Home > Verus Bank > Performance and Condition Ratios
Verus Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 3,611 |
| Cost of funding earning assets | 0.2965% | 4,588 |
| Net interest margin | 3.8458% | 2,517 |
| Noninterest income to average assets | 1.0897% | 782 |
| Noninterest expense to average assets | 4.0642% | 490 |
| Loan and lease loss provision to assets | 0.0128% | 3,888 |
| Net operating income to assets | 0.5402% | 4,566 |
| Return on assets (ROA) | 0.5630% | 4,519 |
| Pretax return on assets | 0.5814% | 4,663 |
| Return on Equity (ROE) | 6.7835% | 3,900 |
| Retained earnings to average equity (ytd only) | -5.8853% | 5,264 |
| Net charge-offs to loans | 0.0032% | 3,624 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 357 |
| Efficiency ratio | 87.6857% | 450 |
| Assets per employee ($millions) | 3.6667% | 4,373 |
| Cash dividends to net income (ytd only)* | 186.7591% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 3,887 |
| Loan loss allowance to noncurrent loans | 2,009.0909% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,698 |
| Noncurrent loans to loans | 0.0480% | 4,526 |
| Net loans and leases to total assets | 65.1267% | 3,240 |
| Net loans and leases to deposits | 73.7718% | 3,518 |
| Net loans and leases to core deposits | 74.8705% | 3,793 |
| Total domestic deposits to total assets | 88.2813% | 1,167 |
| Equity capital to assets | 7.8029% | 5,221 |
| Core capital (leverage) ratio | 7.9755% | 5,243 |
| Tier 1 risk-based capital ratio | 10.8701% | 5,036 |
| Total risk-based capital ratio | 11.7200% | 5,091 |
| Memoranda: | ||
| Average total assets | $140,864,800 | 3,493 |
| Average earning assets | $129,857,000 | 3,494 |
| Average equity | $11,690,200 | 4,063 |
| Average total loans | $92,769,000 | 3,430 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0808% | 3,698 |
| Cost of funding earning assets | 0.2815% | 4,621 |
| Net interest margin | 3.7993% | 2,652 |
| Noninterest income to average assets | 1.0874% | 798 |
| Noninterest expense to average assets | 3.3000% | 1,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2388% | 2,090 |
| Return on assets (ROA) | 1.2687% | 1,977 |
| Pretax return on assets | 1.3215% | 2,535 |
| Return on Equity (ROE) | 15.0651% | 859 |
| Retained earnings to average equity (ytd only) | 5.9857% | 2,666 |
| Net charge-offs to loans | 0.0029% | 3,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 682.6292% | 127 |
| Efficiency ratio | 71.8898% | 1,897 |
| Assets per employee ($millions) | 3.5482% | 4,496 |
| Cash dividends to net income (ytd only)* | 60.2675% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 4,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 65.1004% | 3,295 |
| Net loans and leases to deposits | 74.9947% | 3,510 |
| Net loans and leases to core deposits | 77.0620% | 3,736 |
| Total domestic deposits to total assets | 86.8066% | 1,819 |
| Equity capital to assets | 8.2972% | 5,034 |
| Core capital (leverage) ratio | 8.7754% | 4,899 |
| Tier 1 risk-based capital ratio | 12.4100% | 4,248 |
| Total risk-based capital ratio | 13.2689% | 4,377 |
| Memoranda: | ||
| Average total assets | $141,247,750 | 3,525 |
| Average earning assets | $130,231,750 | 3,525 |
| Average equity | $11,894,750 | 4,081 |
| Average total loans | $93,054,500 | 3,449 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 3,668 |
| Cost of funding earning assets | 0.2543% | 4,731 |
| Net interest margin | 3.7801% | 2,637 |
| Noninterest income to average assets | 1.0878% | 816 |
| Noninterest expense to average assets | 3.2648% | 1,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2495% | 1,983 |
| Return on assets (ROA) | 1.2495% | 1,982 |
| Pretax return on assets | 1.3019% | 2,503 |
| Return on Equity (ROE) | 14.7641% | 901 |
| Retained earnings to average equity (ytd only) | 3.4522% | 3,852 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4907% | 2,091 |
| Assets per employee ($millions) | 3.3367% | 4,780 |
| Cash dividends to net income (ytd only)* | 76.6175% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 65.9102% | 3,166 |
| Net loans and leases to deposits | 73.4674% | 3,581 |
| Net loans and leases to core deposits | 75.5818% | 3,772 |
| Total domestic deposits to total assets | 89.7135% | 662 |
| Equity capital to assets | 8.2144% | 5,124 |
| Core capital (leverage) ratio | 8.7298% | 4,943 |
| Tier 1 risk-based capital ratio | 11.8960% | 4,564 |
| Total risk-based capital ratio | 12.7306% | 4,697 |
| Memoranda: | ||
| Average total assets | $141,021,330 | 3,555 |
| Average earning assets | $129,785,670 | 3,553 |
| Average equity | $11,934,330 | 4,092 |
| Average total loans | $92,985,330 | 3,462 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,427 |
| Cost of funding earning assets | 0.2368% | 4,788 |
| Net interest margin | 3.8114% | 2,378 |
| Noninterest income to average assets | 0.9328% | 1,064 |
| Noninterest expense to average assets | 3.2420% | 1,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1446% | 2,243 |
| Return on assets (ROA) | 1.1446% | 2,255 |
| Pretax return on assets | 1.1903% | 2,797 |
| Return on Equity (ROE) | 13.3239% | 1,176 |
| Retained earnings to average equity (ytd only) | 11.6584% | 750 |
| Net charge-offs to loans | 0.0044% | 2,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 159 |
| Efficiency ratio | 73.1440% | 2,021 |
| Assets per employee ($millions) | 3.3773% | 4,816 |
| Cash dividends to net income (ytd only)* | 12.5000% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 4,307 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 5,015 |
| Noncurrent loans to loans | 0.0300% | 4,845 |
| Net loans and leases to total assets | 65.2243% | 3,146 |
| Net loans and leases to deposits | 73.3571% | 3,475 |
| Net loans and leases to core deposits | 74.9018% | 3,749 |
| Total domestic deposits to total assets | 88.9133% | 1,139 |
| Equity capital to assets | 8.4662% | 5,004 |
| Core capital (leverage) ratio | 8.9866% | 4,690 |
| Tier 1 risk-based capital ratio | 12.2854% | 4,391 |
| Total risk-based capital ratio | 13.1317% | 4,507 |
| Memoranda: | ||
| Average total assets | $139,792,000 | 3,612 |
| Average earning assets | $128,352,500 | 3,615 |
| Average equity | $12,008,500 | 4,121 |
| Average total loans | $91,759,500 | 3,508 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 3,712 |
| Cost of funding earning assets | 0.1772% | 5,114 |
| Net interest margin | 3.7274% | 2,683 |
| Noninterest income to average assets | 1.1449% | 775 |
| Noninterest expense to average assets | 3.4304% | 1,155 |
| Loan and lease loss provision to assets | 0.0131% | 4,026 |
| Net operating income to assets | 1.0811% | 1,926 |
| Return on assets (ROA) | 1.0916% | 1,904 |
| Pretax return on assets | 1.1369% | 3,034 |
| Return on Equity (ROE) | 12.5392% | 1,067 |
| Retained earnings to average equity (ytd only) | 4.5124% | 2,444 |
| Net charge-offs to loans | 0.0067% | 3,835 |
| Credit loss provision to net charge-offs | 300.0000% | 939 |
| Earnings coverage of net charge-offs (x) | 260.0000% | 323 |
| Efficiency ratio | 75.0719% | 1,754 |
| Assets per employee ($millions) | 3.3595% | 4,868 |
| Cash dividends to net income (ytd only)* | 64.0134% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 4,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 64.8071% | 3,255 |
| Net loans and leases to deposits | 76.4201% | 3,287 |
| Net loans and leases to core deposits | 77.5608% | 3,623 |
| Total domestic deposits to total assets | 84.8038% | 2,914 |
| Equity capital to assets | 8.7180% | 4,952 |
| Core capital (leverage) ratio | 8.9987% | 4,657 |
| Tier 1 risk-based capital ratio | 12.3434% | 4,298 |
| Total risk-based capital ratio | 13.2191% | 4,438 |
| Memoranda: | ||
| Average total assets | $136,952,400 | 3,651 |
| Average earning assets | $125,824,800 | 3,652 |
| Average equity | $11,922,600 | 4,154 |
| Average total loans | $89,030,400 | 3,541 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 3,734 |
| Cost of funding earning assets | 0.1770% | 5,150 |
| Net interest margin | 3.7051% | 2,740 |
| Noninterest income to average assets | 1.1407% | 780 |
| Noninterest expense to average assets | 3.4123% | 1,133 |
| Loan and lease loss provision to assets | 0.0058% | 4,006 |
| Net operating income to assets | 1.0856% | 2,149 |
| Return on assets (ROA) | 1.0968% | 2,157 |
| Pretax return on assets | 1.1426% | 3,142 |
| Return on Equity (ROE) | 12.6034% | 1,146 |
| Retained earnings to average equity (ytd only) | 5.2094% | 2,736 |
| Net charge-offs to loans | 0.0075% | 3,464 |
| Credit loss provision to net charge-offs | 120.0000% | 2,006 |
| Earnings coverage of net charge-offs (x) | 233.0780% | 377 |
