Home > VALOR BANK > Performance and Condition Ratios
VALOR BANK, 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 | 6.6373% | 306 |
| Cost of funding earning assets | 2.5851% | 305 |
| Net interest margin | 4.0521% | 1,129 |
| Noninterest income to average assets | 1.0700% | 571 |
| Noninterest expense to average assets | 3.2775% | 759 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.4807% | 1,052 |
| Return on assets (ROA) | 1.4807% | 1,026 |
| Pretax return on assets | 1.5426% | 1,338 |
| Return on Equity (ROE) | 18.0500% | 810 |
| Retained earnings to average equity (ytd only) | 8.3020% | 1,460 |
| Net charge-offs to loans | 0.0005% | 2,886 |
| Credit loss provision to net charge-offs | 31,300.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 3,664.0000% | 30 |
| Efficiency ratio | 66.1023% | 2,343 |
| Assets per employee ($millions) | 6.2352% | 2,602 |
| Cash dividends to net income (ytd only)* | 53.9963% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 3,831 |
| Loan loss allowance to noncurrent loans | 177.4926% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 1,336 |
| Noncurrent loans to loans | 0.4835% | 1,574 |
| Net loans and leases to total assets | 85.4200% | 185 |
| Net loans and leases to deposits | 99.2290% | 579 |
| Net loans and leases to core deposits | 120.6303% | 602 |
| Total domestic deposits to total assets | 86.0900% | 1,985 |
| Equity capital to assets | 7.6978% | 3,603 |
| Core capital (leverage) ratio | 8.0249% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3661% | 2,467 |
| Memoranda: | ||
| Average total assets | $218,004,000 | 2,856 |
| Average earning assets | $209,272,200 | 2,811 |
| Average equity | $17,887,200 | 3,023 |
| Average total loans | $192,185,400 | 2,345 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4886% | 307 |
| Cost of funding earning assets | 2.3588% | 359 |
| Net interest margin | 4.1298% | 1,016 |
| Noninterest income to average assets | 1.1600% | 521 |
| Noninterest expense to average assets | 3.3869% | 638 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.5026% | 1,120 |
| Return on assets (ROA) | 1.5026% | 1,107 |
| Pretax return on assets | 1.5637% | 1,425 |
| Return on Equity (ROE) | 17.9900% | 952 |
| Retained earnings to average equity (ytd only) | 5.6713% | 2,726 |
| Net charge-offs to loans | 0.0007% | 2,625 |
| Credit loss provision to net charge-offs | 24,800.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 2,747.0000% | 44 |
| Efficiency ratio | 66.1908% | 2,252 |
| Assets per employee ($millions) | 5.5661% | 3,129 |
| Cash dividends to net income (ytd only)* | 68.4828% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 3,857 |
| Loan loss allowance to noncurrent loans | 12,378.5714% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,802 |
| Noncurrent loans to loans | 0.0069% | 3,760 |
| Net loans and leases to total assets | 87.9200% | 79 |
| Net loans and leases to deposits | 101.7599% | 441 |
| Net loans and leases to core deposits | 122.8971% | 485 |
| Total domestic deposits to total assets | 86.4000% | 2,067 |
| Equity capital to assets | 7.8813% | 3,130 |
| Core capital (leverage) ratio | 8.2461% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2281% | 2,537 |
| Memoranda: | ||
| Average total assets | $211,711,500 | 2,908 |
| Average earning assets | $202,975,500 | 2,857 |
| Average equity | $17,679,250 | 3,027 |
| Average total loans | $187,850,000 | 2,383 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3290% | 305 |
| Cost of funding earning assets | 2.1343% | 386 |
| Net interest margin | 4.1946% | 940 |
| Noninterest income to average assets | 1.2600% | 413 |
| Noninterest expense to average assets | 3.4683% | 558 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.5945% | 957 |
| Return on assets (ROA) | 1.5945% | 956 |
| Pretax return on assets | 1.6556% | 1,308 |
| Return on Equity (ROE) | 18.7100% | 870 |
| Retained earnings to average equity (ytd only) | 4.8928% | 2,967 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.8079% | 2,267 |
| Assets per employee ($millions) | 5.2202% | 3,393 |
| Cash dividends to net income (ytd only)* | 73.8443% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 3,926 |
| Loan loss allowance to noncurrent loans | 201.2453% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 1,421 |
| Noncurrent loans to loans | 0.4184% | 1,679 |
| Net loans and leases to total assets | 88.9300% | 55 |
| Net loans and leases to deposits | 100.1305% | 508 |
| Net loans and leases to core deposits | 119.6369% | 522 |
| Total domestic deposits to total assets | 88.8100% | 1,318 |
| Equity capital to assets | 8.2531% | 3,053 |
| Core capital (leverage) ratio | 8.6055% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6415% | 2,421 |
| Memoranda: | ||
| Average total assets | $206,211,667 | 2,956 |
| Average earning assets | $197,251,667 | 2,909 |
| Average equity | $17,577,000 | 3,054 |
| Average total loans | $183,008,000 | 2,411 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1510% | 259 |
| Cost of funding earning assets | 1.9544% | 327 |
| Net interest margin | 4.1966% | 952 |
| Noninterest income to average assets | 1.1000% | 501 |
| Noninterest expense to average assets | 3.3830% | 615 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.5759% | 1,024 |
| Return on assets (ROA) | 1.5759% | 1,021 |
| Pretax return on assets | 1.6747% | 1,331 |
| Return on Equity (ROE) | 18.1800% | 999 |
| Retained earnings to average equity (ytd only) | 8.7604% | 2,014 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.2921% | 2,179 |
| Assets per employee ($millions) | 4.8975% | 3,729 |
| Cash dividends to net income (ytd only)* | 51.8193% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 4,020 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 86.8900% | 110 |
| Net loans and leases to deposits | 96.4903% | 623 |
| Net loans and leases to core deposits | 114.5530% | 570 |
| Total domestic deposits to total assets | 90.0500% | 1,141 |
| Equity capital to assets | 8.5652% | 2,839 |
| Core capital (leverage) ratio | 8.7534% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2025% | 2,304 |
| Memoranda: | ||
| Average total assets | $202,303,500 | 3,027 |
| Average earning assets | $193,204,500 | 2,975 |
| Average equity | $17,533,500 | 3,084 |
| Average total loans | $178,540,000 | 2,471 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8814% | 371 |
| Cost of funding earning assets | 0.8030% | 377 |
| Net interest margin | 4.0785% | 690 |
| Noninterest income to average assets | 1.7600% | 290 |
| Noninterest expense to average assets | 3.7957% | 385 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.6104% | 677 |
| Return on assets (ROA) | 1.6104% | 648 |
| Pretax return on assets | 1.6912% | 940 |
| Return on Equity (ROE) | 19.5300% | 519 |
| Retained earnings to average equity (ytd only) | 10.3648% | 1,051 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.7793% | 2,113 |
| Assets per employee ($millions) | 4.5208% | 4,023 |
| Cash dividends to net income (ytd only)* | 46.9407% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 3,982 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 88.1700% | 66 |
| Net loans and leases to deposits | 97.6657% | 540 |
| Net loans and leases to core deposits | 115.7132% | 449 |
| Total domestic deposits to total assets | 90.2800% | 1,242 |
| Equity capital to assets | 8.7722% | 2,513 |
| Core capital (leverage) ratio | 8.7923% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1187% | 2,321 |
| Memoranda: | ||
| Average total assets | $197,907,000 | 3,055 |
| Average earning assets | $190,169,000 | 2,999 |
| Average equity | $16,314,800 | 3,247 |
| Average total loans | $156,259,800 | 2,574 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 474 |
| Cost of funding earning assets | 0.6396% | 352 |
| Net interest margin | 3.8953% | 814 |
| Noninterest income to average assets | 1.8500% | 289 |
| Noninterest expense to average assets | 3.8902% | 352 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.4206% | 1,030 |
| Return on assets (ROA) | 1.4206% | 1,006 |
| Pretax return on assets | 1.4921% | 1,432 |
| Return on Equity (ROE) | 17.5200% | 705 |
| Retained earnings to average equity (ytd only) | 6.7783% | 2,451 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.4736% | 1,826 |
| Assets per employee ($millions) | 4.6079% | 3,976 |
| Cash dividends to net income (ytd only)* | 61.3010% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8258% | 4,032 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 84.0700% | 236 |
| Net loans and leases to deposits | 92.6571% | 726 |
| Net loans and leases to core deposits | 105.9607% | 589 |
| Total domestic deposits to total assets | 90.7300% | 1,346 |
| Equity capital to assets | 8.3644% | 2,632 |
| Core capital (leverage) ratio | 8.6117% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5957% | 2,624 |
| Memoranda: | ||
| Average total assets | $197,655,500 | 3,080 |
| Average earning assets | $190,104,500 | 3,021 |
| Average equity | $16,031,250 | 3,312 |
| Average total loans | $151,113,500 | 2,629 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2213% | 607 |
| Cost of funding earning assets | 0.5708% | 346 |
| Net interest margin | 3.6505% | 995 |
| Noninterest income to average assets | 2.0436% | 225 |
| Noninterest expense to average assets | 3.9262% | 296 |
| Loan and lease loss provision to assets | 0.2046% | 402 |
| Net operating income to assets | 1.3671% | 983 |
| Return on assets (ROA) | 1.3671% | 963 |
| Pretax return on assets | 1.4360% | 1,343 |
| Return on Equity (ROE) | 17.0340% | 567 |
| Retained earnings to average equity (ytd only) | 4.9462% | 2,727 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5294% | 1,884 |
| Assets per employee ($millions) | 4.3485% | 4,179 |
| Cash dividends to net income (ytd only)* | 70.9630% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 4,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 79.8546% | 418 |
| Net loans and leases to deposits | 87.4559% | 880 |
| Net loans and leases to core deposits | 98.4036% | 746 |
| Total domestic deposits to total assets | 91.3083% | 1,102 |
| Equity capital to assets | 8.2532% | 2,940 |
| Core capital (leverage) ratio | 8.0678% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2576% | 2,391 |
| Memoranda: | ||
| Average total assets | $197,494,667 | 3,112 |
| Average earning assets | $190,605,333 | 3,061 |
| Average equity | $15,850,667 | 3,417 |
| Average total loans | $145,500,667 | 2,691 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 756 |
| Cost of funding earning assets | 0.5670% | 327 |
| Net interest margin | 3.4457% | 1,193 |
| Noninterest income to average assets | 2.0685% | 230 |
| Noninterest expense to average assets | 3.7480% | 334 |
| Loan and lease loss provision to assets | 0.1895% | 397 |
| Net operating income to assets | 1.3952% | 810 |
| Return on assets (ROA) | 1.3952% | 804 |
| Pretax return on assets | 1.4637% | 1,094 |
| Return on Equity (ROE) | 17.6295% | 366 |
| Retained earnings to average equity (ytd only) | 9.8338% | 1,065 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3916% | 2,314 |
| Assets per employee ($millions) | 4.7957% | 3,928 |
| Cash dividends to net income (ytd only)* | 44.2197% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 4,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 70.6258% | 960 |
| Net loans and leases to deposits | 77.1019% | 1,354 |
| Net loans and leases to core deposits | 85.9457% | 1,133 |
| Total domestic deposits to total assets | 91.6006% | 752 |
| Equity capital to assets | 8.0152% | 3,557 |
| Core capital (leverage) ratio | 8.0344% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4791% | 2,000 |
| Memoranda: | ||
| Average total assets | $198,401,000 | 3,114 |
| Average earning assets | $191,892,500 | 3,063 |
| Average equity | $15,701,000 | 3,497 |
| Average total loans | $139,487,000 | 2,755 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 1,495 |
| Cost of funding earning assets | 0.7929% | 211 |
| Net interest margin | 3.1555% | 2,723 |
| Noninterest income to average assets | 3.2933% | 166 |
| Noninterest expense to average assets | 4.3383% | 231 |
| Loan and lease loss provision to assets | 0.1911% | 580 |
| Net operating income to assets | 1.7155% | 612 |
