Home > Valley Bank of Ronan > Performance and Condition Ratios
Valley Bank of Ronan, 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 | 5.1714% | 1,718 |
| Cost of funding earning assets | 0.2110% | 4,438 |
| Net interest margin | 4.9604% | 333 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 3.3921% | 662 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2224% | 1,598 |
| Return on assets (ROA) | 1.2224% | 1,572 |
| Pretax return on assets | 1.6403% | 1,165 |
| Return on Equity (ROE) | 13.2600% | 1,658 |
| Retained earnings to average equity (ytd only) | 10.3320% | 934 |
| Net charge-offs to loans | -0.1084% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.0395% | 2,348 |
| Assets per employee ($millions) | 3.0284% | 4,380 |
| Cash dividends to net income (ytd only)* | 22.0696% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 841 |
| Loan loss allowance to noncurrent loans | 438.7850% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2524% | 1,950 |
| Noncurrent loans to loans | 0.3639% | 1,897 |
| Net loans and leases to total assets | 68.2500% | 2,009 |
| Net loans and leases to deposits | 75.4888% | 2,503 |
| Net loans and leases to core deposits | 79.0880% | 2,762 |
| Total domestic deposits to total assets | 90.4100% | 649 |
| Equity capital to assets | 9.4381% | 2,393 |
| Core capital (leverage) ratio | 9.3555% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3496% | 2,474 |
| Memoranda: | ||
| Average total assets | $166,797,600 | 3,214 |
| Average earning assets | $155,896,200 | 3,202 |
| Average equity | $15,379,400 | 3,234 |
| Average total loans | $111,623,400 | 3,032 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9760% | 1,880 |
| Cost of funding earning assets | 0.1367% | 4,488 |
| Net interest margin | 4.8393% | 387 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 3.3481% | 673 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.1559% | 1,909 |
| Return on assets (ROA) | 1.1559% | 1,893 |
| Pretax return on assets | 1.5773% | 1,405 |
| Return on Equity (ROE) | 12.6100% | 1,976 |
| Retained earnings to average equity (ytd only) | 12.6124% | 870 |
| Net charge-offs to loans | -0.0484% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.5862% | 2,209 |
| Assets per employee ($millions) | 2.8466% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,084 |
| Loan loss allowance to noncurrent loans | 187.3807% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 1,027 |
| Noncurrent loans to loans | 0.8055% | 1,031 |
| Net loans and leases to total assets | 69.8400% | 1,848 |
| Net loans and leases to deposits | 78.1572% | 2,235 |
| Net loans and leases to core deposits | 80.3746% | 2,570 |
| Total domestic deposits to total assets | 89.3500% | 1,141 |
| Equity capital to assets | 9.6042% | 2,040 |
| Core capital (leverage) ratio | 9.5880% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3831% | 2,484 |
| Memoranda: | ||
| Average total assets | $166,099,500 | 3,232 |
| Average earning assets | $155,059,250 | 3,218 |
| Average equity | $15,222,750 | 3,239 |
| Average total loans | $110,122,250 | 3,057 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9047% | 1,752 |
| Cost of funding earning assets | 0.0540% | 4,547 |
| Net interest margin | 4.8506% | 373 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 3.3143% | 681 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.1680% | 1,913 |
| Return on assets (ROA) | 1.1680% | 1,909 |
| Pretax return on assets | 1.6067% | 1,404 |
| Return on Equity (ROE) | 12.9500% | 1,912 |
| Retained earnings to average equity (ytd only) | 12.9502% | 813 |
| Net charge-offs to loans | -0.0390% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.0314% | 2,233 |
| Assets per employee ($millions) | 2.8226% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,135 |
| Loan loss allowance to noncurrent loans | 180.0839% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 911 |
| Noncurrent loans to loans | 0.8412% | 910 |
| Net loans and leases to total assets | 69.4200% | 1,805 |
| Net loans and leases to deposits | 77.9062% | 2,142 |
| Net loans and leases to core deposits | 78.8906% | 2,551 |
| Total domestic deposits to total assets | 89.1100% | 1,215 |
| Equity capital to assets | 9.5649% | 2,119 |
| Core capital (leverage) ratio | 9.3386% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5985% | 2,737 |
| Memoranda: | ||
| Average total assets | $166,431,333 | 3,238 |
| Average earning assets | $155,443,667 | 3,229 |
| Average equity | $15,011,333 | 3,269 |
| Average total loans | $107,806,333 | 3,082 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 1,566 |
| Cost of funding earning assets | 0.0405% | 4,589 |
| Net interest margin | 4.7854% | 379 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 3.2411% | 754 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.2080% | 1,909 |
| Return on assets (ROA) | 1.2080% | 1,868 |
| Pretax return on assets | 1.6336% | 1,393 |
| Return on Equity (ROE) | 13.7900% | 1,820 |
| Retained earnings to average equity (ytd only) | 13.7898% | 970 |
| Net charge-offs to loans | -0.0571% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.3218% | 2,293 |
| Assets per employee ($millions) | 2.7705% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5788% | 1,052 |
| Loan loss allowance to noncurrent loans | 174.8441% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 885 |
| Noncurrent loans to loans | 0.9030% | 838 |
| Net loans and leases to total assets | 63.0800% | 2,351 |
| Net loans and leases to deposits | 69.4808% | 2,656 |
| Net loans and leases to core deposits | 69.8446% | 2,965 |
| Total domestic deposits to total assets | 90.7900% | 868 |
| Equity capital to assets | 8.9804% | 2,539 |
| Core capital (leverage) ratio | 8.6909% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5462% | 2,559 |
| Memoranda: | ||
| Average total assets | $169,201,500 | 3,267 |
| Average earning assets | $157,980,500 | 3,250 |
| Average equity | $14,822,500 | 3,321 |
| Average total loans | $105,001,500 | 3,148 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9829% | 1,759 |
| Cost of funding earning assets | 0.0379% | 4,595 |
| Net interest margin | 3.9450% | 869 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 3.0647% | 880 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8648% | 3,099 |
| Return on assets (ROA) | 0.8648% | 3,029 |
| Pretax return on assets | 1.0799% | 2,838 |
| Return on Equity (ROE) | 10.5000% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.3840% | 1,684 |
| Net charge-offs to loans | -0.0190% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.7298% | 1,358 |
| Assets per employee ($millions) | 2.9685% | 4,533 |
| Cash dividends to net income (ytd only)* | 20.1613% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 1,882 |
| Loan loss allowance to noncurrent loans | 137.3089% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 883 |
| Noncurrent loans to loans | 0.9482% | 783 |
| Net loans and leases to total assets | 59.3100% | 2,701 |
| Net loans and leases to deposits | 64.9162% | 2,963 |
| Net loans and leases to core deposits | 65.0319% | 3,194 |
| Total domestic deposits to total assets | 91.3600% | 823 |
| Equity capital to assets | 8.5477% | 2,679 |
| Core capital (leverage) ratio | 8.2833% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2223% | 2,670 |
| Memoranda: | ||
| Average total assets | $172,055,600 | 3,254 |
| Average earning assets | $160,964,000 | 3,234 |
| Average equity | $14,169,800 | 3,448 |
| Average total loans | $99,777,400 | 3,154 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8007% | 1,764 |
| Cost of funding earning assets | 0.0389% | 4,617 |
| Net interest margin | 3.7618% | 1,015 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 3.0336% | 868 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7673% | 3,364 |
| Return on assets (ROA) | 0.7673% | 3,314 |
| Pretax return on assets | 0.9556% | 3,159 |
| Return on Equity (ROE) | 9.4100% | 2,905 |
| Retained earnings to average equity (ytd only) | 9.4062% | 1,513 |
| Net charge-offs to loans | -0.0216% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.7689% | 1,201 |
| Assets per employee ($millions) | 3.1062% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 2,024 |
| Loan loss allowance to noncurrent loans | 134.7870% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 957 |
| Noncurrent loans to loans | 0.9651% | 808 |
| Net loans and leases to total assets | 56.9500% | 2,805 |
| Net loans and leases to deposits | 62.1073% | 3,013 |
| Net loans and leases to core deposits | 62.2142% | 3,234 |
| Total domestic deposits to total assets | 91.7000% | 973 |
| Equity capital to assets | 8.2005% | 2,759 |
| Core capital (leverage) ratio | 8.2383% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8627% | 2,532 |
| Memoranda: | ||
| Average total assets | $172,026,000 | 3,280 |
| Average earning assets | $161,265,000 | 3,257 |
| Average equity | $14,033,000 | 3,500 |
| Average total loans | $98,855,750 | 3,170 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7125% | 1,508 |
| Cost of funding earning assets | 0.0389% | 4,660 |
| Net interest margin | 3.6737% | 957 |
| Noninterest income to average assets | 0.5178% | 2,098 |
| Noninterest expense to average assets | 2.9903% | 854 |
| Loan and lease loss provision to assets | 0.0352% | 1,947 |
| Net operating income to assets | 0.7890% | 2,999 |
| Return on assets (ROA) | 0.7890% | 2,965 |
| Pretax return on assets | 0.9334% | 2,952 |
| Return on Equity (ROE) | 9.6893% | 2,456 |
| Retained earnings to average equity (ytd only) | 9.6893% | 1,103 |
| Net charge-offs to loans | -0.0348% | 4,105 |
| Credit loss provision to net charge-offs | -176.4706% | 3,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9110% | 1,399 |
| Assets per employee ($millions) | 2.8721% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,155 |
| Loan loss allowance to noncurrent loans | 131.3686% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.5907% | 949 |
| Noncurrent loans to loans | 0.9958% | 840 |
| Net loans and leases to total assets | 58.5446% | 2,473 |
| Net loans and leases to deposits | 63.9607% | 2,726 |
| Net loans and leases to core deposits | 64.0760% | 2,964 |
| Total domestic deposits to total assets | 91.5321% | 1,021 |
| Equity capital to assets | 8.3805% | 2,853 |
| Core capital (leverage) ratio | 8.0182% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0113% | 2,491 |
| Memoranda: | ||
| Average total assets | $170,351,000 | 3,333 |
| Average earning assets | $159,568,667 | 3,315 |
| Average equity | $13,871,000 | 3,598 |
| Average total loans | $97,752,000 | 3,216 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7053% | 1,262 |
| Cost of funding earning assets | 0.0375% | 4,677 |
| Net interest margin | 3.6678% | 795 |
| Noninterest income to average assets | 0.4356% | 2,467 |
| Noninterest expense to average assets | 2.9930% | 826 |
| Loan and lease loss provision to assets | 0.0351% | 1,731 |
| Net operating income to assets | 0.8267% | 2,567 |
| Return on assets (ROA) | 0.8267% | 2,565 |
| Pretax return on assets | 0.8454% | 2,959 |
| Return on Equity (ROE) | 10.3021% | 1,856 |
| Retained earnings to average equity (ytd only) | 10.3021% | 949 |
| Net charge-offs to loans | -0.0249% | 4,004 |
| Credit loss provision to net charge-offs | -250.0000% | 3,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6022% | 1,456 |
| Assets per employee ($millions) | 3.1344% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 2,343 |
| Loan loss allowance to noncurrent loans | 128.2587% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 1,012 |
| Noncurrent loans to loans | 1.0169% | 893 |
| Net loans and leases to total assets | 56.5820% | 2,470 |
| Net loans and leases to deposits | 61.6283% | 2,749 |
| Net loans and leases to core deposits | 61.7371% | 2,993 |
| Total domestic deposits to total assets | 91.8118% | 654 |
| Equity capital to assets | 8.0525% | 3,529 |
| Core capital (leverage) ratio | 7.9091% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3257% | 2,472 |
| Memoranda: | ||
| Average total assets | $170,800,500 | 3,339 |
| Average earning assets | $160,095,000 | 3,326 |
| Average equity | $13,706,000 | 3,686 |
| Average total loans | $96,368,000 | 3,242 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 806 |
| Cost of funding earning assets | 0.0448% | 4,706 |
| Net interest margin | 4.2864% | 421 |
| Noninterest income to average assets | 0.5709% | 2,274 |
| Noninterest expense to average assets | 3.2133% | 712 |
| Loan and lease loss provision to assets | 0.0388% | 2,270 |
| Net operating income to assets | 0.9270% | 2,952 |
| Return on assets (ROA) | 0.9270% | 3,015 |
| Pretax return on assets | 1.2798% | 2,419 |