| Efficiency ratio | 75.0107% | 1,740 |
| Assets per employee ($millions) | 3.3313% | 4,943 |
| Cash dividends to net income (ytd only)* | 58.6669% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 4,242 |
| Loan loss allowance to noncurrent loans | 1,825.5319% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 5,061 |
| Noncurrent loans to loans | 0.0531% | 4,873 |
| Net loans and leases to total assets | 64.2005% | 3,365 |
| Net loans and leases to deposits | 72.0393% | 3,767 |
| Net loans and leases to core deposits | 73.9956% | 3,973 |
| Total domestic deposits to total assets | 89.1187% | 821 |
| Equity capital to assets | 8.9543% | 4,952 |
| Core capital (leverage) ratio | 8.8067% | 4,959 |
| Tier 1 risk-based capital ratio | 12.4982% | 4,311 |
| Total risk-based capital ratio | 13.3789% | 4,429 |
| Memoranda: | ||
| Average total assets | $136,756,000 | 3,691 |
| Average earning assets | $125,805,500 | 3,685 |
| Average equity | $11,901,250 | 4,195 |
| Average total loans | $88,754,750 | 3,583 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 3,703 |
| Cost of funding earning assets | 0.1749% | 5,172 |
| Net interest margin | 3.6800% | 2,721 |
| Noninterest income to average assets | 1.1037% | 823 |
| Noninterest expense to average assets | 3.3681% | 1,235 |
| Loan and lease loss provision to assets | 0.0088% | 3,752 |
| Net operating income to assets | 1.0657% | 2,139 |
| Return on assets (ROA) | 1.0657% | 2,182 |
| Pretax return on assets | 1.1095% | 3,138 |
| Return on Equity (ROE) | 12.3647% | 1,194 |
| Retained earnings to average equity (ytd only) | 5.2749% | 2,530 |
| Net charge-offs to loans | 0.0090% | 3,142 |
| Credit loss provision to net charge-offs | 150.0000% | 1,520 |
| Earnings coverage of net charge-offs (x) | 191.2500% | 427 |
| Efficiency ratio | 75.0733% | 1,844 |
| Assets per employee ($millions) | 3.4396% | 4,810 |
| Cash dividends to net income (ytd only)* | 57.3388% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 4,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 64.4183% | 3,328 |
| Net loans and leases to deposits | 71.9144% | 3,751 |
| Net loans and leases to core deposits | 75.1397% | 3,848 |
| Total domestic deposits to total assets | 89.5764% | 701 |
| Equity capital to assets | 8.8187% | 5,056 |
| Core capital (leverage) ratio | 8.7332% | 5,020 |
| Tier 1 risk-based capital ratio | 12.4782% | 4,318 |
| Total risk-based capital ratio | 13.3698% | 4,433 |
| Memoranda: | ||
| Average total assets | $136,813,670 | 3,711 |
| Average earning assets | $125,760,670 | 3,708 |
| Average equity | $11,791,670 | 4,223 |
| Average total loans | $88,824,670 | 3,600 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8514% | 3,577 |
| Cost of funding earning assets | 0.1759% | 5,185 |
| Net interest margin | 3.6755% | 2,576 |
| Noninterest income to average assets | 1.0907% | 835 |
| Noninterest expense to average assets | 3.3658% | 1,258 |
| Loan and lease loss provision to assets | 0.0176% | 3,344 |
| Net operating income to assets | 1.0350% | 2,145 |
| Return on assets (ROA) | 1.0350% | 2,196 |
| Pretax return on assets | 1.0760% | 3,071 |
| Return on Equity (ROE) | 12.1504% | 1,192 |
| Retained earnings to average equity (ytd only) | 12.1504% | 456 |
| Net charge-offs to loans | 0.0045% | 2,822 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 373.0000% | 158 |
| Efficiency ratio | 75.4767% | 1,986 |
| Assets per employee ($millions) | 3.4189% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 4,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 63.3839% | 3,347 |
| Net loans and leases to deposits | 70.4435% | 3,754 |
| Net loans and leases to core deposits | 71.6044% | 4,021 |
| Total domestic deposits to total assets | 89.9784% | 669 |
| Equity capital to assets | 8.6820% | 5,086 |
| Core capital (leverage) ratio | 8.8998% | 4,841 |
| Tier 1 risk-based capital ratio | 12.6347% | 4,307 |
| Total risk-based capital ratio | 13.5375% | 4,419 |
| Memoranda: | ||
| Average total assets | $136,429,500 | 3,748 |
| Average earning assets | $125,044,000 | 3,751 |
| Average equity | $11,621,000 | 4,278 |
| Average total loans | $88,493,500 | 3,632 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8386% | 3,776 |
| Cost of funding earning assets | 0.1885% | 5,124 |
| Net interest margin | 3.6502% | 2,888 |
| Noninterest income to average assets | 1.1646% | 832 |
| Noninterest expense to average assets | 3.4421% | 1,273 |
| Loan and lease loss provision to assets | 0.0570% | 3,244 |
| Net operating income to assets | 0.9789% | 2,442 |
| Return on assets (ROA) | 0.9818% | 2,532 |
| Pretax return on assets | 1.0240% | 3,388 |
| Return on Equity (ROE) | 10.6571% | 1,706 |
| Retained earnings to average equity (ytd only) | -4.5007% | 5,658 |
| Net charge-offs to loans | 0.0363% | 3,302 |
| Credit loss provision to net charge-offs | 240.6250% | 1,204 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 1,070 |
| Efficiency ratio | 76.1507% | 1,959 |
| Assets per employee ($millions) | 3.4899% | 4,777 |
| Cash dividends to net income (ytd only)* | 142.2323% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 4,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 65.0880% | 3,207 |
| Net loans and leases to deposits | 77.2170% | 3,190 |
| Net loans and leases to core deposits | 78.5954% | 3,521 |
| Total domestic deposits to total assets | 84.2923% | 3,322 |
| Equity capital to assets | 8.3531% | 5,385 |
| Core capital (leverage) ratio | 8.6216% | 5,149 |
| Tier 1 risk-based capital ratio | 12.1154% | 4,650 |
| Total risk-based capital ratio | 13.0020% | 4,796 |
| Memoranda: | ||
| Average total assets | $135,062,400 | 3,754 |
| Average earning assets | $124,158,800 | 3,748 |
| Average equity | $12,442,400 | 4,184 |
| Average total loans | $88,263,200 | 3,614 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8397% | 3,799 |
| Cost of funding earning assets | 0.1891% | 5,186 |
| Net interest margin | 3.6506% | 2,888 |
| Noninterest income to average assets | 1.1899% | 817 |
| Noninterest expense to average assets | 3.4598% | 1,223 |
| Loan and lease loss provision to assets | 0.0564% | 3,115 |
| Net operating income to assets | 0.9942% | 2,462 |
| Return on assets (ROA) | 0.9980% | 2,583 |
| Pretax return on assets | 1.0385% | 3,480 |
| Return on Equity (ROE) | 10.5840% | 1,837 |
| Retained earnings to average equity (ytd only) | 3.9021% | 3,526 |
| Net charge-offs to loans | 0.0500% | 2,658 |
| Credit loss provision to net charge-offs | 172.7273% | 1,614 |
| Earnings coverage of net charge-offs (x) | 33.4234% | 1,391 |
| Efficiency ratio | 76.0270% | 1,972 |
| Assets per employee ($millions) | 3.3279% | 5,011 |
| Cash dividends to net income (ytd only)* | 63.1316% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 4,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 5,396 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 62.9738% | 3,530 |
| Net loans and leases to deposits | 71.1250% | 3,877 |
| Net loans and leases to core deposits | 74.8787% | 3,934 |
| Total domestic deposits to total assets | 88.5396% | 1,139 |
| Equity capital to assets | 9.4449% | 4,719 |
| Core capital (leverage) ratio | 9.3184% | 4,438 |
| Tier 1 risk-based capital ratio | 13.2182% | 4,023 |
| Total risk-based capital ratio | 14.0922% | 4,170 |
| Memoranda: | ||
| Average total assets | $134,801,750 | 3,779 |
| Average earning assets | $124,105,250 | 3,774 |
| Average equity | $12,710,750 | 4,176 |
| Average total loans | $87,967,750 | 3,628 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8693% | 3,706 |
| Cost of funding earning assets | 0.1943% | 5,198 |
| Net interest margin | 3.6750% | 2,799 |
| Noninterest income to average assets | 1.1366% | 868 |
| Noninterest expense to average assets | 3.4263% | 1,327 |
| Loan and lease loss provision to assets | 0.0790% | 2,567 |
| Net operating income to assets | 0.9730% | 2,510 |
| Return on assets (ROA) | 0.9787% | 2,625 |
| Pretax return on assets | 1.0190% | 3,518 |
| Return on Equity (ROE) | 10.3857% | 1,895 |
| Retained earnings to average equity (ytd only) | 4.0784% | 3,309 |
| Net charge-offs to loans | 0.0611% | 2,321 |
| Credit loss provision to net charge-offs | 196.2963% | 1,324 |
| Earnings coverage of net charge-offs (x) | 27.1481% | 1,465 |
| Efficiency ratio | 75.8325% | 2,107 |
| Assets per employee ($millions) | 3.2016% | 5,199 |
| Cash dividends to net income (ytd only)* | 60.7306% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 4,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 5,486 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 64.0035% | 3,361 |
| Net loans and leases to deposits | 72.0391% | 3,783 |
