Home > Willamette Community Bank > Performance and Condition Ratios
Willamette Community Bank, Performance and Condition Ratios
| 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 | 4.3232% | 1,791 |
| Cost of funding earning assets | 0.4731% | 3,129 |
| Net interest margin | 3.8501% | 1,355 |
| Noninterest income to average assets | 0.2487% | 3,999 |
| Noninterest expense to average assets | 3.2583% | 954 |
| Loan and lease loss provision to assets | 0.0944% | 3,169 |
| Net operating income to assets | 0.3301% | 4,391 |
| Return on assets (ROA) | 0.3301% | 4,453 |
| Pretax return on assets | 0.4828% | 4,297 |
| Return on Equity (ROE) | 3.0151% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.0151% | 3,341 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4866% | 598 |
| Assets per employee ($millions) | 5.9008% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,944 |
| Loan loss allowance to noncurrent loans | 243.5461% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 2,702 |
| Noncurrent loans to loans | 0.4930% | 2,494 |
| Net loans and leases to total assets | 64.7173% | 2,274 |
| Net loans and leases to deposits | 71.9122% | 2,689 |
| Net loans and leases to core deposits | 72.2535% | 3,049 |
| Total domestic deposits to total assets | 89.9949% | 570 |
| Equity capital to assets | 9.4440% | 3,665 |
| Core capital (leverage) ratio | 9.6560% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,372,600 | 3,060 |
| Average earning assets | $172,695,600 | 3,045 |
| Average equity | $20,297,600 | 3,162 |
| Average total loans | $137,089,400 | 2,781 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 1,700 |
| Cost of funding earning assets | 0.5048% | 3,189 |
| Net interest margin | 3.9439% | 1,253 |
| Noninterest income to average assets | 0.2589% | 3,925 |
| Noninterest expense to average assets | 3.3029% | 906 |
| Loan and lease loss provision to assets | 0.1315% | 2,706 |
| Net operating income to assets | 0.3824% | 4,297 |
| Return on assets (ROA) | 0.3824% | 4,361 |
| Pretax return on assets | 0.4878% | 4,302 |
| Return on Equity (ROE) | 3.3502% | 4,328 |
| Retained earnings to average equity (ytd only) | 3.3502% | 3,376 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7267% | 624 |
| Assets per employee ($millions) | 5.2451% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 2,854 |
| Loan loss allowance to noncurrent loans | 240.8135% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 2,777 |
| Noncurrent loans to loans | 0.4849% | 2,611 |
| Net loans and leases to total assets | 69.2610% | 2,066 |
| Net loans and leases to deposits | 80.1424% | 2,298 |
| Net loans and leases to core deposits | 80.9884% | 2,752 |
| Total domestic deposits to total assets | 86.4224% | 1,889 |
| Equity capital to assets | 9.7725% | 3,458 |
| Core capital (leverage) ratio | 10.4278% | 2,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,133,750 | 3,114 |
| Average earning assets | $164,538,250 | 3,105 |
| Average equity | $20,217,250 | 3,161 |
| Average total loans | $135,608,500 | 2,806 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 1,416 |
| Cost of funding earning assets | 0.5493% | 3,241 |
| Net interest margin | 4.1467% | 1,024 |
| Noninterest income to average assets | 0.2755% | 3,825 |
| Noninterest expense to average assets | 3.5334% | 719 |
| Loan and lease loss provision to assets | 0.1203% | 2,823 |
| Net operating income to assets | 0.3573% | 4,318 |
| Return on assets (ROA) | 0.3573% | 4,372 |
| Pretax return on assets | 0.4548% | 4,325 |
| Return on Equity (ROE) | 2.9520% | 4,366 |
| Retained earnings to average equity (ytd only) | 2.9520% | 3,412 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5051% | 564 |
| Assets per employee ($millions) | 4.9017% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 2,956 |
| Loan loss allowance to noncurrent loans | 144.6696% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 2,029 |
| Noncurrent loans to loans | 0.7717% | 1,953 |
| Net loans and leases to total assets | 76.0771% | 1,130 |
| Net loans and leases to deposits | 89.2749% | 1,419 |
| Net loans and leases to core deposits | 90.3194% | 2,054 |
| Total domestic deposits to total assets | 85.2167% | 2,299 |
| Equity capital to assets | 10.6351% | 2,633 |
| Core capital (leverage) ratio | 10.9912% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,244,333 | 3,189 |
| Average earning assets | $153,662,667 | 3,190 |
| Average equity | $20,122,000 | 3,162 |
| Average total loans | $131,802,000 | 2,844 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 1,343 |
| Cost of funding earning assets | 0.6295% | 3,276 |
| Net interest margin | 4.2025% | 918 |
| Noninterest income to average assets | 0.2965% | 3,745 |
| Noninterest expense to average assets | 3.7638% | 650 |
| Loan and lease loss provision to assets | 0.0650% | 2,950 |
| Net operating income to assets | 0.2549% | 4,441 |
| Return on assets (ROA) | 0.2549% | 4,463 |
| Pretax return on assets | 0.3225% | 4,421 |
| Return on Equity (ROE) | 1.9583% | 4,452 |
| Retained earnings to average equity (ytd only) | 1.9583% | 3,454 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1003% | 492 |
| Assets per employee ($millions) | 4.0257% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,468 |
| Loan loss allowance to noncurrent loans | 100.9665% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 1,337 |
| Noncurrent loans to loans | 1.2252% | 1,332 |
| Net loans and leases to total assets | 79.6848% | 731 |
| Net loans and leases to deposits | 92.2393% | 1,254 |
| Net loans and leases to core deposits | 93.1396% | 2,052 |
| Total domestic deposits to total assets | 86.3893% | 1,831 |
| Equity capital to assets | 12.8178% | 1,538 |
| Core capital (leverage) ratio | 12.9822% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,782,500 | 3,281 |
| Average earning assets | $141,059,500 | 3,295 |
| Average equity | $20,017,500 | 3,170 |
| Average total loans | $124,164,500 | 2,912 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 1,534 |
| Cost of funding earning assets | 0.5502% | 3,872 |
| Net interest margin | 4.4281% | 845 |
| Noninterest income to average assets | 0.3274% | 3,740 |
| Noninterest expense to average assets | 3.6375% | 821 |
| Loan and lease loss provision to assets | 0.1454% | 1,473 |
| Net operating income to assets | 0.4648% | 4,481 |
| Return on assets (ROA) | 0.4648% | 4,519 |
| Pretax return on assets | 0.5737% | 4,457 |
| Return on Equity (ROE) | 3.6106% | 4,551 |
| Retained earnings to average equity (ytd only) | 3.6106% | 3,194 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1123% | 723 |
| Assets per employee ($millions) | 3.9622% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,075 |
| Loan loss allowance to noncurrent loans | 108.4388% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.9444% | 1,345 |
| Noncurrent loans to loans | 1.1689% | 1,297 |
| Net loans and leases to total assets | 79.7760% | 815 |
| Net loans and leases to deposits | 92.8769% | 1,270 |
| Net loans and leases to core deposits | 93.8222% | 2,081 |
| Total domestic deposits to total assets | 85.8944% | 2,108 |
| Equity capital to assets | 13.2243% | 1,404 |
| Core capital (leverage) ratio | 13.0462% | 1,217 |
| Tier 1 risk-based capital ratio | 13.2731% | 3,643 |
| Total risk-based capital ratio | 14.3148% | 3,636 |
| Memoranda: | ||
| Average total assets | $150,597,200 | 3,293 |
| Average earning assets | $137,034,000 | 3,326 |
| Average equity | $19,387,200 | 3,182 |
| Average total loans | $114,366,800 | 3,013 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 1,750 |
| Cost of funding earning assets | 0.5173% | 4,075 |
| Net interest margin | 4.4070% | 930 |
| Noninterest income to average assets | 0.3284% | 3,780 |
| Noninterest expense to average assets | 3.5961% | 853 |
| Loan and lease loss provision to assets | 0.1629% | 1,145 |
| Net operating income to assets | 0.4650% | 4,594 |
| Return on assets (ROA) | 0.4657% | 4,629 |
| Pretax return on assets | 0.5825% | 4,574 |
| Return on Equity (ROE) | 3.6420% | 4,646 |
| Retained earnings to average equity (ytd only) | 3.6420% | 3,583 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4801% | 728 |
| Assets per employee ($millions) | 3.9741% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,303 |
| Loan loss allowance to noncurrent loans | 104.2185% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.9330% | 1,447 |
| Noncurrent loans to loans | 1.1872% | 1,319 |
| Net loans and leases to total assets | 77.6103% | 1,204 |
| Net loans and leases to deposits | 90.0407% | 1,688 |
| Net loans and leases to core deposits | 90.7506% | 2,489 |
| Total domestic deposits to total assets | 86.1947% | 1,907 |
| Equity capital to assets | 12.7298% | 1,766 |
| Core capital (leverage) ratio | 12.9445% | 1,364 |
| Tier 1 risk-based capital ratio | 13.5392% | 3,545 |
| Total risk-based capital ratio | 14.5871% | 3,558 |
| Memoranda: | ||
| Average total assets | $150,605,500 | 3,323 |
| Average earning assets | $137,110,750 | 3,357 |
| Average equity | $19,256,250 | 3,219 |
| Average total loans | $112,544,500 | 3,079 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8667% | 1,854 |
| Cost of funding earning assets | 0.4780% | 4,213 |
| Net interest margin | 4.3887% | 961 |
| Noninterest income to average assets | 0.3339% | 3,701 |
| Noninterest expense to average assets | 3.6247% | 830 |
| Loan and lease loss provision to assets | 0.1328% | 1,407 |
| Net operating income to assets | 0.4559% | 4,625 |
| Return on assets (ROA) | 0.4559% | 4,654 |
| Pretax return on assets | 0.5780% | 4,582 |
| Return on Equity (ROE) | 3.5605% | 4,677 |
| Retained earnings to average equity (ytd only) | 3.5605% | 3,465 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2354% | 711 |
| Assets per employee ($millions) | 4.1838% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 2,315 |