| Return on Equity (ROE) | 11.0088% | 2,164 |
| Retained earnings to average equity (ytd only) | 9.1637% | 1,148 |
| Net charge-offs to loans | -0.1709% | 4,685 |
| Credit loss provision to net charge-offs | -43.1655% | 3,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2900% | 1,701 |
| Assets per employee ($millions) | 2.9174% | 4,700 |
| Cash dividends to net income (ytd only)* | 16.7598% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 2,131 |
| Loan loss allowance to noncurrent loans | 122.7493% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 1,078 |
| Noncurrent loans to loans | 1.1001% | 882 |
| Net loans and leases to total assets | 54.7466% | 2,758 |
| Net loans and leases to deposits | 59.5712% | 3,116 |
| Net loans and leases to core deposits | 59.6783% | 3,334 |
| Total domestic deposits to total assets | 91.9010% | 202 |
| Equity capital to assets | 7.9961% | 4,362 |
| Core capital (leverage) ratio | 7.8124% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2975% | 2,531 |
| Memoranda: | ||
| Average total assets | $154,483,000 | 3,448 |
| Average earning assets | $142,752,200 | 3,448 |
| Average equity | $13,007,800 | 3,831 |
| Average total loans | $81,311,200 | 3,452 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 546 |
| Cost of funding earning assets | 0.0461% | 4,794 |
| Net interest margin | 4.5765% | 277 |
| Noninterest income to average assets | 0.5446% | 2,436 |
| Noninterest expense to average assets | 3.2616% | 635 |
| Loan and lease loss provision to assets | 0.0398% | 2,200 |
| Net operating income to assets | 1.0336% | 2,793 |
| Return on assets (ROA) | 1.0336% | 2,857 |
| Pretax return on assets | 1.4518% | 2,144 |
| Return on Equity (ROE) | 12.1037% | 2,009 |
| Retained earnings to average equity (ytd only) | 12.1037% | 819 |
| Net charge-offs to loans | -0.2320% | 4,786 |
| Credit loss provision to net charge-offs | -33.0882% | 3,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0246% | 1,832 |
| Assets per employee ($millions) | 2.8184% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 1,749 |
| Loan loss allowance to noncurrent loans | 117.8134% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.6491% | 1,162 |
| Noncurrent loans to loans | 1.2477% | 884 |
| Net loans and leases to total assets | 51.2568% | 3,277 |
| Net loans and leases to deposits | 55.9702% | 3,579 |
| Net loans and leases to core deposits | 56.0747% | 3,767 |
| Total domestic deposits to total assets | 91.5787% | 218 |
| Equity capital to assets | 8.2622% | 4,378 |
| Core capital (leverage) ratio | 8.2256% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3365% | 2,243 |
| Memoranda: | ||
| Average total assets | $150,802,000 | 3,513 |
| Average earning assets | $138,677,250 | 3,520 |
| Average equity | $12,877,250 | 3,892 |
| Average total loans | $78,163,250 | 3,554 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 748 |
| Cost of funding earning assets | 0.0479% | 4,833 |
| Net interest margin | 4.4343% | 396 |
| Noninterest income to average assets | 0.5471% | 2,418 |
| Noninterest expense to average assets | 3.2214% | 692 |
| Loan and lease loss provision to assets | 0.0409% | 2,187 |
| Net operating income to assets | 1.0138% | 2,844 |
| Return on assets (ROA) | 1.0138% | 2,926 |
| Pretax return on assets | 1.3303% | 2,551 |
| Return on Equity (ROE) | 11.7307% | 2,154 |
| Retained earnings to average equity (ytd only) | 11.7307% | 972 |
| Net charge-offs to loans | -0.3585% | 4,857 |
| Credit loss provision to net charge-offs | -22.0588% | 2,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5187% | 1,700 |
| Assets per employee ($millions) | 2.6829% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 1,723 |
| Loan loss allowance to noncurrent loans | 115.2052% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 1,195 |
| Noncurrent loans to loans | 1.2676% | 933 |
| Net loans and leases to total assets | 53.5554% | 3,184 |
| Net loans and leases to deposits | 58.7629% | 3,475 |
| Net loans and leases to core deposits | 58.8788% | 3,696 |
| Total domestic deposits to total assets | 91.1380% | 333 |
| Equity capital to assets | 8.4057% | 4,277 |
| Core capital (leverage) ratio | 8.5419% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,580,333 | 3,554 |
| Average earning assets | $133,729,333 | 3,587 |
| Average equity | $12,667,667 | 3,923 |
| Average total loans | $75,871,667 | 3,619 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 1,346 |
| Cost of funding earning assets | 0.0498% | 4,868 |
| Net interest margin | 4.0690% | 762 |
| Noninterest income to average assets | 0.5800% | 2,292 |
| Noninterest expense to average assets | 3.2239% | 694 |
| Loan and lease loss provision to assets | 0.0422% | 2,218 |
| Net operating income to assets | 0.6983% | 3,709 |
| Return on assets (ROA) | 0.6983% | 3,772 |
| Pretax return on assets | 0.9939% | 3,387 |
| Return on Equity (ROE) | 7.9605% | 3,335 |
| Retained earnings to average equity (ytd only) | 7.9605% | 2,252 |
| Net charge-offs to loans | -0.0615% | 4,476 |
| Credit loss provision to net charge-offs | -136.3636% | 2,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9504% | 1,227 |
| Assets per employee ($millions) | 2.6594% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 1,674 |
| Loan loss allowance to noncurrent loans | 62.7148% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.1937% | 625 |
| Noncurrent loans to loans | 2.3608% | 406 |
| Net loans and leases to total assets | 49.8154% | 3,645 |
| Net loans and leases to deposits | 54.7163% | 3,892 |
| Net loans and leases to core deposits | 54.8307% | 4,060 |
| Total domestic deposits to total assets | 91.0432% | 384 |
| Equity capital to assets | 8.6041% | 4,043 |
| Core capital (leverage) ratio | 8.7081% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,066,000 | 3,615 |
| Average earning assets | $128,483,500 | 3,644 |
| Average equity | $12,461,500 | 3,961 |
| Average total loans | $71,521,500 | 3,709 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 701 |
| Cost of funding earning assets | 0.0802% | 4,910 |
| Net interest margin | 4.7456% | 195 |
| Noninterest income to average assets | 0.5621% | 2,364 |
| Noninterest expense to average assets | 3.6463% | 566 |
| Loan and lease loss provision to assets | 0.0499% | 3,761 |
| Net operating income to assets | 0.8956% | 2,720 |
| Return on assets (ROA) | 0.8956% | 2,852 |
| Pretax return on assets | 1.1933% | 2,348 |
| Return on Equity (ROE) | 8.9336% | 2,427 |
| Retained earnings to average equity (ytd only) | 6.7769% | 1,472 |
| Net charge-offs to loans | -0.0304% | 4,541 |
| Credit loss provision to net charge-offs | -285.7143% | 3,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8435% | 1,470 |
| Assets per employee ($millions) | 2.5066% | 4,891 |
| Cash dividends to net income (ytd only)* | 24.1411% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 1,440 |
| Loan loss allowance to noncurrent loans | 62.0070% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.2505% | 667 |
| Noncurrent loans to loans | 2.4955% | 401 |
| Net loans and leases to total assets | 49.3349% | 3,873 |
| Net loans and leases to deposits | 54.3056% | 4,097 |
| Net loans and leases to core deposits | 54.4264% | 4,241 |
| Total domestic deposits to total assets | 90.8468% | 262 |
| Equity capital to assets | 8.9494% | 4,102 |
| Core capital (leverage) ratio | 9.0389% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,258,600 | 3,743 |
| Average earning assets | $109,658,800 | 3,772 |
| Average equity | $12,055,600 | 3,967 |
| Average total loans | $69,042,600 | 3,756 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7638% | 938 |
| Cost of funding earning assets | 0.0884% | 4,949 |
| Net interest margin | 4.6754% | 271 |
| Noninterest income to average assets | 0.9586% | 1,103 |
| Noninterest expense to average assets | 3.7620% | 480 |
| Loan and lease loss provision to assets | 0.0518% | 3,707 |
| Net operating income to assets | 1.1451% | 1,836 |
| Return on assets (ROA) | 1.1451% | 1,952 |
| Pretax return on assets | 1.4638% | 1,532 |
| Return on Equity (ROE) | 11.0691% | 1,654 |
| Retained earnings to average equity (ytd only) | 11.0691% | 559 |
| Net charge-offs to loans | 0.0657% | 1,676 |
| Credit loss provision to net charge-offs | 132.3529% | 2,435 |
| Earnings coverage of net charge-offs (x) | 38.7353% | 1,386 |
| Efficiency ratio | 70.5844% | 1,806 |
| Assets per employee ($millions) | 2.1167% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 1,815 |
| Loan loss allowance to noncurrent loans | 47.9367% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.6140% | 503 |
| Noncurrent loans to loans | 2.8807% | 335 |
| Net loans and leases to total assets | 55.2552% | 3,683 |
| Net loans and leases to deposits | 61.2561% | 3,974 |
| Net loans and leases to core deposits | 61.4021% | 4,138 |
| Total domestic deposits to total assets | 90.2036% | 365 |
| Equity capital to assets | 9.6934% | 3,521 |
| Core capital (leverage) ratio | 9.7316% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4479% | 1,148 |
| Memoranda: | ||
| Average total assets | $115,857,250 | 3,789 |
| Average earning assets | $107,026,250 | 3,806 |
| Average equity | $11,985,000 | 3,982 |
| Average total loans | $69,032,250 | 3,767 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 1,172 |
| Cost of funding earning assets | 0.1013% | 4,968 |
| Net interest margin | 4.6987% | 340 |
| Noninterest income to average assets | 1.1648% | 734 |
| Noninterest expense to average assets | 3.8964% | 462 |
| Loan and lease loss provision to assets | 0.0538% | 3,631 |
| Net operating income to assets | 1.2366% | 1,527 |
| Return on assets (ROA) | 1.2366% | 1,645 |
| Pretax return on assets | 1.5453% | 1,352 |
| Return on Equity (ROE) | 11.6701% | 1,427 |
| Retained earnings to average equity (ytd only) | 11.6701% | 501 |
| Net charge-offs to loans | -0.2355% | 4,956 |
| Credit loss provision to net charge-offs | -37.5000% | 3,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2155% | 1,928 |
| Assets per employee ($millions) | 2.1265% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,218 |
| Loan loss allowance to noncurrent loans | 48.5841% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.8645% | 413 |
| Noncurrent loans to loans | 3.1178% | 295 |
| Net loans and leases to total assets | 58.8965% | 3,434 |
| Net loans and leases to deposits | 65.5920% | 3,754 |
| Net loans and leases to core deposits | 65.7587% | 3,978 |
| Total domestic deposits to total assets | 89.7922% | 458 |
| Equity capital to assets | 10.0733% | 3,138 |
| Core capital (leverage) ratio | 10.2605% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2246% | 1,440 |
| Memoranda: | ||
| Average total assets | $111,436,667 | 3,847 |
| Average earning assets | $102,709,333 | 3,857 |
| Average equity | $11,808,000 | 4,008 |
| Average total loans | $67,928,333 | 3,793 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 982 |
| Cost of funding earning assets | 0.1229% | 5,010 |
| Net interest margin | 4.8715% | 242 |
| Noninterest income to average assets | 0.6194% | 1,955 |
| Noninterest expense to average assets | 4.1295% | 440 |
| Loan and lease loss provision to assets | 0.0563% | 3,058 |
| Net operating income to assets | 0.6457% | 3,460 |
| Return on assets (ROA) | 0.6457% | 3,523 |
| Pretax return on assets | 0.8972% | 3,145 |
| Return on Equity (ROE) | 5.9275% | 3,339 |
| Retained earnings to average equity (ytd only) | 5.9275% | 1,903 |
| Net charge-offs to loans | -0.0366% | 4,534 |
| Credit loss provision to net charge-offs | -250.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4284% | 1,099 |
| Assets per employee ($millions) | 1.9854% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,202 |
| Loan loss allowance to noncurrent loans | 34.2615% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 2.7468% | 233 |
| Noncurrent loans to loans | 4.5143% | 149 |
| Net loans and leases to total assets | 59.9064% | 3,503 |
| Net loans and leases to deposits | 67.3984% | 3,769 |
| Net loans and leases to core deposits | 67.5935% | 4,008 |
| Total domestic deposits to total assets | 88.8839% | 713 |
| Equity capital to assets | 10.9062% | 2,942 |
| Core capital (leverage) ratio | 10.6913% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6397% | 1,042 |
| Memoranda: | ||
| Average total assets | $106,549,500 | 3,892 |
| Average earning assets | $97,629,000 | 3,903 |
| Average equity | $11,607,000 | 4,048 |
| Average total loans | $65,649,000 | 3,855 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0068% | 1,459 |
| Cost of funding earning assets | 0.1570% | 5,037 |
| Net interest margin | 4.8498% | 367 |
| Noninterest income to average assets | 0.7032% | 1,808 |
| Noninterest expense to average assets | 3.9069% | 593 |