| Return on assets (ROA) | 1.7155% | 634 |
| Pretax return on assets | 1.8018% | 910 |
| Return on Equity (ROE) | 22.1054% | 215 |
| Retained earnings to average equity (ytd only) | 8.6399% | 1,302 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5217% | 1,918 |
| Assets per employee ($millions) | 4.7655% | 3,916 |
| Cash dividends to net income (ytd only)* | 60.9151% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7856% | 4,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 68.8373% | 1,170 |
| Net loans and leases to deposits | 74.8078% | 1,663 |
| Net loans and leases to core deposits | 84.0832% | 1,325 |
| Total domestic deposits to total assets | 92.0188% | 171 |
| Equity capital to assets | 7.8092% | 4,464 |
| Core capital (leverage) ratio | 8.0523% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2546% | 1,753 |
| Memoranda: | ||
| Average total assets | $166,885,400 | 3,327 |
| Average earning assets | $160,671,800 | 3,272 |
| Average equity | $12,951,600 | 3,836 |
| Average total loans | $116,996,600 | 2,976 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 1,677 |
| Cost of funding earning assets | 0.8578% | 189 |
| Net interest margin | 3.0753% | 3,115 |
| Noninterest income to average assets | 3.5919% | 163 |
| Noninterest expense to average assets | 4.4015% | 225 |
| Loan and lease loss provision to assets | 0.1584% | 698 |
| Net operating income to assets | 1.8919% | 568 |
| Return on assets (ROA) | 1.8919% | 590 |
| Pretax return on assets | 1.9879% | 816 |
| Return on Equity (ROE) | 24.4250% | 192 |
| Retained earnings to average equity (ytd only) | 6.3891% | 2,657 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2190% | 1,936 |
| Assets per employee ($millions) | 4.5701% | 4,072 |
| Cash dividends to net income (ytd only)* | 73.8421% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7594% | 4,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.9134% | 1,439 |
| Net loans and leases to deposits | 72.7435% | 1,989 |
| Net loans and leases to core deposits | 82.3525% | 1,545 |
| Total domestic deposits to total assets | 91.9853% | 133 |
| Equity capital to assets | 7.7855% | 4,619 |
| Core capital (leverage) ratio | 8.0354% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1144% | 1,584 |
| Memoranda: | ||
| Average total assets | $159,760,750 | 3,433 |
| Average earning assets | $153,562,500 | 3,374 |
| Average equity | $12,375,000 | 3,943 |
| Average total loans | $112,355,250 | 3,079 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0179% | 1,529 |
| Cost of funding earning assets | 0.9127% | 177 |
| Net interest margin | 3.1053% | 3,019 |
| Noninterest income to average assets | 3.9124% | 141 |
| Noninterest expense to average assets | 4.5870% | 211 |
| Loan and lease loss provision to assets | 0.1262% | 994 |
| Net operating income to assets | 2.0726% | 427 |
| Return on assets (ROA) | 2.0726% | 448 |
| Pretax return on assets | 2.1791% | 599 |
| Return on Equity (ROE) | 26.8118% | 152 |
| Retained earnings to average equity (ytd only) | 4.3382% | 3,416 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5522% | 2,076 |
| Assets per employee ($millions) | 4.4754% | 4,117 |
| Cash dividends to net income (ytd only)* | 83.8198% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7523% | 4,450 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.0834% | 1,568 |
| Net loans and leases to deposits | 72.9042% | 2,123 |
| Net loans and leases to core deposits | 84.2469% | 1,542 |
| Total domestic deposits to total assets | 92.0157% | 120 |
| Equity capital to assets | 7.7264% | 4,664 |
| Core capital (leverage) ratio | 8.0393% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7186% | 1,717 |
| Memoranda: | ||
| Average total assets | $152,080,333 | 3,515 |
| Average earning assets | $145,945,667 | 3,460 |
| Average equity | $11,756,000 | 4,015 |
| Average total loans | $108,722,000 | 3,140 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 1,252 |
| Cost of funding earning assets | 0.9619% | 166 |
| Net interest margin | 3.2074% | 2,676 |
| Noninterest income to average assets | 4.3626% | 131 |
| Noninterest expense to average assets | 4.6846% | 191 |
| Loan and lease loss provision to assets | 0.0055% | 2,693 |
| Net operating income to assets | 2.6148% | 222 |
| Return on assets (ROA) | 2.6148% | 245 |
| Pretax return on assets | 2.7469% | 324 |
| Return on Equity (ROE) | 33.8169% | 94 |
| Retained earnings to average equity (ytd only) | 28.3350% | 89 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9904% | 2,609 |
| Assets per employee ($millions) | 4.3341% | 4,250 |
| Cash dividends to net income (ytd only)* | 16.2105% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6898% | 4,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 70.9972% | 1,154 |
| Net loans and leases to deposits | 78.6914% | 1,646 |
| Net loans and leases to core deposits | 92.2055% | 1,102 |
| Total domestic deposits to total assets | 90.2223% | 711 |
| Equity capital to assets | 7.6701% | 4,647 |
| Core capital (leverage) ratio | 8.1750% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2286% | 2,196 |
| Memoranda: | ||
| Average total assets | $145,326,500 | 3,573 |
| Average earning assets | $139,302,500 | 3,523 |
| Average equity | $11,237,000 | 4,085 |
| Average total loans | $107,121,000 | 3,165 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0249% | 461 |
| Cost of funding earning assets | 1.4611% | 98 |
| Net interest margin | 3.5637% | 2,266 |
| Noninterest income to average assets | 4.4287% | 127 |
| Noninterest expense to average assets | 5.0697% | 189 |
| Loan and lease loss provision to assets | 0.0948% | 3,160 |
| Net operating income to assets | 2.5379% | 131 |
| Return on assets (ROA) | 2.5379% | 134 |
| Pretax return on assets | 2.6454% | 162 |
| Return on Equity (ROE) | 31.9492% | 57 |
| Retained earnings to average equity (ytd only) | 25.6840% | 39 |
| Net charge-offs to loans | -0.0010% | 3,943 |
| Credit loss provision to net charge-offs | -11,100.0000% | 4,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9142% | 2,689 |
| Assets per employee ($millions) | 3.9703% | 4,399 |
| Cash dividends to net income (ytd only)* | 19.6098% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7051% | 4,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 75.5975% | 831 |
| Net loans and leases to deposits | 84.5896% | 1,401 |
| Net loans and leases to core deposits | 101.3253% | 844 |
| Total domestic deposits to total assets | 89.3697% | 821 |
| Equity capital to assets | 7.8000% | 4,772 |
| Core capital (leverage) ratio | 8.4924% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1685% | 2,177 |
| Memoranda: | ||
| Average total assets | $117,146,000 | 3,779 |
| Average earning assets | $111,147,400 | 3,749 |
| Average equity | $9,305,400 | 4,270 |
| Average total loans | $99,284,600 | 3,240 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1988% | 414 |
| Cost of funding earning assets | 1.6030% | 75 |
| Net interest margin | 3.5958% | 2,284 |
| Noninterest income to average assets | 3.3269% | 163 |
| Noninterest expense to average assets | 4.6699% | 222 |
| Loan and lease loss provision to assets | 0.1325% | 2,695 |
| Net operating income to assets | 1.8622% | 398 |
| Return on assets (ROA) | 1.8622% | 442 |
| Pretax return on assets | 1.9279% | 597 |
| Return on Equity (ROE) | 23.3126% | 143 |
| Retained earnings to average equity (ytd only) | 16.0648% | 154 |
| Net charge-offs to loans | -0.0014% | 3,845 |
| Credit loss provision to net charge-offs | -11,100.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3863% | 1,978 |
| Assets per employee ($millions) | 3.9812% | 4,326 |
| Cash dividends to net income (ytd only)* | 31.0897% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6214% | 4,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 93.6514% | 9 |
| Net loans and leases to deposits | 109.0406% | 247 |
| Net loans and leases to core deposits | 135.9178% | 183 |
| Total domestic deposits to total assets | 85.8867% | 2,119 |
| Equity capital to assets | 7.4758% | 4,864 |
| Core capital (leverage) ratio | 8.2456% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0193% | 2,918 |
| Memoranda: | ||
| Average total assets | $111,692,250 | 3,854 |
| Average earning assets | $105,714,500 | 3,825 |
| Average equity | $8,922,000 | 4,338 |
| Average total loans | $97,656,500 | 3,280 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3358% | 454 |
| Cost of funding earning assets | 1.7739% | 54 |
| Net interest margin | 3.5618% | 2,604 |
| Noninterest income to average assets | 3.2276% | 148 |
| Noninterest expense to average assets | 4.6836% | 230 |
| Loan and lease loss provision to assets | 0.1541% | 2,457 |
| Net operating income to assets | 1.7077% | 612 |
| Return on assets (ROA) | 1.7077% | 668 |
| Pretax return on assets | 1.7509% | 890 |
| Return on Equity (ROE) | 20.8454% | 211 |
| Retained earnings to average equity (ytd only) | 13.5071% | 310 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0864% | 1,810 |
| Assets per employee ($millions) | 4.2335% | 4,069 |
| Cash dividends to net income (ytd only)* | 35.2035% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7154% | 4,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 83.8230% | 267 |
| Net loans and leases to deposits | 94.0626% | 959 |
| Net loans and leases to core deposits | 120.7899% | 403 |
| Total domestic deposits to total assets | 89.1141% | 709 |
| Equity capital to assets | 7.6245% | 4,850 |
| Core capital (leverage) ratio | 8.2274% | 4,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8827% | 2,656 |
| Memoranda: | ||
| Average total assets | $106,457,000 | 3,907 |
| Average earning assets | $100,454,000 | 3,874 |
| Average equity | $8,721,333 | 4,370 |
| Average total loans | $90,190,000 | 3,409 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4614% | 407 |
| Cost of funding earning assets | 1.9320% | 47 |
| Net interest margin | 3.5293% | 2,883 |
| Noninterest income to average assets | 2.6211% | 182 |
| Noninterest expense to average assets | 4.4057% | 331 |
| Loan and lease loss provision to assets | 0.1713% | 1,718 |
| Net operating income to assets | 1.2946% | 1,257 |
| Return on assets (ROA) | 1.2946% | 1,356 |
| Pretax return on assets | 1.3623% | 1,681 |
| Return on Equity (ROE) | 15.1816% | 527 |
| Retained earnings to average equity (ytd only) | 10.6505% | 620 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1784% | 1,788 |
| Assets per employee ($millions) | 3.8748% | 4,082 |
| Cash dividends to net income (ytd only)* | 29.8462% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 4,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 88.2784% | 66 |
| Net loans and leases to deposits | 97.0049% | 817 |
| Net loans and leases to core deposits | 139.1554% | 176 |
| Total domestic deposits to total assets | 91.0041% | 106 |
| Equity capital to assets | 8.6127% | 4,785 |
| Core capital (leverage) ratio | 8.9159% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8531% | 2,772 |
| Memoranda: | ||
| Average total assets | $100,416,000 | 3,986 |
| Average earning assets | $94,408,500 | 3,954 |
| Average equity | $8,563,000 | 4,414 |
| Average total loans | $85,245,500 | 3,495 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6505% | 438 |
| Cost of funding earning assets | 2.0797% | 43 |
| Net interest margin | 3.5708% | 3,225 |
| Noninterest income to average assets | 2.5926% | 190 |
| Noninterest expense to average assets | 4.1281% | 458 |
| Loan and lease loss provision to assets | 0.0508% | 3,008 |
| Net operating income to assets | 1.6945% | 666 |
| Return on assets (ROA) | 1.6945% | 710 |
| Pretax return on assets | 1.7785% | 994 |
| Return on Equity (ROE) | 18.9701% | 271 |
| Retained earnings to average equity (ytd only) | 6.2451% | 1,746 |
| Net charge-offs to loans | 0.0051% | 3,492 |
| Credit loss provision to net charge-offs | 1,150.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 414.0000% | 224 |
| Efficiency ratio | 69.2935% | 2,276 |
| Assets per employee ($millions) | 4.1703% | 3,667 |
| Cash dividends to net income (ytd only)* | 67.0795% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 4,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 2,548 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 80.1741% | 759 |
