | 5,902 |
| Net loans and leases to deposits | 46.8081% | 6,004 |
| Net loans and leases to core deposits | 51.8823% | 5,833 |
| Total domestic deposits to total assets | 88.0239% | 2,293 |
| Equity capital to assets | 11.4747% | 2,434 |
| Core capital (leverage) ratio | 10.5864% | 2,669 |
| Tier 1 risk-based capital ratio | 20.7523% | 1,598 |
| Total risk-based capital ratio | 22.0158% | 1,568 |
| Memoranda: | ||
| Average total assets | $108,561,000 | 4,646 |
| Average earning assets | $101,802,000 | 4,569 |
| Average equity | $12,312,000 | 4,515 |
| Average total loans | $45,611,000 | 5,228 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2951% | 4,209 |
| Cost of funding earning assets | 0.4244% | 5,757 |
| Net interest margin | 3.8707% | 2,943 |
| Noninterest income to average assets | 0.1988% | 6,001 |
| Noninterest expense to average assets | 2.9585% | 3,435 |
| Loan and lease loss provision to assets | 0.5370% | 1,075 |
| Net operating income to assets | 0.2952% | 5,488 |
| Return on assets (ROA) | 0.4588% | 5,095 |
| Pretax return on assets | 0.5116% | 5,248 |
| Return on Equity (ROE) | 4.0614% | 5,115 |
| Retained earnings to average equity (ytd only) | 4.0614% | 3,358 |
| Net charge-offs to loans | 0.6740% | 1,749 |
| Credit loss provision to net charge-offs | 179.8107% | 1,462 |
| Earnings coverage of net charge-offs (x) | 2.9022% | 3,976 |
| Efficiency ratio | 77.3399% | 2,542 |
| Assets per employee ($millions) | 3.7799% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9147% | 726 |
| Loan loss allowance to noncurrent loans | 43.4172% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 3.3043% | 1,390 |
| Noncurrent loans to loans | 6.7133% | 484 |
| Net loans and leases to total assets | 40.3837% | 6,146 |
| Net loans and leases to deposits | 45.5830% | 6,277 |
| Net loans and leases to core deposits | 50.5845% | 6,117 |
| Total domestic deposits to total assets | 88.5938% | 1,841 |
| Equity capital to assets | 11.2100% | 2,723 |
| Core capital (leverage) ratio | 10.1305% | 3,233 |
| Tier 1 risk-based capital ratio | 20.2125% | 1,625 |
| Total risk-based capital ratio | 21.4767% | 1,595 |
| Memoranda: | ||
| Average total assets | $106,136,000 | 4,674 |
| Average earning assets | $99,439,600 | 4,606 |
| Average equity | $11,990,800 | 4,566 |
| Average total loans | $47,031,200 | 5,210 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4024% | 4,037 |
| Cost of funding earning assets | 0.4379% | 5,880 |
| Net interest margin | 3.9644% | 2,650 |
| Noninterest income to average assets | 0.1292% | 6,488 |
| Noninterest expense to average assets | 3.0259% | 3,146 |
| Loan and lease loss provision to assets | 0.7220% | 696 |
| Net operating income to assets | 0.1381% | 6,053 |
| Return on assets (ROA) | 0.3129% | 5,775 |
| Pretax return on assets | 0.2711% | 6,007 |
| Return on Equity (ROE) | 2.7636% | 5,767 |
| Retained earnings to average equity (ytd only) | 2.7636% | 4,896 |
| Net charge-offs to loans | 1.1085% | 914 |
| Credit loss provision to net charge-offs | 144.6701% | 1,975 |
| Earnings coverage of net charge-offs (x) | 1.6396% | 4,461 |
| Efficiency ratio | 78.7150% | 2,283 |
| Assets per employee ($millions) | 3.5700% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5497% | 1,145 |
| Loan loss allowance to noncurrent loans | 39.2969% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 3.5079% | 1,425 |
| Noncurrent loans to loans | 6.4883% | 590 |
| Net loans and leases to total assets | 44.6797% | 5,909 |
| Net loans and leases to deposits | 50.5536% | 6,069 |
| Net loans and leases to core deposits | 55.3990% | 5,935 |
| Total domestic deposits to total assets | 88.3810% | 1,797 |
| Equity capital to assets | 11.4323% | 2,818 |
| Core capital (leverage) ratio | 10.3946% | 3,043 |
| Tier 1 risk-based capital ratio | 19.2676% | 1,931 |
