Home > Bank of Winona > Performance and Condition Ratios
Bank of Winona, 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 | 4.3380% | 3,378 |
| Cost of funding earning assets | 0.9120% | 3,491 |
| Net interest margin | 3.4260% | 2,350 |
| Noninterest income to average assets | 2.3500% | 231 |
| Noninterest expense to average assets | 2.8279% | 1,438 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.6277% | 218 |
| Return on assets (ROA) | 2.1779% | 345 |
| Pretax return on assets | 2.1779% | 507 |
| Return on Equity (ROE) | 25.1500% | 309 |
| Retained earnings to average equity (ytd only) | 20.2561% | 128 |
| Net charge-offs to loans | 0.0429% | 1,466 |
| Credit loss provision to net charge-offs | 357.1429% | 840 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 609 |
| Efficiency ratio | 51.3782% | 3,881 |
| Assets per employee ($millions) | 8.8390% | 1,039 |
| Cash dividends to net income (ytd only)* | 19.4737% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 1,064 |
| Loan loss allowance to noncurrent loans | 258.9041% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 2,253 |
| Noncurrent loans to loans | 0.5776% | 1,355 |
| Net loans and leases to total assets | 33.1400% | 4,229 |
| Net loans and leases to deposits | 38.5837% | 4,231 |
| Net loans and leases to core deposits | 39.8920% | 4,286 |
| Total domestic deposits to total assets | 85.9000% | 2,053 |
| Equity capital to assets | 10.2707% | 1,859 |
| Core capital (leverage) ratio | 12.2530% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6472% | 248 |
| Memoranda: | ||
| Average total assets | $148,305,800 | 3,381 |
| Average earning assets | $136,513,600 | 3,377 |
| Average equity | $12,840,600 | 3,447 |
| Average total loans | $48,922,200 | 3,857 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 3,335 |
| Cost of funding earning assets | 0.8403% | 3,426 |
| Net interest margin | 3.4347% | 2,382 |
| Noninterest income to average assets | 2.6700% | 219 |
| Noninterest expense to average assets | 2.5112% | 2,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.3193% | 146 |
| Return on assets (ROA) | 2.9793% | 184 |
| Pretax return on assets | 2.9793% | 243 |
| Return on Equity (ROE) | 36.0600% | 151 |
| Retained earnings to average equity (ytd only) | 32.6030% | 71 |
| Net charge-offs to loans | 0.0687% | 988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 147.2000% | 740 |
| Efficiency ratio | 43.0693% | 4,265 |
| Assets per employee ($millions) | 8.6251% | 1,069 |
| Cash dividends to net income (ytd only)* | 9.5973% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 1,750 |
| Loan loss allowance to noncurrent loans | 650.9615% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 3,135 |
| Noncurrent loans to loans | 0.2040% | 2,537 |
| Net loans and leases to total assets | 34.3100% | 4,238 |
| Net loans and leases to deposits | 38.9856% | 4,233 |
| Net loans and leases to core deposits | 40.1406% | 4,255 |
| Total domestic deposits to total assets | 88.0100% | 1,575 |
| Equity capital to assets | 8.1520% | 2,958 |
| Core capital (leverage) ratio | 12.3117% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6442% | 272 |
| Memoranda: | ||
| Average total assets | $147,816,500 | 3,396 |
| Average earning assets | $136,136,750 | 3,390 |
| Average equity | $12,211,250 | 3,511 |
| Average total loans | $48,513,750 | 3,869 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 3,496 |
| Cost of funding earning assets | 0.7632% | 3,321 |
| Net interest margin | 3.3356% | 2,671 |
| Noninterest income to average assets | 3.8700% | 149 |
| Noninterest expense to average assets | 2.5814% | 1,973 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 4.3640% | 86 |
| Return on assets (ROA) | 3.8566% | 105 |
| Pretax return on assets | 3.8566% | 118 |
| Return on Equity (ROE) | 46.4800% | 75 |
| Retained earnings to average equity (ytd only) | 42.0579% | 48 |
| Net charge-offs to loans | 0.1048% | 659 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 129.3600% | 811 |
| Efficiency ratio | 37.1673% | 4,444 |
| Assets per employee ($millions) | 8.9585% | 920 |
| Cash dividends to net income (ytd only)* | 9.5171% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 1,668 |
| Loan loss allowance to noncurrent loans | 245.2899% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 2,289 |
| Noncurrent loans to loans | 0.5549% | 1,349 |
| Net loans and leases to total assets | 32.2100% | 4,279 |
| Net loans and leases to deposits | 36.9472% | 4,280 |
| Net loans and leases to core deposits | 38.0907% | 4,290 |
| Total domestic deposits to total assets | 87.1900% | 1,873 |
| Equity capital to assets | 9.1954% | 2,378 |
| Core capital (leverage) ratio | 11.9203% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9952% | 296 |
| Memoranda: | ||
| Average total assets | $148,213,333 | 3,393 |
| Average earning assets | $136,526,333 | 3,398 |
| Average equity | $12,297,333 | 3,509 |
| Average total loans | $47,689,667 | 3,888 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4859% | 3,117 |
| Cost of funding earning assets | 0.4150% | 1,977 |
| Net interest margin | 3.0709% | 3,257 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.5474% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6835% | 3,662 |
| Return on assets (ROA) | 0.6842% | 3,613 |
| Pretax return on assets | 0.6842% | 3,879 |
| Return on Equity (ROE) | 7.5700% | 3,496 |
| Retained earnings to average equity (ytd only) | 3.7355% | 3,485 |
| Net charge-offs to loans | -0.0022% | 3,462 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.8462% | 797 |
| Assets per employee ($millions) | 8.4879% | 1,096 |
| Cash dividends to net income (ytd only)* | 50.6708% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 1,058 |
| Loan loss allowance to noncurrent loans | 396.6102% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 2,672 |
| Noncurrent loans to loans | 0.3923% | 1,745 |
| Net loans and leases to total assets | 30.7800% | 4,372 |
| Net loans and leases to deposits | 34.6563% | 4,378 |
| Net loans and leases to core deposits | 35.7491% | 4,378 |
| Total domestic deposits to total assets | 88.8300% | 1,770 |
| Equity capital to assets | 7.5533% | 3,354 |
| Core capital (leverage) ratio | 11.0032% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2465% | 1,550 |
| Memoranda: | ||
| Average total assets | $141,633,000 | 3,520 |
| Average earning assets | $131,559,600 | 3,512 |
| Average equity | $12,796,200 | 3,590 |
| Average total loans | $45,873,000 | 3,963 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4350% | 2,818 |
| Cost of funding earning assets | 0.3715% | 1,513 |
| Net interest margin | 3.0635% | 3,041 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.1621% | 3,034 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1076% | 2,057 |
| Return on assets (ROA) | 1.1057% | 2,032 |
| Pretax return on assets | 1.1057% | 2,702 |
| Return on Equity (ROE) | 11.7500% | 2,121 |
| Retained earnings to average equity (ytd only) | 9.6050% | 1,457 |
| Net charge-offs to loans | -0.0029% | 3,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.1267% | 2,263 |
| Assets per employee ($millions) | 8.3195% | 1,161 |
| Cash dividends to net income (ytd only)* | 18.2207% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 1,261 |
| Loan loss allowance to noncurrent loans | 273.1518% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 2,384 |
| Noncurrent loans to loans | 0.5535% | 1,436 |
| Net loans and leases to total assets | 32.3300% | 4,358 |
| Net loans and leases to deposits | 36.0615% | 4,359 |
| Net loans and leases to core deposits | 37.4463% | 4,356 |
| Total domestic deposits to total assets | 89.6600% | 1,808 |
| Equity capital to assets | 6.6760% | 3,668 |
