Home > VisionBank > Performance and Condition Ratios
VisionBank, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5936% | 1,520 |
| Cost of funding earning assets | 0.1979% | 2,831 |
| Net interest margin | 3.3957% | 1,306 |
| Noninterest income to average assets | 0.5477% | 1,912 |
| Noninterest expense to average assets | 2.7118% | 1,331 |
| Loan and lease loss provision to assets | 0.1256% | 660 |
| Net operating income to assets | 0.7789% | 2,732 |
| Return on assets (ROA) | 0.7789% | 2,728 |
| Pretax return on assets | 0.8141% | 3,065 |
| Return on Equity (ROE) | 5.9894% | 3,350 |
| Retained earnings to average equity (ytd only) | 1.7904% | 3,601 |
| Net charge-offs to loans | -0.0023% | 3,129 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7064% | 1,886 |
| Assets per employee ($millions) | 6.4844% | 2,391 |
| Cash dividends to net income (ytd only)* | 70.1075% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0433% | 4,744 |
| Loan loss allowance to noncurrent loans | 93.8272% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,681 |
| Noncurrent loans to loans | 0.0461% | 3,648 |
| Net loans and leases to total assets | 77.3563% | 429 |
| Net loans and leases to deposits | 93.8634% | 369 |
| Net loans and leases to core deposits | 96.5460% | 633 |
| Total domestic deposits to total assets | 82.4137% | 4,028 |
| Equity capital to assets | 13.6203% | 582 |
| Core capital (leverage) ratio | 8.5717% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6004% | 3,077 |
| Memoranda: | ||
| Average total assets | $238,805,500 | 2,853 |
| Average earning assets | $218,276,000 | 2,874 |
| Average equity | $31,055,000 | 2,431 |
| Average total loans | $174,992,500 | 2,419 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1614% | 4,829 |
| Cost of funding earning assets | 0.0115% | 4,794 |
| Net interest margin | 0.1499% | 4,827 |
| Noninterest income to average assets | 0.0184% | 4,773 |
| Noninterest expense to average assets | 0.0968% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0623% | 4,652 |
| Return on assets (ROA) | 0.0623% | 4,661 |
| Pretax return on assets | 0.0623% | 4,665 |
| Return on Equity (ROE) | 0.6417% | 4,641 |
| Retained earnings to average equity (ytd only) | 0.6417% | 4,345 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8451% | 3,018 |
| Assets per employee ($millions) | 7.1616% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,810 |
| Noncurrent loans to loans | 0.0442% | 3,760 |
| Net loans and leases to total assets | 69.5555% | 1,090 |
| Net loans and leases to deposits | 83.5754% | 938 |
| Net loans and leases to core deposits | 86.9911% | 1,136 |
| Total domestic deposits to total assets | 83.2248% | 3,759 |
| Equity capital to assets | 12.4465% | 1,077 |
| Core capital (leverage) ratio | 8.8221% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6138% | 3,073 |
| Memoranda: | ||
| Average total assets | $223,051,800 | 2,885 |
| Average earning assets | $209,410,800 | 2,876 |
| Average equity | $21,662,200 | 3,084 |
| Average total loans | $178,640,800 | 2,398 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 1,263 |
| Cost of funding earning assets | 0.3336% | 2,262 |
| Net interest margin | 3.7848% | 1,148 |
| Noninterest income to average assets | 0.8087% | 1,492 |
| Noninterest expense to average assets | 2.6783% | 1,647 |
| Loan and lease loss provision to assets | 0.0925% | 1,289 |
| Net operating income to assets | 1.2003% | 2,170 |
| Return on assets (ROA) | 1.2207% | 2,157 |
| Pretax return on assets | 1.6396% | 1,580 |
| Return on Equity (ROE) | 13.6869% | 1,482 |
| Retained earnings to average equity (ytd only) | 10.7614% | 1,110 |
| Net charge-offs to loans | 0.0045% | 2,174 |
| Credit loss provision to net charge-offs | 2,500.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 461.0000% | 321 |
| Efficiency ratio | 61.0861% | 2,822 |
| Assets per employee ($millions) | 6.2000% | 2,502 |
| Cash dividends to net income (ytd only)* | 21.3744% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 81.9868% | 188 |
| Net loans and leases to deposits | 96.2487% | 341 |
| Net loans and leases to core deposits | 100.8573% | 559 |
| Total domestic deposits to total assets | 85.1822% | 3,053 |
| Equity capital to assets | 9.5175% | 3,350 |
| Core capital (leverage) ratio | 8.9195% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,150,750 | 2,967 |
| Average earning assets | $204,215,250 | 2,949 |
| Average equity | $19,278,250 | 3,317 |
| Average total loans | $179,714,750 | 2,423 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 1,261 |
| Cost of funding earning assets | 0.3612% | 2,221 |
| Net interest margin | 3.7917% | 1,150 |
| Noninterest income to average assets | 0.8131% | 1,505 |
| Noninterest expense to average assets | 2.6614% | 1,686 |
| Loan and lease loss provision to assets | 0.1377% | 888 |
| Net operating income to assets | 1.2005% | 2,187 |
| Return on assets (ROA) | 1.2288% | 2,152 |
| Pretax return on assets | 1.6335% | 1,645 |
| Return on Equity (ROE) | 14.0824% | 1,387 |
| Retained earnings to average equity (ytd only) | 11.1166% | 1,102 |
| Net charge-offs to loans | 0.0077% | 1,853 |
| Credit loss provision to net charge-offs | 2,142.8571% | 276 |
| Earnings coverage of net charge-offs (x) | 270.1429% | 402 |
| Efficiency ratio | 60.5302% | 2,939 |
| Assets per employee ($millions) | 5.9293% | 2,690 |
| Cash dividends to net income (ytd only)* | 21.0605% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,982 |
| Loan loss allowance to noncurrent loans | 391.8330% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 2,320 |
| Noncurrent loans to loans | 0.3043% | 2,832 |
| Net loans and leases to total assets | 83.8167% | 141 |
| Net loans and leases to deposits | 99.3023% | 277 |
| Net loans and leases to core deposits | 104.0362% | 533 |
| Total domestic deposits to total assets | 84.4056% | 3,312 |
| Equity capital to assets | 9.1668% | 3,637 |
| Core capital (leverage) ratio | 8.8219% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,934,000 | 2,955 |
| Average earning assets | $205,976,000 | 2,933 |
| Average equity | $19,016,667 | 3,339 |
| Average total loans | $181,290,000 | 2,429 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0204% | 1,570 |
| Cost of funding earning assets | 0.3949% | 2,139 |
| Net interest margin | 3.6255% | 1,515 |
| Noninterest income to average assets | 0.8775% | 1,387 |
| Noninterest expense to average assets | 2.6634% | 1,707 |
| Loan and lease loss provision to assets | 0.1363% | 991 |
| Net operating income to assets | 1.0900% | 2,509 |
| Return on assets (ROA) | 1.0900% | 2,581 |
| Pretax return on assets | 1.4970% | 2,001 |
| Return on Equity (ROE) | 12.8058% | 1,725 |
| Retained earnings to average equity (ytd only) | 9.7964% | 1,712 |
| Net charge-offs to loans | 0.0132% | 1,483 |
| Credit loss provision to net charge-offs | 1,250.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 149.8333% | 490 |
| Efficiency ratio | 61.9873% | 2,762 |
| Assets per employee ($millions) | 6.4681% | 2,203 |
| Cash dividends to net income (ytd only)* | 23.5000% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 3,162 |
| Loan loss allowance to noncurrent loans | 934.9776% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 3,352 |
| Noncurrent loans to loans | 0.1237% | 3,694 |
| Net loans and leases to total assets | 81.0328% | 282 |
| Net loans and leases to deposits | 94.1479% | 485 |
| Net loans and leases to core deposits | 98.0215% | 805 |
| Total domestic deposits to total assets | 86.0697% | 2,709 |
| Equity capital to assets | 8.6246% | 4,027 |
| Core capital (leverage) ratio | 8.3597% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,173,500 | 2,926 |
| Average earning assets | $207,641,000 | 2,909 |
| Average equity | $18,741,500 | 3,352 |
| Average total loans | $181,400,000 | 2,430 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8089% | 726 |
| Cost of funding earning assets | 0.7631% | 1,383 |
| Net interest margin | 4.0458% | 886 |
| Noninterest income to average assets | 0.8732% | 1,341 |
| Noninterest expense to average assets | 2.7465% | 2,089 |
| Loan and lease loss provision to assets | 0.5427% | 408 |
| Net operating income to assets | 1.0612% | 2,062 |
| Return on assets (ROA) | 1.0612% | 2,200 |
| Pretax return on assets | 1.4002% | 1,654 |
| Return on Equity (ROE) | 12.7075% | 1,116 |
| Retained earnings to average equity (ytd only) | 9.5151% | 683 |
| Net charge-offs to loans | 0.4752% | 344 |
| Credit loss provision to net charge-offs | 132.6389% | 2,534 |
| Earnings coverage of net charge-offs (x) | 4.7488% | 2,942 |
| Efficiency ratio | 58.5681% | 3,652 |
| Assets per employee ($millions) | 6.4832% | 1,935 |
| Cash dividends to net income (ytd only)* | 25.1227% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,434 |
| Loan loss allowance to noncurrent loans | 896.4444% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 3,462 |
| Noncurrent loans to loans | 0.1233% | 3,791 |
| Net loans and leases to total assets | 81.8822% | 304 |
| Net loans and leases to deposits | 94.7390% | 618 |
| Net loans and leases to core deposits | 98.7796% | 970 |
| Total domestic deposits to total assets | 86.4293% | 2,178 |
| Equity capital to assets | 8.3999% | 4,517 |
| Core capital (leverage) ratio | 8.3247% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,177,600 | 2,851 |
| Average earning assets | $199,194,400 | 2,831 |
| Average equity | $17,635,200 | 3,407 |
| Average total loans | $181,802,800 | 2,398 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 570 |
| Cost of funding earning assets | 0.8340% | 1,341 |
| Net interest margin | 4.2045% | 725 |
| Noninterest income to average assets | 0.8490% | 1,353 |
| Noninterest expense to average assets | 2.8005% | 1,964 |
| Loan and lease loss provision to assets | 0.6612% | 352 |
| Net operating income to assets | 1.0239% | 2,239 |
| Return on assets (ROA) | 1.0239% | 2,377 |
| Pretax return on assets | 1.3552% | 1,864 |
| Return on Equity (ROE) | 12.2803% | 1,303 |
| Retained earnings to average equity (ytd only) | 9.0494% | 963 |
| Net charge-offs to loans | 0.5946% | 241 |
| Credit loss provision to net charge-offs | 127.9012% | 2,456 |
| Earnings coverage of net charge-offs (x) | 3.9000% | 2,869 |
| Efficiency ratio | 58.1368% | 3,646 |
| Assets per employee ($millions) | 6.8447% | 1,597 |
| Cash dividends to net income (ytd only)* | 26.3092% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,392 |
| Loan loss allowance to noncurrent loans | 1,647.0588% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 3,718 |
| Noncurrent loans to loans | 0.0646% | 4,109 |
| Net loans and leases to total assets | 80.6450% | 552 |
| Net loans and leases to deposits | 101.4859% | 470 |
| Net loans and leases to core deposits | 106.0421% | 845 |
| Total domestic deposits to total assets | 79.4642% | 3,968 |
| Equity capital to assets | 7.9775% | 4,717 |
| Core capital (leverage) ratio | 8.2301% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,864,500 | 2,856 |
| Average earning assets | $197,116,750 | 2,836 |
| Average equity | $17,415,000 | 3,430 |
| Average total loans | $181,626,000 | 2,400 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5342% | 322 |
| Cost of funding earning assets | 0.9130% | 1,313 |
| Net interest margin | 4.6213% | 400 |
| Noninterest income to average assets | 0.7727% | 1,513 |