| Total risk-based capital ratio | 20.5283% | 1,897 |
| Memoranda: | ||
| Average total assets | $105,266,000 | 4,742 |
| Average earning assets | $98,641,500 | 4,674 |
| Average equity | $11,916,500 | 4,627 |
| Average total loans | $47,390,000 | 5,257 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5685% | 3,489 |
| Cost of funding earning assets | 0.4685% | 5,837 |
| Net interest margin | 4.0999% | 2,097 |
| Noninterest income to average assets | 0.3574% | 4,973 |
| Noninterest expense to average assets | 2.9105% | 3,578 |
| Loan and lease loss provision to assets | 0.3191% | 2,073 |
| Net operating income to assets | 0.7238% | 3,737 |
| Return on assets (ROA) | 0.8733% | 3,288 |
| Pretax return on assets | 1.1543% | 3,099 |
| Return on Equity (ROE) | 7.7410% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.7410% | 1,747 |
| Net charge-offs to loans | 0.3204% | 2,751 |
| Credit loss provision to net charge-offs | 222.6667% | 1,275 |
| Earnings coverage of net charge-offs (x) | 8.9067% | 2,230 |
| Efficiency ratio | 69.5116% | 3,845 |
| Assets per employee ($millions) | 3.5347% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4196% | 1,385 |
| Loan loss allowance to noncurrent loans | 33.5729% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 4.3795% | 1,137 |
| Noncurrent loans to loans | 7.2071% | 528 |
| Net loans and leases to total assets | 44.4210% | 5,973 |
| Net loans and leases to deposits | 50.3468% | 6,158 |
| Net loans and leases to core deposits | 56.2114% | 5,926 |
| Total domestic deposits to total assets | 88.2299% | 2,004 |
| Equity capital to assets | 11.3900% | 2,701 |
| Core capital (leverage) ratio | 11.1944% | 2,127 |
| Tier 1 risk-based capital ratio | 19.4077% | 1,876 |
| Total risk-based capital ratio | 20.6676% | 1,842 |
| Memoranda: | ||
| Average total assets | $104,654,670 | 4,784 |
| Average earning assets | $97,757,330 | 4,717 |
| Average equity | $11,807,330 | 4,652 |
| Average total loans | $46,818,670 | 5,311 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 2,216 |
| Cost of funding earning assets | 0.5116% | 5,740 |
| Net interest margin | 4.3939% | 1,240 |
| Noninterest income to average assets | 0.3694% | 4,917 |
| Noninterest expense to average assets | 2.8318% | 3,892 |
| Loan and lease loss provision to assets | 0.1847% | 3,129 |
| Net operating income to assets | 1.0619% | 2,245 |
| Return on assets (ROA) | 1.0619% | 2,438 |
| Pretax return on assets | 1.4505% | 2,016 |
| Return on Equity (ROE) | 9.4585% | 2,619 |
| Retained earnings to average equity (ytd only) | 9.4585% | 1,424 |
| Net charge-offs to loans | 0.6075% | 1,577 |
| Credit loss provision to net charge-offs | 68.5714% | 2,945 |
| Earnings coverage of net charge-offs (x) | 6.0714% | 2,255 |
| Efficiency ratio | 63.3936% | 5,036 |
| Assets per employee ($millions) | 3.3677% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2786% | 1,715 |
| Loan loss allowance to noncurrent loans | 29.8246% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 4.6510% | 1,139 |
| Noncurrent loans to loans | 7.6401% | 538 |
| Net loans and leases to total assets | 44.7407% | 5,925 |
| Net loans and leases to deposits | 50.8568% | 6,083 |
| Net loans and leases to core deposits | 57.6328% | 5,744 |
| Total domestic deposits to total assets | 87.9740% | 2,338 |
| Equity capital to assets | 11.7489% | 2,220 |
| Core capital (leverage) ratio | 10.8230% | 2,420 |
| Tier 1 risk-based capital ratio | 19.9011% | 1,733 |
| Total risk-based capital ratio | 21.1604% | 1,706 |
| Memoranda: | ||
| Average total assets | $103,962,000 | 4,832 |
| Average earning assets | $96,952,000 | 4,776 |
| Average equity | $11,672,000 | 4,681 |
| Average total loans | $46,092,000 | 5,374 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 5,763 |