| Core capital (leverage) ratio | 11.3658% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4373% | 1,303 |
| Memoranda: | ||
| Average total assets | $140,967,750 | 3,549 |
| Average earning assets | $131,001,750 | 3,534 |
| Average equity | $13,270,500 | 3,587 |
| Average total loans | $46,060,750 | 3,986 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3666% | 2,525 |
| Cost of funding earning assets | 0.3635% | 1,166 |
| Net interest margin | 3.0030% | 2,860 |
| Noninterest income to average assets | 0.4914% | 2,251 |
| Noninterest expense to average assets | 2.0950% | 3,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1888% | 1,465 |
| Return on assets (ROA) | 1.1888% | 1,442 |
| Pretax return on assets | 1.1888% | 2,114 |
| Return on Equity (ROE) | 11.5078% | 1,832 |
| Retained earnings to average equity (ytd only) | 8.5793% | 1,406 |
| Net charge-offs to loans | -0.0044% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7976% | 2,796 |
| Assets per employee ($millions) | 8.0978% | 1,250 |
| Cash dividends to net income (ytd only)* | 25.4480% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 1,386 |
| Loan loss allowance to noncurrent loans | 709.0909% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 3,256 |
| Noncurrent loans to loans | 0.2125% | 2,654 |
| Net loans and leases to total assets | 33.3302% | 4,353 |
| Net loans and leases to deposits | 37.8710% | 4,341 |
| Net loans and leases to core deposits | 39.1968% | 4,343 |
| Total domestic deposits to total assets | 88.0098% | 2,572 |
| Equity capital to assets | 8.2761% | 2,925 |
| Core capital (leverage) ratio | 11.2061% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8093% | 1,480 |
| Memoranda: | ||
| Average total assets | $140,813,333 | 3,594 |
| Average earning assets | $130,934,667 | 3,585 |
| Average equity | $14,546,667 | 3,541 |
| Average total loans | $45,938,333 | 4,030 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2313% | 2,599 |
| Cost of funding earning assets | 0.3714% | 1,046 |
| Net interest margin | 2.8598% | 2,959 |
| Noninterest income to average assets | 0.2837% | 3,432 |
| Noninterest expense to average assets | 2.0985% | 3,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8456% | 2,498 |
| Return on assets (ROA) | 0.8456% | 2,490 |
| Pretax return on assets | 0.8456% | 2,957 |
| Return on Equity (ROE) | 7.4674% | 2,881 |
| Retained earnings to average equity (ytd only) | 4.2919% | 2,840 |
| Net charge-offs to loans | 0.0088% | 1,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 301.0000% | 319 |
| Efficiency ratio | 71.2786% | 2,072 |
| Assets per employee ($millions) | 8.2381% | 1,234 |
| Cash dividends to net income (ytd only)* | 42.5249% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 1,472 |
| Loan loss allowance to noncurrent loans | 630.6306% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 3,280 |
| Noncurrent loans to loans | 0.2421% | 2,628 |
| Net loans and leases to total assets | 32.2420% | 4,368 |
| Net loans and leases to deposits | 37.4086% | 4,339 |
| Net loans and leases to core deposits | 38.7206% | 4,349 |
| Total domestic deposits to total assets | 86.1889% | 3,197 |
| Equity capital to assets | 10.2351% | 1,732 |
| Core capital (leverage) ratio | 10.5411% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1366% | 1,474 |
| Memoranda: | ||
| Average total assets | $142,389,000 | 3,594 |
| Average earning assets | $132,456,000 | 3,589 |
| Average equity | $16,123,500 | 3,461 |
| Average total loans | $45,615,000 | 4,045 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5032% | 2,650 |
| Cost of funding earning assets | 0.3947% | 1,581 |
| Net interest margin | 3.1085% | 2,878 |
| Noninterest income to average assets | 1.5887% | 446 |
| Noninterest expense to average assets | 2.5812% | 1,917 |
| Loan and lease loss provision to assets | 0.1426% | 839 |
| Net operating income to assets | 1.7512% | 570 |
| Return on assets (ROA) | 1.7512% | 591 |
| Pretax return on assets | 1.7512% | 1,020 |
| Return on Equity (ROE) | 13.9890% | 1,193 |
| Retained earnings to average equity (ytd only) | 9.9848% | 922 |
| Net charge-offs to loans | -0.0102% | 3,746 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6801% | 3,493 |
| Assets per employee ($millions) | 8.5136% | 1,081 |
| Cash dividends to net income (ytd only)* | 28.6238% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 1,410 |
| Loan loss allowance to noncurrent loans | 242.5606% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 2,565 |
| Noncurrent loans to loans | 0.6369% | 1,564 |
| Net loans and leases to total assets | 30.8676% | 4,489 |
| Net loans and leases to deposits | 36.6949% | 4,453 |
| Net loans and leases to core deposits | 37.9715% | 4,460 |
| Total domestic deposits to total assets | 84.1195% | 3,529 |
| Equity capital to assets | 12.3768% | 1,098 |
| Core capital (leverage) ratio | 10.4081% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0451% | 1,493 |
| Memoranda: | ||
| Average total assets | $140,244,800 | 3,580 |
| Average earning assets | $130,225,200 | 3,569 |
| Average equity | $17,556,600 | 3,422 |
| Average total loans | $48,999,400 | 4,020 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 2,508 |
| Cost of funding earning assets | 0.4112% | 1,615 |
| Net interest margin | 3.2045% | 2,715 |
| Noninterest income to average assets | 2.0643% | 329 |
| Noninterest expense to average assets | 2.1582% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.8789% | 142 |
| Return on assets (ROA) | 2.8789% | 141 |
| Pretax return on assets | 2.8789% | 205 |
| Return on Equity (ROE) | 22.9296% | 252 |
| Retained earnings to average equity (ytd only) | 19.6780% | 143 |
| Net charge-offs to loans | -0.0107% | 3,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8463% | 4,630 |
| Assets per employee ($millions) | 8.3421% | 1,114 |
| Cash dividends to net income (ytd only)* | 14.1811% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 3,731 |
| Loan loss allowance to noncurrent loans | 166.1130% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 2,718 |
| Noncurrent loans to loans | 0.6222% | 1,755 |
| Net loans and leases to total assets | 33.7602% | 4,478 |
| Net loans and leases to deposits | 40.6195% | 4,430 |
| Net loans and leases to core deposits | 41.8941% | 4,450 |
| Total domestic deposits to total assets | 83.1132% | 3,675 |
| Equity capital to assets | 13.4041% | 878 |
| Core capital (leverage) ratio | 11.0910% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2401% | 1,555 |
| Memoranda: | ||
| Average total assets | $139,123,250 | 3,634 |
| Average earning assets | $129,065,000 | 3,623 |
| Average equity | $17,467,500 | 3,473 |
| Average total loans | $49,905,250 | 4,057 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 2,226 |
| Cost of funding earning assets | 0.4326% | 1,641 |
| Net interest margin | 3.3095% | 2,415 |
| Noninterest income to average assets | 0.3473% | 3,371 |
| Noninterest expense to average assets | 2.0995% | 3,394 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3138% | 1,823 |
| Return on assets (ROA) | 1.3138% | 1,892 |
| Pretax return on assets | 1.3138% | 2,591 |
| Return on Equity (ROE) | 10.7115% | 2,525 |
| Retained earnings to average equity (ytd only) | 10.2515% | 1,327 |
| Net charge-offs to loans | -0.0040% | 3,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5091% | 2,799 |
| Assets per employee ($millions) | 7.7483% | 1,329 |
| Cash dividends to net income (ytd only)* | 4.2952% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,819 |
| Loan loss allowance to noncurrent loans | 187.9245% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 3,006 |
| Noncurrent loans to loans | 0.5329% | 2,074 |
| Net loans and leases to total assets | 35.2986% | 4,481 |
| Net loans and leases to deposits | 41.9795% | 4,459 |