| Loan and lease loss provision to assets | 0.0572% | 2,891 |
| Net operating income to assets | 0.8509% | 3,387 |
| Return on assets (ROA) | 0.8509% | 3,476 |
| Pretax return on assets | 1.1549% | 2,997 |
| Return on Equity (ROE) | 7.9398% | 3,193 |
| Retained earnings to average equity (ytd only) | 5.6281% | 2,083 |
| Net charge-offs to loans | 0.0399% | 2,586 |
| Credit loss provision to net charge-offs | 240.0000% | 1,125 |
| Earnings coverage of net charge-offs (x) | 50.8800% | 1,114 |
| Efficiency ratio | 75.5212% | 1,416 |
| Assets per employee ($millions) | 2.0363% | 5,078 |
| Cash dividends to net income (ytd only)* | 29.1153% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 1,246 |
| Loan loss allowance to noncurrent loans | 47.8219% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.9512% | 412 |
| Noncurrent loans to loans | 3.1274% | 287 |
| Net loans and leases to total assets | 61.4563% | 3,454 |
| Net loans and leases to deposits | 69.0415% | 3,738 |
| Net loans and leases to core deposits | 69.6191% | 3,981 |
| Total domestic deposits to total assets | 89.0136% | 667 |
| Equity capital to assets | 10.8807% | 3,106 |
| Core capital (leverage) ratio | 10.5831% | 2,872 |
| Tier 1 risk-based capital ratio | 17.2334% | 1,988 |
| Total risk-based capital ratio | 18.4854% | 1,924 |
| Memoranda: | ||
| Average total assets | $104,943,400 | 3,918 |
| Average earning assets | $95,549,800 | 3,942 |
| Average equity | $11,247,200 | 4,086 |
| Average total loans | $62,635,000 | 3,935 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0064% | 1,516 |
| Cost of funding earning assets | 0.1600% | 5,104 |
| Net interest margin | 4.8464% | 382 |
| Noninterest income to average assets | 0.7271% | 1,677 |
| Noninterest expense to average assets | 3.8341% | 628 |
| Loan and lease loss provision to assets | 0.0573% | 2,751 |
| Net operating income to assets | 0.8086% | 3,651 |
| Return on assets (ROA) | 0.8086% | 3,728 |
| Pretax return on assets | 1.2326% | 2,878 |
| Return on Equity (ROE) | 7.5737% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.5737% | 1,590 |
| Net charge-offs to loans | -0.0863% | 4,967 |
| Credit loss provision to net charge-offs | -112.5000% | 4,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0308% | 1,563 |
| Assets per employee ($millions) | 1.8952% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 989 |
| Loan loss allowance to noncurrent loans | 48.4820% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 2.0540% | 415 |
| Noncurrent loans to loans | 3.3087% | 262 |
| Net loans and leases to total assets | 61.0837% | 3,579 |
| Net loans and leases to deposits | 68.8436% | 3,854 |
| Net loans and leases to core deposits | 69.4284% | 4,081 |
| Total domestic deposits to total assets | 88.7282% | 726 |
| Equity capital to assets | 11.0549% | 3,056 |
| Core capital (leverage) ratio | 10.7567% | 2,884 |
| Tier 1 risk-based capital ratio | 16.0967% | 2,394 |
| Total risk-based capital ratio | 17.3497% | 2,337 |
| Memoranda: | ||
| Average total assets | $104,708,000 | 3,968 |
| Average earning assets | $94,996,250 | 3,998 |
| Average equity | $11,178,750 | 4,132 |
| Average total loans | $61,778,500 | 3,992 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 1,935 |
| Cost of funding earning assets | 0.1516% | 5,159 |
| Net interest margin | 4.6879% | 503 |
| Noninterest income to average assets | 0.7381% | 1,570 |
| Noninterest expense to average assets | 3.7915% | 668 |
| Loan and lease loss provision to assets | 0.0572% | 2,681 |
| Net operating income to assets | 0.7018% | 4,000 |
| Return on assets (ROA) | 0.7018% | 4,053 |
| Pretax return on assets | 1.1367% | 3,131 |
| Return on Equity (ROE) | 6.6522% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.6522% | 1,978 |
| Net charge-offs to loans | -0.1447% | 5,074 |
| Credit loss provision to net charge-offs | -68.1818% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2487% | 1,491 |
| Assets per employee ($millions) | 2.0335% | 5,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 1,040 |
| Loan loss allowance to noncurrent loans | 47.8342% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 2.0702% | 433 |
| Noncurrent loans to loans | 3.3336% | 272 |
| Net loans and leases to total assets | 61.1104% | 3,638 |
| Net loans and leases to deposits | 68.6567% | 3,930 |
| Net loans and leases to core deposits | 69.2380% | 4,140 |
| Total domestic deposits to total assets | 89.0087% | 659 |
| Equity capital to assets | 10.8534% | 3,223 |
| Core capital (leverage) ratio | 10.5195% | 3,067 |
| Tier 1 risk-based capital ratio | 15.3201% | 2,700 |
| Total risk-based capital ratio | 16.5718% | 2,629 |
| Memoranda: | ||
| Average total assets | $104,866,000 | 3,983 |
| Average earning assets | $95,011,330 | 4,011 |
| Average equity | $11,064,000 | 4,162 |
| Average total loans | $60,802,000 | 4,036 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7887% | 1,935 |
| Cost of funding earning assets | 0.1462% | 5,216 |
| Net interest margin | 4.6426% | 559 |
| Noninterest income to average assets | 0.7094% | 1,580 |
| Noninterest expense to average assets | 3.7441% | 701 |
| Loan and lease loss provision to assets | 0.0569% | 2,526 |
| Net operating income to assets | 0.6070% | 4,219 |
| Return on assets (ROA) | 0.6070% | 4,259 |
| Pretax return on assets | 1.0053% | 3,417 |
| Return on Equity (ROE) | 5.8352% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.8352% | 2,531 |
| Net charge-offs to loans | -0.2576% | 5,200 |
| Credit loss provision to net charge-offs | -39.4737% | 3,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1113% | 1,369 |
| Assets per employee ($millions) | 2.0798% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 891 |
| Loan loss allowance to noncurrent loans | 46.3168% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 2.0887% | 443 |
| Noncurrent loans to loans | 3.6336% | 240 |
| Net loans and leases to total assets | 56.5152% | 4,029 |
| Net loans and leases to deposits | 63.3655% | 4,226 |
| Net loans and leases to core deposits | 63.7242% | 4,394 |
| Total domestic deposits to total assets | 89.1891% | 774 |
| Equity capital to assets | 10.6243% | 3,232 |
| Core capital (leverage) ratio | 10.1603% | 3,428 |
| Tier 1 risk-based capital ratio | 17.5130% | 1,935 |
| Total risk-based capital ratio | 17.9642% | 2,148 |
| Memoranda: | ||
| Average total assets | $105,444,500 | 4,016 |
| Average earning assets | $93,051,500 | 4,096 |
| Average equity | $10,968,000 | 4,193 |
| Average total loans | $59,001,000 | 4,110 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 1,716 |
| Cost of funding earning assets | 0.0881% | 5,314 |
| Net interest margin | 4.6482% | 547 |
| Noninterest income to average assets | 0.8338% | 1,357 |
| Noninterest expense to average assets | 3.7597% | 721 |
| Loan and lease loss provision to assets | 0.0578% | 3,005 |
| Net operating income to assets | 0.9339% | 3,311 |
| Return on assets (ROA) | 0.9339% | 3,304 |
| Pretax return on assets | 1.2343% | 2,760 |
| Return on Equity (ROE) | 9.1861% | 2,898 |
| Retained earnings to average equity (ytd only) | 6.7239% | 1,800 |
| Net charge-offs to loans | -0.0537% | 4,997 |
| Credit loss provision to net charge-offs | -187.5000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6040% | 1,683 |
| Assets per employee ($millions) | 2.1380% | 5,297 |
| Cash dividends to net income (ytd only)* | 26.8041% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 951 |
| Loan loss allowance to noncurrent loans | 57.8628% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.5407% | 752 |
| Noncurrent loans to loans | 2.8286% | 383 |
| Net loans and leases to total assets | 53.5767% | 4,313 |
| Net loans and leases to deposits | 59.7058% | 4,496 |
| Net loans and leases to core deposits | 59.8743% | 4,632 |
| Total domestic deposits to total assets | 89.7344% | 558 |
| Equity capital to assets | 10.1851% | 3,485 |
| Core capital (leverage) ratio | 9.8929% | 3,700 |
| Tier 1 risk-based capital ratio | 17.6055% | 1,867 |
| Total risk-based capital ratio | 18.8599% | 1,822 |
| Memoranda: | ||
| Average total assets | $103,863,600 | 4,041 |
| Average earning assets | $94,251,200 | 4,062 |
| Average equity | $10,559,400 | 4,228 |
| Average total loans | $59,560,000 | 4,101 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 1,749 |
| Cost of funding earning assets | 0.0824% | 5,389 |
| Net interest margin | 4.5930% | 607 |
| Noninterest income to average assets | 0.8367% | 1,362 |
| Noninterest expense to average assets | 3.7023% | 754 |
| Loan and lease loss provision to assets | 0.0582% | 2,812 |
| Net operating income to assets | 0.8496% | 3,744 |
| Return on assets (ROA) | 0.8496% | 3,749 |
| Pretax return on assets | 1.2570% | 2,785 |
| Return on Equity (ROE) | 8.3608% | 3,399 |
| Retained earnings to average equity (ytd only) | 8.3608% | 1,493 |
| Net charge-offs to loans | -0.0401% | 4,852 |
| Credit loss provision to net charge-offs | -250.0000% | 4,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9897% | 1,734 |
| Assets per employee ($millions) | 2.0327% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 1,314 |
| Loan loss allowance to noncurrent loans | 57.3557% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.5241% | 836 |
| Noncurrent loans to loans | 2.6329% | 474 |
| Net loans and leases to total assets | 57.0122% | 4,130 |
| Net loans and leases to deposits | 63.5981% | 4,355 |
| Net loans and leases to core deposits | 63.5981% | 4,543 |
| Total domestic deposits to total assets | 89.6445% | 622 |
| Equity capital to assets | 10.2505% | 3,401 |
| Core capital (leverage) ratio | 10.0614% | 3,574 |
| Tier 1 risk-based capital ratio | 16.8234% | 2,163 |
| Total risk-based capital ratio | 18.0753% | 2,112 |
| Memoranda: | ||
| Average total assets | $103,104,250 | 4,092 |
| Average earning assets | $93,851,500 | 4,110 |
| Average equity | $10,477,250 | 4,276 |
| Average total loans | $59,893,250 | 4,138 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6083% | 1,757 |
| Cost of funding earning assets | 0.0839% | 5,435 |
| Net interest margin | 4.5243% | 662 |
| Noninterest income to average assets | 0.8157% | 1,428 |
| Noninterest expense to average assets | 3.6992% | 760 |
| Loan and lease loss provision to assets | 0.0587% | 2,730 |
| Net operating income to assets | 0.7590% | 4,001 |
| Return on assets (ROA) | 0.7590% | 4,003 |
| Pretax return on assets | 1.1698% | 3,048 |
| Return on Equity (ROE) | 7.4918% | 3,727 |
| Retained earnings to average equity (ytd only) | 7.4918% | 1,847 |
| Net charge-offs to loans | -0.0538% | 4,947 |
| Credit loss provision to net charge-offs | -187.5000% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2358% | 1,675 |
| Assets per employee ($millions) | 2.1535% | 5,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 1,415 |
| Loan loss allowance to noncurrent loans | 55.8842% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.5701% | 826 |
| Noncurrent loans to loans | 2.6742% | 458 |
| Net loans and leases to total assets | 57.8350% | 4,009 |
| Net loans and leases to deposits | 64.4940% | 4,248 |
| Net loans and leases to core deposits | 64.7041% | 4,448 |
| Total domestic deposits to total assets | 89.6750% | 678 |
| Equity capital to assets | 10.2215% | 3,425 |
| Core capital (leverage) ratio | 9.9933% | 3,587 |
| Tier 1 risk-based capital ratio | 16.6249% | 2,216 |
| Total risk-based capital ratio | 17.8766% | 2,163 |
| Memoranda: | ||
| Average total assets | $102,238,330 | 4,139 |
| Average earning assets | $92,919,670 | 4,159 |
| Average equity | $10,358,000 | 4,329 |
| Average total loans | $59,462,000 | 4,177 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 2,114 |
| Cost of funding earning assets | 0.0868% | 5,486 |
| Net interest margin | 4.3373% | 885 |
| Noninterest income to average assets | 0.8144% | 1,406 |
| Noninterest expense to average assets | 3.6824% | 784 |
| Loan and lease loss provision to assets | 0.0590% | 2,586 |
| Net operating income to assets | 0.5901% | 4,450 |
| Return on assets (ROA) | 0.5901% | 4,456 |
| Pretax return on assets | 1.0032% | 3,521 |
| Return on Equity (ROE) | 5.8514% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.8514% | 2,778 |
| Net charge-offs to loans | 0.0272% | 1,953 |
| Credit loss provision to net charge-offs | 375.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 788 |
| Efficiency ratio | 76.6998% | 1,494 |
| Assets per employee ($millions) | 2.1659% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 1,501 |
| Loan loss allowance to noncurrent loans | 45.7983% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.8841% | 633 |
| Noncurrent loans to loans | 3.2514% | 341 |
| Net loans and leases to total assets | 56.6681% | 4,061 |