| Cost of funding earning assets | 0.7109% | 5,471 |
| Net interest margin | 3.5891% | 4,774 |
| Noninterest income to average assets | 0.5150% | 3,748 |
| Noninterest expense to average assets | 3.0065% | 3,567 |
| Loan and lease loss provision to assets | 0.7832% | 1,269 |
| Net operating income to assets | 0.1273% | 5,799 |
| Return on assets (ROA) | 0.1759% | 5,801 |
| Pretax return on assets | 0.1098% | 5,956 |
| Return on Equity (ROE) | 1.6286% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.6286% | 5,046 |
| Net charge-offs to loans | 1.7574% | 849 |
| Credit loss provision to net charge-offs | 93.8300% | 3,840 |
| Earnings coverage of net charge-offs (x) | 1.0116% | 5,030 |
| Efficiency ratio | 78.0722% | 2,579 |
| Assets per employee ($millions) | 3.5631% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3428% | 1,556 |
| Loan loss allowance to noncurrent loans | 30.9997% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 4.3370% | 1,279 |
| Noncurrent loans to loans | 7.5575% | 552 |
| Net loans and leases to total assets | 41.9597% | 6,393 |
| Net loans and leases to deposits | 47.0546% | 6,562 |
| Net loans and leases to core deposits | 52.8759% | 6,376 |
| Total domestic deposits to total assets | 89.1723% | 1,437 |
| Equity capital to assets | 10.7341% | 3,266 |
| Core capital (leverage) ratio | 10.1767% | 3,125 |
| Tier 1 risk-based capital ratio | 18.9581% | 1,908 |
| Total risk-based capital ratio | 20.2163% | 1,866 |
| Memoranda: | ||
| Average total assets | $102,910,400 | 4,821 |
| Average earning assets | $95,651,600 | 4,765 |
| Average equity | $11,114,000 | 4,754 |
| Average total loans | $48,879,400 | 5,308 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 5,891 |
| Cost of funding earning assets | 0.7418% | 5,509 |
| Net interest margin | 3.5751% | 4,868 |
| Noninterest income to average assets | 0.5495% | 3,514 |
| Noninterest expense to average assets | 3.0482% | 3,358 |
| Loan and lease loss provision to assets | 0.6868% | 1,407 |
| Net operating income to assets | 0.1766% | 5,762 |
| Return on assets (ROA) | 0.2420% | 5,727 |
| Pretax return on assets | 0.2028% | 5,891 |
| Return on Equity (ROE) | 2.2375% | 5,698 |
| Retained earnings to average equity (ytd only) | 2.2375% | 5,011 |
| Net charge-offs to loans | 1.0238% | 1,566 |
| Credit loss provision to net charge-offs | 137.7953% | 2,312 |
| Earnings coverage of net charge-offs (x) | 1.6535% | 4,408 |
| Efficiency ratio | 78.7162% | 2,439 |
| Assets per employee ($millions) | 3.5080% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6427% | 1,213 |
| Loan loss allowance to noncurrent loans | 41.2374% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 4.0308% | 1,523 |
| Noncurrent loans to loans | 6.4084% | 834 |
| Net loans and leases to total assets | 44.5633% | 6,276 |
| Net loans and leases to deposits | 50.1229% | 6,494 |
| Net loans and leases to core deposits | 56.4383% | 6,283 |
| Total domestic deposits to total assets | 88.9081% | 1,479 |
| Equity capital to assets | 10.9247% | 3,218 |
| Core capital (leverage) ratio | 10.5038% | 2,862 |
| Tier 1 risk-based capital ratio | 18.8072% | 1,990 |
| Total risk-based capital ratio | 20.0687% | 1,951 |
| Memoranda: | ||
| Average total assets | $101,914,750 | 4,871 |
| Average earning assets | $94,725,750 | 4,828 |
| Average equity | $11,024,000 | 4,797 |
| Average total loans | $49,617,250 | 5,321 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 5,982 |
| Cost of funding earning assets | 0.7880% | 5,456 |
| Net interest margin | 3.5245% | 5,046 |
| Noninterest income to average assets | 0.5218% | 3,691 |
| Noninterest expense to average assets | 3.2022% | 2,888 |
| Loan and lease loss provision to assets | 0.3750% | 2,546 |
| Net operating income to assets | 0.2341% | 5,615 |