| Net loans and leases to core deposits | 43.3765% | 4,484 |
| Total domestic deposits to total assets | 84.0855% | 3,408 |
| Equity capital to assets | 12.4385% | 1,162 |
| Core capital (leverage) ratio | 10.1152% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2619% | 1,883 |
| Memoranda: | ||
| Average total assets | $138,226,000 | 3,652 |
| Average earning assets | $128,055,000 | 3,648 |
| Average equity | $16,953,667 | 3,517 |
| Average total loans | $50,414,667 | 4,076 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 2,865 |
| Cost of funding earning assets | 0.4339% | 1,836 |
| Net interest margin | 3.0844% | 3,041 |
| Noninterest income to average assets | 0.4215% | 2,980 |
| Noninterest expense to average assets | 2.1133% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1599% | 2,298 |
| Return on assets (ROA) | 1.1599% | 2,366 |
| Pretax return on assets | 1.1599% | 2,951 |
| Return on Equity (ROE) | 9.5247% | 2,846 |
| Retained earnings to average equity (ytd only) | 9.5247% | 1,794 |
| Net charge-offs to loans | -0.0552% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5648% | 2,402 |
| Assets per employee ($millions) | 7.7471% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 3,866 |
| Loan loss allowance to noncurrent loans | 151.0511% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 2,742 |
| Noncurrent loans to loans | 0.6573% | 1,927 |
| Net loans and leases to total assets | 35.9707% | 4,504 |
| Net loans and leases to deposits | 42.4211% | 4,475 |
| Net loans and leases to core deposits | 43.8174% | 4,504 |
| Total domestic deposits to total assets | 84.7942% | 3,187 |
| Equity capital to assets | 11.8066% | 1,386 |
| Core capital (leverage) ratio | 9.7756% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1056% | 2,253 |
| Memoranda: | ||
| Average total assets | $137,604,000 | 3,667 |
| Average earning assets | $127,220,000 | 3,654 |
| Average equity | $16,756,500 | 3,534 |
| Average total loans | $50,757,500 | 4,082 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 2,753 |
| Cost of funding earning assets | 0.6017% | 2,293 |
| Net interest margin | 3.3906% | 2,811 |
| Noninterest income to average assets | 0.4129% | 3,034 |
| Noninterest expense to average assets | 2.6670% | 2,336 |
| Loan and lease loss provision to assets | 0.0773% | 3,411 |
| Net operating income to assets | 0.7841% | 3,154 |
| Return on assets (ROA) | 0.7887% | 3,257 |
| Pretax return on assets | 0.7887% | 3,652 |
| Return on Equity (ROE) | 6.5224% | 3,398 |
| Retained earnings to average equity (ytd only) | 2.1613% | 3,759 |
| Net charge-offs to loans | 0.2795% | 611 |
| Credit loss provision to net charge-offs | 69.4444% | 3,047 |
| Earnings coverage of net charge-offs (x) | 7.7361% | 2,668 |
| Efficiency ratio | 75.5862% | 1,283 |
| Assets per employee ($millions) | 7.5423% | 1,252 |
| Cash dividends to net income (ytd only)* | 66.8627% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 3,950 |
| Loan loss allowance to noncurrent loans | 83.5294% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 2,114 |
| Noncurrent loans to loans | 1.1701% | 1,214 |
| Net loans and leases to total assets | 37.0909% | 4,558 |
| Net loans and leases to deposits | 44.2884% | 4,522 |
| Net loans and leases to core deposits | 45.8027% | 4,546 |
| Total domestic deposits to total assets | 83.7486% | 3,188 |
| Equity capital to assets | 12.5581% | 1,291 |
| Core capital (leverage) ratio | 9.8204% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6566% | 1,985 |
| Memoranda: | ||
| Average total assets | $129,319,200 | 3,635 |
| Average earning assets | $118,830,000 | 3,631 |
| Average equity | $15,638,400 | 3,592 |
| Average total loans | $51,516,600 | 4,083 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1107% | 2,648 |
| Cost of funding earning assets | 0.6499% | 2,322 |
| Net interest margin | 3.4608% | 2,717 |
| Noninterest income to average assets | 0.4907% | 2,648 |
| Noninterest expense to average assets | 2.3918% | 3,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2789% | 1,401 |
| Return on assets (ROA) | 1.2831% | 1,499 |
| Pretax return on assets | 1.2831% | 2,120 |
| Return on Equity (ROE) | 10.7200% | 1,774 |
| Retained earnings to average equity (ytd only) | 9.0452% | 967 |
| Net charge-offs to loans | 0.2502% | 612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 12.6289% | 2,243 |
| Efficiency ratio | 65.1593% | 2,569 |
| Assets per employee ($millions) | 7.4427% | 1,248 |
| Cash dividends to net income (ytd only)* | 15.6225% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 4,213 |
| Loan loss allowance to noncurrent loans | 89.1566% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 2,466 |
| Noncurrent loans to loans | 0.9590% | 1,572 |
| Net loans and leases to total assets | 38.4320% | 4,608 |
| Net loans and leases to deposits | 46.1974% | 4,599 |
| Net loans and leases to core deposits | 47.8046% | 4,631 |
| Total domestic deposits to total assets | 83.1909% | 3,094 |
| Equity capital to assets | 13.0538% | 1,157 |
| Core capital (leverage) ratio | 10.4051% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6146% | 1,959 |
| Memoranda: | ||
| Average total assets | $127,708,750 | 3,645 |
| Average earning assets | $117,348,000 | 3,644 |
| Average equity | $15,285,750 | 3,630 |
| Average total loans | $51,682,750 | 4,100 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3082% | 2,453 |
| Cost of funding earning assets | 0.7059% | 2,347 |
| Net interest margin | 3.6024% | 2,476 |
| Noninterest income to average assets | 0.2866% | 3,744 |
| Noninterest expense to average assets | 2.4216% | 3,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1638% | 1,748 |
| Return on assets (ROA) | 1.1702% | 1,859 |
| Pretax return on assets | 1.1702% | 2,464 |
| Return on Equity (ROE) | 10.1019% | 1,950 |
| Retained earnings to average equity (ytd only) | 7.8479% | 1,353 |
| Net charge-offs to loans | 0.3101% | 519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.1375% | 2,243 |
| Efficiency ratio | 67.5400% | 2,300 |
| Assets per employee ($millions) | 7.4108% | 1,219 |
| Cash dividends to net income (ytd only)* | 22.3129% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 3,979 |
| Loan loss allowance to noncurrent loans | 72.4843% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 1,834 |
| Noncurrent loans to loans | 1.2499% | 1,249 |
| Net loans and leases to total assets | 37.7990% | 4,677 |
| Net loans and leases to deposits | 44.9566% | 4,680 |
| Net loans and leases to core deposits | 46.5058% | 4,702 |
| Total domestic deposits to total assets | 84.0789% | 2,725 |
| Equity capital to assets | 12.3978% | 1,426 |
| Core capital (leverage) ratio | 10.2750% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1470% | 1,745 |
| Memoranda: | ||
| Average total assets | $125,622,000 | 3,652 |
| Average earning assets | $115,035,333 | 3,663 |
| Average equity | $14,551,667 | 3,699 |
| Average total loans | $51,600,000 | 4,109 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3007% | 2,919 |
| Cost of funding earning assets | 0.8032% | 2,377 |
| Net interest margin | 3.4974% | 2,996 |
| Noninterest income to average assets | 0.3450% | 3,455 |
| Noninterest expense to average assets | 2.5432% | 3,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9923% | 2,199 |
| Return on assets (ROA) | 0.9956% | 2,292 |
| Pretax return on assets | 0.9956% | 2,855 |
| Return on Equity (ROE) | 8.9390% | 2,139 |
| Retained earnings to average equity (ytd only) | 6.7854% | 1,617 |
| Net charge-offs to loans | -0.0077% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9331% | 2,084 |
| Assets per employee ($millions) | 6.6963% | 1,229 |
| Cash dividends to net income (ytd only)* | 24.0924% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 3,404 |