| Loan loss allowance to noncurrent loans | 96.4746% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9793% | 1,418 |
| Noncurrent loans to loans | 1.2832% | 1,232 |
| Net loans and leases to total assets | 75.3718% | 1,652 |
| Net loans and leases to deposits | 88.8877% | 1,878 |
| Net loans and leases to core deposits | 89.1319% | 2,674 |
| Total domestic deposits to total assets | 84.7944% | 2,569 |
| Equity capital to assets | 12.9741% | 1,599 |
| Core capital (leverage) ratio | 12.9672% | 1,307 |
| Tier 1 risk-based capital ratio | 13.4625% | 3,602 |
| Total risk-based capital ratio | 14.4565% | 3,639 |
| Memoranda: | ||
| Average total assets | $149,143,670 | 3,363 |
| Average earning assets | $135,986,670 | 3,394 |
| Average equity | $19,098,330 | 3,240 |
| Average total loans | $109,460,670 | 3,144 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8619% | 1,721 |
| Cost of funding earning assets | 0.4474% | 4,299 |
| Net interest margin | 4.4146% | 866 |
| Noninterest income to average assets | 0.3261% | 3,671 |
| Noninterest expense to average assets | 3.5955% | 852 |
| Loan and lease loss provision to assets | 0.1995% | 806 |
| Net operating income to assets | 0.4259% | 4,676 |
| Return on assets (ROA) | 0.4259% | 4,686 |
| Pretax return on assets | 0.5471% | 4,599 |
| Return on Equity (ROE) | 3.3480% | 4,710 |
| Retained earnings to average equity (ytd only) | 3.3480% | 3,579 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4333% | 838 |
| Assets per employee ($millions) | 4.5073% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,154 |
| Loan loss allowance to noncurrent loans | 93.8255% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 1,396 |
| Noncurrent loans to loans | 1.3714% | 1,180 |
| Net loans and leases to total assets | 72.1047% | 2,142 |
| Net loans and leases to deposits | 82.8640% | 2,522 |
| Net loans and leases to core deposits | 83.0282% | 3,109 |
| Total domestic deposits to total assets | 87.0158% | 1,806 |
| Equity capital to assets | 12.7772% | 1,580 |
| Core capital (leverage) ratio | 12.8660% | 1,336 |
| Tier 1 risk-based capital ratio | 14.2440% | 3,221 |
| Total risk-based capital ratio | 15.2992% | 3,233 |
| Memoranda: | ||
| Average total assets | $148,407,500 | 3,408 |
| Average earning assets | $135,008,000 | 3,440 |
| Average equity | $18,877,000 | 3,274 |
| Average total loans | $106,718,500 | 3,216 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8845% | 1,333 |
| Cost of funding earning assets | 0.3234% | 4,446 |
| Net interest margin | 4.5611% | 673 |
| Noninterest income to average assets | 0.2695% | 4,301 |
| Noninterest expense to average assets | 3.8248% | 661 |
| Loan and lease loss provision to assets | 0.1351% | 1,601 |
| Net operating income to assets | 0.4708% | 4,726 |
| Return on assets (ROA) | 0.4708% | 4,726 |
| Pretax return on assets | 0.5406% | 4,736 |
| Return on Equity (ROE) | 3.7355% | 4,773 |
| Retained earnings to average equity (ytd only) | 3.7355% | 3,521 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5240% | 614 |
| Assets per employee ($millions) | 4.3551% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 2,231 |
| Loan loss allowance to noncurrent loans | 39.8675% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 2.2428% | 378 |
| Noncurrent loans to loans | 3.1692% | 308 |
| Net loans and leases to total assets | 69.8743% | 2,578 |
| Net loans and leases to deposits | 80.1632% | 2,936 |
| Net loans and leases to core deposits | 80.3219% | 3,403 |
| Total domestic deposits to total assets | 87.1651% | 1,699 |
| Equity capital to assets | 12.6620% | 1,505 |
| Core capital (leverage) ratio | 12.9431% | 1,272 |
| Tier 1 risk-based capital ratio | 14.4871% | 3,067 |
| Total risk-based capital ratio | 15.5120% | 3,101 |
| Memoranda: | ||
| Average total assets | $134,673,000 | 3,583 |
| Average earning assets | $124,925,600 | 3,580 |
| Average equity | $16,972,400 | 3,396 |
| Average total loans | $99,043,800 | 3,317 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 1,228 |
| Cost of funding earning assets | 0.2997% | 4,519 |
| Net interest margin | 4.5739% | 630 |
| Noninterest income to average assets | 0.2559% | 4,442 |
| Noninterest expense to average assets | 3.9180% | 576 |
| Loan and lease loss provision to assets | 0.1391% | 1,440 |
| Net operating income to assets | 0.4010% | 4,954 |
| Return on assets (ROA) | 0.4010% | 4,954 |
| Pretax return on assets | 0.4751% | 4,933 |
| Return on Equity (ROE) | 3.1864% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.1864% | 4,153 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9543% | 520 |
| Assets per employee ($millions) | 3.9007% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,320 |
| Loan loss allowance to noncurrent loans | 235.1103% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 3,138 |
| Noncurrent loans to loans | 0.5350% | 2,782 |
| Net loans and leases to total assets | 71.5058% | 2,408 |
| Net loans and leases to deposits | 82.3758% | 2,775 |
| Net loans and leases to core deposits | 82.7799% | 3,270 |
| Total domestic deposits to total assets | 86.8043% | 1,820 |
| Equity capital to assets | 13.0561% | 1,312 |
| Core capital (leverage) ratio | 13.3809% | 1,147 |
| Tier 1 risk-based capital ratio | 15.2229% | 2,774 |
| Total risk-based capital ratio | 16.2768% | 2,792 |
| Memoranda: | ||
| Average total assets | $131,323,000 | 3,668 |
| Average earning assets | $122,780,750 | 3,640 |
| Average equity | $16,528,250 | 3,483 |
| Average total loans | $97,607,500 | 3,371 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 1,265 |
| Cost of funding earning assets | 0.2809% | 4,556 |
| Net interest margin | 4.5131% | 679 |
| Noninterest income to average assets | 0.2432% | 4,553 |
| Noninterest expense to average assets | 3.9583% | 565 |
| Loan and lease loss provision to assets | 0.1372% | 1,428 |
| Net operating income to assets | 0.3305% | 5,078 |
| Return on assets (ROA) | 0.3305% | 5,074 |
| Pretax return on assets | 0.3804% | 5,070 |
| Return on Equity (ROE) | 2.6623% | 5,070 |
| Retained earnings to average equity (ytd only) | 2.6623% | 4,189 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9136% | 474 |
| Assets per employee ($millions) | 4.0033% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 2,675 |
| Loan loss allowance to noncurrent loans | 214.2857% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 3,036 |
| Noncurrent loans to loans | 0.5627% | 2,733 |
| Net loans and leases to total assets | 74.0407% | 1,941 |
| Net loans and leases to deposits | 85.5873% | 2,362 |
| Net loans and leases to core deposits | 96.2082% | 2,046 |
| Total domestic deposits to total assets | 86.5090% | 2,050 |
| Equity capital to assets | 13.3764% | 1,146 |
| Core capital (leverage) ratio | 14.1019% | 882 |
| Tier 1 risk-based capital ratio | 15.0650% | 2,841 |
| Total risk-based capital ratio | 16.0755% | 2,885 |
| Memoranda: | ||
| Average total assets | $128,289,000 | 3,731 |
| Average earning assets | $120,315,330 | 3,706 |
| Average equity | $15,926,330 | 3,571 |
| Average total loans | $96,246,330 | 3,404 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 1,251 |
| Cost of funding earning assets | 0.2819% | 4,494 |
| Net interest margin | 4.4421% | 697 |
| Noninterest income to average assets | 0.2444% | 4,540 |
| Noninterest expense to average assets | 3.7692% | 699 |
| Loan and lease loss provision to assets | 0.1415% | 1,333 |
| Net operating income to assets | 0.4149% | 4,902 |
| Return on assets (ROA) | 0.4149% | 4,906 |
| Pretax return on assets | 0.4888% | 4,887 |
| Return on Equity (ROE) | 3.4898% | 4,894 |
| Retained earnings to average equity (ytd only) | 3.4898% | 3,808 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1608% | 700 |
| Assets per employee ($millions) | 4.0584% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,495 |
| Loan loss allowance to noncurrent loans | 206.6202% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 3,077 |
| Noncurrent loans to loans | 0.6068% | 2,730 |
| Net loans and leases to total assets | 71.9207% | 2,181 |
| Net loans and leases to deposits | 83.7603% | 2,412 |
| Net loans and leases to core deposits | 90.1329% | 2,442 |
| Total domestic deposits to total assets | 85.8649% | 2,606 |
| Equity capital to assets | 13.9857% | 897 |
| Core capital (leverage) ratio | 14.6808% | 719 |
| Tier 1 risk-based capital ratio | 16.0620% | 2,443 |
| Total risk-based capital ratio | 17.0990% | 2,479 |
| Memoranda: | ||
| Average total assets | $124,377,000 | 3,824 |
| Average earning assets | $116,342,000 | 3,805 |
| Average equity | $14,786,000 | 3,740 |
| Average total loans | $93,365,000 | 3,477 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5838% | 1,480 |
| Cost of funding earning assets | 0.2672% | 4,420 |
| Net interest margin | 4.3166% | 932 |
| Noninterest income to average assets | 0.2178% | 4,845 |
| Noninterest expense to average assets | 3.6863% | 812 |
| Loan and lease loss provision to assets | 0.0320% | 3,630 |
| Net operating income to assets | 0.3912% | 4,723 |
| Return on assets (ROA) | 0.3912% | 4,734 |
| Pretax return on assets | 0.5939% | 4,753 |
| Return on Equity (ROE) | 3.9070% | 4,533 |
| Retained earnings to average equity (ytd only) | 3.9070% | 2,862 |
| Net charge-offs to loans | -0.1799% | 5,506 |
| Credit loss provision to net charge-offs | -24.1611% | 4,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9072% | 708 |
| Assets per employee ($millions) | 4.5725% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,540 |
| Loan loss allowance to noncurrent loans | 191.2898% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 2,882 |
| Noncurrent loans to loans | 0.6479% | 2,601 |
| Net loans and leases to total assets | 76.5439% | 1,505 |