| Net loans and leases to core deposits | 76.6606% | 3,767 |
| Total domestic deposits to total assets | 88.8455% | 987 |
| Equity capital to assets | 9.5504% | 4,715 |
| Core capital (leverage) ratio | 9.3204% | 4,433 |
| Tier 1 risk-based capital ratio | 13.1019% | 4,139 |
| Total risk-based capital ratio | 13.9783% | 4,273 |
| Memoranda: | ||
| Average total assets | $134,254,330 | 3,807 |
| Average earning assets | $123,536,670 | 3,813 |
| Average equity | $12,652,000 | 4,208 |
| Average total loans | $88,370,330 | 3,643 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 3,621 |
| Cost of funding earning assets | 0.1882% | 5,301 |
| Net interest margin | 3.7020% | 2,662 |
| Noninterest income to average assets | 1.0377% | 1,008 |
| Noninterest expense to average assets | 3.3724% | 1,442 |
| Loan and lease loss provision to assets | 0.0656% | 2,650 |
| Net operating income to assets | 0.9636% | 2,445 |
| Return on assets (ROA) | 0.9750% | 2,507 |
| Pretax return on assets | 1.0138% | 3,427 |
| Return on Equity (ROE) | 10.4165% | 1,807 |
| Retained earnings to average equity (ytd only) | 10.4165% | 757 |
| Net charge-offs to loans | -0.0090% | 4,481 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9570% | 2,182 |
| Assets per employee ($millions) | 3.3511% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 4,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 5,530 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 65.5518% | 3,020 |
| Net loans and leases to deposits | 73.7393% | 3,462 |
| Net loans and leases to core deposits | 78.0964% | 3,482 |
| Total domestic deposits to total assets | 88.8968% | 1,156 |
| Equity capital to assets | 9.5597% | 4,609 |
| Core capital (leverage) ratio | 9.3739% | 4,392 |
| Tier 1 risk-based capital ratio | 12.9570% | 4,294 |
| Total risk-based capital ratio | 13.8169% | 4,452 |
| Memoranda: | ||
| Average total assets | $134,148,500 | 3,830 |
| Average earning assets | $123,284,500 | 3,841 |
| Average equity | $12,557,000 | 4,233 |
| Average total loans | $89,105,000 | 3,640 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9107% | 3,667 |
| Cost of funding earning assets | 0.1771% | 5,486 |
| Net interest margin | 3.7337% | 2,629 |
| Noninterest income to average assets | 1.1708% | 869 |
| Noninterest expense to average assets | 3.6171% | 1,097 |
| Loan and lease loss provision to assets | 0.0106% | 4,192 |
| Net operating income to assets | 0.9397% | 2,664 |
| Return on assets (ROA) | 0.9579% | 2,659 |
| Pretax return on assets | 0.9973% | 3,483 |
| Return on Equity (ROE) | 10.3840% | 1,849 |
| Retained earnings to average equity (ytd only) | 3.8118% | 3,322 |
| Net charge-offs to loans | 0.0261% | 3,706 |
| Credit loss provision to net charge-offs | 60.8696% | 3,259 |
| Earnings coverage of net charge-offs (x) | 56.7391% | 908 |
| Efficiency ratio | 78.5291% | 1,881 |
| Assets per employee ($millions) | 3.1965% | 5,299 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 5,059 |
| Loan loss allowance to noncurrent loans | 40,600.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 5,582 |
| Noncurrent loans to loans | 0.0022% | 5,560 |
| Net loans and leases to total assets | 66.0646% | 2,968 |
| Net loans and leases to deposits | 77.4812% | 3,106 |
| Net loans and leases to core deposits | 79.8896% | 3,360 |
| Total domestic deposits to total assets | 85.2654% | 2,963 |
| Equity capital to assets | 9.1617% | 4,956 |
| Core capital (leverage) ratio | 9.4352% | 4,271 |
| Tier 1 risk-based capital ratio | 12.5194% | 4,621 |
| Total risk-based capital ratio | 13.3478% | 4,790 |
| Memoranda: | ||
| Average total assets | $131,957,800 | 3,850 |
| Average earning assets | $121,409,200 | 3,853 |
| Average equity | $12,172,600 | 4,273 |
| Average total loans | $87,984,400 | 3,632 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 3,546 |
| Cost of funding earning assets | 0.1798% | 5,555 |
| Net interest margin | 3.7697% | 2,493 |
| Noninterest income to average assets | 1.1650% | 882 |
| Noninterest expense to average assets | 3.6219% | 1,078 |
| Loan and lease loss provision to assets | 0.0142% | 3,990 |
| Net operating income to assets | 0.9580% | 2,681 |
| Return on assets (ROA) | 0.9823% | 2,643 |
| Pretax return on assets | 1.0229% | 3,529 |
| Return on Equity (ROE) | 10.6306% | 1,850 |
| Retained earnings to average equity (ytd only) | 4.0304% | 3,599 |
| Net charge-offs to loans | 0.0137% | 3,693 |
| Credit loss provision to net charge-offs | 155.5556% | 1,634 |
| Earnings coverage of net charge-offs (x) | 110.7750% | 573 |
| Efficiency ratio | 78.1647% | 1,927 |
| Assets per employee ($millions) | 3.1887% | 5,313 |
| Cash dividends to net income (ytd only)* | 62.0867% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 4,913 |
| Loan loss allowance to noncurrent loans | 10,325.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 5,655 |
| Noncurrent loans to loans | 0.0094% | 5,604 |
| Net loans and leases to total assets | 64.8095% | 3,185 |
| Net loans and leases to deposits | 71.7668% | 3,796 |
| Net loans and leases to core deposits | 73.9432% | 4,020 |
| Total domestic deposits to total assets | 90.3057% | 462 |
| Equity capital to assets | 9.4189% | 4,861 |
| Core capital (leverage) ratio | 9.1954% | 4,733 |
| Tier 1 risk-based capital ratio | 12.9152% | 4,477 |
| Total risk-based capital ratio | 13.7914% | 4,632 |
| Memoranda: | ||
| Average total assets | $131,383,500 | 3,906 |
| Average earning assets | $120,890,500 | 3,904 |
| Average equity | $12,140,750 | 4,328 |
| Average total loans | $87,603,750 | 3,680 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 3,445 |
| Cost of funding earning assets | 0.1834% | 5,586 |
| Net interest margin | 3.7776% | 2,411 |
| Noninterest income to average assets | 1.1398% | 924 |
| Noninterest expense to average assets | 3.6338% | 1,071 |
| Loan and lease loss provision to assets | 0.0213% | 3,705 |
| Net operating income to assets | 0.9225% | 2,771 |
| Return on assets (ROA) | 0.9590% | 2,705 |
| Pretax return on assets | 0.9970% | 3,599 |
| Return on Equity (ROE) | 10.4444% | 1,871 |
| Retained earnings to average equity (ytd only) | 3.8070% | 3,582 |
| Net charge-offs to loans | 0.0181% | 3,334 |
| Credit loss provision to net charge-offs | 175.0000% | 1,373 |
| Earnings coverage of net charge-offs (x) | 80.6250% | 701 |
| Efficiency ratio | 78.7549% | 1,955 |
| Assets per employee ($millions) | 3.1703% | 5,386 |
| Cash dividends to net income (ytd only)* | 63.5499% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 5,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 5,777 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 66.2083% | 2,914 |
| Net loans and leases to deposits | 73.0162% | 3,615 |
| Net loans and leases to core deposits | 76.1521% | 3,753 |
| Total domestic deposits to total assets | 90.6762% | 392 |
| Equity capital to assets | 9.0745% | 5,168 |
| Core capital (leverage) ratio | 9.0211% | 4,940 |
| Tier 1 risk-based capital ratio | 12.5655% | 4,764 |
| Total risk-based capital ratio | 13.4287% | 4,916 |
| Memoranda: | ||
| Average total assets | $131,599,000 | 3,931 |
| Average earning assets | $121,030,000 | 3,929 |
| Average equity | $12,083,000 | 4,366 |
| Average total loans | $88,286,330 | 3,680 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9540% | 3,402 |
| Cost of funding earning assets | 0.1829% | 5,663 |
| Net interest margin | 3.7711% | 2,348 |
| Noninterest income to average assets | 1.0640% | 995 |
| Noninterest expense to average assets | 3.7639% | 918 |
| Loan and lease loss provision to assets | 0.0367% | 3,165 |
| Net operating income to assets | 0.7032% | 3,783 |
| Return on assets (ROA) | 0.7766% | 3,521 |
| Pretax return on assets | 0.8072% | 4,212 |
| Return on Equity (ROE) | 8.4085% | 2,750 |
| Retained earnings to average equity (ytd only) | 8.4085% | 1,410 |
| Net charge-offs to loans | 0.0045% | 3,162 |
| Credit loss provision to net charge-offs | 1,200.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 224 |
| Efficiency ratio | 83.0634% | 1,484 |
| Assets per employee ($millions) | 3.2035% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 5,318 |
| Loan loss allowance to noncurrent loans | 13,866.6667% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 5,725 |
| Noncurrent loans to loans | 0.0067% | 5,782 |
| Net loans and leases to total assets | 65.5612% | 2,842 |
| Net loans and leases to deposits | 72.8290% | 3,454 |
| Net loans and leases to core deposits | 76.1439% | 3,584 |
| Total domestic deposits to total assets | 90.0207% | 737 |
| Equity capital to assets | 9.1164% | 5,174 |
| Core capital (leverage) ratio | 9.1572% | 4,780 |
