Home > Valley Exchange Bank > Performance and Condition Ratios
Valley Exchange Bank, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3740% | 987 |
| Cost of funding earning assets | 0.2275% | 4,398 |
| Net interest margin | 5.1465% | 258 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.6722% | 1,711 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5900% | 963 |
| Return on assets (ROA) | 1.6137% | 931 |
| Pretax return on assets | 2.2975% | 469 |
| Return on Equity (ROE) | 14.5600% | 1,561 |
| Retained earnings to average equity (ytd only) | 14.5565% | 614 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.0975% | 3,599 |
| Assets per employee ($millions) | 11.4410% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 3,476 |
| Loan loss allowance to noncurrent loans | 351.6129% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,028 |
| Noncurrent loans to loans | 0.2812% | 2,137 |
| Net loans and leases to total assets | 15.9000% | 4,483 |
| Net loans and leases to deposits | 18.1730% | 4,481 |
| Net loans and leases to core deposits | 18.4427% | 4,474 |
| Total domestic deposits to total assets | 87.4900% | 1,781 |
| Equity capital to assets | 12.1901% | 997 |
| Core capital (leverage) ratio | 12.0219% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.2914% | 118 |
| Memoranda: | ||
| Average total assets | $73,122,667 | 4,118 |
| Average earning assets | $67,696,667 | 4,100 |
| Average equity | $8,106,333 | 3,940 |
| Average total loans | $11,327,000 | 4,451 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0591% | 1,127 |
| Cost of funding earning assets | 0.1788% | 4,411 |
| Net interest margin | 4.8803% | 337 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.2648% | 2,912 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0633% | 449 |
| Return on assets (ROA) | 2.0633% | 444 |
| Pretax return on assets | 2.3868% | 419 |
| Return on Equity (ROE) | 19.3800% | 829 |
| Retained earnings to average equity (ytd only) | 19.3785% | 412 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.6887% | 4,048 |
| Assets per employee ($millions) | 12.2577% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 3,516 |
| Loan loss allowance to noncurrent loans | 263.4146% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 2,972 |
| Noncurrent loans to loans | 0.3799% | 1,795 |
| Net loans and leases to total assets | 14.5300% | 4,554 |
| Net loans and leases to deposits | 16.3782% | 4,558 |
| Net loans and leases to core deposits | 16.5702% | 4,548 |
| Total domestic deposits to total assets | 88.7000% | 1,658 |
| Equity capital to assets | 11.1740% | 1,278 |
| Core capital (leverage) ratio | 10.8426% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.2132% | 94 |
| Memoranda: | ||
| Average total assets | $75,415,000 | 4,155 |
| Average earning assets | $69,340,000 | 4,142 |
| Average equity | $8,029,500 | 3,997 |
| Average total loans | $11,479,000 | 4,510 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9158% | 4,619 |
| Cost of funding earning assets | 0.1707% | 3,995 |
| Net interest margin | 1.7451% | 4,606 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 1.8005% | 4,031 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.3357% | 4,333 |
| Return on assets (ROA) | 0.3357% | 4,299 |
| Pretax return on assets | 0.4100% | 4,267 |
| Return on Equity (ROE) | 3.3900% | 4,247 |
| Retained earnings to average equity (ytd only) | 3.3933% | 3,595 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.0633% | 648 |
| Assets per employee ($millions) | 7.0258% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 3,783 |
| Loan loss allowance to noncurrent loans | 119.7802% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 2,529 |
| Noncurrent loans to loans | 0.7480% | 1,007 |
| Net loans and leases to total assets | 15.6000% | 4,582 |
| Net loans and leases to deposits | 17.3827% | 4,582 |
| Net loans and leases to core deposits | 17.4648% | 4,575 |
| Total domestic deposits to total assets | 89.7500% | 1,467 |
| Equity capital to assets | 10.1457% | 1,636 |
| Core capital (leverage) ratio | 10.1929% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.6457% | 129 |
| Memoranda: | ||
| Average total assets | $75,367,000 | 4,177 |
| Average earning assets | $70,310,000 | 4,152 |
| Average equity | $7,455,800 | 4,154 |
| Average total loans | $12,317,000 | 4,525 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4992% | 4,665 |
| Cost of funding earning assets | 0.1739% | 3,578 |
| Net interest margin | 1.3253% | 4,656 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 1.7573% | 4,061 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.2172% | 4,459 |
| Return on assets (ROA) | 0.2172% | 4,426 |
| Pretax return on assets | 0.2065% | 4,456 |
| Return on Equity (ROE) | 2.2100% | 4,385 |
| Retained earnings to average equity (ytd only) | 2.2102% | 3,976 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.8389% | 358 |
| Assets per employee ($millions) | 6.2663% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 3,947 |
| Loan loss allowance to noncurrent loans | 168.7500% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 2,847 |
| Noncurrent loans to loans | 0.5145% | 1,510 |
| Net loans and leases to total assets | 16.4000% | 4,614 |
| Net loans and leases to deposits | 18.2492% | 4,620 |
| Net loans and leases to core deposits | 18.3377% | 4,611 |
| Total domestic deposits to total assets | 89.8600% | 1,722 |
| Equity capital to assets | 10.0112% | 1,618 |
| Core capital (leverage) ratio | 9.9793% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.9237% | 124 |
| Memoranda: | ||
| Average total assets | $74,887,750 | 4,219 |
| Average earning assets | $70,525,750 | 4,188 |
| Average equity | $7,359,500 | 4,211 |
| Average total loans | $12,354,750 | 4,555 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1569% | 4,728 |
| Cost of funding earning assets | 0.1786% | 3,201 |
| Net interest margin | 0.9782% | 4,732 |
| Noninterest income to average assets | 0.2006% | 3,994 |
| Noninterest expense to average assets | 1.7570% | 4,043 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.6178% | 4,691 |
| Return on assets (ROA) | -0.6178% | 4,679 |
| Pretax return on assets | -0.6338% | 4,670 |
| Return on Equity (ROE) | -6.3259% | 4,695 |
| Retained earnings to average equity (ytd only) | -6.3259% | 4,577 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.4286% | 37 |
| Assets per employee ($millions) | 6.3419% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 4,146 |
| Loan loss allowance to noncurrent loans | 144.9275% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 2,885 |
| Noncurrent loans to loans | 0.5634% | 1,493 |
| Net loans and leases to total assets | 15.9613% | 4,680 |
| Net loans and leases to deposits | 17.6250% | 4,686 |
| Net loans and leases to core deposits | 17.7085% | 4,683 |
| Total domestic deposits to total assets | 90.5602% | 1,436 |
| Equity capital to assets | 9.3124% | 2,152 |
| Core capital (leverage) ratio | 9.3407% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.0633% | 120 |
| Memoranda: | ||
| Average total assets | $74,785,000 | 4,264 |
| Average earning assets | $70,535,333 | 4,241 |
| Average equity | $7,303,333 | 4,280 |
| Average total loans | $12,326,667 | 4,620 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0429% | 4,759 |
| Cost of funding earning assets | 0.1844% | 3,024 |
| Net interest margin | 0.8585% | 4,761 |
| Noninterest income to average assets | 0.1457% | 4,285 |
| Noninterest expense to average assets | 1.5919% | 4,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.6799% | 4,724 |
| Return on assets (ROA) | -0.4533% | 4,687 |
| Pretax return on assets | -0.4155% | 4,669 |
| Return on Equity (ROE) | -4.5335% | 4,698 |
| Retained earnings to average equity (ytd only) | -4.5335% | 4,405 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.6136% | 31 |
| Assets per employee ($millions) | 6.3335% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 4,065 |
| Loan loss allowance to noncurrent loans | 126.5823% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 2,889 |
| Noncurrent loans to loans | 0.7038% | 1,348 |
| Net loans and leases to total assets | 14.6378% | 4,713 |
| Net loans and leases to deposits | 16.2054% | 4,718 |
| Net loans and leases to core deposits | 16.2825% | 4,715 |
| Total domestic deposits to total assets | 90.3266% | 1,369 |
| Equity capital to assets | 9.5813% | 2,223 |
| Core capital (leverage) ratio | 9.6845% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.0326% | 80 |
| Memoranda: | ||
| Average total assets | $74,126,000 | 4,296 |
| Average earning assets | $69,424,000 | 4,274 |
| Average equity | $7,411,500 | 4,324 |
| Average total loans | $12,366,500 | 4,644 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5906% | 4,741 |
| Cost of funding earning assets | 0.2778% | 2,622 |
| Net interest margin | 1.3128% | 4,745 |
| Noninterest income to average assets | 0.1479% | 4,410 |
| Noninterest expense to average assets | 1.8619% | 4,021 |
| Loan and lease loss provision to assets | 0.0433% | 2,190 |
| Net operating income to assets | -0.4034% | 4,752 |
| Return on assets (ROA) | -0.4034% | 4,757 |
| Pretax return on assets | -0.5304% | 4,767 |
| Return on Equity (ROE) | -3.7411% | 4,762 |
| Retained earnings to average equity (ytd only) | -4.2201% | 4,690 |
| Net charge-offs to loans | 1.1061% | 57 |
| Credit loss provision to net charge-offs | 18.0233% | 2,279 |
| Earnings coverage of net charge-offs (x) | -2.0291% | 2,665 |
| Efficiency ratio | 135.4315% | 51 |
| Assets per employee ($millions) | 6.0208% | 2,752 |
| Cash dividends to net income (ytd only)* | -12.8028% | 4,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7403% | 4,364 |
| Loan loss allowance to noncurrent loans | 133.3333% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 3,018 |
| Noncurrent loans to loans | 0.5552% | 1,737 |
| Net loans and leases to total assets | 18.5578% | 4,730 |
| Net loans and leases to deposits | 20.7487% | 4,739 |
| Net loans and leases to core deposits | 20.8536% | 4,736 |
| Total domestic deposits to total assets | 89.4408% | 1,272 |
| Equity capital to assets | 10.4374% | 2,231 |
| Core capital (leverage) ratio | 10.2068% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.5760% | 101 |
| Memoranda: | ||
| Average total assets | $71,648,000 | 4,322 |
| Average earning assets | $66,954,800 | 4,303 |
| Average equity | $7,725,000 | 4,356 |
| Average total loans | $15,549,800 | 4,641 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7368% | 4,810 |
| Cost of funding earning assets | 0.2808% | 2,786 |
| Net interest margin | 1.4560% | 4,814 |
| Noninterest income to average assets | 0.1492% | 4,448 |
| Noninterest expense to average assets | 1.9469% | 3,821 |
| Loan and lease loss provision to assets | 0.0490% | 2,017 |
| Net operating income to assets | -0.3189% | 4,807 |
| Return on assets (ROA) | -0.3189% | 4,817 |
| Pretax return on assets | -0.4830% | 4,832 |
| Return on Equity (ROE) | -2.9339% | 4,821 |
| Retained earnings to average equity (ytd only) | -3.5687% | 4,761 |
| Net charge-offs to loans | 1.4279% | 43 |
| Credit loss provision to net charge-offs | 15.1163% | 2,009 |
| Earnings coverage of net charge-offs (x) | -1.3547% | 2,420 |
| Efficiency ratio | 128.7300% | 61 |
| Assets per employee ($millions) | 6.0838% | 2,605 |
| Cash dividends to net income (ytd only)* | -21.6374% | 4,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6661% | 4,556 |
| Loan loss allowance to noncurrent loans | 123.3766% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 3,225 |
| Noncurrent loans to loans | 0.5399% | 1,967 |
| Net loans and leases to total assets | 19.4055% | 4,804 |
| Net loans and leases to deposits | 21.7395% | 4,810 |
| Net loans and leases to core deposits | 21.8485% | 4,811 |
| Total domestic deposits to total assets | 89.2637% | 1,139 |
| Equity capital to assets | 10.5089% | 2,455 |
| Core capital (leverage) ratio | 10.4984% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.9783% | 131 |
| Memoranda: | ||
| Average total assets | $71,497,500 | 4,376 |
| Average earning assets | $66,939,500 | 4,357 |
| Average equity | $7,771,000 | 4,416 |