| Return on assets (ROA) | 0.3055% | 5,487 |
| Pretax return on assets | 0.2817% | 5,707 |
| Return on Equity (ROE) | 2.8344% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.8344% | 4,484 |
| Net charge-offs to loans | 0.9302% | 1,674 |
| Credit loss provision to net charge-offs | 81.1159% | 3,733 |
| Earnings coverage of net charge-offs (x) | 1.2661% | 4,338 |
| Efficiency ratio | 84.5469% | 1,756 |
| Assets per employee ($millions) | 3.3206% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2128% | 1,894 |
| Loan loss allowance to noncurrent loans | 33.4773% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 4.4741% | 1,407 |
| Noncurrent loans to loans | 6.6097% | 828 |
| Net loans and leases to total assets | 48.1334% | 6,036 |
| Net loans and leases to deposits | 54.2244% | 6,292 |
| Net loans and leases to core deposits | 61.6826% | 5,923 |
| Total domestic deposits to total assets | 88.7670% | 1,687 |
| Equity capital to assets | 11.1808% | 2,781 |
| Core capital (leverage) ratio | 11.0377% | 2,214 |
| Tier 1 risk-based capital ratio | 18.8466% | 1,893 |
| Total risk-based capital ratio | 20.1039% | 1,858 |
| Memoranda: | ||
| Average total assets | $100,806,670 | 4,941 |
| Average earning assets | $93,404,000 | 4,901 |
| Average equity | $10,866,330 | 4,835 |
| Average total loans | $50,099,330 | 5,352 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 6,501 |
| Cost of funding earning assets | 0.8337% | 5,375 |
| Net interest margin | 3.2662% | 5,887 |
| Noninterest income to average assets | 0.5562% | 3,465 |
| Noninterest expense to average assets | 2.6903% | 4,872 |
| Loan and lease loss provision to assets | 0.4734% | 1,855 |
| Net operating income to assets | 0.4063% | 4,919 |
| Return on assets (ROA) | 0.4300% | 4,893 |
| Pretax return on assets | 0.4300% | 5,247 |
| Return on Equity (ROE) | 4.0632% | 4,862 |
| Retained earnings to average equity (ytd only) | 4.0632% | 3,718 |
| Net charge-offs to loans | 0.3871% | 2,528 |
| Credit loss provision to net charge-offs | 244.8980% | 1,281 |
| Earnings coverage of net charge-offs (x) | 4.5510% | 2,449 |
| Efficiency ratio | 75.3591% | 3,271 |
| Assets per employee ($millions) | 3.3055% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3684% | 1,646 |
| Loan loss allowance to noncurrent loans | 24.3260% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 6.2905% | 898 |
| Noncurrent loans to loans | 9.7359% | 422 |
| Net loans and leases to total assets | 49.8840% | 5,864 |
| Net loans and leases to deposits | 55.9700% | 6,128 |
| Net loans and leases to core deposits | 64.1301% | 5,710 |
| Total domestic deposits to total assets | 89.1263% | 1,690 |
| Equity capital to assets | 10.7718% | 2,901 |
| Core capital (leverage) ratio | 10.5043% | 2,607 |
| Tier 1 risk-based capital ratio | 18.0238% | 2,103 |
| Total risk-based capital ratio | 19.2832% | 2,073 |
| Memoranda: | ||
| Average total assets | $101,401,500 | 4,964 |
| Average earning assets | $93,564,000 | 4,925 |
| Average equity | $10,730,500 | 4,862 |
| Average total loans | $50,632,000 | 5,375 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 4,144 |
| Cost of funding earning assets | 1.0589% | 5,378 |
| Net interest margin | 4.0290% | 2,890 |
| Noninterest income to average assets | 0.4861% | 4,277 |
| Noninterest expense to average assets | 3.1670% | 3,202 |
| Loan and lease loss provision to assets | 0.9660% | 1,677 |
| Net operating income to assets | 0.1241% | 5,526 |
| Return on assets (ROA) | 0.1553% | 5,580 |
| Pretax return on assets | -0.0345% | 5,934 |
| Return on Equity (ROE) | 1.4160% | 5,578 |
| Retained earnings to average equity (ytd only) | 1.4160% | 4,823 |
| Net charge-offs to loans | 1.3867% | 1,608 |
| Credit loss provision to net charge-offs | 125.7596% | 3,237 |
| Earnings coverage of net charge-offs (x) | 1.1493% | 4,960 |