| Net loans and leases to deposits | 63.2256% | 4,261 |
| Net loans and leases to core deposits | 63.8526% | 4,431 |
| Total domestic deposits to total assets | 89.6285% | 824 |
| Equity capital to assets | 10.1466% | 3,454 |
| Core capital (leverage) ratio | 9.9505% | 3,587 |
| Tier 1 risk-based capital ratio | 12.8578% | 4,031 |
| Total risk-based capital ratio | 13.9845% | 3,987 |
| Memoranda: | ||
| Average total assets | $101,672,500 | 4,201 |
| Average earning assets | $92,131,000 | 4,230 |
| Average equity | $10,254,000 | 4,391 |
| Average total loans | $58,847,500 | 4,226 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 1,419 |
| Cost of funding earning assets | 0.1053% | 5,478 |
| Net interest margin | 4.4980% | 612 |
| Noninterest income to average assets | 0.8340% | 1,450 |
| Noninterest expense to average assets | 3.6232% | 872 |
| Loan and lease loss provision to assets | 0.0353% | 3,564 |
| Net operating income to assets | 0.7565% | 3,360 |
| Return on assets (ROA) | 0.7565% | 3,400 |
| Pretax return on assets | 1.2641% | 2,492 |
| Return on Equity (ROE) | 7.5521% | 3,013 |
| Retained earnings to average equity (ytd only) | 5.5409% | 1,797 |
| Net charge-offs to loans | -0.0201% | 4,960 |
| Credit loss provision to net charge-offs | -318.1818% | 4,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7236% | 2,113 |
| Assets per employee ($millions) | 2.1156% | 5,553 |
| Cash dividends to net income (ytd only)* | 26.6312% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 1,565 |
| Loan loss allowance to noncurrent loans | 619.4245% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 4,390 |
| Noncurrent loans to loans | 0.2351% | 3,962 |
| Net loans and leases to total assets | 57.3872% | 4,070 |
| Net loans and leases to deposits | 63.8518% | 4,327 |
| Net loans and leases to core deposits | 64.6997% | 4,487 |
| Total domestic deposits to total assets | 89.8756% | 609 |
| Equity capital to assets | 10.0239% | 3,677 |
| Core capital (leverage) ratio | 9.9311% | 3,540 |
| Tier 1 risk-based capital ratio | 17.0079% | 2,090 |
| Total risk-based capital ratio | 18.2698% | 2,037 |
| Memoranda: | ||
| Average total assets | $99,277,800 | 4,250 |
| Average earning assets | $90,239,400 | 4,284 |
| Average equity | $9,944,200 | 4,459 |
| Average total loans | $54,635,800 | 4,341 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5707% | 1,446 |
| Cost of funding earning assets | 0.1145% | 5,500 |
| Net interest margin | 4.4562% | 657 |
| Noninterest income to average assets | 0.8685% | 1,378 |
| Noninterest expense to average assets | 3.5713% | 899 |
| Loan and lease loss provision to assets | 0.0473% | 3,158 |
| Net operating income to assets | 0.7780% | 3,606 |
| Return on assets (ROA) | 0.7780% | 3,657 |
| Pretax return on assets | 1.2980% | 2,504 |
| Return on Equity (ROE) | 7.7688% | 3,252 |
| Retained earnings to average equity (ytd only) | 7.7688% | 1,315 |
| Net charge-offs to loans | -0.1271% | 5,443 |
| Credit loss provision to net charge-offs | -68.6275% | 4,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7582% | 2,235 |
| Assets per employee ($millions) | 2.1607% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 1,308 |
| Loan loss allowance to noncurrent loans | 448.2587% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 4,282 |
| Noncurrent loans to loans | 0.3500% | 3,693 |
| Net loans and leases to total assets | 56.8679% | 4,162 |
| Net loans and leases to deposits | 63.4611% | 4,415 |
| Net loans and leases to core deposits | 64.5092% | 4,583 |
| Total domestic deposits to total assets | 89.6106% | 614 |
| Equity capital to assets | 10.2666% | 3,622 |
| Core capital (leverage) ratio | 10.2491% | 3,255 |
| Tier 1 risk-based capital ratio | 16.1922% | 2,419 |
| Total risk-based capital ratio | 17.4543% | 2,367 |
| Memoranda: | ||
| Average total assets | $98,710,500 | 4,302 |
| Average earning assets | $89,670,250 | 4,340 |
| Average equity | $9,885,500 | 4,517 |
| Average total loans | $53,510,750 | 4,419 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 1,785 |
| Cost of funding earning assets | 0.1320% | 5,438 |
| Net interest margin | 4.2770% | 919 |
| Noninterest income to average assets | 0.8428% | 1,432 |
| Noninterest expense to average assets | 3.5620% | 920 |
| Loan and lease loss provision to assets | 0.0609% | 2,743 |
| Net operating income to assets | 0.6153% | 4,236 |
| Return on assets (ROA) | 0.6153% | 4,280 |
| Pretax return on assets | 1.1027% | 3,165 |
| Return on Equity (ROE) | 6.1967% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.1967% | 2,022 |
| Net charge-offs to loans | -0.0077% | 4,450 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4736% | 1,928 |
| Assets per employee ($millions) | 2.1488% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 1,525 |
| Loan loss allowance to noncurrent loans | 393.9535% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 4,229 |
| Noncurrent loans to loans | 0.3853% | 3,644 |
| Net loans and leases to total assets | 55.5980% | 4,259 |
| Net loans and leases to deposits | 61.9059% | 4,510 |
| Net loans and leases to core deposits | 62.7155% | 4,681 |
| Total domestic deposits to total assets | 89.8105% | 601 |
| Equity capital to assets | 10.0468% | 3,855 |
| Core capital (leverage) ratio | 9.9893% | 3,551 |
| Tier 1 risk-based capital ratio | 17.5669% | 1,983 |
| Total risk-based capital ratio | 18.5823% | 2,011 |
| Memoranda: | ||
| Average total assets | $98,484,000 | 4,335 |
| Average earning assets | $89,409,000 | 4,371 |
| Average equity | $9,779,330 | 4,545 |
| Average total loans | $52,207,000 | 4,463 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 1,734 |
| Cost of funding earning assets | 0.1916% | 5,052 |
| Net interest margin | 4.1830% | 1,025 |
| Noninterest income to average assets | 0.8504% | 1,396 |
| Noninterest expense to average assets | 3.5075% | 1,034 |
| Loan and lease loss provision to assets | 0.0610% | 2,583 |
| Net operating income to assets | 0.6144% | 4,090 |
| Return on assets (ROA) | 0.6144% | 4,148 |
| Pretax return on assets | 1.1027% | 2,968 |
| Return on Equity (ROE) | 6.2246% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.2246% | 2,223 |
| Net charge-offs to loans | 0.0159% | 2,481 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 143.0000% | 381 |
| Efficiency ratio | 74.1289% | 2,210 |
| Assets per employee ($millions) | 2.1408% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 1,409 |
| Loan loss allowance to noncurrent loans | 385.1163% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 3,988 |
| Noncurrent loans to loans | 0.4129% | 3,612 |
| Net loans and leases to total assets | 52.0381% | 4,511 |
| Net loans and leases to deposits | 57.9321% | 4,703 |
| Net loans and leases to core deposits | 58.6925% | 4,843 |
| Total domestic deposits to total assets | 89.8259% | 738 |
| Equity capital to assets | 9.9303% | 3,845 |
| Core capital (leverage) ratio | 9.8702% | 3,663 |
| Tier 1 risk-based capital ratio | 18.2172% | 1,800 |
| Total risk-based capital ratio | 19.4701% | 1,770 |
| Memoranda: | ||
| Average total assets | $98,302,500 | 4,385 |
| Average earning assets | $89,793,000 | 4,405 |
| Average equity | $9,703,500 | 4,588 |
| Average total loans | $50,408,500 | 4,550 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 2,097 |
| Cost of funding earning assets | 0.1226% | 5,603 |
| Net interest margin | 4.1932% | 1,138 |
| Noninterest income to average assets | 0.9931% | 1,168 |
| Noninterest expense to average assets | 3.5445% | 1,096 |
| Loan and lease loss provision to assets | 0.0364% | 3,635 |
| Net operating income to assets | 0.8015% | 3,299 |
| Return on assets (ROA) | 0.8015% | 3,401 |
| Pretax return on assets | 1.2231% | 2,578 |
| Return on Equity (ROE) | 8.2730% | 2,800 |
| Retained earnings to average equity (ytd only) | 6.4465% | 1,477 |
| Net charge-offs to loans | -0.0617% | 5,454 |
| Credit loss provision to net charge-offs | -120.6897% | 4,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8277% | 2,453 |
| Assets per employee ($millions) | 2.2302% | 5,755 |
| Cash dividends to net income (ytd only)* | 22.0779% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6720% | 1,194 |
| Loan loss allowance to noncurrent loans | 471.0983% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 4,253 |
| Noncurrent loans to loans | 0.3549% | 3,860 |
| Net loans and leases to total assets | 48.8428% | 4,843 |
| Net loans and leases to deposits | 54.2404% | 4,999 |
| Net loans and leases to core deposits | 54.7641% | 5,110 |
| Total domestic deposits to total assets | 90.0488% | 613 |
| Equity capital to assets | 9.8116% | 3,926 |
| Core capital (leverage) ratio | 9.5594% | 4,015 |
| Tier 1 risk-based capital ratio | 19.7139% | 1,436 |
| Total risk-based capital ratio | 20.9696% | 1,399 |
| Memoranda: | ||
| Average total assets | $96,064,400 | 4,426 |
| Average earning assets | $87,307,800 | 4,451 |
| Average equity | $9,307,400 | 4,686 |
| Average total loans | $46,983,200 | 4,669 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2563% | 2,314 |
| Cost of funding earning assets | 0.1230% | 5,660 |
| Net interest margin | 4.1333% | 1,299 |
| Noninterest income to average assets | 0.9168% | 1,355 |
| Noninterest expense to average assets | 3.6002% | 997 |
| Loan and lease loss provision to assets | 0.0349% | 3,538 |
| Net operating income to assets | 0.6014% | 4,285 |
| Return on assets (ROA) | 0.6014% | 4,402 |
| Pretax return on assets | 1.0326% | 3,504 |
| Return on Equity (ROE) | 6.2277% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.2277% | 2,048 |
| Net charge-offs to loans | -0.1919% | 5,751 |
| Credit loss provision to net charge-offs | -37.3134% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1435% | 1,960 |
| Assets per employee ($millions) | 2.1978% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 1,225 |
| Loan loss allowance to noncurrent loans | 388.4793% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 3,777 |
| Noncurrent loans to loans | 0.4374% | 3,719 |
| Net loans and leases to total assets | 50.4286% | 4,792 |
| Net loans and leases to deposits | 56.0244% | 4,994 |
| Net loans and leases to core deposits | 56.5736% | 5,117 |
| Total domestic deposits to total assets | 90.0119% | 479 |
| Equity capital to assets | 9.7813% | 4,381 |
| Core capital (leverage) ratio | 9.6746% | 3,969 |
| Tier 1 risk-based capital ratio | 18.9365% | 1,684 |
| Total risk-based capital ratio | 20.1918% | 1,648 |
| Memoranda: | ||
| Average total assets | $95,548,250 | 4,468 |
| Average earning assets | $86,707,750 | 4,496 |
| Average equity | $9,227,250 | 4,757 |
| Average total loans | $46,543,000 | 4,717 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 2,561 |
| Cost of funding earning assets | 0.1271% | 5,716 |
| Net interest margin | 4.0581% | 1,484 |
| Noninterest income to average assets | 0.9542% | 1,233 |
| Noninterest expense to average assets | 3.6233% | 976 |
| Loan and lease loss provision to assets | 0.0630% | 2,878 |
| Net operating income to assets | 0.5380% | 4,531 |
| Return on assets (ROA) | 0.5380% | 4,639 |
| Pretax return on assets | 0.9584% | 3,752 |
| Return on Equity (ROE) | 5.5956% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.5956% | 2,365 |
| Net charge-offs to loans | -0.2285% | 5,834 |
| Credit loss provision to net charge-offs | -57.6923% | 4,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0136% | 1,930 |
| Assets per employee ($millions) | 2.0225% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 1,250 |
| Loan loss allowance to noncurrent loans | 635.8779% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 4,148 |
| Noncurrent loans to loans | 0.2692% | 4,400 |
| Net loans and leases to total assets | 51.4038% | 4,729 |
| Net loans and leases to deposits | 57.2134% | 4,941 |
| Net loans and leases to core deposits | 57.7977% | 5,081 |
| Total domestic deposits to total assets | 89.8456% | 544 |
| Equity capital to assets | 9.9791% | 4,252 |
| Core capital (leverage) ratio | 9.4560% | 4,261 |
| Tier 1 risk-based capital ratio | 18.0488% | 1,916 |
| Total risk-based capital ratio | 19.3031% | 1,883 |
| Memoranda: | ||
| Average total assets | $95,162,670 | 4,512 |
| Average earning assets | $86,543,670 | 4,531 |
| Average equity | $9,150,000 | 4,811 |
| Average total loans | $45,520,670 | 4,787 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 3,363 |
| Cost of funding earning assets | 0.1281% | 5,765 |
| Net interest margin | 3.8327% | 2,165 |
| Noninterest income to average assets | 1.0101% | 1,055 |
| Noninterest expense to average assets | 3.6206% | 989 |
| Loan and lease loss provision to assets | 0.0624% | 2,702 |
| Net operating income to assets | 0.4573% | 4,802 |
| Return on assets (ROA) | 0.4573% | 4,883 |
| Pretax return on assets | 0.8106% | 4,160 |