| Average total loans | $16,060,250 | 4,702 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0436% | 4,796 |
| Cost of funding earning assets | 0.2842% | 2,931 |
| Net interest margin | 1.7594% | 4,797 |
| Noninterest income to average assets | 0.1547% | 4,423 |
| Noninterest expense to average assets | 2.0762% | 3,462 |
| Loan and lease loss provision to assets | -0.2110% | 4,771 |
| Net operating income to assets | -0.0731% | 4,794 |
| Return on assets (ROA) | -0.0731% | 4,803 |
| Pretax return on assets | -0.0731% | 4,799 |
| Return on Equity (ROE) | -0.6583% | 4,810 |
| Retained earnings to average equity (ytd only) | -1.6203% | 4,651 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8556% | 88 |
| Assets per employee ($millions) | 5.1786% | 3,482 |
| Cash dividends to net income (ytd only)* | -146.1538% | 4,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,488 |
| Loan loss allowance to noncurrent loans | 70.9402% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 2,191 |
| Noncurrent loans to loans | 1.5268% | 739 |
| Net loans and leases to total assets | 20.9101% | 4,825 |
| Net loans and leases to deposits | 23.5115% | 4,834 |
| Net loans and leases to core deposits | 23.6306% | 4,841 |
| Total domestic deposits to total assets | 88.9353% | 1,311 |
| Equity capital to assets | 10.8785% | 2,088 |
| Core capital (leverage) ratio | 10.7874% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9779% | 149 |
| Memoranda: | ||
| Average total assets | $71,090,667 | 4,408 |
| Average earning assets | $66,159,333 | 4,393 |
| Average equity | $7,899,667 | 4,423 |
| Average total loans | $16,712,333 | 4,726 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4003% | 4,714 |
| Cost of funding earning assets | 0.2969% | 3,028 |
| Net interest margin | 2.1034% | 4,676 |
| Noninterest income to average assets | 0.1591% | 4,404 |
| Noninterest expense to average assets | 2.3187% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.2273% | 4,847 |
| Return on assets (ROA) | -0.2273% | 4,852 |
| Pretax return on assets | -0.2273% | 4,843 |
| Return on Equity (ROE) | -2.0238% | 4,858 |
| Retained earnings to average equity (ytd only) | -3.9464% | 4,649 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8696% | 107 |
| Assets per employee ($millions) | 5.0655% | 3,575 |
| Cash dividends to net income (ytd only)* | -95.0000% | 4,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 1,853 |
| Loan loss allowance to noncurrent loans | 80.6020% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 2,041 |
| Noncurrent loans to loans | 1.7693% | 666 |
| Net loans and leases to total assets | 23.4894% | 4,814 |
| Net loans and leases to deposits | 26.4778% | 4,834 |
| Net loans and leases to core deposits | 26.6153% | 4,844 |
| Total domestic deposits to total assets | 88.7136% | 1,494 |
| Equity capital to assets | 11.1003% | 1,785 |
| Core capital (leverage) ratio | 11.4505% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4672% | 187 |
| Memoranda: | ||
| Average total assets | $70,385,500 | 4,428 |
| Average earning assets | $64,657,500 | 4,428 |
| Average equity | $7,906,000 | 4,440 |
| Average total loans | $17,405,500 | 4,738 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5769% | 4,830 |
| Cost of funding earning assets | 0.3775% | 3,725 |
| Net interest margin | 2.1994% | 4,759 |
| Noninterest income to average assets | 0.1796% | 4,389 |
| Noninterest expense to average assets | 2.2073% | 3,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0921% | 4,678 |
| Return on assets (ROA) | 0.0921% | 4,709 |
| Pretax return on assets | 0.0292% | 4,744 |
| Return on Equity (ROE) | 0.7582% | 4,703 |
| Retained earnings to average equity (ytd only) | -1.6176% | 4,678 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6960% | 193 |
| Assets per employee ($millions) | 4.9896% | 3,405 |
| Cash dividends to net income (ytd only)* | 313.3333% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 2,212 |
| Loan loss allowance to noncurrent loans | 71.5134% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 2,025 |
| Noncurrent loans to loans | 1.8814% | 640 |
| Net loans and leases to total assets | 25.2970% | 4,833 |
| Net loans and leases to deposits | 28.5888% | 4,851 |
| Net loans and leases to core deposits | 28.7399% | 4,866 |
| Total domestic deposits to total assets | 88.4860% | 1,238 |
| Equity capital to assets | 11.2420% | 2,062 |
| Core capital (leverage) ratio | 11.4667% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8534% | 205 |
| Memoranda: | ||
| Average total assets | $65,146,800 | 4,442 |
| Average earning assets | $60,925,000 | 4,430 |
| Average equity | $7,913,200 | 4,432 |
| Average total loans | $19,715,200 | 4,723 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8234% | 4,822 |
| Cost of funding earning assets | 0.3954% | 3,832 |
| Net interest margin | 2.4280% | 4,708 |
| Noninterest income to average assets | 0.1834% | 4,376 |
| Noninterest expense to average assets | 2.2739% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1213% | 4,681 |
| Return on assets (ROA) | 0.1230% | 4,708 |
| Pretax return on assets | 0.1897% | 4,665 |
| Return on Equity (ROE) | 0.9922% | 4,711 |
| Retained earnings to average equity (ytd only) | -1.5304% | 4,667 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3793% | 293 |
| Assets per employee ($millions) | 4.6163% | 3,706 |
| Cash dividends to net income (ytd only)* | 254.2373% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 2,751 |
| Loan loss allowance to noncurrent loans | 90.9434% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 2,421 |
| Noncurrent loans to loans | 1.3033% | 1,134 |
| Net loans and leases to total assets | 31.0887% | 4,798 |
| Net loans and leases to deposits | 35.4694% | 4,833 |
| Net loans and leases to core deposits | 35.6734% | 4,849 |
| Total domestic deposits to total assets | 87.6493% | 1,375 |
| Equity capital to assets | 12.2099% | 1,569 |
| Core capital (leverage) ratio | 12.3926% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1535% | 237 |
| Memoranda: | ||
| Average total assets | $63,970,000 | 4,474 |
| Average earning assets | $60,020,500 | 4,458 |
| Average equity | $7,928,250 | 4,454 |
| Average total loans | $20,166,000 | 4,745 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0773% | 4,797 |
| Cost of funding earning assets | 0.4152% | 3,970 |
| Net interest margin | 2.6621% | 4,597 |
| Noninterest income to average assets | 0.1851% | 4,354 |
| Noninterest expense to average assets | 2.3404% | 3,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2823% | 4,448 |
| Return on assets (ROA) | 0.2823% | 4,487 |
| Pretax return on assets | 0.3388% | 4,485 |
| Return on Equity (ROE) | 2.2668% | 4,479 |
| Retained earnings to average equity (ytd only) | -1.5112% | 4,539 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3536% | 485 |
| Assets per employee ($millions) | 4.4516% | 3,846 |
| Cash dividends to net income (ytd only)* | 166.6667% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 2,692 |
| Loan loss allowance to noncurrent loans | 1,047.8261% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 4,182 |
| Noncurrent loans to loans | 0.1113% | 4,009 |
| Net loans and leases to total assets | 32.7669% | 4,811 |
| Net loans and leases to deposits | 37.6278% | 4,839 |
| Net loans and leases to core deposits | 37.8538% | 4,856 |
| Total domestic deposits to total assets | 87.0816% | 1,583 |
| Equity capital to assets | 12.7194% | 1,271 |
| Core capital (leverage) ratio | 12.7515% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9354% | 215 |
| Memoranda: | ||
| Average total assets | $63,750,667 | 4,484 |
| Average earning assets | $59,727,667 | 4,471 |
| Average equity | $7,940,667 | 4,462 |
| Average total loans | $20,110,333 | 4,769 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 4,754 |
| Cost of funding earning assets | 0.4242% | 4,263 |
| Net interest margin | 2.9493% | 4,356 |
| Noninterest income to average assets | 0.1986% | 4,365 |
| Noninterest expense to average assets | 2.3827% | 3,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4033% | 4,127 |
| Return on assets (ROA) | 0.4033% | 4,163 |
| Pretax return on assets | 0.5771% | 3,962 |
| Return on Equity (ROE) | 3.2715% | 4,158 |
| Retained earnings to average equity (ytd only) | -4.2781% | 4,459 |
| Net charge-offs to loans | 0.0403% | 1,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 46.5000% | 952 |
| Efficiency ratio | 80.5031% | 1,091 |
| Assets per employee ($millions) | 4.4168% | 3,384 |
| Cash dividends to net income (ytd only)* | 230.7692% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 4,459 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 31.6617% | 4,874 |
| Net loans and leases to deposits | 36.4262% | 4,902 |
| Net loans and leases to core deposits | 36.6465% | 4,920 |
| Total domestic deposits to total assets | 86.9200% | 1,593 |
| Equity capital to assets | 12.7921% | 1,552 |
| Core capital (leverage) ratio | 12.0832% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7632% | 218 |
| Memoranda: | ||
| Average total assets | $64,465,000 | 4,491 |
| Average earning assets | $60,353,000 | 4,475 |
| Average equity | $7,947,500 | 4,487 |
| Average total loans | $19,834,500 | 4,808 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 4,601 |
| Cost of funding earning assets | 0.3765% | 4,520 |
| Net interest margin | 3.3963% | 3,755 |
| Noninterest income to average assets | 0.2046% | 4,437 |
| Noninterest expense to average assets | 2.1736% | 4,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8935% | 3,226 |
| Return on assets (ROA) | 0.8935% | 3,314 |
| Pretax return on assets | 1.2064% | 2,820 |
| Return on Equity (ROE) | 7.5490% | 3,343 |
| Retained earnings to average equity (ytd only) | 3.7364% | 3,113 |
| Net charge-offs to loans | -0.0724% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3080% | 3,035 |
| Assets per employee ($millions) | 4.4730% | 3,270 |
| Cash dividends to net income (ytd only)* | 50.5051% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,353 |
| Loan loss allowance to noncurrent loans | 8,033.3333% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 4,474 |
| Noncurrent loans to loans | 0.0151% | 4,518 |
| Net loans and leases to total assets | 29.2287% | 4,981 |
| Net loans and leases to deposits | 33.2429% | 5,005 |
| Net loans and leases to core deposits | 33.4248% | 5,020 |
| Total domestic deposits to total assets | 87.9246% | 1,161 |
| Equity capital to assets | 11.9010% | 2,200 |
| Core capital (leverage) ratio | 11.8073% | 1,891 |
| Tier 1 risk-based capital ratio | 33.2498% | 379 |
| Total risk-based capital ratio | 34.2560% | 378 |
| Memoranda: | ||
| Average total assets | $66,480,400 | 4,491 |
| Average earning assets | $62,155,200 | 4,476 |
| Average equity | $7,868,600 | 4,522 |
| Average total loans | $20,716,400 | 4,850 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 4,499 |
| Cost of funding earning assets | 0.3650% | 4,615 |
| Net interest margin | 3.5597% | 3,374 |
| Noninterest income to average assets | 0.2111% | 4,458 |
| Noninterest expense to average assets | 2.2052% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0071% | 2,958 |
| Return on assets (ROA) | 1.0071% | 3,039 |
| Pretax return on assets | 1.3388% | 2,529 |
| Return on Equity (ROE) | 8.5207% | 3,103 |
| Retained earnings to average equity (ytd only) | 5.9696% | 2,384 |
| Net charge-offs to loans | -0.0955% | 4,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2235% | 3,295 |
| Assets per employee ($millions) | 4.4521% | 3,286 |
| Cash dividends to net income (ytd only)* | 29.9410% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 2,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,585 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 28.5975% | 5,075 |
| Net loans and leases to deposits | 32.6116% | 5,101 |
| Net loans and leases to core deposits | 32.7913% | 5,115 |
| Total domestic deposits to total assets | 87.6913% | 1,167 |
| Equity capital to assets | 12.0392% | 2,229 |
| Core capital (leverage) ratio | 12.2681% | 1,698 |
| Tier 1 risk-based capital ratio | 33.4417% | 386 |
| Total risk-based capital ratio | 34.4424% | 386 |