| Tier 1 risk-based capital ratio | 12.2875% | 5,049 |
| Total risk-based capital ratio | 13.1350% | 5,206 |
| Memoranda: | ||
| Average total assets | $130,821,500 | 3,973 |
| Average earning assets | $120,283,500 | 3,965 |
| Average equity | $12,083,000 | 4,402 |
| Average total loans | $87,936,500 | 3,702 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 3,352 |
| Cost of funding earning assets | 0.1924% | 5,815 |
| Net interest margin | 3.9009% | 2,240 |
| Noninterest income to average assets | 1.2564% | 768 |
| Noninterest expense to average assets | 3.7677% | 1,038 |
| Loan and lease loss provision to assets | 0.0179% | 4,255 |
| Net operating income to assets | 1.0049% | 2,356 |
| Return on assets (ROA) | 1.0303% | 2,335 |
| Pretax return on assets | 1.0730% | 3,194 |
| Return on Equity (ROE) | 11.4937% | 1,563 |
| Retained earnings to average equity (ytd only) | 2.4357% | 4,496 |
| Net charge-offs to loans | 0.0210% | 4,420 |
| Credit loss provision to net charge-offs | 127.7778% | 1,872 |
| Earnings coverage of net charge-offs (x) | 76.1111% | 662 |
| Efficiency ratio | 77.9707% | 2,217 |
| Assets per employee ($millions) | 2.9557% | 5,755 |
| Cash dividends to net income (ytd only)* | 78.8084% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 5,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 5,824 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 67.6727% | 2,612 |
| Net loans and leases to deposits | 76.3084% | 3,168 |
| Net loans and leases to core deposits | 78.9470% | 3,416 |
| Total domestic deposits to total assets | 88.6832% | 1,417 |
| Equity capital to assets | 9.3631% | 4,895 |
| Core capital (leverage) ratio | 9.0091% | 4,988 |
| Tier 1 risk-based capital ratio | 12.8503% | 4,823 |
| Total risk-based capital ratio | 13.7438% | 4,959 |
| Memoranda: | ||
| Average total assets | $128,699,000 | 3,999 |
| Average earning assets | $117,974,000 | 4,010 |
| Average equity | $11,536,800 | 4,449 |
| Average total loans | $85,734,200 | 3,720 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 3,447 |
| Cost of funding earning assets | 0.1917% | 5,897 |
| Net interest margin | 3.8905% | 2,282 |
| Noninterest income to average assets | 1.2414% | 789 |
| Noninterest expense to average assets | 3.7283% | 1,080 |
| Loan and lease loss provision to assets | 0.0238% | 3,931 |
| Net operating income to assets | 1.0114% | 2,401 |
| Return on assets (ROA) | 1.0452% | 2,313 |
| Pretax return on assets | 1.0885% | 3,238 |
| Return on Equity (ROE) | 11.7884% | 1,534 |
| Retained earnings to average equity (ytd only) | 1.5027% | 5,298 |
| Net charge-offs to loans | 0.0281% | 3,931 |
| Credit loss provision to net charge-offs | 127.7778% | 1,810 |
| Earnings coverage of net charge-offs (x) | 57.9429% | 887 |
| Efficiency ratio | 77.5844% | 2,254 |
| Assets per employee ($millions) | 3.0483% | 5,679 |
| Cash dividends to net income (ytd only)* | 87.2526% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 5,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 5,963 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 65.8682% | 2,891 |
| Net loans and leases to deposits | 72.5926% | 3,614 |
| Net loans and leases to core deposits | 75.7703% | 3,771 |
| Total domestic deposits to total assets | 90.7367% | 441 |
| Equity capital to assets | 8.9344% | 5,425 |
| Core capital (leverage) ratio | 9.0707% | 4,965 |
| Tier 1 risk-based capital ratio | 12.5036% | 5,168 |
| Total risk-based capital ratio | 13.3843% | 5,323 |
| Memoranda: | ||
| Average total assets | $129,100,250 | 4,028 |
| Average earning assets | $118,267,250 | 4,033 |
| Average equity | $11,446,000 | 4,499 |
| Average total loans | $85,460,500 | 3,770 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 3,332 |
| Cost of funding earning assets | 0.1922% | 5,985 |
| Net interest margin | 3.9098% | 2,120 |
| Noninterest income to average assets | 1.1912% | 825 |
| Noninterest expense to average assets | 3.7418% | 1,067 |
| Loan and lease loss provision to assets | 0.0296% | 3,677 |
| Net operating income to assets | 0.9612% | 2,500 |
| Return on assets (ROA) | 0.9732% | 2,526 |
| Pretax return on assets | 1.0121% | 3,434 |
| Return on Equity (ROE) | 11.0058% | 1,744 |
| Retained earnings to average equity (ytd only) | -1.6729% | 5,944 |
| Net charge-offs to loans | 0.0118% | 4,013 |
| Credit loss provision to net charge-offs | 380.0000% | 722 |
| Earnings coverage of net charge-offs (x) | 132.2000% | 454 |
| Efficiency ratio | 78.4269% | 2,236 |
| Assets per employee ($millions) | 2.9351% | 5,852 |
| Cash dividends to net income (ytd only)* | 115.2000% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 5,425 |
| Loan loss allowance to noncurrent loans | 1,152.7778% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 6,013 |
| Noncurrent loans to loans | 0.0851% | 5,767 |
| Net loans and leases to total assets | 64.8620% | 2,931 |
| Net loans and leases to deposits | 73.0866% | 3,442 |
| Net loans and leases to core deposits | 75.3786% | 3,695 |
| Total domestic deposits to total assets | 88.7468% | 1,505 |
| Equity capital to assets | 8.9070% | 5,398 |
| Core capital (leverage) ratio | 8.9385% | 5,103 |
| Tier 1 risk-based capital ratio | 12.4274% | 5,280 |
| Total risk-based capital ratio | 13.3298% | 5,422 |
| Memoranda: | ||
| Average total assets | $128,441,330 | 4,066 |
| Average earning assets | $117,601,670 | 4,071 |
| Average equity | $11,357,670 | 4,528 |
| Average total loans | $84,894,330 | 3,794 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,244 |
| Cost of funding earning assets | 0.1943% | 6,049 |
| Net interest margin | 3.9141% | 2,042 |
| Noninterest income to average assets | 1.0774% | 961 |
| Noninterest expense to average assets | 3.7567% | 1,047 |
| Loan and lease loss provision to assets | 0.0500% | 3,101 |
| Net operating income to assets | 0.8244% | 3,036 |
| Return on assets (ROA) | 0.8244% | 3,109 |
| Pretax return on assets | 0.8557% | 3,878 |
| Return on Equity (ROE) | 9.3576% | 2,308 |
| Retained earnings to average equity (ytd only) | -9.2512% | 6,333 |
| Net charge-offs to loans | 0.0094% | 3,434 |
| Credit loss provision to net charge-offs | 800.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 336 |
| Efficiency ratio | 80.5760% | 2,122 |
| Assets per employee ($millions) | 2.8082% | 6,091 |
| Cash dividends to net income (ytd only)* | 198.8636% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 5,673 |
| Loan loss allowance to noncurrent loans | 2,305.5556% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 6,214 |
| Noncurrent loans to loans | 0.0416% | 6,025 |
| Net loans and leases to total assets | 66.4257% | 2,492 |
| Net loans and leases to deposits | 74.0803% | 3,052 |
| Net loans and leases to core deposits | 76.3790% | 3,373 |
| Total domestic deposits to total assets | 89.6671% | 1,263 |
| Equity capital to assets | 8.7445% | 5,404 |
| Core capital (leverage) ratio | 8.7599% | 5,312 |
| Tier 1 risk-based capital ratio | 12.0597% | 5,605 |
| Total risk-based capital ratio | 12.9483% | 5,757 |
| Memoranda: | ||
| Average total assets | $128,089,500 | 4,101 |
| Average earning assets | $117,319,500 | 4,107 |
| Average equity | $11,285,000 | 4,549 |
| Average total loans | $85,043,500 | 3,824 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 3,454 |
| Cost of funding earning assets | 0.2341% | 6,064 |
| Net interest margin | 3.9367% | 2,150 |
| Noninterest income to average assets | 1.3576% | 757 |
| Noninterest expense to average assets | 3.9151% | 967 |
| Loan and lease loss provision to assets | 0.0032% | 5,047 |
| Net operating income to assets | 0.9850% | 2,393 |
| Return on assets (ROA) | 0.9850% | 2,466 |
| Pretax return on assets | 1.0252% | 3,246 |
| Return on Equity (ROE) | 10.8234% | 1,822 |
| Retained earnings to average equity (ytd only) | 4.4567% | 3,001 |
| Net charge-offs to loans | 0.0102% | 5,244 |
| Credit loss provision to net charge-offs | 50.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | 159.7500% | 290 |
| Efficiency ratio | 79.1958% | 2,285 |
| Assets per employee ($millions) | 2.5918% | 6,323 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 5,672 |
| Loan loss allowance to noncurrent loans | 354.7826% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 5,772 |
| Noncurrent loans to loans | 0.2756% | 5,348 |
| Net loans and leases to total assets | 65.0654% | 2,851 |
| Net loans and leases to deposits | 75.5536% | 3,022 |
| Net loans and leases to core deposits | 76.7751% | 3,519 |
| Total domestic deposits to total assets | 86.1181% | 3,193 |
| Equity capital to assets | 8.8772% | 5,174 |
| Core capital (leverage) ratio | 9.1143% | 4,838 |