| Net loans and leases to deposits | 84.8754% | 2,390 |
| Net loans and leases to core deposits | 91.9248% | 2,385 |
| Total domestic deposits to total assets | 90.1839% | 504 |
| Equity capital to assets | 9.5966% | 4,145 |
| Core capital (leverage) ratio | 9.4816% | 4,075 |
| Tier 1 risk-based capital ratio | 10.2254% | 5,469 |
| Total risk-based capital ratio | 11.2389% | 5,480 |
| Memoranda: | ||
| Average total assets | $112,469,200 | 4,020 |
| Average earning assets | $106,681,000 | 3,969 |
| Average equity | $11,261,800 | 4,266 |
| Average total loans | $82,814,600 | 3,683 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4473% | 1,795 |
| Cost of funding earning assets | 0.2598% | 4,483 |
| Net interest margin | 4.1875% | 1,178 |
| Noninterest income to average assets | 0.2044% | 4,984 |
| Noninterest expense to average assets | 3.6560% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3752% | 5,056 |
| Return on assets (ROA) | 0.3752% | 5,082 |
| Pretax return on assets | 0.5412% | 4,946 |
| Return on Equity (ROE) | 3.7059% | 4,941 |
| Retained earnings to average equity (ytd only) | 3.7059% | 3,720 |
| Net charge-offs to loans | -0.2435% | 5,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5043% | 601 |
| Assets per employee ($millions) | 4.3515% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,745 |
| Loan loss allowance to noncurrent loans | 178.3522% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 3,038 |
| Noncurrent loans to loans | 0.6892% | 2,640 |
| Net loans and leases to total assets | 72.8041% | 2,124 |
| Net loans and leases to deposits | 80.3824% | 2,936 |
| Net loans and leases to core deposits | 89.0176% | 2,688 |
| Total domestic deposits to total assets | 90.5722% | 306 |
| Equity capital to assets | 9.3391% | 4,607 |
| Core capital (leverage) ratio | 9.6722% | 3,964 |
| Tier 1 risk-based capital ratio | 10.5554% | 5,431 |
| Total risk-based capital ratio | 11.5781% | 5,444 |
| Memoranda: | ||
| Average total assets | $110,865,000 | 4,094 |
| Average earning assets | $105,709,250 | 4,033 |
| Average equity | $11,225,000 | 4,312 |
| Average total loans | $80,482,750 | 3,768 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 1,766 |
| Cost of funding earning assets | 0.2550% | 4,498 |
| Net interest margin | 4.1605% | 1,168 |
| Noninterest income to average assets | 0.2052% | 5,021 |
| Noninterest expense to average assets | 3.6397% | 830 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3619% | 5,064 |
| Return on assets (ROA) | 0.3619% | 5,086 |
| Pretax return on assets | 0.5224% | 4,968 |
| Return on Equity (ROE) | 3.4724% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.4724% | 3,638 |
| Net charge-offs to loans | -0.3748% | 5,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8221% | 619 |
| Assets per employee ($millions) | 4.4548% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 2,270 |
| Loan loss allowance to noncurrent loans | 182.4503% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 3,024 |
| Noncurrent loans to loans | 0.7293% | 2,562 |
| Net loans and leases to total assets | 70.5489% | 2,435 |
| Net loans and leases to deposits | 78.2222% | 3,095 |
| Net loans and leases to core deposits | 85.2795% | 2,948 |
| Total domestic deposits to total assets | 90.1905% | 473 |
| Equity capital to assets | 9.7405% | 4,185 |
| Core capital (leverage) ratio | 10.1961% | 3,281 |
| Tier 1 risk-based capital ratio | 11.0452% | 5,231 |
| Total risk-based capital ratio | 12.1250% | 5,232 |
| Memoranda: | ||
| Average total assets | $107,206,000 | 4,185 |
| Average earning assets | $101,959,330 | 4,132 |
| Average equity | $11,173,670 | 4,329 |
| Average total loans | $77,373,670 | 3,859 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 1,659 |
| Cost of funding earning assets | 0.2417% | 4,616 |
| Net interest margin | 4.1534% | 1,087 |
| Noninterest income to average assets | 0.1983% | 5,080 |
| Noninterest expense to average assets | 3.5609% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4043% | 4,931 |
| Return on assets (ROA) | 0.4043% | 4,957 |
| Pretax return on assets | 0.5792% | 4,774 |
| Return on Equity (ROE) | 3.7412% | 4,869 |
| Retained earnings to average equity (ytd only) | 3.7412% | 3,578 |
| Net charge-offs to loans | -0.7662% | 5,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3521% | 858 |
| Assets per employee ($millions) | 4.1350% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 1,800 |
| Loan loss allowance to noncurrent loans | 124.1535% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 2,233 |
| Noncurrent loans to loans | 1.1835% | 1,710 |
| Net loans and leases to total assets | 68.6085% | 2,586 |
| Net loans and leases to deposits | 76.6062% | 3,122 |
| Net loans and leases to core deposits | 76.8736% | 3,569 |
| Total domestic deposits to total assets | 89.5600% | 872 |
| Equity capital to assets | 10.3888% | 3,307 |
| Core capital (leverage) ratio | 11.2334% | 2,160 |
| Tier 1 risk-based capital ratio | 11.8156% | 4,840 |
| Total risk-based capital ratio | 12.9783% | 4,797 |
| Memoranda: | ||
| Average total assets | $102,896,000 | 4,301 |
| Average earning assets | $97,654,000 | 4,239 |
| Average equity | $11,119,500 | 4,364 |
| Average total loans | $74,652,500 | 3,932 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7528% | 956 |
| Cost of funding earning assets | 0.1991% | 5,018 |
| Net interest margin | 4.5537% | 550 |
| Noninterest income to average assets | 0.2500% | 4,926 |
| Noninterest expense to average assets | 3.7769% | 796 |
| Loan and lease loss provision to assets | 0.0203% | 3,962 |
| Net operating income to assets | 0.5592% | 4,395 |
| Return on assets (ROA) | 0.5670% | 4,461 |
| Pretax return on assets | 0.8109% | 4,162 |
| Return on Equity (ROE) | 5.1580% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.1580% | 2,231 |
| Net charge-offs to loans | -0.0105% | 4,949 |
| Credit loss provision to net charge-offs | -250.0000% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5650% | 1,251 |
| Assets per employee ($millions) | 3.7801% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,622 |
| Loan loss allowance to noncurrent loans | 254.5213% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 3,740 |
| Noncurrent loans to loans | 0.5051% | 3,333 |
| Net loans and leases to total assets | 74.7716% | 1,731 |
| Net loans and leases to deposits | 84.3563% | 2,373 |
| Net loans and leases to core deposits | 85.2775% | 2,905 |
| Total domestic deposits to total assets | 88.6378% | 1,303 |
| Equity capital to assets | 11.2635% | 2,357 |
| Core capital (leverage) ratio | 11.4732% | 1,952 |
| Tier 1 risk-based capital ratio | 12.0495% | 4,694 |
| Total risk-based capital ratio | 13.0899% | 4,731 |
| Memoranda: | ||
| Average total assets | $98,414,800 | 4,376 |
| Average earning assets | $93,945,000 | 4,310 |
| Average equity | $10,818,200 | 4,449 |
| Average total loans | $76,281,200 | 3,895 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 943 |
| Cost of funding earning assets | 0.1894% | 5,183 |
| Net interest margin | 4.5869% | 521 |
| Noninterest income to average assets | 0.2533% | 4,950 |
| Noninterest expense to average assets | 3.8503% | 710 |
| Loan and lease loss provision to assets | 0.0271% | 3,702 |
| Net operating income to assets | 0.5355% | 4,551 |
| Return on assets (ROA) | 0.5458% | 4,620 |
| Pretax return on assets | 0.7869% | 4,345 |
| Return on Equity (ROE) | 4.9959% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.9959% | 2,832 |
| Net charge-offs to loans | -0.0104% | 4,782 |
| Credit loss provision to net charge-offs | -333.3333% | 4,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2022% | 1,171 |
| Assets per employee ($millions) | 3.9337% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 2,949 |
| Loan loss allowance to noncurrent loans | 734.6154% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 4,905 |
| Noncurrent loans to loans | 0.1703% | 4,675 |
| Net loans and leases to total assets | 76.6488% | 1,415 |
| Net loans and leases to deposits | 86.3446% | 2,228 |
| Net loans and leases to core deposits | 86.9492% | 2,854 |
| Total domestic deposits to total assets | 88.7708% | 1,017 |
| Equity capital to assets | 11.1438% | 2,869 |
| Core capital (leverage) ratio | 11.0448% | 2,403 |
| Tier 1 risk-based capital ratio | 11.9896% | 4,794 |
| Total risk-based capital ratio | 13.0376% | 4,824 |
| Memoranda: | ||
| Average total assets | $98,448,000 | 4,404 |
| Average earning assets | $94,353,000 | 4,340 |
| Average equity | $10,755,250 | 4,501 |
| Average total loans | $76,740,500 | 3,907 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7865% | 910 |
| Cost of funding earning assets | 0.1822% | 5,300 |
| Net interest margin | 4.6043% | 504 |
| Noninterest income to average assets | 0.2620% | 4,910 |
| Noninterest expense to average assets | 3.8545% | 713 |
| Loan and lease loss provision to assets | 0.0203% | 3,734 |
| Net operating income to assets | 0.5570% | 4,452 |
| Return on assets (ROA) | 0.5727% | 4,513 |
| Pretax return on assets | 0.8225% | 4,206 |
| Return on Equity (ROE) | 5.2773% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.2773% | 2,563 |
| Net charge-offs to loans | -0.0104% | 4,708 |
| Credit loss provision to net charge-offs | -250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8419% | 1,286 |
| Assets per employee ($millions) | 3.9413% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 3,341 |
| Loan loss allowance to noncurrent loans | 1,036.2637% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 5,149 |
| Noncurrent loans to loans | 0.1161% | 4,981 |
| Net loans and leases to total assets | 78.5919% | 1,125 |
| Net loans and leases to deposits | 88.3956% | 1,934 |
| Net loans and leases to core deposits | 89.7864% | 2,555 |
| Total domestic deposits to total assets | 88.9093% | 957 |
