Home > Mountain View Bank of Commerce > Performance and Condition Ratios
Mountain View Bank of Commerce, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9771% | 656 |
| Cost of funding earning assets | 2.0105% | 904 |
| Net interest margin | 3.9666% | 1,257 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.8889% | 1,299 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 1.0579% | 2,046 |
| Return on assets (ROA) | 1.0579% | 2,010 |
| Pretax return on assets | 1.3428% | 1,758 |
| Return on Equity (ROE) | 9.5800% | 2,616 |
| Retained earnings to average equity (ytd only) | 9.5789% | 1,119 |
| Net charge-offs to loans | -0.0089% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.9596% | 2,015 |
| Assets per employee ($millions) | 7.6139% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 1,418 |
| Loan loss allowance to noncurrent loans | 601.8817% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 2,205 |
| Noncurrent loans to loans | 0.2308% | 2,392 |
| Net loans and leases to total assets | 86.9800% | 118 |
| Net loans and leases to deposits | 114.2581% | 133 |
| Net loans and leases to core deposits | 187.5543% | 90 |
| Total domestic deposits to total assets | 76.1300% | 3,932 |
| Equity capital to assets | 11.4801% | 1,291 |
| Core capital (leverage) ratio | 11.6296% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4136% | 1,716 |
| Memoranda: | ||
| Average total assets | $181,487,000 | 3,112 |
| Average earning assets | $176,472,200 | 3,038 |
| Average equity | $20,044,000 | 2,852 |
| Average total loans | $157,556,800 | 2,616 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8327% | 652 |
| Cost of funding earning assets | 1.8322% | 958 |
| Net interest margin | 4.0004% | 1,213 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.9540% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0546% | 2,204 |
| Return on assets (ROA) | 1.0546% | 2,192 |
| Pretax return on assets | 1.3475% | 1,905 |
| Return on Equity (ROE) | 9.6400% | 2,752 |
| Retained earnings to average equity (ytd only) | 9.6445% | 1,508 |
| Net charge-offs to loans | -0.0119% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.6741% | 1,940 |
| Assets per employee ($millions) | 7.9342% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 1,458 |
| Loan loss allowance to noncurrent loans | 575.5784% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 2,245 |
| Noncurrent loans to loans | 0.2428% | 2,377 |
| Net loans and leases to total assets | 82.9800% | 362 |
| Net loans and leases to deposits | 108.2358% | 238 |
| Net loans and leases to core deposits | 165.3651% | 89 |
| Total domestic deposits to total assets | 76.6600% | 3,958 |
| Equity capital to assets | 10.7604% | 1,449 |
| Core capital (leverage) ratio | 11.2945% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0807% | 1,868 |
| Memoranda: | ||
| Average total assets | $181,175,250 | 3,126 |
| Average earning assets | $175,809,750 | 3,053 |
| Average equity | $19,810,500 | 2,863 |
| Average total loans | $156,651,000 | 2,629 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7565% | 590 |
| Cost of funding earning assets | 1.6836% | 906 |
| Net interest margin | 4.0729% | 1,125 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.9737% | 1,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0309% | 2,317 |
| Return on assets (ROA) | 1.0309% | 2,315 |
| Pretax return on assets | 1.3397% | 1,961 |
| Return on Equity (ROE) | 9.3800% | 2,866 |
| Retained earnings to average equity (ytd only) | 9.3750% | 1,580 |
| Net charge-offs to loans | -0.0180% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.9404% | 1,873 |
| Assets per employee ($millions) | 6.7495% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,468 |
| Loan loss allowance to noncurrent loans | 551.4778% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,076 |
| Noncurrent loans to loans | 0.2569% | 2,238 |
| Net loans and leases to total assets | 85.4900% | 181 |
| Net loans and leases to deposits | 110.8002% | 190 |
| Net loans and leases to core deposits | 169.2412% | 82 |
| Total domestic deposits to total assets | 77.1600% | 3,933 |
| Equity capital to assets | 10.9572% | 1,405 |
| Core capital (leverage) ratio | 11.4767% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9623% | 1,912 |
| Memoranda: | ||
| Average total assets | $178,093,667 | 3,150 |
| Average earning assets | $172,606,333 | 3,084 |
| Average equity | $19,584,000 | 2,899 |
| Average total loans | $155,452,333 | 2,632 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5943% | 530 |
| Cost of funding earning assets | 1.4103% | 1,003 |
| Net interest margin | 4.1840% | 975 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.9797% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2251% | 1,874 |
| Return on assets (ROA) | 1.2251% | 1,840 |
| Pretax return on assets | 1.5728% | 1,526 |
| Return on Equity (ROE) | 11.0600% | 2,475 |
| Retained earnings to average equity (ytd only) | 11.0646% | 1,457 |
| Net charge-offs to loans | -0.0337% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.4518% | 2,275 |
| Assets per employee ($millions) | 5.4469% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 1,361 |
| Loan loss allowance to noncurrent loans | 507.4830% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 1,858 |
| Noncurrent loans to loans | 0.2902% | 2,103 |
| Net loans and leases to total assets | 85.9000% | 137 |
| Net loans and leases to deposits | 104.0059% | 299 |
| Net loans and leases to core deposits | 156.4599% | 101 |
| Total domestic deposits to total assets | 82.5900% | 3,383 |
| Equity capital to assets | 11.3350% | 1,213 |
| Core capital (leverage) ratio | 11.4836% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1339% | 1,931 |
| Memoranda: | ||
| Average total assets | $175,991,500 | 3,212 |
| Average earning assets | $170,745,000 | 3,139 |
| Average equity | $19,485,500 | 2,934 |
| Average total loans | $154,161,500 | 2,668 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7866% | 443 |
| Cost of funding earning assets | 0.5102% | 1,317 |
| Net interest margin | 4.2765% | 450 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.9572% | 1,031 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 1.3062% | 1,402 |
| Return on assets (ROA) | 1.3062% | 1,369 |
| Pretax return on assets | 1.6858% | 953 |
| Return on Equity (ROE) | 12.2200% | 2,070 |
| Retained earnings to average equity (ytd only) | 12.2243% | 626 |
| Net charge-offs to loans | -0.0135% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.5273% | 2,429 |
| Assets per employee ($millions) | 6.1270% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 1,429 |
| Loan loss allowance to noncurrent loans | 485.8079% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 1,870 |
| Noncurrent loans to loans | 0.2929% | 2,090 |
| Net loans and leases to total assets | 86.7500% | 116 |
| Net loans and leases to deposits | 115.0489% | 107 |
| Net loans and leases to core deposits | 135.9180% | 171 |
| Total domestic deposits to total assets | 75.4000% | 4,289 |
| Equity capital to assets | 10.8137% | 1,337 |
| Core capital (leverage) ratio | 11.4217% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4190% | 2,193 |
| Memoranda: | ||
| Average total assets | $169,655,800 | 3,271 |
| Average earning assets | $166,025,000 | 3,194 |
| Average equity | $18,127,800 | 3,111 |
| Average total loans | $147,779,800 | 2,652 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 420 |
| Cost of funding earning assets | 0.4542% | 960 |
| Net interest margin | 4.1505% | 466 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.8980% | 1,062 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | 1.3353% | 1,254 |
| Return on assets (ROA) | 1.3353% | 1,230 |
| Pretax return on assets | 1.7083% | 889 |
| Return on Equity (ROE) | 12.5400% | 1,862 |
| Retained earnings to average equity (ytd only) | 12.5368% | 685 |
| Net charge-offs to loans | -0.0137% | 3,839 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.9298% | 2,563 |
| Assets per employee ($millions) | 5.7906% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 1,299 |
| Loan loss allowance to noncurrent loans | 612.6374% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 2,164 |
| Noncurrent loans to loans | 0.2442% | 2,404 |
| Net loans and leases to total assets | 87.4200% | 75 |
| Net loans and leases to deposits | 105.2669% | 203 |
| Net loans and leases to core deposits | 114.6345% | 352 |
| Total domestic deposits to total assets | 83.0500% | 3,683 |
| Equity capital to assets | 11.1692% | 1,116 |
| Core capital (leverage) ratio | 11.2405% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9269% | 2,086 |
| Memoranda: | ||
| Average total assets | $167,649,250 | 3,308 |
| Average earning assets | $164,378,750 | 3,232 |
| Average equity | $17,856,250 | 3,170 |
| Average total loans | $145,635,750 | 2,676 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 503 |
| Cost of funding earning assets | 0.4395% | 730 |
| Net interest margin | 3.8950% | 610 |
| Noninterest income to average assets | 0.5156% | 2,109 |
| Noninterest expense to average assets | 2.9208% | 958 |
| Loan and lease loss provision to assets | -0.0716% | 4,558 |
| Net operating income to assets | 1.1184% | 1,708 |
| Return on assets (ROA) | 1.1184% | 1,683 |
| Pretax return on assets | 1.4849% | 1,216 |
| Return on Equity (ROE) | 10.6742% | 2,103 |
| Retained earnings to average equity (ytd only) | 10.6742% | 853 |
| Net charge-offs to loans | -0.0125% | 3,669 |
| Credit loss provision to net charge-offs | 666.6667% | 529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3919% | 2,322 |
| Assets per employee ($millions) | 6.2551% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 1,332 |
| Loan loss allowance to noncurrent loans | 107.7364% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.2399% | 337 |
| Noncurrent loans to loans | 1.4199% | 533 |
| Net loans and leases to total assets | 85.9855% | 89 |
| Net loans and leases to deposits | 101.3349% | 234 |
| Net loans and leases to core deposits | 112.8711% | 303 |
| Total domestic deposits to total assets | 84.8528% | 3,517 |
| Equity capital to assets | 10.6241% | 1,381 |
| Core capital (leverage) ratio | 10.7223% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4556% | 2,303 |
| Memoranda: | ||
| Average total assets | $167,557,000 | 3,351 |
| Average earning assets | $164,260,667 | 3,276 |
| Average equity | $17,556,333 | 3,269 |
| Average total loans | $144,504,000 | 2,702 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 613 |
| Cost of funding earning assets | 0.4447% | 679 |
| Net interest margin | 3.6772% | 780 |
| Noninterest income to average assets | 0.4122% | 2,605 |
| Noninterest expense to average assets | 2.7755% | 1,205 |
| Loan and lease loss provision to assets | -0.0719% | 4,554 |
| Net operating income to assets | 0.9947% | 1,895 |
| Return on assets (ROA) | 0.9947% | 1,893 |
| Pretax return on assets | 1.3158% | 1,459 |
| Return on Equity (ROE) | 9.5606% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.5606% | 1,130 |
| Net charge-offs to loans | -0.0084% | 3,514 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0519% | 2,366 |
| Assets per employee ($millions) | 6.4842% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 1,334 |
| Loan loss allowance to noncurrent loans | 107.0423% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.2634% | 335 |
| Noncurrent loans to loans | 1.4724% | 567 |
| Net loans and leases to total assets | 84.4544% | 75 |
| Net loans and leases to deposits | 100.7016% | 160 |
| Net loans and leases to core deposits | 111.7565% | 225 |
| Total domestic deposits to total assets | 83.8660% | 3,796 |
| Equity capital to assets | 10.4224% | 1,622 |
| Core capital (leverage) ratio | 10.4982% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3337% | 2,469 |
| Memoranda: | ||
| Average total assets | $166,891,000 | 3,372 |
| Average earning assets | $163,712,000 | 3,291 |
| Average equity | $17,363,000 | 3,372 |