| Tier 1 risk-based capital ratio | 12.8732% | 5,063 |
| Total risk-based capital ratio | 13.7846% | 5,225 |
| Memoranda: | ||
| Average total assets | $124,263,200 | 4,176 |
| Average earning assets | $113,190,600 | 4,196 |
| Average equity | $11,308,800 | 4,577 |
| Average total loans | $78,807,600 | 3,974 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 3,463 |
| Cost of funding earning assets | 0.2432% | 6,131 |
| Net interest margin | 3.9354% | 2,159 |
| Noninterest income to average assets | 1.3918% | 751 |
| Noninterest expense to average assets | 3.8916% | 978 |
| Loan and lease loss provision to assets | 0.0032% | 4,891 |
| Net operating income to assets | 1.0336% | 2,245 |
| Return on assets (ROA) | 1.0336% | 2,325 |
| Pretax return on assets | 1.0757% | 3,205 |
| Return on Equity (ROE) | 11.2861% | 1,712 |
| Retained earnings to average equity (ytd only) | 2.8039% | 4,644 |
| Net charge-offs to loans | 0.0069% | 5,032 |
| Credit loss provision to net charge-offs | 75.0000% | 2,964 |
| Earnings coverage of net charge-offs (x) | 250.1501% | 235 |
| Efficiency ratio | 78.2939% | 2,374 |
| Assets per employee ($millions) | 2.8196% | 6,125 |
| Cash dividends to net income (ytd only)* | 75.1570% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 5,697 |
| Loan loss allowance to noncurrent loans | 341.2500% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 5,876 |
| Noncurrent loans to loans | 0.2940% | 5,495 |
| Net loans and leases to total assets | 63.7011% | 3,044 |
| Net loans and leases to deposits | 72.1488% | 3,494 |
| Net loans and leases to core deposits | 73.1366% | 3,950 |
| Total domestic deposits to total assets | 88.2913% | 1,943 |
| Equity capital to assets | 8.5892% | 5,634 |
| Core capital (leverage) ratio | 9.0126% | 5,111 |
| Tier 1 risk-based capital ratio | 12.5885% | 5,400 |
| Total risk-based capital ratio | 13.5041% | 5,541 |
| Memoranda: | ||
| Average total assets | $123,579,000 | 4,233 |
| Average earning assets | $112,378,500 | 4,253 |
| Average equity | $11,317,500 | 4,625 |
| Average total loans | $77,647,250 | 4,043 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 3,386 |
| Cost of funding earning assets | 0.2534% | 6,151 |
| Net interest margin | 3.9424% | 2,071 |
| Noninterest income to average assets | 1.3896% | 809 |
| Noninterest expense to average assets | 3.9305% | 942 |
| Loan and lease loss provision to assets | 0.0016% | 4,763 |
| Net operating income to assets | 1.0010% | 2,322 |
| Return on assets (ROA) | 1.0010% | 2,463 |
| Pretax return on assets | 1.0402% | 3,331 |
| Return on Equity (ROE) | 10.7006% | 1,926 |
| Retained earnings to average equity (ytd only) | 1.4489% | 5,296 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0476% | 2,290 |
| Assets per employee ($millions) | 2.7841% | 6,182 |
| Cash dividends to net income (ytd only)* | 86.4600% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 5,657 |
| Loan loss allowance to noncurrent loans | 392.8230% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 5,999 |
| Noncurrent loans to loans | 0.2656% | 5,649 |
| Net loans and leases to total assets | 62.1415% | 3,266 |
| Net loans and leases to deposits | 69.7885% | 3,745 |
| Net loans and leases to core deposits | 70.7468% | 4,192 |
| Total domestic deposits to total assets | 89.0426% | 1,608 |
| Equity capital to assets | 8.8718% | 5,365 |
| Core capital (leverage) ratio | 9.0135% | 4,963 |
| Tier 1 risk-based capital ratio | 12.8941% | 5,229 |
| Total risk-based capital ratio | 13.8474% | 5,372 |
| Memoranda: | ||
| Average total assets | $122,478,670 | 4,289 |
| Average earning assets | $111,301,670 | 4,306 |
| Average equity | $11,457,330 | 4,635 |
| Average total loans | $76,315,330 | 4,093 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 3,108 |
| Cost of funding earning assets | 0.2692% | 6,164 |
| Net interest margin | 3.9805% | 1,860 |
| Noninterest income to average assets | 1.4107% | 770 |
| Noninterest expense to average assets | 3.9744% | 913 |
| Loan and lease loss provision to assets | 0.0033% | 4,380 |
| Net operating income to assets | 1.0076% | 2,191 |
| Return on assets (ROA) | 1.0076% | 2,307 |
| Pretax return on assets | 1.0473% | 3,158 |
| Return on Equity (ROE) | 10.4915% | 1,874 |
| Retained earnings to average equity (ytd only) | -2.9926% | 6,189 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0927% | 2,461 |
| Assets per employee ($millions) | 2.6645% | 6,437 |
| Cash dividends to net income (ytd only)* | 128.5246% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 5,674 |
| Loan loss allowance to noncurrent loans | 376.6055% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 6,035 |
| Noncurrent loans to loans | 0.2878% | 5,687 |
| Net loans and leases to total assets | 61.1333% | 3,236 |
| Net loans and leases to deposits | 67.9200% | 3,783 |
| Net loans and leases to core deposits | 68.6751% | 4,223 |
| Total domestic deposits to total assets | 90.0078% | 1,046 |
| Equity capital to assets | 9.4562% | 4,914 |
| Core capital (leverage) ratio | 9.0694% | 4,770 |
| Tier 1 risk-based capital ratio | 13.0231% | 5,197 |
| Total risk-based capital ratio | 14.0009% | 5,349 |
| Memoranda: | ||
| Average total assets | $121,075,500 | 4,371 |
| Average earning assets | $109,935,500 | 4,373 |
| Average equity | $11,628,500 | 4,645 |
| Average total loans | $75,135,500 | 4,161 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 3,740 |
| Cost of funding earning assets | 0.3774% | 6,067 |
| Net interest margin | 4.0414% | 2,233 |
| Noninterest income to average assets | 1.6059% | 617 |
| Noninterest expense to average assets | 4.1796% | 786 |
| Loan and lease loss provision to assets | 0.0862% | 4,622 |
| Net operating income to assets | 0.9501% | 2,546 |
| Return on assets (ROA) | 1.0064% | 2,525 |
| Pretax return on assets | 1.0474% | 3,364 |
| Return on Equity (ROE) | 10.5535% | 1,954 |
| Retained earnings to average equity (ytd only) | 5.8826% | 2,151 |
| Net charge-offs to loans | 0.0700% | 4,983 |
| Credit loss provision to net charge-offs | 206.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 25.6800% | 1,126 |
| Efficiency ratio | 79.5411% | 2,206 |
| Assets per employee ($millions) | 2.6575% | 6,469 |
| Cash dividends to net income (ytd only)* | 44.2596% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,551 |
| Loan loss allowance to noncurrent loans | 366.0714% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 6,096 |
| Noncurrent loans to loans | 0.3006% | 5,725 |
| Net loans and leases to total assets | 61.6310% | 3,310 |
| Net loans and leases to deposits | 70.4830% | 3,640 |
| Net loans and leases to core deposits | 71.3082% | 4,132 |
| Total domestic deposits to total assets | 87.4408% | 2,557 |
| Equity capital to assets | 9.7562% | 4,520 |
| Core capital (leverage) ratio | 9.2386% | 4,513 |
| Tier 1 risk-based capital ratio | 13.4164% | 4,814 |
| Total risk-based capital ratio | 14.4146% | 4,930 |
| Memoranda: | ||
| Average total assets | $119,437,800 | 4,372 |
| Average earning assets | $107,834,800 | 4,398 |
| Average equity | $11,389,600 | 4,695 |
| Average total loans | $71,421,200 | 4,303 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4308% | 3,921 |
| Cost of funding earning assets | 0.3984% | 6,130 |
| Net interest margin | 4.0324% | 2,374 |
| Noninterest income to average assets | 1.6125% | 572 |
| Noninterest expense to average assets | 4.1060% | 819 |
| Loan and lease loss provision to assets | 0.0469% | 5,187 |
| Net operating income to assets | 1.0564% | 2,263 |
| Return on assets (ROA) | 1.0564% | 2,476 |
| Pretax return on assets | 1.0988% | 3,356 |
| Return on Equity (ROE) | 11.1420% | 1,908 |
| Retained earnings to average equity (ytd only) | 4.8761% | 3,457 |
| Net charge-offs to loans | 0.0887% | 4,490 |
| Credit loss provision to net charge-offs | 89.3617% | 3,317 |
| Earnings coverage of net charge-offs (x) | 21.8281% | 1,380 |
| Efficiency ratio | 78.1841% | 2,376 |
| Assets per employee ($millions) | 2.6973% | 6,493 |
| Cash dividends to net income (ytd only)* | 56.2372% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 5,892 |
| Loan loss allowance to noncurrent loans | 332.7511% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 6,117 |
| Noncurrent loans to loans | 0.3158% | 5,849 |
| Net loans and leases to total assets | 59.1170% | 3,945 |
| Net loans and leases to deposits | 65.8411% | 4,488 |
| Net loans and leases to core deposits | 66.5927% | 4,890 |
| Total domestic deposits to total assets | 89.7873% | 957 |
| Equity capital to assets | 9.5347% | 5,161 |
| Core capital (leverage) ratio | 8.9870% | 5,090 |
| Tier 1 risk-based capital ratio | 13.3635% | 4,979 |