| Equity capital to assets | 11.0115% | 3,050 |
| Core capital (leverage) ratio | 11.0748% | 2,359 |
| Tier 1 risk-based capital ratio | 11.9156% | 4,884 |
| Total risk-based capital ratio | 12.9559% | 4,923 |
| Memoranda: | ||
| Average total assets | $98,483,330 | 4,445 |
| Average earning assets | $94,391,000 | 4,376 |
| Average equity | $10,687,330 | 4,539 |
| Average total loans | $76,876,330 | 3,926 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7423% | 967 |
| Cost of funding earning assets | 0.1741% | 5,430 |
| Net interest margin | 4.5682% | 533 |
| Noninterest income to average assets | 0.2600% | 4,875 |
| Noninterest expense to average assets | 3.9529% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4713% | 4,737 |
| Return on assets (ROA) | 0.4713% | 4,831 |
| Pretax return on assets | 0.6785% | 4,595 |
| Return on Equity (ROE) | 4.3749% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.3749% | 3,292 |
| Net charge-offs to loans | -0.0105% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7368% | 1,089 |
| Assets per employee ($millions) | 3.9214% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 3,560 |
| Loan loss allowance to noncurrent loans | 990.4255% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 5,194 |
| Noncurrent loans to loans | 0.1198% | 4,995 |
| Net loans and leases to total assets | 79.0758% | 942 |
| Net loans and leases to deposits | 88.8494% | 1,718 |
| Net loans and leases to core deposits | 90.5874% | 2,316 |
| Total domestic deposits to total assets | 88.9998% | 1,100 |
| Equity capital to assets | 10.8981% | 3,047 |
| Core capital (leverage) ratio | 10.9132% | 2,481 |
| Tier 1 risk-based capital ratio | 11.9603% | 4,936 |
| Total risk-based capital ratio | 13.0071% | 4,981 |
| Memoranda: | ||
| Average total assets | $98,458,500 | 4,492 |
| Average earning assets | $94,216,500 | 4,415 |
| Average equity | $10,606,000 | 4,569 |
| Average total loans | $76,123,500 | 3,960 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 1,289 |
| Cost of funding earning assets | 0.1801% | 5,454 |
| Net interest margin | 4.4366% | 737 |
| Noninterest income to average assets | 0.2493% | 5,099 |
| Noninterest expense to average assets | 3.6720% | 1,014 |
| Loan and lease loss provision to assets | -0.1030% | 5,857 |
| Net operating income to assets | 0.6072% | 4,239 |
| Return on assets (ROA) | 0.6079% | 4,330 |
| Pretax return on assets | 0.9201% | 3,764 |
| Return on Equity (ROE) | 5.7632% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.7632% | 1,917 |
| Net charge-offs to loans | -0.0042% | 4,948 |
| Credit loss provision to net charge-offs | 3,333.3333% | 115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1754% | 1,510 |
| Assets per employee ($millions) | 3.9553% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 3,115 |
| Loan loss allowance to noncurrent loans | 901.9417% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 5,187 |
| Noncurrent loans to loans | 0.1396% | 4,935 |
| Net loans and leases to total assets | 73.6888% | 1,775 |
| Net loans and leases to deposits | 82.5226% | 2,532 |
| Net loans and leases to core deposits | 84.8106% | 2,906 |
| Total domestic deposits to total assets | 89.2953% | 970 |
| Equity capital to assets | 10.6470% | 3,188 |
| Core capital (leverage) ratio | 10.7467% | 2,663 |
| Tier 1 risk-based capital ratio | 12.3924% | 4,705 |
| Total risk-based capital ratio | 13.4871% | 4,702 |
| Memoranda: | ||
| Average total assets | $97,059,000 | 4,516 |
| Average earning assets | $92,728,400 | 4,455 |
| Average equity | $10,237,400 | 4,612 |
| Average total loans | $71,161,800 | 4,066 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5890% | 1,355 |
| Cost of funding earning assets | 0.1833% | 5,521 |
| Net interest margin | 4.4057% | 785 |
| Noninterest income to average assets | 0.2471% | 5,163 |
| Noninterest expense to average assets | 3.6892% | 993 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5134% | 4,742 |
| Return on assets (ROA) | 0.5134% | 4,828 |
| Pretax return on assets | 0.7701% | 4,425 |
| Return on Equity (ROE) | 4.8795% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.8795% | 2,999 |
| Net charge-offs to loans | -0.0038% | 4,784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0799% | 1,385 |
| Assets per employee ($millions) | 3.8768% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 2,576 |
| Loan loss allowance to noncurrent loans | 926.1261% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 5,291 |
| Noncurrent loans to loans | 0.1516% | 5,030 |
| Net loans and leases to total assets | 74.4642% | 1,645 |
| Net loans and leases to deposits | 83.4596% | 2,460 |
| Net loans and leases to core deposits | 86.4923% | 2,796 |
| Total domestic deposits to total assets | 89.2219% | 912 |
| Equity capital to assets | 10.7048% | 3,354 |
| Core capital (leverage) ratio | 10.5607% | 2,974 |
| Tier 1 risk-based capital ratio | 12.6660% | 4,635 |
| Total risk-based capital ratio | 13.9157% | 4,543 |
| Memoranda: | ||
| Average total assets | $96,603,250 | 4,575 |
| Average earning assets | $92,362,500 | 4,517 |
| Average equity | $10,164,750 | 4,685 |
| Average total loans | $70,503,750 | 4,120 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6011% | 1,277 |
| Cost of funding earning assets | 0.1866% | 5,560 |
| Net interest margin | 4.4145% | 742 |
| Noninterest income to average assets | 0.2342% | 5,281 |
| Noninterest expense to average assets | 3.7141% | 970 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4933% | 4,802 |
| Return on assets (ROA) | 0.4933% | 4,904 |
| Pretax return on assets | 0.7378% | 4,531 |
| Return on Equity (ROE) | 4.7154% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.7154% | 3,044 |
| Net charge-offs to loans | -0.0057% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7281% | 1,405 |
| Assets per employee ($millions) | 3.9822% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 2,598 |
| Loan loss allowance to noncurrent loans | 4,672.7273% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 5,734 |
| Noncurrent loans to loans | 0.0307% | 5,630 |
| Net loans and leases to total assets | 71.0334% | 2,157 |
| Net loans and leases to deposits | 79.2146% | 2,880 |
| Net loans and leases to core deposits | 82.3605% | 3,135 |
| Total domestic deposits to total assets | 89.6721% | 801 |
| Equity capital to assets | 10.2455% | 3,755 |
| Core capital (leverage) ratio | 10.5336% | 2,911 |
| Tier 1 risk-based capital ratio | 12.6180% | 4,734 |
| Total risk-based capital ratio | 13.8681% | 4,657 |
| Memoranda: | ||
| Average total assets | $96,498,000 | 4,625 |
| Average earning assets | $92,196,000 | 4,552 |
| Average equity | $10,094,670 | 4,728 |
| Average total loans | $69,605,670 | 4,174 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 1,227 |
| Cost of funding earning assets | 0.1987% | 5,524 |
| Net interest margin | 4.3974% | 735 |
| Noninterest income to average assets | 0.2190% | 5,387 |
| Noninterest expense to average assets | 3.7570% | 925 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4422% | 4,906 |
| Return on assets (ROA) | 0.4422% | 5,024 |
| Pretax return on assets | 0.6571% | 4,734 |
| Return on Equity (ROE) | 4.1824% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.1824% | 3,496 |
| Net charge-offs to loans | 0.0934% | 1,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 1,986 |
| Efficiency ratio | 84.4466% | 1,323 |
| Assets per employee ($millions) | 3.9833% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 2,574 |
| Loan loss allowance to noncurrent loans | 4,208.3333% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,791 |
| Noncurrent loans to loans | 0.0350% | 5,653 |
| Net loans and leases to total assets | 70.7672% | 2,025 |
| Net loans and leases to deposits | 79.2856% | 2,644 |
| Net loans and leases to core deposits | 82.8937% | 2,879 |
| Total domestic deposits to total assets | 89.2561% | 1,110 |
| Equity capital to assets | 10.5923% | 3,436 |
| Core capital (leverage) ratio | 10.4982% | 2,964 |
| Tier 1 risk-based capital ratio | 13.1485% | 4,531 |
| Total risk-based capital ratio | 14.3985% | 4,437 |
| Memoranda: | ||
| Average total assets | $94,969,000 | 4,692 |
| Average earning assets | $90,599,500 | 4,626 |
| Average equity | $10,042,000 | 4,768 |
| Average total loans | $68,535,500 | 4,216 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 1,607 |
| Cost of funding earning assets | 0.3369% | 4,405 |
| Net interest margin | 4.2468% | 1,172 |
| Noninterest income to average assets | 0.2393% | 5,416 |
| Noninterest expense to average assets | 3.7528% | 1,059 |
| Loan and lease loss provision to assets | 0.2498% | 912 |
| Net operating income to assets | 0.1953% | 5,773 |
| Return on assets (ROA) | 0.1953% | 5,825 |
| Pretax return on assets | 0.2729% | 5,750 |
| Return on Equity (ROE) | 1.9539% | 5,778 |
| Retained earnings to average equity (ytd only) | 1.9539% | 4,820 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1839% | 1,056 |
| Assets per employee ($millions) | 3.9308% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 2,476 |
| Loan loss allowance to noncurrent loans | 2,331.8182% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 5,783 |
| Noncurrent loans to loans | 0.0643% | 5,621 |
| Net loans and leases to total assets | 71.4257% | 2,013 |
| Net loans and leases to deposits | 79.9637% | 2,717 |
| Net loans and leases to core deposits | 84.2519% | 2,871 |
| Total domestic deposits to total assets | 89.3227% | 1,057 |
| Equity capital to assets | 10.5554% | 3,413 |
| Core capital (leverage) ratio | 10.0155% | 3,549 |
| Tier 1 risk-based capital ratio | 13.0962% | 4,660 |
| Total risk-based capital ratio | 14.3479% | 4,584 |
| Memoranda: | ||
| Average total assets | $95,261,800 | 4,712 |
| Average earning assets | $90,538,400 | 4,639 |