| Loan loss allowance to noncurrent loans | 66.8311% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.8877% | 1,512 |
| Noncurrent loans to loans | 1.5866% | 990 |
| Net loans and leases to total assets | 41.9595% | 4,594 |
| Net loans and leases to deposits | 50.7094% | 4,572 |
| Net loans and leases to core deposits | 52.6763% | 4,612 |
| Total domestic deposits to total assets | 82.7450% | 3,194 |
| Equity capital to assets | 10.3573% | 3,465 |
| Core capital (leverage) ratio | 10.7298% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8729% | 1,379 |
| Memoranda: | ||
| Average total assets | $121,735,500 | 3,682 |
| Average earning assets | $111,052,500 | 3,703 |
| Average equity | $13,558,500 | 3,828 |
| Average total loans | $51,958,500 | 4,113 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 3,377 |
| Cost of funding earning assets | 0.7561% | 2,885 |
| Net interest margin | 3.5995% | 3,136 |
| Noninterest income to average assets | 0.5062% | 2,698 |
| Noninterest expense to average assets | 2.9541% | 2,137 |
| Loan and lease loss provision to assets | 0.1143% | 1,845 |
| Net operating income to assets | 0.7381% | 3,739 |
| Return on assets (ROA) | 0.7414% | 3,802 |
| Pretax return on assets | 0.7414% | 4,107 |
| Return on Equity (ROE) | 6.4165% | 3,772 |
| Retained earnings to average equity (ytd only) | 1.6041% | 4,163 |
| Net charge-offs to loans | 0.2397% | 853 |
| Credit loss provision to net charge-offs | 112.9032% | 2,224 |
| Earnings coverage of net charge-offs (x) | 8.4194% | 2,776 |
| Efficiency ratio | 77.6062% | 1,193 |
| Assets per employee ($millions) | 6.4704% | 1,304 |
| Cash dividends to net income (ytd only)* | 75.0000% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 3,347 |
| Loan loss allowance to noncurrent loans | 92.1635% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 1,650 |
| Noncurrent loans to loans | 1.1117% | 1,358 |
| Net loans and leases to total assets | 42.5084% | 4,660 |
| Net loans and leases to deposits | 50.3769% | 4,673 |
| Net loans and leases to core deposits | 52.2470% | 4,699 |
| Total domestic deposits to total assets | 84.3807% | 2,726 |
| Equity capital to assets | 11.9027% | 2,197 |
| Core capital (leverage) ratio | 10.5583% | 2,899 |
| Tier 1 risk-based capital ratio | 15.5772% | 2,552 |
| Total risk-based capital ratio | 16.2228% | 2,729 |
| Memoranda: | ||
| Average total assets | $122,472,400 | 3,658 |
| Average earning assets | $112,292,000 | 3,672 |
| Average equity | $14,151,000 | 3,730 |
| Average total loans | $51,741,600 | 4,147 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 3,519 |
| Cost of funding earning assets | 0.7476% | 2,979 |
| Net interest margin | 3.5991% | 3,257 |
| Noninterest income to average assets | 0.5743% | 2,337 |
| Noninterest expense to average assets | 2.5183% | 3,386 |
| Loan and lease loss provision to assets | 0.0436% | 3,035 |
| Net operating income to assets | 1.3120% | 1,801 |
| Return on assets (ROA) | 1.3163% | 1,867 |
| Pretax return on assets | 1.3163% | 2,612 |
| Return on Equity (ROE) | 11.4795% | 1,811 |
| Retained earnings to average equity (ytd only) | 9.2083% | 987 |
| Net charge-offs to loans | 0.0544% | 2,055 |
| Credit loss provision to net charge-offs | 190.4762% | 1,373 |
| Earnings coverage of net charge-offs (x) | 59.2368% | 1,064 |
| Efficiency ratio | 65.0070% | 2,857 |
| Assets per employee ($millions) | 6.4672% | 1,287 |
| Cash dividends to net income (ytd only)* | 19.7848% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,425 |
| Loan loss allowance to noncurrent loans | 38.2560% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.2728% | 964 |
| Noncurrent loans to loans | 2.6807% | 404 |
| Net loans and leases to total assets | 42.7276% | 4,733 |
| Net loans and leases to deposits | 51.1227% | 4,740 |
| Net loans and leases to core deposits | 53.0345% | 4,776 |
| Total domestic deposits to total assets | 83.5786% | 2,971 |
| Equity capital to assets | 12.7193% | 1,776 |
| Core capital (leverage) ratio | 11.1405% | 2,523 |
| Tier 1 risk-based capital ratio | 20.7388% | 1,225 |
| Total risk-based capital ratio | 21.5560% | 1,283 |
| Memoranda: | ||
| Average total assets | $122,356,000 | 3,695 |
| Average earning assets | $112,172,250 | 3,711 |
| Average equity | $14,030,500 | 3,778 |
| Average total loans | $51,477,000 | 4,204 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 3,529 |
| Cost of funding earning assets | 0.7409% | 2,939 |
| Net interest margin | 3.5939% | 3,273 |
| Noninterest income to average assets | 0.2832% | 4,049 |
| Noninterest expense to average assets | 2.4832% | 3,534 |
| Loan and lease loss provision to assets | 0.0164% | 3,459 |
| Net operating income to assets | 1.0787% | 2,610 |
| Return on assets (ROA) | 1.0787% | 2,679 |
| Pretax return on assets | 1.0787% | 3,295 |
| Return on Equity (ROE) | 9.7646% | 2,500 |
| Retained earnings to average equity (ytd only) | 6.7864% | 1,910 |
| Net charge-offs to loans | 0.0314% | 2,225 |
| Credit loss provision to net charge-offs | 125.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | 83.6250% | 785 |
| Efficiency ratio | 69.3962% | 2,319 |
| Assets per employee ($millions) | 6.9343% | 1,031 |
| Cash dividends to net income (ytd only)* | 30.5008% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,546 |
| Loan loss allowance to noncurrent loans | 40.0152% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.0984% | 1,238 |
| Noncurrent loans to loans | 2.5313% | 467 |
| Net loans and leases to total assets | 41.2617% | 4,809 |
| Net loans and leases to deposits | 48.6584% | 4,833 |
| Net loans and leases to core deposits | 50.4615% | 4,860 |
| Total domestic deposits to total assets | 84.7987% | 2,567 |
| Equity capital to assets | 11.6393% | 2,494 |
| Core capital (leverage) ratio | 10.4873% | 3,110 |
| Tier 1 risk-based capital ratio | 19.7880% | 1,390 |
| Total risk-based capital ratio | 20.5748% | 1,449 |
| Memoranda: | ||
| Average total assets | $122,182,670 | 3,721 |
| Average earning assets | $112,022,330 | 3,738 |
| Average equity | $13,497,670 | 3,862 |
| Average total loans | $50,954,000 | 4,239 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1697% | 3,957 |
| Cost of funding earning assets | 0.7358% | 2,857 |
| Net interest margin | 3.4339% | 3,800 |
| Noninterest income to average assets | 0.2780% | 4,025 |
| Noninterest expense to average assets | 2.5615% | 3,332 |
| Loan and lease loss provision to assets | 0.0331% | 2,967 |
| Net operating income to assets | 0.8340% | 3,500 |
| Return on assets (ROA) | 0.8340% | 3,542 |
| Pretax return on assets | 0.8340% | 3,962 |
| Return on Equity (ROE) | 7.7643% | 3,353 |
| Retained earnings to average equity (ytd only) | 4.8681% | 2,965 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7104% | 1,647 |
| Assets per employee ($millions) | 6.9353% | 1,028 |
| Cash dividends to net income (ytd only)* | 37.3016% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,333 |
| Loan loss allowance to noncurrent loans | 37.0755% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.1992% | 1,121 |
| Noncurrent loans to loans | 2.8707% | 401 |
| Net loans and leases to total assets | 39.8371% | 4,894 |
| Net loans and leases to deposits | 46.4711% | 4,916 |
| Net loans and leases to core deposits | 48.0632% | 4,935 |
| Total domestic deposits to total assets | 85.7245% | 2,397 |
| Equity capital to assets | 10.7934% | 3,058 |
| Core capital (leverage) ratio | 10.5991% | 2,941 |
| Tier 1 risk-based capital ratio | 19.6609% | 1,407 |
| Total risk-based capital ratio | 20.4730% | 1,471 |
| Memoranda: | ||
| Average total assets | $120,865,000 | 3,791 |
| Average earning assets | $110,895,000 | 3,802 |
| Average equity | $12,982,500 | 3,950 |
| Average total loans | $50,416,500 | 4,292 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2246% | 3,374 |