| Total risk-based capital ratio | 14.3093% | 5,156 |
| Memoranda: | ||
| Average total assets | $119,400,750 | 4,412 |
| Average earning assets | $107,758,250 | 4,446 |
| Average equity | $11,320,250 | 4,749 |
| Average total loans | $70,646,000 | 4,378 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 3,878 |
| Cost of funding earning assets | 0.4250% | 6,128 |
| Net interest margin | 4.0489% | 2,300 |
| Noninterest income to average assets | 1.5412% | 621 |
| Noninterest expense to average assets | 4.1755% | 755 |
| Loan and lease loss provision to assets | 0.0640% | 4,844 |
| Net operating income to assets | 0.9230% | 2,792 |
| Return on assets (ROA) | 0.9230% | 3,052 |
| Pretax return on assets | 0.9601% | 3,849 |
| Return on Equity (ROE) | 9.7544% | 2,462 |
| Retained earnings to average equity (ytd only) | 4.2542% | 3,776 |
| Net charge-offs to loans | 0.1342% | 3,852 |
| Credit loss provision to net charge-offs | 80.8511% | 3,295 |
| Earnings coverage of net charge-offs (x) | 12.9362% | 1,839 |
| Efficiency ratio | 80.3045% | 2,124 |
| Assets per employee ($millions) | 2.5527% | 6,708 |
| Cash dividends to net income (ytd only)* | 56.3869% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 5,876 |
| Loan loss allowance to noncurrent loans | 315.8333% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 6,152 |
| Noncurrent loans to loans | 0.3409% | 5,867 |
| Net loans and leases to total assets | 58.0506% | 4,149 |
| Net loans and leases to deposits | 64.5534% | 4,690 |
| Net loans and leases to core deposits | 65.1117% | 5,097 |
| Total domestic deposits to total assets | 89.9265% | 968 |
| Equity capital to assets | 9.4967% | 5,063 |
| Core capital (leverage) ratio | 9.1067% | 4,753 |
| Tier 1 risk-based capital ratio | 13.6233% | 4,721 |
| Total risk-based capital ratio | 14.5983% | 4,893 |
| Memoranda: | ||
| Average total assets | $118,741,670 | 4,447 |
| Average earning assets | $107,287,670 | 4,480 |
| Average equity | $11,236,000 | 4,766 |
| Average total loans | $70,022,330 | 4,420 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 3,615 |
| Cost of funding earning assets | 0.4580% | 6,096 |
| Net interest margin | 4.1180% | 2,033 |
| Noninterest income to average assets | 1.5340% | 613 |
| Noninterest expense to average assets | 4.1990% | 743 |
| Loan and lease loss provision to assets | 0.0203% | 5,084 |
| Net operating income to assets | 0.9888% | 2,520 |
| Return on assets (ROA) | 0.9888% | 2,717 |
| Pretax return on assets | 1.0294% | 3,572 |
| Return on Equity (ROE) | 10.4688% | 2,243 |
| Retained earnings to average equity (ytd only) | 4.0154% | 4,175 |
| Net charge-offs to loans | 0.0115% | 4,549 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 240 |
| Efficiency ratio | 80.0000% | 2,204 |
| Assets per employee ($millions) | 2.6192% | 6,722 |
| Cash dividends to net income (ytd only)* | 61.6438% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 5,864 |
| Loan loss allowance to noncurrent loans | 302.3529% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 6,209 |
| Noncurrent loans to loans | 0.3676% | 5,935 |
| Net loans and leases to total assets | 56.9413% | 4,227 |
| Net loans and leases to deposits | 63.4089% | 4,713 |
| Net loans and leases to core deposits | 63.9557% | 5,120 |
| Total domestic deposits to total assets | 89.8001% | 1,193 |
| Equity capital to assets | 9.3358% | 5,046 |
| Core capital (leverage) ratio | 9.0276% | 4,794 |
| Tier 1 risk-based capital ratio | 13.8591% | 4,562 |
| Total risk-based capital ratio | 14.8802% | 4,714 |
| Memoranda: | ||
| Average total assets | $118,123,500 | 4,494 |
| Average earning assets | $106,556,500 | 4,530 |
| Average equity | $11,157,000 | 4,789 |
| Average total loans | $69,830,500 | 4,455 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 3,378 |
| Cost of funding earning assets | 0.5503% | 6,335 |
| Net interest margin | 4.3461% | 1,557 |
| Noninterest income to average assets | 1.5620% | 551 |
| Noninterest expense to average assets | 4.3850% | 660 |
| Loan and lease loss provision to assets | 0.0088% | 6,428 |
| Net operating income to assets | 1.0293% | 2,088 |
| Return on assets (ROA) | 1.0293% | 2,238 |
| Pretax return on assets | 1.0697% | 2,954 |
| Return on Equity (ROE) | 10.8567% | 1,744 |
| Retained earnings to average equity (ytd only) | 2.6841% | 4,322 |
| Net charge-offs to loans | 0.0215% | 6,145 |
| Credit loss provision to net charge-offs | 66.6667% | 4,975 |
| Earnings coverage of net charge-offs (x) | 81.9333% | 358 |
| Efficiency ratio | 80.2602% | 2,270 |
| Assets per employee ($millions) | 2.4631% | 6,865 |
| Cash dividends to net income (ytd only)* | 75.2771% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 5,844 |
| Loan loss allowance to noncurrent loans | 300.7843% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 6,254 |
| Noncurrent loans to loans | 0.3628% | 5,996 |
| Net loans and leases to total assets | 60.0518% | 3,978 |
| Net loans and leases to deposits | 66.9385% | 4,597 |
| Net loans and leases to core deposits | 67.5342% | 5,085 |
| Total domestic deposits to total assets | 89.7119% | 1,153 |
| Equity capital to assets | 9.5590% | 4,792 |
| Core capital (leverage) ratio | 8.9033% | 4,933 |
| Tier 1 risk-based capital ratio | 13.5400% | 4,668 |
| Total risk-based capital ratio | 14.5432% | 4,824 |
| Memoranda: | ||
| Average total assets | $113,957,000 | 4,551 |
| Average earning assets | $102,299,000 | 4,579 |
| Average equity | $10,804,400 | 4,828 |
| Average total loans | $69,694,000 | 4,503 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9265% | 3,445 |
| Cost of funding earning assets | 0.5695% | 6,431 |
| Net interest margin | 4.3570% | 1,540 |
| Noninterest income to average assets | 1.5670% | 536 |
| Noninterest expense to average assets | 4.3239% | 697 |
| Loan and lease loss provision to assets | 0.0047% | 6,359 |
| Net operating income to assets | 1.1030% | 1,957 |
| Return on assets (ROA) | 1.1030% | 2,099 |
| Pretax return on assets | 1.1476% | 2,832 |
| Return on Equity (ROE) | 11.6582% | 1,630 |
| Retained earnings to average equity (ytd only) | 4.2337% | 3,716 |
| Net charge-offs to loans | 0.0211% | 5,859 |
| Credit loss provision to net charge-offs | 36.3636% | 5,316 |
| Earnings coverage of net charge-offs (x) | 89.1595% | 403 |
| Efficiency ratio | 78.9575% | 2,412 |
| Assets per employee ($millions) | 2.5056% | 6,883 |
| Cash dividends to net income (ytd only)* | 63.6844% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 5,980 |
| Loan loss allowance to noncurrent loans | 290.8745% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 6,346 |
| Noncurrent loans to loans | 0.3691% | 6,119 |
| Net loans and leases to total assets | 59.8646% | 4,154 |
| Net loans and leases to deposits | 66.8465% | 4,779 |
| Net loans and leases to core deposits | 67.7575% | 5,205 |
| Total domestic deposits to total assets | 89.5554% | 1,113 |
| Equity capital to assets | 9.5360% | 5,026 |
| Core capital (leverage) ratio | 9.0453% | 4,855 |
| Tier 1 risk-based capital ratio | 13.3833% | 4,822 |
| Total risk-based capital ratio | 14.3675% | 4,988 |
| Memoranda: | ||
| Average total assets | $113,505,000 | 4,591 |
| Average earning assets | $101,842,250 | 4,620 |
| Average equity | $10,739,000 | 4,858 |
| Average total loans | $69,546,000 | 4,546 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 3,206 |
| Cost of funding earning assets | 0.5960% | 6,481 |
| Net interest margin | 4.3929% | 1,392 |
| Noninterest income to average assets | 1.4721% | 592 |
| Noninterest expense to average assets | 4.4198% | 654 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9475% | 2,446 |
| Return on assets (ROA) | 0.9475% | 2,538 |
| Pretax return on assets | 0.9850% | 3,290 |
| Return on Equity (ROE) | 10.0422% | 2,101 |
| Retained earnings to average equity (ytd only) | 2.3640% | 4,784 |
| Net charge-offs to loans | 0.0145% | 5,639 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 110.4000% | 330 |
| Efficiency ratio | 81.7762% | 2,135 |
| Assets per employee ($millions) | 2.4829% | 6,932 |
| Cash dividends to net income (ytd only)* | 76.4595% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 5,926 |
| Loan loss allowance to noncurrent loans | 252.3026% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 6,304 |
| Noncurrent loans to loans | 0.4390% | 6,028 |
| Net loans and leases to total assets | 59.9666% | 4,279 |
| Net loans and leases to deposits | 66.8414% | 4,878 |
| Net loans and leases to core deposits | 67.7867% | 5,313 |
| Total domestic deposits to total assets | 89.7147% | 1,113 |
| Equity capital to assets | 9.4491% | 4,893 |
| Core capital (leverage) ratio | 9.0896% | 4,591 |