| Net loans and leases to deposits | 88.3374% | 1,794 |
| Net loans and leases to core deposits | 122.6732% | 408 |
| Total domestic deposits to total assets | 90.7589% | 154 |
| Equity capital to assets | 8.4417% | 4,935 |
| Core capital (leverage) ratio | 8.6239% | 4,766 |
| Tier 1 risk-based capital ratio | 11.9395% | 4,395 |
| Total risk-based capital ratio | 12.8354% | 4,466 |
| Memoranda: | ||
| Average total assets | $90,526,400 | 4,143 |
| Average earning assets | $85,302,000 | 4,106 |
| Average equity | $8,086,400 | 4,499 |
| Average total loans | $78,948,800 | 3,619 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6652% | 443 |
| Cost of funding earning assets | 2.0509% | 51 |
| Net interest margin | 3.6143% | 3,216 |
| Noninterest income to average assets | 2.5445% | 197 |
| Noninterest expense to average assets | 4.0966% | 474 |
| Loan and lease loss provision to assets | 0.0575% | 2,748 |
| Net operating income to assets | 1.7185% | 720 |
| Return on assets (ROA) | 1.7185% | 758 |
| Pretax return on assets | 1.8002% | 1,091 |
| Return on Equity (ROE) | 18.9429% | 318 |
| Retained earnings to average equity (ytd only) | 2.9514% | 3,906 |
| Net charge-offs to loans | 0.0068% | 3,135 |
| Credit loss provision to net charge-offs | 950.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 307.1839% | 308 |
| Efficiency ratio | 68.8008% | 2,288 |
| Assets per employee ($millions) | 4.7679% | 2,832 |
| Cash dividends to net income (ytd only)* | 84.4186% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7654% | 4,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 2,573 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 85.1171% | 244 |
| Net loans and leases to deposits | 93.5049% | 1,270 |
| Net loans and leases to core deposits | 134.9079% | 242 |
| Total domestic deposits to total assets | 91.0296% | 98 |
| Equity capital to assets | 8.5174% | 4,993 |
| Core capital (leverage) ratio | 8.8560% | 4,743 |
| Tier 1 risk-based capital ratio | 11.8904% | 4,466 |
| Total risk-based capital ratio | 12.8069% | 4,543 |
| Memoranda: | ||
| Average total assets | $88,136,500 | 4,223 |
| Average earning assets | $83,148,750 | 4,190 |
| Average equity | $7,995,750 | 4,558 |
| Average total loans | $78,466,750 | 3,666 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6542% | 435 |
| Cost of funding earning assets | 1.9899% | 62 |
| Net interest margin | 3.6643% | 3,052 |
| Noninterest income to average assets | 2.2933% | 215 |
| Noninterest expense to average assets | 4.0173% | 524 |
| Loan and lease loss provision to assets | 0.0770% | 2,272 |
| Net operating income to assets | 1.5887% | 933 |
| Return on assets (ROA) | 1.5887% | 976 |
| Pretax return on assets | 1.6657% | 1,349 |
| Return on Equity (ROE) | 17.1242% | 453 |
| Retained earnings to average equity (ytd only) | -4.5011% | 5,037 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7448% | 2,265 |
| Assets per employee ($millions) | 4.7201% | 2,846 |
| Cash dividends to net income (ytd only)* | 126.2849% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 4,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 89.4315% | 66 |
| Net loans and leases to deposits | 102.0758% | 536 |
| Net loans and leases to core deposits | 153.5005% | 117 |
| Total domestic deposits to total assets | 87.6129% | 1,279 |
| Equity capital to assets | 8.6595% | 4,972 |
| Core capital (leverage) ratio | 9.0236% | 4,611 |
| Tier 1 risk-based capital ratio | 11.3429% | 4,773 |
| Total risk-based capital ratio | 12.2559% | 4,825 |
| Memoranda: | ||
| Average total assets | $85,729,330 | 4,287 |
| Average earning assets | $81,108,000 | 4,246 |
| Average equity | $7,953,670 | 4,584 |
| Average total loans | $77,358,330 | 3,709 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6593% | 386 |
| Cost of funding earning assets | 1.8982% | 72 |
| Net interest margin | 3.7611% | 2,669 |
| Noninterest income to average assets | 1.7719% | 290 |
| Noninterest expense to average assets | 3.7014% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6286% | 841 |
| Return on assets (ROA) | 1.6286% | 872 |
| Pretax return on assets | 1.6286% | 1,396 |
| Return on Equity (ROE) | 16.9494% | 485 |
| Retained earnings to average equity (ytd only) | 10.2889% | 968 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4444% | 2,433 |
| Assets per employee ($millions) | 4.9746% | 2,552 |
| Cash dividends to net income (ytd only)* | 39.2962% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 4,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 88.5997% | 78 |
| Net loans and leases to deposits | 102.4111% | 475 |
| Net loans and leases to core deposits | 162.1832% | 82 |
| Total domestic deposits to total assets | 86.5138% | 2,060 |
| Equity capital to assets | 9.6384% | 4,141 |
| Core capital (leverage) ratio | 10.1906% | 3,397 |
| Tier 1 risk-based capital ratio | 12.6124% | 4,088 |
| Total risk-based capital ratio | 13.5285% | 4,170 |
| Memoranda: | ||
| Average total assets | $83,753,000 | 4,357 |
| Average earning assets | $79,232,500 | 4,317 |
| Average equity | $8,047,500 | 4,616 |
| Average total loans | $75,623,000 | 3,772 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8185% | 229 |
| Cost of funding earning assets | 1.2979% | 220 |
| Net interest margin | 4.5206% | 734 |
| Noninterest income to average assets | 2.6753% | 181 |
| Noninterest expense to average assets | 4.1302% | 447 |
| Loan and lease loss provision to assets | 0.1435% | 1,497 |
| Net operating income to assets | 2.6478% | 115 |
| Return on assets (ROA) | 2.6478% | 115 |
| Pretax return on assets | 2.6478% | 159 |
| Return on Equity (ROE) | 30.2521% | 36 |
| Retained earnings to average equity (ytd only) | 17.8918% | 59 |
| Net charge-offs to loans | 0.0014% | 3,714 |
| Credit loss provision to net charge-offs | 11,500.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 2,237.0000% | 40 |
| Efficiency ratio | 59.6719% | 3,918 |
| Assets per employee ($millions) | 5.1836% | 2,284 |
| Cash dividends to net income (ytd only)* | 40.8577% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7818% | 4,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 90.5918% | 54 |
| Net loans and leases to deposits | 112.9629% | 179 |
| Net loans and leases to core deposits | 174.3595% | 60 |
| Total domestic deposits to total assets | 80.1961% | 4,063 |
| Equity capital to assets | 9.5782% | 4,066 |
| Core capital (leverage) ratio | 10.1786% | 3,373 |
| Tier 1 risk-based capital ratio | 12.2972% | 4,234 |
| Total risk-based capital ratio | 13.2136% | 4,341 |
| Memoranda: | ||
| Average total assets | $80,142,000 | 4,430 |
| Average earning assets | $75,276,800 | 4,397 |
| Average equity | $7,014,400 | 4,746 |
| Average total loans | $72,185,400 | 3,827 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7991% | 220 |
| Cost of funding earning assets | 1.1526% | 321 |
| Net interest margin | 4.6464% | 532 |
| Noninterest income to average assets | 2.8431% | 171 |
| Noninterest expense to average assets | 4.1051% | 454 |
| Loan and lease loss provision to assets | 0.1930% | 914 |
| Net operating income to assets | 2.8951% | 89 |
| Return on assets (ROA) | 2.8951% | 88 |
| Pretax return on assets | 2.8951% | 126 |
| Return on Equity (ROE) | 33.9124% | 27 |
| Retained earnings to average equity (ytd only) | 20.3868% | 53 |
| Net charge-offs to loans | 0.0019% | 3,425 |
| Credit loss provision to net charge-offs | 11,500.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,844.5639% | 35 |
| Efficiency ratio | 57.0695% | 4,245 |
| Assets per employee ($millions) | 5.0677% | 2,379 |
| Cash dividends to net income (ytd only)* | 39.8841% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8059% | 4,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 89.8684% | 76 |
| Net loans and leases to deposits | 117.1718% | 135 |
| Net loans and leases to core deposits | 182.1336% | 49 |
| Total domestic deposits to total assets | 76.6980% | 4,689 |
| Equity capital to assets | 9.5260% | 4,053 |
| Core capital (leverage) ratio | 9.5451% | 4,121 |
| Tier 1 risk-based capital ratio | 12.2363% | 4,356 |
| Total risk-based capital ratio | 13.1740% | 4,423 |
| Memoranda: | ||
| Average total assets | $79,443,000 | 4,483 |
| Average earning assets | $74,377,750 | 4,460 |
| Average equity | $6,782,000 | 4,830 |
| Average total loans | $71,300,000 | 3,880 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6593% | 254 |
| Cost of funding earning assets | 0.9744% | 528 |
| Net interest margin | 4.6849% | 456 |
| Noninterest income to average assets | 1.5641% | 397 |
| Noninterest expense to average assets | 4.1574% | 437 |
| Loan and lease loss provision to assets | 0.2459% | 625 |
| Net operating income to assets | 1.5362% | 1,062 |
| Return on assets (ROA) | 1.5362% | 1,068 |
| Pretax return on assets | 1.5362% | 1,690 |
| Return on Equity (ROE) | 18.7384% | 355 |
| Retained earnings to average equity (ytd only) | 1.7316% | 4,554 |
| Net charge-offs to loans | 0.0028% | 3,093 |
| Credit loss provision to net charge-offs | 9,700.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 703.0000% | 117 |
| Efficiency ratio | 69.9957% | 2,313 |
| Assets per employee ($millions) | 3.6951% | 4,356 |
| Cash dividends to net income (ytd only)* | 90.7591% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 4,833 |
| Loan loss allowance to noncurrent loans | 691.5663% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 4,513 |
| Noncurrent loans to loans | 0.1080% | 4,430 |
| Net loans and leases to total assets | 89.7173% | 78 |
| Net loans and leases to deposits | 112.4171% | 225 |
| Net loans and leases to core deposits | 135.7789% | 244 |
| Total domestic deposits to total assets | 79.8075% | 4,276 |
| Equity capital to assets | 7.9365% | 5,245 |
| Core capital (leverage) ratio | 8.5188% | 5,093 |
| Tier 1 risk-based capital ratio | 10.0829% | 5,411 |
| Total risk-based capital ratio | 10.9446% | 5,445 |
| Memoranda: | ||
| Average total assets | $78,896,330 | 4,536 |
| Average earning assets | $73,684,000 | 4,512 |
| Average equity | $6,468,000 | 4,934 |
| Average total loans | $70,580,000 | 3,920 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5922% | 238 |
| Cost of funding earning assets | 0.9207% | 538 |
| Net interest margin | 4.6715% | 425 |
| Noninterest income to average assets | 1.4238% | 466 |
| Noninterest expense to average assets | 4.0184% | 519 |
| Loan and lease loss provision to assets | 0.3164% | 404 |
| Net operating income to assets | 1.4502% | 1,194 |
| Return on assets (ROA) | 1.4502% | 1,200 |
| Pretax return on assets | 1.4502% | 1,837 |
| Return on Equity (ROE) | 17.3789% | 473 |
| Retained earnings to average equity (ytd only) | 14.9775% | 328 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4622% | 2,584 |
| Assets per employee ($millions) | 3.6094% | 4,528 |
| Cash dividends to net income (ytd only)* | 13.8182% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7618% | 4,886 |
| Loan loss allowance to noncurrent loans | 560.4167% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 4,493 |
| Noncurrent loans to loans | 0.1359% | 4,357 |
| Net loans and leases to total assets | 88.2617% | 116 |
| Net loans and leases to deposits | 107.3983% | 329 |
| Net loans and leases to core deposits | 144.9825% | 167 |
| Total domestic deposits to total assets | 82.1817% | 3,908 |
| Equity capital to assets | 8.3444% | 5,081 |
| Core capital (leverage) ratio | 8.8132% | 4,880 |
| Tier 1 risk-based capital ratio | 10.2448% | 5,430 |
| Total risk-based capital ratio | 11.0809% | 5,485 |
| Memoranda: | ||
| Average total assets | $75,851,000 | 4,641 |
| Average earning assets | $70,813,000 | 4,623 |
| Average equity | $6,329,500 | 5,008 |
| Average total loans | $67,459,000 | 4,026 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3230% | 349 |
| Cost of funding earning assets | 0.7659% | 758 |
| Net interest margin | 4.5571% | 547 |
| Noninterest income to average assets | 1.8450% | 335 |
| Noninterest expense to average assets | 4.7420% | 261 |
| Loan and lease loss provision to assets | 0.4322% | 327 |
| Net operating income to assets | 0.8444% | 2,974 |
| Return on assets (ROA) | 0.8444% | 3,001 |
| Pretax return on assets | 0.8444% | 4,112 |
| Return on Equity (ROE) | 10.0666% | 1,855 |
| Retained earnings to average equity (ytd only) | 6.6384% | 1,213 |