| Noninterest expense to average assets | 2.8268% | 2,032 |
| Loan and lease loss provision to assets | 0.9311% | 233 |
| Net operating income to assets | 1.0217% | 2,247 |
| Return on assets (ROA) | 1.0217% | 2,376 |
| Pretax return on assets | 1.3790% | 1,775 |
| Return on Equity (ROE) | 12.0602% | 1,321 |
| Retained earnings to average equity (ytd only) | 8.7837% | 1,079 |
| Net charge-offs to loans | 0.8861% | 172 |
| Credit loss provision to net charge-offs | 118.1024% | 2,297 |
| Earnings coverage of net charge-offs (x) | 2.9301% | 2,724 |
| Efficiency ratio | 55.0297% | 4,058 |
| Assets per employee ($millions) | 6.7609% | 1,590 |
| Cash dividends to net income (ytd only)* | 27.1676% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 3,685 |
| Loan loss allowance to noncurrent loans | 1,772.6415% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 3,202 |
| Noncurrent loans to loans | 0.0550% | 4,260 |
| Net loans and leases to total assets | 85.5417% | 157 |
| Net loans and leases to deposits | 107.7341% | 276 |
| Net loans and leases to core deposits | 112.4995% | 648 |
| Total domestic deposits to total assets | 79.4007% | 3,956 |
| Equity capital to assets | 7.8876% | 4,768 |
| Core capital (leverage) ratio | 8.2311% | 4,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,194,667 | 2,878 |
| Average earning assets | $191,896,000 | 2,859 |
| Average equity | $17,213,667 | 3,446 |
| Average total loans | $180,796,000 | 2,395 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1127% | 773 |
| Cost of funding earning assets | 1.0151% | 1,361 |
| Net interest margin | 4.0976% | 1,138 |
| Noninterest income to average assets | 0.6810% | 1,723 |
| Noninterest expense to average assets | 2.9932% | 1,900 |
| Loan and lease loss provision to assets | 0.1035% | 2,387 |
| Net operating income to assets | 1.0309% | 2,074 |
| Return on assets (ROA) | 1.0309% | 2,172 |
| Pretax return on assets | 1.4449% | 1,445 |
| Return on Equity (ROE) | 11.7028% | 1,194 |
| Retained earnings to average equity (ytd only) | 8.3894% | 1,126 |
| Net charge-offs to loans | 0.0023% | 2,509 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 748.0000% | 79 |
| Efficiency ratio | 65.9070% | 2,977 |
| Assets per employee ($millions) | 5.9373% | 1,732 |
| Cash dividends to net income (ytd only)* | 28.3133% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,745 |
| Loan loss allowance to noncurrent loans | 175.1473% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 2,214 |
| Noncurrent loans to loans | 0.5679% | 2,578 |
| Net loans and leases to total assets | 90.5773% | 26 |
| Net loans and leases to deposits | 104.4107% | 351 |
| Net loans and leases to core deposits | 109.3988% | 881 |
| Total domestic deposits to total assets | 86.7510% | 1,668 |
| Equity capital to assets | 8.7837% | 4,700 |
| Core capital (leverage) ratio | 8.4702% | 4,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6581% | 3,367 |
| Memoranda: | ||
| Average total assets | $193,237,000 | 2,921 |
| Average earning assets | $182,056,000 | 2,904 |
| Average equity | $17,021,500 | 3,470 |
| Average total loans | $174,828,500 | 2,417 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0670% | 1,297 |
| Cost of funding earning assets | 1.1581% | 1,132 |
| Net interest margin | 3.9089% | 2,143 |
| Noninterest income to average assets | 0.6166% | 2,156 |
| Noninterest expense to average assets | 2.8357% | 2,488 |
| Loan and lease loss provision to assets | 0.8635% | 117 |
| Net operating income to assets | 0.4369% | 4,527 |
| Return on assets (ROA) | 0.4369% | 4,560 |
| Pretax return on assets | 0.5915% | 4,425 |
| Return on Equity (ROE) | 4.7884% | 4,272 |
| Retained earnings to average equity (ytd only) | 1.4126% | 4,238 |
| Net charge-offs to loans | 0.9930% | 162 |
| Credit loss provision to net charge-offs | 98.0161% | 2,536 |
| Earnings coverage of net charge-offs (x) | 1.6516% | 3,513 |
| Efficiency ratio | 66.0896% | 2,756 |
| Assets per employee ($millions) | 5.7740% | 1,810 |
| Cash dividends to net income (ytd only)* | 70.5000% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 3,398 |
| Loan loss allowance to noncurrent loans | 171.5134% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 2,069 |
| Noncurrent loans to loans | 0.5933% | 2,404 |
| Net loans and leases to total assets | 88.5212% | 76 |
| Net loans and leases to deposits | 103.4779% | 403 |
| Net loans and leases to core deposits | 109.1546% | 901 |
| Total domestic deposits to total assets | 85.5460% | 2,266 |
| Equity capital to assets | 8.8343% | 4,769 |
| Core capital (leverage) ratio | 8.6030% | 4,782 |
| Tier 1 risk-based capital ratio | 9.9648% | 5,125 |
| Total risk-based capital ratio | 11.0400% | 5,114 |
| Memoranda: | ||
| Average total assets | $183,093,400 | 2,979 |
| Average earning assets | $172,093,800 | 2,960 |
| Average equity | $16,707,200 | 3,468 |
| Average total loans | $162,429,000 | 2,482 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0629% | 1,383 |
| Cost of funding earning assets | 1.1781% | 1,086 |
| Net interest margin | 3.8848% | 2,313 |
| Noninterest income to average assets | 0.6709% | 1,912 |
| Noninterest expense to average assets | 2.9038% | 2,255 |
| Loan and lease loss provision to assets | 1.0940% | 82 |
| Net operating income to assets | 0.2362% | 4,916 |
| Return on assets (ROA) | 0.2362% | 4,928 |
| Pretax return on assets | 0.3266% | 4,878 |
| Return on Equity (ROE) | 2.5665% | 4,829 |
| Retained earnings to average equity (ytd only) | -0.8156% | 4,844 |
| Net charge-offs to loans | 1.2507% | 114 |
| Credit loss provision to net charge-offs | 98.8040% | 2,297 |
| Earnings coverage of net charge-offs (x) | 1.2831% | 3,313 |
| Efficiency ratio | 67.1487% | 2,558 |
| Assets per employee ($millions) | 5.7164% | 1,839 |
| Cash dividends to net income (ytd only)* | 131.7764% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 3,213 |
| Loan loss allowance to noncurrent loans | 136.4559% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 1,950 |
| Noncurrent loans to loans | 0.7794% | 2,016 |
| Net loans and leases to total assets | 88.8883% | 70 |
| Net loans and leases to deposits | 105.3921% | 341 |
| Net loans and leases to core deposits | 111.4692% | 872 |
| Total domestic deposits to total assets | 84.3406% | 2,696 |
| Equity capital to assets | 9.0195% | 4,769 |
| Core capital (leverage) ratio | 8.6583% | 4,859 |
| Tier 1 risk-based capital ratio | 10.1782% | 5,157 |
| Total risk-based capital ratio | 11.3092% | 5,119 |
| Memoranda: | ||
| Average total assets | $181,231,250 | 3,029 |
| Average earning assets | $170,439,250 | 3,004 |
| Average equity | $16,675,750 | 3,501 |
| Average total loans | $160,435,250 | 2,531 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0113% | 1,455 |
| Cost of funding earning assets | 1.2026% | 988 |
| Net interest margin | 3.8087% | 2,559 |
| Noninterest income to average assets | 0.6310% | 2,020 |
| Noninterest expense to average assets | 2.9181% | 2,234 |
| Loan and lease loss provision to assets | 0.1461% | 1,262 |
| Net operating income to assets | 0.8601% | 3,429 |
| Return on assets (ROA) | 0.8601% | 3,492 |
| Pretax return on assets | 1.1568% | 3,051 |
| Return on Equity (ROE) | 9.2861% | 2,736 |
| Retained earnings to average equity (ytd only) | 5.9159% | 2,324 |
| Net charge-offs to loans | 0.0151% | 2,596 |
| Credit loss provision to net charge-offs | 1,100.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 98.0833% | 707 |
| Efficiency ratio | 69.1319% | 2,362 |
| Assets per employee ($millions) | 5.3336% | 2,113 |
| Cash dividends to net income (ytd only)* | 36.2934% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 2,735 |
| Loan loss allowance to noncurrent loans | 271.3669% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 2,971 |
| Noncurrent loans to loans | 0.4277% | 2,997 |
| Net loans and leases to total assets | 88.5626% | 91 |
| Net loans and leases to deposits | 106.3688% | 326 |
| Net loans and leases to core deposits | 110.8800% | 930 |
| Total domestic deposits to total assets | 83.2600% | 3,127 |
| Equity capital to assets | 9.4274% | 4,475 |
| Core capital (leverage) ratio | 8.9475% | 4,673 |
| Tier 1 risk-based capital ratio | 10.9156% | 4,954 |
| Total risk-based capital ratio | 12.1657% | 4,864 |
| Memoranda: | ||
| Average total assets | $180,666,670 | 3,047 |
| Average earning assets | $170,294,330 | 3,015 |
| Average equity | $16,734,670 | 3,492 |
| Average total loans | $159,131,330 | 2,547 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8834% | 1,640 |
| Cost of funding earning assets | 1.1762% | 969 |
| Net interest margin | 3.7073% | 2,870 |
| Noninterest income to average assets | 0.4836% | 2,657 |
| Noninterest expense to average assets | 2.8615% | 2,384 |
| Loan and lease loss provision to assets | 0.1464% | 1,157 |
| Net operating income to assets | 0.6987% | 3,937 |
| Return on assets (ROA) | 0.6987% | 3,979 |
| Pretax return on assets | 0.9716% | 3,535 |
| Return on Equity (ROE) | 7.6115% | 3,418 |
| Retained earnings to average equity (ytd only) | 4.2044% | 3,236 |
| Net charge-offs to loans | 0.0254% | 1,944 |
| Credit loss provision to net charge-offs | 660.0000% | 505 |
| Earnings coverage of net charge-offs (x) | 50.4000% | 1,019 |
| Efficiency ratio | 71.9064% | 2,052 |
| Assets per employee ($millions) | 5.6929% | 1,800 |
| Cash dividends to net income (ytd only)* | 44.7619% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 2,831 |
| Loan loss allowance to noncurrent loans | 280.7396% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 3,179 |
| Noncurrent loans to loans | 0.4105% | 3,114 |
| Net loans and leases to total assets | 85.7751% | 206 |
| Net loans and leases to deposits | 98.8287% | 716 |
| Net loans and leases to core deposits | 102.4629% | 1,415 |
| Total domestic deposits to total assets | 86.7917% | 1,916 |
| Equity capital to assets | 9.2055% | 4,531 |
| Core capital (leverage) ratio | 9.0245% | 4,636 |
| Tier 1 risk-based capital ratio | 10.8511% | 5,045 |
| Total risk-based capital ratio | 12.0862% | 4,953 |
| Memoranda: | ||
| Average total assets | $180,328,000 | 3,084 |
| Average earning assets | $170,045,000 | 3,054 |
| Average equity | $16,554,000 | 3,526 |
| Average total loans | $157,452,500 | 2,597 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 1,657 |
| Cost of funding earning assets | 0.7331% | 1,879 |
| Net interest margin | 4.0228% | 1,913 |
| Noninterest income to average assets | 0.6846% | 1,912 |
| Noninterest expense to average assets | 3.0791% | 1,852 |
| Loan and lease loss provision to assets | 0.1475% | 1,447 |
| Net operating income to assets | 0.9267% | 3,339 |
| Return on assets (ROA) | 0.9267% | 3,330 |
| Pretax return on assets | 1.2275% | 2,785 |
| Return on Equity (ROE) | 10.1208% | 2,468 |
| Retained earnings to average equity (ytd only) | 5.9621% | 2,213 |
| Net charge-offs to loans | 0.0194% | 3,053 |
| Credit loss provision to net charge-offs | 896.4286% | 403 |
| Earnings coverage of net charge-offs (x) | 83.5714% | 842 |
| Efficiency ratio | 69.1293% | 2,360 |
| Assets per employee ($millions) | 5.5807% | 1,885 |
| Cash dividends to net income (ytd only)* | 41.0907% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,307 |
| Loan loss allowance to noncurrent loans | 250.3003% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 3,059 |
| Noncurrent loans to loans | 0.4247% | 3,016 |