| Average total loans | $143,018,000 | 2,716 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 1,014 |
| Cost of funding earning assets | 0.6767% | 357 |
| Net interest margin | 3.5088% | 1,706 |
| Noninterest income to average assets | 1.2031% | 728 |
| Noninterest expense to average assets | 3.0626% | 900 |
| Loan and lease loss provision to assets | -0.0494% | 4,352 |
| Net operating income to assets | 1.2210% | 1,849 |
| Return on assets (ROA) | 1.2210% | 1,900 |
| Pretax return on assets | 1.6226% | 1,364 |
| Return on Equity (ROE) | 12.6138% | 1,601 |
| Retained earnings to average equity (ytd only) | 12.6138% | 454 |
| Net charge-offs to loans | -0.0073% | 3,648 |
| Credit loss provision to net charge-offs | 800.0000% | 603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0633% | 2,251 |
| Assets per employee ($millions) | 6.3536% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 1,193 |
| Loan loss allowance to noncurrent loans | 106.4605% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.3118% | 351 |
| Noncurrent loans to loans | 1.5328% | 585 |
| Net loans and leases to total assets | 84.1853% | 106 |
| Net loans and leases to deposits | 100.4689% | 185 |
| Net loans and leases to core deposits | 111.7864% | 259 |
| Total domestic deposits to total assets | 83.7924% | 3,613 |
| Equity capital to assets | 10.3848% | 2,288 |
| Core capital (leverage) ratio | 10.6183% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6455% | 2,386 |
| Memoranda: | ||
| Average total assets | $162,084,600 | 3,378 |
| Average earning assets | $158,574,200 | 3,293 |
| Average equity | $15,689,200 | 3,572 |
| Average total loans | $136,792,600 | 2,763 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2124% | 1,090 |
| Cost of funding earning assets | 0.7379% | 326 |
| Net interest margin | 3.4745% | 1,943 |
| Noninterest income to average assets | 1.2985% | 697 |
| Noninterest expense to average assets | 3.0574% | 882 |
| Loan and lease loss provision to assets | -0.0415% | 4,430 |
| Net operating income to assets | 1.2754% | 1,902 |
| Return on assets (ROA) | 1.2754% | 1,960 |
| Pretax return on assets | 1.6763% | 1,471 |
| Return on Equity (ROE) | 13.4263% | 1,566 |
| Retained earnings to average equity (ytd only) | 13.4263% | 577 |
| Net charge-offs to loans | -0.0059% | 3,486 |
| Credit loss provision to net charge-offs | 833.3333% | 571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1577% | 2,223 |
| Assets per employee ($millions) | 6.0540% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 1,187 |
| Loan loss allowance to noncurrent loans | 106.2415% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.3429% | 413 |
| Noncurrent loans to loans | 1.5667% | 659 |
| Net loans and leases to total assets | 84.2828% | 109 |
| Net loans and leases to deposits | 105.5427% | 140 |
| Net loans and leases to core deposits | 119.2241% | 189 |
| Total domestic deposits to total assets | 79.8566% | 4,248 |
| Equity capital to assets | 10.2289% | 2,679 |
| Core capital (leverage) ratio | 10.4829% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4554% | 2,565 |
| Memoranda: | ||
| Average total assets | $161,307,250 | 3,417 |
| Average earning assets | $157,561,750 | 3,335 |
| Average equity | $15,322,750 | 3,645 |
| Average total loans | $135,646,750 | 2,814 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 1,360 |
| Cost of funding earning assets | 0.8142% | 275 |
| Net interest margin | 3.2786% | 2,520 |
| Noninterest income to average assets | 0.9241% | 1,206 |
| Noninterest expense to average assets | 2.9940% | 999 |
| Loan and lease loss provision to assets | -0.0249% | 4,449 |
| Net operating income to assets | 0.8718% | 3,302 |
| Return on assets (ROA) | 0.8718% | 3,376 |
| Pretax return on assets | 1.1595% | 3,029 |
| Return on Equity (ROE) | 9.4232% | 2,973 |
| Retained earnings to average equity (ytd only) | 9.4232% | 1,578 |
| Net charge-offs to loans | -0.0030% | 3,288 |
| Credit loss provision to net charge-offs | 1,000.0000% | 465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5189% | 1,380 |
| Assets per employee ($millions) | 6.0541% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6594% | 1,152 |
| Loan loss allowance to noncurrent loans | 100.5113% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.4910% | 384 |
| Noncurrent loans to loans | 1.6509% | 649 |
| Net loans and leases to total assets | 88.8162% | 26 |
| Net loans and leases to deposits | 106.3295% | 155 |
| Net loans and leases to core deposits | 123.7514% | 181 |
| Total domestic deposits to total assets | 83.5292% | 3,567 |
| Equity capital to assets | 10.0860% | 2,776 |
| Core capital (leverage) ratio | 9.7421% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9504% | 2,738 |
| Memoranda: | ||
| Average total assets | $160,590,333 | 3,429 |
| Average earning assets | $156,958,000 | 3,341 |
| Average equity | $14,857,000 | 3,699 |
| Average total loans | $134,162,667 | 2,844 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 1,665 |
| Cost of funding earning assets | 0.8973% | 227 |
| Net interest margin | 3.0676% | 3,086 |
| Noninterest income to average assets | 1.1222% | 949 |
| Noninterest expense to average assets | 2.9991% | 998 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8460% | 3,284 |
| Return on assets (ROA) | 0.8460% | 3,363 |
| Pretax return on assets | 1.1247% | 3,051 |
| Return on Equity (ROE) | 9.5626% | 2,833 |
| Retained earnings to average equity (ytd only) | 9.5626% | 1,779 |
| Net charge-offs to loans | -0.0246% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 1,429 |
| Assets per employee ($millions) | 6.4227% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 886 |
| Loan loss allowance to noncurrent loans | 97.9064% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.4588% | 445 |
| Noncurrent loans to loans | 1.8300% | 623 |
| Net loans and leases to total assets | 78.2867% | 450 |
| Net loans and leases to deposits | 93.0490% | 543 |
| Net loans and leases to core deposits | 107.5860% | 468 |
| Total domestic deposits to total assets | 84.1350% | 3,391 |
| Equity capital to assets | 9.2934% | 3,396 |
| Core capital (leverage) ratio | 9.5340% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8114% | 2,367 |
| Memoranda: | ||
| Average total assets | $162,182,500 | 3,409 |
| Average earning assets | $158,691,500 | 3,320 |
| Average equity | $14,347,500 | 3,762 |
| Average total loans | $130,163,500 | 2,899 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 918 |
| Cost of funding earning assets | 1.1822% | 300 |
| Net interest margin | 3.5037% | 2,466 |
| Noninterest income to average assets | 1.1173% | 851 |
| Noninterest expense to average assets | 3.2822% | 926 |
| Loan and lease loss provision to assets | 0.5112% | 470 |
| Net operating income to assets | 0.5643% | 3,859 |
| Return on assets (ROA) | 0.5643% | 3,963 |
| Pretax return on assets | 0.7415% | 3,784 |
| Return on Equity (ROE) | 6.6986% | 3,327 |
| Retained earnings to average equity (ytd only) | 6.6986% | 1,510 |
| Net charge-offs to loans | -0.0110% | 4,278 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3759% | 1,634 |
| Assets per employee ($millions) | 6.5573% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 770 |
| Loan loss allowance to noncurrent loans | 96.9413% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.5581% | 452 |
| Noncurrent loans to loans | 1.9275% | 617 |
| Net loans and leases to total assets | 79.3226% | 475 |
| Net loans and leases to deposits | 93.6925% | 676 |
| Net loans and leases to core deposits | 109.3318% | 532 |
| Total domestic deposits to total assets | 84.6627% | 2,896 |
| Equity capital to assets | 8.3724% | 4,538 |
| Core capital (leverage) ratio | 8.4498% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1973% | 2,869 |
| Memoranda: | ||
| Average total assets | $150,632,800 | 3,403 |
| Average earning assets | $146,930,600 | 3,303 |
| Average equity | $12,689,200 | 3,897 |
| Average total loans | $127,780,200 | 2,891 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 446 |
| Cost of funding earning assets | 1.2230% | 339 |
| Net interest margin | 3.9391% | 1,258 |
| Noninterest income to average assets | 1.2174% | 730 |
| Noninterest expense to average assets | 3.3971% | 801 |
| Loan and lease loss provision to assets | 0.6895% | 312 |
| Net operating income to assets | 0.7376% | 3,327 |
| Return on assets (ROA) | 0.7376% | 3,428 |
| Pretax return on assets | 0.9712% | 3,156 |
| Return on Equity (ROE) | 8.7419% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.7419% | 1,058 |
| Net charge-offs to loans | -0.0125% | 4,283 |
| Credit loss provision to net charge-offs | -6,416.6667% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1681% | 2,290 |
| Assets per employee ($millions) | 6.3203% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 760 |
| Loan loss allowance to noncurrent loans | 2,012.7119% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,058 |
| Noncurrent loans to loans | 0.0884% | 4,013 |
| Net loans and leases to total assets | 82.9331% | 371 |
| Net loans and leases to deposits | 103.9835% | 387 |
| Net loans and leases to core deposits | 123.4082% | 347 |
| Total domestic deposits to total assets | 79.7561% | 3,915 |
| Equity capital to assets | 8.3224% | 4,560 |
| Core capital (leverage) ratio | 8.5721% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6162% | 2,757 |
| Memoranda: | ||
| Average total assets | $148,947,250 | 3,406 |
| Average earning assets | $145,207,250 | 3,303 |
| Average equity | $12,567,500 | 3,913 |
| Average total loans | $127,922,500 | 2,893 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5869% | 284 |
| Cost of funding earning assets | 1.2671% | 410 |
| Net interest margin | 4.3198% | 720 |
| Noninterest income to average assets | 1.0320% | 925 |
| Noninterest expense to average assets | 3.3962% | 855 |
| Loan and lease loss provision to assets | 0.6716% | 425 |
| Net operating income to assets | 0.8854% | 2,750 |
| Return on assets (ROA) | 0.8854% | 2,865 |
| Pretax return on assets | 1.1787% | 2,434 |
| Return on Equity (ROE) | 10.4418% | 1,830 |
| Retained earnings to average equity (ytd only) | 10.4418% | 701 |
| Net charge-offs to loans | -0.0127% | 4,271 |
| Credit loss provision to net charge-offs | -6,125.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7335% | 2,705 |
| Assets per employee ($millions) | 6.3028% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 1,338 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 4,147 |
| Noncurrent loans to loans | 0.0869% | 4,111 |
| Net loans and leases to total assets | 85.0812% | 183 |
| Net loans and leases to deposits | 106.5044% | 311 |
| Net loans and leases to core deposits | 124.8643% | 332 |
| Total domestic deposits to total assets | 79.8852% | 3,861 |
| Equity capital to assets | 7.9158% | 4,761 |
| Core capital (leverage) ratio | 8.6042% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9771% | 2,978 |
| Memoranda: | ||
| Average total assets | $145,927,000 | 3,421 |
| Average earning assets | $142,369,333 | 3,317 |
| Average equity | $12,373,333 | 3,938 |
| Average total loans | $126,091,333 | 2,907 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 1,377 |
| Cost of funding earning assets | 1.3614% | 469 |
| Net interest margin | 3.4560% | 3,137 |
| Noninterest income to average assets | 0.9375% | 986 |
| Noninterest expense to average assets | 3.3997% | 1,065 |
| Loan and lease loss provision to assets | 0.2629% | 1,188 |
| Net operating income to assets | 0.4848% | 3,931 |
| Return on assets (ROA) | 0.4848% | 3,989 |
| Pretax return on assets | 0.6484% | 3,814 |
| Return on Equity (ROE) | 5.4994% | 3,473 |
| Retained earnings to average equity (ytd only) | 5.4994% | 2,067 |
| Net charge-offs to loans | -0.0169% | 4,271 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8618% | 1,254 |
| Assets per employee ($millions) | 5.6566% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 1,793 |
| Loan loss allowance to noncurrent loans | 1,339.6825% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 4,163 |