| Net charge-offs to loans | 0.1106% | 1,961 |
| Credit loss provision to net charge-offs | 448.2759% | 703 |
| Earnings coverage of net charge-offs (x) | 13.2414% | 2,415 |
| Efficiency ratio | 78.7904% | 1,250 |
| Assets per employee ($millions) | 3.6148% | 4,549 |
| Cash dividends to net income (ytd only)* | 34.0551% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7435% | 4,968 |
| Loan loss allowance to noncurrent loans | 562.3529% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 4,545 |
| Noncurrent loans to loans | 0.1322% | 4,400 |
| Net loans and leases to total assets | 88.2717% | 125 |
| Net loans and leases to deposits | 105.1386% | 439 |
| Net loans and leases to core deposits | 143.3906% | 181 |
| Total domestic deposits to total assets | 83.9574% | 3,227 |
| Equity capital to assets | 8.3450% | 5,234 |
| Core capital (leverage) ratio | 8.9691% | 4,687 |
| Tier 1 risk-based capital ratio | 10.3902% | 5,406 |
| Total risk-based capital ratio | 11.2181% | 5,485 |
| Memoranda: | ||
| Average total assets | $60,164,200 | 4,964 |
| Average earning assets | $55,100,400 | 4,975 |
| Average equity | $5,046,400 | 5,267 |
| Average total loans | $52,437,600 | 4,399 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2272% | 399 |
| Cost of funding earning assets | 0.7511% | 756 |
| Net interest margin | 4.4761% | 632 |
| Noninterest income to average assets | 1.9440% | 321 |
| Noninterest expense to average assets | 4.8822% | 238 |
| Loan and lease loss provision to assets | 0.3711% | 394 |
| Net operating income to assets | 0.7655% | 3,664 |
| Return on assets (ROA) | 0.7655% | 3,720 |
| Pretax return on assets | 0.7655% | 4,440 |
| Return on Equity (ROE) | 9.1113% | 2,544 |
| Retained earnings to average equity (ytd only) | 5.4447% | 2,573 |
| Net charge-offs to loans | -0.0054% | 4,477 |
| Credit loss provision to net charge-offs | -7,950.0000% | 5,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1167% | 987 |
| Assets per employee ($millions) | 3.3433% | 4,918 |
| Cash dividends to net income (ytd only)* | 40.2451% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7829% | 4,938 |
| Loan loss allowance to noncurrent loans | 167.4330% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 3,387 |
| Noncurrent loans to loans | 0.4676% | 3,298 |
| Net loans and leases to total assets | 87.1810% | 191 |
| Net loans and leases to deposits | 95.7171% | 1,131 |
| Net loans and leases to core deposits | 130.8385% | 327 |
| Total domestic deposits to total assets | 91.0820% | 166 |
| Equity capital to assets | 8.3513% | 5,370 |
| Core capital (leverage) ratio | 8.4940% | 5,254 |
| Tier 1 risk-based capital ratio | 10.2723% | 5,519 |
| Total risk-based capital ratio | 11.1265% | 5,588 |
| Memoranda: | ||
| Average total assets | $57,131,500 | 5,077 |
| Average earning assets | $52,008,500 | 5,089 |
| Average equity | $4,799,750 | 5,364 |
| Average total loans | $49,473,500 | 4,513 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0287% | 539 |
| Cost of funding earning assets | 0.7190% | 800 |
| Net interest margin | 4.3097% | 832 |
| Noninterest income to average assets | 1.7200% | 394 |
| Noninterest expense to average assets | 4.8726% | 237 |
| Loan and lease loss provision to assets | 0.4327% | 288 |
| Net operating income to assets | 0.3164% | 5,182 |
| Return on assets (ROA) | 0.3164% | 5,202 |
| Pretax return on assets | 0.3164% | 5,314 |
| Return on Equity (ROE) | 3.7570% | 4,892 |
| Retained earnings to average equity (ytd only) | 0.0432% | 5,061 |
| Net charge-offs to loans | -0.0042% | 4,301 |
| Credit loss provision to net charge-offs | -11,900.0000% | 5,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6753% | 639 |
| Assets per employee ($millions) | 3.2928% | 4,991 |
| Cash dividends to net income (ytd only)* | 98.8506% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 5,211 |
| Loan loss allowance to noncurrent loans | 5,657.1429% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 5,253 |
| Noncurrent loans to loans | 0.0124% | 5,127 |
| Net loans and leases to total assets | 89.7160% | 86 |
| Net loans and leases to deposits | 106.7985% | 367 |
| Net loans and leases to core deposits | 132.5423% | 269 |
| Total domestic deposits to total assets | 84.0049% | 3,192 |
| Equity capital to assets | 7.8497% | 5,588 |
| Core capital (leverage) ratio | 8.8206% | 4,928 |
| Tier 1 risk-based capital ratio | 10.0358% | 5,620 |
| Total risk-based capital ratio | 10.8542% | 5,677 |
| Memoranda: | ||
| Average total assets | $55,001,000 | 5,154 |
| Average earning assets | $49,794,670 | 5,161 |
| Average equity | $4,631,330 | 5,425 |
| Average total loans | $47,359,000 | 4,600 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1711% | 398 |
| Cost of funding earning assets | 0.7262% | 737 |
| Net interest margin | 4.4449% | 580 |
| Noninterest income to average assets | 1.2027% | 711 |
| Noninterest expense to average assets | 4.8653% | 254 |
| Loan and lease loss provision to assets | 0.0703% | 2,405 |
| Net operating income to assets | 0.2343% | 5,340 |
| Return on assets (ROA) | 0.2343% | 5,352 |
| Pretax return on assets | 0.2343% | 5,400 |
| Return on Equity (ROE) | 2.6717% | 5,188 |
| Retained earnings to average equity (ytd only) | -1.0687% | 5,075 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1088% | 381 |
| Assets per employee ($millions) | 2.9840% | 5,366 |
| Cash dividends to net income (ytd only)* | 140.0000% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6309% | 5,430 |
| Loan loss allowance to noncurrent loans | 2,850.0000% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 5,270 |
| Noncurrent loans to loans | 0.0221% | 5,133 |
| Net loans and leases to total assets | 83.5661% | 410 |
| Net loans and leases to deposits | 91.7781% | 1,349 |
| Net loans and leases to core deposits | 113.3116% | 712 |
| Total domestic deposits to total assets | 91.0523% | 288 |
| Equity capital to assets | 8.3594% | 5,326 |
| Core capital (leverage) ratio | 8.6327% | 5,119 |
| Tier 1 risk-based capital ratio | 10.8756% | 5,374 |
| Total risk-based capital ratio | 11.5739% | 5,550 |
| Memoranda: | ||
| Average total assets | $51,220,000 | 5,288 |
| Average earning assets | $45,715,500 | 5,297 |
| Average equity | $4,491,500 | 5,498 |
| Average total loans | $42,776,000 | 4,762 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3856% | 302 |
| Cost of funding earning assets | 0.5512% | 1,678 |
| Net interest margin | 4.8344% | 328 |
| Noninterest income to average assets | 2.4040% | 266 |
| Noninterest expense to average assets | 5.2486% | 236 |
| Loan and lease loss provision to assets | 0.1291% | 1,927 |
| Net operating income to assets | 1.4580% | 902 |
| Return on assets (ROA) | 1.4580% | 929 |
| Pretax return on assets | 1.4580% | 1,726 |
| Return on Equity (ROE) | 15.1543% | 609 |
| Retained earnings to average equity (ytd only) | 11.2674% | 280 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7828% | 1,882 |
| Assets per employee ($millions) | 2.4364% | 5,689 |
| Cash dividends to net income (ytd only)* | 25.6489% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6835% | 5,389 |
| Loan loss allowance to noncurrent loans | 3,066.6667% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 5,161 |
| Noncurrent loans to loans | 0.0223% | 5,180 |
| Net loans and leases to total assets | 82.3059% | 567 |
| Net loans and leases to deposits | 96.5061% | 952 |
| Net loans and leases to core deposits | 111.2109% | 818 |
| Total domestic deposits to total assets | 85.2857% | 2,927 |
| Equity capital to assets | 9.2206% | 4,560 |
| Core capital (leverage) ratio | 9.3380% | 4,303 |
| Tier 1 risk-based capital ratio | 12.1585% | 4,609 |
| Total risk-based capital ratio | 12.9111% | 4,854 |
| Memoranda: | ||
| Average total assets | $44,926,000 | 5,442 |
| Average earning assets | $41,183,600 | 5,439 |
| Average equity | $4,322,200 | 5,585 |
| Average total loans | $38,432,200 | 4,930 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 260 |
| Cost of funding earning assets | 0.5141% | 1,986 |
| Net interest margin | 4.9532% | 280 |
| Noninterest income to average assets | 2.4437% | 264 |
| Noninterest expense to average assets | 4.9026% | 287 |
| Loan and lease loss provision to assets | 0.1425% | 1,642 |
| Net operating income to assets | 1.9556% | 362 |
| Return on assets (ROA) | 1.9556% | 382 |
| Pretax return on assets | 1.9556% | 632 |
| Return on Equity (ROE) | 20.0953% | 238 |
| Retained earnings to average equity (ytd only) | 15.4843% | 123 |
| Net charge-offs to loans | 0.0035% | 3,805 |
| Credit loss provision to net charge-offs | 4,700.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 693.7143% | 133 |
| Efficiency ratio | 70.0303% | 2,881 |
| Assets per employee ($millions) | 2.4433% | 5,759 |
| Cash dividends to net income (ytd only)* | 22.9459% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6806% | 5,464 |
| Loan loss allowance to noncurrent loans | 1,056.0000% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 4,708 |
| Noncurrent loans to loans | 0.0644% | 5,095 |
| Net loans and leases to total assets | 82.9908% | 513 |
| Net loans and leases to deposits | 92.7220% | 1,409 |
| Net loans and leases to core deposits | 123.1335% | 432 |
| Total domestic deposits to total assets | 89.5050% | 671 |
| Equity capital to assets | 9.7562% | 4,414 |
| Core capital (leverage) ratio | 9.3247% | 4,432 |
| Tier 1 risk-based capital ratio | 12.5771% | 4,430 |
| Total risk-based capital ratio | 13.3209% | 4,649 |
| Memoranda: | ||
| Average total assets | $43,975,500 | 5,521 |
| Average earning assets | $40,458,000 | 5,515 |
| Average equity | $4,279,500 | 5,655 |
| Average total loans | $37,944,750 | 4,992 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3573% | 324 |
| Cost of funding earning assets | 0.4469% | 2,598 |
| Net interest margin | 4.9104% | 309 |
| Noninterest income to average assets | 1.9045% | 361 |
| Noninterest expense to average assets | 4.6525% | 336 |
| Loan and lease loss provision to assets | 0.1344% | 1,697 |
| Net operating income to assets | 1.6497% | 644 |
| Return on assets (ROA) | 1.6497% | 687 |
| Pretax return on assets | 1.6497% | 1,220 |
| Return on Equity (ROE) | 16.9672% | 441 |
| Retained earnings to average equity (ytd only) | 16.9672% | 97 |
| Net charge-offs to loans | 0.0212% | 3,068 |
| Credit loss provision to net charge-offs | 725.0000% | 494 |
| Earnings coverage of net charge-offs (x) | 96.2500% | 601 |
| Efficiency ratio | 72.2822% | 2,607 |
| Assets per employee ($millions) | 3.1961% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5828% | 5,705 |
| Loan loss allowance to noncurrent loans | 315.5844% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 4,349 |
| Noncurrent loans to loans | 0.1847% | 4,695 |
| Net loans and leases to total assets | 86.4667% | 219 |
| Net loans and leases to deposits | 104.7004% | 428 |
| Net loans and leases to core deposits | 141.3187% | 176 |
| Total domestic deposits to total assets | 82.5848% | 3,805 |
| Equity capital to assets | 9.1592% | 5,103 |
| Core capital (leverage) ratio | 9.9167% | 3,667 |
| Tier 1 risk-based capital ratio | 11.9561% | 4,854 |
| Total risk-based capital ratio | 12.6283% | 5,124 |
| Memoranda: | ||
| Average total assets | $43,160,000 | 5,603 |
| Average earning assets | $39,833,670 | 5,588 |
| Average equity | $4,196,330 | 5,730 |
| Average total loans | $37,663,000 | 5,052 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4264% | 284 |
| Cost of funding earning assets | 0.4117% | 2,936 |
| Net interest margin | 5.0147% | 245 |
| Noninterest income to average assets | 1.8249% | 385 |
| Noninterest expense to average assets | 4.9841% | 275 |
| Loan and lease loss provision to assets | 0.1668% | 1,239 |
| Net operating income to assets | 1.3343% | 1,174 |
| Return on assets (ROA) | 1.3343% | 1,255 |
| Pretax return on assets | 1.3343% | 2,165 |
| Return on Equity (ROE) | 13.2715% | 976 |
| Retained earnings to average equity (ytd only) | 13.2715% | 370 |
| Net charge-offs to loans | 0.1122% | 1,452 |
| Credit loss provision to net charge-offs | 170.0000% | 1,191 |
| Earnings coverage of net charge-offs (x) | 15.3000% | 1,665 |
| Efficiency ratio | 76.8533% | 2,064 |
| Assets per employee ($millions) | 2.5813% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6179% | 5,719 |