| Memoranda: | ||
| Average total assets | $66,326,750 | 4,548 |
| Average earning assets | $62,100,250 | 4,530 |
| Average equity | $7,839,500 | 4,581 |
| Average total loans | $20,932,500 | 4,912 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 4,497 |
| Cost of funding earning assets | 0.3465% | 4,692 |
| Net interest margin | 3.5931% | 3,277 |
| Noninterest income to average assets | 0.2055% | 4,520 |
| Noninterest expense to average assets | 2.1821% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1998% | 2,151 |
| Return on assets (ROA) | 1.1998% | 2,214 |
| Pretax return on assets | 1.4084% | 2,179 |
| Return on Equity (ROE) | 10.2153% | 2,285 |
| Retained earnings to average equity (ytd only) | 6.3556% | 2,117 |
| Net charge-offs to loans | -0.0839% | 4,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7744% | 3,616 |
| Assets per employee ($millions) | 4.2967% | 3,435 |
| Cash dividends to net income (ytd only)* | 37.7834% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 2,707 |
| Loan loss allowance to noncurrent loans | 225.9615% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 3,811 |
| Noncurrent loans to loans | 0.5153% | 2,738 |
| Net loans and leases to total assets | 30.9506% | 5,085 |
| Net loans and leases to deposits | 35.3494% | 5,119 |
| Net loans and leases to core deposits | 35.5510% | 5,130 |
| Total domestic deposits to total assets | 87.5564% | 1,309 |
| Equity capital to assets | 12.3039% | 1,983 |
| Core capital (leverage) ratio | 12.2701% | 1,664 |
| Tier 1 risk-based capital ratio | 33.6822% | 373 |
| Total risk-based capital ratio | 34.6818% | 371 |
| Memoranda: | ||
| Average total assets | $66,175,000 | 4,585 |
| Average earning assets | $62,341,670 | 4,553 |
| Average equity | $7,772,670 | 4,613 |
| Average total loans | $21,463,670 | 4,945 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7145% | 4,825 |
| Cost of funding earning assets | 0.3371% | 4,715 |
| Net interest margin | 3.3774% | 3,952 |
| Noninterest income to average assets | 0.2029% | 4,539 |
| Noninterest expense to average assets | 2.0765% | 4,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9905% | 2,883 |
| Return on assets (ROA) | 0.9905% | 2,916 |
| Pretax return on assets | 1.2948% | 2,474 |
| Return on Equity (ROE) | 8.6301% | 2,975 |
| Retained earnings to average equity (ytd only) | 0.8318% | 4,358 |
| Net charge-offs to loans | -0.1629% | 5,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5929% | 3,595 |
| Assets per employee ($millions) | 4.1499% | 3,700 |
| Cash dividends to net income (ytd only)* | 90.3614% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 3,100 |
| Loan loss allowance to noncurrent loans | 842.8571% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 4,453 |
| Noncurrent loans to loans | 0.1312% | 4,148 |
| Net loans and leases to total assets | 31.7946% | 5,119 |
| Net loans and leases to deposits | 36.0477% | 5,149 |
| Net loans and leases to core deposits | 36.2445% | 5,169 |
| Total domestic deposits to total assets | 88.2015% | 1,236 |
| Equity capital to assets | 11.6028% | 2,311 |
| Core capital (leverage) ratio | 11.5638% | 2,093 |
| Tier 1 risk-based capital ratio | 30.8576% | 448 |
| Total risk-based capital ratio | 31.8532% | 445 |
| Memoranda: | ||
| Average total assets | $67,037,000 | 4,619 |
| Average earning assets | $62,889,000 | 4,594 |
| Average equity | $7,694,000 | 4,658 |
| Average total loans | $22,104,000 | 4,992 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4799% | 4,940 |
| Cost of funding earning assets | 0.2901% | 4,615 |
| Net interest margin | 3.1898% | 4,504 |
| Noninterest income to average assets | 0.2060% | 4,687 |
| Noninterest expense to average assets | 2.0249% | 4,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8824% | 3,484 |
| Return on assets (ROA) | 0.8824% | 3,476 |
| Pretax return on assets | 1.2056% | 2,858 |
| Return on Equity (ROE) | 7.8202% | 3,514 |
| Retained earnings to average equity (ytd only) | 4.4896% | 3,057 |
| Net charge-offs to loans | 0.0043% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 802.0000% | 136 |
| Efficiency ratio | 62.6803% | 3,407 |
| Assets per employee ($millions) | 3.9809% | 3,911 |
| Cash dividends to net income (ytd only)* | 42.5894% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 3,771 |
| Loan loss allowance to noncurrent loans | 837.0370% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 4,483 |
| Noncurrent loans to loans | 0.1181% | 4,197 |
| Net loans and leases to total assets | 33.4461% | 5,133 |
| Net loans and leases to deposits | 37.7974% | 5,159 |
| Net loans and leases to core deposits | 37.9986% | 5,189 |
| Total domestic deposits to total assets | 88.4878% | 1,075 |
| Equity capital to assets | 11.3541% | 2,368 |
| Core capital (leverage) ratio | 12.0624% | 1,690 |
| Tier 1 risk-based capital ratio | 29.4479% | 492 |
| Total risk-based capital ratio | 30.3540% | 496 |
| Memoranda: | ||
| Average total assets | $66,521,000 | 4,643 |
| Average earning assets | $63,076,600 | 4,608 |
| Average equity | $7,506,200 | 4,678 |
| Average total loans | $23,079,200 | 4,997 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3801% | 5,056 |
| Cost of funding earning assets | 0.2827% | 4,616 |
| Net interest margin | 3.0973% | 4,709 |
| Noninterest income to average assets | 0.2053% | 4,739 |
| Noninterest expense to average assets | 2.0272% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7911% | 3,937 |
| Return on assets (ROA) | 0.7911% | 3,949 |
| Pretax return on assets | 1.1334% | 3,269 |
| Return on Equity (ROE) | 7.0223% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.2355% | 3,095 |
| Net charge-offs to loans | 0.0057% | 3,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 564.3985% | 160 |
| Efficiency ratio | 64.1401% | 3,158 |
| Assets per employee ($millions) | 4.2124% | 3,559 |
| Cash dividends to net income (ytd only)* | 25.4451% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 3,925 |
| Loan loss allowance to noncurrent loans | 1,076.1905% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 4,658 |
| Noncurrent loans to loans | 0.0905% | 4,481 |
| Net loans and leases to total assets | 36.3688% | 5,130 |
| Net loans and leases to deposits | 41.4757% | 5,168 |
| Net loans and leases to core deposits | 41.7143% | 5,207 |
| Total domestic deposits to total assets | 87.6871% | 1,401 |
| Equity capital to assets | 12.0929% | 1,839 |
| Core capital (leverage) ratio | 11.9086% | 1,837 |
| Tier 1 risk-based capital ratio | 30.8134% | 441 |
| Total risk-based capital ratio | 31.7750% | 448 |
| Memoranda: | ||
| Average total assets | $66,232,250 | 4,697 |
| Average earning assets | $63,192,250 | 4,652 |
| Average equity | $7,461,750 | 4,732 |
| Average total loans | $23,133,750 | 5,058 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2568% | 5,180 |
| Cost of funding earning assets | 0.2737% | 4,609 |
| Net interest margin | 2.9831% | 4,901 |
| Noninterest income to average assets | 0.1993% | 4,824 |
| Noninterest expense to average assets | 2.0372% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7168% | 4,150 |
| Return on assets (ROA) | 0.7168% | 4,156 |
| Pretax return on assets | 1.0142% | 3,622 |
| Return on Equity (ROE) | 6.5118% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.8098% | 3,695 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7641% | 2,854 |
| Assets per employee ($millions) | 4.0204% | 3,860 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,661 |
| Loan loss allowance to noncurrent loans | 315.2778% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 4,274 |
| Noncurrent loans to loans | 0.3260% | 3,535 |
| Net loans and leases to total assets | 33.9785% | 5,240 |
| Net loans and leases to deposits | 38.5193% | 5,278 |
| Net loans and leases to core deposits | 38.7350% | 5,308 |
| Total domestic deposits to total assets | 88.2116% | 1,268 |
| Equity capital to assets | 11.6500% | 2,089 |
| Core capital (leverage) ratio | 11.0446% | 2,484 |
| Tier 1 risk-based capital ratio | 32.0743% | 406 |
| Total risk-based capital ratio | 33.1130% | 410 |
| Memoranda: | ||
| Average total assets | $67,247,670 | 4,733 |
| Average earning assets | $64,296,000 | 4,688 |
| Average equity | $7,402,000 | 4,787 |
| Average total loans | $23,109,670 | 5,117 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0346% | 5,353 |
| Cost of funding earning assets | 0.2676% | 4,598 |
| Net interest margin | 2.7670% | 5,191 |
| Noninterest income to average assets | 0.2038% | 4,807 |
| Noninterest expense to average assets | 1.9444% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6287% | 4,342 |
| Return on assets (ROA) | 0.6287% | 4,351 |
| Pretax return on assets | 0.9082% | 3,822 |
| Return on Equity (ROE) | 5.8728% | 4,202 |
| Retained earnings to average equity (ytd only) | 0.4350% | 4,734 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1633% | 2,802 |
| Assets per employee ($millions) | 4.3013% | 3,486 |
| Cash dividends to net income (ytd only)* | 92.5926% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 4,015 |
| Loan loss allowance to noncurrent loans | 912.0000% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 4,762 |
| Noncurrent loans to loans | 0.1087% | 4,487 |
| Net loans and leases to total assets | 33.0975% | 5,291 |
| Net loans and leases to deposits | 37.0977% | 5,335 |
| Net loans and leases to core deposits | 37.2896% | 5,366 |
| Total domestic deposits to total assets | 89.2170% | 1,003 |
| Equity capital to assets | 10.6959% | 2,876 |
| Core capital (leverage) ratio | 10.6964% | 2,742 |
| Tier 1 risk-based capital ratio | 29.5813% | 488 |
| Total risk-based capital ratio | 30.5001% | 499 |
| Memoranda: | ||
| Average total assets | $68,708,500 | 4,760 |
| Average earning assets | $65,775,500 | 4,720 |
| Average equity | $7,356,000 | 4,841 |
| Average total loans | $23,622,500 | 5,155 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8334% | 5,446 |
| Cost of funding earning assets | 0.2833% | 4,289 |
| Net interest margin | 2.5501% | 5,381 |
| Noninterest income to average assets | 0.2250% | 4,797 |
| Noninterest expense to average assets | 1.9797% | 4,994 |
| Loan and lease loss provision to assets | 0.0853% | 2,494 |
| Net operating income to assets | 0.3383% | 4,854 |
| Return on assets (ROA) | 0.3383% | 4,878 |
| Pretax return on assets | 0.5957% | 4,749 |
| Return on Equity (ROE) | 3.1357% | 4,791 |
| Retained earnings to average equity (ytd only) | 0.4090% | 4,869 |
| Net charge-offs to loans | 0.1158% | 1,887 |
| Credit loss provision to net charge-offs | 207.1429% | 1,320 |
| Earnings coverage of net charge-offs (x) | 16.5357% | 2,171 |
| Efficiency ratio | 74.4057% | 1,843 |
| Assets per employee ($millions) | 4.0351% | 3,908 |
| Cash dividends to net income (ytd only)* | 86.9565% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 4,286 |
| Loan loss allowance to noncurrent loans | 810.7143% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 4,772 |
| Noncurrent loans to loans | 0.1155% | 4,469 |
| Net loans and leases to total assets | 35.0050% | 5,312 |
| Net loans and leases to deposits | 39.2500% | 5,359 |
| Net loans and leases to core deposits | 39.6519% | 5,395 |
| Total domestic deposits to total assets | 89.1845% | 912 |
| Equity capital to assets | 10.7164% | 2,924 |
| Core capital (leverage) ratio | 10.6584% | 2,689 |
| Tier 1 risk-based capital ratio | 28.2288% | 528 |
| Total risk-based capital ratio | 29.1527% | 538 |
| Memoranda: | ||
| Average total assets | $67,989,400 | 4,813 |
| Average earning assets | $64,939,000 | 4,766 |
| Average equity | $7,335,000 | 4,890 |
| Average total loans | $24,177,000 | 5,185 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7683% | 5,531 |
| Cost of funding earning assets | 0.2865% | 4,256 |
| Net interest margin | 2.4818% | 5,483 |
| Noninterest income to average assets | 0.2339% | 4,813 |
| Noninterest expense to average assets | 1.8868% | 5,155 |
| Loan and lease loss provision to assets | 0.1140% | 1,891 |
| Net operating income to assets | 0.3518% | 5,104 |
| Return on assets (ROA) | 0.3518% | 5,127 |
| Pretax return on assets | 0.5995% | 4,846 |
| Return on Equity (ROE) | 3.2555% | 5,048 |