| Noncurrent loans to loans | 0.1026% | 4,096 |
| Net loans and leases to total assets | 85.6295% | 160 |
| Net loans and leases to deposits | 105.6898% | 304 |
| Net loans and leases to core deposits | 125.8593% | 337 |
| Total domestic deposits to total assets | 81.0197% | 3,659 |
| Equity capital to assets | 8.8336% | 4,678 |
| Core capital (leverage) ratio | 9.0974% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4499% | 3,234 |
| Memoranda: | ||
| Average total assets | $136,953,500 | 3,488 |
| Average earning assets | $133,682,000 | 3,400 |
| Average equity | $12,074,000 | 3,989 |
| Average total loans | $118,378,500 | 2,974 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0131% | 1,442 |
| Cost of funding earning assets | 1.3322% | 699 |
| Net interest margin | 3.6809% | 2,867 |
| Noninterest income to average assets | 0.9903% | 988 |
| Noninterest expense to average assets | 3.8849% | 604 |
| Loan and lease loss provision to assets | 0.1402% | 1,523 |
| Net operating income to assets | 0.3964% | 4,598 |
| Return on assets (ROA) | 0.3964% | 4,633 |
| Pretax return on assets | 0.5333% | 4,519 |
| Return on Equity (ROE) | 4.1822% | 4,419 |
| Retained earnings to average equity (ytd only) | 4.1822% | 2,867 |
| Net charge-offs to loans | 0.0548% | 2,316 |
| Credit loss provision to net charge-offs | 296.4912% | 945 |
| Earnings coverage of net charge-offs (x) | 14.2456% | 2,295 |
| Efficiency ratio | 85.2256% | 590 |
| Assets per employee ($millions) | 4.9071% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 1,527 |
| Loan loss allowance to noncurrent loans | 1,264.2857% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 4,148 |
| Noncurrent loans to loans | 0.1105% | 4,087 |
| Net loans and leases to total assets | 84.8225% | 253 |
| Net loans and leases to deposits | 113.0307% | 137 |
| Net loans and leases to core deposits | 137.5843% | 191 |
| Total domestic deposits to total assets | 75.0438% | 4,702 |
| Equity capital to assets | 8.7975% | 4,788 |
| Core capital (leverage) ratio | 8.9712% | 4,549 |
| Tier 1 risk-based capital ratio | 10.1016% | 5,111 |
| Total risk-based capital ratio | 11.3530% | 5,065 |
| Memoranda: | ||
| Average total assets | $120,570,800 | 3,691 |
| Average earning assets | $116,874,000 | 3,603 |
| Average equity | $11,429,400 | 4,063 |
| Average total loans | $103,941,600 | 3,173 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0377% | 1,448 |
| Cost of funding earning assets | 1.2987% | 789 |
| Net interest margin | 3.7390% | 2,796 |
| Noninterest income to average assets | 0.9955% | 945 |
| Noninterest expense to average assets | 3.9639% | 553 |
| Loan and lease loss provision to assets | 0.0930% | 2,052 |
| Net operating income to assets | 0.4127% | 4,698 |
| Return on assets (ROA) | 0.4127% | 4,724 |
| Pretax return on assets | 0.5556% | 4,616 |
| Return on Equity (ROE) | 4.2674% | 4,536 |
| Retained earnings to average equity (ytd only) | 4.2674% | 3,264 |
| Net charge-offs to loans | 0.1025% | 1,445 |
| Credit loss provision to net charge-offs | 105.1282% | 2,163 |
| Earnings coverage of net charge-offs (x) | 7.3332% | 2,754 |
| Efficiency ratio | 85.9390% | 507 |
| Assets per employee ($millions) | 4.3264% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 1,581 |
| Loan loss allowance to noncurrent loans | 1,142.3077% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 4,189 |
| Noncurrent loans to loans | 0.1224% | 4,103 |
| Net loans and leases to total assets | 83.4640% | 406 |
| Net loans and leases to deposits | 112.6301% | 164 |
| Net loans and leases to core deposits | 137.2122% | 213 |
| Total domestic deposits to total assets | 74.1045% | 4,810 |
| Equity capital to assets | 9.1993% | 4,666 |
| Core capital (leverage) ratio | 9.5679% | 4,095 |
| Tier 1 risk-based capital ratio | 10.5500% | 5,061 |
| Total risk-based capital ratio | 11.8013% | 4,994 |
| Memoranda: | ||
| Average total assets | $117,590,500 | 3,780 |
| Average earning assets | $113,752,750 | 3,685 |
| Average equity | $11,372,750 | 4,114 |
| Average total loans | $101,433,000 | 3,247 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0523% | 1,347 |
| Cost of funding earning assets | 1.2725% | 814 |
| Net interest margin | 3.7798% | 2,649 |
| Noninterest income to average assets | 0.8803% | 1,121 |
| Noninterest expense to average assets | 3.8951% | 601 |
| Loan and lease loss provision to assets | 0.0696% | 2,430 |
| Net operating income to assets | 0.4227% | 4,693 |
| Return on assets (ROA) | 0.4227% | 4,716 |
| Pretax return on assets | 0.5689% | 4,597 |
| Return on Equity (ROE) | 4.2947% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.2947% | 3,103 |
| Net charge-offs to loans | -0.0220% | 4,574 |
| Credit loss provision to net charge-offs | -363.6364% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9171% | 554 |
| Assets per employee ($millions) | 4.5765% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 1,294 |
| Loan loss allowance to noncurrent loans | 288.5122% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 2,734 |
| Noncurrent loans to loans | 0.5180% | 2,729 |
| Net loans and leases to total assets | 84.8574% | 301 |
| Net loans and leases to deposits | 117.7999% | 108 |
| Net loans and leases to core deposits | 137.9442% | 215 |
| Total domestic deposits to total assets | 72.0352% | 4,973 |
| Equity capital to assets | 9.5984% | 4,314 |
| Core capital (leverage) ratio | 9.8414% | 3,773 |
| Tier 1 risk-based capital ratio | 10.9441% | 4,939 |
| Total risk-based capital ratio | 12.1974% | 4,847 |
| Memoranda: | ||
| Average total assets | $114,965,330 | 3,830 |
| Average earning assets | $111,117,000 | 3,757 |
| Average equity | $11,316,330 | 4,129 |
| Average total loans | $99,842,670 | 3,285 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0492% | 1,216 |
| Cost of funding earning assets | 1.2477% | 774 |
| Net interest margin | 3.8016% | 2,519 |
| Noninterest income to average assets | 0.8464% | 1,173 |
| Noninterest expense to average assets | 3.7077% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6091% | 4,208 |
| Return on assets (ROA) | 0.6091% | 4,250 |
| Pretax return on assets | 0.8180% | 4,000 |
| Return on Equity (ROE) | 6.1080% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.1080% | 2,414 |
| Net charge-offs to loans | -0.0244% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9249% | 883 |
| Assets per employee ($millions) | 4.5538% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 1,325 |
| Loan loss allowance to noncurrent loans | 374.5592% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 3,209 |
| Noncurrent loans to loans | 0.4018% | 3,150 |
| Net loans and leases to total assets | 85.4880% | 235 |
| Net loans and leases to deposits | 121.2778% | 73 |
| Net loans and leases to core deposits | 137.5182% | 215 |
| Total domestic deposits to total assets | 70.4894% | 5,094 |
| Equity capital to assets | 9.9698% | 3,854 |
| Core capital (leverage) ratio | 10.0830% | 3,512 |
| Tier 1 risk-based capital ratio | 11.3901% | 4,787 |
| Total risk-based capital ratio | 12.6435% | 4,691 |
| Memoranda: | ||
| Average total assets | $112,953,500 | 3,897 |
| Average earning assets | $109,323,500 | 3,825 |
| Average equity | $11,264,000 | 4,157 |
| Average total loans | $98,512,500 | 3,346 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 1,220 |
| Cost of funding earning assets | 1.0563% | 588 |
| Net interest margin | 3.8674% | 2,434 |
| Noninterest income to average assets | 0.6978% | 1,862 |
| Noninterest expense to average assets | 3.4064% | 1,142 |
| Loan and lease loss provision to assets | 0.2724% | 620 |
| Net operating income to assets | 0.5764% | 4,483 |
| Return on assets (ROA) | 0.5764% | 4,486 |
| Pretax return on assets | 0.7645% | 4,255 |
| Return on Equity (ROE) | 6.1716% | 4,122 |
| Retained earnings to average equity (ytd only) | 6.1716% | 2,105 |
| Net charge-offs to loans | -0.0205% | 4,708 |
| Credit loss provision to net charge-offs | -1,547.3684% | 4,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6632% | 1,273 |
| Assets per employee ($millions) | 4.8723% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,266 |
| Loan loss allowance to noncurrent loans | 251.8707% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 2,491 |
| Noncurrent loans to loans | 0.5987% | 2,486 |
| Net loans and leases to total assets | 86.3211% | 221 |
| Net loans and leases to deposits | 117.8375% | 122 |
| Net loans and leases to core deposits | 130.4713% | 311 |
| Total domestic deposits to total assets | 73.2543% | 4,993 |
| Equity capital to assets | 9.9747% | 3,702 |
| Core capital (leverage) ratio | 9.6281% | 3,975 |
| Tier 1 risk-based capital ratio | 11.3622% | 4,789 |
| Total risk-based capital ratio | 12.6155% | 4,692 |
| Memoranda: | ||
| Average total assets | $107,913,400 | 3,968 |
| Average earning assets | $104,513,600 | 3,907 |
| Average equity | $10,078,400 | 4,285 |
| Average total loans | $92,671,800 | 3,431 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 1,371 |
| Cost of funding earning assets | 0.9696% | 686 |
| Net interest margin | 3.8514% | 2,467 |
| Noninterest income to average assets | 0.8333% | 1,368 |
| Noninterest expense to average assets | 3.2336% | 1,452 |
| Loan and lease loss provision to assets | 0.3356% | 415 |
| Net operating income to assets | 0.7485% | 4,077 |
| Return on assets (ROA) | 0.7485% | 4,089 |
| Pretax return on assets | 0.9905% | 3,740 |
| Return on Equity (ROE) | 8.1601% | 3,483 |
| Retained earnings to average equity (ytd only) | 8.1601% | 1,576 |
| Net charge-offs to loans | -0.0190% | 4,609 |
| Credit loss provision to net charge-offs | -2,069.2308% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9166% | 2,050 |
| Assets per employee ($millions) | 6.1383% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 1,380 |
| Loan loss allowance to noncurrent loans | 243.6975% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 2,679 |
| Noncurrent loans to loans | 0.6114% | 2,554 |
| Net loans and leases to total assets | 82.1938% | 681 |
| Net loans and leases to deposits | 109.8240% | 293 |
| Net loans and leases to core deposits | 120.4148% | 562 |
| Total domestic deposits to total assets | 74.8414% | 4,902 |
| Equity capital to assets | 8.7080% | 4,791 |
| Core capital (leverage) ratio | 8.9222% | 4,778 |
| Tier 1 risk-based capital ratio | 10.6820% | 5,181 |
| Total risk-based capital ratio | 11.9347% | 5,090 |
| Memoranda: | ||
| Average total assets | $106,876,000 | 4,028 |
| Average earning assets | $103,405,250 | 3,964 |
| Average equity | $9,803,500 | 4,369 |
| Average total loans | $91,286,000 | 3,475 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 1,441 |
| Cost of funding earning assets | 0.8709% | 829 |
| Net interest margin | 3.8533% | 2,371 |
| Noninterest income to average assets | 0.5732% | 2,460 |
| Noninterest expense to average assets | 3.3139% | 1,285 |
| Loan and lease loss provision to assets | 0.2799% | 517 |
| Net operating income to assets | 0.5327% | 4,673 |
| Return on assets (ROA) | 0.5327% | 4,680 |
| Pretax return on assets | 0.7025% | 4,505 |
| Return on Equity (ROE) | 5.6989% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.6989% | 2,724 |
| Net charge-offs to loans | -0.0157% | 4,476 |
| Credit loss provision to net charge-offs | -2,071.4286% | 4,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1339% | 1,294 |
| Assets per employee ($millions) | 5.6609% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 1,703 |
| Loan loss allowance to noncurrent loans | 221.4765% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 2,571 |
| Noncurrent loans to loans | 0.6387% | 2,514 |
| Net loans and leases to total assets | 85.5305% | 303 |
| Net loans and leases to deposits | 121.0193% | 95 |
| Net loans and leases to core deposits | 134.0981% | 262 |
| Total domestic deposits to total assets | 70.6751% | 5,251 |
| Equity capital to assets | 9.1412% | 4,440 |
| Core capital (leverage) ratio | 9.3186% | 4,341 |