| Loan loss allowance to noncurrent loans | 212.2642% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 3,983 |
| Noncurrent loans to loans | 0.2911% | 4,393 |
| Net loans and leases to total assets | 87.6271% | 140 |
| Net loans and leases to deposits | 107.7147% | 292 |
| Net loans and leases to core deposits | 136.6176% | 202 |
| Total domestic deposits to total assets | 81.3511% | 4,391 |
| Equity capital to assets | 10.0969% | 3,955 |
| Core capital (leverage) ratio | 9.9737% | 3,564 |
| Tier 1 risk-based capital ratio | 12.6532% | 4,483 |
| Total risk-based capital ratio | 13.3479% | 4,754 |
| Memoranda: | ||
| Average total assets | $40,769,500 | 5,701 |
| Average earning assets | $37,888,500 | 5,685 |
| Average equity | $4,099,000 | 5,793 |
| Average total loans | $35,646,500 | 5,156 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 1,238 |
| Cost of funding earning assets | 0.2956% | 4,302 |
| Net interest margin | 4.3450% | 881 |
| Noninterest income to average assets | 0.9665% | 1,273 |
| Noninterest expense to average assets | 3.8825% | 776 |
| Loan and lease loss provision to assets | 0.5986% | 179 |
| Net operating income to assets | 0.5217% | 4,612 |
| Return on assets (ROA) | 0.6013% | 4,361 |
| Pretax return on assets | 0.6013% | 4,834 |
| Return on Equity (ROE) | 6.2163% | 3,945 |
| Retained earnings to average equity (ytd only) | 6.2163% | 1,693 |
| Net charge-offs to loans | 0.0963% | 2,456 |
| Credit loss provision to net charge-offs | 872.0000% | 387 |
| Earnings coverage of net charge-offs (x) | 16.3200% | 2,141 |
| Efficiency ratio | 77.6070% | 2,029 |
| Assets per employee ($millions) | 2.6826% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6250% | 5,765 |
| Loan loss allowance to noncurrent loans | 106.8627% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 3,075 |
| Noncurrent loans to loans | 0.5849% | 3,421 |
| Net loans and leases to total assets | 86.1353% | 220 |
| Net loans and leases to deposits | 106.5347% | 339 |
| Net loans and leases to core deposits | 115.4294% | 618 |
| Total domestic deposits to total assets | 80.8519% | 4,527 |
| Equity capital to assets | 10.0102% | 3,949 |
| Core capital (leverage) ratio | 10.3380% | 3,117 |
| Tier 1 risk-based capital ratio | 12.5483% | 4,604 |
| Total risk-based capital ratio | 13.2332% | 4,861 |
| Memoranda: | ||
| Average total assets | $36,420,200 | 5,841 |
| Average earning assets | $33,832,200 | 5,817 |
| Average equity | $3,523,000 | 5,924 |
| Average total loans | $25,959,000 | 5,519 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4400% | 1,782 |
| Cost of funding earning assets | 0.2874% | 4,476 |
| Net interest margin | 4.1527% | 1,272 |
| Noninterest income to average assets | 0.5940% | 2,778 |
| Noninterest expense to average assets | 3.4060% | 1,469 |
| Loan and lease loss provision to assets | 0.5714% | 164 |
| Net operating income to assets | 0.4737% | 4,879 |
| Return on assets (ROA) | 0.5827% | 4,561 |
| Pretax return on assets | 0.5827% | 5,021 |
| Return on Equity (ROE) | 6.0841% | 4,115 |
| Retained earnings to average equity (ytd only) | 6.0841% | 2,193 |
| Net charge-offs to loans | 0.0955% | 2,199 |
| Credit loss provision to net charge-offs | 894.1176% | 408 |
| Earnings coverage of net charge-offs (x) | 16.3502% | 2,120 |
| Efficiency ratio | 76.5203% | 2,155 |
| Assets per employee ($millions) | 2.4088% | 6,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5492% | 5,969 |
| Loan loss allowance to noncurrent loans | 49.8442% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 0.9519% | 2,473 |
| Noncurrent loans to loans | 1.1018% | 2,290 |
| Net loans and leases to total assets | 85.9147% | 235 |
| Net loans and leases to deposits | 100.8739% | 617 |
| Net loans and leases to core deposits | 102.6829% | 1,328 |
| Total domestic deposits to total assets | 85.1704% | 2,943 |
| Equity capital to assets | 10.2541% | 3,874 |
| Core capital (leverage) ratio | 9.9159% | 3,751 |
| Tier 1 risk-based capital ratio | 11.4752% | 5,388 |
| Total risk-based capital ratio | 12.0141% | 5,705 |
| Memoranda: | ||
| Average total assets | $35,465,500 | 5,938 |
| Average earning assets | $32,942,000 | 5,914 |
| Average equity | $3,396,750 | 6,015 |
| Average total loans | $23,729,250 | 5,660 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 3,743 |
| Cost of funding earning assets | 0.2802% | 4,611 |
| Net interest margin | 3.6064% | 3,065 |
| Noninterest income to average assets | 0.4328% | 3,833 |
| Noninterest expense to average assets | 2.8352% | 3,114 |
| Loan and lease loss provision to assets | 0.6270% | 141 |
| Net operating income to assets | 0.3274% | 5,361 |
| Return on assets (ROA) | 0.4883% | 4,918 |
| Pretax return on assets | 0.4883% | 5,259 |
| Return on Equity (ROE) | 5.2128% | 4,521 |
| Retained earnings to average equity (ytd only) | 5.2128% | 2,726 |
| Net charge-offs to loans | 0.1094% | 1,902 |
| Credit loss provision to net charge-offs | 941.6667% | 378 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 2,065 |
| Efficiency ratio | 74.8170% | 2,562 |
| Assets per employee ($millions) | 3.5243% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4645% | 6,119 |
| Loan loss allowance to noncurrent loans | 20.2247% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 1.7677% | 1,321 |
| Noncurrent loans to loans | 2.2968% | 1,028 |
| Net loans and leases to total assets | 76.6081% | 1,288 |
| Net loans and leases to deposits | 85.6160% | 2,090 |
| Net loans and leases to core deposits | 87.0121% | 2,653 |
| Total domestic deposits to total assets | 89.4788% | 909 |
| Equity capital to assets | 9.6076% | 4,522 |
| Core capital (leverage) ratio | 9.4209% | 4,388 |
| Tier 1 risk-based capital ratio | 11.2459% | 5,601 |
| Total risk-based capital ratio | 11.6704% | 5,892 |
| Memoranda: | ||
| Average total assets | $36,046,330 | 5,996 |
| Average earning assets | $33,551,000 | 5,966 |
| Average equity | $3,376,330 | 6,080 |
| Average total loans | $21,928,000 | 5,776 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 4,623 |
| Cost of funding earning assets | 0.2704% | 4,783 |
| Net interest margin | 3.3505% | 4,018 |
| Noninterest income to average assets | 0.4829% | 3,400 |
| Noninterest expense to average assets | 2.7656% | 3,364 |
| Loan and lease loss provision to assets | 0.5597% | 176 |
| Net operating income to assets | 0.2853% | 5,462 |
| Return on assets (ROA) | 0.4500% | 4,988 |
| Pretax return on assets | 0.4500% | 5,319 |
| Return on Equity (ROE) | 4.8643% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.8643% | 3,133 |
| Net charge-offs to loans | 0.2690% | 889 |
| Credit loss provision to net charge-offs | 392.3077% | 673 |
| Earnings coverage of net charge-offs (x) | 5.9231% | 2,342 |
| Efficiency ratio | 76.5957% | 2,413 |
| Assets per employee ($millions) | 3.6026% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3058% | 6,296 |
| Loan loss allowance to noncurrent loans | 11.3924% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 1.5350% | 1,690 |
| Noncurrent loans to loans | 2.6843% | 881 |
| Net loans and leases to total assets | 57.0088% | 4,088 |
| Net loans and leases to deposits | 63.5970% | 4,411 |
| Net loans and leases to core deposits | 64.6134% | 4,646 |
| Total domestic deposits to total assets | 89.6408% | 928 |
| Equity capital to assets | 9.4099% | 4,849 |
| Core capital (leverage) ratio | 9.0379% | 4,904 |
| Tier 1 risk-based capital ratio | 15.3796% | 3,208 |
| Total risk-based capital ratio | 15.6743% | 3,687 |
| Memoranda: | ||
| Average total assets | $36,448,000 | 6,043 |
| Average earning assets | $34,024,500 | 6,013 |
| Average equity | $3,371,500 | 6,142 |
| Average total loans | $19,329,500 | 5,925 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1117% | 6,470 |
| Cost of funding earning assets | 0.1150% | 6,274 |
| Net interest margin | 0.9967% | 6,467 |
| Noninterest income to average assets | 0.1110% | 6,115 |
| Noninterest expense to average assets | 0.8934% | 6,459 |
| Loan and lease loss provision to assets | 0.0646% | 3,219 |
| Net operating income to assets | 0.0930% | 5,960 |
| Return on assets (ROA) | 0.1033% | 5,984 |
| Pretax return on assets | 0.1033% | 5,987 |
| Return on Equity (ROE) | 1.3708% | 5,919 |
| Retained earnings to average equity (ytd only) | 1.3708% | 5,162 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0123% | 1,282 |
| Assets per employee ($millions) | 3.6870% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1384% | 6,430 |
| Loan loss allowance to noncurrent loans | 3.5613% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 1.9040% | 1,352 |
| Noncurrent loans to loans | 3.8875% | 493 |
| Net loans and leases to total assets | 48.9097% | 5,078 |
| Net loans and leases to deposits | 54.3703% | 5,304 |
| Net loans and leases to core deposits | 56.0728% | 5,378 |
| Total domestic deposits to total assets | 89.9566% | 750 |
| Equity capital to assets | 9.0941% | 5,187 |
| Core capital (leverage) ratio | 8.6138% | 5,431 |
| Tier 1 risk-based capital ratio | 16.3430% | 2,792 |
| Total risk-based capital ratio | 16.4714% | 3,317 |
| Memoranda: | ||
| Average total assets | $38,729,200 | 6,063 |
| Average earning assets | $36,519,200 | 6,026 |
| Average equity | $2,918,000 | 6,288 |
| Average total loans | $18,783,800 | 6,005 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1908% | 6,585 |
| Cost of funding earning assets | 0.0252% | 6,544 |
| Net interest margin | 0.1656% | 6,584 |
| Noninterest income to average assets | 0.0238% | 6,434 |
| Noninterest expense to average assets | 0.8470% | 6,545 |
| Loan and lease loss provision to assets | 0.0102% | 4,219 |
| Net operating income to assets | -0.6770% | 6,417 |
| Return on assets (ROA) | -0.6770% | 6,414 |
| Pretax return on assets | -0.6770% | 6,401 |
| Return on Equity (ROE) | -9.4449% | 6,435 |
| Retained earnings to average equity (ytd only) | -9.4449% | 6,365 |
| Net charge-offs to loans | -0.0070% | 5,354 |
| Credit loss provision to net charge-offs | -300.0000% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 469.8113% | 5 |
| Assets per employee ($millions) | 3.4421% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0218% | 6,529 |
| Loan loss allowance to noncurrent loans | 0.4175% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 2.5302% | 1,033 |
| Noncurrent loans to loans | 5.2298% | 324 |
| Net loans and leases to total assets | 48.3691% | 5,170 |
| Net loans and leases to deposits | 53.6595% | 5,417 |
| Net loans and leases to core deposits | 55.9924% | 5,448 |
| Total domestic deposits to total assets | 90.1408% | 665 |
| Equity capital to assets | 8.1953% | 6,019 |
| Core capital (leverage) ratio | 7.6216% | 6,238 |
| Tier 1 risk-based capital ratio | 14.7180% | 3,749 |
| Total risk-based capital ratio | 14.7379% | 4,486 |
| Memoranda: | ||
| Average total assets | $39,194,000 | 6,133 |
| Average earning assets | $37,042,000 | 6,087 |
| Average equity | $2,809,250 | 6,373 |
| Average total loans | $18,965,250 | 6,065 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5950% | 5,167 |
| Cost of funding earning assets | 0.6701% | 1,373 |
| Net interest margin | 2.9249% | 5,685 |
| Noninterest income to average assets | 0.4894% | 3,555 |
| Noninterest expense to average assets | 2.5430% | 4,446 |
| Loan and lease loss provision to assets | 0.5046% | 295 |
| Net operating income to assets | 0.2170% | 5,787 |
| Return on assets (ROA) | 0.6711% | 4,084 |
| Pretax return on assets | 0.6711% | 4,732 |
| Return on Equity (ROE) | 9.8107% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.8107% | 764 |
| Net charge-offs to loans | 0.5318% | 770 |
| Credit loss provision to net charge-offs | 196.0784% | 1,197 |
| Earnings coverage of net charge-offs (x) | 2.8039% | 3,463 |
| Efficiency ratio | 77.8980% | 2,304 |
| Assets per employee ($millions) | 3.5895% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0870% | 1,202 |
| Loan loss allowance to noncurrent loans | 35.2886% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 2.7200% | 971 |
| Noncurrent loans to loans | 5.9141% | 271 |
| Net loans and leases to total assets | 45.0323% | 5,462 |
| Net loans and leases to deposits | 48.9349% | 5,707 |
| Net loans and leases to core deposits | 50.9251% | 5,737 |