| Retained earnings to average equity (ytd only) | 1.4368% | 4,837 |
| Net charge-offs to loans | 0.1545% | 1,314 |
| Credit loss provision to net charge-offs | 207.1429% | 1,313 |
| Earnings coverage of net charge-offs (x) | 12.9652% | 2,385 |
| Efficiency ratio | 72.5624% | 2,124 |
| Assets per employee ($millions) | 4.1388% | 3,759 |
| Cash dividends to net income (ytd only)* | 55.8661% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 4,480 |
| Loan loss allowance to noncurrent loans | 391.3793% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 4,801 |
| Noncurrent loans to loans | 0.2343% | 4,124 |
| Net loans and leases to total assets | 37.0402% | 5,304 |
| Net loans and leases to deposits | 41.7768% | 5,369 |
| Net loans and leases to core deposits | 42.2220% | 5,412 |
| Total domestic deposits to total assets | 88.6620% | 1,033 |
| Equity capital to assets | 11.1779% | 2,695 |
| Core capital (leverage) ratio | 11.1008% | 2,370 |
| Tier 1 risk-based capital ratio | 27.8316% | 578 |
| Total risk-based capital ratio | 28.7362% | 585 |
| Memoranda: | ||
| Average total assets | $67,837,750 | 4,864 |
| Average earning assets | $64,683,500 | 4,821 |
| Average equity | $7,331,000 | 4,940 |
| Average total loans | $24,161,500 | 5,240 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6815% | 5,599 |
| Cost of funding earning assets | 0.2887% | 4,198 |
| Net interest margin | 2.3928% | 5,573 |
| Noninterest income to average assets | 0.2281% | 4,877 |
| Noninterest expense to average assets | 1.9100% | 5,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3715% | 5,042 |
| Return on assets (ROA) | 0.3715% | 5,067 |
| Pretax return on assets | 0.5967% | 4,815 |
| Return on Equity (ROE) | 3.4760% | 4,981 |
| Retained earnings to average equity (ytd only) | 0.7390% | 4,910 |
| Net charge-offs to loans | 0.2253% | 906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 7.5556% | 2,591 |
| Efficiency ratio | 76.1960% | 1,693 |
| Assets per employee ($millions) | 4.2338% | 3,552 |
| Cash dividends to net income (ytd only)* | 78.7402% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7028% | 5,202 |
| Loan loss allowance to noncurrent loans | 354.1667% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 4,912 |
| Noncurrent loans to loans | 0.1984% | 4,325 |
| Net loans and leases to total assets | 35.4562% | 5,400 |
| Net loans and leases to deposits | 39.7965% | 5,462 |
| Net loans and leases to core deposits | 40.2083% | 5,493 |
| Total domestic deposits to total assets | 89.0936% | 911 |
| Equity capital to assets | 10.8415% | 2,978 |
| Core capital (leverage) ratio | 10.9432% | 2,465 |
| Tier 1 risk-based capital ratio | 27.8860% | 556 |
| Total risk-based capital ratio | 28.5747% | 578 |
| Memoranda: | ||
| Average total assets | $68,377,000 | 4,890 |
| Average earning assets | $65,113,000 | 4,848 |
| Average equity | $7,307,330 | 4,966 |
| Average total loans | $23,963,670 | 5,284 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6210% | 5,677 |
| Cost of funding earning assets | 0.3001% | 4,047 |
| Net interest margin | 2.3210% | 5,651 |
| Noninterest income to average assets | 0.2387% | 4,831 |
| Noninterest expense to average assets | 1.8691% | 5,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3552% | 5,062 |
| Return on assets (ROA) | 0.3552% | 5,082 |
| Pretax return on assets | 0.5765% | 4,784 |
| Return on Equity (ROE) | 3.3475% | 5,004 |
| Retained earnings to average equity (ytd only) | -2.1402% | 5,180 |
| Net charge-offs to loans | 0.1677% | 972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.9000% | 1,966 |
| Efficiency ratio | 76.4286% | 1,848 |
| Assets per employee ($millions) | 4.2986% | 3,509 |
| Cash dividends to net income (ytd only)* | 163.9344% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 4,997 |
| Loan loss allowance to noncurrent loans | 280.5970% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,880 |
| Noncurrent loans to loans | 0.2938% | 4,061 |
| Net loans and leases to total assets | 32.8812% | 5,507 |
| Net loans and leases to deposits | 36.7975% | 5,558 |
| Net loans and leases to core deposits | 37.1707% | 5,595 |
| Total domestic deposits to total assets | 89.3571% | 971 |
| Equity capital to assets | 10.5615% | 3,119 |
| Core capital (leverage) ratio | 10.5472% | 2,845 |
| Tier 1 risk-based capital ratio | 29.2804% | 506 |
| Total risk-based capital ratio | 30.0746% | 509 |
| Memoranda: | ||
| Average total assets | $68,695,500 | 4,937 |
| Average earning assets | $65,318,000 | 4,893 |
| Average equity | $7,289,000 | 5,006 |
| Average total loans | $23,851,500 | 5,338 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7057% | 5,689 |
| Cost of funding earning assets | 0.3033% | 4,033 |
| Net interest margin | 2.4024% | 5,644 |
| Noninterest income to average assets | 0.2571% | 4,881 |
| Noninterest expense to average assets | 2.0688% | 5,057 |
| Loan and lease loss provision to assets | 0.0726% | 2,901 |
| Net operating income to assets | 0.2252% | 5,369 |
| Return on assets (ROA) | 0.2252% | 5,434 |
| Pretax return on assets | 0.3254% | 5,335 |
| Return on Equity (ROE) | 2.1177% | 5,378 |
| Retained earnings to average equity (ytd only) | -1.2979% | 5,478 |
| Net charge-offs to loans | 0.4132% | 638 |
| Credit loss provision to net charge-offs | 47.1698% | 3,410 |
| Earnings coverage of net charge-offs (x) | 2.5849% | 3,806 |
| Efficiency ratio | 83.8634% | 1,020 |
| Assets per employee ($millions) | 3.8118% | 4,285 |
| Cash dividends to net income (ytd only)* | 161.2903% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7952% | 5,120 |
| Loan loss allowance to noncurrent loans | 188.5714% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 4,710 |
| Noncurrent loans to loans | 0.4217% | 3,630 |
| Net loans and leases to total assets | 36.0019% | 5,485 |
| Net loans and leases to deposits | 40.3344% | 5,539 |
| Net loans and leases to core deposits | 40.9116% | 5,575 |
| Total domestic deposits to total assets | 89.2586% | 974 |
| Equity capital to assets | 10.6598% | 2,966 |
| Core capital (leverage) ratio | 10.6053% | 2,767 |
| Tier 1 risk-based capital ratio | 26.2773% | 673 |
| Total risk-based capital ratio | 27.0222% | 695 |
| Memoranda: | ||
| Average total assets | $68,832,200 | 4,960 |
| Average earning assets | $63,310,800 | 4,956 |
| Average equity | $7,319,400 | 5,036 |
| Average total loans | $25,654,000 | 5,325 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7750% | 5,728 |
| Cost of funding earning assets | 0.3031% | 4,062 |
| Net interest margin | 2.4718% | 5,671 |
| Noninterest income to average assets | 0.2632% | 4,888 |
| Noninterest expense to average assets | 2.1716% | 4,841 |
| Loan and lease loss provision to assets | 0.0968% | 2,291 |
| Net operating income to assets | 0.1684% | 5,520 |
| Return on assets (ROA) | 0.1684% | 5,577 |
| Pretax return on assets | 0.2516% | 5,512 |
| Return on Equity (ROE) | 1.5845% | 5,544 |
| Retained earnings to average equity (ytd only) | -1.1474% | 5,511 |
| Net charge-offs to loans | 0.5469% | 383 |
| Credit loss provision to net charge-offs | 47.1698% | 3,071 |
| Earnings coverage of net charge-offs (x) | 1.6981% | 3,664 |
| Efficiency ratio | 86.1751% | 806 |
| Assets per employee ($millions) | 4.0260% | 3,923 |
| Cash dividends to net income (ytd only)* | 172.4138% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 5,216 |
| Loan loss allowance to noncurrent loans | 147.7612% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 4,649 |
| Noncurrent loans to loans | 0.5344% | 3,390 |
| Net loans and leases to total assets | 36.3476% | 5,536 |
| Net loans and leases to deposits | 40.7579% | 5,614 |
| Net loans and leases to core deposits | 41.1728% | 5,655 |
| Total domestic deposits to total assets | 89.1792% | 811 |
| Equity capital to assets | 10.7113% | 3,344 |
| Core capital (leverage) ratio | 10.5566% | 2,928 |
| Tier 1 risk-based capital ratio | 26.0522% | 712 |
| Total risk-based capital ratio | 26.7799% | 741 |
| Memoranda: | ||
| Average total assets | $68,887,000 | 4,999 |
| Average earning assets | $62,893,750 | 5,005 |
| Average equity | $7,320,750 | 5,089 |
| Average total loans | $25,842,500 | 5,374 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8237% | 5,791 |
| Cost of funding earning assets | 0.2990% | 4,143 |
| Net interest margin | 2.5246% | 5,729 |
| Noninterest income to average assets | 0.2752% | 4,816 |
| Noninterest expense to average assets | 2.1120% | 5,029 |
| Loan and lease loss provision to assets | 0.1449% | 1,581 |
| Net operating income to assets | 0.2231% | 5,486 |
| Return on assets (ROA) | 0.2231% | 5,545 |
| Pretax return on assets | 0.3419% | 5,432 |
| Return on Equity (ROE) | 2.1046% | 5,483 |
| Retained earnings to average equity (ytd only) | -1.9953% | 5,540 |
| Net charge-offs to loans | 0.7970% | 254 |
| Credit loss provision to net charge-offs | 48.0769% | 2,691 |
| Earnings coverage of net charge-offs (x) | 1.6154% | 3,381 |
| Efficiency ratio | 81.2709% | 1,354 |
| Assets per employee ($millions) | 3.8989% | 4,096 |
| Cash dividends to net income (ytd only)* | 194.8052% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 5,318 |
| Loan loss allowance to noncurrent loans | 127.5641% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 4,333 |
| Noncurrent loans to loans | 0.6142% | 3,222 |
| Net loans and leases to total assets | 35.9091% | 5,613 |
| Net loans and leases to deposits | 40.0945% | 5,688 |
| Net loans and leases to core deposits | 40.4900% | 5,728 |
| Total domestic deposits to total assets | 89.5611% | 652 |
| Equity capital to assets | 10.4075% | 3,738 |
| Core capital (leverage) ratio | 10.5622% | 2,892 |
| Tier 1 risk-based capital ratio | 24.8266% | 825 |
| Total risk-based capital ratio | 25.5201% | 862 |
| Memoranda: | ||
| Average total assets | $69,035,330 | 5,045 |
| Average earning assets | $63,534,670 | 5,039 |
| Average equity | $7,317,330 | 5,136 |
| Average total loans | $26,098,330 | 5,430 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9323% | 5,746 |
| Cost of funding earning assets | 0.2901% | 4,277 |
| Net interest margin | 2.6423% | 5,677 |
| Noninterest income to average assets | 0.2921% | 4,631 |
| Noninterest expense to average assets | 2.1384% | 5,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4031% | 4,989 |
| Return on assets (ROA) | 0.4031% | 5,064 |
| Pretax return on assets | 0.6018% | 4,816 |
| Return on Equity (ROE) | 3.7684% | 4,972 |
| Retained earnings to average equity (ytd only) | -4.4238% | 5,576 |
| Net charge-offs to loans | -0.0151% | 4,718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0384% | 1,892 |
| Assets per employee ($millions) | 3.8597% | 4,196 |
| Cash dividends to net income (ytd only)* | 217.3913% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 4,669 |
| Loan loss allowance to noncurrent loans | 206.5041% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 4,550 |
| Noncurrent loans to loans | 0.4791% | 3,744 |
| Net loans and leases to total assets | 36.5887% | 5,610 |
| Net loans and leases to deposits | 40.9274% | 5,683 |
| Net loans and leases to core deposits | 41.1353% | 5,744 |
| Total domestic deposits to total assets | 89.3991% | 887 |
| Equity capital to assets | 10.4973% | 3,502 |
| Core capital (leverage) ratio | 10.6449% | 2,801 |
| Tier 1 risk-based capital ratio | 24.0768% | 910 |
| Total risk-based capital ratio | 24.9348% | 941 |
| Memoranda: | ||
| Average total assets | $68,463,000 | 5,107 |
| Average earning assets | $63,430,500 | 5,089 |
| Average equity | $7,324,000 | 5,170 |
| Average total loans | $26,447,500 | 5,467 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8783% | 5,831 |
| Cost of funding earning assets | 0.2892% | 4,377 |
| Net interest margin | 2.5891% | 5,764 |
| Noninterest income to average assets | 0.2813% | 4,873 |
| Noninterest expense to average assets | 2.1271% | 5,198 |
| Loan and lease loss provision to assets | -0.0718% | 5,790 |
| Net operating income to assets | 0.4349% | 4,937 |
| Return on assets (ROA) | 0.4349% | 5,014 |
| Pretax return on assets | 0.6803% | 4,584 |
| Return on Equity (ROE) | 4.1769% | 4,862 |
| Retained earnings to average equity (ytd only) | 0.0414% | 5,488 |