| Efficiency ratio | 78.2010% | 2,674 |
| Assets per employee ($millions) | 3.5737% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2314% | 1,815 |
| Loan loss allowance to noncurrent loans | 28.8084% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 6.0027% | 990 |
| Noncurrent loans to loans | 7.7457% | 682 |
| Net loans and leases to total assets | 47.7310% | 6,416 |
| Net loans and leases to deposits | 53.3119% | 6,657 |
| Net loans and leases to core deposits | 60.6853% | 6,338 |
| Total domestic deposits to total assets | 89.5317% | 1,367 |
| Equity capital to assets | 10.4007% | 3,272 |
| Core capital (leverage) ratio | 10.1505% | 2,926 |
| Tier 1 risk-based capital ratio | 17.2588% | 2,242 |
| Total risk-based capital ratio | 18.5160% | 2,210 |
| Memoranda: | ||
| Average total assets | $98,548,200 | 5,031 |
| Average earning assets | $87,168,600 | 5,109 |
| Average equity | $10,804,800 | 4,908 |
| Average total loans | $54,591,200 | 5,294 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3407% | 3,163 |
| Cost of funding earning assets | 1.1079% | 5,380 |
| Net interest margin | 4.2328% | 2,099 |
| Noninterest income to average assets | 0.5112% | 4,088 |
| Noninterest expense to average assets | 3.3046% | 2,557 |
| Loan and lease loss provision to assets | 1.2432% | 1,137 |
| Net operating income to assets | -0.0270% | 6,058 |
| Return on assets (ROA) | 0.0151% | 6,093 |
| Pretax return on assets | -0.2686% | 6,386 |
| Return on Equity (ROE) | 0.1357% | 6,087 |
| Retained earnings to average equity (ytd only) | 0.1357% | 5,721 |
| Net charge-offs to loans | 0.9642% | 2,071 |
| Credit loss provision to net charge-offs | 225.6219% | 1,526 |
| Earnings coverage of net charge-offs (x) | 1.6492% | 4,472 |
| Efficiency ratio | 78.4320% | 2,564 |
| Assets per employee ($millions) | 3.5426% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6759% | 1,107 |
| Loan loss allowance to noncurrent loans | 38.1799% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 5.8636% | 1,031 |
| Noncurrent loans to loans | 7.0087% | 803 |
| Net loans and leases to total assets | 50.9437% | 6,228 |
| Net loans and leases to deposits | 57.1022% | 6,531 |
| Net loans and leases to core deposits | 65.0877% | 6,204 |
| Total domestic deposits to total assets | 89.2150% | 1,278 |
| Equity capital to assets | 10.5884% | 3,422 |
| Core capital (leverage) ratio | 10.3404% | 2,869 |
| Tier 1 risk-based capital ratio | 16.7375% | 2,440 |
| Total risk-based capital ratio | 18.0003% | 2,401 |
| Memoranda: | ||
| Average total assets | $97,276,000 | 5,131 |
| Average earning assets | $85,080,250 | 5,234 |
| Average equity | $10,811,250 | 4,969 |
| Average total loans | $55,590,000 | 5,327 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5018% | 2,503 |
| Cost of funding earning assets | 1.1272% | 5,538 |
| Net interest margin | 4.3746% | 1,525 |
| Noninterest income to average assets | 0.5448% | 3,751 |
| Noninterest expense to average assets | 3.3125% | 2,524 |
| Loan and lease loss provision to assets | 0.8863% | 1,643 |
| Net operating income to assets | 0.2933% | 5,207 |
| Return on assets (ROA) | 0.3038% | 5,326 |
| Pretax return on assets | 0.1781% | 5,821 |
| Return on Equity (ROE) | 2.6879% | 5,378 |
| Retained earnings to average equity (ytd only) | 2.6879% | 4,432 |
| Net charge-offs to loans | 1.2955% | 1,470 |
| Credit loss provision to net charge-offs | 116.2088% | 3,493 |
| Earnings coverage of net charge-offs (x) | 1.3819% | 4,449 |
| Efficiency ratio | 75.8637% | 3,097 |
| Assets per employee ($millions) | 3.1043% | 5,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 2,741 |
| Loan loss allowance to noncurrent loans | 29.3007% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 5.0445% | 1,271 |