| Return on Equity (ROE) | 4.8442% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.8442% | 3,039 |
| Net charge-offs to loans | -0.4459% | 5,983 |
| Credit loss provision to net charge-offs | -30.6122% | 4,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4635% | 1,671 |
| Assets per employee ($millions) | 2.1256% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8417% | 1,071 |
| Loan loss allowance to noncurrent loans | 241.8398% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 3,168 |
| Noncurrent loans to loans | 0.7615% | 2,928 |
| Net loans and leases to total assets | 45.4135% | 5,159 |
| Net loans and leases to deposits | 50.3576% | 5,321 |
| Net loans and leases to core deposits | 50.8552% | 5,409 |
| Total domestic deposits to total assets | 90.1819% | 531 |
| Equity capital to assets | 9.5536% | 4,616 |
| Core capital (leverage) ratio | 9.4756% | 4,240 |
| Tier 1 risk-based capital ratio | 20.1356% | 1,472 |
| Total risk-based capital ratio | 21.3929% | 1,450 |
| Memoranda: | ||
| Average total assets | $96,227,000 | 4,528 |
| Average earning assets | $87,458,000 | 4,555 |
| Average equity | $9,083,000 | 4,846 |
| Average total loans | $43,953,000 | 4,868 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 1,485 |
| Cost of funding earning assets | 0.1776% | 5,483 |
| Net interest margin | 4.3626% | 854 |
| Noninterest income to average assets | 1.6791% | 464 |
| Noninterest expense to average assets | 3.6735% | 1,012 |
| Loan and lease loss provision to assets | 0.0717% | 2,840 |
| Net operating income to assets | 1.1847% | 1,607 |
| Return on assets (ROA) | 1.1847% | 1,683 |
| Pretax return on assets | 1.8642% | 703 |
| Return on Equity (ROE) | 11.4972% | 1,437 |
| Retained earnings to average equity (ytd only) | 9.6428% | 512 |
| Net charge-offs to loans | -0.1423% | 5,879 |
| Credit loss provision to net charge-offs | -105.2632% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7435% | 4,127 |
| Assets per employee ($millions) | 2.1512% | 6,014 |
| Cash dividends to net income (ytd only)* | 16.1290% | 3,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 1,310 |
| Loan loss allowance to noncurrent loans | 300.4000% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.5568% | 3,429 |
| Noncurrent loans to loans | 0.5727% | 3,455 |
| Net loans and leases to total assets | 44.3184% | 5,265 |
| Net loans and leases to deposits | 48.9643% | 5,444 |
| Net loans and leases to core deposits | 49.4405% | 5,521 |
| Total domestic deposits to total assets | 90.5118% | 434 |
| Equity capital to assets | 9.3261% | 4,758 |
| Core capital (leverage) ratio | 8.9940% | 4,889 |
| Tier 1 risk-based capital ratio | 18.3441% | 1,872 |
| Total risk-based capital ratio | 19.5534% | 1,839 |
| Memoranda: | ||
| Average total assets | $83,735,600 | 4,794 |
| Average earning assets | $75,436,400 | 4,822 |
| Average equity | $8,628,200 | 4,924 |
| Average total loans | $40,065,200 | 5,015 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 1,179 |
| Cost of funding earning assets | 0.1862% | 5,490 |
| Net interest margin | 4.4752% | 690 |
| Noninterest income to average assets | 1.8906% | 391 |
| Noninterest expense to average assets | 3.6469% | 1,047 |
| Loan and lease loss provision to assets | 0.0746% | 2,686 |
| Net operating income to assets | 1.3454% | 1,236 |
| Return on assets (ROA) | 1.3454% | 1,279 |
| Pretax return on assets | 2.1921% | 424 |
| Return on Equity (ROE) | 12.6947% | 1,195 |
| Retained earnings to average equity (ytd only) | 12.6947% | 304 |
| Net charge-offs to loans | -0.1702% | 5,953 |
| Credit loss provision to net charge-offs | -90.0000% | 5,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0535% | 4,722 |
| Assets per employee ($millions) | 2.0063% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 1,738 |
| Loan loss allowance to noncurrent loans | 273.0337% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.8972% | 2,632 |
| Noncurrent loans to loans | 0.5914% | 3,553 |
| Net loans and leases to total assets | 47.1060% | 5,144 |
| Net loans and leases to deposits | 52.1901% | 5,359 |
| Net loans and leases to core deposits | 52.8879% | 5,465 |
| Total domestic deposits to total assets | 90.2585% | 484 |
| Equity capital to assets | 9.5527% | 4,687 |
| Core capital (leverage) ratio | 9.1391% | 4,826 |
| Tier 1 risk-based capital ratio | 16.2796% | 2,682 |
| Total risk-based capital ratio | 17.5284% | 2,635 |
| Memoranda: | ||
| Average total assets | $80,468,500 | 4,917 |
| Average earning assets | $72,338,250 | 4,947 |
| Average equity | $8,528,250 | 5,010 |
| Average total loans | $39,168,250 | 5,099 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 2,090 |
| Cost of funding earning assets | 0.1938% | 5,501 |
| Net interest margin | 4.1343% | 1,266 |
| Noninterest income to average assets | 3.2926% | 194 |
| Noninterest expense to average assets | 3.6134% | 1,101 |
| Loan and lease loss provision to assets | 0.0789% | 2,536 |
| Net operating income to assets | 2.7535% | 118 |
| Return on assets (ROA) | 2.7535% | 122 |
| Pretax return on assets | 3.3031% | 112 |
| Return on Equity (ROE) | 24.4636% | 127 |
| Retained earnings to average equity (ytd only) | 24.4636% | 50 |
| Net charge-offs to loans | -0.0108% | 4,943 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2782% | 5,772 |
| Assets per employee ($millions) | 2.3242% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 2,502 |
| Loan loss allowance to noncurrent loans | 158.5714% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.1785% | 2,153 |
| Noncurrent loans to loans | 0.9161% | 2,837 |
| Net loans and leases to total assets | 47.4148% | 5,153 |
| Net loans and leases to deposits | 52.6634% | 5,336 |
| Net loans and leases to core deposits | 53.5427% | 5,448 |
| Total domestic deposits to total assets | 90.0337% | 653 |
| Equity capital to assets | 9.6998% | 4,397 |
| Core capital (leverage) ratio | 9.3478% | 4,490 |
| Tier 1 risk-based capital ratio | 16.8377% | 2,470 |
| Total risk-based capital ratio | 18.0823% | 2,427 |
| Memoranda: | ||
| Average total assets | $76,050,000 | 5,052 |
| Average earning assets | $68,112,670 | 5,094 |
| Average equity | $8,559,670 | 5,044 |
| Average total loans | $37,174,670 | 5,211 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 2,708 |
| Cost of funding earning assets | 0.2024% | 5,488 |
| Net interest margin | 3.9275% | 1,795 |
| Noninterest income to average assets | 0.8310% | 1,599 |
| Noninterest expense to average assets | 3.5526% | 1,208 |
| Loan and lease loss provision to assets | 0.0903% | 2,186 |
| Net operating income to assets | 0.2649% | 5,518 |
| Return on assets (ROA) | 0.2649% | 5,613 |
| Pretax return on assets | 0.6925% | 4,616 |
| Return on Equity (ROE) | 2.1416% | 5,655 |
| Retained earnings to average equity (ytd only) | 2.1416% | 4,605 |
| Net charge-offs to loans | 0.0122% | 2,946 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 402 |
| Efficiency ratio | 81.6667% | 1,662 |
| Assets per employee ($millions) | 2.0059% | 6,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9436% | 1,201 |
| Loan loss allowance to noncurrent loans | 1,322.4490% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 3,580 |
| Noncurrent loans to loans | 0.1470% | 5,252 |
| Net loans and leases to total assets | 49.3867% | 4,908 |
| Net loans and leases to deposits | 56.5566% | 5,014 |
| Net loans and leases to core deposits | 58.3515% | 5,097 |
| Total domestic deposits to total assets | 87.3225% | 2,204 |
| Equity capital to assets | 12.4479% | 1,724 |
| Core capital (leverage) ratio | 12.4518% | 1,382 |
| Tier 1 risk-based capital ratio | 23.3614% | 1,067 |
| Total risk-based capital ratio | 24.6178% | 1,038 |
| Memoranda: | ||
| Average total assets | $66,429,500 | 5,344 |
| Average earning assets | $59,274,500 | 5,378 |
| Average equity | $8,218,000 | 5,159 |
| Average total loans | $32,838,000 | 5,409 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 3,105 |
| Cost of funding earning assets | 0.2481% | 5,347 |
| Net interest margin | 3.9067% | 2,214 |
| Noninterest income to average assets | 0.9509% | 1,343 |
| Noninterest expense to average assets | 3.6115% | 1,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6047% | 4,343 |
| Return on assets (ROA) | 0.6047% | 4,439 |
| Pretax return on assets | 0.8390% | 4,115 |
| Return on Equity (ROE) | 4.9454% | 4,693 |
| Retained earnings to average equity (ytd only) | 2.9672% | 4,134 |
| Net charge-offs to loans | 0.2353% | 1,796 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.9375% | 3,115 |
| Efficiency ratio | 80.8084% | 1,803 |
| Assets per employee ($millions) | 2.0201% | 6,369 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9607% | 1,180 |
| Loan loss allowance to noncurrent loans | 229.7101% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 3,553 |
| Noncurrent loans to loans | 0.8535% | 3,180 |
| Net loans and leases to total assets | 47.5556% | 5,194 |
| Net loans and leases to deposits | 54.3419% | 5,306 |
| Net loans and leases to core deposits | 56.0621% | 5,381 |
| Total domestic deposits to total assets | 87.5118% | 2,027 |
| Equity capital to assets | 12.2947% | 1,788 |
| Core capital (leverage) ratio | 12.1178% | 1,553 |
| Tier 1 risk-based capital ratio | 18.8959% | 1,881 |
| Total risk-based capital ratio | 20.1555% | 1,840 |
| Memoranda: | ||
| Average total assets | $66,149,400 | 5,388 |
| Average earning assets | $59,257,200 | 5,413 |
| Average equity | $8,088,400 | 5,183 |
| Average total loans | $34,005,000 | 5,398 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 2,905 |
| Cost of funding earning assets | 0.2593% | 5,313 |
| Net interest margin | 3.9662% | 1,978 |
| Noninterest income to average assets | 0.9714% | 1,309 |
| Noninterest expense to average assets | 3.6311% | 1,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5453% | 4,693 |
| Return on assets (ROA) | 0.5453% | 4,767 |
| Pretax return on assets | 0.8926% | 4,022 |
| Return on Equity (ROE) | 4.4655% | 4,978 |
| Retained earnings to average equity (ytd only) | 4.4655% | 3,470 |
| Net charge-offs to loans | -0.0349% | 5,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9554% | 1,926 |
| Assets per employee ($millions) | 2.0038% | 6,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1167% | 1,065 |
| Loan loss allowance to noncurrent loans | 212.6471% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7803% | 3,478 |
| Noncurrent loans to loans | 0.9954% | 3,085 |
| Net loans and leases to total assets | 50.5611% | 4,939 |
| Net loans and leases to deposits | 57.8783% | 5,108 |
| Net loans and leases to core deposits | 59.4900% | 5,229 |
| Total domestic deposits to total assets | 87.3575% | 2,118 |
| Equity capital to assets | 12.4399% | 1,743 |
| Core capital (leverage) ratio | 12.4235% | 1,447 |
| Tier 1 risk-based capital ratio | 18.5073% | 2,049 |
| Total risk-based capital ratio | 19.7685% | 2,006 |
| Memoranda: | ||
| Average total assets | $66,021,000 | 5,454 |
| Average earning assets | $59,130,750 | 5,482 |
| Average equity | $8,061,500 | 5,231 |
| Average total loans | $34,422,250 | 5,433 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1467% | 3,162 |
| Cost of funding earning assets | 0.2710% | 5,278 |
| Net interest margin | 3.8757% | 2,274 |
| Noninterest income to average assets | 0.9335% | 1,385 |
| Noninterest expense to average assets | 3.6099% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4122% | 5,168 |
| Return on assets (ROA) | 0.4122% | 5,250 |
| Pretax return on assets | 0.7911% | 4,311 |
| Return on Equity (ROE) | 3.3972% | 5,383 |
| Retained earnings to average equity (ytd only) | 3.3972% | 4,042 |
| Net charge-offs to loans | -0.0464% | 5,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6804% | 1,780 |
| Assets per employee ($millions) | 1.9785% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1141% | 1,153 |
| Loan loss allowance to noncurrent loans | 176.5281% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 1.3907% | 2,352 |
| Noncurrent loans to loans | 1.1976% | 2,838 |
| Net loans and leases to total assets | 51.1992% | 4,833 |
| Net loans and leases to deposits | 58.5990% | 4,991 |
| Net loans and leases to core deposits | 60.6895% | 5,087 |
| Total domestic deposits to total assets | 87.3721% | 2,266 |
| Equity capital to assets | 12.3936% | 1,710 |
| Core capital (leverage) ratio | 12.3929% | 1,448 |
| Tier 1 risk-based capital ratio | 18.1875% | 2,172 |
| Total risk-based capital ratio | 19.4500% | 2,135 |
| Memoranda: | ||
| Average total assets | $65,986,000 | 5,508 |
| Average earning assets | $59,035,000 | 5,531 |
| Average equity | $8,006,670 | 5,271 |
| Average total loans | $34,510,670 | 5,470 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0878% | 3,331 |