| Average equity | $9,519,200 | 4,859 |
| Average total loans | $66,710,200 | 4,276 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5010% | 1,865 |
| Cost of funding earning assets | 0.3483% | 4,359 |
| Net interest margin | 4.1527% | 1,421 |
| Noninterest income to average assets | 0.2429% | 5,462 |
| Noninterest expense to average assets | 3.6944% | 1,133 |
| Loan and lease loss provision to assets | 0.3295% | 560 |
| Net operating income to assets | 0.1257% | 5,989 |
| Return on assets (ROA) | 0.1257% | 6,020 |
| Pretax return on assets | 0.1648% | 5,992 |
| Return on Equity (ROE) | 1.2753% | 5,992 |
| Retained earnings to average equity (ytd only) | 1.2753% | 5,387 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6333% | 1,037 |
| Assets per employee ($millions) | 4.5185% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 2,918 |
| Loan loss allowance to noncurrent loans | 4,452.1739% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 6,041 |
| Noncurrent loans to loans | 0.0327% | 5,903 |
| Net loans and leases to total assets | 66.6943% | 2,741 |
| Net loans and leases to deposits | 73.7456% | 3,463 |
| Net loans and leases to core deposits | 78.1561% | 3,521 |
| Total domestic deposits to total assets | 90.4383% | 553 |
| Equity capital to assets | 9.4568% | 4,848 |
| Core capital (leverage) ratio | 9.3126% | 4,624 |
| Tier 1 risk-based capital ratio | 12.4409% | 5,201 |
| Total risk-based capital ratio | 13.6924% | 5,135 |
| Memoranda: | ||
| Average total assets | $95,492,250 | 4,751 |
| Average earning assets | $90,734,000 | 4,682 |
| Average equity | $9,409,500 | 4,920 |
| Average total loans | $66,285,500 | 4,323 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 1,786 |
| Cost of funding earning assets | 0.3551% | 4,376 |
| Net interest margin | 4.1606% | 1,349 |
| Noninterest income to average assets | 0.2525% | 5,390 |
| Noninterest expense to average assets | 3.7742% | 1,004 |
| Loan and lease loss provision to assets | 0.5416% | 269 |
| Net operating income to assets | -0.0496% | 6,221 |
| Return on assets (ROA) | -0.0496% | 6,238 |
| Pretax return on assets | -0.1187% | 6,269 |
| Return on Equity (ROE) | -0.4962% | 6,243 |
| Retained earnings to average equity (ytd only) | -0.4962% | 5,771 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3573% | 962 |
| Assets per employee ($millions) | 3.9043% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 2,736 |
| Loan loss allowance to noncurrent loans | 4,722.7273% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 6,111 |
| Noncurrent loans to loans | 0.0325% | 5,962 |
| Net loans and leases to total assets | 65.5860% | 2,821 |
| Net loans and leases to deposits | 72.3663% | 3,527 |
| Net loans and leases to core deposits | 77.0870% | 3,531 |
| Total domestic deposits to total assets | 90.6306% | 531 |
| Equity capital to assets | 9.2837% | 4,999 |
| Core capital (leverage) ratio | 9.3566% | 4,521 |
| Tier 1 risk-based capital ratio | 12.4816% | 5,240 |
| Total risk-based capital ratio | 13.7339% | 5,160 |
| Memoranda: | ||
| Average total assets | $92,681,330 | 4,852 |
| Average earning assets | $87,872,330 | 4,779 |
| Average equity | $9,270,000 | 4,968 |
| Average total loans | $64,935,330 | 4,396 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5739% | 1,574 |
| Cost of funding earning assets | 0.3688% | 4,333 |
| Net interest margin | 4.2051% | 1,204 |
| Noninterest income to average assets | 0.2583% | 5,289 |
| Noninterest expense to average assets | 3.8610% | 915 |
| Loan and lease loss provision to assets | 0.2175% | 1,045 |
| Net operating income to assets | 0.1042% | 6,020 |
| Return on assets (ROA) | 0.1042% | 6,051 |
| Pretax return on assets | 0.1586% | 5,997 |
| Return on Equity (ROE) | 1.0008% | 6,041 |
| Retained earnings to average equity (ytd only) | 1.0008% | 5,198 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6952% | 973 |
| Assets per employee ($millions) | 3.7625% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 4,086 |
| Loan loss allowance to noncurrent loans | 3,096.2963% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 6,138 |
| Noncurrent loans to loans | 0.0423% | 6,023 |
| Net loans and leases to total assets | 69.8416% | 1,918 |
| Net loans and leases to deposits | 78.0513% | 2,547 |
| Net loans and leases to core deposits | 84.4044% | 2,472 |
| Total domestic deposits to total assets | 89.4817% | 1,374 |
| Equity capital to assets | 10.3688% | 3,371 |
| Core capital (leverage) ratio | 10.5768% | 2,839 |
| Tier 1 risk-based capital ratio | 13.4240% | 4,750 |
| Total risk-based capital ratio | 14.6507% | 4,696 |
| Memoranda: | ||
| Average total assets | $88,266,500 | 5,012 |
| Average earning assets | $83,518,000 | 4,930 |
| Average equity | $9,193,000 | 5,002 |
| Average total loans | $63,595,000 | 4,473 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 2,005 |
| Cost of funding earning assets | 0.4423% | 4,191 |
| Net interest margin | 4.1161% | 1,605 |
| Noninterest income to average assets | 0.4023% | 4,429 |
| Noninterest expense to average assets | 3.4696% | 1,727 |
| Loan and lease loss provision to assets | 0.1009% | 3,119 |
| Net operating income to assets | 0.4567% | 4,923 |
| Return on assets (ROA) | 0.4649% | 5,024 |
| Pretax return on assets | 0.7500% | 4,341 |
| Return on Equity (ROE) | 4.6425% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.6425% | 2,857 |
| Net charge-offs to loans | 0.1113% | 3,713 |
| Credit loss provision to net charge-offs | 126.0870% | 1,880 |
| Earnings coverage of net charge-offs (x) | 10.4783% | 2,358 |
| Efficiency ratio | 79.7901% | 2,179 |
| Assets per employee ($millions) | 3.9197% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 4,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 6,356 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 72.4769% | 1,601 |
| Net loans and leases to deposits | 81.0581% | 2,315 |
| Net loans and leases to core deposits | 89.1302% | 2,123 |
| Total domestic deposits to total assets | 89.4136% | 1,378 |
| Equity capital to assets | 10.4635% | 3,212 |
| Core capital (leverage) ratio | 10.4790% | 2,942 |
| Tier 1 risk-based capital ratio | 12.8854% | 5,059 |
| Total risk-based capital ratio | 14.0247% | 5,078 |
| Memoranda: | ||
| Average total assets | $86,264,200 | 5,075 |
| Average earning assets | $81,849,800 | 4,987 |
| Average equity | $8,637,600 | 5,175 |
| Average total loans | $62,007,800 | 4,545 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4797% | 2,311 |
| Cost of funding earning assets | 0.4620% | 4,150 |
| Net interest margin | 4.0177% | 1,890 |
| Noninterest income to average assets | 0.4466% | 4,180 |
| Noninterest expense to average assets | 3.4201% | 1,774 |
| Loan and lease loss provision to assets | 0.1020% | 3,063 |
| Net operating income to assets | 0.4512% | 5,021 |
| Return on assets (ROA) | 0.4621% | 5,114 |
| Pretax return on assets | 0.7588% | 4,460 |
| Return on Equity (ROE) | 4.6675% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.6675% | 3,346 |
| Net charge-offs to loans | 0.1491% | 3,052 |
| Credit loss provision to net charge-offs | 95.6522% | 2,496 |
| Earnings coverage of net charge-offs (x) | 7.9128% | 2,705 |
| Efficiency ratio | 79.4128% | 2,202 |
| Assets per employee ($millions) | 3.9060% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 4,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 6,439 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 70.5445% | 1,860 |
| Net loans and leases to deposits | 78.5450% | 2,580 |
| Net loans and leases to core deposits | 86.7725% | 2,309 |
| Total domestic deposits to total assets | 89.8142% | 1,099 |
| Equity capital to assets | 10.0602% | 3,815 |
| Core capital (leverage) ratio | 9.8753% | 3,855 |
| Tier 1 risk-based capital ratio | 12.7734% | 5,276 |
| Total risk-based capital ratio | 13.9294% | 5,285 |
| Memoranda: | ||
| Average total assets | $86,272,000 | 5,119 |
| Average earning assets | $81,967,750 | 5,028 |
| Average equity | $8,541,250 | 5,262 |
| Average total loans | $61,688,000 | 4,590 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4688% | 2,314 |
| Cost of funding earning assets | 0.4987% | 3,915 |
| Net interest margin | 3.9701% | 1,965 |
| Noninterest income to average assets | 0.5232% | 3,682 |
| Noninterest expense to average assets | 3.4381% | 1,743 |
| Loan and lease loss provision to assets | 0.1435% | 2,537 |
| Net operating income to assets | 0.4376% | 5,069 |
| Return on assets (ROA) | 0.4376% | 5,234 |
| Pretax return on assets | 0.7200% | 4,618 |
| Return on Equity (ROE) | 4.4436% | 5,028 |
| Retained earnings to average equity (ytd only) | 4.4436% | 3,441 |
| Net charge-offs to loans | -0.0032% | 5,577 |
| Credit loss provision to net charge-offs | -6,200.0000% | 6,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0097% | 2,297 |
| Assets per employee ($millions) | 4.1126% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 4,081 |
| Loan loss allowance to noncurrent loans | 952.2727% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 6,118 |
| Noncurrent loans to loans | 0.1460% | 5,961 |
| Net loans and leases to total assets | 68.8157% | 2,092 |
| Net loans and leases to deposits | 76.5590% | 2,791 |
| Net loans and leases to core deposits | 83.9115% | 2,574 |
| Total domestic deposits to total assets | 89.8858% | 1,094 |
| Equity capital to assets | 9.9335% | 3,994 |
| Core capital (leverage) ratio | 9.8328% | 3,751 |
| Tier 1 risk-based capital ratio | 12.9794% | 5,159 |
| Total risk-based capital ratio | 14.2297% | 5,097 |
| Memoranda: | ||
| Average total assets | $86,385,000 | 5,144 |
| Average earning assets | $82,215,330 | 5,047 |
| Average equity | $8,506,670 | 5,306 |
| Average total loans | $61,786,330 | 4,613 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4309% | 2,422 |
| Cost of funding earning assets | 0.5015% | 4,075 |