| Net loans and leases to total assets | 86.8828% | 180 |
| Net loans and leases to deposits | 100.0806% | 742 |
| Net loans and leases to core deposits | 102.2519% | 1,559 |
| Total domestic deposits to total assets | 86.8128% | 1,869 |
| Equity capital to assets | 9.1907% | 4,414 |
| Core capital (leverage) ratio | 8.7511% | 4,845 |
| Tier 1 risk-based capital ratio | 10.7975% | 5,070 |
| Total risk-based capital ratio | 11.9470% | 5,003 |
| Memoranda: | ||
| Average total assets | $170,182,000 | 3,165 |
| Average earning assets | $159,465,000 | 3,147 |
| Average equity | $15,581,800 | 3,560 |
| Average total loans | $144,692,800 | 2,713 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 1,719 |
| Cost of funding earning assets | 0.6264% | 2,293 |
| Net interest margin | 4.0595% | 1,761 |
| Noninterest income to average assets | 0.5965% | 2,327 |
| Noninterest expense to average assets | 3.0357% | 1,915 |
| Loan and lease loss provision to assets | 0.1491% | 1,324 |
| Net operating income to assets | 0.9162% | 3,453 |
| Return on assets (ROA) | 0.9162% | 3,460 |
| Pretax return on assets | 1.2105% | 2,953 |
| Return on Equity (ROE) | 10.0167% | 2,618 |
| Retained earnings to average equity (ytd only) | 5.6111% | 2,880 |
| Net charge-offs to loans | 0.0113% | 3,012 |
| Credit loss provision to net charge-offs | 1,566.6667% | 261 |
| Earnings coverage of net charge-offs (x) | 142.8300% | 569 |
| Efficiency ratio | 69.0670% | 2,348 |
| Assets per employee ($millions) | 5.4635% | 1,946 |
| Cash dividends to net income (ytd only)* | 43.9830% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,266 |
| Loan loss allowance to noncurrent loans | 10,793.3333% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,971 |
| Noncurrent loans to loans | 0.0101% | 4,881 |
| Net loans and leases to total assets | 84.2820% | 424 |
| Net loans and leases to deposits | 96.5603% | 1,085 |
| Net loans and leases to core deposits | 98.8780% | 1,877 |
| Total domestic deposits to total assets | 87.2843% | 1,606 |
| Equity capital to assets | 9.2249% | 4,349 |
| Core capital (leverage) ratio | 8.5813% | 5,048 |
| Tier 1 risk-based capital ratio | 10.9860% | 5,042 |
| Total risk-based capital ratio | 12.1426% | 4,991 |
| Memoranda: | ||
| Average total assets | $168,082,000 | 3,215 |
| Average earning assets | $157,288,750 | 3,194 |
| Average equity | $15,374,000 | 3,612 |
| Average total loans | $141,660,000 | 2,765 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 1,954 |
| Cost of funding earning assets | 0.5427% | 2,669 |
| Net interest margin | 3.9997% | 1,867 |
| Noninterest income to average assets | 0.6440% | 2,120 |
| Noninterest expense to average assets | 3.1128% | 1,752 |
| Loan and lease loss provision to assets | 0.1508% | 1,255 |
| Net operating income to assets | 0.8503% | 3,677 |
| Return on assets (ROA) | 0.8503% | 3,676 |
| Pretax return on assets | 1.1313% | 3,190 |
| Return on Equity (ROE) | 9.3238% | 2,881 |
| Retained earnings to average equity (ytd only) | 5.9910% | 2,567 |
| Net charge-offs to loans | 0.0158% | 2,611 |
| Credit loss provision to net charge-offs | 1,136.3636% | 369 |
| Earnings coverage of net charge-offs (x) | 96.6364% | 712 |
| Efficiency ratio | 70.8288% | 2,188 |
| Assets per employee ($millions) | 5.3242% | 2,077 |
| Cash dividends to net income (ytd only)* | 35.7447% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 3,447 |
| Loan loss allowance to noncurrent loans | 10,380.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 5,005 |
| Noncurrent loans to loans | 0.0103% | 4,905 |
| Net loans and leases to total assets | 84.6625% | 388 |
| Net loans and leases to deposits | 98.1792% | 954 |
| Net loans and leases to core deposits | 100.4142% | 1,700 |
| Total domestic deposits to total assets | 86.2326% | 2,174 |
| Equity capital to assets | 9.2086% | 4,373 |
| Core capital (leverage) ratio | 8.8932% | 4,796 |
| Tier 1 risk-based capital ratio | 11.1093% | 4,998 |
| Total risk-based capital ratio | 12.2674% | 4,947 |
| Memoranda: | ||
| Average total assets | $165,832,330 | 3,255 |
| Average earning assets | $155,513,000 | 3,227 |
| Average equity | $15,122,670 | 3,663 |
| Average total loans | $139,223,330 | 2,805 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 2,011 |
| Cost of funding earning assets | 0.5287% | 2,549 |
| Net interest margin | 3.9263% | 1,943 |
| Noninterest income to average assets | 0.5845% | 2,339 |
| Noninterest expense to average assets | 2.9885% | 2,092 |
| Loan and lease loss provision to assets | 0.1516% | 1,194 |
| Net operating income to assets | 0.8021% | 3,691 |
| Return on assets (ROA) | 0.8021% | 3,703 |
| Pretax return on assets | 1.1127% | 3,125 |
| Return on Equity (ROE) | 8.8413% | 2,988 |
| Retained earnings to average equity (ytd only) | 5.4449% | 2,979 |
| Net charge-offs to loans | 0.0147% | 2,237 |
| Credit loss provision to net charge-offs | 1,240.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 103.4000% | 601 |
| Efficiency ratio | 70.2703% | 2,446 |
| Assets per employee ($millions) | 4.7378% | 2,808 |
| Cash dividends to net income (ytd only)* | 38.4146% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 3,346 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 4,522 |
| Noncurrent loans to loans | 0.0110% | 4,961 |
| Net loans and leases to total assets | 80.9671% | 799 |
| Net loans and leases to deposits | 92.3709% | 1,409 |
| Net loans and leases to core deposits | 94.1601% | 2,122 |
| Total domestic deposits to total assets | 87.6543% | 1,815 |
| Equity capital to assets | 9.0078% | 4,546 |
| Core capital (leverage) ratio | 8.2757% | 5,275 |
| Tier 1 risk-based capital ratio | 11.1120% | 5,080 |
| Total risk-based capital ratio | 12.2872% | 5,013 |
| Memoranda: | ||
| Average total assets | $163,562,000 | 3,320 |
| Average earning assets | $152,815,000 | 3,288 |
| Average equity | $14,839,500 | 3,727 |
| Average total loans | $135,935,500 | 2,863 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3302% | 2,234 |
| Cost of funding earning assets | 0.3995% | 3,261 |
| Net interest margin | 3.9307% | 1,988 |
| Noninterest income to average assets | 0.6805% | 2,050 |
| Noninterest expense to average assets | 3.0224% | 2,098 |
| Loan and lease loss provision to assets | 0.1626% | 1,373 |
| Net operating income to assets | 0.7108% | 3,553 |
| Return on assets (ROA) | 0.7108% | 3,607 |
| Pretax return on assets | 1.1770% | 2,863 |
| Return on Equity (ROE) | 7.7822% | 2,896 |
| Retained earnings to average equity (ytd only) | 5.9286% | 1,582 |
| Net charge-offs to loans | 0.0449% | 2,887 |
| Credit loss provision to net charge-offs | 424.5614% | 728 |
| Earnings coverage of net charge-offs (x) | 34.9825% | 1,376 |
| Efficiency ratio | 69.2900% | 2,653 |
| Assets per employee ($millions) | 5.5621% | 1,877 |
| Cash dividends to net income (ytd only)* | 23.8185% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 3,559 |
| Loan loss allowance to noncurrent loans | 6,273.9130% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 4,518 |
| Noncurrent loans to loans | 0.0169% | 4,951 |
| Net loans and leases to total assets | 83.4874% | 499 |
| Net loans and leases to deposits | 97.0636% | 986 |
| Net loans and leases to core deposits | 98.0152% | 1,861 |
| Total domestic deposits to total assets | 86.0131% | 2,428 |
| Equity capital to assets | 9.1394% | 4,586 |
| Core capital (leverage) ratio | 9.0746% | 4,556 |
| Tier 1 risk-based capital ratio | 11.2785% | 5,000 |
| Total risk-based capital ratio | 12.4425% | 4,918 |
| Memoranda: | ||
| Average total assets | $148,854,400 | 3,486 |
| Average earning assets | $139,416,000 | 3,463 |
| Average equity | $13,595,200 | 3,901 |
| Average total loans | $126,848,600 | 2,966 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 2,240 |
| Cost of funding earning assets | 0.3841% | 3,345 |
| Net interest margin | 3.9250% | 1,948 |
| Noninterest income to average assets | 0.5937% | 2,510 |
| Noninterest expense to average assets | 2.9732% | 2,183 |
| Loan and lease loss provision to assets | 0.1656% | 1,222 |
| Net operating income to assets | 0.7099% | 3,926 |
| Return on assets (ROA) | 0.7099% | 3,990 |
| Pretax return on assets | 1.1289% | 3,189 |
| Return on Equity (ROE) | 7.7743% | 3,248 |
| Retained earnings to average equity (ytd only) | 6.5120% | 1,954 |
| Net charge-offs to loans | 0.0407% | 2,626 |
| Credit loss provision to net charge-offs | 476.3158% | 672 |
| Earnings coverage of net charge-offs (x) | 37.2335% | 1,371 |
| Efficiency ratio | 69.6677% | 2,587 |
| Assets per employee ($millions) | 5.3519% | 2,065 |
| Cash dividends to net income (ytd only)* | 16.2375% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 3,788 |
| Loan loss allowance to noncurrent loans | 3,786.4865% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 4,550 |
| Noncurrent loans to loans | 0.0277% | 5,000 |
| Net loans and leases to total assets | 88.0691% | 152 |
| Net loans and leases to deposits | 106.4907% | 391 |
| Net loans and leases to core deposits | 108.1000% | 1,132 |
| Total domestic deposits to total assets | 82.7012% | 3,547 |
| Equity capital to assets | 9.4105% | 4,533 |
| Core capital (leverage) ratio | 8.9230% | 4,833 |
| Tier 1 risk-based capital ratio | 11.0118% | 5,239 |
| Total risk-based capital ratio | 12.1695% | 5,179 |
| Memoranda: | ||
| Average total assets | $145,742,750 | 3,556 |
| Average earning assets | $136,420,000 | 3,531 |
| Average equity | $13,308,500 | 3,983 |
| Average total loans | $124,533,500 | 3,021 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 2,449 |
| Cost of funding earning assets | 0.3566% | 3,512 |
| Net interest margin | 3.8500% | 2,095 |
| Noninterest income to average assets | 0.7037% | 1,970 |
| Noninterest expense to average assets | 3.0172% | 2,066 |
| Loan and lease loss provision to assets | 0.1690% | 1,162 |
| Net operating income to assets | 0.7079% | 3,811 |
| Return on assets (ROA) | 0.7079% | 3,875 |
| Pretax return on assets | 1.1221% | 3,081 |
| Return on Equity (ROE) | 7.8350% | 3,133 |
| Retained earnings to average equity (ytd only) | 7.8350% | 1,228 |
| Net charge-offs to loans | 0.0642% | 2,016 |
| Credit loss provision to net charge-offs | 312.8205% | 933 |
| Earnings coverage of net charge-offs (x) | 23.8974% | 1,658 |
| Efficiency ratio | 70.0322% | 2,666 |
| Assets per employee ($millions) | 5.0712% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,914 |
| Loan loss allowance to noncurrent loans | 1,577.6471% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 4,483 |
| Noncurrent loans to loans | 0.0658% | 4,862 |
| Net loans and leases to total assets | 86.9547% | 207 |
| Net loans and leases to deposits | 104.0758% | 492 |
| Net loans and leases to core deposits | 108.0470% | 1,104 |
| Total domestic deposits to total assets | 83.5493% | 3,384 |
| Equity capital to assets | 9.4979% | 4,403 |
| Core capital (leverage) ratio | 9.0651% | 4,650 |
| Tier 1 risk-based capital ratio | 11.3675% | 5,041 |
| Total risk-based capital ratio | 12.5220% | 4,989 |
| Memoranda: | ||
| Average total assets | $144,372,330 | 3,589 |
| Average earning assets | $135,168,330 | 3,570 |
| Average equity | $13,044,000 | 4,032 |
| Average total loans | $121,586,000 | 3,068 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 2,746 |
| Cost of funding earning assets | 0.3481% | 3,554 |
| Net interest margin | 3.7274% | 2,388 |