| Cost of funding earning assets | 0.5743% | 2,891 |
| Net interest margin | 3.6503% | 3,222 |
| Noninterest income to average assets | 0.6033% | 2,276 |
| Noninterest expense to average assets | 3.0421% | 1,961 |
| Loan and lease loss provision to assets | 0.0172% | 3,813 |
| Net operating income to assets | 0.8804% | 3,493 |
| Return on assets (ROA) | 0.8743% | 3,514 |
| Pretax return on assets | 0.8743% | 3,967 |
| Return on Equity (ROE) | 8.2439% | 3,337 |
| Retained earnings to average equity (ytd only) | 4.7549% | 2,915 |
| Net charge-offs to loans | -0.0021% | 4,236 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2171% | 1,213 |
| Assets per employee ($millions) | 6.4941% | 1,218 |
| Cash dividends to net income (ytd only)* | 42.3228% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 3,452 |
| Loan loss allowance to noncurrent loans | 44.9871% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 1,304 |
| Noncurrent loans to loans | 2.3078% | 547 |
| Net loans and leases to total assets | 42.8097% | 4,850 |
| Net loans and leases to deposits | 49.9725% | 4,886 |
| Net loans and leases to core deposits | 51.8017% | 4,899 |
| Total domestic deposits to total assets | 85.6665% | 2,372 |
| Equity capital to assets | 10.6857% | 3,003 |
| Core capital (leverage) ratio | 11.0062% | 2,522 |
| Tier 1 risk-based capital ratio | 19.9579% | 1,316 |
| Total risk-based capital ratio | 20.7768% | 1,369 |
| Memoranda: | ||
| Average total assets | $116,203,600 | 3,849 |
| Average earning assets | $106,211,600 | 3,871 |
| Average equity | $12,324,200 | 3,986 |
| Average total loans | $48,242,400 | 4,347 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 3,315 |
| Cost of funding earning assets | 0.5615% | 2,777 |
| Net interest margin | 3.6411% | 3,218 |
| Noninterest income to average assets | 0.4252% | 3,320 |
| Noninterest expense to average assets | 2.6441% | 3,140 |
| Loan and lease loss provision to assets | 0.0115% | 3,770 |
| Net operating income to assets | 1.0928% | 2,695 |
| Return on assets (ROA) | 1.1031% | 2,664 |
| Pretax return on assets | 1.1031% | 3,387 |
| Return on Equity (ROE) | 10.4211% | 2,426 |
| Retained earnings to average equity (ytd only) | 8.3911% | 1,475 |
| Net charge-offs to loans | 0.0028% | 3,376 |
| Credit loss provision to net charge-offs | 1,000.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 963.3835% | 90 |
| Efficiency ratio | 70.5395% | 2,113 |
| Assets per employee ($millions) | 6.0384% | 1,463 |
| Cash dividends to net income (ytd only)* | 19.4794% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 3,485 |
| Loan loss allowance to noncurrent loans | 43.5484% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1261% | 1,267 |
| Noncurrent loans to loans | 2.4042% | 558 |
| Net loans and leases to total assets | 42.2601% | 4,948 |
| Net loans and leases to deposits | 49.3100% | 4,972 |
| Net loans and leases to core deposits | 51.1472% | 4,988 |
| Total domestic deposits to total assets | 85.7030% | 2,327 |
| Equity capital to assets | 10.6188% | 3,027 |
| Core capital (leverage) ratio | 11.2048% | 2,409 |
| Tier 1 risk-based capital ratio | 22.5429% | 986 |
| Total risk-based capital ratio | 23.4337% | 1,007 |
| Memoranda: | ||
| Average total assets | $116,031,000 | 3,893 |
| Average earning assets | $105,900,750 | 3,916 |
| Average equity | $12,282,500 | 4,028 |
| Average total loans | $47,661,250 | 4,407 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1399% | 3,318 |
| Cost of funding earning assets | 0.5439% | 2,662 |
| Net interest margin | 3.5960% | 3,324 |
| Noninterest income to average assets | 0.3641% | 3,717 |
| Noninterest expense to average assets | 2.5931% | 3,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0407% | 2,848 |
| Return on assets (ROA) | 1.0630% | 2,743 |
| Pretax return on assets | 1.0630% | 3,463 |
| Return on Equity (ROE) | 10.0522% | 2,541 |
| Retained earnings to average equity (ytd only) | 7.9898% | 1,642 |
| Net charge-offs to loans | -0.0085% | 4,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3611% | 2,104 |
| Assets per employee ($millions) | 6.0845% | 1,410 |
| Cash dividends to net income (ytd only)* | 20.5170% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 3,490 |
| Loan loss allowance to noncurrent loans | 75.5224% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.6782% | 2,206 |
| Noncurrent loans to loans | 1.4009% | 1,207 |
| Net loans and leases to total assets | 40.9316% | 5,024 |
| Net loans and leases to deposits | 47.6944% | 5,036 |
| Net loans and leases to core deposits | 49.4503% | 5,053 |
| Total domestic deposits to total assets | 85.8207% | 2,358 |
| Equity capital to assets | 10.6111% | 3,017 |
| Core capital (leverage) ratio | 10.8397% | 2,667 |
| Tier 1 risk-based capital ratio | 21.5924% | 1,084 |
| Total risk-based capital ratio | 22.4527% | 1,121 |
| Memoranda: | ||
| Average total assets | $116,464,670 | 3,919 |
| Average earning assets | $105,895,670 | 3,947 |
| Average equity | $12,315,670 | 4,034 |
| Average total loans | $47,215,670 | 4,456 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 3,536 |
| Cost of funding earning assets | 0.5151% | 2,678 |
| Net interest margin | 3.5045% | 3,521 |
| Noninterest income to average assets | 0.3388% | 3,888 |
| Noninterest expense to average assets | 2.6862% | 3,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8418% | 3,544 |
| Return on assets (ROA) | 0.8418% | 3,560 |
| Pretax return on assets | 0.8418% | 4,049 |
| Return on Equity (ROE) | 7.9741% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.1637% | 2,205 |
| Net charge-offs to loans | -0.0171% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1397% | 1,576 |
| Assets per employee ($millions) | 6.1979% | 1,364 |
| Cash dividends to net income (ytd only)* | 10.1626% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 3,407 |
| Loan loss allowance to noncurrent loans | 92.3358% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 2,642 |
| Noncurrent loans to loans | 1.1876% | 1,540 |
| Net loans and leases to total assets | 38.7542% | 5,115 |
| Net loans and leases to deposits | 44.9400% | 5,132 |
| Net loans and leases to core deposits | 46.6965% | 5,137 |
| Total domestic deposits to total assets | 86.2356% | 2,432 |
| Equity capital to assets | 10.3541% | 3,215 |
| Core capital (leverage) ratio | 10.3119% | 3,176 |
| Tier 1 risk-based capital ratio | 19.3840% | 1,455 |
| Total risk-based capital ratio | 20.1911% | 1,529 |
| Memoranda: | ||
| Average total assets | $116,894,500 | 3,952 |
| Average earning assets | $106,377,000 | 3,982 |
| Average equity | $12,340,000 | 4,070 |
| Average total loans | $46,911,000 | 4,510 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 2,936 |
| Cost of funding earning assets | 0.5197% | 2,180 |
| Net interest margin | 3.6139% | 3,120 |
| Noninterest income to average assets | 0.5497% | 2,720 |
| Noninterest expense to average assets | 2.9556% | 2,277 |
| Loan and lease loss provision to assets | 0.1344% | 1,707 |
| Net operating income to assets | 0.7699% | 3,304 |
| Return on assets (ROA) | 0.8514% | 2,971 |
| Pretax return on assets | 0.8514% | 4,088 |
| Return on Equity (ROE) | 7.9533% | 2,814 |
| Retained earnings to average equity (ytd only) | 4.6570% | 2,351 |
| Net charge-offs to loans | 0.2770% | 946 |
| Credit loss provision to net charge-offs | 120.1550% | 2,175 |
| Earnings coverage of net charge-offs (x) | 8.0853% | 2,959 |
| Efficiency ratio | 76.5723% | 1,546 |
| Assets per employee ($millions) | 6.1068% | 1,447 |
| Cash dividends to net income (ytd only)* | 41.4460% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 3,578 |
| Loan loss allowance to noncurrent loans | 131.2500% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 3,151 |