| Net interest margin | 3.9294% | 2,016 |
| Noninterest income to average assets | 0.5047% | 3,742 |
| Noninterest expense to average assets | 3.4215% | 1,781 |
| Loan and lease loss provision to assets | 0.1945% | 1,906 |
| Net operating income to assets | 0.3750% | 5,234 |
| Return on assets (ROA) | 0.3750% | 5,370 |
| Pretax return on assets | 0.6250% | 4,857 |
| Return on Equity (ROE) | 3.8250% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.8250% | 3,931 |
| Net charge-offs to loans | -0.0064% | 5,322 |
| Credit loss provision to net charge-offs | -4,200.0000% | 5,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6943% | 2,379 |
| Assets per employee ($millions) | 4.1536% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 4,697 |
| Loan loss allowance to noncurrent loans | 1,120.5479% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 6,277 |
| Noncurrent loans to loans | 0.1160% | 6,124 |
| Net loans and leases to total assets | 71.2204% | 1,488 |
| Net loans and leases to deposits | 79.0980% | 2,197 |
| Net loans and leases to core deposits | 86.1812% | 2,088 |
| Total domestic deposits to total assets | 90.0407% | 1,022 |
| Equity capital to assets | 9.7667% | 4,471 |
| Core capital (leverage) ratio | 9.6578% | 3,840 |
| Tier 1 risk-based capital ratio | 12.4042% | 5,637 |
| Total risk-based capital ratio | 13.6317% | 5,607 |
| Memoranda: | ||
| Average total assets | $86,395,500 | 5,187 |
| Average earning assets | $82,150,000 | 5,084 |
| Average equity | $8,470,500 | 5,368 |
| Average total loans | $62,544,500 | 4,617 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0876% | 1,336 |
| Cost of funding earning assets | 0.6456% | 3,954 |
| Net interest margin | 4.4420% | 1,067 |
| Noninterest income to average assets | 0.4769% | 4,054 |
| Noninterest expense to average assets | 3.7602% | 1,314 |
| Loan and lease loss provision to assets | 0.3562% | 1,876 |
| Net operating income to assets | 0.2907% | 5,500 |
| Return on assets (ROA) | 0.2976% | 5,683 |
| Pretax return on assets | 0.4912% | 5,305 |
| Return on Equity (ROE) | 3.1141% | 5,511 |
| Retained earnings to average equity (ytd only) | 3.1141% | 4,045 |
| Net charge-offs to loans | 0.4360% | 2,491 |
| Credit loss provision to net charge-offs | 109.1575% | 2,691 |
| Earnings coverage of net charge-offs (x) | 2.5641% | 4,134 |
| Efficiency ratio | 80.8372% | 2,027 |
| Assets per employee ($millions) | 3.5653% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 4,986 |
| Loan loss allowance to noncurrent loans | 146.4491% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 4,902 |
| Noncurrent loans to loans | 0.8383% | 4,515 |
| Net loans and leases to total assets | 71.7411% | 1,526 |
| Net loans and leases to deposits | 79.7241% | 2,325 |
| Net loans and leases to core deposits | 87.6279% | 2,130 |
| Total domestic deposits to total assets | 89.9867% | 959 |
| Equity capital to assets | 9.8427% | 4,394 |
| Core capital (leverage) ratio | 9.6929% | 3,816 |
| Tier 1 risk-based capital ratio | 12.4450% | 5,512 |
| Total risk-based capital ratio | 13.6236% | 5,510 |
| Memoranda: | ||
| Average total assets | $83,666,800 | 5,256 |
| Average earning assets | $77,600,000 | 5,201 |
| Average equity | $7,995,800 | 5,507 |
| Average total loans | $62,608,000 | 4,605 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1886% | 1,222 |
| Cost of funding earning assets | 0.6846% | 3,900 |
| Net interest margin | 4.5039% | 980 |
| Noninterest income to average assets | 0.5000% | 3,928 |
| Noninterest expense to average assets | 3.6910% | 1,379 |
| Loan and lease loss provision to assets | 0.4023% | 1,592 |
| Net operating income to assets | 0.3386% | 5,480 |
| Return on assets (ROA) | 0.3478% | 5,645 |
| Pretax return on assets | 0.5754% | 5,245 |
| Return on Equity (ROE) | 3.6674% | 5,426 |
| Retained earnings to average equity (ytd only) | 3.6674% | 4,307 |
| Net charge-offs to loans | 0.4145% | 2,431 |
| Credit loss provision to net charge-offs | 128.7179% | 2,236 |
| Earnings coverage of net charge-offs (x) | 3.0821% | 3,790 |
| Efficiency ratio | 78.3402% | 2,349 |
| Assets per employee ($millions) | 3.3425% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 5,134 |
| Loan loss allowance to noncurrent loans | 124.6468% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7882% | 4,738 |
| Noncurrent loans to loans | 0.9882% | 4,466 |
| Net loans and leases to total assets | 73.2585% | 1,360 |
| Net loans and leases to deposits | 81.2481% | 2,219 |
| Net loans and leases to core deposits | 89.7501% | 2,015 |
| Total domestic deposits to total assets | 90.1664% | 755 |
| Equity capital to assets | 9.6392% | 5,010 |
| Core capital (leverage) ratio | 9.8235% | 3,786 |
| Tier 1 risk-based capital ratio | 11.9005% | 5,995 |
| Total risk-based capital ratio | 13.0789% | 6,022 |
| Memoranda: | ||
| Average total assets | $83,192,000 | 5,318 |
| Average earning assets | $76,730,750 | 5,271 |
| Average equity | $7,889,250 | 5,589 |
| Average total loans | $62,722,750 | 4,651 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2635% | 1,115 |
| Cost of funding earning assets | 0.7245% | 3,812 |
| Net interest margin | 4.5390% | 929 |
| Noninterest income to average assets | 0.5125% | 3,843 |
| Noninterest expense to average assets | 3.7265% | 1,329 |
| Loan and lease loss provision to assets | 0.1611% | 3,499 |
| Net operating income to assets | 0.5036% | 4,807 |
| Return on assets (ROA) | 0.5052% | 5,056 |
| Pretax return on assets | 0.8322% | 4,346 |
| Return on Equity (ROE) | 5.3581% | 4,644 |
| Retained earnings to average equity (ytd only) | 5.3581% | 3,066 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0135% | 2,454 |
| Assets per employee ($millions) | 3.4574% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 5,269 |
| Loan loss allowance to noncurrent loans | 687.1795% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 6,261 |
| Noncurrent loans to loans | 0.1776% | 6,228 |
| Net loans and leases to total assets | 78.4401% | 675 |
| Net loans and leases to deposits | 87.3641% | 1,434 |
| Net loans and leases to core deposits | 96.8874% | 1,361 |
| Total domestic deposits to total assets | 89.7852% | 1,053 |
| Equity capital to assets | 10.0460% | 4,267 |
| Core capital (leverage) ratio | 9.8796% | 3,608 |
| Tier 1 risk-based capital ratio | 11.5159% | 6,204 |
| Total risk-based capital ratio | 12.6744% | 6,239 |
| Memoranda: | ||
| Average total assets | $81,954,000 | 5,380 |
| Average earning assets | $75,919,330 | 5,326 |
| Average equity | $7,726,670 | 5,645 |
| Average total loans | $62,143,670 | 4,709 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3358% | 1,032 |
| Cost of funding earning assets | 0.7363% | 3,974 |
| Net interest margin | 4.5995% | 827 |
| Noninterest income to average assets | 0.4666% | 4,175 |
| Noninterest expense to average assets | 3.7818% | 1,236 |
| Loan and lease loss provision to assets | 0.0835% | 4,341 |
| Net operating income to assets | 0.5076% | 4,794 |
| Return on assets (ROA) | 0.5108% | 4,995 |
| Pretax return on assets | 0.8399% | 4,267 |
| Return on Equity (ROE) | 5.6050% | 4,498 |
| Retained earnings to average equity (ytd only) | 5.6050% | 3,199 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5193% | 2,264 |
| Assets per employee ($millions) | 3.6322% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 5,314 |
| Loan loss allowance to noncurrent loans | 618.8525% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 6,353 |
| Noncurrent loans to loans | 0.2004% | 6,282 |
| Net loans and leases to total assets | 71.9718% | 1,407 |
| Net loans and leases to deposits | 79.2070% | 2,312 |
| Net loans and leases to core deposits | 87.5681% | 2,109 |
| Total domestic deposits to total assets | 90.8656% | 613 |
| Equity capital to assets | 8.9824% | 5,524 |
| Core capital (leverage) ratio | 9.0656% | 4,743 |
| Tier 1 risk-based capital ratio | 10.7401% | 6,648 |
| Total risk-based capital ratio | 11.8731% | 6,687 |
| Memoranda: | ||
| Average total assets | $81,442,000 | 5,428 |
| Average earning assets | $74,965,000 | 5,403 |
| Average equity | $7,422,000 | 5,759 |
| Average total loans | $60,269,500 | 4,807 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2976% | 1,705 |
| Cost of funding earning assets | 0.9197% | 3,962 |
| Net interest margin | 4.3780% | 1,452 |
| Noninterest income to average assets | 0.3553% | 4,964 |
| Noninterest expense to average assets | 3.5930% | 1,759 |
| Loan and lease loss provision to assets | 0.0049% | 6,458 |
| Net operating income to assets | 0.4859% | 4,487 |
| Return on assets (ROA) | 0.4867% | 4,689 |
| Pretax return on assets | 0.7726% | 4,074 |
| Return on Equity (ROE) | 5.5628% | 4,095 |
| Retained earnings to average equity (ytd only) | 5.5628% | 2,263 |
| Net charge-offs to loans | 0.1131% | 5,243 |
| Credit loss provision to net charge-offs | 6.0606% | 6,036 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,946 |
| Efficiency ratio | 81.6207% | 2,075 |
| Assets per employee ($millions) | 3.4497% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 5,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 6,777 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 74.2599% | 1,225 |
| Net loans and leases to deposits | 81.9882% | 2,203 |
| Net loans and leases to core deposits | 93.1173% | 1,785 |
| Total domestic deposits to total assets | 90.5738% | 675 |
| Equity capital to assets | 9.2510% | 5,209 |
| Core capital (leverage) ratio | 8.9383% | 4,881 |
| Tier 1 risk-based capital ratio | 10.7160% | 6,596 |
| Total risk-based capital ratio | 11.8484% | 6,620 |
| Memoranda: | ||
| Average total assets | $82,187,400 | 5,398 |
| Average earning assets | $75,354,200 | 5,363 |
| Average equity | $7,190,600 | 5,814 |
| Average total loans | $58,341,800 | 4,930 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 1,915 |