| Tier 1 risk-based capital ratio | 10.7120% | 5,188 |
| Total risk-based capital ratio | 11.9649% | 5,084 |
| Memoranda: | ||
| Average total assets | $103,625,330 | 4,117 |
| Average earning assets | $100,122,330 | 4,046 |
| Average equity | $9,686,000 | 4,428 |
| Average total loans | $89,277,670 | 3,536 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6546% | 1,421 |
| Cost of funding earning assets | 0.8226% | 858 |
| Net interest margin | 3.8320% | 2,293 |
| Noninterest income to average assets | 0.6728% | 1,944 |
| Noninterest expense to average assets | 3.3602% | 1,236 |
| Loan and lease loss provision to assets | 0.4131% | 268 |
| Net operating income to assets | 0.4486% | 4,816 |
| Return on assets (ROA) | 0.4486% | 4,818 |
| Pretax return on assets | 0.6020% | 4,681 |
| Return on Equity (ROE) | 4.7436% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.7436% | 3,286 |
| Net charge-offs to loans | 0.0183% | 2,141 |
| Credit loss provision to net charge-offs | 2,625.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 801 |
| Efficiency ratio | 76.7986% | 1,487 |
| Assets per employee ($millions) | 5.5736% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 1,894 |
| Loan loss allowance to noncurrent loans | 211.5000% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 2,624 |
| Noncurrent loans to loans | 0.6551% | 2,587 |
| Net loans and leases to total assets | 85.2907% | 315 |
| Net loans and leases to deposits | 109.3368% | 272 |
| Net loans and leases to core deposits | 120.0979% | 583 |
| Total domestic deposits to total assets | 78.0073% | 4,728 |
| Equity capital to assets | 9.1313% | 4,433 |
| Core capital (leverage) ratio | 9.5969% | 3,964 |
| Tier 1 risk-based capital ratio | 10.9293% | 5,168 |
| Total risk-based capital ratio | 12.1816% | 5,078 |
| Memoranda: | ||
| Average total assets | $101,659,500 | 4,204 |
| Average earning assets | $98,225,000 | 4,125 |
| Average equity | $9,613,000 | 4,484 |
| Average total loans | $87,259,500 | 3,602 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 1,595 |
| Cost of funding earning assets | 0.7784% | 702 |
| Net interest margin | 3.7584% | 2,569 |
| Noninterest income to average assets | 0.1051% | 5,396 |
| Noninterest expense to average assets | 3.4570% | 1,115 |
| Loan and lease loss provision to assets | -0.1494% | 5,534 |
| Net operating income to assets | 0.0206% | 5,342 |
| Return on assets (ROA) | 0.0206% | 5,341 |
| Pretax return on assets | 0.3935% | 5,098 |
| Return on Equity (ROE) | 0.2194% | 5,335 |
| Retained earnings to average equity (ytd only) | 0.2194% | 4,933 |
| Net charge-offs to loans | -0.2393% | 5,542 |
| Credit loss provision to net charge-offs | 74.3590% | 3,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4038% | 312 |
| Assets per employee ($millions) | 5.4099% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 1,735 |
| Loan loss allowance to noncurrent loans | 169.2754% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 2.2243% | 458 |
| Noncurrent loans to loans | 0.8320% | 2,142 |
| Net loans and leases to total assets | 83.9615% | 451 |
| Net loans and leases to deposits | 109.3984% | 287 |
| Net loans and leases to core deposits | 121.4065% | 542 |
| Total domestic deposits to total assets | 76.7483% | 4,893 |
| Equity capital to assets | 9.7455% | 3,973 |
| Core capital (leverage) ratio | 9.7486% | 3,746 |
| Tier 1 risk-based capital ratio | 11.7023% | 4,719 |
| Total risk-based capital ratio | 12.9539% | 4,600 |
| Memoranda: | ||
| Average total assets | $97,078,000 | 4,287 |
| Average earning assets | $92,885,400 | 4,223 |
| Average equity | $9,116,400 | 4,594 |
| Average total loans | $81,496,000 | 3,721 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 1,626 |
| Cost of funding earning assets | 0.7788% | 656 |
| Net interest margin | 3.7260% | 2,671 |
| Noninterest income to average assets | -0.1911% | 5,720 |
| Noninterest expense to average assets | 3.2493% | 1,458 |
| Loan and lease loss provision to assets | -0.1993% | 5,654 |
| Net operating income to assets | 0.1966% | 5,359 |
| Return on assets (ROA) | 0.1966% | 5,371 |
| Pretax return on assets | 0.3230% | 5,290 |
| Return on Equity (ROE) | 2.1130% | 5,291 |
| Retained earnings to average equity (ytd only) | 2.1130% | 4,595 |
| Net charge-offs to loans | -0.2859% | 5,603 |
| Credit loss provision to net charge-offs | 83.3333% | 2,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3325% | 242 |
| Assets per employee ($millions) | 5.4762% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 1,792 |
| Loan loss allowance to noncurrent loans | 1,274.4444% | 503 |
| Noncurrent assets plus other real estate owned to assets | 1.5887% | 934 |
| Noncurrent loans to loans | 0.1118% | 4,609 |
| Net loans and leases to total assets | 80.5135% | 914 |
| Net loans and leases to deposits | 103.1613% | 543 |
| Net loans and leases to core deposits | 114.1158% | 831 |
| Total domestic deposits to total assets | 78.0463% | 4,716 |
| Equity capital to assets | 9.7524% | 4,191 |
| Core capital (leverage) ratio | 9.6781% | 3,959 |
| Tier 1 risk-based capital ratio | 11.9915% | 4,628 |
| Total risk-based capital ratio | 13.2439% | 4,507 |
| Memoranda: | ||
| Average total assets | $97,003,000 | 4,327 |
| Average earning assets | $92,787,250 | 4,260 |
| Average equity | $9,023,000 | 4,660 |
| Average total loans | $81,138,000 | 3,757 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 1,653 |
| Cost of funding earning assets | 0.7719% | 608 |
| Net interest margin | 3.6817% | 2,715 |
| Noninterest income to average assets | 0.0746% | 5,587 |
| Noninterest expense to average assets | 3.2628% | 1,439 |
| Loan and lease loss provision to assets | 0.0580% | 2,814 |
| Net operating income to assets | 0.1658% | 5,438 |
| Return on assets (ROA) | 0.1658% | 5,441 |
| Pretax return on assets | 0.2736% | 5,366 |
| Return on Equity (ROE) | 1.8128% | 5,369 |
| Retained earnings to average equity (ytd only) | 1.8128% | 4,529 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7728% | 416 |
| Assets per employee ($millions) | 5.8948% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 1,988 |
| Loan loss allowance to noncurrent loans | 1,273.3333% | 484 |
| Noncurrent assets plus other real estate owned to assets | 1.7892% | 769 |
| Noncurrent loans to loans | 0.1092% | 4,684 |
| Net loans and leases to total assets | 81.0979% | 804 |
| Net loans and leases to deposits | 104.3998% | 472 |
| Net loans and leases to core deposits | 115.7447% | 727 |
| Total domestic deposits to total assets | 77.6801% | 4,865 |
| Equity capital to assets | 9.5299% | 4,379 |
| Core capital (leverage) ratio | 9.8853% | 3,671 |
| Tier 1 risk-based capital ratio | 11.6385% | 4,871 |
| Total risk-based capital ratio | 12.8914% | 4,752 |
| Memoranda: | ||
| Average total assets | $96,480,330 | 4,368 |
| Average earning assets | $92,239,330 | 4,304 |
| Average equity | $8,826,330 | 4,714 |
| Average total loans | $81,347,330 | 3,758 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4973% | 1,378 |
| Cost of funding earning assets | 0.7710% | 576 |
| Net interest margin | 3.7263% | 2,395 |
| Noninterest income to average assets | -0.1564% | 5,841 |
| Noninterest expense to average assets | 3.4709% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0465% | 5,628 |
| Return on assets (ROA) | -0.0465% | 5,633 |
| Pretax return on assets | -0.0719% | 5,628 |
| Return on Equity (ROE) | -0.5198% | 5,638 |
| Retained earnings to average equity (ytd only) | -0.5198% | 5,003 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1144% | 201 |
| Assets per employee ($millions) | 5.3134% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 2,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7806% | 806 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 84.4606% | 326 |
| Net loans and leases to deposits | 106.4717% | 307 |
| Net loans and leases to core deposits | 119.6761% | 469 |
| Total domestic deposits to total assets | 79.3269% | 4,767 |
| Equity capital to assets | 8.8445% | 4,961 |
| Core capital (leverage) ratio | 8.9423% | 4,805 |
| Tier 1 risk-based capital ratio | 10.1635% | 5,661 |
| Total risk-based capital ratio | 11.4143% | 5,613 |
| Memoranda: | ||
| Average total assets | $94,615,000 | 4,450 |
| Average earning assets | $90,277,000 | 4,388 |
| Average equity | $8,464,500 | 4,816 |
| Average total loans | $80,813,500 | 3,797 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 1,735 |
| Cost of funding earning assets | 0.7420% | 658 |
| Net interest margin | 3.6914% | 2,732 |
| Noninterest income to average assets | 0.2935% | 4,640 |
| Noninterest expense to average assets | 3.2933% | 1,590 |
| Loan and lease loss provision to assets | 0.5587% | 237 |
| Net operating income to assets | 0.0011% | 5,645 |
| Return on assets (ROA) | 0.0011% | 5,664 |
| Pretax return on assets | 0.0102% | 5,651 |
| Return on Equity (ROE) | 0.0119% | 5,664 |
| Retained earnings to average equity (ytd only) | 0.0119% | 5,300 |
| Net charge-offs to loans | 0.5957% | 386 |
| Credit loss provision to net charge-offs | 109.5556% | 2,396 |
| Earnings coverage of net charge-offs (x) | 1.1156% | 4,039 |
| Efficiency ratio | 85.2700% | 881 |
| Assets per employee ($millions) | 5.1994% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 2,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9319% | 730 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 83.9971% | 382 |
| Net loans and leases to deposits | 106.5492% | 319 |
| Net loans and leases to core deposits | 120.1651% | 479 |
| Total domestic deposits to total assets | 78.8341% | 4,829 |
| Equity capital to assets | 9.0502% | 4,764 |
| Core capital (leverage) ratio | 9.0173% | 4,722 |
| Tier 1 risk-based capital ratio | 10.5424% | 5,556 |
| Total risk-based capital ratio | 11.7933% | 5,485 |
| Memoranda: | ||
| Average total assets | $88,239,000 | 4,577 |
| Average earning assets | $85,305,600 | 4,492 |
| Average equity | $8,373,000 | 4,872 |
| Average total loans | $75,537,400 | 3,911 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 1,734 |
| Cost of funding earning assets | 0.7244% | 721 |
| Net interest margin | 3.7135% | 2,669 |
| Noninterest income to average assets | 0.2547% | 4,935 |
| Noninterest expense to average assets | 3.3033% | 1,558 |
| Loan and lease loss provision to assets | 0.7564% | 142 |
| Net operating income to assets | -0.1365% | 5,772 |
| Return on assets (ROA) | -0.1365% | 5,789 |
| Pretax return on assets | -0.2025% | 5,792 |
| Return on Equity (ROE) | -1.4213% | 5,800 |
| Retained earnings to average equity (ytd only) | -1.4213% | 5,547 |
| Net charge-offs to loans | 0.2327% | 1,012 |
| Credit loss provision to net charge-offs | 379.2308% | 878 |
| Earnings coverage of net charge-offs (x) | 2.7769% | 3,525 |
| Efficiency ratio | 85.6404% | 849 |
| Assets per employee ($millions) | 5.2196% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8251% | 967 |
| Loan loss allowance to noncurrent loans | 68.5088% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 2.2341% | 650 |
| Noncurrent loans to loans | 2.6640% | 624 |
| Net loans and leases to total assets | 82.3327% | 572 |
| Net loans and leases to deposits | 105.5753% | 388 |
| Net loans and leases to core deposits | 119.8859% | 508 |
| Total domestic deposits to total assets | 77.9847% | 4,916 |
| Equity capital to assets | 8.9194% | 5,233 |
| Core capital (leverage) ratio | 9.1204% | 4,694 |
| Tier 1 risk-based capital ratio | 10.5898% | 5,574 |
| Total risk-based capital ratio | 11.8459% | 5,493 |
| Memoranda: | ||
| Average total assets | $86,901,500 | 4,635 |
| Average earning assets | $84,302,500 | 4,546 |
| Average equity | $8,348,750 | 4,928 |
| Average total loans | $74,489,250 | 3,960 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 1,777 |
| Cost of funding earning assets | 0.6962% | 822 |
| Net interest margin | 3.7217% | 2,611 |
| Noninterest income to average assets | 0.2271% | 5,131 |
| Noninterest expense to average assets | 3.4228% | 1,331 |