| Noncurrent loans to loans | 0.8054% | 2,199 |
| Net loans and leases to total assets | 40.6579% | 5,104 |
| Net loans and leases to deposits | 47.3687% | 5,149 |
| Net loans and leases to core deposits | 49.2535% | 5,158 |
| Total domestic deposits to total assets | 85.8329% | 2,516 |
| Equity capital to assets | 10.7620% | 2,884 |
| Core capital (leverage) ratio | 10.5796% | 2,762 |
| Tier 1 risk-based capital ratio | 18.6866% | 1,592 |
| Total risk-based capital ratio | 19.4579% | 1,689 |
| Memoranda: | ||
| Average total assets | $115,341,800 | 3,972 |
| Average earning assets | $105,647,000 | 3,993 |
| Average equity | $12,347,000 | 4,079 |
| Average total loans | $46,571,400 | 4,550 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 2,908 |
| Cost of funding earning assets | 0.5232% | 2,084 |
| Net interest margin | 3.5996% | 3,154 |
| Noninterest income to average assets | 0.3612% | 3,948 |
| Noninterest expense to average assets | 2.6233% | 3,343 |
| Loan and lease loss provision to assets | 0.0405% | 3,301 |
| Net operating income to assets | 1.0026% | 2,543 |
| Return on assets (ROA) | 1.0824% | 2,223 |
| Pretax return on assets | 1.0824% | 3,371 |
| Return on Equity (ROE) | 10.1254% | 2,075 |
| Retained earnings to average equity (ytd only) | 8.3493% | 1,074 |
| Net charge-offs to loans | 0.3111% | 676 |
| Credit loss provision to net charge-offs | 32.4074% | 3,065 |
| Earnings coverage of net charge-offs (x) | 8.3424% | 2,796 |
| Efficiency ratio | 71.5504% | 2,272 |
| Assets per employee ($millions) | 6.0683% | 1,443 |
| Cash dividends to net income (ytd only)* | 17.5399% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 4,718 |
| Loan loss allowance to noncurrent loans | 88.2353% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 3,077 |
| Noncurrent loans to loans | 0.9754% | 1,972 |
| Net loans and leases to total assets | 40.4621% | 5,176 |
| Net loans and leases to deposits | 47.4318% | 5,212 |
| Net loans and leases to core deposits | 49.3416% | 5,221 |
| Total domestic deposits to total assets | 85.3059% | 2,596 |
| Equity capital to assets | 11.2734% | 2,598 |
| Core capital (leverage) ratio | 10.9670% | 2,486 |
| Tier 1 risk-based capital ratio | 19.3544% | 1,508 |
| Total risk-based capital ratio | 19.9769% | 1,618 |
| Memoranda: | ||
| Average total assets | $115,170,000 | 4,013 |
| Average earning assets | $105,749,250 | 4,031 |
| Average equity | $12,312,000 | 4,125 |
| Average total loans | $46,294,500 | 4,600 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1270% | 2,739 |
| Cost of funding earning assets | 0.5237% | 1,974 |
| Net interest margin | 3.6033% | 3,023 |
| Noninterest income to average assets | 0.3579% | 4,003 |
| Noninterest expense to average assets | 2.5867% | 3,477 |
| Loan and lease loss provision to assets | 0.0434% | 3,127 |
| Net operating income to assets | 1.0267% | 2,303 |
| Return on assets (ROA) | 1.1639% | 1,760 |
| Pretax return on assets | 1.1639% | 2,914 |
| Return on Equity (ROE) | 11.0897% | 1,610 |
| Retained earnings to average equity (ytd only) | 9.7655% | 628 |
| Net charge-offs to loans | 0.4387% | 464 |
| Credit loss provision to net charge-offs | 24.7525% | 2,757 |
| Earnings coverage of net charge-offs (x) | 6.0990% | 2,745 |
| Efficiency ratio | 70.7363% | 2,543 |
| Assets per employee ($millions) | 6.0266% | 1,446 |
| Cash dividends to net income (ytd only)* | 11.9403% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 4,745 |
| Loan loss allowance to noncurrent loans | 62.2291% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 2,555 |
| Noncurrent loans to loans | 1.4000% | 1,373 |
| Net loans and leases to total assets | 39.9476% | 5,227 |
| Net loans and leases to deposits | 46.8102% | 5,260 |
| Net loans and leases to core deposits | 48.7037% | 5,260 |
| Total domestic deposits to total assets | 85.3395% | 2,677 |
| Equity capital to assets | 11.2842% | 2,511 |
| Core capital (leverage) ratio | 10.7616% | 2,635 |
| Tier 1 risk-based capital ratio | 19.3105% | 1,517 |
| Total risk-based capital ratio | 19.9353% | 1,635 |
| Memoranda: | ||
| Average total assets | $115,127,330 | 4,042 |
| Average earning assets | $105,404,670 | 4,064 |
| Average equity | $12,083,330 | 4,170 |
| Average total loans | $46,040,330 | 4,635 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 2,627 |
| Cost of funding earning assets | 0.5073% | 2,024 |
| Net interest margin | 3.6003% | 2,889 |
| Noninterest income to average assets | 0.3153% | 4,294 |
| Noninterest expense to average assets | 2.7443% | 2,978 |
| Loan and lease loss provision to assets | 0.0347% | 3,093 |
| Net operating income to assets | 0.8316% | 3,072 |
| Return on assets (ROA) | 0.8316% | 3,128 |
| Pretax return on assets | 0.8316% | 4,001 |
| Return on Equity (ROE) | 8.2301% | 2,794 |
| Retained earnings to average equity (ytd only) | 7.9901% | 1,463 |
| Net charge-offs to loans | 0.3044% | 609 |
| Credit loss provision to net charge-offs | 28.5714% | 2,121 |
| Earnings coverage of net charge-offs (x) | 7.1429% | 2,161 |
| Efficiency ratio | 76.0077% | 1,903 |
| Assets per employee ($millions) | 6.0904% | 1,433 |
| Cash dividends to net income (ytd only)* | 2.9167% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 4,393 |
| Loan loss allowance to noncurrent loans | 42.4157% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 0.9307% | 1,983 |
| Noncurrent loans to loans | 2.3111% | 709 |
| Net loans and leases to total assets | 39.5427% | 5,264 |
| Net loans and leases to deposits | 45.7443% | 5,308 |
| Net loans and leases to core deposits | 47.1222% | 5,333 |
| Total domestic deposits to total assets | 86.4429% | 2,471 |
| Equity capital to assets | 10.3018% | 3,405 |
| Core capital (leverage) ratio | 10.4402% | 2,968 |
| Tier 1 risk-based capital ratio | 19.0661% | 1,602 |
| Total risk-based capital ratio | 19.7800% | 1,692 |
| Memoranda: | ||
| Average total assets | $115,438,500 | 4,073 |
| Average earning assets | $105,656,500 | 4,091 |
| Average equity | $11,664,500 | 4,274 |
| Average total loans | $45,988,500 | 4,676 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1281% | 2,743 |
| Cost of funding earning assets | 0.5319% | 1,855 |
| Net interest margin | 3.5962% | 3,077 |
| Noninterest income to average assets | 0.3681% | 4,109 |
| Noninterest expense to average assets | 2.8627% | 2,801 |
| Loan and lease loss provision to assets | 0.0174% | 4,033 |
| Net operating income to assets | 0.7754% | 3,426 |
| Return on assets (ROA) | 0.7945% | 3,434 |
| Pretax return on assets | 0.7945% | 4,196 |
| Return on Equity (ROE) | 7.2161% | 3,359 |
| Retained earnings to average equity (ytd only) | 3.3281% | 3,550 |
| Net charge-offs to loans | 0.5728% | 404 |
| Credit loss provision to net charge-offs | 7.7220% | 3,752 |
| Earnings coverage of net charge-offs (x) | 3.5251% | 3,648 |
| Efficiency ratio | 78.3135% | 1,652 |
| Assets per employee ($millions) | 6.3977% | 1,204 |
| Cash dividends to net income (ytd only)* | 53.8798% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 4,045 |
| Loan loss allowance to noncurrent loans | 65.9310% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 2,546 |
| Noncurrent loans to loans | 1.5841% | 1,245 |
| Net loans and leases to total assets | 39.3265% | 5,344 |
| Net loans and leases to deposits | 45.2722% | 5,390 |
| Net loans and leases to core deposits | 46.9573% | 5,404 |
| Total domestic deposits to total assets | 86.8669% | 2,212 |
| Equity capital to assets | 9.9063% | 3,810 |
| Core capital (leverage) ratio | 10.0302% | 3,448 |
| Tier 1 risk-based capital ratio | 18.3439% | 1,763 |
| Total risk-based capital ratio | 19.0975% | 1,849 |
| Memoranda: | ||
| Average total assets | $115,170,600 | 4,078 |
| Average earning assets | $105,277,400 | 4,093 |
| Average equity | $12,680,000 | 4,138 |