| Total domestic deposits to total assets | 92.0248% | 168 |
| Equity capital to assets | 7.1875% | 6,415 |
| Core capital (leverage) ratio | 6.9660% | 6,436 |
| Tier 1 risk-based capital ratio | 13.8582% | 4,345 |
| Total risk-based capital ratio | 15.1175% | 4,292 |
| Memoranda: | ||
| Average total assets | $39,637,670 | 6,182 |
| Average earning assets | $37,607,670 | 6,125 |
| Average equity | $2,711,330 | 6,444 |
| Average total loans | $19,181,000 | 6,108 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8413% | 4,316 |
| Cost of funding earning assets | 0.7322% | 1,062 |
| Net interest margin | 3.1091% | 5,221 |
| Noninterest income to average assets | 0.5540% | 3,024 |
| Noninterest expense to average assets | 2.4979% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0072% | 2,188 |
| Return on assets (ROA) | 1.0676% | 2,006 |
| Pretax return on assets | 1.0676% | 3,044 |
| Return on Equity (ROE) | 16.0121% | 637 |
| Retained earnings to average equity (ytd only) | 16.0121% | 267 |
| Net charge-offs to loans | -0.0609% | 5,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2644% | 3,618 |
| Assets per employee ($millions) | 3.9617% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 2,323 |
| Loan loss allowance to noncurrent loans | 51.6279% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 1.6533% | 2,135 |
| Noncurrent loans to loans | 3.3082% | 920 |
| Net loans and leases to total assets | 48.3732% | 5,074 |
| Net loans and leases to deposits | 52.4179% | 5,431 |
| Net loans and leases to core deposits | 55.5398% | 5,383 |
| Total domestic deposits to total assets | 92.2836% | 197 |
| Equity capital to assets | 6.8834% | 6,472 |
| Core capital (leverage) ratio | 6.8329% | 6,503 |
| Tier 1 risk-based capital ratio | 13.0866% | 4,956 |
| Total risk-based capital ratio | 14.3413% | 4,889 |
| Memoranda: | ||
| Average total assets | $39,714,000 | 6,243 |
| Average earning assets | $37,696,000 | 6,181 |
| Average equity | $2,648,000 | 6,512 |
| Average total loans | $19,691,500 | 6,147 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6097% | 5,378 |
| Cost of funding earning assets | 0.8062% | 1,186 |
| Net interest margin | 2.8035% | 5,974 |
| Noninterest income to average assets | 0.4478% | 4,100 |
| Noninterest expense to average assets | 2.3224% | 5,310 |
| Loan and lease loss provision to assets | 0.3493% | 903 |
| Net operating income to assets | 0.4281% | 5,046 |
| Return on assets (ROA) | 0.5339% | 4,708 |
| Pretax return on assets | 0.5339% | 5,094 |
| Return on Equity (ROE) | 7.6087% | 3,246 |
| Retained earnings to average equity (ytd only) | 1.1220% | 5,324 |
| Net charge-offs to loans | 0.4097% | 1,641 |
| Credit loss provision to net charge-offs | 189.3333% | 1,210 |
| Earnings coverage of net charge-offs (x) | 4.2133% | 3,634 |
| Efficiency ratio | 74.9206% | 2,964 |
| Assets per employee ($millions) | 3.9811% | 3,901 |
| Cash dividends to net income (ytd only)* | 85.2535% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 2,535 |
| Loan loss allowance to noncurrent loans | 46.4135% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 1.7859% | 2,068 |
| Noncurrent loans to loans | 3.5754% | 865 |
| Net loans and leases to total assets | 49.1221% | 5,181 |
| Net loans and leases to deposits | 54.1223% | 5,456 |
| Net loans and leases to core deposits | 56.9664% | 5,462 |
| Total domestic deposits to total assets | 90.7613% | 679 |
| Equity capital to assets | 6.4530% | 6,574 |
| Core capital (leverage) ratio | 6.3589% | 6,613 |
| Tier 1 risk-based capital ratio | 12.4410% | 5,322 |
| Total risk-based capital ratio | 13.6933% | 5,268 |
| Memoranda: | ||
| Average total assets | $40,647,200 | 6,271 |
| Average earning assets | $38,452,000 | 6,210 |
| Average equity | $2,852,000 | 6,557 |
| Average total loans | $18,304,000 | 6,276 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5649% | 5,537 |
| Cost of funding earning assets | 0.7979% | 1,337 |
| Net interest margin | 2.7669% | 6,066 |
| Noninterest income to average assets | 0.4634% | 4,050 |
| Noninterest expense to average assets | 2.1995% | 5,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8779% | 2,948 |
| Return on assets (ROA) | 0.9823% | 2,559 |
| Pretax return on assets | 0.9823% | 3,577 |
| Return on Equity (ROE) | 13.7309% | 1,062 |
| Retained earnings to average equity (ytd only) | 13.6854% | 280 |
| Net charge-offs to loans | 0.0670% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 29.8883% | 1,237 |
| Efficiency ratio | 71.4740% | 3,515 |
| Assets per employee ($millions) | 4.1091% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.3314% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 3,766 |
| Loan loss allowance to noncurrent loans | 55.5799% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 1.1122% | 3,430 |
| Noncurrent loans to loans | 2.5752% | 1,660 |
| Net loans and leases to total assets | 42.5689% | 5,854 |
| Net loans and leases to deposits | 46.1032% | 6,092 |
| Net loans and leases to core deposits | 48.7365% | 6,082 |
| Total domestic deposits to total assets | 92.3341% | 201 |
| Equity capital to assets | 6.7849% | 6,595 |
| Core capital (leverage) ratio | 6.9040% | 6,603 |
| Tier 1 risk-based capital ratio | 14.4012% | 4,147 |
| Total risk-based capital ratio | 15.6539% | 4,104 |
| Memoranda: | ||
| Average total assets | $40,856,250 | 6,337 |
| Average earning assets | $38,598,000 | 6,284 |
| Average equity | $2,922,750 | 6,619 |
| Average total loans | $17,908,500 | 6,354 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5900% | 5,468 |
| Cost of funding earning assets | 0.8013% | 1,402 |
| Net interest margin | 2.7888% | 6,027 |
| Noninterest income to average assets | 0.4757% | 3,990 |
| Noninterest expense to average assets | 2.1139% | 5,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9907% | 2,372 |
| Return on assets (ROA) | 0.9907% | 2,509 |
| Pretax return on assets | 0.9907% | 3,551 |
| Return on Equity (ROE) | 13.6134% | 1,098 |
| Retained earnings to average equity (ytd only) | 13.5460% | 335 |
| Net charge-offs to loans | 0.0111% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 202.0000% | 256 |
| Efficiency ratio | 68.0885% | 4,164 |
| Assets per employee ($millions) | 4.1943% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.4950% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 3,815 |
| Loan loss allowance to noncurrent loans | 71.3896% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 0.8750% | 4,053 |
| Noncurrent loans to loans | 2.0289% | 2,368 |
| Net loans and leases to total assets | 42.5029% | 5,864 |
| Net loans and leases to deposits | 45.9554% | 6,107 |
| Net loans and leases to core deposits | 48.5326% | 6,106 |
| Total domestic deposits to total assets | 92.4874% | 187 |
| Equity capital to assets | 6.6519% | 6,660 |
| Core capital (leverage) ratio | 6.7760% | 6,664 |
| Tier 1 risk-based capital ratio | 13.1501% | 5,035 |
| Total risk-based capital ratio | 14.4025% | 4,971 |
| Memoranda: | ||
| Average total assets | $40,778,000 | 6,387 |
| Average earning assets | $38,439,670 | 6,331 |
| Average equity | $2,967,670 | 6,663 |
| Average total loans | $17,962,670 | 6,393 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 5,148 |
| Cost of funding earning assets | 0.8125% | 1,461 |
| Net interest margin | 2.8914% | 5,831 |
| Noninterest income to average assets | 0.4976% | 3,785 |
| Noninterest expense to average assets | 2.4580% | 4,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7663% | 3,350 |
| Return on assets (ROA) | 0.7663% | 3,494 |
| Pretax return on assets | 0.7663% | 4,308 |
| Return on Equity (ROE) | 10.0769% | 2,031 |
| Retained earnings to average equity (ytd only) | 9.9460% | 1,119 |
| Net charge-offs to loans | 0.0223% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 483 |
| Efficiency ratio | 76.2346% | 2,885 |
| Assets per employee ($millions) | 4.0601% | 3,824 |
| Cash dividends to net income (ytd only)* | 1.2987% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 3,959 |
| Loan loss allowance to noncurrent loans | 113.9130% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 4,976 |
| Noncurrent loans to loans | 1.2837% | 3,633 |
| Net loans and leases to total assets | 43.4842% | 5,713 |
| Net loans and leases to deposits | 47.4189% | 5,964 |
| Net loans and leases to core deposits | 49.3832% | 6,010 |
| Total domestic deposits to total assets | 91.7022% | 306 |
| Equity capital to assets | 7.4111% | 6,620 |
| Core capital (leverage) ratio | 6.5217% | 6,744 |
| Tier 1 risk-based capital ratio | 13.2751% | 5,033 |
| Total risk-based capital ratio | 14.5283% | 4,982 |
| Memoranda: | ||
| Average total assets | $40,195,500 | 6,452 |
| Average earning assets | $37,906,000 | 6,405 |
| Average equity | $3,056,500 | 6,706 |
| Average total loans | $17,899,500 | 6,456 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 5,205 |
| Cost of funding earning assets | 0.8656% | 2,180 |
| Net interest margin | 3.1713% | 5,642 |
| Noninterest income to average assets | 0.4570% | 4,203 |
| Noninterest expense to average assets | 2.5198% | 5,031 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9449% | 2,579 |
| Return on assets (ROA) | 1.2263% | 1,684 |
| Pretax return on assets | 1.2263% | 2,698 |
| Return on Equity (ROE) | 15.1419% | 789 |
| Retained earnings to average equity (ytd only) | 7.9694% | 1,134 |
| Net charge-offs to loans | 0.0767% | 4,909 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 28.1538% | 1,050 |
| Efficiency ratio | 72.7273% | 3,286 |
| Assets per employee ($millions) | 3.9790% | 3,995 |
| Cash dividends to net income (ytd only)* | 47.3684% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 3,863 |
| Loan loss allowance to noncurrent loans | 107.7869% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6509% | 4,843 |
| Noncurrent loans to loans | 1.3645% | 3,551 |
| Net loans and leases to total assets | 44.2800% | 5,793 |
| Net loans and leases to deposits | 48.3693% | 6,086 |
| Net loans and leases to core deposits | 50.0454% | 6,143 |
| Total domestic deposits to total assets | 91.5456% | 328 |
| Equity capital to assets | 7.8010% | 6,502 |
| Core capital (leverage) ratio | 6.6897% | 6,761 |
| Tier 1 risk-based capital ratio | 13.6007% | 4,671 |
| Total risk-based capital ratio | 14.8520% | 4,622 |
| Memoranda: | ||
| Average total assets | $38,734,000 | 6,541 |
| Average earning assets | $36,736,000 | 6,480 |
| Average equity | $3,137,000 | 6,751 |
| Average total loans | $16,959,200 | 6,557 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 5,122 |
| Cost of funding earning assets | 0.8770% | 2,336 |
| Net interest margin | 3.2413% | 5,576 |
| Noninterest income to average assets | 0.4887% | 3,987 |
| Noninterest expense to average assets | 2.4399% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1229% | 2,016 |
| Return on assets (ROA) | 1.4557% | 1,234 |
| Pretax return on assets | 1.4557% | 2,059 |
| Return on Equity (ROE) | 17.8043% | 523 |
| Retained earnings to average equity (ytd only) | 15.3880% | 215 |
| Net charge-offs to loans | 0.0478% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 53.9988% | 714 |
| Efficiency ratio | 68.4825% | 3,961 |
| Assets per employee ($millions) | 3.9641% | 3,944 |
| Cash dividends to net income (ytd only)* | 13.5717% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 3,459 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 5,446 |
| Noncurrent loans to loans | 1.0765% | 4,288 |
| Net loans and leases to total assets | 41.5000% | 6,162 |
| Net loans and leases to deposits | 45.6972% | 6,407 |
| Net loans and leases to core deposits | 46.6245% | 6,481 |
| Total domestic deposits to total assets | 90.8151% | 464 |
| Equity capital to assets | 8.4382% | 6,316 |
| Core capital (leverage) ratio | 6.7960% | 6,832 |
| Tier 1 risk-based capital ratio | 13.4728% | 4,891 |
| Total risk-based capital ratio | 14.7260% | 4,853 |
| Memoranda: | ||
| Average total assets | $38,470,000 | 6,628 |
| Average earning assets | $36,486,750 | 6,563 |
| Average equity | $3,145,250 | 6,838 |
| Average total loans | $16,728,500 | 6,649 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 4,983 |
| Cost of funding earning assets | 0.8871% | 2,510 |
| Net interest margin | 3.3045% | 5,425 |
| Noninterest income to average assets | 0.5147% | 3,824 |