| Noninterest income to average assets | 0.6740% | 2,065 |
| Noninterest expense to average assets | 2.8330% | 2,674 |
| Loan and lease loss provision to assets | 0.1678% | 1,063 |
| Net operating income to assets | 0.6992% | 3,708 |
| Return on assets (ROA) | 0.6992% | 3,746 |
| Pretax return on assets | 1.1466% | 2,783 |
| Return on Equity (ROE) | 7.9479% | 2,948 |
| Retained earnings to average equity (ytd only) | 7.9479% | 1,481 |
| Net charge-offs to loans | 0.1291% | 1,147 |
| Credit loss provision to net charge-offs | 157.8947% | 1,173 |
| Earnings coverage of net charge-offs (x) | 12.3684% | 1,842 |
| Efficiency ratio | 68.3075% | 3,148 |
| Assets per employee ($millions) | 5.4744% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 3,811 |
| Loan loss allowance to noncurrent loans | 1,505.8824% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 4,443 |
| Noncurrent loans to loans | 0.0719% | 4,911 |
| Net loans and leases to total assets | 79.1446% | 959 |
| Net loans and leases to deposits | 93.5497% | 1,159 |
| Net loans and leases to core deposits | 96.0783% | 1,814 |
| Total domestic deposits to total assets | 84.6016% | 3,261 |
| Equity capital to assets | 8.5970% | 5,160 |
| Core capital (leverage) ratio | 8.4038% | 5,302 |
| Tier 1 risk-based capital ratio | 11.3137% | 5,133 |
| Total risk-based capital ratio | 12.5297% | 5,057 |
| Memoranda: | ||
| Average total assets | $143,026,500 | 3,649 |
| Average earning assets | $133,283,500 | 3,639 |
| Average equity | $12,582,000 | 4,124 |
| Average total loans | $117,769,000 | 3,144 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1297% | 2,737 |
| Cost of funding earning assets | 0.2582% | 4,488 |
| Net interest margin | 3.8715% | 2,059 |
| Noninterest income to average assets | 0.8852% | 1,464 |
| Noninterest expense to average assets | 3.0301% | 2,259 |
| Loan and lease loss provision to assets | 0.0923% | 2,514 |
| Net operating income to assets | 0.8875% | 2,890 |
| Return on assets (ROA) | 0.8875% | 3,005 |
| Pretax return on assets | 1.3951% | 1,959 |
| Return on Equity (ROE) | 9.8612% | 2,021 |
| Retained earnings to average equity (ytd only) | 9.8612% | 429 |
| Net charge-offs to loans | -0.0273% | 5,209 |
| Credit loss provision to net charge-offs | -413.7931% | 5,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0752% | 3,426 |
| Assets per employee ($millions) | 5.7602% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,872 |
| Loan loss allowance to noncurrent loans | 491.4063% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 3,933 |
| Noncurrent loans to loans | 0.2183% | 4,370 |
| Net loans and leases to total assets | 83.9220% | 390 |
| Net loans and leases to deposits | 99.5239% | 697 |
| Net loans and leases to core deposits | 102.8729% | 1,371 |
| Total domestic deposits to total assets | 84.3235% | 3,304 |
| Equity capital to assets | 9.0108% | 4,812 |
| Core capital (leverage) ratio | 8.5487% | 5,214 |
| Tier 1 risk-based capital ratio | 11.4446% | 5,089 |
| Total risk-based capital ratio | 12.6777% | 5,001 |
| Memoranda: | ||
| Average total assets | $130,027,400 | 3,827 |
| Average earning assets | $121,994,800 | 3,790 |
| Average equity | $11,702,400 | 4,296 |
| Average total loans | $106,062,400 | 3,271 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 2,814 |
| Cost of funding earning assets | 0.2422% | 4,677 |
| Net interest margin | 3.8742% | 2,070 |
| Noninterest income to average assets | 0.8752% | 1,490 |
| Noninterest expense to average assets | 3.0547% | 2,144 |
| Loan and lease loss provision to assets | 0.0875% | 2,480 |
| Net operating income to assets | 0.8345% | 3,221 |
| Return on assets (ROA) | 0.8345% | 3,344 |
| Pretax return on assets | 1.3659% | 2,173 |
| Return on Equity (ROE) | 9.2756% | 2,367 |
| Retained earnings to average equity (ytd only) | 9.2756% | 738 |
| Net charge-offs to loans | -0.0400% | 5,287 |
| Credit loss provision to net charge-offs | -270.9677% | 4,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7606% | 3,271 |
| Assets per employee ($millions) | 5.3589% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,854 |
| Loan loss allowance to noncurrent loans | 476.2646% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 3,920 |
| Noncurrent loans to loans | 0.2301% | 4,446 |
| Net loans and leases to total assets | 82.4419% | 559 |
| Net loans and leases to deposits | 98.0688% | 845 |
| Net loans and leases to core deposits | 102.3339% | 1,462 |
| Total domestic deposits to total assets | 84.0653% | 3,196 |
| Equity capital to assets | 9.0437% | 5,134 |
| Core capital (leverage) ratio | 8.5975% | 5,264 |
| Tier 1 risk-based capital ratio | 11.6117% | 5,027 |
| Total risk-based capital ratio | 12.8617% | 4,936 |
| Memoranda: | ||
| Average total assets | $127,973,000 | 3,885 |
| Average earning assets | $120,005,250 | 3,848 |
| Average equity | $11,513,750 | 4,374 |
| Average total loans | $103,259,000 | 3,335 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1145% | 2,803 |
| Cost of funding earning assets | 0.2207% | 4,930 |
| Net interest margin | 3.8938% | 1,997 |
| Noninterest income to average assets | 0.7700% | 1,847 |
| Noninterest expense to average assets | 2.9943% | 2,367 |
| Loan and lease loss provision to assets | 0.1143% | 1,976 |
| Net operating income to assets | 0.7938% | 3,335 |
| Return on assets (ROA) | 0.7938% | 3,479 |
| Pretax return on assets | 1.3035% | 2,395 |
| Return on Equity (ROE) | 8.8394% | 2,568 |
| Retained earnings to average equity (ytd only) | 8.8394% | 892 |
| Net charge-offs to loans | 0.0020% | 3,641 |
| Credit loss provision to net charge-offs | 7,200.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 893.0000% | 55 |
| Efficiency ratio | 67.8661% | 3,372 |
| Assets per employee ($millions) | 5.0730% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 3,738 |
| Loan loss allowance to noncurrent loans | 395.9732% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 3,789 |
| Noncurrent loans to loans | 0.2870% | 4,347 |
| Net loans and leases to total assets | 80.9432% | 764 |
| Net loans and leases to deposits | 96.1190% | 1,070 |
| Net loans and leases to core deposits | 99.3670% | 1,683 |
| Total domestic deposits to total assets | 84.2114% | 3,190 |
| Equity capital to assets | 9.1219% | 5,143 |
| Core capital (leverage) ratio | 8.6123% | 5,254 |
| Tier 1 risk-based capital ratio | 11.3492% | 5,248 |
| Total risk-based capital ratio | 12.5923% | 5,150 |
| Memoranda: | ||
| Average total assets | $125,973,330 | 3,944 |
| Average earning assets | $117,827,330 | 3,919 |
| Average equity | $11,313,000 | 4,438 |
| Average total loans | $100,454,330 | 3,400 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1004% | 2,842 |
| Cost of funding earning assets | 0.2174% | 5,032 |
| Net interest margin | 3.8830% | 1,984 |
| Noninterest income to average assets | 0.6308% | 2,362 |
| Noninterest expense to average assets | 2.8961% | 2,718 |
| Loan and lease loss provision to assets | 0.1147% | 1,826 |
| Net operating income to assets | 0.7647% | 3,417 |
| Return on assets (ROA) | 0.7647% | 3,526 |
| Pretax return on assets | 1.2617% | 2,465 |
| Return on Equity (ROE) | 8.5829% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.5829% | 1,233 |
| Net charge-offs to loans | 0.0041% | 2,983 |
| Credit loss provision to net charge-offs | 3,600.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 432.0000% | 135 |
| Efficiency ratio | 67.7852% | 3,500 |
| Assets per employee ($millions) | 5.3776% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 3,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 4,540 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 77.8858% | 1,122 |
| Net loans and leases to deposits | 92.9270% | 1,233 |
| Net loans and leases to core deposits | 96.0233% | 1,791 |
| Total domestic deposits to total assets | 83.8140% | 3,593 |
| Equity capital to assets | 8.7609% | 5,374 |
| Core capital (leverage) ratio | 8.5728% | 5,320 |
| Tier 1 risk-based capital ratio | 11.3475% | 5,313 |
| Total risk-based capital ratio | 12.5824% | 5,229 |
| Memoranda: | ||
| Average total assets | $125,547,000 | 3,985 |
| Average earning assets | $117,744,000 | 3,945 |
| Average equity | $11,185,000 | 4,471 |
| Average total loans | $98,763,000 | 3,445 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1371% | 2,782 |
| Cost of funding earning assets | 0.2282% | 5,024 |
| Net interest margin | 3.9089% | 1,997 |
| Noninterest income to average assets | 0.5994% | 2,718 |
| Noninterest expense to average assets | 3.2584% | 1,816 |
| Loan and lease loss provision to assets | 0.1485% | 1,586 |
| Net operating income to assets | 0.5334% | 4,570 |
| Return on assets (ROA) | 0.5334% | 4,651 |
| Pretax return on assets | 0.8522% | 4,013 |
| Return on Equity (ROE) | 5.6939% | 4,189 |
| Retained earnings to average equity (ytd only) | 4.4884% | 2,789 |
| Net charge-offs to loans | 0.0440% | 3,334 |
| Credit loss provision to net charge-offs | 427.5000% | 719 |
| Earnings coverage of net charge-offs (x) | 28.8000% | 1,496 |
| Efficiency ratio | 76.5042% | 2,192 |
| Assets per employee ($millions) | 5.5469% | 1,740 |
| Cash dividends to net income (ytd only)* | 21.1726% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 3,719 |
| Loan loss allowance to noncurrent loans | 254.3578% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 3,147 |
| Noncurrent loans to loans | 0.4548% | 3,839 |
| Net loans and leases to total assets | 77.6452% | 1,174 |
| Net loans and leases to deposits | 91.0954% | 1,495 |
| Net loans and leases to core deposits | 94.7264% | 1,971 |
| Total domestic deposits to total assets | 85.2350% | 2,981 |
| Equity capital to assets | 9.0657% | 5,060 |
| Core capital (leverage) ratio | 8.4867% | 5,451 |
| Tier 1 risk-based capital ratio | 11.2596% | 5,394 |
| Total risk-based capital ratio | 12.4752% | 5,307 |
| Memoranda: | ||
| Average total assets | $115,116,600 | 4,158 |
| Average earning assets | $107,780,800 | 4,098 |
| Average equity | $10,783,400 | 4,528 |
| Average total loans | $90,986,200 | 3,567 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 2,958 |
| Cost of funding earning assets | 0.2359% | 5,031 |
| Net interest margin | 3.8608% | 2,156 |
| Noninterest income to average assets | 0.4950% | 3,404 |
| Noninterest expense to average assets | 3.2360% | 1,864 |
| Loan and lease loss provision to assets | 0.1141% | 1,980 |
| Net operating income to assets | 0.5009% | 4,784 |
| Return on assets (ROA) | 0.5009% | 4,872 |
| Pretax return on assets | 0.7632% | 4,454 |
| Return on Equity (ROE) | 5.3016% | 4,490 |
| Retained earnings to average equity (ytd only) | 3.6838% | 3,847 |
| Net charge-offs to loans | 0.0045% | 4,019 |
| Credit loss provision to net charge-offs | 3,233.3333% | 113 |
| Earnings coverage of net charge-offs (x) | 248.6600% | 280 |
| Efficiency ratio | 78.6735% | 1,863 |
| Assets per employee ($millions) | 5.1272% | 2,146 |
| Cash dividends to net income (ytd only)* | 30.5164% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 3,975 |
| Loan loss allowance to noncurrent loans | 3,152.9412% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 4,248 |
| Noncurrent loans to loans | 0.0363% | 5,475 |
| Net loans and leases to total assets | 75.2944% | 1,495 |
| Net loans and leases to deposits | 88.6503% | 1,812 |
| Net loans and leases to core deposits | 90.6602% | 2,393 |
| Total domestic deposits to total assets | 84.9341% | 3,040 |