| Cost of funding earning assets | 0.2886% | 5,185 |
| Net interest margin | 3.7991% | 2,474 |
| Noninterest income to average assets | 0.9166% | 1,342 |
| Noninterest expense to average assets | 3.5819% | 1,339 |
| Loan and lease loss provision to assets | 0.1990% | 1,175 |
| Net operating income to assets | 0.0965% | 6,039 |
| Return on assets (ROA) | 0.0965% | 6,065 |
| Pretax return on assets | 0.5487% | 5,010 |
| Return on Equity (ROE) | 0.8036% | 6,080 |
| Retained earnings to average equity (ytd only) | 0.8036% | 5,272 |
| Net charge-offs to loans | -0.0807% | 6,038 |
| Credit loss provision to net charge-offs | -471.4286% | 5,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4513% | 1,872 |
| Assets per employee ($millions) | 1.9923% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2143% | 1,137 |
| Loan loss allowance to noncurrent loans | 179.0974% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.5180% | 2,330 |
| Noncurrent loans to loans | 1.2364% | 2,977 |
| Net loans and leases to total assets | 50.6449% | 4,837 |
| Net loans and leases to deposits | 57.8093% | 4,965 |
| Net loans and leases to core deposits | 59.8469% | 5,055 |
| Total domestic deposits to total assets | 87.6069% | 2,456 |
| Equity capital to assets | 12.1255% | 1,785 |
| Core capital (leverage) ratio | 12.0431% | 1,630 |
| Tier 1 risk-based capital ratio | 17.9178% | 2,333 |
| Total risk-based capital ratio | 19.1806% | 2,305 |
| Memoranda: | ||
| Average total assets | $66,333,000 | 5,554 |
| Average earning assets | $59,592,500 | 5,567 |
| Average equity | $7,964,000 | 5,306 |
| Average total loans | $34,690,500 | 5,511 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 1,966 |
| Cost of funding earning assets | 0.3789% | 4,848 |
| Net interest margin | 4.1899% | 1,383 |
| Noninterest income to average assets | 0.9954% | 1,407 |
| Noninterest expense to average assets | 3.5843% | 1,473 |
| Loan and lease loss provision to assets | 0.1828% | 2,016 |
| Net operating income to assets | 0.6193% | 4,170 |
| Return on assets (ROA) | 0.6193% | 4,282 |
| Pretax return on assets | 0.9697% | 3,481 |
| Return on Equity (ROE) | 5.2045% | 4,535 |
| Retained earnings to average equity (ytd only) | 3.1735% | 3,976 |
| Net charge-offs to loans | 0.4490% | 1,476 |
| Credit loss provision to net charge-offs | 72.0238% | 3,246 |
| Earnings coverage of net charge-offs (x) | 4.5417% | 3,535 |
| Efficiency ratio | 75.3508% | 2,885 |
| Assets per employee ($millions) | 2.0913% | 6,610 |
| Cash dividends to net income (ytd only)* | 39.0244% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0209% | 1,505 |
| Loan loss allowance to noncurrent loans | 197.7839% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 2,594 |
| Noncurrent loans to loans | 1.0218% | 3,470 |
| Net loans and leases to total assets | 51.7274% | 4,890 |
| Net loans and leases to deposits | 58.8687% | 5,049 |
| Net loans and leases to core deposits | 61.3346% | 5,122 |
| Total domestic deposits to total assets | 87.8691% | 2,261 |
| Equity capital to assets | 11.8888% | 1,875 |
| Core capital (leverage) ratio | 11.7964% | 1,760 |
| Tier 1 risk-based capital ratio | 17.3718% | 2,466 |
| Total risk-based capital ratio | 18.6253% | 2,436 |
| Memoranda: | ||
| Average total assets | $66,205,200 | 5,589 |
| Average earning assets | $59,118,600 | 5,620 |
| Average equity | $7,877,800 | 5,374 |
| Average total loans | $37,418,400 | 5,447 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 1,814 |
| Cost of funding earning assets | 0.3942% | 4,868 |
| Net interest margin | 4.2303% | 1,244 |
| Noninterest income to average assets | 1.0036% | 1,443 |
| Noninterest expense to average assets | 3.6187% | 1,367 |
| Loan and lease loss provision to assets | 0.1777% | 2,047 |
| Net operating income to assets | 0.6280% | 4,226 |
| Return on assets (ROA) | 0.6280% | 4,349 |
| Pretax return on assets | 0.9774% | 3,596 |
| Return on Equity (ROE) | 5.2767% | 4,578 |
| Retained earnings to average equity (ytd only) | 5.2767% | 2,889 |
| Net charge-offs to loans | 0.4779% | 1,343 |
| Credit loss provision to net charge-offs | 64.7059% | 3,187 |
| Earnings coverage of net charge-offs (x) | 4.2059% | 3,506 |
| Efficiency ratio | 75.5076% | 2,812 |
| Assets per employee ($millions) | 1.8870% | 6,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 1,856 |
| Loan loss allowance to noncurrent loans | 103.9359% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.8745% | 2,169 |
| Noncurrent loans to loans | 1.8744% | 2,405 |
| Net loans and leases to total assets | 54.3342% | 4,556 |
| Net loans and leases to deposits | 62.1579% | 4,742 |
| Net loans and leases to core deposits | 64.8130% | 4,814 |
| Total domestic deposits to total assets | 87.4131% | 2,456 |
| Equity capital to assets | 12.1387% | 1,837 |
| Core capital (leverage) ratio | 12.3115% | 1,514 |
| Tier 1 risk-based capital ratio | 17.1420% | 2,651 |
| Total risk-based capital ratio | 18.3955% | 2,611 |
| Memoranda: | ||
| Average total assets | $66,026,500 | 5,651 |
| Average earning assets | $58,843,750 | 5,688 |
| Average equity | $7,858,250 | 5,429 |
| Average total loans | $37,940,500 | 5,479 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6208% | 1,781 |
| Cost of funding earning assets | 0.4037% | 4,906 |
| Net interest margin | 4.2171% | 1,234 |
| Noninterest income to average assets | 1.0148% | 1,492 |
| Noninterest expense to average assets | 3.6474% | 1,339 |
| Loan and lease loss provision to assets | 0.1999% | 1,899 |
| Net operating income to assets | 0.6089% | 4,239 |
| Return on assets (ROA) | 0.6089% | 4,412 |
| Pretax return on assets | 0.9330% | 3,770 |
| Return on Equity (ROE) | 5.1503% | 4,642 |
| Retained earnings to average equity (ytd only) | 5.1503% | 2,958 |
| Net charge-offs to loans | 0.7554% | 849 |
| Credit loss provision to net charge-offs | 45.5172% | 3,303 |
| Earnings coverage of net charge-offs (x) | 2.5793% | 3,663 |
| Efficiency ratio | 75.9823% | 2,791 |
| Assets per employee ($millions) | 1.8304% | 6,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8338% | 2,322 |
| Loan loss allowance to noncurrent loans | 136.6733% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 1.7077% | 2,547 |
| Noncurrent loans to loans | 1.3418% | 3,311 |
| Net loans and leases to total assets | 56.9868% | 4,136 |
| Net loans and leases to deposits | 65.2920% | 4,344 |
| Net loans and leases to core deposits | 68.1679% | 4,479 |
| Total domestic deposits to total assets | 87.2799% | 2,670 |
| Equity capital to assets | 12.3423% | 1,681 |
| Core capital (leverage) ratio | 12.1822% | 1,518 |
| Tier 1 risk-based capital ratio | 16.9209% | 2,741 |
| Total risk-based capital ratio | 18.1736% | 2,712 |
| Memoranda: | ||
| Average total assets | $66,020,330 | 5,690 |
| Average earning assets | $58,950,330 | 5,725 |
| Average equity | $7,805,330 | 5,482 |
| Average total loans | $38,388,000 | 5,492 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5577% | 1,960 |
| Cost of funding earning assets | 0.4143% | 4,972 |
| Net interest margin | 4.1433% | 1,346 |
| Noninterest income to average assets | 1.0269% | 1,408 |
| Noninterest expense to average assets | 3.6538% | 1,327 |
| Loan and lease loss provision to assets | 0.1970% | 1,883 |
| Net operating income to assets | 0.5791% | 4,318 |
| Return on assets (ROA) | 0.5791% | 4,469 |
| Pretax return on assets | 0.8776% | 3,851 |
| Return on Equity (ROE) | 5.0035% | 4,567 |
| Retained earnings to average equity (ytd only) | 5.0035% | 3,228 |
| Net charge-offs to loans | -0.0103% | 5,448 |
| Credit loss provision to net charge-offs | -3,300.0000% | 5,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0202% | 2,764 |
| Assets per employee ($millions) | 1.9754% | 6,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0810% | 1,841 |
| Loan loss allowance to noncurrent loans | 104.4678% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.8240% | 2,579 |
| Noncurrent loans to loans | 1.9920% | 2,626 |
| Net loans and leases to total assets | 57.3857% | 3,858 |
| Net loans and leases to deposits | 65.4570% | 4,129 |
| Net loans and leases to core deposits | 68.2678% | 4,268 |
| Total domestic deposits to total assets | 87.6693% | 2,536 |
| Equity capital to assets | 11.9702% | 2,064 |
| Core capital (leverage) ratio | 11.5909% | 1,821 |
| Tier 1 risk-based capital ratio | 16.4465% | 3,036 |
| Total risk-based capital ratio | 17.7020% | 2,986 |
| Memoranda: | ||
| Average total assets | $66,998,500 | 5,706 |
| Average earning assets | $59,855,000 | 5,750 |
| Average equity | $7,754,500 | 5,563 |
| Average total loans | $38,987,000 | 5,508 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6909% | 2,636 |
| Cost of funding earning assets | 0.5326% | 4,975 |
| Net interest margin | 4.1583% | 1,782 |
| Noninterest income to average assets | 0.9680% | 1,641 |
| Noninterest expense to average assets | 3.5675% | 1,689 |
| Loan and lease loss provision to assets | 0.7123% | 715 |
| Net operating income to assets | 0.2867% | 5,514 |
| Return on assets (ROA) | 0.2867% | 5,723 |
| Pretax return on assets | 0.3916% | 5,596 |
| Return on Equity (ROE) | 2.5736% | 5,724 |
| Retained earnings to average equity (ytd only) | 1.5787% | 5,082 |
| Net charge-offs to loans | 1.1956% | 844 |
| Credit loss provision to net charge-offs | 99.1770% | 3,126 |
| Earnings coverage of net charge-offs (x) | 1.5370% | 4,675 |
| Efficiency ratio | 76.0519% | 2,734 |
| Assets per employee ($millions) | 2.0238% | 6,894 |
| Cash dividends to net income (ytd only)* | 38.6598% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9135% | 2,257 |
| Loan loss allowance to noncurrent loans | 97.4392% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.8137% | 2,695 |
| Noncurrent loans to loans | 1.9637% | 2,729 |
| Net loans and leases to total assets | 56.6923% | 4,164 |
| Net loans and leases to deposits | 64.0642% | 4,523 |
| Net loans and leases to core deposits | 67.5007% | 4,591 |
| Total domestic deposits to total assets | 88.4930% | 1,903 |
| Equity capital to assets | 11.1990% | 2,735 |
| Core capital (leverage) ratio | 11.0367% | 2,226 |
| Tier 1 risk-based capital ratio | 15.6002% | 3,373 |
| Total risk-based capital ratio | 16.8532% | 3,331 |
| Memoranda: | ||
| Average total assets | $67,666,600 | 5,689 |
| Average earning assets | $60,265,200 | 5,736 |
| Average equity | $7,538,000 | 5,625 |
| Average total loans | $40,648,800 | 5,475 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6090% | 3,168 |
| Cost of funding earning assets | 0.5589% | 5,005 |
| Net interest margin | 4.0501% | 2,294 |
| Noninterest income to average assets | 0.9933% | 1,520 |
| Noninterest expense to average assets | 3.5618% | 1,630 |
| Loan and lease loss provision to assets | 0.8885% | 501 |
| Net operating income to assets | 0.0515% | 6,207 |
| Return on assets (ROA) | 0.0515% | 6,345 |
| Pretax return on assets | 0.1425% | 6,214 |
| Return on Equity (ROE) | 0.4625% | 6,344 |
| Retained earnings to average equity (ytd only) | 0.4625% | 5,951 |
| Net charge-offs to loans | 1.5823% | 531 |
| Credit loss provision to net charge-offs | 92.5773% | 3,220 |
| Earnings coverage of net charge-offs (x) | 1.0742% | 4,773 |
| Efficiency ratio | 77.2512% | 2,490 |
| Assets per employee ($millions) | 2.2486% | 6,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 2,941 |
| Loan loss allowance to noncurrent loans | 66.7582% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 2.2939% | 2,319 |
| Noncurrent loans to loans | 2.6316% | 2,159 |
| Net loans and leases to total assets | 58.4834% | 4,050 |
| Net loans and leases to deposits | 65.9202% | 4,478 |
| Net loans and leases to core deposits | 69.0042% | 4,610 |
| Total domestic deposits to total assets | 88.7185% | 1,585 |
| Equity capital to assets | 10.9214% | 3,356 |
| Core capital (leverage) ratio | 11.3127% | 2,126 |
| Tier 1 risk-based capital ratio | 14.8712% | 3,940 |
| Total risk-based capital ratio | 16.1213% | 3,897 |
| Memoranda: | ||
| Average total assets | $67,380,750 | 5,761 |
| Average earning assets | $59,881,250 | 5,811 |
| Average equity | $7,496,000 | 5,693 |
| Average total loans | $40,868,250 | 5,530 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 3,065 |
| Cost of funding earning assets | 0.5842% | 5,032 |
| Net interest margin | 4.0829% | 2,154 |
| Noninterest income to average assets | 0.9249% | 1,689 |
| Noninterest expense to average assets | 3.5913% | 1,594 |
| Loan and lease loss provision to assets | 1.2491% | 324 |
| Net operating income to assets | -0.3633% | 6,655 |
| Return on assets (ROA) | -0.3633% | 6,706 |
| Pretax return on assets | -0.2853% | 6,631 |
| Return on Equity (ROE) | -3.2453% | 6,691 |
| Retained earnings to average equity (ytd only) | -3.2453% | 6,495 |