| Noninterest expense to average assets | 2.4580% | 5,267 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1870% | 1,760 |
| Return on assets (ROA) | 1.1870% | 1,958 |
| Pretax return on assets | 1.1870% | 2,985 |
| Return on Equity (ROE) | 14.6817% | 989 |
| Retained earnings to average equity (ytd only) | 12.7977% | 458 |
| Net charge-offs to loans | 0.0120% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 190 |
| Efficiency ratio | 67.4352% | 4,249 |
| Assets per employee ($millions) | 4.1371% | 3,592 |
| Cash dividends to net income (ytd only)* | 12.8319% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 3,273 |
| Loan loss allowance to noncurrent loans | 98.5663% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 5,090 |
| Noncurrent loans to loans | 1.7133% | 3,322 |
| Net loans and leases to total assets | 38.6962% | 6,424 |
| Net loans and leases to deposits | 42.2134% | 6,635 |
| Net loans and leases to core deposits | 43.0257% | 6,696 |
| Total domestic deposits to total assets | 91.6681% | 285 |
| Equity capital to assets | 7.6358% | 6,746 |
| Core capital (leverage) ratio | 6.7697% | 6,871 |
| Tier 1 risk-based capital ratio | 13.6982% | 4,664 |
| Total risk-based capital ratio | 14.9531% | 4,639 |
| Memoranda: | ||
| Average total assets | $38,079,670 | 6,680 |
| Average earning assets | $36,072,330 | 6,622 |
| Average equity | $3,078,670 | 6,892 |
| Average total loans | $16,731,000 | 6,702 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 4,263 |
| Cost of funding earning assets | 0.9156% | 2,565 |
| Net interest margin | 3.5003% | 4,696 |
| Noninterest income to average assets | 0.4940% | 3,949 |
| Noninterest expense to average assets | 2.4812% | 5,207 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3284% | 1,379 |
| Return on assets (ROA) | 1.3284% | 1,539 |
| Pretax return on assets | 1.3284% | 2,433 |
| Return on Equity (ROE) | 15.9289% | 815 |
| Retained earnings to average equity (ytd only) | 15.9289% | 372 |
| Net charge-offs to loans | 0.0236% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 121.0000% | 292 |
| Efficiency ratio | 65.1297% | 4,711 |
| Assets per employee ($millions) | 3.7079% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 3,832 |
| Loan loss allowance to noncurrent loans | 129.1080% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 5,454 |
| Noncurrent loans to loans | 1.2192% | 4,297 |
| Net loans and leases to total assets | 46.3767% | 5,741 |
| Net loans and leases to deposits | 51.0904% | 6,063 |
| Net loans and leases to core deposits | 51.5669% | 6,237 |
| Total domestic deposits to total assets | 90.7738% | 655 |
| Equity capital to assets | 8.4441% | 6,129 |
| Core capital (leverage) ratio | 6.9185% | 6,873 |
| Tier 1 risk-based capital ratio | 13.8351% | 4,583 |
| Total risk-based capital ratio | 15.0859% | 4,558 |
| Memoranda: | ||
| Average total assets | $36,434,000 | 6,780 |
| Average earning assets | $34,511,500 | 6,724 |
| Average equity | $3,038,500 | 6,955 |
| Average total loans | $16,954,500 | 6,752 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 4,519 |
| Cost of funding earning assets | 1.1249% | 2,500 |
| Net interest margin | 3.5119% | 5,096 |
| Noninterest income to average assets | 0.4233% | 4,423 |
| Noninterest expense to average assets | 2.8864% | 4,012 |
| Loan and lease loss provision to assets | 0.0294% | 6,202 |
| Net operating income to assets | 0.8201% | 2,955 |
| Return on assets (ROA) | 1.0523% | 2,136 |
| Pretax return on assets | 1.0523% | 3,027 |
| Return on Equity (ROE) | 12.6430% | 1,248 |
| Retained earnings to average equity (ytd only) | 5.2267% | 2,493 |
| Net charge-offs to loans | 0.0631% | 5,669 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 28.9000% | 863 |
| Efficiency ratio | 77.2620% | 2,701 |
| Assets per employee ($millions) | 3.5789% | 4,832 |
| Cash dividends to net income (ytd only)* | 58.6592% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 3,283 |
| Loan loss allowance to noncurrent loans | 185.2349% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 5,932 |
| Noncurrent loans to loans | 0.9064% | 4,870 |
| Net loans and leases to total assets | 45.1591% | 6,094 |
| Net loans and leases to deposits | 49.6605% | 6,385 |
| Net loans and leases to core deposits | 50.1396% | 6,525 |
| Total domestic deposits to total assets | 90.9358% | 532 |
| Equity capital to assets | 8.2316% | 6,404 |
| Core capital (leverage) ratio | 6.7215% | 6,939 |
| Tier 1 risk-based capital ratio | 13.2058% | 4,910 |
| Total risk-based capital ratio | 14.4593% | 4,885 |
| Memoranda: | ||
| Average total assets | $34,022,000 | 6,859 |
| Average earning assets | $32,091,200 | 6,806 |
| Average equity | $2,831,600 | 7,048 |
| Average total loans | $15,848,200 | 6,859 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7553% | 4,207 |
| Cost of funding earning assets | 1.1635% | 2,542 |
| Net interest margin | 3.5917% | 4,804 |
| Noninterest income to average assets | 0.4407% | 4,359 |
| Noninterest expense to average assets | 2.8270% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9966% | 2,336 |
| Return on assets (ROA) | 1.3103% | 1,437 |
| Pretax return on assets | 1.3103% | 2,255 |
| Return on Equity (ROE) | 15.6971% | 718 |
| Retained earnings to average equity (ytd only) | 15.6971% | 195 |
| Net charge-offs to loans | 0.0680% | 5,281 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 31.3646% | 907 |
| Efficiency ratio | 73.9356% | 3,195 |
| Assets per employee ($millions) | 3.5168% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 2,690 |
| Loan loss allowance to noncurrent loans | 101.1321% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 5,274 |
| Noncurrent loans to loans | 1.8563% | 3,557 |
| Net loans and leases to total assets | 39.8317% | 6,643 |
| Net loans and leases to deposits | 44.2297% | 6,820 |
| Net loans and leases to core deposits | 44.6669% | 6,899 |
| Total domestic deposits to total assets | 90.0563% | 836 |
| Equity capital to assets | 9.0082% | 5,752 |
| Core capital (leverage) ratio | 7.4132% | 6,808 |
| Tier 1 risk-based capital ratio | 15.4828% | 3,397 |
| Total risk-based capital ratio | 16.7345% | 3,370 |
| Memoranda: | ||
| Average total assets | $33,580,250 | 6,937 |
| Average earning assets | $31,627,250 | 6,883 |
| Average equity | $2,803,000 | 7,119 |
| Average total loans | $15,700,750 | 6,934 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 3,662 |
| Cost of funding earning assets | 1.2020% | 2,571 |
| Net interest margin | 3.6897% | 4,311 |
| Noninterest income to average assets | 0.4538% | 4,258 |
| Noninterest expense to average assets | 2.8925% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0348% | 2,089 |
| Return on assets (ROA) | 1.0348% | 2,185 |
| Pretax return on assets | 1.0348% | 3,100 |
| Return on Equity (ROE) | 12.7549% | 1,260 |
| Retained earnings to average equity (ytd only) | 12.7549% | 414 |
| Net charge-offs to loans | 0.0495% | 5,162 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 42.7500% | 712 |
| Efficiency ratio | 73.6518% | 3,427 |
| Assets per employee ($millions) | 3.1440% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 3,077 |
| Loan loss allowance to noncurrent loans | 104.6154% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7518% | 5,402 |
| Noncurrent loans to loans | 1.6966% | 3,890 |
| Net loans and leases to total assets | 43.5259% | 6,474 |
| Net loans and leases to deposits | 48.0282% | 6,723 |
| Net loans and leases to core deposits | 48.5064% | 6,833 |
| Total domestic deposits to total assets | 90.6257% | 666 |
| Equity capital to assets | 8.4143% | 6,287 |
| Core capital (leverage) ratio | 7.1458% | 6,942 |
| Tier 1 risk-based capital ratio | 13.1801% | 4,778 |
| Total risk-based capital ratio | 14.4356% | 4,757 |
| Memoranda: | ||
| Average total assets | $33,051,000 | 7,016 |
| Average earning assets | $31,114,000 | 6,963 |
| Average equity | $2,681,330 | 7,208 |
| Average total loans | $16,175,670 | 6,973 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 3,591 |
| Cost of funding earning assets | 1.2087% | 2,763 |
| Net interest margin | 3.6919% | 4,148 |
| Noninterest income to average assets | 0.5080% | 3,821 |
| Noninterest expense to average assets | 2.9488% | 3,858 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0407% | 2,032 |
| Return on assets (ROA) | 1.0407% | 2,087 |
| Pretax return on assets | 1.0407% | 2,984 |
| Return on Equity (ROE) | 13.0892% | 1,170 |
| Retained earnings to average equity (ytd only) | 13.0892% | 573 |
| Net charge-offs to loans | 0.0964% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,094 |
| Efficiency ratio | 73.9130% | 3,526 |
| Assets per employee ($millions) | 3.0222% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 3,440 |
| Loan loss allowance to noncurrent loans | 104.2146% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 5,339 |
| Noncurrent loans to loans | 1.6043% | 4,076 |
| Net loans and leases to total assets | 48.1200% | 6,062 |
| Net loans and leases to deposits | 52.9071% | 6,400 |
| Net loans and leases to core deposits | 53.4516% | 6,591 |
| Total domestic deposits to total assets | 90.9518% | 651 |
| Equity capital to assets | 8.0436% | 6,458 |
| Core capital (leverage) ratio | 7.1707% | 6,931 |
| Tier 1 risk-based capital ratio | 13.1612% | 4,700 |
| Total risk-based capital ratio | 14.4159% | 4,673 |
| Memoranda: | ||
| Average total assets | $32,284,500 | 7,090 |
| Average earning assets | $30,445,000 | 7,036 |
| Average equity | $2,567,000 | 7,278 |
| Average total loans | $16,601,000 | 7,008 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5411% | 2,122 |
| Cost of funding earning assets | 1.4554% | 2,924 |
| Net interest margin | 4.0857% | 2,637 |
| Noninterest income to average assets | 0.5373% | 3,906 |
| Noninterest expense to average assets | 3.0077% | 3,823 |
| Loan and lease loss provision to assets | 0.0819% | 6,329 |
| Net operating income to assets | 1.2647% | 1,258 |
| Return on assets (ROA) | 1.2647% | 1,324 |
| Pretax return on assets | 1.2647% | 2,031 |
| Return on Equity (ROE) | 14.8279% | 741 |
| Retained earnings to average equity (ytd only) | 5.6085% | 2,052 |
| Net charge-offs to loans | -0.0178% | 7,357 |
| Credit loss provision to net charge-offs | -833.3333% | 7,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0745% | 4,362 |
| Assets per employee ($millions) | 2.8477% | 6,444 |
| Cash dividends to net income (ytd only)* | 62.1762% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6300% | 3,463 |
| Loan loss allowance to noncurrent loans | 45.6954% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 1.9282% | 3,441 |
| Noncurrent loans to loans | 3.5670% | 2,111 |
| Net loans and leases to total assets | 53.1748% | 5,755 |
| Net loans and leases to deposits | 58.3883% | 6,219 |
| Net loans and leases to core deposits | 59.5552% | 6,429 |
| Total domestic deposits to total assets | 91.0710% | 572 |
| Equity capital to assets | 7.8532% | 6,635 |
| Core capital (leverage) ratio | 7.0565% | 6,998 |
| Tier 1 risk-based capital ratio | 12.8228% | 4,756 |
| Total risk-based capital ratio | 14.0744% | 4,719 |
| Memoranda: | ||
| Average total assets | $30,521,600 | 7,191 |
| Average earning assets | $28,514,400 | 7,145 |
| Average equity | $2,603,200 | 7,373 |
| Average total loans | $16,836,400 | 7,079 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5966% | 2,074 |
| Cost of funding earning assets | 1.4852% | 3,063 |
| Net interest margin | 4.1114% | 2,576 |
| Noninterest income to average assets | 0.5541% | 3,763 |
| Noninterest expense to average assets | 2.9198% | 4,010 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4687% | 980 |
| Return on assets (ROA) | 1.4687% | 1,056 |
| Pretax return on assets | 1.4687% | 1,694 |
| Return on Equity (ROE) | 16.8746% | 599 |
| Retained earnings to average equity (ytd only) | 15.6116% | 185 |
| Net charge-offs to loans | -0.0317% | 7,413 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5331% | 4,743 |
| Assets per employee ($millions) | 2.8045% | 6,576 |
| Cash dividends to net income (ytd only)* | 7.4845% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 3,885 |
| Loan loss allowance to noncurrent loans | 71.7949% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.1378% | 4,845 |
| Noncurrent loans to loans | 2.1125% | 3,556 |