| Loan and lease loss provision to assets | 1.1189% | 87 |
| Net operating income to assets | -0.4494% | 5,911 |
| Return on assets (ROA) | -0.4494% | 5,919 |
| Pretax return on assets | -0.6978% | 5,948 |
| Return on Equity (ROE) | -4.5573% | 5,924 |
| Retained earnings to average equity (ytd only) | -4.5573% | 5,730 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0462% | 651 |
| Assets per employee ($millions) | 5.2231% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9864% | 761 |
| Loan loss allowance to noncurrent loans | 154.4910% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 1.1285% | 1,867 |
| Noncurrent loans to loans | 1.2858% | 1,763 |
| Net loans and leases to total assets | 86.0203% | 251 |
| Net loans and leases to deposits | 114.0817% | 176 |
| Net loans and leases to core deposits | 126.8455% | 355 |
| Total domestic deposits to total assets | 75.4023% | 5,366 |
| Equity capital to assets | 9.3239% | 4,949 |
| Core capital (leverage) ratio | 9.7351% | 3,887 |
| Tier 1 risk-based capital ratio | 10.8387% | 5,510 |
| Total risk-based capital ratio | 12.0981% | 5,423 |
| Memoranda: | ||
| Average total assets | $84,551,000 | 4,713 |
| Average earning assets | $82,165,670 | 4,618 |
| Average equity | $8,338,330 | 4,961 |
| Average total loans | $73,055,000 | 4,018 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 1,609 |
| Cost of funding earning assets | 0.6735% | 927 |
| Net interest margin | 3.7917% | 2,317 |
| Noninterest income to average assets | 0.1795% | 5,423 |
| Noninterest expense to average assets | 3.4551% | 1,273 |
| Loan and lease loss provision to assets | 1.9410% | 43 |
| Net operating income to assets | -0.9802% | 6,026 |
| Return on assets (ROA) | -0.9802% | 6,028 |
| Pretax return on assets | -1.5286% | 6,054 |
| Return on Equity (ROE) | -9.6558% | 6,024 |
| Retained earnings to average equity (ytd only) | -9.6558% | 5,794 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3350% | 715 |
| Assets per employee ($millions) | 4.9676% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0885% | 701 |
| Loan loss allowance to noncurrent loans | 147.2056% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 1.1865% | 1,849 |
| Noncurrent loans to loans | 1.4188% | 1,679 |
| Net loans and leases to total assets | 81.8826% | 570 |
| Net loans and leases to deposits | 110.0153% | 229 |
| Net loans and leases to core deposits | 121.3630% | 431 |
| Total domestic deposits to total assets | 74.4284% | 5,577 |
| Equity capital to assets | 9.7893% | 4,357 |
| Core capital (leverage) ratio | 10.0091% | 3,533 |
| Tier 1 risk-based capital ratio | 11.5645% | 5,190 |
| Total risk-based capital ratio | 12.8249% | 5,091 |
| Memoranda: | ||
| Average total assets | $82,430,000 | 4,801 |
| Average earning assets | $80,176,000 | 4,701 |
| Average equity | $8,368,000 | 4,987 |
| Average total loans | $70,618,500 | 4,103 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 1,075 |
| Cost of funding earning assets | 0.5858% | 1,462 |
| Net interest margin | 4.1287% | 1,340 |
| Noninterest income to average assets | 0.1452% | 5,686 |
| Noninterest expense to average assets | 3.3674% | 1,554 |
| Loan and lease loss provision to assets | 0.1438% | 1,648 |
| Net operating income to assets | 0.3834% | 5,098 |
| Return on assets (ROA) | 0.3834% | 5,186 |
| Pretax return on assets | 0.6299% | 4,746 |
| Return on Equity (ROE) | 3.3510% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.3510% | 3,664 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3161% | 1,497 |
| Assets per employee ($millions) | 4.7301% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 1,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 86.4782% | 196 |
| Net loans and leases to deposits | 121.6933% | 89 |
| Net loans and leases to core deposits | 133.2095% | 229 |
| Total domestic deposits to total assets | 71.0624% | 5,847 |
| Equity capital to assets | 10.5321% | 3,321 |
| Core capital (leverage) ratio | 10.7139% | 2,696 |
| Tier 1 risk-based capital ratio | 11.9393% | 4,994 |
| Total risk-based capital ratio | 13.1925% | 4,893 |
| Memoranda: | ||
| Average total assets | $73,023,400 | 5,012 |
| Average earning assets | $70,675,800 | 4,921 |
| Average equity | $8,355,600 | 4,990 |
| Average total loans | $63,220,400 | 4,284 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 989 |
| Cost of funding earning assets | 0.5623% | 1,694 |
| Net interest margin | 4.2034% | 1,157 |
| Noninterest income to average assets | 0.1424% | 5,769 |
| Noninterest expense to average assets | 3.3831% | 1,503 |
| Loan and lease loss provision to assets | 0.0843% | 2,485 |
| Net operating income to assets | 0.4477% | 4,982 |
| Return on assets (ROA) | 0.4477% | 5,065 |
| Pretax return on assets | 0.7362% | 4,547 |
| Return on Equity (ROE) | 3.8267% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.8267% | 3,752 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4813% | 1,585 |
| Assets per employee ($millions) | 4.4908% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 1,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 84.6849% | 330 |
| Net loans and leases to deposits | 121.3215% | 90 |
| Net loans and leases to core deposits | 129.2658% | 286 |
| Total domestic deposits to total assets | 69.8021% | 5,983 |
| Equity capital to assets | 11.0397% | 2,976 |
| Core capital (leverage) ratio | 11.2309% | 2,263 |
| Tier 1 risk-based capital ratio | 12.7928% | 4,555 |
| Total risk-based capital ratio | 14.0465% | 4,461 |
| Memoranda: | ||
| Average total assets | $71,176,500 | 5,124 |
| Average earning assets | $68,768,500 | 5,021 |
| Average equity | $8,327,250 | 5,063 |
| Average total loans | $61,372,250 | 4,383 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8612% | 791 |
| Cost of funding earning assets | 0.5362% | 1,933 |
| Net interest margin | 4.3251% | 873 |
| Noninterest income to average assets | 0.1181% | 5,956 |
| Noninterest expense to average assets | 3.3778% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5644% | 4,504 |
| Return on assets (ROA) | 0.5644% | 4,608 |
| Pretax return on assets | 0.9215% | 3,876 |
| Return on Equity (ROE) | 4.7265% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.7265% | 3,037 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5666% | 1,979 |
| Assets per employee ($millions) | 4.8283% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 1,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 80.2731% | 766 |
| Net loans and leases to deposits | 112.9598% | 201 |
| Net loans and leases to core deposits | 120.6362% | 451 |
| Total domestic deposits to total assets | 71.0635% | 5,983 |
| Equity capital to assets | 11.5777% | 2,347 |
| Core capital (leverage) ratio | 11.7579% | 1,801 |
| Tier 1 risk-based capital ratio | 14.0565% | 3,892 |
| Total risk-based capital ratio | 15.3105% | 3,831 |
| Memoranda: | ||
| Average total assets | $69,454,330 | 5,228 |
| Average earning assets | $67,143,670 | 5,124 |
| Average equity | $8,293,670 | 5,100 |
| Average total loans | $59,941,000 | 4,464 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9768% | 590 |
| Cost of funding earning assets | 0.5239% | 2,069 |
| Net interest margin | 4.4529% | 658 |
| Noninterest income to average assets | 0.1354% | 5,927 |
| Noninterest expense to average assets | 3.2838% | 1,757 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6944% | 3,829 |
| Return on assets (ROA) | 0.6944% | 3,955 |
| Pretax return on assets | 1.1535% | 2,856 |
| Return on Equity (ROE) | 5.7226% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.7226% | 2,647 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0053% | 2,816 |
| Assets per employee ($millions) | 4.4952% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 1,966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 87.2382% | 133 |
| Net loans and leases to deposits | 122.5045% | 71 |
| Net loans and leases to core deposits | 132.9273% | 216 |
| Total domestic deposits to total assets | 71.2123% | 6,079 |
| Equity capital to assets | 12.3198% | 1,809 |
| Core capital (leverage) ratio | 12.2919% | 1,466 |
| Tier 1 risk-based capital ratio | 14.9835% | 3,442 |
| Total risk-based capital ratio | 16.2389% | 3,368 |
| Memoranda: | ||
| Average total assets | $67,969,500 | 5,307 |
| Average earning assets | $65,664,500 | 5,208 |
| Average equity | $8,248,000 | 5,149 |
| Average total loans | $60,358,000 | 4,483 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8261% | 1,058 |
| Cost of funding earning assets | 0.5176% | 2,511 |
| Net interest margin | 4.3085% | 1,044 |
| Noninterest income to average assets | 0.1359% | 6,013 |
| Noninterest expense to average assets | 3.3731% | 1,756 |
| Loan and lease loss provision to assets | 0.2301% | 1,056 |
| Net operating income to assets | 0.4124% | 5,183 |
| Return on assets (ROA) | 0.4124% | 5,241 |
| Pretax return on assets | 0.6595% | 4,760 |
| Return on Equity (ROE) | 3.3241% | 5,365 |
| Retained earnings to average equity (ytd only) | 3.3241% | 3,860 |
| Net charge-offs to loans | 0.0274% | 4,272 |
| Credit loss provision to net charge-offs | 993.3333% | 278 |
| Earnings coverage of net charge-offs (x) | 38.4000% | 1,123 |
| Efficiency ratio | 79.1304% | 2,047 |
| Assets per employee ($millions) | 5.7093% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 2,118 |
| Loan loss allowance to noncurrent loans | 142.4376% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.9940% | 2,764 |
| Noncurrent loans to loans | 1.1178% | 2,601 |
| Net loans and leases to total assets | 87.5086% | 135 |
| Net loans and leases to deposits | 125.3146% | 66 |
| Net loans and leases to core deposits | 136.0188% | 193 |
| Total domestic deposits to total assets | 69.8311% | 6,202 |
| Equity capital to assets | 11.9528% | 2,048 |
| Core capital (leverage) ratio | 12.1544% | 1,530 |
| Tier 1 risk-based capital ratio | 14.2837% | 3,908 |
| Total risk-based capital ratio | 15.5396% | 3,834 |
| Memoranda: | ||
| Average total assets | $64,747,200 | 5,427 |
| Average earning assets | $62,016,400 | 5,339 |
| Average equity | $8,032,200 | 5,191 |
| Average total loans | $54,716,800 | 4,661 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8398% | 1,034 |
| Cost of funding earning assets | 0.5227% | 2,544 |
| Net interest margin | 4.3171% | 1,014 |
| Noninterest income to average assets | 0.1505% | 6,014 |
| Noninterest expense to average assets | 3.4458% | 1,571 |
| Loan and lease loss provision to assets | 0.2027% | 1,166 |
| Net operating income to assets | 0.3908% | 5,280 |
| Return on assets (ROA) | 0.3908% | 5,362 |
| Pretax return on assets | 0.6269% | 4,940 |
| Return on Equity (ROE) | 3.1194% | 5,498 |
| Retained earnings to average equity (ytd only) | 3.1194% | 4,401 |
| Net charge-offs to loans | 0.0376% | 3,744 |
| Credit loss provision to net charge-offs | 646.6667% | 460 |
| Earnings coverage of net charge-offs (x) | 26.4660% | 1,483 |
| Efficiency ratio | 80.5963% | 1,827 |
| Assets per employee ($millions) | 5.5043% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 2,130 |
| Loan loss allowance to noncurrent loans | 132.6590% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.0477% | 2,866 |
| Noncurrent loans to loans | 1.2452% | 2,559 |
| Net loans and leases to total assets | 82.7482% | 436 |
| Net loans and leases to deposits | 109.3186% | 236 |
| Net loans and leases to core deposits | 109.3186% | 776 |
| Total domestic deposits to total assets | 75.6945% | 5,857 |
| Equity capital to assets | 12.2769% | 1,848 |
| Core capital (leverage) ratio | 11.6481% | 1,943 |
| Tier 1 risk-based capital ratio | 15.2466% | 3,446 |
| Total risk-based capital ratio | 16.5037% | 3,386 |
| Memoranda: | ||
| Average total assets | $63,806,250 | 5,516 |
| Average earning assets | $60,965,750 | 5,430 |
| Average equity | $7,993,000 | 5,246 |
| Average total loans | $53,165,250 | 4,763 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6782% | 1,334 |
| Cost of funding earning assets | 0.5191% | 2,643 |
| Net interest margin | 4.1592% | 1,353 |
| Noninterest income to average assets | 0.1174% | 6,211 |