| Net charge-offs to loans | 0.0224% | 3,816 |
| Credit loss provision to net charge-offs | -833.3333% | 5,533 |
| Earnings coverage of net charge-offs (x) | 70.6667% | 763 |
| Efficiency ratio | 77.7545% | 2,003 |
| Assets per employee ($millions) | 3.5501% | 4,726 |
| Cash dividends to net income (ytd only)* | 99.0099% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 4,974 |
| Loan loss allowance to noncurrent loans | 843.3333% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 5,109 |
| Noncurrent loans to loans | 0.1102% | 5,061 |
| Net loans and leases to total assets | 39.9816% | 5,512 |
| Net loans and leases to deposits | 44.9063% | 5,618 |
| Net loans and leases to core deposits | 45.1415% | 5,678 |
| Total domestic deposits to total assets | 89.0335% | 1,103 |
| Equity capital to assets | 10.9042% | 2,930 |
| Core capital (leverage) ratio | 10.8231% | 2,585 |
| Tier 1 risk-based capital ratio | 23.4342% | 963 |
| Total risk-based capital ratio | 24.2532% | 1,001 |
| Memoranda: | ||
| Average total assets | $69,671,400 | 5,099 |
| Average earning assets | $66,047,000 | 5,040 |
| Average equity | $7,254,200 | 5,200 |
| Average total loans | $26,782,800 | 5,496 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8509% | 5,929 |
| Cost of funding earning assets | 0.2911% | 4,444 |
| Net interest margin | 2.5598% | 5,874 |
| Noninterest income to average assets | 0.2810% | 4,934 |
| Noninterest expense to average assets | 2.1321% | 5,211 |
| Loan and lease loss provision to assets | -0.0949% | 5,991 |
| Net operating income to assets | 0.4443% | 4,991 |
| Return on assets (ROA) | 0.4443% | 5,082 |
| Pretax return on assets | 0.6645% | 4,791 |
| Return on Equity (ROE) | 4.3158% | 4,908 |
| Retained earnings to average equity (ytd only) | 1.5493% | 5,091 |
| Net charge-offs to loans | 0.0150% | 3,655 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,567 |
| Earnings coverage of net charge-offs (x) | 99.9975% | 629 |
| Efficiency ratio | 78.9178% | 1,819 |
| Assets per employee ($millions) | 3.5282% | 4,748 |
| Cash dividends to net income (ytd only)* | 64.1046% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 4,916 |
| Loan loss allowance to noncurrent loans | 492.3077% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 4,783 |
| Noncurrent loans to loans | 0.1959% | 4,862 |
| Net loans and leases to total assets | 39.2168% | 5,635 |
| Net loans and leases to deposits | 44.1706% | 5,715 |
| Net loans and leases to core deposits | 44.4041% | 5,778 |
| Total domestic deposits to total assets | 88.7850% | 1,132 |
| Equity capital to assets | 11.0912% | 2,912 |
| Core capital (leverage) ratio | 10.5272% | 3,014 |
| Tier 1 risk-based capital ratio | 24.2848% | 918 |
| Total risk-based capital ratio | 25.1310% | 945 |
| Memoranda: | ||
| Average total assets | $70,226,500 | 5,151 |
| Average earning assets | $66,409,250 | 5,091 |
| Average equity | $7,229,000 | 5,272 |
| Average total loans | $26,673,250 | 5,557 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7856% | 6,027 |
| Cost of funding earning assets | 0.2913% | 4,490 |
| Net interest margin | 2.4943% | 5,965 |
| Noninterest income to average assets | 0.2721% | 5,005 |
| Noninterest expense to average assets | 2.1349% | 5,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3142% | 5,396 |
| Return on assets (ROA) | 0.3142% | 5,489 |
| Pretax return on assets | 0.4910% | 5,253 |
| Return on Equity (ROE) | 3.1283% | 5,367 |
| Retained earnings to average equity (ytd only) | -1.0614% | 5,701 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3034% | 1,582 |
| Assets per employee ($millions) | 3.9578% | 3,964 |
| Cash dividends to net income (ytd only)* | 133.9286% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 4,037 |
| Loan loss allowance to noncurrent loans | 1,188.4615% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 5,090 |
| Noncurrent loans to loans | 0.0975% | 5,349 |
| Net loans and leases to total assets | 37.0087% | 5,777 |
| Net loans and leases to deposits | 41.1612% | 5,868 |
| Net loans and leases to core deposits | 41.5622% | 5,915 |
| Total domestic deposits to total assets | 89.9116% | 699 |
| Equity capital to assets | 10.0632% | 3,964 |
| Core capital (leverage) ratio | 10.2520% | 3,282 |
| Tier 1 risk-based capital ratio | 22.5066% | 1,135 |
| Total risk-based capital ratio | 23.4690% | 1,156 |
| Memoranda: | ||
| Average total assets | $71,290,330 | 5,174 |
| Average earning assets | $67,273,670 | 5,121 |
| Average equity | $7,160,330 | 5,328 |
| Average total loans | $26,716,000 | 5,602 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7979% | 6,072 |
| Cost of funding earning assets | 0.2929% | 4,520 |
| Net interest margin | 2.5049% | 6,007 |
| Noninterest income to average assets | 0.2861% | 4,881 |
| Noninterest expense to average assets | 2.0977% | 5,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2412% | 5,584 |
| Return on assets (ROA) | 0.2412% | 5,676 |
| Pretax return on assets | 0.5385% | 5,074 |
| Return on Equity (ROE) | 2.4036% | 5,572 |
| Retained earnings to average equity (ytd only) | -5.9810% | 5,987 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5745% | 1,946 |
| Assets per employee ($millions) | 4.0386% | 3,881 |
| Cash dividends to net income (ytd only)* | 348.8372% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 3,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 5,337 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 35.0428% | 5,874 |
| Net loans and leases to deposits | 38.9314% | 5,953 |
| Net loans and leases to core deposits | 39.3020% | 5,995 |
| Total domestic deposits to total assets | 90.0116% | 742 |
| Equity capital to assets | 9.8509% | 4,325 |
| Core capital (leverage) ratio | 10.1188% | 3,441 |
| Tier 1 risk-based capital ratio | 23.1202% | 1,096 |
| Total risk-based capital ratio | 24.1149% | 1,109 |
| Memoranda: | ||
| Average total assets | $71,315,500 | 5,228 |
| Average earning assets | $66,908,000 | 5,170 |
| Average equity | $7,156,000 | 5,371 |
| Average total loans | $26,737,000 | 5,651 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9589% | 6,090 |
| Cost of funding earning assets | 0.3169% | 4,611 |
| Net interest margin | 2.6420% | 6,020 |
| Noninterest income to average assets | 0.2938% | 5,017 |
| Noninterest expense to average assets | 2.0954% | 5,583 |
| Loan and lease loss provision to assets | -0.0717% | 6,094 |
| Net operating income to assets | 0.4801% | 4,889 |
| Return on assets (ROA) | 0.4801% | 4,982 |
| Pretax return on assets | 0.7553% | 4,422 |
| Return on Equity (ROE) | 4.8387% | 4,751 |
| Retained earnings to average equity (ytd only) | -0.3611% | 5,828 |
| Net charge-offs to loans | 0.0504% | 3,821 |
| Credit loss provision to net charge-offs | -357.1429% | 5,725 |
| Earnings coverage of net charge-offs (x) | 34.0714% | 1,215 |
| Efficiency ratio | 75.3997% | 2,614 |
| Assets per employee ($millions) | 3.8854% | 4,198 |
| Cash dividends to net income (ytd only)* | 107.4627% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 4,467 |
| Loan loss allowance to noncurrent loans | 5,150.0000% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 5,292 |
| Noncurrent loans to loans | 0.0217% | 5,801 |
| Net loans and leases to total assets | 39.1524% | 5,793 |
| Net loans and leases to deposits | 43.6311% | 5,894 |
| Net loans and leases to core deposits | 44.0636% | 5,953 |
| Total domestic deposits to total assets | 89.7350% | 859 |
| Equity capital to assets | 10.2249% | 3,826 |
| Core capital (leverage) ratio | 10.2614% | 3,228 |
| Tier 1 risk-based capital ratio | 22.3385% | 1,173 |
| Total risk-based capital ratio | 23.2865% | 1,194 |
| Memoranda: | ||
| Average total assets | $69,772,200 | 5,300 |
| Average earning assets | $65,632,600 | 5,239 |
| Average equity | $6,923,400 | 5,434 |
| Average total loans | $27,752,800 | 5,661 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9552% | 6,166 |
| Cost of funding earning assets | 0.3204% | 4,669 |
| Net interest margin | 2.6348% | 6,095 |
| Noninterest income to average assets | 0.2906% | 5,118 |
| Noninterest expense to average assets | 2.1033% | 5,560 |
| Loan and lease loss provision to assets | -0.0956% | 6,262 |
| Net operating income to assets | 0.4914% | 4,902 |
| Return on assets (ROA) | 0.4914% | 4,969 |
| Pretax return on assets | 0.7514% | 4,526 |
| Return on Equity (ROE) | 4.9903% | 4,723 |
| Retained earnings to average equity (ytd only) | 0.9127% | 5,515 |
| Net charge-offs to loans | 0.0288% | 3,908 |
| Credit loss provision to net charge-offs | -833.3333% | 5,840 |
| Earnings coverage of net charge-offs (x) | 57.1650% | 895 |
| Efficiency ratio | 76.2301% | 2,456 |
| Assets per employee ($millions) | 3.8712% | 4,144 |
| Cash dividends to net income (ytd only)* | 81.7107% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 4,601 |
| Loan loss allowance to noncurrent loans | 2,641.6667% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 5,271 |
| Noncurrent loans to loans | 0.0428% | 5,840 |
| Net loans and leases to total assets | 39.7526% | 5,828 |
| Net loans and leases to deposits | 44.3122% | 5,955 |
| Net loans and leases to core deposits | 44.7525% | 6,007 |
| Total domestic deposits to total assets | 89.7103% | 870 |
| Equity capital to assets | 10.1649% | 3,973 |
| Core capital (leverage) ratio | 10.4004% | 3,155 |
| Tier 1 risk-based capital ratio | 21.9195% | 1,273 |
| Total risk-based capital ratio | 22.8769% | 1,302 |
| Memoranda: | ||
| Average total assets | $69,731,000 | 5,351 |
| Average earning assets | $65,330,000 | 5,298 |
| Average equity | $6,866,500 | 5,499 |
| Average total loans | $27,768,250 | 5,713 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9192% | 6,243 |
| Cost of funding earning assets | 0.3250% | 4,705 |
| Net interest margin | 2.5942% | 6,178 |
| Noninterest income to average assets | 0.3040% | 4,974 |
| Noninterest expense to average assets | 2.0818% | 5,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4301% | 5,098 |
| Return on assets (ROA) | 0.4301% | 5,185 |
| Pretax return on assets | 0.6481% | 4,793 |
| Return on Equity (ROE) | 4.4154% | 4,962 |
| Retained earnings to average equity (ytd only) | -1.7662% | 5,961 |
| Net charge-offs to loans | 0.0217% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 75.3333% | 698 |
| Efficiency ratio | 76.2605% | 2,573 |
| Assets per employee ($millions) | 4.0353% | 3,766 |
| Cash dividends to net income (ytd only)* | 140.0000% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 3,555 |
| Loan loss allowance to noncurrent loans | 211.4286% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 4,565 |
| Noncurrent loans to loans | 0.6418% | 4,101 |
| Net loans and leases to total assets | 39.2085% | 5,880 |
| Net loans and leases to deposits | 43.6881% | 6,001 |
| Net loans and leases to core deposits | 44.1282% | 6,059 |
| Total domestic deposits to total assets | 89.7464% | 937 |
| Equity capital to assets | 10.1924% | 3,839 |
| Core capital (leverage) ratio | 10.1932% | 3,354 |
| Tier 1 risk-based capital ratio | 22.1689% | 1,232 |
| Total risk-based capital ratio | 23.3147% | 1,228 |
| Memoranda: | ||
| Average total assets | $69,747,670 | 5,399 |
| Average earning assets | $65,222,330 | 5,343 |
| Average equity | $6,794,330 | 5,538 |
| Average total loans | $27,685,330 | 5,765 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9438% | 6,291 |
| Cost of funding earning assets | 0.3244% | 4,801 |
| Net interest margin | 2.6194% | 6,210 |
| Noninterest income to average assets | 0.3015% | 4,945 |
| Noninterest expense to average assets | 2.1103% | 5,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4380% | 4,984 |
| Return on assets (ROA) | 0.4380% | 5,042 |
| Pretax return on assets | 0.6257% | 4,738 |
| Return on Equity (ROE) | 4.6001% | 4,739 |
| Retained earnings to average equity (ytd only) | -7.9456% | 6,280 |
| Net charge-offs to loans | 0.0430% | 2,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 36.6667% | 928 |
| Efficiency ratio | 77.1310% | 2,624 |
| Assets per employee ($millions) | 3.8576% | 4,221 |
| Cash dividends to net income (ytd only)* | 272.7273% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 3,585 |