| Net charge-offs to loans | 2.3660% | 309 |
| Credit loss provision to net charge-offs | 86.4865% | 3,144 |
| Earnings coverage of net charge-offs (x) | 0.6674% | 4,727 |
| Efficiency ratio | 78.5102% | 2,394 |
| Assets per employee ($millions) | 2.1895% | 6,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 3,058 |
| Loan loss allowance to noncurrent loans | 74.9465% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.7157% | 3,148 |
| Noncurrent loans to loans | 2.3259% | 2,570 |
| Net loans and leases to total assets | 60.0676% | 3,803 |
| Net loans and leases to deposits | 68.0428% | 4,189 |
| Net loans and leases to core deposits | 71.3722% | 4,371 |
| Total domestic deposits to total assets | 88.2791% | 1,968 |
| Equity capital to assets | 11.3662% | 2,723 |
| Core capital (leverage) ratio | 11.0886% | 2,217 |
| Tier 1 risk-based capital ratio | 15.1833% | 3,645 |
| Total risk-based capital ratio | 16.4349% | 3,609 |
| Memoranda: | ||
| Average total assets | $66,605,330 | 5,822 |
| Average earning assets | $59,223,000 | 5,867 |
| Average equity | $7,457,000 | 5,722 |
| Average total loans | $40,659,000 | 5,568 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5702% | 3,639 |
| Cost of funding earning assets | 0.6129% | 5,031 |
| Net interest margin | 3.9573% | 2,680 |
| Noninterest income to average assets | 0.9185% | 1,672 |
| Noninterest expense to average assets | 3.6263% | 1,504 |
| Loan and lease loss provision to assets | 2.2844% | 118 |
| Net operating income to assets | -1.6044% | 7,109 |
| Return on assets (ROA) | -1.6044% | 7,112 |
| Pretax return on assets | -1.4493% | 7,068 |
| Return on Equity (ROE) | -14.4381% | 7,057 |
| Retained earnings to average equity (ytd only) | -14.4381% | 6,959 |
| Net charge-offs to loans | 3.6177% | 178 |
| Credit loss provision to net charge-offs | 103.5135% | 2,232 |
| Earnings coverage of net charge-offs (x) | 0.3784% | 4,171 |
| Efficiency ratio | 81.0160% | 2,075 |
| Assets per employee ($millions) | 2.2771% | 7,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 2,584 |
| Loan loss allowance to noncurrent loans | 85.8720% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.6102% | 3,430 |
| Noncurrent loans to loans | 2.2494% | 2,862 |
| Net loans and leases to total assets | 57.8221% | 4,063 |
| Net loans and leases to deposits | 65.0409% | 4,482 |
| Net loans and leases to core deposits | 68.9018% | 4,575 |
| Total domestic deposits to total assets | 88.9011% | 1,763 |
| Equity capital to assets | 10.7125% | 3,251 |
| Core capital (leverage) ratio | 10.8368% | 2,403 |
| Tier 1 risk-based capital ratio | 14.7043% | 3,953 |
| Total risk-based capital ratio | 15.9576% | 3,910 |
| Memoranda: | ||
| Average total assets | $67,065,000 | 5,856 |
| Average earning assets | $60,040,500 | 5,872 |
| Average equity | $7,452,500 | 5,752 |
| Average total loans | $40,910,500 | 5,605 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3415% | 1,588 |
| Cost of funding earning assets | 0.8496% | 4,471 |
| Net interest margin | 4.4919% | 1,157 |
| Noninterest income to average assets | 1.5242% | 566 |
| Noninterest expense to average assets | 3.7805% | 1,382 |
| Loan and lease loss provision to assets | 0.5225% | 2,010 |
| Net operating income to assets | 0.7660% | 3,190 |
| Return on assets (ROA) | 0.7660% | 3,355 |
| Pretax return on assets | 1.1405% | 2,694 |
| Return on Equity (ROE) | 6.6842% | 3,547 |
| Retained earnings to average equity (ytd only) | 4.5324% | 2,945 |
| Net charge-offs to loans | 0.8858% | 1,965 |
| Credit loss provision to net charge-offs | 89.2105% | 4,044 |
| Earnings coverage of net charge-offs (x) | 2.8395% | 3,792 |
| Efficiency ratio | 69.1676% | 4,116 |
| Assets per employee ($millions) | 2.1231% | 7,109 |
| Cash dividends to net income (ytd only)* | 32.1932% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8415% | 2,741 |
| Loan loss allowance to noncurrent loans | 80.6112% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.6440% | 3,490 |
| Noncurrent loans to loans | 2.2844% | 2,868 |
| Net loans and leases to total assets | 61.9566% | 3,607 |
| Net loans and leases to deposits | 70.3591% | 4,038 |
| Net loans and leases to core deposits | 72.9586% | 4,383 |
| Total domestic deposits to total assets | 88.0578% | 2,113 |
| Equity capital to assets | 11.5274% | 2,480 |
| Core capital (leverage) ratio | 11.5339% | 1,865 |
| Tier 1 risk-based capital ratio | 15.0936% | 3,585 |
| Total risk-based capital ratio | 16.3466% | 3,546 |
| Memoranda: | ||
| Average total assets | $64,885,800 | 5,903 |
| Average earning assets | $56,613,600 | 5,956 |
| Average equity | $7,435,400 | 5,741 |
| Average total loans | $42,898,800 | 5,566 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4171% | 1,462 |
| Cost of funding earning assets | 0.9040% | 4,369 |
| Net interest margin | 4.5131% | 1,111 |
| Noninterest income to average assets | 1.7199% | 471 |
| Noninterest expense to average assets | 3.7492% | 1,402 |
| Loan and lease loss provision to assets | 0.5898% | 1,671 |
| Net operating income to assets | 0.8146% | 3,082 |
| Return on assets (ROA) | 0.8146% | 3,250 |
| Pretax return on assets | 1.3033% | 2,274 |
| Return on Equity (ROE) | 7.1193% | 3,470 |
| Retained earnings to average equity (ytd only) | 7.1193% | 1,907 |
| Net charge-offs to loans | 0.9528% | 1,691 |
| Credit loss provision to net charge-offs | 92.5566% | 3,684 |
| Earnings coverage of net charge-offs (x) | 2.9709% | 3,656 |
| Efficiency ratio | 66.4474% | 4,630 |
| Assets per employee ($millions) | 1.9567% | 7,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8186% | 2,871 |
| Loan loss allowance to noncurrent loans | 83.7433% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.6540% | 3,603 |
| Noncurrent loans to loans | 2.1716% | 3,154 |
| Net loans and leases to total assets | 65.4669% | 3,013 |
| Net loans and leases to deposits | 74.6459% | 3,566 |
| Net loans and leases to core deposits | 77.9351% | 3,918 |
| Total domestic deposits to total assets | 87.7033% | 2,234 |
| Equity capital to assets | 11.8383% | 2,386 |
| Core capital (leverage) ratio | 11.8773% | 1,776 |
| Tier 1 risk-based capital ratio | 14.8949% | 3,722 |
| Total risk-based capital ratio | 16.1479% | 3,696 |
| Memoranda: | ||
| Average total assets | $64,653,000 | 5,950 |
| Average earning assets | $56,190,750 | 6,021 |
| Average equity | $7,397,500 | 5,783 |
| Average total loans | $43,237,750 | 5,596 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4726% | 1,356 |
| Cost of funding earning assets | 0.9658% | 4,207 |
| Net interest margin | 4.5069% | 1,117 |
| Noninterest income to average assets | 1.0266% | 1,257 |
| Noninterest expense to average assets | 3.7167% | 1,499 |
| Loan and lease loss provision to assets | 0.4824% | 2,046 |
| Net operating income to assets | 0.4236% | 4,841 |
| Return on assets (ROA) | 0.4236% | 4,989 |
| Pretax return on assets | 0.7236% | 4,304 |
| Return on Equity (ROE) | 3.7456% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.7456% | 3,832 |
| Net charge-offs to loans | 1.0485% | 1,501 |
| Credit loss provision to net charge-offs | 68.7225% | 4,085 |
| Earnings coverage of net charge-offs (x) | 1.7181% | 4,013 |
| Efficiency ratio | 75.5025% | 3,103 |
| Assets per employee ($millions) | 1.9298% | 7,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 3,295 |
| Loan loss allowance to noncurrent loans | 73.1343% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.7870% | 3,526 |
| Noncurrent loans to loans | 2.3364% | 3,056 |
| Net loans and leases to total assets | 66.3898% | 2,947 |
| Net loans and leases to deposits | 75.5792% | 3,547 |
| Net loans and leases to core deposits | 78.9922% | 3,934 |
| Total domestic deposits to total assets | 87.8413% | 2,253 |
| Equity capital to assets | 11.5981% | 2,415 |
| Core capital (leverage) ratio | 11.3340% | 2,027 |
| Tier 1 risk-based capital ratio | 14.4917% | 3,789 |
| Total risk-based capital ratio | 15.7435% | 3,764 |
| Memoranda: | ||
| Average total assets | $64,680,670 | 5,994 |
| Average earning assets | $55,914,670 | 6,085 |
| Average equity | $7,315,330 | 5,831 |
| Average total loans | $43,298,670 | 5,644 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 1,896 |
| Cost of funding earning assets | 1.0436% | 3,899 |
| Net interest margin | 4.2459% | 1,762 |
| Noninterest income to average assets | 0.9758% | 1,401 |
| Noninterest expense to average assets | 3.7312% | 1,475 |
| Loan and lease loss provision to assets | 0.2516% | 3,139 |
| Net operating income to assets | 0.3744% | 5,050 |
| Return on assets (ROA) | 0.3744% | 5,132 |
| Pretax return on assets | 0.6382% | 4,541 |
| Return on Equity (ROE) | 3.3516% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.3516% | 4,172 |
| Net charge-offs to loans | 0.7643% | 1,687 |
| Credit loss provision to net charge-offs | 49.3976% | 3,766 |
| Earnings coverage of net charge-offs (x) | 1.7470% | 3,432 |
| Efficiency ratio | 80.4781% | 2,442 |
| Assets per employee ($millions) | 2.0901% | 7,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 3,057 |
| Loan loss allowance to noncurrent loans | 70.6100% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 2.8382% | 2,429 |
| Noncurrent loans to loans | 2.5256% | 2,955 |
| Net loans and leases to total assets | 64.9412% | 3,253 |
| Net loans and leases to deposits | 73.6221% | 3,816 |
| Net loans and leases to core deposits | 76.4401% | 4,244 |
| Total domestic deposits to total assets | 88.2088% | 2,259 |
| Equity capital to assets | 11.2835% | 2,431 |
| Core capital (leverage) ratio | 11.1764% | 2,044 |
| Tier 1 risk-based capital ratio | 14.2412% | 3,913 |
| Total risk-based capital ratio | 15.4949% | 3,877 |
| Memoranda: | ||
| Average total assets | $65,179,500 | 6,023 |
| Average earning assets | $55,960,500 | 6,130 |
| Average equity | $7,280,000 | 5,851 |
| Average total loans | $43,441,000 | 5,686 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1861% | 585 |
| Cost of funding earning assets | 1.2325% | 4,340 |
| Net interest margin | 4.9536% | 482 |
| Noninterest income to average assets | 1.0771% | 1,289 |
| Noninterest expense to average assets | 3.9584% | 1,222 |
| Loan and lease loss provision to assets | 0.9092% | 1,798 |
| Net operating income to assets | 0.3976% | 4,547 |
| Return on assets (ROA) | 0.3976% | 4,691 |
| Pretax return on assets | 0.5195% | 4,553 |
| Return on Equity (ROE) | 3.4914% | 4,761 |
| Retained earnings to average equity (ytd only) | 2.1004% | 4,412 |
| Net charge-offs to loans | 1.2274% | 1,828 |
| Credit loss provision to net charge-offs | 103.7975% | 4,333 |
| Earnings coverage of net charge-offs (x) | 1.6311% | 4,515 |
| Efficiency ratio | 73.1844% | 3,562 |
| Assets per employee ($millions) | 2.0489% | 7,397 |
| Cash dividends to net income (ytd only)* | 39.8406% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8302% | 2,758 |
| Loan loss allowance to noncurrent loans | 40.5025% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 3.2426% | 2,177 |
| Noncurrent loans to loans | 4.5186% | 1,564 |
| Net loans and leases to total assets | 65.9407% | 3,479 |
| Net loans and leases to deposits | 74.5350% | 4,109 |
| Net loans and leases to core deposits | 77.4303% | 4,530 |
| Total domestic deposits to total assets | 88.4695% | 1,963 |
| Equity capital to assets | 11.0562% | 2,636 |
| Core capital (leverage) ratio | 10.9259% | 2,214 |
| Tier 1 risk-based capital ratio | 13.9513% | 3,900 |
| Total risk-based capital ratio | 15.2060% | 3,864 |
| Memoranda: | ||
| Average total assets | $63,132,000 | 6,085 |
| Average earning assets | $54,930,000 | 6,176 |
| Average equity | $7,189,000 | 5,968 |
| Average total loans | $45,054,200 | 5,704 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0710% | 808 |
| Cost of funding earning assets | 1.2413% | 4,613 |
| Net interest margin | 4.8297% | 634 |
| Noninterest income to average assets | 1.0918% | 1,196 |
| Noninterest expense to average assets | 4.0410% | 999 |
| Loan and lease loss provision to assets | 0.7741% | 1,972 |
| Net operating income to assets | 0.2239% | 5,437 |
| Return on assets (ROA) | 0.2239% | 5,595 |
| Pretax return on assets | 0.5331% | 4,819 |
| Return on Equity (ROE) | 1.9515% | 5,625 |
| Retained earnings to average equity (ytd only) | 1.9515% | 4,980 |
| Net charge-offs to loans | 1.0064% | 1,997 |
| Credit loss provision to net charge-offs | 106.1404% | 4,023 |
| Earnings coverage of net charge-offs (x) | 1.7924% | 4,371 |
| Efficiency ratio | 75.2791% | 3,084 |
| Assets per employee ($millions) | 1.9188% | 7,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7628% | 2,926 |
| Loan loss allowance to noncurrent loans | 83.4369% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.7420% | 3,830 |
| Noncurrent loans to loans | 2.1128% | 3,555 |