| Noncurrent loans to loans | 6.1146% | 1,036 |
| Net loans and leases to total assets | 54.7958% | 5,870 |
| Net loans and leases to deposits | 61.6549% | 6,264 |
| Net loans and leases to core deposits | 69.2739% | 5,943 |
| Total domestic deposits to total assets | 88.8751% | 1,505 |
| Equity capital to assets | 10.9658% | 2,897 |
| Core capital (leverage) ratio | 11.4100% | 1,967 |
| Tier 1 risk-based capital ratio | 16.8258% | 2,352 |
| Total risk-based capital ratio | 18.0792% | 2,295 |
| Memoranda: | ||
| Average total assets | $95,456,330 | 5,205 |
| Average earning assets | $83,390,330 | 5,319 |
| Average equity | $10,789,000 | 4,977 |
| Average total loans | $56,194,670 | 5,348 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8378% | 1,356 |
| Cost of funding earning assets | 1.1735% | 5,537 |
| Net interest margin | 4.6644% | 841 |
| Noninterest income to average assets | 0.5903% | 3,340 |
| Noninterest expense to average assets | 3.0412% | 3,517 |
| Loan and lease loss provision to assets | 1.6168% | 716 |
| Net operating income to assets | 0.0342% | 6,206 |
| Return on assets (ROA) | 0.0342% | 6,323 |
| Pretax return on assets | -0.0043% | 6,362 |
| Return on Equity (ROE) | 0.2980% | 6,331 |
| Retained earnings to average equity (ytd only) | 0.2980% | 5,712 |
| Net charge-offs to loans | 2.1280% | 797 |
| Credit loss provision to net charge-offs | 125.5814% | 2,799 |
| Earnings coverage of net charge-offs (x) | 1.2525% | 4,003 |
| Efficiency ratio | 65.3493% | 5,243 |
| Assets per employee ($millions) | 2.8396% | 6,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 2,740 |
| Loan loss allowance to noncurrent loans | 48.5358% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 4.1336% | 1,655 |
| Noncurrent loans to loans | 3.7031% | 2,150 |
| Net loans and leases to total assets | 60.7917% | 4,979 |
| Net loans and leases to deposits | 69.0798% | 5,463 |
| Net loans and leases to core deposits | 75.8257% | 5,281 |
| Total domestic deposits to total assets | 88.0021% | 2,056 |
| Equity capital to assets | 11.7899% | 2,172 |
| Core capital (leverage) ratio | 11.2323% | 2,069 |
| Tier 1 risk-based capital ratio | 16.8406% | 2,326 |
| Total risk-based capital ratio | 18.0954% | 2,278 |
| Memoranda: | ||
| Average total assets | $93,516,500 | 5,334 |
| Average earning assets | $81,468,500 | 5,458 |
| Average equity | $10,737,000 | 5,039 |
| Average total loans | $56,579,500 | 5,402 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0114% | 1,821 |
| Cost of funding earning assets | 1.2455% | 6,484 |
| Net interest margin | 4.7659% | 746 |
| Noninterest income to average assets | 0.4228% | 5,031 |
| Noninterest expense to average assets | 3.3488% | 2,842 |
| Loan and lease loss provision to assets | 0.7296% | 2,920 |
| Net operating income to assets | 0.5642% | 3,470 |
| Return on assets (ROA) | 0.6527% | 3,182 |
| Pretax return on assets | 0.8530% | 3,077 |
| Return on Equity (ROE) | 5.8359% | 3,277 |
| Retained earnings to average equity (ytd only) | -5.1948% | 6,046 |
| Net charge-offs to loans | 0.9695% | 2,465 |
| Credit loss provision to net charge-offs | 115.9129% | 4,690 |
| Earnings coverage of net charge-offs (x) | 2.3317% | 3,979 |
| Efficiency ratio | 69.5271% | 4,728 |
| Assets per employee ($millions) | 3.2056% | 5,710 |
| Cash dividends to net income (ytd only)* | 189.0145% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 3,118 |
| Loan loss allowance to noncurrent loans | 38.2787% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 4.7397% | 1,335 |
| Noncurrent loans to loans | 4.2875% | 1,689 |
| Net loans and leases to total assets | 58.2060% | 5,630 |
| Net loans and leases to deposits | 65.6999% | 6,085 |
| Net loans and leases to core deposits | 74.7290% | 6,490 |
| Total domestic deposits to total assets | 88.5938% | 1,678 |