| Equity capital to assets | 8.8498% | 5,441 |
| Core capital (leverage) ratio | 8.3745% | 5,649 |
| Tier 1 risk-based capital ratio | 11.3696% | 5,448 |
| Total risk-based capital ratio | 12.5782% | 5,381 |
| Memoranda: | ||
| Average total assets | $113,387,750 | 4,236 |
| Average earning assets | $106,263,000 | 4,177 |
| Average equity | $10,713,500 | 4,584 |
| Average total loans | $89,767,500 | 3,630 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 2,748 |
| Cost of funding earning assets | 0.2363% | 5,086 |
| Net interest margin | 3.9048% | 1,960 |
| Noninterest income to average assets | 0.8387% | 1,636 |
| Noninterest expense to average assets | 3.4911% | 1,317 |
| Loan and lease loss provision to assets | 0.1180% | 1,879 |
| Net operating income to assets | 0.5501% | 4,562 |
| Return on assets (ROA) | 0.5501% | 4,667 |
| Pretax return on assets | 0.8896% | 3,992 |
| Return on Equity (ROE) | 5.6876% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.2474% | 3,980 |
| Net charge-offs to loans | 0.0045% | 3,744 |
| Credit loss provision to net charge-offs | 3,250.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 277.5000% | 247 |
| Efficiency ratio | 77.6029% | 2,122 |
| Assets per employee ($millions) | 4.8686% | 2,436 |
| Cash dividends to net income (ytd only)* | 42.9043% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 4,186 |
| Loan loss allowance to noncurrent loans | 542.1875% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 3,177 |
| Noncurrent loans to loans | 0.2082% | 4,937 |
| Net loans and leases to total assets | 78.0234% | 1,065 |
| Net loans and leases to deposits | 91.1671% | 1,461 |
| Net loans and leases to core deposits | 93.3840% | 2,017 |
| Total domestic deposits to total assets | 85.5829% | 2,883 |
| Equity capital to assets | 9.2138% | 5,001 |
| Core capital (leverage) ratio | 8.7246% | 5,296 |
| Tier 1 risk-based capital ratio | 11.6397% | 5,379 |
| Total risk-based capital ratio | 12.8561% | 5,316 |
| Memoranda: | ||
| Average total assets | $110,166,000 | 4,339 |
| Average earning assets | $103,257,330 | 4,294 |
| Average equity | $10,654,670 | 4,628 |
| Average total loans | $88,448,670 | 3,678 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 2,106 |
| Cost of funding earning assets | 0.2425% | 5,100 |
| Net interest margin | 4.0556% | 1,399 |
| Noninterest income to average assets | 0.7526% | 1,900 |
| Noninterest expense to average assets | 3.6209% | 1,114 |
| Loan and lease loss provision to assets | 0.1198% | 1,729 |
| Net operating income to assets | 0.5092% | 4,633 |
| Return on assets (ROA) | 0.5092% | 4,753 |
| Pretax return on assets | 0.8313% | 4,124 |
| Return on Equity (ROE) | 5.1326% | 4,462 |
| Retained earnings to average equity (ytd only) | 0.2264% | 5,291 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1974% | 2,002 |
| Assets per employee ($millions) | 4.5858% | 2,916 |
| Cash dividends to net income (ytd only)* | 95.5882% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 4,135 |
| Loan loss allowance to noncurrent loans | 3,884.6154% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.6951% | 3,405 |
| Noncurrent loans to loans | 0.0302% | 5,679 |
| Net loans and leases to total assets | 77.3932% | 1,011 |
| Net loans and leases to deposits | 91.7126% | 1,224 |
| Net loans and leases to core deposits | 94.3780% | 1,734 |
| Total domestic deposits to total assets | 84.3867% | 3,658 |
| Equity capital to assets | 9.6366% | 4,591 |
| Core capital (leverage) ratio | 8.8925% | 5,083 |
| Tier 1 risk-based capital ratio | 12.3698% | 4,995 |
| Total risk-based capital ratio | 13.6201% | 4,908 |
| Memoranda: | ||
| Average total assets | $106,825,500 | 4,441 |
| Average earning assets | $100,601,500 | 4,385 |
| Average equity | $10,599,000 | 4,678 |
| Average total loans | $86,568,500 | 3,740 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1465% | 3,140 |
| Cost of funding earning assets | 0.2673% | 5,130 |
| Net interest margin | 3.8791% | 2,318 |
| Noninterest income to average assets | 0.5275% | 3,309 |
| Noninterest expense to average assets | 2.9518% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7273% | 3,758 |
| Return on assets (ROA) | 0.7273% | 3,862 |
| Pretax return on assets | 1.1918% | 2,685 |
| Return on Equity (ROE) | 7.3502% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.3502% | 1,250 |
| Net charge-offs to loans | 0.0692% | 3,489 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 22.7593% | 1,614 |
| Efficiency ratio | 71.2380% | 3,335 |
| Assets per employee ($millions) | 4.5040% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 4,422 |
| Loan loss allowance to noncurrent loans | 370.4545% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 2,530 |
| Noncurrent loans to loans | 0.3036% | 4,759 |
| Net loans and leases to total assets | 82.9898% | 432 |
| Net loans and leases to deposits | 96.8229% | 844 |
| Net loans and leases to core deposits | 99.4827% | 1,427 |
| Total domestic deposits to total assets | 85.7130% | 2,977 |
| Equity capital to assets | 10.2248% | 3,827 |
| Core capital (leverage) ratio | 9.0049% | 4,997 |
| Tier 1 risk-based capital ratio | 12.0945% | 5,300 |
| Total risk-based capital ratio | 13.3035% | 5,231 |
| Memoranda: | ||
| Average total assets | $103,122,600 | 4,525 |
| Average earning assets | $96,130,000 | 4,504 |
| Average equity | $10,203,800 | 4,709 |
| Average total loans | $78,065,600 | 3,931 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 3,468 |
| Cost of funding earning assets | 0.2695% | 5,207 |
| Net interest margin | 3.8077% | 2,594 |
| Noninterest income to average assets | 0.6355% | 2,647 |
| Noninterest expense to average assets | 3.0561% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6873% | 4,009 |
| Return on assets (ROA) | 0.6873% | 4,097 |
| Pretax return on assets | 1.1274% | 3,078 |
| Return on Equity (ROE) | 7.0050% | 3,709 |
| Retained earnings to average equity (ytd only) | 7.0050% | 1,821 |
| Net charge-offs to loans | 0.0035% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 434.9438% | 170 |
| Efficiency ratio | 73.0507% | 2,980 |
| Assets per employee ($millions) | 4.7226% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 3,913 |
| Loan loss allowance to noncurrent loans | 63.0355% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.3061% | 1,180 |
| Noncurrent loans to loans | 1.9896% | 1,594 |
| Net loans and leases to total assets | 78.0533% | 954 |
| Net loans and leases to deposits | 92.9413% | 1,135 |
| Net loans and leases to core deposits | 95.5374% | 1,714 |
| Total domestic deposits to total assets | 83.9813% | 3,775 |
| Equity capital to assets | 9.9849% | 4,179 |
| Core capital (leverage) ratio | 8.6771% | 5,471 |
| Tier 1 risk-based capital ratio | 12.3992% | 5,227 |
| Total risk-based capital ratio | 13.6502% | 5,158 |
| Memoranda: | ||
| Average total assets | $103,005,500 | 4,573 |
| Average earning assets | $95,978,000 | 4,546 |
| Average equity | $10,106,750 | 4,765 |
| Average total loans | $75,845,000 | 4,036 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0550% | 3,523 |
| Cost of funding earning assets | 0.2684% | 5,301 |
| Net interest margin | 3.7866% | 2,612 |
| Noninterest income to average assets | 0.6368% | 2,628 |
| Noninterest expense to average assets | 3.0436% | 2,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6699% | 3,994 |
| Return on assets (ROA) | 0.6699% | 4,091 |
| Pretax return on assets | 1.1099% | 3,065 |
| Return on Equity (ROE) | 6.8679% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.8679% | 1,831 |
| Net charge-offs to loans | 0.0027% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 570.0000% | 125 |
| Efficiency ratio | 73.2771% | 3,108 |
| Assets per employee ($millions) | 4.8026% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 3,514 |
| Loan loss allowance to noncurrent loans | 83.9577% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.8039% | 1,795 |
| Noncurrent loans to loans | 1.6256% | 2,141 |
| Net loans and leases to total assets | 70.5190% | 1,997 |
| Net loans and leases to deposits | 82.2023% | 2,227 |
| Net loans and leases to core deposits | 84.4084% | 2,696 |
| Total domestic deposits to total assets | 85.7872% | 3,160 |
| Equity capital to assets | 9.6472% | 4,563 |
| Core capital (leverage) ratio | 9.1528% | 4,816 |
| Tier 1 risk-based capital ratio | 13.2039% | 4,787 |
| Total risk-based capital ratio | 14.4566% | 4,715 |
| Memoranda: | ||
| Average total assets | $102,708,330 | 4,615 |
| Average earning assets | $95,389,330 | 4,598 |
| Average equity | $10,017,670 | 4,803 |
| Average total loans | $73,751,670 | 4,115 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0701% | 3,398 |
| Cost of funding earning assets | 0.2653% | 5,439 |
| Net interest margin | 3.8048% | 2,454 |
| Noninterest income to average assets | 1.0115% | 1,108 |
| Noninterest expense to average assets | 3.2795% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7428% | 3,464 |
| Return on assets (ROA) | 0.7428% | 3,548 |
| Pretax return on assets | 1.2446% | 2,299 |
| Return on Equity (ROE) | 7.5730% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.5730% | 1,782 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4891% | 3,405 |
| Assets per employee ($millions) | 4.6450% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 3,555 |
| Loan loss allowance to noncurrent loans | 116.2162% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.5324% | 2,308 |
| Noncurrent loans to loans | 1.2127% | 3,021 |
| Net loans and leases to total assets | 70.6478% | 1,781 |
| Net loans and leases to deposits | 82.7052% | 1,979 |
| Net loans and leases to core deposits | 85.0093% | 2,423 |
| Total domestic deposits to total assets | 85.4213% | 3,660 |
| Equity capital to assets | 9.8111% | 4,093 |
| Core capital (leverage) ratio | 9.2505% | 4,648 |
| Tier 1 risk-based capital ratio | 13.3328% | 4,807 |
| Total risk-based capital ratio | 14.5857% | 4,734 |
| Memoranda: | ||
| Average total assets | $101,233,500 | 4,702 |
| Average earning assets | $93,461,500 | 4,697 |
| Average equity | $9,930,000 | 4,830 |
| Average total loans | $72,857,500 | 4,171 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1679% | 3,467 |
| Cost of funding earning assets | 0.3220% | 5,405 |
| Net interest margin | 3.8459% | 2,482 |
| Noninterest income to average assets | 0.6909% | 2,591 |
| Noninterest expense to average assets | 3.1528% | 2,577 |
| Loan and lease loss provision to assets | 0.0737% | 3,639 |
| Net operating income to assets | 0.6398% | 4,076 |
| Return on assets (ROA) | 0.6398% | 4,179 |
| Pretax return on assets | 0.9858% | 3,411 |
| Return on Equity (ROE) | 6.9778% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.6094% | 1,617 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8481% | 2,976 |
| Assets per employee ($millions) | 4.5580% | 2,809 |
| Cash dividends to net income (ytd only)* | 5.2800% | 4,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 3,538 |
| Loan loss allowance to noncurrent loans | 336.1564% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 1.7432% | 2,122 |
| Noncurrent loans to loans | 0.4235% | 4,933 |
| Net loans and leases to total assets | 71.2586% | 1,803 |
| Net loans and leases to deposits | 83.0797% | 2,044 |
| Net loans and leases to core deposits | 84.6685% | 2,591 |
| Total domestic deposits to total assets | 85.7714% | 3,375 |