| Noninterest expense to average assets | 3.4698% | 1,536 |
| Loan and lease loss provision to assets | 0.3077% | 633 |
| Net operating income to assets | 0.1903% | 5,864 |
| Return on assets (ROA) | 0.1903% | 5,914 |
| Pretax return on assets | 0.3045% | 5,775 |
| Return on Equity (ROE) | 1.5086% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.5086% | 5,137 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0039% | 1,383 |
| Assets per employee ($millions) | 5.7487% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 2,644 |
| Loan loss allowance to noncurrent loans | 88.3523% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 2.4411% | 1,176 |
| Noncurrent loans to loans | 1.7602% | 1,960 |
| Net loans and leases to total assets | 85.6155% | 204 |
| Net loans and leases to deposits | 121.5322% | 76 |
| Net loans and leases to core deposits | 121.5322% | 343 |
| Total domestic deposits to total assets | 70.4468% | 6,335 |
| Equity capital to assets | 11.5708% | 2,355 |
| Core capital (leverage) ratio | 12.1663% | 1,566 |
| Tier 1 risk-based capital ratio | 13.4797% | 4,596 |
| Total risk-based capital ratio | 14.7345% | 4,535 |
| Memoranda: | ||
| Average total assets | $63,058,000 | 5,586 |
| Average earning assets | $60,108,000 | 5,502 |
| Average equity | $7,954,330 | 5,283 |
| Average total loans | $52,362,330 | 4,813 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5692% | 1,587 |
| Cost of funding earning assets | 0.5310% | 2,598 |
| Net interest margin | 4.0382% | 1,635 |
| Noninterest income to average assets | 0.1265% | 6,214 |
| Noninterest expense to average assets | 3.5677% | 1,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2463% | 5,674 |
| Return on assets (ROA) | 0.2463% | 5,720 |
| Pretax return on assets | 0.4060% | 5,437 |
| Return on Equity (ROE) | 1.8639% | 5,821 |
| Retained earnings to average equity (ytd only) | 1.8639% | 4,847 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7822% | 1,055 |
| Assets per employee ($millions) | 5.0691% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 2,580 |
| Loan loss allowance to noncurrent loans | 79.1667% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 2.7684% | 1,084 |
| Noncurrent loans to loans | 2.0596% | 1,800 |
| Net loans and leases to total assets | 82.9128% | 299 |
| Net loans and leases to deposits | 103.8377% | 298 |
| Net loans and leases to core deposits | 103.8377% | 869 |
| Total domestic deposits to total assets | 79.8484% | 5,518 |
| Equity capital to assets | 13.0842% | 1,271 |
| Core capital (leverage) ratio | 12.8372% | 1,229 |
| Tier 1 risk-based capital ratio | 14.7963% | 3,819 |
| Total risk-based capital ratio | 16.0496% | 3,769 |
| Memoranda: | ||
| Average total assets | $60,095,000 | 5,709 |
| Average earning assets | $57,253,500 | 5,631 |
| Average equity | $7,940,500 | 5,319 |
| Average total loans | $48,546,500 | 4,988 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9269% | 1,043 |
| Cost of funding earning assets | 0.6620% | 2,105 |
| Net interest margin | 4.2649% | 1,185 |
| Noninterest income to average assets | 0.0640% | 6,508 |
| Noninterest expense to average assets | 3.5101% | 1,623 |
| Loan and lease loss provision to assets | 0.1160% | 2,875 |
| Net operating income to assets | 0.2960% | 5,537 |
| Return on assets (ROA) | 0.2960% | 5,630 |
| Pretax return on assets | 0.4742% | 5,281 |
| Return on Equity (ROE) | 2.1775% | 5,776 |
| Retained earnings to average equity (ytd only) | 2.1775% | 4,698 |
| Net charge-offs to loans | 0.1264% | 3,555 |
| Credit loss provision to net charge-offs | 115.5172% | 2,090 |
| Earnings coverage of net charge-offs (x) | 5.8793% | 3,185 |
| Efficiency ratio | 85.6057% | 1,451 |
| Assets per employee ($millions) | 4.9468% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8245% | 1,993 |
| Loan loss allowance to noncurrent loans | 233.5196% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 2.0586% | 1,738 |
| Noncurrent loans to loans | 0.7813% | 4,021 |
| Net loans and leases to total assets | 75.7838% | 1,107 |
| Net loans and leases to deposits | 95.3861% | 779 |
| Net loans and leases to core deposits | 95.3861% | 1,494 |
| Total domestic deposits to total assets | 79.4495% | 5,568 |
| Equity capital to assets | 13.3455% | 1,125 |
| Core capital (leverage) ratio | 12.4848% | 1,372 |
| Tier 1 risk-based capital ratio | 16.2179% | 3,002 |
| Total risk-based capital ratio | 17.4748% | 2,949 |
| Memoranda: | ||
| Average total assets | $57,775,800 | 5,813 |
| Average earning assets | $54,679,200 | 5,740 |
| Average equity | $7,853,000 | 5,380 |
| Average total loans | $45,890,800 | 5,118 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 971 |
| Cost of funding earning assets | 0.6688% | 2,186 |
| Net interest margin | 4.3151% | 1,061 |
| Noninterest income to average assets | 0.1162% | 6,430 |
| Noninterest expense to average assets | 3.4599% | 1,696 |
| Loan and lease loss provision to assets | 0.1557% | 2,313 |
| Net operating income to assets | 0.3602% | 5,402 |
| Return on assets (ROA) | 0.3602% | 5,536 |
| Pretax return on assets | 0.5786% | 5,103 |
| Return on Equity (ROE) | 2.6374% | 5,741 |
| Retained earnings to average equity (ytd only) | 2.6374% | 4,750 |
| Net charge-offs to loans | 0.1684% | 2,871 |
| Credit loss provision to net charge-offs | 115.5172% | 2,037 |
| Earnings coverage of net charge-offs (x) | 5.4483% | 3,187 |
| Efficiency ratio | 82.4931% | 1,762 |
| Assets per employee ($millions) | 5.1708% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 2,141 |
| Loan loss allowance to noncurrent loans | 218.2768% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 2.1145% | 1,891 |
| Noncurrent loans to loans | 0.8474% | 4,131 |
| Net loans and leases to total assets | 71.4951% | 1,681 |
| Net loans and leases to deposits | 89.5225% | 1,216 |
| Net loans and leases to core deposits | 89.9783% | 1,968 |
| Total domestic deposits to total assets | 79.8627% | 5,540 |
| Equity capital to assets | 12.7415% | 1,455 |
| Core capital (leverage) ratio | 12.8429% | 1,263 |
| Tier 1 risk-based capital ratio | 16.4851% | 2,939 |
| Total risk-based capital ratio | 17.7074% | 2,926 |
| Memoranda: | ||
| Average total assets | $57,379,500 | 5,891 |
| Average earning assets | $54,227,250 | 5,822 |
| Average equity | $7,835,750 | 5,436 |
| Average total loans | $45,908,000 | 5,167 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 798 |
| Cost of funding earning assets | 0.6837% | 2,194 |
| Net interest margin | 4.3982% | 851 |
| Noninterest income to average assets | 0.1182% | 6,462 |
| Noninterest expense to average assets | 3.3714% | 1,888 |
| Loan and lease loss provision to assets | 0.2365% | 1,571 |
| Net operating income to assets | 0.3834% | 5,273 |
| Return on assets (ROA) | 0.3834% | 5,442 |
| Pretax return on assets | 0.6592% | 4,818 |
| Return on Equity (ROE) | 2.7393% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.7393% | 4,571 |
| Net charge-offs to loans | 0.2514% | 2,220 |
| Credit loss provision to net charge-offs | 113.7931% | 1,941 |
| Earnings coverage of net charge-offs (x) | 4.3103% | 3,167 |
| Efficiency ratio | 79.0092% | 2,298 |
| Assets per employee ($millions) | 4.8413% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 2,642 |
| Loan loss allowance to noncurrent loans | 218.0157% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 2.2601% | 1,918 |
| Noncurrent loans to loans | 0.7965% | 4,320 |
| Net loans and leases to total assets | 81.3375% | 402 |
| Net loans and leases to deposits | 103.8505% | 269 |
| Net loans and leases to core deposits | 104.4265% | 822 |
| Total domestic deposits to total assets | 78.3217% | 5,920 |
| Equity capital to assets | 13.5261% | 1,122 |
| Core capital (leverage) ratio | 13.8795% | 852 |
| Tier 1 risk-based capital ratio | 15.6147% | 3,422 |
| Total risk-based capital ratio | 16.8697% | 3,365 |
| Memoranda: | ||
| Average total assets | $55,823,000 | 5,975 |
| Average earning assets | $52,658,000 | 5,915 |
| Average equity | $7,812,330 | 5,478 |
| Average total loans | $46,144,670 | 5,179 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1300% | 704 |
| Cost of funding earning assets | 0.6995% | 2,214 |
| Net interest margin | 4.4305% | 763 |
| Noninterest income to average assets | 0.2267% | 5,841 |
| Noninterest expense to average assets | 3.1817% | 2,414 |
| Loan and lease loss provision to assets | 0.2999% | 1,159 |
| Net operating income to assets | 0.5632% | 4,395 |
| Return on assets (ROA) | 0.5632% | 4,549 |
| Pretax return on assets | 0.9143% | 3,710 |
| Return on Equity (ROE) | 3.9540% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.9540% | 3,863 |
| Net charge-offs to loans | 0.5136% | 1,174 |
| Credit loss provision to net charge-offs | 70.6897% | 2,283 |
| Earnings coverage of net charge-offs (x) | 2.8621% | 2,919 |
| Efficiency ratio | 72.3794% | 3,546 |
| Assets per employee ($millions) | 4.8867% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8061% | 2,600 |
| Loan loss allowance to noncurrent loans | 212.0419% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 2.4910% | 1,856 |
| Noncurrent loans to loans | 0.8518% | 4,415 |
| Net loans and leases to total assets | 81.9232% | 283 |
| Net loans and leases to deposits | 104.5488% | 221 |
| Net loans and leases to core deposits | 105.1755% | 672 |
| Total domestic deposits to total assets | 78.3588% | 6,062 |
| Equity capital to assets | 14.5626% | 861 |
| Core capital (leverage) ratio | 13.7438% | 862 |
| Tier 1 risk-based capital ratio | 16.6477% | 2,927 |
| Total risk-based capital ratio | 17.9050% | 2,890 |
| Memoranda: | ||
| Average total assets | $54,687,000 | 6,058 |
| Average earning assets | $51,462,000 | 6,005 |
| Average equity | $7,789,500 | 5,546 |
| Average total loans | $45,173,000 | 5,244 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1286% | 1,248 |
| Cost of funding earning assets | 0.9185% | 1,826 |
| Net interest margin | 4.2101% | 1,633 |
| Noninterest income to average assets | 0.1070% | 6,479 |
| Noninterest expense to average assets | 3.2687% | 2,428 |
| Loan and lease loss provision to assets | 0.1383% | 3,881 |
| Net operating income to assets | 0.4132% | 5,044 |
| Return on assets (ROA) | 0.4132% | 5,300 |
| Pretax return on assets | 0.6401% | 4,848 |
| Return on Equity (ROE) | 2.9355% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.9355% | 4,159 |
| Net charge-offs to loans | -0.0024% | 6,337 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7657% | 2,042 |
| Assets per employee ($millions) | 5.0564% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8176% | 2,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7206% | 2,815 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 80.3164% | 441 |
| Net loans and leases to deposits | 101.2557% | 363 |
| Net loans and leases to core deposits | 101.8328% | 898 |
| Total domestic deposits to total assets | 79.3204% | 5,818 |
| Equity capital to assets | 13.9356% | 1,076 |
| Core capital (leverage) ratio | 13.5013% | 945 |
| Tier 1 risk-based capital ratio | 16.0722% | 3,124 |
| Total risk-based capital ratio | 17.3252% | 3,074 |
| Memoranda: | ||
| Average total assets | $54,210,800 | 6,078 |
| Average earning assets | $50,735,400 | 6,019 |
| Average equity | $7,630,800 | 5,603 |
| Average total loans | $41,384,000 | 5,446 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 1,491 |
| Cost of funding earning assets | 0.9731% | 1,722 |
| Net interest margin | 4.0992% | 2,089 |
| Noninterest income to average assets | 0.1411% | 6,440 |
| Noninterest expense to average assets | 3.2752% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4506% | 5,033 |
| Return on assets (ROA) | 0.4506% | 5,282 |
| Pretax return on assets | 0.6931% | 4,887 |
| Return on Equity (ROE) | 3.1926% | 5,610 |
| Retained earnings to average equity (ytd only) | 3.1926% | 4,623 |
| Net charge-offs to loans | -0.0033% | 6,233 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5328% | 1,749 |