| Tier 1 risk-based capital ratio | 13.3383% | 4,658 |
| Total risk-based capital ratio | 14.3426% | 4,826 |
| Memoranda: | ||
| Average total assets | $112,085,330 | 4,655 |
| Average earning assets | $100,342,670 | 4,702 |
| Average equity | $10,575,330 | 4,904 |
| Average total loans | $68,973,330 | 4,616 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 3,203 |
| Cost of funding earning assets | 0.6188% | 6,529 |
| Net interest margin | 4.3595% | 1,397 |
| Noninterest income to average assets | 1.4628% | 597 |
| Noninterest expense to average assets | 4.3955% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9404% | 2,394 |
| Return on assets (ROA) | 0.9404% | 2,457 |
| Pretax return on assets | 0.9764% | 3,217 |
| Return on Equity (ROE) | 9.9742% | 2,104 |
| Retained earnings to average equity (ytd only) | 2.5222% | 4,649 |
| Net charge-offs to loans | 0.0291% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 54.2000% | 544 |
| Efficiency ratio | 81.8243% | 2,251 |
| Assets per employee ($millions) | 2.5071% | 6,979 |
| Cash dividends to net income (ytd only)* | 74.7126% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,948 |
| Loan loss allowance to noncurrent loans | 274.9104% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 6,419 |
| Noncurrent loans to loans | 0.4099% | 6,177 |
| Net loans and leases to total assets | 59.6446% | 4,337 |
| Net loans and leases to deposits | 66.4452% | 4,900 |
| Net loans and leases to core deposits | 67.3941% | 5,370 |
| Total domestic deposits to total assets | 89.7651% | 1,312 |
| Equity capital to assets | 9.3503% | 4,652 |
| Core capital (leverage) ratio | 9.0894% | 4,465 |
| Tier 1 risk-based capital ratio | 13.2820% | 4,594 |
| Total risk-based capital ratio | 14.2891% | 4,782 |
| Memoranda: | ||
| Average total assets | $111,022,000 | 4,711 |
| Average earning assets | $99,553,000 | 4,751 |
| Average equity | $10,467,000 | 4,925 |
| Average total loans | $68,832,000 | 4,659 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3239% | 3,011 |
| Cost of funding earning assets | 0.7637% | 6,693 |
| Net interest margin | 4.5602% | 1,107 |
| Noninterest income to average assets | 1.8458% | 456 |
| Noninterest expense to average assets | 4.6525% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2182% | 1,373 |
| Return on assets (ROA) | 1.2371% | 1,397 |
| Pretax return on assets | 1.2839% | 1,973 |
| Return on Equity (ROE) | 12.9077% | 1,111 |
| Retained earnings to average equity (ytd only) | 5.4718% | 2,132 |
| Net charge-offs to loans | 0.0105% | 6,727 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 192.8571% | 133 |
| Efficiency ratio | 78.6325% | 2,590 |
| Assets per employee ($millions) | 2.3239% | 7,196 |
| Cash dividends to net income (ytd only)* | 57.6079% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 5,921 |
| Loan loss allowance to noncurrent loans | 270.8772% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 6,426 |
| Noncurrent loans to loans | 0.4094% | 6,224 |
| Net loans and leases to total assets | 63.0209% | 4,067 |
| Net loans and leases to deposits | 73.3181% | 4,309 |
| Net loans and leases to core deposits | 74.6670% | 4,891 |
| Total domestic deposits to total assets | 85.9555% | 3,382 |
| Equity capital to assets | 9.5080% | 4,396 |
| Core capital (leverage) ratio | 9.1339% | 4,295 |
| Tier 1 risk-based capital ratio | 13.1419% | 4,492 |
| Total risk-based capital ratio | 14.1503% | 4,656 |
| Memoranda: | ||
| Average total assets | $106,781,200 | 4,808 |
| Average earning assets | $95,325,600 | 4,856 |
| Average equity | $10,234,200 | 5,065 |
| Average total loans | $66,749,800 | 4,798 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3546% | 3,095 |
| Cost of funding earning assets | 0.7963% | 6,778 |
| Net interest margin | 4.5583% | 1,137 |
| Noninterest income to average assets | 1.7971% | 454 |
| Noninterest expense to average assets | 4.6327% | 515 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1865% | 1,634 |
| Return on assets (ROA) | 1.2119% | 1,643 |
| Pretax return on assets | 1.2596% | 2,303 |
| Return on Equity (ROE) | 12.6183% | 1,356 |
| Retained earnings to average equity (ytd only) | 4.0797% | 3,599 |
| Net charge-offs to loans | 0.0040% | 6,620 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 490.3745% | 65 |
| Efficiency ratio | 78.9767% | 2,490 |
| Assets per employee ($millions) | 2.3027% | 7,303 |
| Cash dividends to net income (ytd only)* | 67.6682% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 5,725 |
| Loan loss allowance to noncurrent loans | 267.9310% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 6,088 |
| Noncurrent loans to loans | 0.4278% | 6,345 |
| Net loans and leases to total assets | 61.9140% | 4,549 |
| Net loans and leases to deposits | 69.4373% | 5,223 |
| Net loans and leases to core deposits | 70.2991% | 5,714 |
| Total domestic deposits to total assets | 89.1653% | 1,305 |
| Equity capital to assets | 9.7084% | 4,536 |
| Core capital (leverage) ratio | 8.9312% | 4,796 |
| Tier 1 risk-based capital ratio | 13.1128% | 4,491 |
| Total risk-based capital ratio | 14.1510% | 4,637 |
| Memoranda: | ||
| Average total assets | $106,170,500 | 4,884 |
| Average earning assets | $94,769,500 | 4,939 |
| Average equity | $10,196,500 | 5,135 |
| Average total loans | $66,035,750 | 4,904 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3424% | 3,249 |
| Cost of funding earning assets | 0.8200% | 6,851 |
| Net interest margin | 4.5225% | 1,161 |
| Noninterest income to average assets | 1.8164% | 409 |
| Noninterest expense to average assets | 4.6281% | 511 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1809% | 1,611 |
| Return on assets (ROA) | 1.2191% | 1,572 |
| Pretax return on assets | 1.2646% | 2,203 |
| Return on Equity (ROE) | 12.7415% | 1,304 |
| Retained earnings to average equity (ytd only) | 3.1903% | 4,080 |
| Net charge-offs to loans | -0.0031% | 7,089 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0735% | 2,564 |
| Assets per employee ($millions) | 2.3036% | 7,346 |
| Cash dividends to net income (ytd only)* | 74.9611% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 5,554 |
| Loan loss allowance to noncurrent loans | 258.2781% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 6,109 |
| Noncurrent loans to loans | 0.4570% | 6,339 |
| Net loans and leases to total assets | 60.3150% | 4,997 |
| Net loans and leases to deposits | 67.5036% | 5,612 |
| Net loans and leases to core deposits | 68.1539% | 6,042 |
| Total domestic deposits to total assets | 89.3507% | 1,255 |
| Equity capital to assets | 9.4661% | 4,756 |
| Core capital (leverage) ratio | 8.9740% | 4,645 |
| Tier 1 risk-based capital ratio | 13.1772% | 4,299 |
| Total risk-based capital ratio | 14.2407% | 4,412 |
| Memoranda: | ||
| Average total assets | $105,485,330 | 4,931 |
| Average earning assets | $94,151,670 | 4,986 |
| Average equity | $10,093,000 | 5,170 |
| Average total loans | $65,453,000 | 4,961 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3563% | 3,263 |
| Cost of funding earning assets | 0.8396% | 6,973 |
| Net interest margin | 4.5167% | 1,104 |
| Noninterest income to average assets | 1.8407% | 382 |
| Noninterest expense to average assets | 4.7765% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0561% | 1,983 |
| Return on assets (ROA) | 1.1336% | 1,806 |
| Pretax return on assets | 1.1759% | 2,450 |
| Return on Equity (ROE) | 11.7823% | 1,552 |
| Retained earnings to average equity (ytd only) | -2.3165% | 6,261 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3482% | 2,369 |
| Assets per employee ($millions) | 2.2471% | 7,505 |
| Cash dividends to net income (ytd only)* | 119.6610% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 5,499 |
| Loan loss allowance to noncurrent loans | 123.4548% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 6,022 |
| Noncurrent loans to loans | 0.9722% | 5,389 |
| Net loans and leases to total assets | 60.7133% | 4,994 |
| Net loans and leases to deposits | 67.9744% | 5,592 |
| Net loans and leases to core deposits | 68.4592% | 6,058 |
| Total domestic deposits to total assets | 89.3179% | 1,352 |
| Equity capital to assets | 9.4834% | 4,556 |
| Core capital (leverage) ratio | 8.9125% | 4,712 |
| Tier 1 risk-based capital ratio | 13.2040% | 4,206 |
| Total risk-based capital ratio | 14.2931% | 4,276 |
| Memoranda: | ||
| Average total assets | $104,093,000 | 5,029 |
| Average earning assets | $92,899,500 | 5,081 |
| Average equity | $10,015,000 | 5,232 |
| Average total loans | $65,138,000 | 5,035 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7378% | 2,918 |
| Cost of funding earning assets | 0.9765% | 7,247 |