| Cost of funding earning assets | 0.9641% | 3,935 |
| Net interest margin | 4.3227% | 1,629 |
| Noninterest income to average assets | 0.3474% | 5,081 |
| Noninterest expense to average assets | 3.5191% | 1,893 |
| Loan and lease loss provision to assets | 0.0097% | 6,311 |
| Net operating income to assets | 0.4815% | 4,627 |
| Return on assets (ROA) | 0.4825% | 4,815 |
| Pretax return on assets | 0.7720% | 4,234 |
| Return on Equity (ROE) | 5.5917% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.5917% | 2,798 |
| Net charge-offs to loans | 0.1103% | 4,903 |
| Credit loss provision to net charge-offs | 12.5000% | 5,644 |
| Earnings coverage of net charge-offs (x) | 10.1039% | 1,972 |
| Efficiency ratio | 81.3318% | 2,066 |
| Assets per employee ($millions) | 3.7075% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 5,078 |
| Loan loss allowance to noncurrent loans | 465.0307% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 6,392 |
| Noncurrent loans to loans | 0.2763% | 6,316 |
| Net loans and leases to total assets | 71.4035% | 1,834 |
| Net loans and leases to deposits | 78.5629% | 2,877 |
| Net loans and leases to core deposits | 88.5337% | 2,422 |
| Total domestic deposits to total assets | 90.8871% | 475 |
| Equity capital to assets | 8.9106% | 5,847 |
| Core capital (leverage) ratio | 8.8483% | 5,183 |
| Tier 1 risk-based capital ratio | 10.8570% | 6,629 |
| Total risk-based capital ratio | 12.0383% | 6,650 |
| Memoranda: | ||
| Average total assets | $82,898,500 | 5,411 |
| Average earning assets | $75,784,500 | 5,388 |
| Average equity | $7,153,250 | 5,860 |
| Average total loans | $58,012,750 | 4,996 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2359% | 2,118 |
| Cost of funding earning assets | 0.9999% | 3,947 |
| Net interest margin | 4.2360% | 1,893 |
| Noninterest income to average assets | 0.3360% | 5,202 |
| Noninterest expense to average assets | 3.6044% | 1,728 |
| Loan and lease loss provision to assets | 0.0696% | 5,437 |
| Net operating income to assets | 0.3320% | 5,238 |
| Return on assets (ROA) | 0.3336% | 5,372 |
| Pretax return on assets | 0.5375% | 4,942 |
| Return on Equity (ROE) | 3.9072% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.9072% | 3,708 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1197% | 1,690 |
| Assets per employee ($millions) | 3.6556% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 4,463 |
| Loan loss allowance to noncurrent loans | 398.5577% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 6,310 |
| Noncurrent loans to loans | 0.3573% | 6,197 |
| Net loans and leases to total assets | 71.3456% | 1,920 |
| Net loans and leases to deposits | 78.5078% | 3,038 |
| Net loans and leases to core deposits | 89.2350% | 2,470 |
| Total domestic deposits to total assets | 90.8771% | 551 |
| Equity capital to assets | 8.9488% | 5,652 |
| Core capital (leverage) ratio | 8.4778% | 5,587 |
| Tier 1 risk-based capital ratio | 10.8384% | 6,631 |
| Total risk-based capital ratio | 12.0892% | 6,604 |
| Memoranda: | ||
| Average total assets | $83,342,670 | 5,447 |
| Average earning assets | $76,204,000 | 5,429 |
| Average equity | $7,115,000 | 5,892 |
| Average total loans | $57,684,000 | 5,056 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1927% | 2,249 |
| Cost of funding earning assets | 1.0623% | 3,772 |
| Net interest margin | 4.1305% | 2,155 |
| Noninterest income to average assets | 0.3255% | 5,314 |
| Noninterest expense to average assets | 3.5235% | 1,941 |
| Loan and lease loss provision to assets | 0.3538% | 2,428 |
| Net operating income to assets | 0.1368% | 5,982 |
| Return on assets (ROA) | 0.1368% | 6,038 |
| Pretax return on assets | 0.2264% | 5,884 |
| Return on Equity (ROE) | 1.6398% | 5,933 |
| Retained earnings to average equity (ytd only) | 1.6398% | 5,133 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4023% | 1,787 |
| Assets per employee ($millions) | 3.6680% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 4,054 |
| Loan loss allowance to noncurrent loans | 1,861.7021% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 6,863 |
| Noncurrent loans to loans | 0.0822% | 6,835 |
| Net loans and leases to total assets | 66.7619% | 2,821 |
| Net loans and leases to deposits | 73.0301% | 3,917 |
| Net loans and leases to core deposits | 85.4103% | 2,975 |
| Total domestic deposits to total assets | 91.4170% | 437 |
| Equity capital to assets | 8.3958% | 6,056 |
| Core capital (leverage) ratio | 8.3510% | 5,711 |
| Tier 1 risk-based capital ratio | 10.9458% | 6,545 |
| Total risk-based capital ratio | 12.1978% | 6,521 |
| Memoranda: | ||
| Average total assets | $84,802,000 | 5,449 |
| Average earning assets | $77,570,000 | 5,425 |
| Average equity | $7,074,000 | 5,906 |
| Average total loans | $57,422,000 | 5,113 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5363% | 2,136 |
| Cost of funding earning assets | 1.4483% | 2,960 |
| Net interest margin | 4.0880% | 2,626 |
| Noninterest income to average assets | 0.4135% | 4,793 |
| Noninterest expense to average assets | 3.6012% | 1,920 |
| Loan and lease loss provision to assets | 0.2879% | 4,497 |
| Net operating income to assets | 0.2057% | 5,254 |
| Return on assets (ROA) | 0.2423% | 5,282 |
| Pretax return on assets | 0.3945% | 4,962 |
| Return on Equity (ROE) | 2.7358% | 5,067 |
| Retained earnings to average equity (ytd only) | 2.7358% | 3,942 |
| Net charge-offs to loans | 0.1253% | 5,640 |
| Credit loss provision to net charge-offs | 324.2857% | 798 |
| Earnings coverage of net charge-offs (x) | 7.0429% | 2,210 |
| Efficiency ratio | 84.8739% | 1,814 |
| Assets per employee ($millions) | 3.8745% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 4,573 |
| Loan loss allowance to noncurrent loans | 1,739.1304% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 6,938 |
| Noncurrent loans to loans | 0.0798% | 6,932 |
| Net loans and leases to total assets | 66.6893% | 3,302 |
| Net loans and leases to deposits | 72.8505% | 4,374 |
| Net loans and leases to core deposits | 84.1241% | 3,578 |
| Total domestic deposits to total assets | 91.5427% | 389 |
| Equity capital to assets | 8.2884% | 6,160 |
| Core capital (leverage) ratio | 8.2187% | 5,801 |
| Tier 1 risk-based capital ratio | 10.9069% | 6,405 |
| Total risk-based capital ratio | 12.1566% | 6,378 |
| Memoranda: | ||
| Average total assets | $78,835,400 | 5,624 |
| Average earning assets | $73,532,800 | 5,554 |
| Average equity | $6,981,400 | 6,039 |
| Average total loans | $55,886,400 | 5,241 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6062% | 2,036 |
| Cost of funding earning assets | 1.5154% | 2,876 |
| Net interest margin | 4.0908% | 2,669 |
| Noninterest income to average assets | 0.4247% | 4,766 |
| Noninterest expense to average assets | 3.5959% | 1,805 |
| Loan and lease loss provision to assets | 0.2952% | 4,218 |
| Net operating income to assets | 0.2161% | 5,461 |
| Return on assets (ROA) | 0.2659% | 5,454 |
| Pretax return on assets | 0.4419% | 5,106 |
| Return on Equity (ROE) | 2.9499% | 5,242 |
| Retained earnings to average equity (ytd only) | 2.9499% | 4,368 |
| Net charge-offs to loans | 0.1683% | 4,962 |
| Credit loss provision to net charge-offs | 244.2857% | 1,374 |
| Earnings coverage of net charge-offs (x) | 5.4572% | 2,741 |
| Efficiency ratio | 84.1785% | 1,816 |
| Assets per employee ($millions) | 3.8126% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 5,069 |
| Loan loss allowance to noncurrent loans | 1,617.3913% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 7,030 |
| Noncurrent loans to loans | 0.0791% | 7,045 |
| Net loans and leases to total assets | 71.7513% | 2,306 |
| Net loans and leases to deposits | 78.8706% | 3,656 |
| Net loans and leases to core deposits | 92.2903% | 2,751 |
| Total domestic deposits to total assets | 90.9735% | 459 |
| Equity capital to assets | 8.7692% | 5,902 |
| Core capital (leverage) ratio | 8.6206% | 5,313 |
| Tier 1 risk-based capital ratio | 10.6121% | 6,698 |
| Total risk-based capital ratio | 11.7749% | 6,747 |
| Memoranda: | ||
| Average total assets | $77,234,250 | 5,740 |
| Average earning assets | $72,323,250 | 5,658 |
| Average equity | $6,960,500 | 6,128 |
| Average total loans | $55,446,500 | 5,330 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5382% | 2,376 |
| Cost of funding earning assets | 1.5303% | 3,072 |
| Net interest margin | 4.0080% | 2,976 |
| Noninterest income to average assets | 0.4273% | 4,699 |
| Noninterest expense to average assets | 3.5076% | 2,012 |
| Loan and lease loss provision to assets | 0.1573% | 5,320 |
| Net operating income to assets | 0.3378% | 5,036 |
| Return on assets (ROA) | 0.4116% | 4,856 |
| Pretax return on assets | 0.6816% | 4,302 |
| Return on Equity (ROE) | 4.5243% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.5243% | 3,193 |
| Net charge-offs to loans | 0.1064% | 5,092 |
| Credit loss provision to net charge-offs | 206.8966% | 1,875 |
| Earnings coverage of net charge-offs (x) | 9.5172% | 2,011 |
| Efficiency ratio | 82.5898% | 2,093 |
| Assets per employee ($millions) | 3.7643% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 5,540 |
| Loan loss allowance to noncurrent loans | 802.3810% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 6,935 |
| Noncurrent loans to loans | 0.1474% | 6,966 |
| Net loans and leases to total assets | 71.2274% | 2,607 |
| Net loans and leases to deposits | 78.4304% | 3,894 |
| Net loans and leases to core deposits | 95.1597% | 2,565 |
| Total domestic deposits to total assets | 90.8161% | 561 |
| Equity capital to assets | 8.8677% | 5,649 |
| Core capital (leverage) ratio | 8.8476% | 4,840 |
| Tier 1 risk-based capital ratio | 10.9742% | 6,264 |
| Total risk-based capital ratio | 12.0649% | 6,420 |
| Memoranda: | ||