| Equity capital to assets | 9.8068% | 4,030 |
| Core capital (leverage) ratio | 9.0263% | 4,956 |
| Tier 1 risk-based capital ratio | 13.1237% | 4,902 |
| Total risk-based capital ratio | 14.3768% | 4,839 |
| Memoranda: | ||
| Average total assets | $97,691,800 | 4,798 |
| Average earning assets | $89,445,600 | 4,793 |
| Average equity | $8,957,000 | 5,088 |
| Average total loans | $67,522,000 | 4,356 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 3,476 |
| Cost of funding earning assets | 0.3367% | 5,417 |
| Net interest margin | 3.8392% | 2,506 |
| Noninterest income to average assets | 0.6911% | 2,656 |
| Noninterest expense to average assets | 3.1077% | 2,628 |
| Loan and lease loss provision to assets | 0.0742% | 3,570 |
| Net operating income to assets | 0.6760% | 3,978 |
| Return on assets (ROA) | 0.6760% | 4,124 |
| Pretax return on assets | 1.0180% | 3,431 |
| Return on Equity (ROE) | 7.5074% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.1870% | 1,793 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9941% | 3,073 |
| Assets per employee ($millions) | 4.3666% | 3,105 |
| Cash dividends to net income (ytd only)* | 4.2684% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 3,822 |
| Loan loss allowance to noncurrent loans | 122.4638% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 2.3994% | 1,622 |
| Noncurrent loans to loans | 1.1577% | 3,498 |
| Net loans and leases to total assets | 73.3954% | 1,383 |
| Net loans and leases to deposits | 82.7297% | 2,042 |
| Net loans and leases to core deposits | 84.3246% | 2,617 |
| Total domestic deposits to total assets | 88.7171% | 1,714 |
| Equity capital to assets | 9.4851% | 4,574 |
| Core capital (leverage) ratio | 8.1671% | 6,089 |
| Tier 1 risk-based capital ratio | 12.1373% | 5,692 |
| Total risk-based capital ratio | 13.3899% | 5,627 |
| Memoranda: | ||
| Average total assets | $97,045,500 | 4,852 |
| Average earning assets | $88,696,250 | 4,854 |
| Average equity | $8,737,750 | 5,204 |
| Average total loans | $66,280,500 | 4,441 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 3,744 |
| Cost of funding earning assets | 0.3480% | 5,426 |
| Net interest margin | 3.7496% | 2,763 |
| Noninterest income to average assets | 0.6655% | 2,822 |
| Noninterest expense to average assets | 3.0543% | 2,821 |
| Loan and lease loss provision to assets | 0.0739% | 3,561 |
| Net operating income to assets | 0.6717% | 3,951 |
| Return on assets (ROA) | 0.6717% | 4,117 |
| Pretax return on assets | 0.9674% | 3,650 |
| Return on Equity (ROE) | 7.5932% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.3842% | 1,720 |
| Net charge-offs to loans | 0.0062% | 4,761 |
| Credit loss provision to net charge-offs | 1,800.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 253.5000% | 207 |
| Efficiency ratio | 74.5737% | 3,016 |
| Assets per employee ($millions) | 4.9209% | 2,198 |
| Cash dividends to net income (ytd only)* | 2.7523% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 3,768 |
| Loan loss allowance to noncurrent loans | 555.3073% | 786 |
| Noncurrent assets plus other real estate owned to assets | 1.6025% | 2,714 |
| Noncurrent loans to loans | 0.2630% | 5,653 |
| Net loans and leases to total assets | 64.9016% | 2,772 |
| Net loans and leases to deposits | 76.5721% | 2,789 |
| Net loans and leases to core deposits | 78.0051% | 3,287 |
| Total domestic deposits to total assets | 84.7588% | 4,014 |
| Equity capital to assets | 8.6580% | 5,601 |
| Core capital (leverage) ratio | 8.0194% | 6,176 |
| Tier 1 risk-based capital ratio | 12.4927% | 5,507 |
| Total risk-based capital ratio | 13.7458% | 5,444 |
| Memoranda: | ||
| Average total assets | $97,372,000 | 4,873 |
| Average earning assets | $89,076,330 | 4,868 |
| Average equity | $8,613,000 | 5,272 |
| Average total loans | $64,533,330 | 4,519 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1797% | 3,386 |
| Cost of funding earning assets | 0.3588% | 5,456 |
| Net interest margin | 3.8209% | 2,375 |
| Noninterest income to average assets | 0.5848% | 3,218 |
| Noninterest expense to average assets | 3.0088% | 2,961 |
| Loan and lease loss provision to assets | 0.0763% | 3,357 |
| Net operating income to assets | 0.6018% | 4,207 |
| Return on assets (ROA) | 0.6018% | 4,361 |
| Pretax return on assets | 0.9747% | 3,461 |
| Return on Equity (ROE) | 6.7251% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.2988% | 2,509 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1127% | 3,244 |
| Assets per employee ($millions) | 5.0364% | 2,165 |
| Cash dividends to net income (ytd only)* | 6.3380% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 3,764 |
| Loan loss allowance to noncurrent loans | 280.2292% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 2.3400% | 1,985 |
| Noncurrent loans to loans | 0.5402% | 5,097 |
| Net loans and leases to total assets | 63.1632% | 2,863 |
| Net loans and leases to deposits | 72.5909% | 3,109 |
| Net loans and leases to core deposits | 73.2663% | 3,670 |
| Total domestic deposits to total assets | 87.0125% | 2,951 |
| Equity capital to assets | 8.4515% | 6,062 |
| Core capital (leverage) ratio | 8.8863% | 5,076 |
| Tier 1 risk-based capital ratio | 12.0471% | 5,888 |
| Total risk-based capital ratio | 13.2958% | 5,842 |
| Memoranda: | ||
| Average total assets | $94,389,000 | 4,991 |
| Average earning assets | $85,844,000 | 4,988 |
| Average equity | $8,446,000 | 5,374 |
| Average total loans | $62,769,000 | 4,610 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 2,587 |
| Cost of funding earning assets | 0.5729% | 4,611 |
| Net interest margin | 4.1288% | 1,890 |
| Noninterest income to average assets | 0.6612% | 2,930 |
| Noninterest expense to average assets | 3.1578% | 2,743 |
| Loan and lease loss provision to assets | 0.1763% | 3,420 |
| Net operating income to assets | 0.6340% | 4,067 |
| Return on assets (ROA) | 0.6340% | 4,335 |
| Pretax return on assets | 1.0579% | 3,330 |
| Return on Equity (ROE) | 6.8673% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.1328% | 1,999 |
| Net charge-offs to loans | 0.0471% | 5,258 |
| Credit loss provision to net charge-offs | 537.9310% | 451 |
| Earnings coverage of net charge-offs (x) | 37.6552% | 846 |
| Efficiency ratio | 71.8991% | 3,429 |
| Assets per employee ($millions) | 4.4025% | 3,141 |
| Cash dividends to net income (ytd only)* | 10.6952% | 4,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 3,418 |
| Loan loss allowance to noncurrent loans | 64.0000% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 4.0261% | 1,060 |
| Noncurrent loans to loans | 2.4616% | 2,157 |
| Net loans and leases to total assets | 68.1170% | 2,162 |
| Net loans and leases to deposits | 79.6000% | 2,345 |
| Net loans and leases to core deposits | 79.9256% | 3,015 |
| Total domestic deposits to total assets | 85.5741% | 3,577 |
| Equity capital to assets | 9.5162% | 4,852 |
| Core capital (leverage) ratio | 8.4022% | 5,754 |
| Tier 1 risk-based capital ratio | 12.1235% | 5,703 |
| Total risk-based capital ratio | 13.3766% | 5,664 |
| Memoranda: | ||
| Average total assets | $88,479,600 | 5,126 |
| Average earning assets | $79,950,600 | 5,127 |
| Average equity | $8,169,200 | 5,455 |
| Average total loans | $61,577,200 | 4,654 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 2,591 |
| Cost of funding earning assets | 0.6225% | 4,428 |
| Net interest margin | 4.1248% | 2,006 |
| Noninterest income to average assets | 0.7375% | 2,539 |
| Noninterest expense to average assets | 3.1832% | 2,620 |
| Loan and lease loss provision to assets | 0.1505% | 3,657 |
| Net operating income to assets | 0.7224% | 3,813 |
| Return on assets (ROA) | 0.7224% | 4,058 |
| Pretax return on assets | 1.1333% | 3,218 |
| Return on Equity (ROE) | 7.8847% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.8847% | 1,669 |
| Net charge-offs to loans | 0.0756% | 4,652 |
| Credit loss provision to net charge-offs | 285.7143% | 944 |
| Earnings coverage of net charge-offs (x) | 24.3690% | 1,279 |
| Efficiency ratio | 71.2601% | 3,457 |
| Assets per employee ($millions) | 4.7437% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 4,289 |
| Loan loss allowance to noncurrent loans | 81.7106% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 3.4151% | 1,478 |
| Noncurrent loans to loans | 1.7375% | 3,179 |
| Net loans and leases to total assets | 65.7237% | 2,708 |
| Net loans and leases to deposits | 74.7569% | 3,175 |
| Net loans and leases to core deposits | 75.0331% | 3,847 |
| Total domestic deposits to total assets | 87.9165% | 2,095 |
| Equity capital to assets | 8.8360% | 5,990 |
| Core capital (leverage) ratio | 8.0111% | 6,321 |
| Tier 1 risk-based capital ratio | 11.9747% | 5,953 |
| Total risk-based capital ratio | 13.2269% | 5,936 |
| Memoranda: | ||
| Average total assets | $88,587,000 | 5,182 |
| Average earning assets | $80,099,750 | 5,176 |
| Average equity | $8,116,750 | 5,520 |
| Average total loans | $61,737,250 | 4,697 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 2,187 |
| Cost of funding earning assets | 0.6908% | 4,087 |
| Net interest margin | 4.1908% | 1,777 |
| Noninterest income to average assets | 0.7376% | 2,483 |
| Noninterest expense to average assets | 3.3599% | 2,129 |
| Loan and lease loss provision to assets | 0.1156% | 4,079 |
| Net operating income to assets | 0.6960% | 3,891 |
| Return on assets (ROA) | 0.6960% | 4,153 |
| Pretax return on assets | 1.0359% | 3,578 |
| Return on Equity (ROE) | 7.4988% | 3,518 |
| Retained earnings to average equity (ytd only) | 7.4988% | 1,873 |
| Net charge-offs to loans | -0.0163% | 6,386 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4746% | 2,996 |
| Assets per employee ($millions) | 4.6999% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 4,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4345% | 2,297 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 68.0467% | 2,286 |
| Net loans and leases to deposits | 83.0407% | 1,973 |
| Net loans and leases to core deposits | 83.6857% | 2,735 |
| Total domestic deposits to total assets | 81.9438% | 5,155 |
| Equity capital to assets | 9.1625% | 5,507 |
| Core capital (leverage) ratio | 8.2664% | 5,970 |
| Tier 1 risk-based capital ratio | 12.0094% | 5,931 |
| Total risk-based capital ratio | 13.2615% | 5,904 |
| Memoranda: | ||
| Average total assets | $86,491,670 | 5,265 |
| Average earning assets | $77,884,330 | 5,274 |
| Average equity | $8,028,000 | 5,565 |
| Average total loans | $61,232,330 | 4,734 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9289% | 2,141 |
| Cost of funding earning assets | 0.7490% | 3,866 |
| Net interest margin | 4.1798% | 1,816 |
| Noninterest income to average assets | 0.8039% | 2,150 |
| Noninterest expense to average assets | 3.5681% | 1,630 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7052% | 3,860 |
| Return on assets (ROA) | 0.7052% | 4,079 |
| Pretax return on assets | 0.9872% | 3,715 |
| Return on Equity (ROE) | 7.5462% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.5462% | 2,154 |
| Net charge-offs to loans | -0.0328% | 6,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3282% | 2,449 |
| Assets per employee ($millions) | 4.2742% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 4,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7573% | 2,128 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 69.3892% | 1,865 |