| Loan loss allowance to noncurrent loans | 1,027.7778% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 5,341 |
| Noncurrent loans to loans | 0.1366% | 5,694 |
| Net loans and leases to total assets | 37.4316% | 5,986 |
| Net loans and leases to deposits | 41.5006% | 6,102 |
| Net loans and leases to core deposits | 41.9108% | 6,161 |
| Total domestic deposits to total assets | 90.1953% | 972 |
| Equity capital to assets | 9.6909% | 4,236 |
| Core capital (leverage) ratio | 10.0135% | 3,559 |
| Tier 1 risk-based capital ratio | 21.8616% | 1,314 |
| Total risk-based capital ratio | 23.0196% | 1,307 |
| Memoranda: | ||
| Average total assets | $70,321,500 | 5,434 |
| Average earning assets | $65,357,500 | 5,396 |
| Average equity | $6,695,500 | 5,591 |
| Average total loans | $27,894,500 | 5,806 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1205% | 6,220 |
| Cost of funding earning assets | 0.3753% | 4,888 |
| Net interest margin | 2.7452% | 6,074 |
| Noninterest income to average assets | 0.2674% | 5,434 |
| Noninterest expense to average assets | 2.1999% | 5,628 |
| Loan and lease loss provision to assets | -0.1453% | 6,537 |
| Net operating income to assets | 0.4737% | 4,849 |
| Return on assets (ROA) | 0.4737% | 4,991 |
| Pretax return on assets | 0.7846% | 4,206 |
| Return on Equity (ROE) | 4.6267% | 4,824 |
| Retained earnings to average equity (ytd only) | -1.3341% | 6,106 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4821% | 2,546 |
| Assets per employee ($millions) | 3.7477% | 4,372 |
| Cash dividends to net income (ytd only)* | 128.8344% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 4,309 |
| Loan loss allowance to noncurrent loans | 1,621.7391% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 5,513 |
| Noncurrent loans to loans | 0.0782% | 5,982 |
| Net loans and leases to total assets | 40.8036% | 5,905 |
| Net loans and leases to deposits | 45.1032% | 6,067 |
| Net loans and leases to core deposits | 45.5358% | 6,157 |
| Total domestic deposits to total assets | 90.4672% | 835 |
| Equity capital to assets | 9.3558% | 4,612 |
| Core capital (leverage) ratio | 9.9434% | 3,650 |
| Tier 1 risk-based capital ratio | 20.3954% | 1,563 |
| Total risk-based capital ratio | 21.4799% | 1,570 |
| Memoranda: | ||
| Average total assets | $68,821,600 | 5,512 |
| Average earning assets | $64,476,400 | 5,448 |
| Average equity | $7,046,000 | 5,553 |
| Average total loans | $29,269,400 | 5,798 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1380% | 6,271 |
| Cost of funding earning assets | 0.3876% | 4,923 |
| Net interest margin | 2.7505% | 6,089 |
| Noninterest income to average assets | 0.2599% | 5,585 |
| Noninterest expense to average assets | 2.2533% | 5,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3205% | 5,540 |
| Return on assets (ROA) | 0.3205% | 5,657 |
| Pretax return on assets | 0.5863% | 5,070 |
| Return on Equity (ROE) | 3.0616% | 5,583 |
| Retained earnings to average equity (ytd only) | -0.8587% | 6,115 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3531% | 2,213 |
| Assets per employee ($millions) | 3.3127% | 5,264 |
| Cash dividends to net income (ytd only)* | 128.0481% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 3,010 |
| Loan loss allowance to noncurrent loans | 1,970.8333% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.2702% | 5,638 |
| Noncurrent loans to loans | 0.0810% | 6,092 |
| Net loans and leases to total assets | 43.9928% | 5,728 |
| Net loans and leases to deposits | 49.0748% | 5,899 |
| Net loans and leases to core deposits | 49.3340% | 6,048 |
| Total domestic deposits to total assets | 89.6444% | 1,201 |
| Equity capital to assets | 10.1473% | 3,702 |
| Core capital (leverage) ratio | 10.2910% | 3,257 |
| Tier 1 risk-based capital ratio | 20.8467% | 1,522 |
| Total risk-based capital ratio | 22.0998% | 1,496 |
| Memoranda: | ||
| Average total assets | $68,225,250 | 5,589 |
| Average earning assets | $63,988,000 | 5,525 |
| Average equity | $7,142,000 | 5,597 |
| Average total loans | $29,229,750 | 5,855 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0487% | 6,397 |
| Cost of funding earning assets | 0.3962% | 4,979 |
| Net interest margin | 2.6525% | 6,263 |
| Noninterest income to average assets | 0.2584% | 5,605 |
| Noninterest expense to average assets | 2.2241% | 5,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3281% | 5,494 |
| Return on assets (ROA) | 0.3281% | 5,654 |
| Pretax return on assets | 0.5226% | 5,296 |
| Return on Equity (ROE) | 3.1037% | 5,582 |
| Retained earnings to average equity (ytd only) | -2.6642% | 6,269 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9725% | 2,028 |
| Assets per employee ($millions) | 3.4464% | 4,964 |
| Cash dividends to net income (ytd only)* | 185.8407% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6198% | 3,086 |
| Loan loss allowance to noncurrent loans | 1,182.5000% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 5,383 |
| Noncurrent loans to loans | 0.1370% | 5,982 |
| Net loans and leases to total assets | 41.6797% | 5,922 |
| Net loans and leases to deposits | 46.4810% | 6,076 |
| Net loans and leases to core deposits | 46.7161% | 6,199 |
| Total domestic deposits to total assets | 89.6704% | 1,221 |
| Equity capital to assets | 10.2078% | 3,652 |
| Core capital (leverage) ratio | 10.3753% | 3,014 |
| Tier 1 risk-based capital ratio | 21.1638% | 1,458 |
| Total risk-based capital ratio | 22.4162% | 1,425 |
| Memoranda: | ||
| Average total assets | $68,882,330 | 5,608 |
| Average earning assets | $64,618,000 | 5,540 |
| Average equity | $7,281,670 | 5,606 |
| Average total loans | $29,099,670 | 5,887 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0197% | 6,494 |
| Cost of funding earning assets | 0.4101% | 5,011 |
| Net interest margin | 2.6096% | 6,358 |
| Noninterest income to average assets | 0.2440% | 5,709 |
| Noninterest expense to average assets | 2.2248% | 5,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3427% | 5,391 |
| Return on assets (ROA) | 0.3427% | 5,534 |
| Pretax return on assets | 0.4589% | 5,391 |
| Return on Equity (ROE) | 3.1873% | 5,497 |
| Retained earnings to average equity (ytd only) | -8.1572% | 6,534 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9004% | 1,904 |
| Assets per employee ($millions) | 3.4673% | 5,047 |
| Cash dividends to net income (ytd only)* | 355.9322% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6632% | 3,158 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.3692% | 5,482 |
| Noncurrent loans to loans | 0.1512% | 6,013 |
| Net loans and leases to total assets | 40.3288% | 5,972 |
| Net loans and leases to deposits | 45.1108% | 6,112 |
| Net loans and leases to core deposits | 45.3383% | 6,248 |
| Total domestic deposits to total assets | 89.3994% | 1,416 |
| Equity capital to assets | 10.5285% | 3,516 |
| Core capital (leverage) ratio | 10.5600% | 2,698 |
| Tier 1 risk-based capital ratio | 21.5398% | 1,416 |
| Total risk-based capital ratio | 22.7919% | 1,386 |
| Memoranda: | ||
| Average total assets | $68,859,500 | 5,664 |
| Average earning assets | $64,377,500 | 5,603 |
| Average equity | $7,404,500 | 5,640 |
| Average total loans | $29,048,500 | 5,933 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9962% | 6,778 |
| Cost of funding earning assets | 0.4899% | 5,289 |
| Net interest margin | 2.5063% | 6,709 |
| Noninterest income to average assets | 0.2709% | 5,523 |
| Noninterest expense to average assets | 2.3349% | 5,598 |
| Loan and lease loss provision to assets | -0.1826% | 6,972 |
| Net operating income to assets | 0.3790% | 5,184 |
| Return on assets (ROA) | 0.3790% | 5,415 |
| Pretax return on assets | 0.4627% | 5,386 |
| Return on Equity (ROE) | 3.2799% | 5,436 |
| Retained earnings to average equity (ytd only) | -2.2524% | 6,195 |
| Net charge-offs to loans | 0.0067% | 5,863 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,682 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 419 |
| Efficiency ratio | 89.2899% | 1,127 |
| Assets per employee ($millions) | 3.4187% | 5,175 |
| Cash dividends to net income (ytd only)* | 168.6747% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 3,348 |
| Loan loss allowance to noncurrent loans | 477.7778% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 5,341 |
| Noncurrent loans to loans | 0.3338% | 5,651 |
| Net loans and leases to total assets | 42.6844% | 5,931 |
| Net loans and leases to deposits | 47.9866% | 6,112 |
| Net loans and leases to core deposits | 48.2333% | 6,253 |
| Total domestic deposits to total assets | 88.9505% | 1,596 |
| Equity capital to assets | 10.9808% | 2,973 |
| Core capital (leverage) ratio | 10.8904% | 2,349 |
| Tier 1 risk-based capital ratio | 22.1233% | 1,243 |
| Total risk-based capital ratio | 23.3755% | 1,211 |
| Memoranda: | ||
| Average total assets | $65,699,600 | 5,754 |
| Average earning assets | $61,445,400 | 5,691 |
| Average equity | $7,591,800 | 5,613 |
| Average total loans | $29,936,000 | 5,952 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9250% | 6,924 |
| Cost of funding earning assets | 0.5011% | 5,430 |
| Net interest margin | 2.4240% | 6,877 |
| Noninterest income to average assets | 0.2788% | 5,545 |
| Noninterest expense to average assets | 2.3373% | 5,580 |
| Loan and lease loss provision to assets | -0.2460% | 7,105 |
| Net operating income to assets | 0.3178% | 5,555 |
| Return on assets (ROA) | 0.3178% | 5,755 |
| Pretax return on assets | 0.4490% | 5,599 |
| Return on Equity (ROE) | 2.7147% | 5,788 |
| Retained earnings to average equity (ytd only) | -0.9633% | 6,267 |
| Net charge-offs to loans | 0.0089% | 5,590 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,681 |
| Earnings coverage of net charge-offs (x) | 49.4382% | 761 |
| Efficiency ratio | 92.0097% | 885 |
| Assets per employee ($millions) | 3.3074% | 5,427 |
| Cash dividends to net income (ytd only)* | 135.4834% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 3,595 |
| Loan loss allowance to noncurrent loans | 503.1915% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 5,386 |
| Noncurrent loans to loans | 0.3143% | 5,853 |
| Net loans and leases to total assets | 44.4994% | 5,928 |
| Net loans and leases to deposits | 50.3662% | 6,083 |
| Net loans and leases to core deposits | 50.3662% | 6,264 |
| Total domestic deposits to total assets | 88.3517% | 1,810 |
| Equity capital to assets | 11.5213% | 2,722 |
| Core capital (leverage) ratio | 11.6109% | 1,903 |
| Tier 1 risk-based capital ratio | 22.8054% | 1,197 |
| Total risk-based capital ratio | 24.0509% | 1,181 |
| Memoranda: | ||
| Average total assets | $65,031,000 | 5,849 |
| Average earning assets | $60,670,000 | 5,782 |
| Average equity | $7,612,750 | 5,668 |
| Average total loans | $30,005,500 | 6,021 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8990% | 7,011 |
| Cost of funding earning assets | 0.5186% | 5,494 |
| Net interest margin | 2.3804% | 6,970 |
| Noninterest income to average assets | 0.2877% | 5,509 |
| Noninterest expense to average assets | 2.3724% | 5,557 |
| Loan and lease loss provision to assets | -0.3712% | 7,191 |
| Net operating income to assets | 0.3279% | 5,506 |
| Return on assets (ROA) | 0.3279% | 5,719 |
| Pretax return on assets | 0.5011% | 5,433 |
| Return on Equity (ROE) | 2.7858% | 5,772 |
| Retained earnings to average equity (ytd only) | -2.7332% | 6,435 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8084% | 766 |
| Assets per employee ($millions) | 3.2485% | 5,560 |
| Cash dividends to net income (ytd only)* | 198.1132% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5941% | 3,627 |
| Loan loss allowance to noncurrent loans | 896.2264% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 5,608 |
| Noncurrent loans to loans | 0.1779% | 6,226 |
| Net loans and leases to total assets | 45.1338% | 5,908 |
| Net loans and leases to deposits | 51.1477% | 6,091 |
| Net loans and leases to core deposits | 51.1477% | 6,289 |
| Total domestic deposits to total assets | 88.2421% | 1,994 |
| Equity capital to assets | 11.6486% | 2,453 |
| Core capital (leverage) ratio | 11.4141% | 1,961 |
| Tier 1 risk-based capital ratio | 23.9790% | 1,013 |