| Average total loans | $45,213,000 | 4,707 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1460% | 2,695 |
| Cost of funding earning assets | 0.5366% | 1,819 |
| Net interest margin | 3.6094% | 3,035 |
| Noninterest income to average assets | 0.3577% | 4,220 |
| Noninterest expense to average assets | 2.4403% | 4,164 |
| Loan and lease loss provision to assets | 0.0116% | 4,011 |
| Net operating income to assets | 1.2074% | 1,622 |
| Return on assets (ROA) | 1.2433% | 1,583 |
| Pretax return on assets | 1.2433% | 2,639 |
| Return on Equity (ROE) | 11.0168% | 1,661 |
| Retained earnings to average equity (ytd only) | 8.2062% | 1,086 |
| Net charge-offs to loans | 0.7247% | 255 |
| Credit loss provision to net charge-offs | 4.0816% | 3,393 |
| Earnings coverage of net charge-offs (x) | 4.2979% | 3,289 |
| Efficiency ratio | 66.6878% | 3,471 |
| Assets per employee ($millions) | 6.3787% | 1,190 |
| Cash dividends to net income (ytd only)* | 25.5119% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 4,154 |
| Loan loss allowance to noncurrent loans | 236.2745% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 3,913 |
| Noncurrent loans to loans | 0.4423% | 3,696 |
| Net loans and leases to total assets | 39.7549% | 5,390 |
| Net loans and leases to deposits | 46.8332% | 5,420 |
| Net loans and leases to core deposits | 48.6221% | 5,431 |
| Total domestic deposits to total assets | 84.8863% | 2,856 |
| Equity capital to assets | 11.8947% | 2,185 |
| Core capital (leverage) ratio | 10.6417% | 2,836 |
| Tier 1 risk-based capital ratio | 20.4472% | 1,362 |
| Total risk-based capital ratio | 21.2490% | 1,405 |
| Memoranda: | ||
| Average total assets | $115,173,500 | 4,107 |
| Average earning assets | $105,350,750 | 4,114 |
| Average equity | $12,998,000 | 4,122 |
| Average total loans | $45,074,750 | 4,751 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 2,640 |
| Cost of funding earning assets | 0.5337% | 1,839 |
| Net interest margin | 3.6264% | 2,987 |
| Noninterest income to average assets | 0.3244% | 4,463 |
| Noninterest expense to average assets | 2.3852% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2629% | 1,379 |
| Return on assets (ROA) | 1.2958% | 1,392 |
| Pretax return on assets | 1.2958% | 2,424 |
| Return on Equity (ROE) | 11.6917% | 1,420 |
| Retained earnings to average equity (ytd only) | 8.1701% | 1,114 |
| Net charge-offs to loans | 0.5143% | 420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.3304% | 2,758 |
| Efficiency ratio | 65.3828% | 3,777 |
| Assets per employee ($millions) | 6.4151% | 1,126 |
| Cash dividends to net income (ytd only)* | 30.1205% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 2,623 |
| Loan loss allowance to noncurrent loans | 103.0822% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.7249% | 2,806 |
| Noncurrent loans to loans | 1.2902% | 1,752 |
| Net loans and leases to total assets | 38.6795% | 5,483 |
| Net loans and leases to deposits | 45.3939% | 5,516 |
| Net loans and leases to core deposits | 47.1055% | 5,527 |
| Total domestic deposits to total assets | 85.2085% | 2,779 |
| Equity capital to assets | 11.6496% | 2,405 |
| Core capital (leverage) ratio | 9.9997% | 3,563 |
| Tier 1 risk-based capital ratio | 19.1952% | 1,651 |
| Total risk-based capital ratio | 20.1799% | 1,677 |
| Memoranda: | ||
| Average total assets | $115,292,670 | 4,135 |
| Average earning assets | $105,669,670 | 4,140 |
| Average equity | $12,778,330 | 4,183 |
| Average total loans | $44,724,000 | 4,808 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 2,737 |
| Cost of funding earning assets | 0.5435% | 1,767 |
| Net interest margin | 3.5840% | 3,149 |
| Noninterest income to average assets | 0.3021% | 4,565 |
| Noninterest expense to average assets | 2.2742% | 4,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3020% | 1,246 |
| Return on assets (ROA) | 1.3020% | 1,334 |
| Pretax return on assets | 1.3020% | 2,294 |
| Return on Equity (ROE) | 12.0564% | 1,300 |
| Retained earnings to average equity (ytd only) | 11.1884% | 622 |
| Net charge-offs to loans | -0.0270% | 5,017 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5922% | 4,191 |
| Assets per employee ($millions) | 6.4649% | 1,125 |
| Cash dividends to net income (ytd only)* | 7.2000% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 1,725 |
| Loan loss allowance to noncurrent loans | 53.0973% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 1.3612% | 1,557 |
| Noncurrent loans to loans | 2.9514% | 560 |
| Net loans and leases to total assets | 38.8626% | 5,516 |
| Net loans and leases to deposits | 45.2231% | 5,548 |
| Net loans and leases to core deposits | 46.8978% | 5,553 |
| Total domestic deposits to total assets | 85.9353% | 2,695 |
| Equity capital to assets | 11.0244% | 2,912 |
| Core capital (leverage) ratio | 9.6819% | 3,935 |
| Tier 1 risk-based capital ratio | 19.2360% | 1,677 |
| Total risk-based capital ratio | 20.4688% | 1,644 |
| Memoranda: | ||
| Average total assets | $115,203,000 | 4,165 |
| Average earning assets | $105,246,000 | 4,178 |
| Average equity | $12,441,500 | 4,253 |
| Average total loans | $44,453,000 | 4,854 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 3,317 |
| Cost of funding earning assets | 0.5483% | 1,777 |
| Net interest margin | 3.4493% | 3,723 |
| Noninterest income to average assets | 0.3343% | 4,508 |
| Noninterest expense to average assets | 2.7766% | 3,325 |
| Loan and lease loss provision to assets | 0.0623% | 3,052 |
| Net operating income to assets | 0.6310% | 4,134 |
| Return on assets (ROA) | 0.6292% | 4,233 |
| Pretax return on assets | 0.6292% | 4,750 |
| Return on Equity (ROE) | 5.8638% | 4,093 |
| Retained earnings to average equity (ytd only) | 1.6929% | 4,763 |
| Net charge-offs to loans | 0.0298% | 3,624 |
| Credit loss provision to net charge-offs | 591.6667% | 570 |
| Earnings coverage of net charge-offs (x) | 65.8333% | 813 |
| Efficiency ratio | 80.0202% | 1,672 |
| Assets per employee ($millions) | 6.3354% | 1,176 |
| Cash dividends to net income (ytd only)* | 71.1297% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 1,420 |
| Loan loss allowance to noncurrent loans | 77.4298% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 2,169 |
| Noncurrent loans to loans | 2.1554% | 936 |
| Net loans and leases to total assets | 37.0450% | 5,665 |
| Net loans and leases to deposits | 42.8896% | 5,685 |
| Net loans and leases to core deposits | 44.4979% | 5,700 |
| Total domestic deposits to total assets | 86.3728% | 2,447 |
| Equity capital to assets | 10.5703% | 3,284 |
| Core capital (leverage) ratio | 9.8630% | 3,695 |
| Tier 1 risk-based capital ratio | 17.8603% | 2,007 |
| Total risk-based capital ratio | 19.0025% | 1,989 |
| Memoranda: | ||
| Average total assets | $113,953,200 | 4,179 |
| Average earning assets | $103,587,200 | 4,194 |
| Average equity | $12,227,600 | 4,260 |
| Average total loans | $40,333,400 | 5,004 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 3,491 |
| Cost of funding earning assets | 0.5506% | 1,801 |
| Net interest margin | 3.4103% | 3,908 |
| Noninterest income to average assets | 0.3183% | 4,662 |
| Noninterest expense to average assets | 2.3791% | 4,572 |
| Loan and lease loss provision to assets | 0.0679% | 2,821 |
| Net operating income to assets | 0.9737% | 2,606 |
| Return on assets (ROA) | 0.9701% | 2,705 |
| Pretax return on assets | 0.9701% | 3,741 |
| Return on Equity (ROE) | 9.0075% | 2,574 |
| Retained earnings to average equity (ytd only) | 5.8891% | 2,317 |
| Net charge-offs to loans | 0.0336% | 3,245 |
| Credit loss provision to net charge-offs | 580.0000% | 589 |
| Earnings coverage of net charge-offs (x) | 89.0203% | 693 |
| Efficiency ratio | 69.5518% | 3,279 |
| Assets per employee ($millions) | 6.2312% | 1,217 |