| Average total assets | $76,291,000 | 5,796 |
| Average earning assets | $72,405,670 | 5,693 |
| Average equity | $6,940,330 | 6,158 |
| Average total loans | $54,531,670 | 5,397 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5011% | 2,573 |
| Cost of funding earning assets | 1.5541% | 3,240 |
| Net interest margin | 3.9471% | 3,120 |
| Noninterest income to average assets | 0.3845% | 5,050 |
| Noninterest expense to average assets | 3.5135% | 1,947 |
| Loan and lease loss provision to assets | 0.1495% | 5,056 |
| Net operating income to assets | 0.2796% | 5,372 |
| Return on assets (ROA) | 0.2830% | 5,492 |
| Pretax return on assets | 0.4699% | 5,057 |
| Return on Equity (ROE) | 3.0700% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.0700% | 4,297 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8642% | 1,924 |
| Assets per employee ($millions) | 3.6646% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 5,294 |
| Loan loss allowance to noncurrent loans | 486.2319% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 6,828 |
| Noncurrent loans to loans | 0.2544% | 6,827 |
| Net loans and leases to total assets | 69.6038% | 3,036 |
| Net loans and leases to deposits | 76.8993% | 4,240 |
| Net loans and leases to core deposits | 94.2051% | 2,817 |
| Total domestic deposits to total assets | 90.5129% | 729 |
| Equity capital to assets | 9.0323% | 5,229 |
| Core capital (leverage) ratio | 9.1305% | 4,324 |
| Tier 1 risk-based capital ratio | 11.3730% | 5,793 |
| Total risk-based capital ratio | 12.5149% | 5,849 |
| Memoranda: | ||
| Average total assets | $74,911,000 | 5,911 |
| Average earning assets | $71,040,000 | 5,814 |
| Average equity | $6,905,500 | 6,221 |
| Average total loans | $53,307,500 | 5,524 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0389% | 1,717 |
| Cost of funding earning assets | 1.8678% | 3,629 |
| Net interest margin | 4.1711% | 2,173 |
| Noninterest income to average assets | 0.5515% | 4,010 |
| Noninterest expense to average assets | 3.7582% | 1,780 |
| Loan and lease loss provision to assets | 0.1803% | 5,897 |
| Net operating income to assets | 0.3302% | 4,415 |
| Return on assets (ROA) | 0.3381% | 4,470 |
| Pretax return on assets | 0.5109% | 4,154 |
| Return on Equity (ROE) | 3.4181% | 4,325 |
| Retained earnings to average equity (ytd only) | 3.4181% | 2,777 |
| Net charge-offs to loans | -0.0080% | 7,735 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4903% | 2,293 |
| Assets per employee ($millions) | 3.6433% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 5,191 |
| Loan loss allowance to noncurrent loans | 2,296.4286% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 7,186 |
| Noncurrent loans to loans | 0.0535% | 7,291 |
| Net loans and leases to total assets | 71.0025% | 3,000 |
| Net loans and leases to deposits | 78.7698% | 4,218 |
| Net loans and leases to core deposits | 102.4780% | 3,750 |
| Total domestic deposits to total assets | 90.1393% | 901 |
| Equity capital to assets | 9.4147% | 4,534 |
| Core capital (leverage) ratio | 9.4186% | 3,814 |
| Tier 1 risk-based capital ratio | 11.6642% | 5,235 |
| Total risk-based capital ratio | 12.7927% | 5,315 |
| Memoranda: | ||
| Average total assets | $66,548,200 | 6,126 |
| Average earning assets | $61,998,400 | 6,061 |
| Average equity | $6,582,600 | 6,396 |
| Average total loans | $49,982,400 | 5,669 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1439% | 1,511 |
| Cost of funding earning assets | 1.9359% | 3,680 |
| Net interest margin | 4.2081% | 2,025 |
| Noninterest income to average assets | 0.4597% | 4,825 |
| Noninterest expense to average assets | 3.7904% | 1,609 |
| Loan and lease loss provision to assets | 0.2381% | 5,062 |
| Net operating income to assets | 0.2367% | 5,032 |
| Return on assets (ROA) | 0.2483% | 5,079 |
| Pretax return on assets | 0.3509% | 4,929 |
| Return on Equity (ROE) | 2.4770% | 5,002 |
| Retained earnings to average equity (ytd only) | 2.4770% | 3,940 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6416% | 2,003 |
| Assets per employee ($millions) | 3.7626% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 5,093 |
| Loan loss allowance to noncurrent loans | 1,076.2712% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 5,845 |
| Noncurrent loans to loans | 0.1117% | 7,197 |
| Net loans and leases to total assets | 72.9920% | 2,794 |
| Net loans and leases to deposits | 81.2007% | 4,166 |
| Net loans and leases to core deposits | 106.5047% | 3,644 |
| Total domestic deposits to total assets | 89.8909% | 811 |
| Equity capital to assets | 9.4643% | 4,792 |
| Core capital (leverage) ratio | 9.7735% | 3,546 |
| Tier 1 risk-based capital ratio | 11.2385% | 5,703 |
| Total risk-based capital ratio | 12.3277% | 5,831 |
| Memoranda: | ||
| Average total assets | $64,969,000 | 6,209 |
| Average earning assets | $60,263,750 | 6,164 |
| Average equity | $6,513,250 | 6,480 |
| Average total loans | $49,383,250 | 5,748 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1809% | 1,519 |
| Cost of funding earning assets | 2.0284% | 3,637 |
| Net interest margin | 4.1525% | 2,152 |
| Noninterest income to average assets | 0.3599% | 5,634 |
| Noninterest expense to average assets | 3.9143% | 1,456 |
| Loan and lease loss provision to assets | 0.2739% | 4,387 |
| Net operating income to assets | 0.0268% | 5,768 |
| Return on assets (ROA) | 0.0446% | 5,813 |
| Pretax return on assets | 0.0637% | 5,756 |
| Return on Equity (ROE) | 0.4355% | 5,802 |
| Retained earnings to average equity (ytd only) | 0.4355% | 5,043 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3888% | 1,609 |
| Assets per employee ($millions) | 3.4469% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 5,090 |
| Loan loss allowance to noncurrent loans | 187.3065% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 5,073 |
| Noncurrent loans to loans | 0.6289% | 5,990 |
| Net loans and leases to total assets | 77.5038% | 1,862 |
| Net loans and leases to deposits | 86.7110% | 3,416 |
| Net loans and leases to core deposits | 119.1698% | 2,439 |
| Total domestic deposits to total assets | 89.3817% | 1,092 |
| Equity capital to assets | 9.9953% | 3,942 |
| Core capital (leverage) ratio | 9.9384% | 3,361 |
| Tier 1 risk-based capital ratio | 11.3862% | 5,511 |
| Total risk-based capital ratio | 12.4596% | 5,595 |
| Memoranda: | ||
| Average total assets | $62,795,330 | 6,340 |
| Average earning assets | $58,470,670 | 6,291 |
| Average equity | $6,429,000 | 6,560 |
| Average total loans | $48,238,670 | 5,837 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1139% | 1,899 |
| Cost of funding earning assets | 2.1010% | 3,639 |
| Net interest margin | 4.0129% | 2,593 |
| Noninterest income to average assets | 0.5338% | 4,034 |
| Noninterest expense to average assets | 3.8993% | 1,312 |
| Loan and lease loss provision to assets | 0.3645% | 3,135 |
| Net operating income to assets | -0.0042% | 6,264 |
| Return on assets (ROA) | 0.0000% | 6,399 |
| Pretax return on assets | 0.0065% | 6,361 |
| Return on Equity (ROE) | 0.0000% | 6,405 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,638 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1450% | 1,639 |
| Assets per employee ($millions) | 3.5753% | 4,637 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 4,951 |
| Loan loss allowance to noncurrent loans | 178.0186% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 1.0302% | 4,635 |
| Noncurrent loans to loans | 0.6614% | 5,747 |
| Net loans and leases to total assets | 74.9949% | 2,502 |
| Net loans and leases to deposits | 83.7274% | 4,024 |
| Net loans and leases to core deposits | 116.8935% | 2,692 |
| Total domestic deposits to total assets | 89.5704% | 984 |
| Equity capital to assets | 9.8065% | 4,233 |
| Core capital (leverage) ratio | 10.7013% | 2,739 |
| Tier 1 risk-based capital ratio | 11.8331% | 5,092 |
| Total risk-based capital ratio | 12.8936% | 5,174 |
| Memoranda: | ||
| Average total assets | $61,447,500 | 6,423 |
| Average earning assets | $57,116,000 | 6,372 |
| Average equity | $6,370,500 | 6,634 |
| Average total loans | $46,676,500 | 5,931 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1454% | 822 |
| Cost of funding earning assets | 2.5773% | 3,812 |
| Net interest margin | 4.5682% | 1,263 |
| Noninterest income to average assets | 0.2802% | 6,457 |
| Noninterest expense to average assets | 4.1445% | 1,210 |
| Loan and lease loss provision to assets | 0.3057% | 3,926 |
| Net operating income to assets | 0.0339% | 6,271 |
| Return on assets (ROA) | 0.2234% | 5,606 |
| Pretax return on assets | 0.2861% | 5,537 |
| Return on Equity (ROE) | 1.7920% | 5,675 |
| Retained earnings to average equity (ytd only) | 1.7920% | 4,124 |
| Net charge-offs to loans | 0.1498% | 4,710 |
| Credit loss provision to net charge-offs | 264.4068% | 1,751 |
| Earnings coverage of net charge-offs (x) | 3.0169% | 4,580 |
| Efficiency ratio | 91.5831% | 1,405 |
| Assets per employee ($millions) | 2.9270% | 6,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 4,807 |
| Loan loss allowance to noncurrent loans | 160.6811% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 4,009 |
| Noncurrent loans to loans | 0.7256% | 5,219 |
| Net loans and leases to total assets | 75.1554% | 2,843 |
| Net loans and leases to deposits | 85.1794% | 4,230 |
| Net loans and leases to core deposits | 112.8189% | 3,469 |
| Total domestic deposits to total assets | 88.2320% | 1,367 |
| Equity capital to assets | 10.9839% | 3,049 |
| Core capital (leverage) ratio | 11.3060% | 2,367 |
| Tier 1 risk-based capital ratio | 12.9197% | 4,152 |
| Total risk-based capital ratio | 13.9664% | 4,194 |
| Memoranda: | ||
| Average total assets | $51,031,000 | 6,731 |
| Average earning assets | $47,065,000 | 6,709 |
| Average equity | $6,361,600 | 6,686 |
| Average total loans | $39,397,800 | 6,200 |