| Equity capital to assets | 11.1899% | 2,541 |
| Core capital (leverage) ratio | 11.1968% | 2,109 |
| Tier 1 risk-based capital ratio | 16.1176% | 2,467 |
| Total risk-based capital ratio | 17.3702% | 2,400 |
| Memoranda: | ||
| Average total assets | $94,840,400 | 5,246 |
| Average earning assets | $87,433,200 | 5,213 |
| Average equity | $10,606,800 | 5,128 |
| Average total loans | $61,577,400 | 5,187 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0718% | 1,758 |
| Cost of funding earning assets | 1.2713% | 6,655 |
| Net interest margin | 4.8005% | 678 |
| Noninterest income to average assets | 0.3541% | 5,665 |
| Noninterest expense to average assets | 3.3971% | 2,584 |
| Loan and lease loss provision to assets | 0.9128% | 2,106 |
| Net operating income to assets | 0.4289% | 4,279 |
| Return on assets (ROA) | 0.5417% | 3,909 |
| Pretax return on assets | 0.6814% | 3,925 |
| Return on Equity (ROE) | 4.8446% | 4,033 |
| Retained earnings to average equity (ytd only) | -9.9162% | 6,796 |
| Net charge-offs to loans | 0.9966% | 1,978 |
| Credit loss provision to net charge-offs | 137.9531% | 3,587 |
| Earnings coverage of net charge-offs (x) | 2.1962% | 4,175 |
| Efficiency ratio | 70.0407% | 4,581 |
| Assets per employee ($millions) | 2.8234% | 6,602 |
| Cash dividends to net income (ytd only)* | 304.6856% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 2,444 |
| Loan loss allowance to noncurrent loans | 62.4309% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 4.0216% | 1,585 |
| Noncurrent loans to loans | 2.8038% | 2,706 |
| Net loans and leases to total assets | 61.2663% | 5,364 |
| Net loans and leases to deposits | 69.4838% | 5,983 |
| Net loans and leases to core deposits | 78.6256% | 6,442 |
| Total domestic deposits to total assets | 88.1735% | 1,582 |
| Equity capital to assets | 11.5475% | 2,547 |
| Core capital (leverage) ratio | 10.9729% | 2,421 |
| Tier 1 risk-based capital ratio | 15.8660% | 2,679 |
| Total risk-based capital ratio | 17.1211% | 2,610 |
| Memoranda: | ||
| Average total assets | $94,508,750 | 5,290 |
| Average earning assets | $88,515,750 | 5,216 |
| Average equity | $10,568,250 | 5,170 |
| Average total loans | $62,744,500 | 5,178 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2625% | 1,306 |
| Cost of funding earning assets | 1.2981% | 6,814 |
| Net interest margin | 4.9644% | 470 |
| Noninterest income to average assets | 0.4255% | 5,075 |
| Noninterest expense to average assets | 3.4290% | 2,541 |
| Loan and lease loss provision to assets | 0.5371% | 2,884 |
| Net operating income to assets | 0.7846% | 2,911 |
| Return on assets (ROA) | 0.9183% | 2,479 |
| Pretax return on assets | 1.3333% | 1,923 |
| Return on Equity (ROE) | 8.3011% | 2,654 |
| Retained earnings to average equity (ytd only) | -13.9747% | 7,181 |
| Net charge-offs to loans | 0.3266% | 3,545 |
| Credit loss provision to net charge-offs | 242.8571% | 1,910 |
| Earnings coverage of net charge-offs (x) | 7.5810% | 2,425 |
| Efficiency ratio | 67.1617% | 5,325 |
| Assets per employee ($millions) | 2.8276% | 6,563 |
| Cash dividends to net income (ytd only)* | 268.3486% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 2,772 |
| Loan loss allowance to noncurrent loans | 44.7714% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 2.9977% | 2,120 |
| Noncurrent loans to loans | 3.5592% | 1,968 |
| Net loans and leases to total assets | 63.5271% | 5,074 |
| Net loans and leases to deposits | 71.4570% | 5,817 |
| Net loans and leases to core deposits | 80.8555% | 6,336 |
| Total domestic deposits to total assets | 88.9026% | 1,314 |
| Equity capital to assets | 10.7749% | 3,140 |
| Core capital (leverage) ratio | 10.8708% | 2,513 |
| Tier 1 risk-based capital ratio | 15.3419% | 2,876 |
| Total risk-based capital ratio | 16.5955% | 2,804 |