| Net loans and leases to deposits | 84.4668% | 1,602 |
| Net loans and leases to core deposits | 85.1483% | 2,391 |
| Total domestic deposits to total assets | 82.1497% | 5,243 |
| Equity capital to assets | 9.4019% | 4,957 |
| Core capital (leverage) ratio | 8.4996% | 5,591 |
| Tier 1 risk-based capital ratio | 11.7863% | 6,096 |
| Total risk-based capital ratio | 13.0376% | 6,077 |
| Memoranda: | ||
| Average total assets | $85,088,000 | 5,337 |
| Average earning assets | $76,366,500 | 5,349 |
| Average equity | $7,951,000 | 5,614 |
| Average total loans | $61,022,000 | 4,767 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1477% | 2,261 |
| Cost of funding earning assets | 1.0628% | 2,934 |
| Net interest margin | 4.0849% | 2,502 |
| Noninterest income to average assets | 0.5612% | 3,423 |
| Noninterest expense to average assets | 3.6423% | 1,658 |
| Loan and lease loss provision to assets | 0.2163% | 4,029 |
| Net operating income to assets | 0.2379% | 5,467 |
| Return on assets (ROA) | 0.2379% | 5,608 |
| Pretax return on assets | 0.3605% | 5,402 |
| Return on Equity (ROE) | 2.5539% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.5539% | 4,409 |
| Net charge-offs to loans | 0.3720% | 3,544 |
| Credit loss provision to net charge-offs | 80.0000% | 4,450 |
| Earnings coverage of net charge-offs (x) | 2.1333% | 4,186 |
| Efficiency ratio | 86.3287% | 1,517 |
| Assets per employee ($millions) | 4.2347% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 4,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9707% | 2,024 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 72.0921% | 1,634 |
| Net loans and leases to deposits | 89.3966% | 1,213 |
| Net loans and leases to core deposits | 90.1357% | 2,112 |
| Total domestic deposits to total assets | 80.6430% | 5,552 |
| Equity capital to assets | 9.2865% | 5,166 |
| Core capital (leverage) ratio | 8.5651% | 5,453 |
| Tier 1 risk-based capital ratio | 11.5836% | 6,109 |
| Total risk-based capital ratio | 12.8348% | 6,096 |
| Memoranda: | ||
| Average total assets | $83,216,000 | 5,364 |
| Average earning assets | $74,519,200 | 5,390 |
| Average equity | $7,752,800 | 5,642 |
| Average total loans | $60,491,800 | 4,846 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1781% | 2,287 |
| Cost of funding earning assets | 1.1391% | 2,704 |
| Net interest margin | 4.0390% | 2,735 |
| Noninterest income to average assets | 0.4216% | 4,506 |
| Noninterest expense to average assets | 3.3523% | 2,340 |
| Loan and lease loss provision to assets | 0.2414% | 3,595 |
| Net operating income to assets | 0.2929% | 5,421 |
| Return on assets (ROA) | 0.2929% | 5,594 |
| Pretax return on assets | 0.4458% | 5,324 |
| Return on Equity (ROE) | 3.1413% | 5,361 |
| Retained earnings to average equity (ytd only) | 3.1413% | 4,461 |
| Net charge-offs to loans | 0.4766% | 2,830 |
| Credit loss provision to net charge-offs | 69.7674% | 4,493 |
| Earnings coverage of net charge-offs (x) | 1.9860% | 4,161 |
| Efficiency ratio | 82.9880% | 1,850 |
| Assets per employee ($millions) | 4.0524% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 4,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2549% | 1,952 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 72.9947% | 1,510 |
| Net loans and leases to deposits | 93.6906% | 861 |
| Net loans and leases to core deposits | 98.9645% | 1,339 |
| Total domestic deposits to total assets | 77.9103% | 6,209 |
| Equity capital to assets | 9.6709% | 4,825 |
| Core capital (leverage) ratio | 8.7097% | 5,397 |
| Tier 1 risk-based capital ratio | 11.4971% | 6,242 |
| Total risk-based capital ratio | 12.7484% | 6,236 |
| Memoranda: | ||
| Average total assets | $82,846,750 | 5,414 |
| Average earning assets | $74,207,500 | 5,437 |
| Average equity | $7,724,750 | 5,689 |
| Average total loans | $60,142,250 | 4,896 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0979% | 2,694 |
| Cost of funding earning assets | 1.2003% | 2,582 |
| Net interest margin | 3.8976% | 3,319 |
| Noninterest income to average assets | 0.4698% | 4,110 |
| Noninterest expense to average assets | 3.2428% | 2,753 |
| Loan and lease loss provision to assets | 0.2157% | 3,760 |
| Net operating income to assets | 0.3547% | 5,155 |
| Return on assets (ROA) | 0.3547% | 5,292 |
| Pretax return on assets | 0.5057% | 5,056 |
| Return on Equity (ROE) | 3.8507% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.8507% | 3,752 |
| Net charge-offs to loans | 0.7110% | 2,089 |
| Credit loss provision to net charge-offs | 42.0561% | 4,775 |
| Earnings coverage of net charge-offs (x) | 1.4065% | 4,228 |
| Efficiency ratio | 81.8017% | 2,130 |
| Assets per employee ($millions) | 4.1187% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 5,352 |
| Loan loss allowance to noncurrent loans | 95.9288% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 3.6759% | 1,772 |
| Noncurrent loans to loans | 1.2953% | 4,494 |
| Net loans and leases to total assets | 72.7523% | 1,638 |
| Net loans and leases to deposits | 93.2138% | 928 |
| Net loans and leases to core deposits | 98.7672% | 1,447 |
| Total domestic deposits to total assets | 78.0489% | 6,280 |
| Equity capital to assets | 9.4581% | 4,876 |
| Core capital (leverage) ratio | 8.6046% | 5,395 |
| Tier 1 risk-based capital ratio | 11.2520% | 6,353 |
| Total risk-based capital ratio | 12.4648% | 6,365 |
| Memoranda: | ||
| Average total assets | $83,446,670 | 5,443 |
| Average earning assets | $74,815,330 | 5,470 |
| Average equity | $7,687,000 | 5,709 |
| Average total loans | $60,198,670 | 4,948 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9268% | 3,439 |
| Cost of funding earning assets | 1.3311% | 2,004 |
| Net interest margin | 3.5956% | 4,583 |
| Noninterest income to average assets | 0.4096% | 4,632 |
| Noninterest expense to average assets | 3.0911% | 3,286 |
| Loan and lease loss provision to assets | 0.2143% | 3,508 |
| Net operating income to assets | 0.2381% | 5,650 |
| Return on assets (ROA) | 0.2381% | 5,720 |
| Pretax return on assets | 0.3334% | 5,551 |
| Return on Equity (ROE) | 2.6195% | 5,555 |
| Retained earnings to average equity (ytd only) | 2.6195% | 4,596 |
| Net charge-offs to loans | 0.6872% | 1,842 |
| Credit loss provision to net charge-offs | 43.6893% | 3,881 |
| Earnings coverage of net charge-offs (x) | 1.1165% | 3,830 |
| Efficiency ratio | 84.9476% | 1,849 |
| Assets per employee ($millions) | 4.2320% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 4,863 |
| Loan loss allowance to noncurrent loans | 76.4925% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 4.4400% | 1,466 |
| Noncurrent loans to loans | 1.7760% | 3,855 |
| Net loans and leases to total assets | 70.3462% | 2,065 |
| Net loans and leases to deposits | 89.1066% | 1,338 |
| Net loans and leases to core deposits | 94.2731% | 1,855 |
| Total domestic deposits to total assets | 78.9461% | 6,200 |
| Equity capital to assets | 9.0430% | 5,133 |
| Core capital (leverage) ratio | 8.0500% | 6,192 |
| Tier 1 risk-based capital ratio | 10.8510% | 6,609 |
| Total risk-based capital ratio | 12.1018% | 6,585 |
| Memoranda: | ||
| Average total assets | $83,983,000 | 5,471 |
| Average earning assets | $75,424,500 | 5,496 |
| Average equity | $7,635,000 | 5,731 |
| Average total loans | $59,956,500 | 5,002 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4317% | 2,537 |
| Cost of funding earning assets | 1.7310% | 1,461 |
| Net interest margin | 3.7007% | 4,338 |
| Noninterest income to average assets | 0.5932% | 3,522 |
| Noninterest expense to average assets | 3.2631% | 2,860 |
| Loan and lease loss provision to assets | 0.4937% | 3,189 |
| Net operating income to assets | 0.1410% | 5,468 |
| Return on assets (ROA) | 0.2106% | 5,411 |
| Pretax return on assets | 0.3011% | 5,229 |
| Return on Equity (ROE) | 2.1480% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.1480% | 4,385 |
| Net charge-offs to loans | 0.3478% | 4,274 |
| Credit loss provision to net charge-offs | 183.6538% | 1,789 |
| Earnings coverage of net charge-offs (x) | 2.5865% | 3,809 |
| Efficiency ratio | 82.4355% | 2,108 |
| Assets per employee ($millions) | 4.1663% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 4,160 |
| Loan loss allowance to noncurrent loans | 74.7871% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 3.8067% | 1,799 |
| Noncurrent loans to loans | 1.9714% | 3,604 |
| Net loans and leases to total assets | 70.4150% | 2,431 |
| Net loans and leases to deposits | 90.1429% | 1,506 |
| Net loans and leases to core deposits | 95.1265% | 2,109 |
| Total domestic deposits to total assets | 78.1149% | 6,288 |
| Equity capital to assets | 9.1400% | 4,932 |
| Core capital (leverage) ratio | 8.6664% | 5,078 |
| Tier 1 risk-based capital ratio | 11.0740% | 6,276 |
| Total risk-based capital ratio | 12.3261% | 6,242 |
| Memoranda: | ||
| Average total assets | $77,380,400 | 5,666 |
| Average earning assets | $70,364,400 | 5,656 |
| Average equity | $7,588,400 | 5,850 |
| Average total loans | $59,808,000 | 5,078 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5204% | 2,351 |
| Cost of funding earning assets | 1.7971% | 1,430 |
| Net interest margin | 3.7233% | 4,292 |
| Noninterest income to average assets | 0.5868% | 3,530 |
| Noninterest expense to average assets | 3.3098% | 2,540 |
| Loan and lease loss provision to assets | 0.4199% | 3,385 |
| Net operating income to assets | 0.1741% | 5,577 |
| Return on assets (ROA) | 0.2688% | 5,446 |
| Pretax return on assets | 0.3847% | 5,263 |
| Return on Equity (ROE) | 2.6906% | 5,355 |
| Retained earnings to average equity (ytd only) | 2.6906% | 4,543 |
| Net charge-offs to loans | 0.0913% | 5,608 |
| Credit loss provision to net charge-offs | 582.9268% | 500 |
| Earnings coverage of net charge-offs (x) | 9.2919% | 2,043 |
| Efficiency ratio | 83.1788% | 1,931 |
| Assets per employee ($millions) | 4.1656% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 3,980 |
| Loan loss allowance to noncurrent loans | 47.6996% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 3.9332% | 1,788 |
| Noncurrent loans to loans | 3.1381% | 2,541 |
| Net loans and leases to total assets | 74.9968% | 1,589 |
| Net loans and leases to deposits | 95.6692% | 1,026 |
| Net loans and leases to core deposits | 100.7126% | 1,779 |
| Total domestic deposits to total assets | 78.3918% | 6,171 |
| Equity capital to assets | 9.6379% | 4,642 |
| Core capital (leverage) ratio | 8.9764% | 4,732 |
| Tier 1 risk-based capital ratio | 11.0408% | 6,336 |
| Total risk-based capital ratio | 12.2927% | 6,317 |
| Memoranda: | ||
| Average total assets | $75,894,000 | 5,776 |
| Average earning assets | $69,148,500 | 5,767 |
| Average equity | $7,581,500 | 5,918 |
| Average total loans | $59,872,000 | 5,153 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6056% | 2,123 |
| Cost of funding earning assets | 1.8539% | 1,416 |
| Net interest margin | 3.7517% | 4,122 |
| Noninterest income to average assets | 0.6630% | 2,941 |
| Noninterest expense to average assets | 3.2268% | 2,808 |
| Loan and lease loss provision to assets | 0.4625% | 3,003 |
| Net operating income to assets | 0.2754% | 5,278 |
| Return on assets (ROA) | 0.2754% | 5,428 |
| Pretax return on assets | 0.3983% | 5,230 |
| Return on Equity (ROE) | 2.7227% | 5,355 |
| Retained earnings to average equity (ytd only) | 2.7227% | 4,398 |
| Net charge-offs to loans | 0.0335% | 5,884 |