| Total risk-based capital ratio | 25.2273% | 996 |
| Memoranda: | ||
| Average total assets | $64,659,000 | 5,897 |
| Average earning assets | $60,159,000 | 5,837 |
| Average equity | $7,610,000 | 5,684 |
| Average total loans | $30,038,000 | 6,062 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9161% | 7,073 |
| Cost of funding earning assets | 0.5443% | 5,536 |
| Net interest margin | 2.3719% | 7,029 |
| Noninterest income to average assets | 0.2915% | 5,531 |
| Noninterest expense to average assets | 2.3999% | 5,467 |
| Loan and lease loss provision to assets | -0.7441% | 7,279 |
| Net operating income to assets | 0.8000% | 3,381 |
| Return on assets (ROA) | 0.8000% | 3,613 |
| Pretax return on assets | 0.8248% | 4,322 |
| Return on Equity (ROE) | 6.7619% | 3,912 |
| Retained earnings to average equity (ytd only) | -4.2458% | 6,525 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7500% | 687 |
| Assets per employee ($millions) | 3.3036% | 5,557 |
| Cash dividends to net income (ytd only)* | 162.7907% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6345% | 3,600 |
| Loan loss allowance to noncurrent loans | 475.0000% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 5,546 |
| Noncurrent loans to loans | 0.3441% | 5,981 |
| Net loans and leases to total assets | 43.2634% | 6,076 |
| Net loans and leases to deposits | 48.9293% | 6,230 |
| Net loans and leases to core deposits | 48.9293% | 6,401 |
| Total domestic deposits to total assets | 88.4202% | 2,057 |
| Equity capital to assets | 11.4875% | 2,454 |
| Core capital (leverage) ratio | 11.5748% | 1,852 |
| Tier 1 risk-based capital ratio | 23.9994% | 1,005 |
| Total risk-based capital ratio | 25.2513% | 994 |
| Memoranda: | ||
| Average total assets | $64,504,000 | 5,942 |
| Average earning assets | $59,531,000 | 5,894 |
| Average equity | $7,631,000 | 5,702 |
| Average total loans | $30,158,000 | 6,102 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1973% | 7,123 |
| Cost of funding earning assets | 0.7011% | 5,532 |
| Net interest margin | 2.4962% | 7,059 |
| Noninterest income to average assets | 0.4155% | 4,487 |
| Noninterest expense to average assets | 2.5173% | 5,411 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2110% | 5,557 |
| Return on assets (ROA) | 0.2110% | 5,694 |
| Pretax return on assets | 0.2722% | 5,630 |
| Return on Equity (ROE) | 1.6752% | 5,783 |
| Retained earnings to average equity (ytd only) | -3.6957% | 6,341 |
| Net charge-offs to loans | -0.7852% | 7,299 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2425% | 1,166 |
| Assets per employee ($millions) | 3.1468% | 5,814 |
| Cash dividends to net income (ytd only)* | 320.6107% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 2,556 |
| Loan loss allowance to noncurrent loans | 536.0360% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 5,545 |
| Noncurrent loans to loans | 0.3551% | 6,012 |
| Net loans and leases to total assets | 48.7177% | 5,748 |
| Net loans and leases to deposits | 55.6057% | 5,921 |
| Net loans and leases to core deposits | 55.6057% | 6,181 |
| Total domestic deposits to total assets | 87.6128% | 2,393 |
| Equity capital to assets | 12.1902% | 1,972 |
| Core capital (leverage) ratio | 12.0026% | 1,593 |
| Tier 1 risk-based capital ratio | 23.5589% | 1,019 |
| Total risk-based capital ratio | 24.8150% | 1,001 |
| Memoranda: | ||
| Average total assets | $62,090,600 | 5,977 |
| Average earning assets | $59,050,400 | 5,899 |
| Average equity | $7,820,000 | 5,625 |
| Average total loans | $31,837,600 | 6,079 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2036% | 7,210 |
| Cost of funding earning assets | 0.7391% | 5,530 |
| Net interest margin | 2.4645% | 7,150 |
| Noninterest income to average assets | 0.4611% | 4,212 |
| Noninterest expense to average assets | 2.5490% | 5,285 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2284% | 5,622 |
| Return on assets (ROA) | 0.2284% | 5,756 |
| Pretax return on assets | 0.2543% | 5,798 |
| Return on Equity (ROE) | 1.7988% | 5,839 |
| Retained earnings to average equity (ytd only) | -1.7648% | 6,268 |
| Net charge-offs to loans | -1.0422% | 7,384 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9301% | 1,115 |
| Assets per employee ($millions) | 3.2511% | 5,570 |
| Cash dividends to net income (ytd only)* | 198.1108% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8650% | 2,728 |
| Loan loss allowance to noncurrent loans | 646.7391% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 5,730 |
| Noncurrent loans to loans | 0.2884% | 6,273 |
| Net loans and leases to total assets | 50.6840% | 5,617 |
| Net loans and leases to deposits | 58.2637% | 5,820 |
| Net loans and leases to core deposits | 58.5371% | 6,088 |
| Total domestic deposits to total assets | 86.9907% | 2,665 |
| Equity capital to assets | 12.7212% | 1,775 |
| Core capital (leverage) ratio | 12.3049% | 1,531 |
| Tier 1 risk-based capital ratio | 24.0655% | 1,001 |
| Total risk-based capital ratio | 25.3218% | 988 |
| Memoranda: | ||
| Average total assets | $61,879,250 | 6,036 |
| Average earning assets | $58,806,500 | 5,946 |
| Average equity | $7,857,000 | 5,642 |
| Average total loans | $31,983,000 | 6,135 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1682% | 7,294 |
| Cost of funding earning assets | 0.7844% | 5,483 |
| Net interest margin | 2.3838% | 7,238 |
| Noninterest income to average assets | 0.5298% | 3,628 |
| Noninterest expense to average assets | 2.5390% | 5,399 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1906% | 5,768 |
| Return on assets (ROA) | 0.1906% | 5,881 |
| Pretax return on assets | 0.2584% | 5,783 |
| Return on Equity (ROE) | 1.5019% | 5,935 |
| Retained earnings to average equity (ytd only) | -3.8439% | 6,459 |
| Net charge-offs to loans | -1.5620% | 7,459 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7621% | 1,191 |
| Assets per employee ($millions) | 3.3206% | 5,390 |
| Cash dividends to net income (ytd only)* | 355.9322% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9214% | 2,604 |
| Loan loss allowance to noncurrent loans | 1,239.5833% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 5,976 |
| Noncurrent loans to loans | 0.1550% | 6,590 |
| Net loans and leases to total assets | 48.1392% | 6,035 |
| Net loans and leases to deposits | 55.1797% | 6,208 |
| Net loans and leases to core deposits | 55.4335% | 6,459 |
| Total domestic deposits to total assets | 87.2409% | 2,600 |
| Equity capital to assets | 12.3803% | 1,855 |
| Core capital (leverage) ratio | 12.2087% | 1,499 |
| Tier 1 risk-based capital ratio | 24.6129% | 943 |
| Total risk-based capital ratio | 25.8719% | 922 |
| Memoranda: | ||
| Average total assets | $61,915,330 | 6,082 |
| Average earning assets | $58,897,330 | 5,990 |
| Average equity | $7,856,670 | 5,661 |
| Average total loans | $32,009,670 | 6,193 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2063% | 7,335 |
| Cost of funding earning assets | 0.8188% | 5,471 |
| Net interest margin | 2.3875% | 7,262 |
| Noninterest income to average assets | 0.7501% | 2,256 |
| Noninterest expense to average assets | 2.5633% | 5,349 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3131% | 5,343 |
| Return on assets (ROA) | 0.3131% | 5,414 |
| Pretax return on assets | 0.4500% | 5,188 |
| Return on Equity (ROE) | 2.4367% | 5,623 |
| Retained earnings to average equity (ytd only) | -8.2239% | 6,765 |
| Net charge-offs to loans | -2.8896% | 7,522 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0649% | 1,831 |
| Assets per employee ($millions) | 3.2861% | 5,515 |
| Cash dividends to net income (ytd only)* | 437.5000% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 2,974 |
| Loan loss allowance to noncurrent loans | 865.6716% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 5,962 |
| Noncurrent loans to loans | 0.2093% | 6,552 |
| Net loans and leases to total assets | 50.3508% | 5,801 |
| Net loans and leases to deposits | 57.7048% | 5,954 |
| Net loans and leases to core deposits | 57.9730% | 6,256 |
| Total domestic deposits to total assets | 87.2557% | 2,796 |
| Equity capital to assets | 12.4912% | 1,634 |
| Core capital (leverage) ratio | 12.5326% | 1,312 |
| Tier 1 risk-based capital ratio | 23.6871% | 1,004 |
| Total risk-based capital ratio | 24.9433% | 984 |
| Memoranda: | ||
| Average total assets | $61,327,000 | 6,144 |
| Average earning assets | $58,135,000 | 6,059 |
| Average equity | $7,879,500 | 5,654 |
| Average total loans | $32,531,000 | 6,208 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5429% | 7,371 |
| Cost of funding earning assets | 0.9892% | 5,739 |
| Net interest margin | 2.5536% | 7,237 |
| Noninterest income to average assets | 0.3612% | 5,221 |
| Noninterest expense to average assets | 2.9943% | 3,869 |
| Loan and lease loss provision to assets | 0.6491% | 2,542 |
| Net operating income to assets | -0.5992% | 6,450 |
| Return on assets (ROA) | -0.5992% | 6,478 |
| Pretax return on assets | -0.8805% | 6,562 |
| Return on Equity (ROE) | -4.2733% | 6,376 |
| Retained earnings to average equity (ytd only) | -9.2588% | 6,616 |
| Net charge-offs to loans | 0.8934% | 2,404 |
| Credit loss provision to net charge-offs | 129.5681% | 3,078 |
| Earnings coverage of net charge-offs (x) | -0.4618% | 6,436 |
| Efficiency ratio | 108.3735% | 568 |
| Assets per employee ($millions) | 3.0109% | 6,077 |
| Cash dividends to net income (ytd only)* | -116.6667% | 7,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 6,178 |
| Loan loss allowance to noncurrent loans | 932.4324% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.6161% | 5,783 |
| Noncurrent loans to loans | 0.1120% | 6,862 |
| Net loans and leases to total assets | 54.3027% | 5,599 |
| Net loans and leases to deposits | 62.8496% | 5,761 |
| Net loans and leases to core deposits | 63.1542% | 6,134 |
| Total domestic deposits to total assets | 86.4011% | 3,139 |
| Equity capital to assets | 13.2186% | 1,293 |
| Core capital (leverage) ratio | 12.4836% | 1,321 |
| Tier 1 risk-based capital ratio | 23.5112% | 983 |
| Total risk-based capital ratio | 24.5390% | 984 |
| Memoranda: | ||
| Average total assets | $60,081,600 | 6,199 |
| Average earning assets | $56,508,000 | 6,120 |
| Average equity | $8,424,400 | 5,577 |
| Average total loans | $33,693,400 | 6,223 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4983% | 7,533 |
| Cost of funding earning assets | 1.0107% | 5,889 |
| Net interest margin | 2.4876% | 7,390 |
| Noninterest income to average assets | 0.3664% | 5,226 |
| Noninterest expense to average assets | 2.7555% | 4,659 |
| Loan and lease loss provision to assets | 0.2220% | 4,836 |
| Net operating income to assets | -0.2775% | 6,408 |
| Return on assets (ROA) | -0.2775% | 6,458 |
| Pretax return on assets | -0.2775% | 6,393 |
| Return on Equity (ROE) | -1.9514% | 6,396 |
| Retained earnings to average equity (ytd only) | -5.2299% | 6,570 |
| Net charge-offs to loans | 0.0906% | 5,617 |
| Credit loss provision to net charge-offs | 434.7826% | 693 |
| Earnings coverage of net charge-offs (x) | -1.0867% | 6,456 |
| Efficiency ratio | 102.0559% | 685 |
| Assets per employee ($millions) | 3.0427% | 6,052 |
| Cash dividends to net income (ytd only)* | -168.0007% | 7,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 6,518 |
| Loan loss allowance to noncurrent loans | 44.2819% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 2.0459% | 3,411 |
| Noncurrent loans to loans | 2.1907% | 3,461 |
| Net loans and leases to total assets | 55.8625% | 5,561 |
| Net loans and leases to deposits | 65.1039% | 5,775 |
| Net loans and leases to core deposits | 65.1039% | 6,200 |
| Total domestic deposits to total assets | 85.8051% | 3,184 |
| Equity capital to assets | 13.8120% | 1,238 |
| Core capital (leverage) ratio | 13.6598% | 1,007 |
| Tier 1 risk-based capital ratio | 23.7797% | 972 |
| Total risk-based capital ratio | 24.7291% | 981 |
| Memoranda: | ||
| Average total assets | $60,047,500 | 6,270 |
| Average earning assets | $56,331,000 | 6,190 |
| Average equity | $8,540,500 | 5,613 |
| Average total loans | $33,855,500 | 6,296 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5642% | 7,587 |
| Cost of funding earning assets | 1.0219% | 6,045 |