| Net loans and leases to total assets | 70.9361% | 2,504 |
| Net loans and leases to deposits | 80.6001% | 3,338 |
| Net loans and leases to core deposits | 83.2071% | 4,067 |
| Total domestic deposits to total assets | 88.0099% | 1,952 |
| Equity capital to assets | 11.3773% | 2,623 |
| Core capital (leverage) ratio | 11.3319% | 2,043 |
| Tier 1 risk-based capital ratio | 13.5771% | 4,138 |
| Total risk-based capital ratio | 14.8309% | 4,080 |
| Memoranda: | ||
| Average total assets | $62,523,750 | 6,172 |
| Average earning assets | $55,101,750 | 6,234 |
| Average equity | $7,174,000 | 6,053 |
| Average total loans | $45,307,750 | 5,774 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0292% | 876 |
| Cost of funding earning assets | 1.2483% | 4,842 |
| Net interest margin | 4.7809% | 679 |
| Noninterest income to average assets | 1.0794% | 1,148 |
| Noninterest expense to average assets | 4.0316% | 1,006 |
| Loan and lease loss provision to assets | 0.4915% | 2,838 |
| Net operating income to assets | 0.4754% | 4,437 |
| Return on assets (ROA) | 0.4754% | 4,591 |
| Pretax return on assets | 0.7517% | 4,060 |
| Return on Equity (ROE) | 4.1318% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.1318% | 3,441 |
| Net charge-offs to loans | 0.6155% | 2,685 |
| Credit loss provision to net charge-offs | 110.0719% | 3,696 |
| Earnings coverage of net charge-offs (x) | 2.7842% | 3,594 |
| Efficiency ratio | 76.1267% | 3,055 |
| Assets per employee ($millions) | 1.9052% | 7,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7164% | 3,014 |
| Loan loss allowance to noncurrent loans | 160.1202% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 1.0211% | 5,098 |
| Noncurrent loans to loans | 1.0719% | 5,170 |
| Net loans and leases to total assets | 72.7705% | 2,218 |
| Net loans and leases to deposits | 82.8498% | 3,105 |
| Net loans and leases to core deposits | 86.1833% | 3,804 |
| Total domestic deposits to total assets | 87.8342% | 2,090 |
| Equity capital to assets | 11.5264% | 2,419 |
| Core capital (leverage) ratio | 11.4119% | 1,966 |
| Tier 1 risk-based capital ratio | 13.4641% | 4,089 |
| Total risk-based capital ratio | 14.7172% | 4,056 |
| Memoranda: | ||
| Average total assets | $62,258,670 | 6,224 |
| Average earning assets | $54,634,330 | 6,299 |
| Average equity | $7,164,000 | 6,085 |
| Average total loans | $45,169,670 | 5,812 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9253% | 1,143 |
| Cost of funding earning assets | 1.2497% | 5,115 |
| Net interest margin | 4.6755% | 826 |
| Noninterest income to average assets | 1.0008% | 1,305 |
| Noninterest expense to average assets | 4.0419% | 973 |
| Loan and lease loss provision to assets | 0.7748% | 1,630 |
| Net operating income to assets | 0.3099% | 5,253 |
| Return on assets (ROA) | 0.3099% | 5,385 |
| Pretax return on assets | 0.2905% | 5,633 |
| Return on Equity (ROE) | 2.6957% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.6957% | 4,522 |
| Net charge-offs to loans | 1.0792% | 1,546 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 1.3750% | 3,920 |
| Efficiency ratio | 78.8875% | 2,743 |
| Assets per employee ($millions) | 1.8345% | 7,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7547% | 2,878 |
| Loan loss allowance to noncurrent loans | 123.4277% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 1.1992% | 4,774 |
| Noncurrent loans to loans | 1.4216% | 4,602 |
| Net loans and leases to total assets | 70.4669% | 2,807 |
| Net loans and leases to deposits | 80.1594% | 3,631 |
| Net loans and leases to core deposits | 82.8989% | 4,358 |
| Total domestic deposits to total assets | 87.9084% | 2,113 |
| Equity capital to assets | 11.4583% | 2,393 |
| Core capital (leverage) ratio | 11.5225% | 1,895 |
| Tier 1 risk-based capital ratio | 13.6759% | 3,880 |
| Total risk-based capital ratio | 14.9286% | 3,829 |
| Memoranda: | ||
| Average total assets | $61,951,500 | 6,312 |
| Average earning assets | $54,411,000 | 6,382 |
| Average equity | $7,122,500 | 6,148 |
| Average total loans | $44,478,500 | 5,916 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5502% | 607 |
| Cost of funding earning assets | 1.6950% | 4,536 |
| Net interest margin | 4.8552% | 613 |
| Noninterest income to average assets | 1.1290% | 1,208 |
| Noninterest expense to average assets | 4.1433% | 1,169 |
| Loan and lease loss provision to assets | 0.2521% | 5,378 |
| Net operating income to assets | 0.6979% | 2,943 |
| Return on assets (ROA) | 0.6979% | 3,014 |
| Pretax return on assets | 1.0297% | 2,493 |
| Return on Equity (ROE) | 6.1521% | 3,152 |
| Retained earnings to average equity (ytd only) | 3.8576% | 2,507 |
| Net charge-offs to loans | 0.3467% | 4,497 |
| Credit loss provision to net charge-offs | 97.4843% | 5,707 |
| Earnings coverage of net charge-offs (x) | 4.9560% | 2,741 |
| Efficiency ratio | 76.0720% | 3,514 |
| Assets per employee ($millions) | 1.8097% | 7,818 |
| Cash dividends to net income (ytd only)* | 37.2960% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7753% | 2,624 |
| Loan loss allowance to noncurrent loans | 48.0122% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 2.8426% | 2,469 |
| Noncurrent loans to loans | 3.6975% | 2,036 |
| Net loans and leases to total assets | 70.5911% | 3,107 |
| Net loans and leases to deposits | 80.4438% | 3,901 |
| Net loans and leases to core deposits | 96.2932% | 4,431 |
| Total domestic deposits to total assets | 87.7521% | 2,095 |
| Equity capital to assets | 11.5360% | 2,296 |
| Core capital (leverage) ratio | 11.2839% | 2,059 |
| Tier 1 risk-based capital ratio | 13.8048% | 3,628 |
| Total risk-based capital ratio | 15.0589% | 3,565 |
| Memoranda: | ||
| Average total assets | $61,472,200 | 6,297 |
| Average earning assets | $54,395,000 | 6,358 |
| Average equity | $6,973,200 | 6,280 |
| Average total loans | $45,858,600 | 5,841 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6498% | 560 |
| Cost of funding earning assets | 1.7599% | 4,592 |
| Net interest margin | 4.8899% | 565 |
| Noninterest income to average assets | 1.1737% | 1,137 |
| Noninterest expense to average assets | 4.2673% | 952 |
| Loan and lease loss provision to assets | 0.2408% | 5,039 |
| Net operating income to assets | 0.3948% | 4,419 |
| Return on assets (ROA) | 0.3948% | 4,517 |
| Pretax return on assets | 0.9936% | 2,927 |
| Return on Equity (ROE) | 3.4955% | 4,576 |
| Retained earnings to average equity (ytd only) | 3.4955% | 3,334 |
| Net charge-offs to loans | 0.4294% | 3,535 |
| Credit loss provision to net charge-offs | 74.4966% | 5,896 |
| Earnings coverage of net charge-offs (x) | 3.8188% | 3,379 |
| Efficiency ratio | 77.2871% | 3,275 |
| Assets per employee ($millions) | 1.9130% | 7,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 2,717 |
| Loan loss allowance to noncurrent loans | 46.5881% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 2.8196% | 2,460 |
| Noncurrent loans to loans | 3.5964% | 2,072 |
| Net loans and leases to total assets | 71.9954% | 3,039 |
| Net loans and leases to deposits | 82.1580% | 3,991 |
| Net loans and leases to core deposits | 100.8697% | 4,277 |
| Total domestic deposits to total assets | 87.6305% | 1,833 |
| Equity capital to assets | 11.4531% | 2,631 |
| Core capital (leverage) ratio | 11.1469% | 2,305 |
| Tier 1 risk-based capital ratio | 13.5419% | 3,818 |
| Total risk-based capital ratio | 14.7939% | 3,751 |
| Memoranda: | ||
| Average total assets | $61,458,000 | 6,338 |
| Average earning assets | $54,396,500 | 6,406 |
| Average equity | $6,942,000 | 6,335 |
| Average total loans | $46,268,500 | 5,873 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6886% | 552 |
| Cost of funding earning assets | 1.7927% | 4,800 |
| Net interest margin | 4.8959% | 547 |
| Noninterest income to average assets | 1.1602% | 1,161 |
| Noninterest expense to average assets | 4.1600% | 1,114 |
| Loan and lease loss provision to assets | 0.1235% | 5,874 |
| Net operating income to assets | 0.6207% | 3,585 |
| Return on assets (ROA) | 0.6207% | 3,699 |
| Pretax return on assets | 1.1992% | 2,302 |
| Return on Equity (ROE) | 5.5210% | 3,853 |
| Retained earnings to average equity (ytd only) | 5.5210% | 2,238 |
| Net charge-offs to loans | 0.1754% | 4,483 |
| Credit loss provision to net charge-offs | 92.6829% | 4,845 |
| Earnings coverage of net charge-offs (x) | 9.9268% | 2,056 |
| Efficiency ratio | 75.5779% | 3,776 |
| Assets per employee ($millions) | 1.9442% | 7,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 2,427 |
| Loan loss allowance to noncurrent loans | 119.2716% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 1.3727% | 4,216 |
| Noncurrent loans to loans | 1.4041% | 4,408 |
| Net loans and leases to total assets | 74.1734% | 2,662 |
| Net loans and leases to deposits | 84.5292% | 3,789 |
| Net loans and leases to core deposits | 101.8046% | 4,294 |
| Total domestic deposits to total assets | 87.7489% | 1,906 |
| Equity capital to assets | 11.2835% | 2,692 |
| Core capital (leverage) ratio | 11.2345% | 2,241 |
| Tier 1 risk-based capital ratio | 13.1183% | 4,055 |
| Total risk-based capital ratio | 14.3703% | 3,978 |
| Memoranda: | ||
| Average total assets | $61,539,000 | 6,394 |
| Average earning assets | $54,331,000 | 6,454 |
| Average equity | $6,919,000 | 6,397 |
| Average total loans | $46,750,330 | 5,905 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6176% | 688 |
| Cost of funding earning assets | 1.8506% | 4,873 |
| Net interest margin | 4.7671% | 655 |
| Noninterest income to average assets | 1.1568% | 1,097 |
| Noninterest expense to average assets | 4.1110% | 1,049 |
| Loan and lease loss provision to assets | 0.1176% | 5,464 |
| Net operating income to assets | 0.5163% | 4,353 |
| Return on assets (ROA) | 0.5163% | 4,541 |
| Pretax return on assets | 1.1372% | 2,839 |
| Return on Equity (ROE) | 4.6007% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.6007% | 3,366 |
| Net charge-offs to loans | 0.1543% | 3,723 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 1,934 |
| Efficiency ratio | 76.3703% | 3,425 |
| Assets per employee ($millions) | 1.8933% | 7,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 2,177 |
| Loan loss allowance to noncurrent loans | 112.3932% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 1.4405% | 3,770 |
| Noncurrent loans to loans | 1.5035% | 4,036 |
| Net loans and leases to total assets | 73.4695% | 2,900 |
| Net loans and leases to deposits | 83.7570% | 4,020 |
| Net loans and leases to core deposits | 101.0745% | 4,431 |
| Total domestic deposits to total assets | 87.7175% | 1,877 |
| Equity capital to assets | 11.0565% | 2,915 |
| Core capital (leverage) ratio | 11.1439% | 2,379 |
| Tier 1 risk-based capital ratio | 12.9514% | 4,213 |
| Total risk-based capital ratio | 14.2038% | 4,134 |
| Memoranda: | ||
| Average total assets | $61,201,000 | 6,431 |
| Average earning assets | $54,037,500 | 6,499 |
| Average equity | $6,868,500 | 6,453 |
| Average total loans | $46,659,000 | 5,932 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9194% | 215 |
| Cost of funding earning assets | 2.1753% | 5,701 |
| Net interest margin | 5.7442% | 141 |
| Noninterest income to average assets | 1.2667% | 916 |
| Noninterest expense to average assets | 4.3378% | 1,003 |
| Loan and lease loss provision to assets | 0.1600% | 5,333 |
| Net operating income to assets | 1.1578% | 1,918 |
| Return on assets (ROA) | 1.1578% | 1,843 |
| Pretax return on assets | 1.7994% | 947 |
| Return on Equity (ROE) | 10.6999% | 2,013 |
| Retained earnings to average equity (ytd only) | 8.2459% | 766 |
| Net charge-offs to loans | 0.2088% | 4,117 |
| Credit loss provision to net charge-offs | 101.0417% | 5,256 |
| Earnings coverage of net charge-offs (x) | 12.3750% | 2,253 |
| Efficiency ratio | 68.6485% | 4,602 |
| Assets per employee ($millions) | 1.8158% | 8,035 |
| Cash dividends to net income (ytd only)* | 22.9345% | 4,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 1,936 |
| Loan loss allowance to noncurrent loans | 167.1610% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 1.1181% | 4,039 |
| Noncurrent loans to loans | 1.0123% | 4,559 |
| Net loans and leases to total assets | 76.4932% | 2,501 |
| Net loans and leases to deposits | 87.4518% | 3,872 |
| Net loans and leases to core deposits | 105.8885% | 4,207 |
| Total domestic deposits to total assets | 87.4689% | 1,722 |
| Equity capital to assets | 11.3963% | 2,704 |
| Core capital (leverage) ratio | 11.2988% | 2,370 |
| Tier 1 risk-based capital ratio | 12.9144% | 4,156 |
| Total risk-based capital ratio | 14.1682% | 4,074 |
| Memoranda: | ||
| Average total assets | $60,630,400 | 6,366 |
| Average earning assets | $53,097,200 | 6,462 |
| Average equity | $6,560,800 | 6,618 |
| Average total loans | $45,974,200 | 5,875 |