| Assets per employee ($millions) | 4.7450% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 2,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8872% | 2,804 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 79.8122% | 519 |
| Net loans and leases to deposits | 96.9828% | 598 |
| Net loans and leases to core deposits | 96.9828% | 1,339 |
| Total domestic deposits to total assets | 82.2952% | 4,921 |
| Equity capital to assets | 14.7696% | 877 |
| Core capital (leverage) ratio | 13.6861% | 951 |
| Tier 1 risk-based capital ratio | 17.2805% | 2,616 |
| Total risk-based capital ratio | 18.5359% | 2,570 |
| Memoranda: | ||
| Average total assets | $53,858,500 | 6,160 |
| Average earning assets | $50,284,750 | 6,106 |
| Average equity | $7,600,750 | 5,671 |
| Average total loans | $40,355,250 | 5,558 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0154% | 1,744 |
| Cost of funding earning assets | 1.0070% | 1,729 |
| Net interest margin | 4.0083% | 2,469 |
| Noninterest income to average assets | 0.0662% | 6,802 |
| Noninterest expense to average assets | 3.2308% | 2,493 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3529% | 5,414 |
| Return on assets (ROA) | 0.3529% | 5,640 |
| Pretax return on assets | 0.5660% | 5,258 |
| Return on Equity (ROE) | 2.5381% | 5,866 |
| Retained earnings to average equity (ytd only) | 2.5381% | 4,917 |
| Net charge-offs to loans | -0.0050% | 6,163 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0920% | 1,526 |
| Assets per employee ($millions) | 6.1347% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8383% | 2,736 |
| Loan loss allowance to noncurrent loans | 3,957.8947% | 128 |
| Noncurrent assets plus other real estate owned to assets | 1.8203% | 3,012 |
| Noncurrent loans to loans | 0.0464% | 6,562 |
| Net loans and leases to total assets | 72.7288% | 1,438 |
| Net loans and leases to deposits | 88.1617% | 1,355 |
| Net loans and leases to core deposits | 88.1617% | 2,191 |
| Total domestic deposits to total assets | 82.4947% | 4,954 |
| Equity capital to assets | 13.8068% | 1,175 |
| Core capital (leverage) ratio | 13.4799% | 986 |
| Tier 1 risk-based capital ratio | 17.6290% | 2,425 |
| Total risk-based capital ratio | 18.8863% | 2,393 |
| Memoranda: | ||
| Average total assets | $54,413,000 | 6,179 |
| Average earning assets | $50,644,330 | 6,130 |
| Average equity | $7,564,670 | 5,691 |
| Average total loans | $39,670,330 | 5,617 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0373% | 1,769 |
| Cost of funding earning assets | 1.0233% | 1,850 |
| Net interest margin | 4.0140% | 2,448 |
| Noninterest income to average assets | 0.0444% | 6,959 |
| Noninterest expense to average assets | 3.5695% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1259% | 6,179 |
| Return on assets (ROA) | 0.1259% | 6,307 |
| Pretax return on assets | 0.2222% | 6,151 |
| Return on Equity (ROE) | 0.9024% | 6,366 |
| Retained earnings to average equity (ytd only) | 0.9024% | 5,703 |
| Net charge-offs to loans | -0.0102% | 5,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1406% | 813 |
| Assets per employee ($millions) | 6.2623% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9767% | 2,431 |
| Loan loss allowance to noncurrent loans | 3,580.9524% | 147 |
| Noncurrent assets plus other real estate owned to assets | 1.7867% | 3,192 |
| Noncurrent loans to loans | 0.0552% | 6,615 |
| Net loans and leases to total assets | 66.1663% | 2,441 |
| Net loans and leases to deposits | 80.6139% | 2,120 |
| Net loans and leases to core deposits | 80.6139% | 2,992 |
| Total domestic deposits to total assets | 82.0780% | 5,269 |
| Equity capital to assets | 13.3851% | 1,282 |
| Core capital (leverage) ratio | 13.5346% | 937 |
| Tier 1 risk-based capital ratio | 18.8579% | 2,029 |
| Total risk-based capital ratio | 20.1172% | 1,990 |
| Memoranda: | ||
| Average total assets | $54,013,500 | 6,230 |
| Average earning assets | $50,424,000 | 6,178 |
| Average equity | $7,535,500 | 5,728 |
| Average total loans | $39,052,000 | 5,680 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0336% | 2,741 |
| Cost of funding earning assets | 1.1906% | 2,088 |
| Net interest margin | 3.8430% | 3,610 |
| Noninterest income to average assets | 0.1611% | 6,340 |
| Noninterest expense to average assets | 3.0825% | 3,259 |
| Loan and lease loss provision to assets | 0.1539% | 4,696 |
| Net operating income to assets | 0.3473% | 5,082 |
| Return on assets (ROA) | 0.3473% | 5,240 |
| Pretax return on assets | 0.5531% | 4,822 |
| Return on Equity (ROE) | 2.6182% | 5,434 |
| Retained earnings to average equity (ytd only) | 2.6182% | 4,362 |
| Net charge-offs to loans | 0.3037% | 3,880 |
| Credit loss provision to net charge-offs | 69.3548% | 4,872 |
| Earnings coverage of net charge-offs (x) | 3.1855% | 3,622 |
| Efficiency ratio | 81.3415% | 2,112 |
| Assets per employee ($millions) | 6.4583% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8747% | 2,648 |
| Loan loss allowance to noncurrent loans | 3,413.6364% | 148 |
| Noncurrent assets plus other real estate owned to assets | 1.9955% | 2,967 |
| Noncurrent loans to loans | 0.0549% | 6,685 |
| Net loans and leases to total assets | 76.0829% | 941 |
| Net loans and leases to deposits | 94.2481% | 796 |
| Net loans and leases to core deposits | 94.2481% | 1,668 |
| Total domestic deposits to total assets | 80.7262% | 5,537 |
| Equity capital to assets | 14.5686% | 876 |
| Core capital (leverage) ratio | 14.0498% | 816 |
| Tier 1 risk-based capital ratio | 17.8446% | 2,252 |
| Total risk-based capital ratio | 19.1024% | 2,221 |
| Memoranda: | ||
| Average total assets | $55,864,200 | 6,167 |
| Average earning assets | $52,745,200 | 6,091 |
| Average equity | $7,409,600 | 5,749 |
| Average total loans | $40,833,800 | 5,652 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 3,332 |
| Cost of funding earning assets | 1.2298% | 2,127 |
| Net interest margin | 3.7190% | 4,252 |
| Noninterest income to average assets | 0.1406% | 6,545 |
| Noninterest expense to average assets | 3.0666% | 3,294 |
| Loan and lease loss provision to assets | 0.1991% | 4,033 |
| Net operating income to assets | 0.2436% | 5,585 |
| Return on assets (ROA) | 0.2436% | 5,726 |
| Pretax return on assets | 0.4029% | 5,460 |
| Return on Equity (ROE) | 1.8788% | 5,819 |
| Retained earnings to average equity (ytd only) | 1.8788% | 5,203 |
| Net charge-offs to loans | 0.4030% | 3,107 |
| Credit loss provision to net charge-offs | 68.5484% | 4,529 |
| Earnings coverage of net charge-offs (x) | 2.0726% | 4,106 |
| Efficiency ratio | 83.5888% | 1,772 |
| Assets per employee ($millions) | 5.8022% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9198% | 2,561 |
| Loan loss allowance to noncurrent loans | 3,125.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 1.9782% | 3,168 |
| Noncurrent loans to loans | 0.0614% | 6,779 |
| Net loans and leases to total assets | 73.3761% | 1,433 |
| Net loans and leases to deposits | 90.8567% | 1,123 |
| Net loans and leases to core deposits | 90.8567% | 2,141 |
| Total domestic deposits to total assets | 80.7602% | 5,511 |
| Equity capital to assets | 14.2417% | 1,070 |
| Core capital (leverage) ratio | 13.5723% | 1,021 |
| Tier 1 risk-based capital ratio | 18.5191% | 2,086 |
| Total risk-based capital ratio | 19.7761% | 2,041 |
| Memoranda: | ||
| Average total assets | $56,913,750 | 6,186 |
| Average earning assets | $53,992,250 | 6,096 |
| Average equity | $7,380,250 | 5,788 |
| Average total loans | $41,027,250 | 5,694 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 3,801 |
| Cost of funding earning assets | 1.2854% | 2,032 |
| Net interest margin | 3.5762% | 4,802 |
| Noninterest income to average assets | 0.1163% | 6,752 |
| Noninterest expense to average assets | 3.0575% | 3,399 |
| Loan and lease loss provision to assets | 0.1744% | 4,180 |
| Net operating income to assets | 0.1778% | 5,809 |
| Return on assets (ROA) | 0.1778% | 5,907 |
| Pretax return on assets | 0.2907% | 5,692 |
| Return on Equity (ROE) | 1.4128% | 5,971 |
| Retained earnings to average equity (ytd only) | 1.4128% | 5,280 |
| Net charge-offs to loans | 0.5950% | 2,330 |
| Credit loss provision to net charge-offs | 41.1290% | 4,800 |
| Earnings coverage of net charge-offs (x) | 1.0968% | 4,455 |
| Efficiency ratio | 86.7961% | 1,528 |
| Assets per employee ($millions) | 6.0780% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 3,177 |
| Loan loss allowance to noncurrent loans | 150.7368% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 2.1626% | 3,035 |
| Noncurrent loans to loans | 1.1565% | 4,730 |
| Net loans and leases to total assets | 73.7761% | 1,461 |
| Net loans and leases to deposits | 91.5706% | 1,105 |
| Net loans and leases to core deposits | 91.5706% | 2,192 |
| Total domestic deposits to total assets | 80.5674% | 5,666 |
| Equity capital to assets | 13.5004% | 1,294 |
| Core capital (leverage) ratio | 12.7792% | 1,256 |
| Tier 1 risk-based capital ratio | 17.7437% | 2,251 |
| Total risk-based capital ratio | 18.9994% | 2,212 |
| Memoranda: | ||
| Average total assets | $58,478,330 | 6,189 |
| Average earning assets | $55,701,000 | 6,092 |
| Average equity | $7,361,330 | 5,816 |
| Average total loans | $41,680,670 | 5,722 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 4,479 |
| Cost of funding earning assets | 1.3770% | 1,731 |
| Net interest margin | 3.3313% | 5,671 |
| Noninterest income to average assets | 0.0861% | 6,978 |
| Noninterest expense to average assets | 2.8029% | 4,425 |
| Loan and lease loss provision to assets | 0.0928% | 4,854 |
| Net operating income to assets | 0.2187% | 5,721 |
| Return on assets (ROA) | 0.2187% | 5,785 |
| Pretax return on assets | 0.3644% | 5,455 |
| Return on Equity (ROE) | 1.7960% | 5,867 |
| Retained earnings to average equity (ytd only) | 1.7960% | 5,039 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9756% | 1,717 |
| Assets per employee ($millions) | 6.0430% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 2,782 |
| Loan loss allowance to noncurrent loans | 91.3538% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.4546% | 4,084 |
| Noncurrent loans to loans | 2.0498% | 3,509 |
| Net loans and leases to total assets | 69.6326% | 2,197 |
| Net loans and leases to deposits | 85.7880% | 1,766 |
| Net loans and leases to core deposits | 85.7880% | 2,902 |
| Total domestic deposits to total assets | 81.1683% | 5,613 |
| Equity capital to assets | 12.1893% | 1,801 |
| Core capital (leverage) ratio | 11.9237% | 1,603 |
| Tier 1 risk-based capital ratio | 17.3559% | 2,353 |
| Total risk-based capital ratio | 18.6134% | 2,326 |
| Memoranda: | ||
| Average total assets | $60,366,500 | 6,172 |
| Average earning assets | $57,515,000 | 6,081 |
| Average equity | $7,349,500 | 5,826 |
| Average total loans | $41,984,500 | 5,758 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3928% | 2,702 |
| Cost of funding earning assets | 1.7233% | 1,496 |
| Net interest margin | 3.6694% | 4,495 |
| Noninterest income to average assets | 0.2531% | 5,989 |
| Noninterest expense to average assets | 2.8790% | 4,316 |
| Loan and lease loss provision to assets | 0.3126% | 4,301 |
| Net operating income to assets | 0.3387% | 4,795 |
| Return on assets (ROA) | 0.3387% | 4,954 |
| Pretax return on assets | 0.5564% | 4,459 |
| Return on Equity (ROE) | 2.5192% | 5,173 |
| Retained earnings to average equity (ytd only) | 2.5192% | 4,110 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8123% | 2,899 |
| Assets per employee ($millions) | 6.7003% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 2,504 |
| Loan loss allowance to noncurrent loans | 89.3545% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.4643% | 4,128 |
| Noncurrent loans to loans | 2.1491% | 3,366 |
| Net loans and leases to total assets | 66.8259% | 3,266 |
| Net loans and leases to deposits | 82.3080% | 2,745 |
| Net loans and leases to core deposits | 82.3080% | 3,863 |
| Total domestic deposits to total assets | 81.1900% | 5,457 |
| Equity capital to assets | 12.1603% | 1,822 |