| Net interest margin | 2.5423% | 7,393 |
| Noninterest income to average assets | 0.3613% | 5,260 |
| Noninterest expense to average assets | 2.7301% | 4,788 |
| Loan and lease loss provision to assets | 0.1572% | 5,323 |
| Net operating income to assets | -0.1539% | 6,294 |
| Return on assets (ROA) | -0.1539% | 6,358 |
| Pretax return on assets | -0.1539% | 6,293 |
| Return on Equity (ROE) | -1.0716% | 6,324 |
| Retained earnings to average equity (ytd only) | -5.9634% | 6,655 |
| Net charge-offs to loans | 0.1365% | 4,855 |
| Credit loss provision to net charge-offs | 204.3478% | 1,906 |
| Earnings coverage of net charge-offs (x) | 0.0435% | 5,673 |
| Efficiency ratio | 99.8776% | 805 |
| Assets per employee ($millions) | 3.0643% | 6,006 |
| Cash dividends to net income (ytd only)* | -456.5217% | 7,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 6,938 |
| Loan loss allowance to noncurrent loans | 35.2201% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 2.7788% | 2,604 |
| Noncurrent loans to loans | 2.3855% | 3,272 |
| Net loans and leases to total assets | 53.9210% | 5,995 |
| Net loans and leases to deposits | 62.7726% | 6,161 |
| Net loans and leases to core deposits | 63.3745% | 6,456 |
| Total domestic deposits to total assets | 85.8989% | 3,149 |
| Equity capital to assets | 13.8449% | 1,223 |
| Core capital (leverage) ratio | 13.9220% | 943 |
| Tier 1 risk-based capital ratio | 24.3740% | 905 |
| Total risk-based capital ratio | 25.1845% | 932 |
| Memoranda: | ||
| Average total assets | $59,779,000 | 6,315 |
| Average earning assets | $55,777,330 | 6,251 |
| Average equity | $8,585,670 | 5,611 |
| Average total loans | $33,698,330 | 6,351 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 7,660 |
| Cost of funding earning assets | 1.0550% | 6,117 |
| Net interest margin | 2.5862% | 7,404 |
| Noninterest income to average assets | 0.3659% | 5,220 |
| Noninterest expense to average assets | 2.7649% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0068% | 6,270 |
| Return on assets (ROA) | 0.0068% | 6,381 |
| Pretax return on assets | -0.0068% | 6,367 |
| Return on Equity (ROE) | 0.0463% | 6,391 |
| Retained earnings to average equity (ytd only) | -9.6804% | 6,947 |
| Net charge-offs to loans | 0.0354% | 5,085 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 5,221 |
| Efficiency ratio | 100.2457% | 832 |
| Assets per employee ($millions) | 2.9452% | 6,344 |
| Cash dividends to net income (ytd only)* | 21,000.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 7,227 |
| Loan loss allowance to noncurrent loans | 39.0432% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 2.6416% | 2,756 |
| Noncurrent loans to loans | 1.9420% | 3,870 |
| Net loans and leases to total assets | 56.2178% | 5,712 |
| Net loans and leases to deposits | 65.9116% | 5,833 |
| Net loans and leases to core deposits | 65.9116% | 6,288 |
| Total domestic deposits to total assets | 85.2928% | 3,512 |
| Equity capital to assets | 14.4831% | 1,009 |
| Core capital (leverage) ratio | 14.4208% | 873 |
| Tier 1 risk-based capital ratio | 24.7081% | 897 |
| Total risk-based capital ratio | 25.4465% | 927 |
| Memoranda: | ||
| Average total assets | $59,025,500 | 6,431 |
| Average earning assets | $54,598,500 | 6,376 |
| Average equity | $8,636,000 | 5,651 |
| Average total loans | $33,884,500 | 6,421 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 7,469 |
| Cost of funding earning assets | 1.2121% | 6,616 |
| Net interest margin | 3.1970% | 6,108 |
| Noninterest income to average assets | 0.3984% | 5,215 |
| Noninterest expense to average assets | 2.9032% | 4,519 |
| Loan and lease loss provision to assets | 0.4949% | 3,896 |
| Net operating income to assets | -0.0054% | 5,493 |
| Return on assets (ROA) | -0.0054% | 5,545 |
| Pretax return on assets | -0.0214% | 5,480 |
| Return on Equity (ROE) | -0.0335% | 5,544 |
| Retained earnings to average equity (ytd only) | -4.7226% | 5,987 |
| Net charge-offs to loans | 0.7446% | 2,964 |
| Credit loss provision to net charge-offs | 111.6935% | 4,917 |
| Earnings coverage of net charge-offs (x) | 1.0685% | 5,046 |
| Efficiency ratio | 85.9788% | 2,116 |
| Assets per employee ($millions) | 2.9574% | 6,328 |
| Cash dividends to net income (ytd only)* | -14,000.0000% | 8,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 7,279 |
| Loan loss allowance to noncurrent loans | 38.6124% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 2.6560% | 2,643 |
| Noncurrent loans to loans | 1.9272% | 3,758 |
| Net loans and leases to total assets | 57.7298% | 5,703 |
| Net loans and leases to deposits | 67.9239% | 5,841 |
| Net loans and leases to core deposits | 73.1303% | 6,590 |
| Total domestic deposits to total assets | 84.9919% | 3,552 |
| Equity capital to assets | 14.7782% | 956 |
| Core capital (leverage) ratio | 14.9483% | 799 |
| Tier 1 risk-based capital ratio | 24.2441% | 925 |
| Total risk-based capital ratio | 24.9595% | 955 |
| Memoranda: | ||
| Average total assets | $55,972,600 | 6,495 |
| Average earning assets | $52,142,200 | 6,453 |
| Average equity | $8,957,000 | 5,619 |
| Average total loans | $33,306,000 | 6,442 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 7,553 |
| Cost of funding earning assets | 1.2345% | 6,784 |
| Net interest margin | 3.2241% | 5,936 |
| Noninterest income to average assets | 0.4011% | 5,275 |
| Noninterest expense to average assets | 2.8537% | 4,650 |
| Loan and lease loss provision to assets | 0.6379% | 2,843 |
| Net operating income to assets | -0.0966% | 5,886 |
| Return on assets (ROA) | -0.0966% | 5,922 |
| Pretax return on assets | -0.0677% | 5,803 |
| Return on Equity (ROE) | -0.5918% | 5,867 |
| Retained earnings to average equity (ytd only) | -3.6991% | 6,061 |
| Net charge-offs to loans | 0.9808% | 2,010 |
| Credit loss provision to net charge-offs | 108.6420% | 4,679 |
| Earnings coverage of net charge-offs (x) | 0.9712% | 5,089 |
| Efficiency ratio | 83.3451% | 2,379 |
| Assets per employee ($millions) | 2.7805% | 6,678 |
| Cash dividends to net income (ytd only)* | -525.0141% | 8,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7202% | 7,320 |
| Loan loss allowance to noncurrent loans | 96.4981% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 2.0752% | 3,244 |
| Noncurrent loans to loans | 0.7464% | 5,818 |
| Net loans and leases to total assets | 61.4746% | 5,331 |
| Net loans and leases to deposits | 73.3605% | 5,463 |
| Net loans and leases to core deposits | 80.5438% | 6,299 |
| Total domestic deposits to total assets | 83.7979% | 3,822 |
| Equity capital to assets | 16.0367% | 786 |
| Core capital (leverage) ratio | 15.6256% | 739 |
| Tier 1 risk-based capital ratio | 25.2248% | 873 |
| Total risk-based capital ratio | 25.9307% | 907 |
| Memoranda: | ||
| Average total assets | $55,178,750 | 6,572 |
| Average earning assets | $51,733,750 | 6,509 |
| Average equity | $9,011,000 | 5,657 |
| Average total loans | $33,032,000 | 6,509 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 7,669 |
| Cost of funding earning assets | 1.2427% | 6,984 |
| Net interest margin | 3.2094% | 5,880 |
| Noninterest income to average assets | 0.3852% | 5,420 |
| Noninterest expense to average assets | 2.8273% | 4,842 |
| Loan and lease loss provision to assets | 0.8504% | 1,968 |
| Net operating income to assets | -0.3380% | 6,371 |
| Return on assets (ROA) | -0.3380% | 6,385 |
| Pretax return on assets | -0.2798% | 6,215 |
| Return on Equity (ROE) | -2.0571% | 6,233 |
| Retained earnings to average equity (ytd only) | -6.7021% | 6,525 |
| Net charge-offs to loans | 1.2529% | 1,473 |
| Credit loss provision to net charge-offs | 114.7059% | 4,035 |
| Earnings coverage of net charge-offs (x) | 0.7696% | 4,961 |
| Efficiency ratio | 83.2086% | 2,577 |
| Assets per employee ($millions) | 2.8543% | 6,501 |
| Cash dividends to net income (ytd only)* | -225.8065% | 8,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7778% | 7,225 |
| Loan loss allowance to noncurrent loans | 200.7813% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 1.6571% | 3,716 |
| Noncurrent loans to loans | 0.3874% | 6,541 |
| Net loans and leases to total assets | 57.4274% | 6,044 |
| Net loans and leases to deposits | 68.2510% | 6,160 |
| Net loans and leases to core deposits | 72.8285% | 6,850 |
| Total domestic deposits to total assets | 84.1415% | 3,683 |
| Equity capital to assets | 15.5450% | 920 |
| Core capital (leverage) ratio | 15.6101% | 805 |
| Tier 1 risk-based capital ratio | 26.1681% | 846 |
| Total risk-based capital ratio | 26.9311% | 861 |
| Memoranda: | ||
| Average total assets | $55,035,000 | 6,636 |
| Average earning assets | $51,660,000 | 6,571 |
| Average equity | $9,042,000 | 5,669 |
| Average total loans | $32,564,670 | 6,583 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7274% | 7,465 |
| Cost of funding earning assets | 1.3044% | 6,999 |
| Net interest margin | 3.4230% | 5,038 |
| Noninterest income to average assets | 0.3777% | 5,406 |
| Noninterest expense to average assets | 2.8217% | 4,470 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5036% | 4,406 |
| Return on assets (ROA) | 0.5036% | 4,591 |
| Pretax return on assets | 0.7628% | 4,218 |
| Return on Equity (ROE) | 2.9805% | 5,376 |
| Retained earnings to average equity (ytd only) | -6.2240% | 6,713 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7190% | 3,043 |
| Assets per employee ($millions) | 2.7442% | 6,779 |
| Cash dividends to net income (ytd only)* | 308.8235% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 7,444 |
| Loan loss allowance to noncurrent loans | 27.2509% | 6,747 |
| Noncurrent assets plus other real estate owned to assets | 2.2739% | 2,522 |
| Noncurrent loans to loans | 2.5569% | 2,579 |
| Net loans and leases to total assets | 58.9454% | 5,815 |
| Net loans and leases to deposits | 70.7141% | 5,900 |
| Net loans and leases to core deposits | 75.2594% | 6,731 |
| Total domestic deposits to total assets | 83.3573% | 3,973 |
| Equity capital to assets | 16.4823% | 798 |
| Core capital (leverage) ratio | 16.5190% | 712 |
| Tier 1 risk-based capital ratio | 27.3419% | 795 |
| Total risk-based capital ratio | 28.0327% | 817 |
| Memoranda: | ||
| Average total assets | $54,009,500 | 6,707 |
| Average earning assets | $50,598,500 | 6,634 |
| Average equity | $9,126,000 | 5,654 |
| Average total loans | $32,327,000 | 6,628 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6358% | 6,974 |
| Cost of funding earning assets | 1.7635% | 7,103 |
| Net interest margin | 3.8722% | 3,698 |
| Noninterest income to average assets | 0.4110% | 5,386 |
| Noninterest expense to average assets | 2.9066% | 4,429 |
| Loan and lease loss provision to assets | 0.1106% | 5,956 |
| Net operating income to assets | 0.6230% | 4,214 |
| Return on assets (ROA) | 0.6230% | 4,065 |
| Pretax return on assets | 0.9713% | 3,482 |
| Return on Equity (ROE) | 3.6592% | 4,972 |
| Retained earnings to average equity (ytd only) | -0.8877% | 5,567 |
| Net charge-offs to loans | 0.6039% | 2,028 |
| Credit loss provision to net charge-offs | 32.2581% | 6,509 |
| Earnings coverage of net charge-offs (x) | 3.1559% | 4,507 |
| Efficiency ratio | 72.8743% | 3,775 |
| Assets per employee ($millions) | 2.6568% | 6,873 |
| Cash dividends to net income (ytd only)* | 124.2604% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7077% | 7,404 |
| Loan loss allowance to noncurrent loans | 163.3094% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 1.0426% | 4,213 |
| Noncurrent loans to loans | 0.4333% | 6,049 |
| Net loans and leases to total assets | 59.9386% | 5,914 |
| Net loans and leases to deposits | 72.7246% | 5,976 |
| Net loans and leases to core deposits | 77.0379% | 6,791 |
| Total domestic deposits to total assets | 82.4187% | 4,038 |
| Equity capital to assets | 17.3254% | 742 |
| Core capital (leverage) ratio | 16.7547% | 729 |
| Tier 1 risk-based capital ratio | 28.7671% | 711 |
| Total risk-based capital ratio | 29.4820% | 732 |
| Memoranda: | ||
| Average total assets | $54,256,600 | 6,610 |
| Average earning assets | $50,126,400 | 6,585 |
| Average equity | $9,237,000 | 5,659 |
| Average total loans | $30,801,400 | 6,658 |