| Net loans and leases to total assets | 53.0405% | 5,980 |
| Net loans and leases to deposits | 59.2133% | 6,372 |
| Net loans and leases to core deposits | 59.8785% | 6,614 |
| Total domestic deposits to total assets | 89.5754% | 1,080 |
| Equity capital to assets | 9.2447% | 5,233 |
| Core capital (leverage) ratio | 7.8713% | 6,495 |
| Tier 1 risk-based capital ratio | 13.7637% | 4,012 |
| Total risk-based capital ratio | 15.0159% | 3,966 |
| Memoranda: | ||
| Average total assets | $30,320,750 | 7,282 |
| Average earning assets | $28,278,250 | 7,235 |
| Average equity | $2,639,000 | 7,459 |
| Average total loans | $16,812,250 | 7,179 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7106% | 1,723 |
| Cost of funding earning assets | 1.5185% | 3,144 |
| Net interest margin | 4.1920% | 2,179 |
| Noninterest income to average assets | 0.6038% | 3,314 |
| Noninterest expense to average assets | 2.8927% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6122% | 714 |
| Return on assets (ROA) | 1.6122% | 765 |
| Pretax return on assets | 1.6122% | 1,273 |
| Return on Equity (ROE) | 18.9252% | 389 |
| Retained earnings to average equity (ytd only) | 16.9782% | 155 |
| Net charge-offs to loans | -0.4384% | 7,722 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2121% | 5,295 |
| Assets per employee ($millions) | 2.7757% | 6,624 |
| Cash dividends to net income (ytd only)* | 10.2881% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 2,814 |
| Loan loss allowance to noncurrent loans | 68.0191% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.3723% | 4,429 |
| Noncurrent loans to loans | 2.6039% | 3,032 |
| Net loans and leases to total assets | 51.7669% | 6,239 |
| Net loans and leases to deposits | 57.5727% | 6,607 |
| Net loans and leases to core deposits | 58.2216% | 6,816 |
| Total domestic deposits to total assets | 89.9158% | 956 |
| Equity capital to assets | 8.9117% | 5,587 |
| Core capital (leverage) ratio | 7.6198% | 6,709 |
| Tier 1 risk-based capital ratio | 13.5196% | 4,052 |
| Total risk-based capital ratio | 14.7746% | 4,013 |
| Memoranda: | ||
| Average total assets | $30,144,330 | 7,342 |
| Average earning assets | $28,053,330 | 7,291 |
| Average equity | $2,568,000 | 7,530 |
| Average total loans | $16,878,000 | 7,226 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8013% | 1,451 |
| Cost of funding earning assets | 1.5365% | 3,349 |
| Net interest margin | 4.2648% | 1,805 |
| Noninterest income to average assets | 0.6411% | 2,988 |
| Noninterest expense to average assets | 2.9382% | 3,921 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6694% | 657 |
| Return on assets (ROA) | 1.6694% | 707 |
| Pretax return on assets | 1.6694% | 1,118 |
| Return on Equity (ROE) | 20.0682% | 380 |
| Retained earnings to average equity (ytd only) | 19.1050% | 209 |
| Net charge-offs to loans | -0.2548% | 7,716 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7681% | 5,538 |
| Assets per employee ($millions) | 2.7661% | 6,722 |
| Cash dividends to net income (ytd only)* | 4.8000% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 3,803 |
| Loan loss allowance to noncurrent loans | 29.6678% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 2.8692% | 2,513 |
| Noncurrent loans to loans | 5.1293% | 1,402 |
| Net loans and leases to total assets | 55.0859% | 5,875 |
| Net loans and leases to deposits | 60.9890% | 6,362 |
| Net loans and leases to core deposits | 61.6735% | 6,622 |
| Total domestic deposits to total assets | 90.3211% | 819 |
| Equity capital to assets | 8.4793% | 6,031 |
| Core capital (leverage) ratio | 7.5003% | 6,852 |
| Tier 1 risk-based capital ratio | 12.5507% | 4,696 |
| Total risk-based capital ratio | 13.8007% | 4,661 |
| Memoranda: | ||
| Average total assets | $29,950,000 | 7,444 |
| Average earning assets | $27,856,000 | 7,397 |
| Average equity | $2,491,500 | 7,635 |
| Average total loans | $17,271,500 | 7,297 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2024% | 1,239 |
| Cost of funding earning assets | 1.9167% | 3,373 |
| Net interest margin | 4.2857% | 1,761 |
| Noninterest income to average assets | 0.6102% | 3,552 |
| Noninterest expense to average assets | 3.2047% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3954% | 859 |
| Return on assets (ROA) | 1.5024% | 719 |
| Pretax return on assets | 1.5024% | 1,182 |
| Return on Equity (ROE) | 17.7832% | 386 |
| Retained earnings to average equity (ytd only) | 6.9274% | 988 |
| Net charge-offs to loans | 0.0705% | 6,414 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 32.5833% | 712 |
| Efficiency ratio | 69.6664% | 4,701 |
| Assets per employee ($millions) | 2.6794% | 6,894 |
| Cash dividends to net income (ytd only)* | 61.0451% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 4,149 |
| Loan loss allowance to noncurrent loans | 47.3282% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 1.7779% | 3,706 |
| Noncurrent loans to loans | 2.9904% | 2,571 |
| Net loans and leases to total assets | 58.6130% | 5,552 |
| Net loans and leases to deposits | 64.6955% | 6,189 |
| Net loans and leases to core deposits | 82.4937% | 5,876 |
| Total domestic deposits to total assets | 90.5982% | 698 |
| Equity capital to assets | 8.1532% | 6,401 |
| Core capital (leverage) ratio | 7.1199% | 7,139 |
| Tier 1 risk-based capital ratio | 11.7683% | 5,138 |
| Total risk-based capital ratio | 13.0182% | 5,102 |
| Memoranda: | ||
| Average total assets | $28,021,400 | 7,548 |
| Average earning assets | $26,086,800 | 7,501 |
| Average equity | $2,367,400 | 7,757 |
| Average total loans | $17,025,200 | 7,350 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2687% | 1,203 |
| Cost of funding earning assets | 2.0101% | 3,305 |
| Net interest margin | 4.2586% | 1,847 |
| Noninterest income to average assets | 0.6508% | 3,345 |
| Noninterest expense to average assets | 3.1430% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4703% | 875 |
| Return on assets (ROA) | 1.5522% | 785 |
| Pretax return on assets | 1.5522% | 1,274 |
| Return on Equity (ROE) | 18.2031% | 434 |
| Retained earnings to average equity (ytd only) | 15.0939% | 160 |
| Net charge-offs to loans | 0.0631% | 6,069 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 38.1125% | 778 |
| Efficiency ratio | 68.1296% | 4,945 |
| Assets per employee ($millions) | 2.6905% | 6,875 |
| Cash dividends to net income (ytd only)* | 17.0805% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 3,298 |
| Loan loss allowance to noncurrent loans | 58.3333% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.4597% | 4,191 |
| Noncurrent loans to loans | 2.6172% | 2,888 |
| Net loans and leases to total assets | 54.9214% | 6,278 |
| Net loans and leases to deposits | 60.9860% | 6,750 |
| Net loans and leases to core deposits | 79.6687% | 6,383 |
| Total domestic deposits to total assets | 90.0558% | 751 |
| Equity capital to assets | 8.5656% | 6,157 |
| Core capital (leverage) ratio | 7.5536% | 6,913 |
| Tier 1 risk-based capital ratio | 12.8650% | 4,285 |
| Total risk-based capital ratio | 14.1154% | 4,225 |
| Memoranda: | ||
| Average total assets | $27,658,500 | 7,625 |
| Average earning assets | $25,735,500 | 7,579 |
| Average equity | $2,358,500 | 7,833 |
| Average total loans | $16,900,750 | 7,425 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4075% | 993 |
| Cost of funding earning assets | 2.0613% | 3,470 |
| Net interest margin | 4.3462% | 1,536 |
| Noninterest income to average assets | 0.6663% | 3,217 |
| Noninterest expense to average assets | 3.1170% | 3,635 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5770% | 718 |
| Return on assets (ROA) | 1.7029% | 612 |
| Pretax return on assets | 1.7029% | 1,008 |
| Return on Equity (ROE) | 20.0029% | 340 |
| Retained earnings to average equity (ytd only) | 19.5680% | 79 |
| Net charge-offs to loans | 0.0470% | 5,817 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 53.2500% | 660 |
| Efficiency ratio | 66.4038% | 5,476 |
| Assets per employee ($millions) | 2.6378% | 6,981 |
| Cash dividends to net income (ytd only)* | 2.1739% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 3,048 |
| Loan loss allowance to noncurrent loans | 85.9060% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 4,916 |
| Noncurrent loans to loans | 1.7781% | 3,833 |
| Net loans and leases to total assets | 56.8755% | 6,102 |
| Net loans and leases to deposits | 62.8327% | 6,669 |
| Net loans and leases to core deposits | 81.2876% | 6,301 |
| Total domestic deposits to total assets | 90.5190% | 621 |
| Equity capital to assets | 8.0852% | 6,648 |
| Core capital (leverage) ratio | 7.8117% | 6,599 |
| Tier 1 risk-based capital ratio | 12.6119% | 4,432 |
| Total risk-based capital ratio | 13.8673% | 4,346 |
| Memoranda: | ||
| Average total assets | $27,013,000 | 7,724 |
| Average earning assets | $25,033,330 | 7,679 |
| Average equity | $2,299,670 | 7,927 |
| Average total loans | $17,032,330 | 7,485 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6107% | 695 |
| Cost of funding earning assets | 2.1314% | 3,509 |
| Net interest margin | 4.4793% | 1,177 |
| Noninterest income to average assets | 0.7689% | 2,490 |
| Noninterest expense to average assets | 3.2293% | 2,861 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6762% | 679 |
| Return on assets (ROA) | 1.6762% | 747 |
| Pretax return on assets | 1.6762% | 1,225 |
| Return on Equity (ROE) | 19.1522% | 490 |
| Retained earnings to average equity (ytd only) | 18.2737% | 223 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8307% | 5,356 |
| Assets per employee ($millions) | 2.4065% | 7,449 |
| Cash dividends to net income (ytd only)* | 4.5872% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 2,837 |
| Loan loss allowance to noncurrent loans | 74.7126% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.3146% | 4,041 |
| Noncurrent loans to loans | 2.0415% | 3,211 |
| Net loans and leases to total assets | 63.4128% | 5,088 |
| Net loans and leases to deposits | 70.7077% | 5,902 |
| Net loans and leases to core deposits | 89.7359% | 5,578 |
| Total domestic deposits to total assets | 89.6830% | 942 |
| Equity capital to assets | 8.8059% | 5,613 |
| Core capital (leverage) ratio | 7.8275% | 6,713 |
| Tier 1 risk-based capital ratio | 12.1552% | 4,823 |
| Total risk-based capital ratio | 13.4069% | 4,715 |
| Memoranda: | ||
| Average total assets | $26,011,500 | 7,800 |
| Average earning assets | $24,021,500 | 7,765 |
| Average equity | $2,276,500 | 7,982 |
| Average total loans | $17,169,000 | 7,524 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9447% | 1,267 |
| Cost of funding earning assets | 2.4984% | 4,215 |
| Net interest margin | 4.4463% | 1,547 |
| Noninterest income to average assets | 0.6225% | 3,694 |
| Noninterest expense to average assets | 3.2643% | 3,093 |
| Loan and lease loss provision to assets | 0.1556% | 5,370 |
| Net operating income to assets | 1.2878% | 1,515 |
| Return on assets (ROA) | 1.3345% | 1,342 |
| Pretax return on assets | 1.3345% | 2,188 |
| Return on Equity (ROE) | 16.9584% | 642 |
| Retained earnings to average equity (ytd only) | 6.2790% | 1,397 |
| Net charge-offs to loans | -0.0997% | 8,093 |
| Credit loss provision to net charge-offs | -235.2941% | 7,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3388% | 4,470 |
| Assets per employee ($millions) | 2.3229% | 7,527 |
| Cash dividends to net income (ytd only)* | 62.9738% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 2,668 |
| Loan loss allowance to noncurrent loans | 60.1852% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 1.6907% | 2,873 |
| Noncurrent loans to loans | 2.4983% | 2,181 |
| Net loans and leases to total assets | 66.6562% | 4,716 |
| Net loans and leases to deposits | 76.5518% | 5,523 |
| Net loans and leases to core deposits | 93.3107% | 5,519 |
| Total domestic deposits to total assets | 87.0734% | 1,903 |
| Equity capital to assets | 8.6960% | 5,816 |
| Core capital (leverage) ratio | 7.6884% | 6,956 |
| Tier 1 risk-based capital ratio | 11.2957% | 5,447 |
| Total risk-based capital ratio | 12.5501% | 5,338 |
| Memoranda: | ||
| Average total assets | $25,702,200 | 7,815 |
| Average earning assets | $23,615,000 | 7,797 |
| Average equity | $2,022,600 | 8,115 |
| Average total loans | $17,046,400 | 7,523 |