| Core capital (leverage) ratio | 12.0241% | 1,531 |
| Tier 1 risk-based capital ratio | 17.9894% | 2,004 |
| Total risk-based capital ratio | 19.2499% | 1,961 |
| Memoranda: | ||
| Average total assets | $53,734,400 | 6,412 |
| Average earning assets | $51,179,600 | 6,321 |
| Average equity | $7,224,400 | 5,956 |
| Average total loans | $42,081,200 | 5,829 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5512% | 2,251 |
| Cost of funding earning assets | 1.8028% | 1,408 |
| Net interest margin | 3.7484% | 4,193 |
| Noninterest income to average assets | 0.0486% | 7,278 |
| Noninterest expense to average assets | 2.7694% | 4,601 |
| Loan and lease loss provision to assets | 0.4300% | 3,329 |
| Net operating income to assets | 0.2483% | 5,358 |
| Return on assets (ROA) | 0.2483% | 5,516 |
| Pretax return on assets | 0.4095% | 5,192 |
| Return on Equity (ROE) | 1.7969% | 5,678 |
| Retained earnings to average equity (ytd only) | 1.7969% | 5,065 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7376% | 2,808 |
| Assets per employee ($millions) | 6.1650% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 2,830 |
| Loan loss allowance to noncurrent loans | 88.7514% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.6022% | 4,046 |
| Noncurrent loans to loans | 2.0128% | 3,658 |
| Net loans and leases to total assets | 78.1815% | 1,013 |
| Net loans and leases to deposits | 98.6402% | 750 |
| Net loans and leases to core deposits | 98.6402% | 1,977 |
| Total domestic deposits to total assets | 79.2593% | 5,949 |
| Equity capital to assets | 13.0630% | 1,544 |
| Core capital (leverage) ratio | 13.4618% | 1,071 |
| Tier 1 risk-based capital ratio | 17.3821% | 2,213 |
| Total risk-based capital ratio | 18.6416% | 2,172 |
| Memoranda: | ||
| Average total assets | $52,092,250 | 6,534 |
| Average earning assets | $49,477,750 | 6,454 |
| Average equity | $7,197,250 | 6,044 |
| Average total loans | $42,329,750 | 5,904 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7589% | 1,533 |
| Cost of funding earning assets | 1.8975% | 1,245 |
| Net interest margin | 3.8614% | 3,630 |
| Noninterest income to average assets | 0.0510% | 7,330 |
| Noninterest expense to average assets | 2.8139% | 4,429 |
| Loan and lease loss provision to assets | 0.5769% | 2,463 |
| Net operating income to assets | 0.1845% | 5,617 |
| Return on assets (ROA) | 0.1845% | 5,737 |
| Pretax return on assets | 0.3100% | 5,469 |
| Return on Equity (ROE) | 1.3091% | 5,863 |
| Retained earnings to average equity (ytd only) | 1.3091% | 5,227 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0339% | 3,071 |
| Assets per employee ($millions) | 5.8623% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 2,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 79.2896% | 904 |
| Net loans and leases to deposits | 102.8798% | 542 |
| Net loans and leases to core deposits | 102.8798% | 1,746 |
| Total domestic deposits to total assets | 77.0702% | 6,492 |
| Equity capital to assets | 13.6427% | 1,292 |
| Core capital (leverage) ratio | 13.6718% | 1,009 |
| Tier 1 risk-based capital ratio | 17.8659% | 1,993 |
| Total risk-based capital ratio | 19.1258% | 1,957 |
| Memoranda: | ||
| Average total assets | $50,961,330 | 6,615 |
| Average earning assets | $48,169,330 | 6,544 |
| Average equity | $7,180,330 | 6,079 |
| Average total loans | $41,717,000 | 5,971 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6480% | 1,966 |
| Cost of funding earning assets | 1.9218% | 1,365 |
| Net interest margin | 3.7262% | 4,117 |
| Noninterest income to average assets | 0.0320% | 7,549 |
| Noninterest expense to average assets | 2.8046% | 4,461 |
| Loan and lease loss provision to assets | 0.2397% | 4,126 |
| Net operating income to assets | 0.3276% | 5,176 |
| Return on assets (ROA) | 0.3276% | 5,309 |
| Pretax return on assets | 0.5353% | 4,833 |
| Return on Equity (ROE) | 2.2868% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.2868% | 4,764 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3482% | 2,843 |
| Assets per employee ($millions) | 5.5002% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 3,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 84.2330% | 351 |
| Net loans and leases to deposits | 113.6809% | 216 |
| Net loans and leases to core deposits | 113.6809% | 1,055 |
| Total domestic deposits to total assets | 74.0960% | 7,034 |
| Equity capital to assets | 14.5287% | 993 |
| Core capital (leverage) ratio | 14.0146% | 958 |
| Tier 1 risk-based capital ratio | 18.3219% | 1,864 |
| Total risk-based capital ratio | 19.5781% | 1,833 |
| Memoranda: | ||
| Average total assets | $50,061,500 | 6,730 |
| Average earning assets | $47,663,000 | 6,642 |
| Average equity | $7,171,500 | 6,122 |
| Average total loans | $41,274,500 | 6,062 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7750% | 2,765 |
| Cost of funding earning assets | 2.4295% | 1,214 |
| Net interest margin | 3.3455% | 5,567 |
| Noninterest income to average assets | 0.0277% | 7,600 |
| Noninterest expense to average assets | 2.9640% | 4,288 |
| Loan and lease loss provision to assets | 0.3396% | 4,766 |
| Net operating income to assets | -0.0693% | 5,621 |
| Return on assets (ROA) | -0.0693% | 5,641 |
| Pretax return on assets | -0.0947% | 5,594 |
| Return on Equity (ROE) | -0.4274% | 5,608 |
| Retained earnings to average equity (ytd only) | -0.4274% | 5,075 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3686% | 1,533 |
| Assets per employee ($millions) | 7.2316% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 3,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 78.1889% | 1,334 |
| Net loans and leases to deposits | 104.6287% | 618 |
| Net loans and leases to core deposits | 105.4848% | 3,396 |
| Total domestic deposits to total assets | 74.7299% | 6,909 |
| Equity capital to assets | 14.1265% | 1,129 |
| Core capital (leverage) ratio | 14.1965% | 949 |
| Tier 1 risk-based capital ratio | 17.9893% | 1,901 |
| Total risk-based capital ratio | 19.2434% | 1,862 |
| Memoranda: | ||
| Average total assets | $43,286,400 | 6,977 |
| Average earning assets | $41,160,000 | 6,903 |
| Average equity | $7,018,400 | 6,261 |
| Average total loans | $36,401,800 | 6,285 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7737% | 3,009 |
| Cost of funding earning assets | 2.5315% | 1,206 |
| Net interest margin | 3.2422% | 5,871 |
| Noninterest income to average assets | 0.0129% | 7,796 |
| Noninterest expense to average assets | 3.1071% | 3,625 |
| Loan and lease loss provision to assets | 0.4085% | 3,875 |
| Net operating income to assets | -1.9556% | 7,296 |
| Return on assets (ROA) | -1.9556% | 7,297 |
| Pretax return on assets | -0.4214% | 6,223 |
| Return on Equity (ROE) | -11.6052% | 6,997 |
| Retained earnings to average equity (ytd only) | -11.6052% | 6,925 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4158% | 1,043 |
| Assets per employee ($millions) | 6.6044% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 3,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 83.1390% | 653 |
| Net loans and leases to deposits | 116.5575% | 260 |
| Net loans and leases to core deposits | 117.2866% | 2,493 |
| Total domestic deposits to total assets | 71.3288% | 7,301 |
| Equity capital to assets | 14.2177% | 1,233 |
| Core capital (leverage) ratio | 14.6912% | 916 |
| Tier 1 risk-based capital ratio | 17.3006% | 2,182 |
| Total risk-based capital ratio | 18.5534% | 2,129 |
| Memoranda: | ||
| Average total assets | $41,452,750 | 7,088 |
| Average earning assets | $39,396,250 | 7,019 |
| Average equity | $6,985,250 | 6,318 |
| Average total loans | $35,452,000 | 6,380 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6532% | 3,800 |
| Cost of funding earning assets | 2.6378% | 1,189 |
| Net interest margin | 3.0154% | 6,504 |
| Noninterest income to average assets | 0.0151% | 7,892 |
| Noninterest expense to average assets | 3.3016% | 2,956 |
| Loan and lease loss provision to assets | 0.4566% | 3,245 |
| Net operating income to assets | -0.5670% | 6,616 |
| Return on assets (ROA) | -0.5670% | 6,624 |
| Pretax return on assets | -0.8981% | 6,746 |
| Return on Equity (ROE) | -3.1730% | 6,383 |
| Retained earnings to average equity (ytd only) | -3.1730% | 5,998 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4386% | 745 |
| Assets per employee ($millions) | 6.1887% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 3,168 |
| Loan loss allowance to noncurrent loans | 94.4816% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.3804% | 4,200 |
| Noncurrent loans to loans | 1.5923% | 4,107 |
| Net loans and leases to total assets | 85.3881% | 452 |
| Net loans and leases to deposits | 124.1267% | 175 |
| Net loans and leases to core deposits | 124.9823% | 1,946 |
| Total domestic deposits to total assets | 68.7911% | 7,569 |
| Equity capital to assets | 16.3154% | 779 |
| Core capital (leverage) ratio | 16.8693% | 633 |
| Tier 1 risk-based capital ratio | 17.1488% | 2,254 |
| Total risk-based capital ratio | 18.4029% | 2,194 |
| Memoranda: | ||
| Average total assets | $39,860,000 | 7,214 |
| Average earning assets | $37,607,000 | 7,155 |
| Average equity | $7,122,670 | 6,332 |
| Average total loans | $34,257,000 | 6,488 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7652% | 3,455 |
| Cost of funding earning assets | 2.7987% | 984 |
| Net interest margin | 2.9666% | 6,570 |
| Noninterest income to average assets | 0.0105% | 8,015 |
| Noninterest expense to average assets | 3.5563% | 1,959 |
| Loan and lease loss provision to assets | 0.2623% | 3,860 |
| Net operating income to assets | -0.6504% | 7,009 |
| Return on assets (ROA) | -0.6504% | 7,047 |
| Pretax return on assets | -1.0281% | 7,163 |
| Return on Equity (ROE) | -3.4685% | 6,837 |
| Retained earnings to average equity (ytd only) | -3.4685% | 6,361 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.4436% | 532 |
| Assets per employee ($millions) | 5.4980% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 2,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 84.5398% | 616 |
| Net loans and leases to deposits | 120.0546% | 286 |
| Net loans and leases to core deposits | 122.7866% | 2,187 |
| Total domestic deposits to total assets | 70.4178% | 7,389 |
| Equity capital to assets | 18.4976% | 541 |
| Core capital (leverage) ratio | 17.3637% | 613 |
| Tier 1 risk-based capital ratio | 19.9570% | 1,632 |
| Total risk-based capital ratio | 21.2095% | 1,588 |
| Memoranda: | ||
| Average total assets | $38,129,500 | 7,331 |
| Average earning assets | $35,731,500 | 7,271 |
| Average equity | $7,150,000 | 6,353 |
| Average total loans | $32,607,500 | 6,607 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9205% | 7,887 |
| Cost of funding earning assets | 2.0095% | 6,382 |
| Net interest margin | 2.9110% | 7,133 |
| Noninterest income to average assets | 0.4154% | 5,340 |
| Noninterest expense to average assets | 6.3492% | 353 |
| Loan and lease loss provision to assets | 1.8577% | 675 |
| Net operating income to assets | -3.2099% | 7,867 |
| Return on assets (ROA) | -3.2099% | 7,843 |
| Pretax return on assets | -5.0833% | 8,035 |
| Return on Equity (ROE) | -11.1478% | 7,355 |
| Retained earnings to average equity (ytd only) | -11.1478% | 7,169 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 203.2622% | 194 |
| Assets per employee ($millions) | 4.7216% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 2,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 83.9383% | 896 |
| Net loans and leases to deposits | 120.4910% | 380 |
| Net loans and leases to core deposits | 121.4138% | 2,566 |
| Total domestic deposits to total assets | 69.6635% | 7,317 |
| Equity capital to assets | 19.0109% | 545 |
| Core capital (leverage) ratio | 20.8114% | 385 |
| Tier 1 risk-based capital ratio | 20.5300% | 1,531 |
| Total risk-based capital ratio | 21.7813% | 1,493 |
| Memoranda: | ||
| Average total assets | $25,515,000 | 7,824 |
| Average earning assets | $23,737,250 | 7,794 |
| Average equity | $7,346,750 | 6,334 |
| Average total loans | $21,520,250 | 7,225 |