| Memoranda: | ||
| Average total assets | $94,954,330 | 5,310 |
| Average earning assets | $89,517,330 | 5,219 |
| Average equity | $10,504,670 | 5,212 |
| Average total loans | $64,292,670 | 5,166 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2797% | 1,361 |
| Cost of funding earning assets | 1.3145% | 6,979 |
| Net interest margin | 4.9653% | 440 |
| Noninterest income to average assets | 0.4663% | 4,625 |
| Noninterest expense to average assets | 3.1750% | 3,094 |
| Loan and lease loss provision to assets | 0.9114% | 1,433 |
| Net operating income to assets | 0.7503% | 3,350 |
| Return on assets (ROA) | 0.7503% | 3,526 |
| Pretax return on assets | 1.0555% | 3,159 |
| Return on Equity (ROE) | 6.6935% | 3,721 |
| Retained earnings to average equity (ytd only) | -37.5514% | 7,939 |
| Net charge-offs to loans | 0.0306% | 5,094 |
| Credit loss provision to net charge-offs | 4,300.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 92.8000% | 461 |
| Efficiency ratio | 61.7477% | 6,104 |
| Assets per employee ($millions) | 2.8756% | 6,465 |
| Cash dividends to net income (ytd only)* | 661.0169% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 2,368 |
| Loan loss allowance to noncurrent loans | 49.2488% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 3.0461% | 1,852 |
| Noncurrent loans to loans | 3.3254% | 1,928 |
| Net loans and leases to total assets | 68.4666% | 4,025 |
| Net loans and leases to deposits | 77.1887% | 5,059 |
| Net loans and leases to core deposits | 88.4153% | 5,697 |
| Total domestic deposits to total assets | 88.7003% | 1,382 |
| Equity capital to assets | 11.0367% | 2,932 |
| Core capital (leverage) ratio | 10.6465% | 2,791 |
| Tier 1 risk-based capital ratio | 15.0162% | 3,061 |
| Total risk-based capital ratio | 16.2703% | 2,995 |
| Memoranda: | ||
| Average total assets | $94,361,500 | 5,359 |
| Average earning assets | $88,857,500 | 5,262 |
| Average equity | $10,577,500 | 5,216 |
| Average total loans | $65,407,000 | 5,155 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7995% | 1,678 |
| Cost of funding earning assets | 1.7598% | 7,112 |
| Net interest margin | 5.0398% | 464 |
| Noninterest income to average assets | 0.4793% | 4,807 |
| Noninterest expense to average assets | 3.1580% | 3,488 |
| Loan and lease loss provision to assets | 0.1371% | 5,603 |
| Net operating income to assets | 1.2551% | 1,621 |
| Return on assets (ROA) | 1.3018% | 1,427 |
| Pretax return on assets | 1.9682% | 664 |
| Return on Equity (ROE) | 12.2516% | 1,537 |
| Retained earnings to average equity (ytd only) | -0.4614% | 5,427 |
| Net charge-offs to loans | 0.2109% | 4,100 |
| Credit loss provision to net charge-offs | 95.8042% | 5,520 |
| Earnings coverage of net charge-offs (x) | 14.3846% | 2,039 |
| Efficiency ratio | 60.5410% | 6,253 |
| Assets per employee ($millions) | 2.9304% | 6,219 |
| Cash dividends to net income (ytd only)* | 103.7663% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,070 |
| Loan loss allowance to noncurrent loans | 91.3943% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.6452% | 2,957 |
| Noncurrent loans to loans | 1.3750% | 3,772 |
| Net loans and leases to total assets | 68.1706% | 4,436 |
| Net loans and leases to deposits | 77.1742% | 5,448 |
| Net loans and leases to core deposits | 87.0179% | 6,061 |
| Total domestic deposits to total assets | 88.3334% | 1,322 |
| Equity capital to assets | 11.3740% | 2,725 |
| Core capital (leverage) ratio | 11.0905% | 2,517 |
| Tier 1 risk-based capital ratio | 15.6948% | 2,782 |
| Total risk-based capital ratio | 16.8863% | 2,729 |
| Memoranda: | ||
| Average total assets | $99,938,000 | 5,048 |
| Average earning assets | $93,933,200 | 4,972 |
| Average equity | $10,619,000 | 5,233 |
| Average total loans | $67,804,800 | 4,952 |