| Credit loss provision to net charge-offs | 1,730.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 32.2000% | 873 |
| Efficiency ratio | 78.9405% | 2,582 |
| Assets per employee ($millions) | 4.2008% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 4,140 |
| Loan loss allowance to noncurrent loans | 57.9545% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 3.7638% | 1,856 |
| Noncurrent loans to loans | 2.5152% | 3,139 |
| Net loans and leases to total assets | 77.5137% | 1,190 |
| Net loans and leases to deposits | 98.7549% | 816 |
| Net loans and leases to core deposits | 105.1487% | 1,521 |
| Total domestic deposits to total assets | 78.4910% | 6,150 |
| Equity capital to assets | 10.0615% | 3,934 |
| Core capital (leverage) ratio | 8.9767% | 4,639 |
| Tier 1 risk-based capital ratio | 10.9857% | 6,248 |
| Total risk-based capital ratio | 12.2372% | 6,239 |
| Memoranda: | ||
| Average total assets | $74,810,000 | 5,844 |
| Average earning assets | $68,289,000 | 5,820 |
| Average equity | $7,566,000 | 5,941 |
| Average total loans | $59,743,000 | 5,188 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6856% | 1,830 |
| Cost of funding earning assets | 1.8325% | 1,733 |
| Net interest margin | 3.8530% | 3,549 |
| Noninterest income to average assets | 0.5376% | 3,752 |
| Noninterest expense to average assets | 3.2524% | 2,693 |
| Loan and lease loss provision to assets | 0.2419% | 4,115 |
| Net operating income to assets | 0.4032% | 4,825 |
| Return on assets (ROA) | 0.4032% | 4,974 |
| Pretax return on assets | 0.5698% | 4,718 |
| Return on Equity (ROE) | 3.9761% | 4,907 |
| Retained earnings to average equity (ytd only) | 3.9761% | 3,763 |
| Net charge-offs to loans | 0.0200% | 5,308 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 50.3333% | 574 |
| Efficiency ratio | 80.0265% | 2,559 |
| Assets per employee ($millions) | 4.5623% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 5,305 |
| Loan loss allowance to noncurrent loans | 58.9258% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 3.7043% | 1,888 |
| Noncurrent loans to loans | 2.0964% | 3,662 |
| Net loans and leases to total assets | 76.9002% | 1,347 |
| Net loans and leases to deposits | 98.5021% | 863 |
| Net loans and leases to core deposits | 104.4280% | 1,702 |
| Total domestic deposits to total assets | 78.0696% | 6,302 |
| Equity capital to assets | 9.7938% | 4,119 |
| Core capital (leverage) ratio | 9.2513% | 4,137 |
| Tier 1 risk-based capital ratio | 10.8706% | 6,272 |
| Total risk-based capital ratio | 12.0683% | 6,307 |
| Memoranda: | ||
| Average total assets | $74,407,500 | 5,924 |
| Average earning assets | $68,102,000 | 5,903 |
| Average equity | $7,545,000 | 5,996 |
| Average total loans | $59,875,000 | 5,254 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9713% | 1,984 |
| Cost of funding earning assets | 2.2948% | 1,680 |
| Net interest margin | 3.6765% | 4,234 |
| Noninterest income to average assets | 0.5561% | 3,973 |
| Noninterest expense to average assets | 3.4151% | 2,623 |
| Loan and lease loss provision to assets | 0.5162% | 3,794 |
| Net operating income to assets | 0.0402% | 5,365 |
| Return on assets (ROA) | 0.1298% | 5,171 |
| Pretax return on assets | 0.1882% | 5,034 |
| Return on Equity (ROE) | 1.3229% | 5,140 |
| Retained earnings to average equity (ytd only) | 1.3229% | 4,117 |
| Net charge-offs to loans | 0.8462% | 2,710 |
| Credit loss provision to net charge-offs | 73.2794% | 6,425 |
| Earnings coverage of net charge-offs (x) | 0.8158% | 5,294 |
| Efficiency ratio | 85.5969% | 2,160 |
| Assets per employee ($millions) | 4.4535% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 5,440 |
| Loan loss allowance to noncurrent loans | 125.4902% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 3.7400% | 1,783 |
| Noncurrent loans to loans | 0.9451% | 5,423 |
| Net loans and leases to total assets | 82.3187% | 638 |
| Net loans and leases to deposits | 108.3072% | 444 |
| Net loans and leases to core deposits | 132.3070% | 1,155 |
| Total domestic deposits to total assets | 76.0048% | 6,681 |
| Equity capital to assets | 10.5170% | 3,161 |
| Core capital (leverage) ratio | 9.3563% | 3,889 |
| Tier 1 risk-based capital ratio | 11.0000% | 5,913 |
| Total risk-based capital ratio | 12.1565% | 5,980 |
| Memoranda: | ||
| Average total assets | $70,129,200 | 5,996 |
| Average earning assets | $65,496,600 | 5,945 |
| Average equity | $6,878,800 | 6,305 |
| Average total loans | $58,378,200 | 5,322 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9427% | 2,263 |
| Cost of funding earning assets | 2.3755% | 1,722 |
| Net interest margin | 3.5673% | 4,608 |
| Noninterest income to average assets | 0.6490% | 3,351 |
| Noninterest expense to average assets | 3.3997% | 2,577 |
| Loan and lease loss provision to assets | 0.6032% | 2,979 |
| Net operating income to assets | -0.0083% | 5,721 |
| Return on assets (ROA) | 0.1203% | 5,466 |
| Pretax return on assets | 0.1623% | 5,381 |
| Return on Equity (ROE) | 1.2491% | 5,418 |
| Retained earnings to average equity (ytd only) | 1.2491% | 4,623 |
| Net charge-offs to loans | 0.9885% | 1,992 |
| Credit loss provision to net charge-offs | 73.3179% | 5,916 |
| Earnings coverage of net charge-offs (x) | 0.7193% | 5,319 |
| Efficiency ratio | 85.1746% | 2,161 |
| Assets per employee ($millions) | 4.5824% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 4,969 |
| Loan loss allowance to noncurrent loans | 65.2489% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 3.8612% | 1,664 |
| Noncurrent loans to loans | 1.8791% | 3,796 |
| Net loans and leases to total assets | 79.2223% | 1,341 |
| Net loans and leases to deposits | 109.7579% | 473 |
| Net loans and leases to core deposits | 129.2070% | 1,484 |
| Total domestic deposits to total assets | 72.1791% | 7,186 |
| Equity capital to assets | 10.1120% | 3,947 |
| Core capital (leverage) ratio | 9.2224% | 4,304 |
| Tier 1 risk-based capital ratio | 10.9364% | 6,004 |
| Total risk-based capital ratio | 12.1324% | 6,033 |
| Memoranda: | ||
| Average total assets | $69,847,500 | 6,045 |
| Average earning assets | $65,445,250 | 5,979 |
| Average equity | $6,725,000 | 6,416 |
| Average total loans | $58,132,500 | 5,372 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0039% | 2,167 |
| Cost of funding earning assets | 2.4208% | 1,878 |
| Net interest margin | 3.5831% | 4,438 |
| Noninterest income to average assets | 0.8327% | 2,254 |
| Noninterest expense to average assets | 3.4619% | 2,453 |
| Loan and lease loss provision to assets | 0.5154% | 2,960 |
| Net operating income to assets | 0.1572% | 5,398 |
| Return on assets (ROA) | 0.1572% | 5,493 |
| Pretax return on assets | 0.2213% | 5,411 |
| Return on Equity (ROE) | 1.6627% | 5,417 |
| Retained earnings to average equity (ytd only) | 1.6627% | 4,415 |
| Net charge-offs to loans | 0.6769% | 2,346 |
| Credit loss provision to net charge-offs | 90.3061% | 4,915 |
| Earnings coverage of net charge-offs (x) | 1.2908% | 4,555 |
| Efficiency ratio | 82.4549% | 2,671 |
| Assets per employee ($millions) | 3.6797% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 3,615 |
| Loan loss allowance to noncurrent loans | 46.4468% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 4.1021% | 1,424 |
| Noncurrent loans to loans | 3.0597% | 2,347 |
| Net loans and leases to total assets | 81.0584% | 1,127 |
| Net loans and leases to deposits | 107.4310% | 681 |
| Net loans and leases to core deposits | 126.5254% | 1,818 |
| Total domestic deposits to total assets | 75.4516% | 6,670 |
| Equity capital to assets | 9.2999% | 4,869 |
| Core capital (leverage) ratio | 8.2817% | 5,837 |
| Tier 1 risk-based capital ratio | 9.2763% | 7,558 |
| Total risk-based capital ratio | 10.5273% | 7,542 |
| Memoranda: | ||
| Average total assets | $68,690,330 | 6,125 |
| Average earning assets | $64,524,670 | 6,062 |
| Average equity | $6,495,330 | 6,534 |
| Average total loans | $57,908,000 | 5,425 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0068% | 2,335 |
| Cost of funding earning assets | 2.5138% | 1,866 |
| Net interest margin | 3.4931% | 4,761 |
| Noninterest income to average assets | 0.8578% | 2,044 |
| Noninterest expense to average assets | 3.4725% | 2,164 |
| Loan and lease loss provision to assets | 0.3349% | 3,312 |
| Net operating income to assets | 0.2468% | 5,496 |
| Return on assets (ROA) | 0.2468% | 5,662 |
| Pretax return on assets | 0.3408% | 5,554 |
| Return on Equity (ROE) | 2.5878% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.5878% | 4,440 |
| Net charge-offs to loans | 0.1789% | 3,568 |
| Credit loss provision to net charge-offs | 219.2308% | 2,063 |
| Earnings coverage of net charge-offs (x) | 4.4231% | 2,887 |
| Efficiency ratio | 83.7110% | 2,338 |
| Assets per employee ($millions) | 4.5710% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 3,038 |
| Loan loss allowance to noncurrent loans | 43.1343% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 3.9904% | 1,291 |
| Noncurrent loans to loans | 3.4588% | 1,844 |
| Net loans and leases to total assets | 83.4916% | 771 |
| Net loans and leases to deposits | 120.1309% | 284 |
| Net loans and leases to core deposits | 146.5141% | 833 |
| Total domestic deposits to total assets | 69.5005% | 7,473 |
| Equity capital to assets | 9.5063% | 4,653 |
| Core capital (leverage) ratio | 8.3595% | 5,788 |
| Tier 1 risk-based capital ratio | 9.0484% | 7,763 |
| Total risk-based capital ratio | 10.3002% | 7,788 |
| Memoranda: | ||
| Average total assets | $68,078,000 | 6,175 |
| Average earning assets | $64,127,000 | 6,104 |
| Average equity | $6,492,000 | 6,586 |
| Average total loans | $58,117,500 | 5,444 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7141% | 1,980 |
| Cost of funding earning assets | 3.1725% | 1,281 |
| Net interest margin | 3.5416% | 5,139 |
| Noninterest income to average assets | 0.6191% | 3,721 |
| Noninterest expense to average assets | 3.2727% | 3,064 |
| Loan and lease loss provision to assets | 0.6077% | 2,392 |
| Net operating income to assets | 0.0601% | 6,206 |
| Return on assets (ROA) | 0.0601% | 6,062 |
| Pretax return on assets | 0.0910% | 5,964 |
| Return on Equity (ROE) | 0.6349% | 6,024 |
| Retained earnings to average equity (ytd only) | 0.6349% | 4,858 |
| Net charge-offs to loans | 0.4097% | 2,770 |
| Credit loss provision to net charge-offs | 169.2308% | 3,034 |
| Earnings coverage of net charge-offs (x) | 1.9457% | 5,094 |
| Efficiency ratio | 82.4059% | 2,250 |
| Assets per employee ($millions) | 4.2244% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 2,982 |
| Loan loss allowance to noncurrent loans | 42.3291% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 3.8718% | 1,086 |
| Noncurrent loans to loans | 3.3980% | 1,509 |
| Net loans and leases to total assets | 84.7539% | 771 |
| Net loans and leases to deposits | 113.4871% | 638 |
| Net loans and leases to core deposits | 137.9256% | 1,376 |
| Total domestic deposits to total assets | 74.6815% | 6,521 |
| Equity capital to assets | 9.5664% | 4,588 |
| Core capital (leverage) ratio | 8.4229% | 5,706 |
| Tier 1 risk-based capital ratio | 9.3850% | 7,424 |
| Total risk-based capital ratio | 10.6377% | 7,349 |
| Memoranda: | ||
| Average total assets | $61,538,800 | 6,336 |
| Average earning assets | $58,250,400 | 6,253 |
| Average equity | $5,827,800 | 6,866 |
| Average total loans | $53,937,800 | 5,530 |