| Net interest margin | 4.7613% | 753 |
| Noninterest income to average assets | 1.9151% | 403 |
| Noninterest expense to average assets | 4.7922% | 611 |
| Loan and lease loss provision to assets | 0.4419% | 4,177 |
| Net operating income to assets | 0.8876% | 2,222 |
| Return on assets (ROA) | 0.8876% | 2,291 |
| Pretax return on assets | 0.9243% | 2,849 |
| Return on Equity (ROE) | 9.5915% | 1,822 |
| Retained earnings to average equity (ytd only) | 6.7558% | 1,051 |
| Net charge-offs to loans | 0.4897% | 3,812 |
| Credit loss provision to net charge-offs | 143.1250% | 3,356 |
| Earnings coverage of net charge-offs (x) | 4.4250% | 2,958 |
| Efficiency ratio | 77.8161% | 3,223 |
| Assets per employee ($millions) | 2.0933% | 7,663 |
| Cash dividends to net income (ytd only)* | 29.5652% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 5,417 |
| Loan loss allowance to noncurrent loans | 203.3943% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 6,513 |
| Noncurrent loans to loans | 0.5859% | 6,069 |
| Net loans and leases to total assets | 62.9765% | 4,819 |
| Net loans and leases to deposits | 70.1647% | 5,585 |
| Net loans and leases to core deposits | 74.8494% | 6,481 |
| Total domestic deposits to total assets | 89.7553% | 1,079 |
| Equity capital to assets | 9.7631% | 4,047 |
| Core capital (leverage) ratio | 9.0718% | 4,303 |
| Tier 1 risk-based capital ratio | 13.1672% | 4,031 |
| Total risk-based capital ratio | 14.2465% | 4,093 |
| Memoranda: | ||
| Average total assets | $103,647,600 | 4,993 |
| Average earning assets | $92,370,200 | 5,049 |
| Average equity | $9,591,800 | 5,418 |
| Average total loans | $65,348,600 | 5,053 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7431% | 3,122 |
| Cost of funding earning assets | 1.0159% | 7,356 |
| Net interest margin | 4.7272% | 793 |
| Noninterest income to average assets | 1.8655% | 427 |
| Noninterest expense to average assets | 4.7691% | 578 |
| Loan and lease loss provision to assets | 0.4427% | 3,696 |
| Net operating income to assets | 0.8353% | 2,677 |
| Return on assets (ROA) | 0.8353% | 2,737 |
| Pretax return on assets | 0.8686% | 3,327 |
| Return on Equity (ROE) | 9.1499% | 2,212 |
| Retained earnings to average equity (ytd only) | 5.4674% | 2,222 |
| Net charge-offs to loans | 0.4673% | 3,351 |
| Credit loss provision to net charge-offs | 150.6550% | 3,184 |
| Earnings coverage of net charge-offs (x) | 4.4628% | 3,131 |
| Efficiency ratio | 78.4343% | 3,096 |
| Assets per employee ($millions) | 2.1096% | 7,706 |
| Cash dividends to net income (ytd only)* | 40.2452% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 5,685 |
| Loan loss allowance to noncurrent loans | 216.9054% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 6,654 |
| Noncurrent loans to loans | 0.5098% | 6,288 |
| Net loans and leases to total assets | 64.1806% | 4,828 |
| Net loans and leases to deposits | 73.1407% | 5,492 |
| Net loans and leases to core deposits | 77.6561% | 6,517 |
| Total domestic deposits to total assets | 87.7496% | 1,778 |
| Equity capital to assets | 9.3106% | 5,020 |
| Core capital (leverage) ratio | 8.8158% | 4,950 |
| Tier 1 risk-based capital ratio | 12.2858% | 4,723 |
| Total risk-based capital ratio | 13.2920% | 4,876 |
| Memoranda: | ||
| Average total assets | $103,917,000 | 5,019 |
| Average earning assets | $92,653,250 | 5,083 |
| Average equity | $9,486,250 | 5,491 |
| Average total loans | $65,342,250 | 5,093 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8001% | 3,043 |
| Cost of funding earning assets | 1.0735% | 7,429 |
| Net interest margin | 4.7265% | 766 |
| Noninterest income to average assets | 1.8125% | 443 |
| Noninterest expense to average assets | 4.7314% | 626 |
| Loan and lease loss provision to assets | 0.1373% | 5,702 |
| Net operating income to assets | 1.1064% | 1,750 |
| Return on assets (ROA) | 1.1064% | 1,829 |
| Pretax return on assets | 1.1509% | 2,462 |
| Return on Equity (ROE) | 12.2031% | 1,361 |
| Retained earnings to average equity (ytd only) | 6.6136% | 1,738 |
| Net charge-offs to loans | 0.0529% | 5,751 |
| Credit loss provision to net charge-offs | 417.6471% | 1,106 |
| Earnings coverage of net charge-offs (x) | 39.1765% | 828 |
| Efficiency ratio | 78.5990% | 3,255 |
| Assets per employee ($millions) | 2.0383% | 7,828 |
| Cash dividends to net income (ytd only)* | 45.8042% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 5,872 |
| Loan loss allowance to noncurrent loans | 3,861.1111% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 7,588 |
| Noncurrent loans to loans | 0.0273% | 7,470 |
| Net loans and leases to total assets | 63.9265% | 5,001 |
| Net loans and leases to deposits | 72.0469% | 5,727 |
| Net loans and leases to core deposits | 76.7270% | 6,626 |
| Total domestic deposits to total assets | 88.7291% | 1,415 |
| Equity capital to assets | 9.2919% | 4,888 |
| Core capital (leverage) ratio | 8.6778% | 5,131 |
| Tier 1 risk-based capital ratio | 12.5522% | 4,483 |
| Total risk-based capital ratio | 13.5043% | 4,635 |
| Memoranda: | ||
| Average total assets | $103,395,330 | 5,067 |
| Average earning assets | $92,033,330 | 5,121 |
| Average equity | $9,374,670 | 5,553 |
| Average total loans | $64,304,330 | 5,165 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7833% | 3,389 |
| Cost of funding earning assets | 1.1593% | 7,394 |
| Net interest margin | 4.6241% | 902 |
| Noninterest income to average assets | 1.6056% | 535 |
| Noninterest expense to average assets | 4.5288% | 691 |
| Loan and lease loss provision to assets | 0.0960% | 5,733 |
| Net operating income to assets | 1.0640% | 2,090 |
| Return on assets (ROA) | 1.0640% | 2,220 |
| Pretax return on assets | 1.0871% | 3,035 |
| Return on Equity (ROE) | 11.8795% | 1,699 |
| Retained earnings to average equity (ytd only) | 6.4758% | 2,428 |
| Net charge-offs to loans | 0.0252% | 5,194 |
| Credit loss provision to net charge-offs | 625.0000% | 910 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 535 |
| Efficiency ratio | 79.2872% | 2,947 |
| Assets per employee ($millions) | 2.1564% | 7,763 |
| Cash dividends to net income (ytd only)* | 45.4874% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 5,983 |
| Loan loss allowance to noncurrent loans | 769.7674% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 7,354 |
| Noncurrent loans to loans | 0.1332% | 7,140 |
| Net loans and leases to total assets | 59.2623% | 5,773 |
| Net loans and leases to deposits | 65.3400% | 6,435 |
| Net loans and leases to core deposits | 69.6513% | 7,041 |
| Total domestic deposits to total assets | 90.6983% | 516 |
| Equity capital to assets | 8.7740% | 5,661 |
| Core capital (leverage) ratio | 8.7538% | 5,057 |
| Tier 1 risk-based capital ratio | 12.2922% | 4,712 |
| Total risk-based capital ratio | 13.1959% | 4,914 |
| Memoranda: | ||
| Average total assets | $104,134,500 | 5,063 |
| Average earning assets | $92,472,500 | 5,131 |
| Average equity | $9,327,000 | 5,593 |
| Average total loans | $63,533,000 | 5,228 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3063% | 3,930 |
| Cost of funding earning assets | 1.7990% | 7,010 |
| Net interest margin | 4.5073% | 1,400 |
| Noninterest income to average assets | 1.9428% | 361 |
| Noninterest expense to average assets | 4.8084% | 706 |
| Loan and lease loss provision to assets | 0.0495% | 6,794 |
| Net operating income to assets | 1.0260% | 2,452 |
| Return on assets (ROA) | 1.0260% | 2,334 |
| Pretax return on assets | 1.0533% | 3,201 |
| Return on Equity (ROE) | 12.0455% | 1,577 |
| Retained earnings to average equity (ytd only) | 3.3941% | 3,040 |
| Net charge-offs to loans | 0.0284% | 6,425 |
| Credit loss provision to net charge-offs | 288.2353% | 1,576 |
| Earnings coverage of net charge-offs (x) | 64.1765% | 633 |
| Efficiency ratio | 81.3440% | 2,395 |
| Assets per employee ($millions) | 2.0090% | 7,906 |
| Cash dividends to net income (ytd only)* | 71.8227% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 5,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 61.5898% | 5,684 |
| Net loans and leases to deposits | 70.2045% | 6,251 |
| Net loans and leases to core deposits | 75.2759% | 6,900 |
| Total domestic deposits to total assets | 87.7292% | 1,592 |
| Equity capital to assets | 9.1528% | 5,146 |
| Core capital (leverage) ratio | 8.9543% | 4,803 |
| Tier 1 risk-based capital ratio | 12.5526% | 4,405 |
| Total risk-based capital ratio | 13.4615% | 4,548 |
| Memoranda: | ||
| Average total assets | $98,931,400 | 5,087 |
| Average earning assets | $87,103,000 | 5,183 |
| Average equity | $8,426,400 | 5,934 |
| Average total loans | $59,850,800 | 5,274 |