| Cash dividends to net income (ytd only)* | 34.6202% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 1,438 |
| Loan loss allowance to noncurrent loans | 83.9477% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.0066% | 2,350 |
| Noncurrent loans to loans | 2.0448% | 1,125 |
| Net loans and leases to total assets | 36.0393% | 5,782 |
| Net loans and leases to deposits | 41.9964% | 5,803 |
| Net loans and leases to core deposits | 43.6089% | 5,803 |
| Total domestic deposits to total assets | 85.8150% | 2,628 |
| Equity capital to assets | 11.0743% | 2,935 |
| Core capital (leverage) ratio | 10.1925% | 3,380 |
| Tier 1 risk-based capital ratio | 18.9467% | 1,787 |
| Total risk-based capital ratio | 20.1050% | 1,776 |
| Memoranda: | ||
| Average total assets | $113,932,250 | 4,223 |
| Average earning assets | $103,643,250 | 4,247 |
| Average equity | $12,271,000 | 4,306 |
| Average total loans | $39,676,250 | 5,078 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8763% | 3,785 |
| Cost of funding earning assets | 0.5540% | 1,785 |
| Net interest margin | 3.3222% | 4,204 |
| Noninterest income to average assets | 0.2969% | 4,834 |
| Noninterest expense to average assets | 2.3524% | 4,709 |
| Loan and lease loss provision to assets | 0.0681% | 2,754 |
| Net operating income to assets | 0.8924% | 2,923 |
| Return on assets (ROA) | 0.9134% | 2,936 |
| Pretax return on assets | 0.9134% | 3,906 |
| Return on Equity (ROE) | 8.5590% | 2,770 |
| Retained earnings to average equity (ytd only) | 5.4660% | 2,554 |
| Net charge-offs to loans | 0.0714% | 2,368 |
| Credit loss provision to net charge-offs | 278.5714% | 973 |
| Earnings coverage of net charge-offs (x) | 39.2857% | 1,141 |
| Efficiency ratio | 71.0069% | 3,151 |
| Assets per employee ($millions) | 6.3004% | 1,154 |
| Cash dividends to net income (ytd only)* | 36.1377% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7437% | 1,512 |
| Loan loss allowance to noncurrent loans | 68.5743% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1322% | 2,249 |
| Noncurrent loans to loans | 2.5428% | 872 |
| Net loans and leases to total assets | 33.9368% | 5,912 |
| Net loans and leases to deposits | 39.1610% | 5,931 |
| Net loans and leases to core deposits | 40.6277% | 5,939 |
| Total domestic deposits to total assets | 86.6597% | 2,338 |
| Equity capital to assets | 10.3229% | 3,659 |
| Core capital (leverage) ratio | 9.0666% | 4,868 |
| Tier 1 risk-based capital ratio | 17.6982% | 2,159 |
| Total risk-based capital ratio | 18.8441% | 2,140 |
| Memoranda: | ||
| Average total assets | $114,522,670 | 4,244 |
| Average earning assets | $103,966,330 | 4,274 |
| Average equity | $12,221,000 | 4,341 |
| Average total loans | $39,192,330 | 5,138 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 3,913 |
| Cost of funding earning assets | 0.5571% | 1,783 |
| Net interest margin | 3.2658% | 4,362 |
| Noninterest income to average assets | 0.2642% | 5,063 |
| Noninterest expense to average assets | 2.2628% | 4,963 |
| Loan and lease loss provision to assets | 0.0695% | 2,550 |
| Net operating income to assets | 0.8863% | 2,814 |
| Return on assets (ROA) | 0.9281% | 2,739 |
| Pretax return on assets | 0.9281% | 3,784 |
| Return on Equity (ROE) | 8.5591% | 2,667 |
| Retained earnings to average equity (ytd only) | 7.6935% | 1,689 |
| Net charge-offs to loans | 0.0306% | 2,580 |
| Credit loss provision to net charge-offs | 666.6667% | 440 |
| Earnings coverage of net charge-offs (x) | 91.6667% | 528 |
| Efficiency ratio | 70.3024% | 3,427 |
| Assets per employee ($millions) | 6.4628% | 1,094 |
| Cash dividends to net income (ytd only)* | 10.1124% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7103% | 1,710 |
| Loan loss allowance to noncurrent loans | 119.0476% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 3,221 |
| Noncurrent loans to loans | 1.4366% | 1,986 |
| Net loans and leases to total assets | 33.3462% | 5,944 |
| Net loans and leases to deposits | 38.7231% | 5,962 |
| Net loans and leases to core deposits | 40.4598% | 5,960 |
| Total domestic deposits to total assets | 86.1146% | 2,877 |
| Equity capital to assets | 11.0134% | 2,954 |
| Core capital (leverage) ratio | 9.6576% | 4,062 |
| Tier 1 risk-based capital ratio | 19.4445% | 1,751 |
| Total risk-based capital ratio | 20.6118% | 1,729 |
| Memoranda: | ||
| Average total assets | $115,080,000 | 4,269 |
| Average earning assets | $104,110,500 | 4,296 |
| Average equity | $12,478,000 | 4,324 |
| Average total loans | $39,203,500 | 5,168 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 3,125 |
| Cost of funding earning assets | 0.5935% | 1,817 |
| Net interest margin | 3.5560% | 3,575 |
| Noninterest income to average assets | 0.3952% | 4,219 |
| Noninterest expense to average assets | 2.7265% | 3,763 |
| Loan and lease loss provision to assets | 0.1058% | 2,388 |
| Net operating income to assets | 0.6598% | 4,088 |
| Return on assets (ROA) | 0.7233% | 3,886 |
| Pretax return on assets | 0.7233% | 4,538 |
| Return on Equity (ROE) | 7.4513% | 3,400 |
| Retained earnings to average equity (ytd only) | 2.3717% | 4,540 |
| Net charge-offs to loans | 0.1517% | 2,522 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 14.4667% | 2,162 |
| Efficiency ratio | 78.0753% | 2,200 |
| Assets per employee ($millions) | 6.3238% | 1,168 |
| Cash dividends to net income (ytd only)* | 68.1707% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 1,800 |
| Loan loss allowance to noncurrent loans | 83.7150% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 0.9646% | 2,828 |
| Noncurrent loans to loans | 2.0185% | 1,373 |
| Net loans and leases to total assets | 33.6311% | 6,055 |
| Net loans and leases to deposits | 38.9092% | 6,066 |
| Net loans and leases to core deposits | 40.8935% | 6,075 |
| Total domestic deposits to total assets | 86.4349% | 2,605 |
| Equity capital to assets | 10.6686% | 3,276 |
| Core capital (leverage) ratio | 9.7290% | 3,930 |
| Tier 1 risk-based capital ratio | 20.0763% | 1,589 |
| Total risk-based capital ratio | 21.2766% | 1,567 |
| Memoranda: | ||
| Average total assets | $113,370,800 | 4,314 |
| Average earning assets | $98,735,200 | 4,429 |
| Average equity | $11,004,800 | 4,559 |
| Average total loans | $39,555,600 | 5,198 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 2,929 |
| Cost of funding earning assets | 0.6053% | 1,784 |
| Net interest margin | 3.6126% | 3,378 |
| Noninterest income to average assets | 0.4038% | 4,218 |
| Noninterest expense to average assets | 2.2768% | 5,163 |
| Loan and lease loss provision to assets | 0.1060% | 2,269 |
| Net operating income to assets | 1.1337% | 1,917 |
| Return on assets (ROA) | 1.2196% | 1,669 |
| Pretax return on assets | 1.2196% | 2,705 |
| Return on Equity (ROE) | 12.8853% | 1,244 |
| Retained earnings to average equity (ytd only) | 9.0670% | 973 |
| Net charge-offs to loans | 0.1410% | 2,388 |
| Credit loss provision to net charge-offs | 214.2857% | 1,194 |
| Earnings coverage of net charge-offs (x) | 25.0707% | 1,517 |
| Efficiency ratio | 64.7472% | 4,425 |
| Assets per employee ($millions) | 6.2154% | 1,192 |
| Cash dividends to net income (ytd only)* | 29.6330% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6158% | 2,244 |
| Loan loss allowance to noncurrent loans | 32.1233% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 2.1390% | 1,303 |
| Noncurrent loans to loans | 5.0301% | 362 |
| Net loans and leases to total assets | 35.1574% | 6,062 |
| Net loans and leases to deposits | 40.6989% | 6,093 |
| Net loans and leases to core deposits | 42.5797% | 6,101 |
| Total domestic deposits to total assets | 86.3842% | 2,654 |
| Equity capital to assets | 10.6501% | 3,368 |
| Core capital (leverage) ratio | 10.0731% | 3,568 |
| Tier 1 risk-based capital ratio | 20.5961% | 1,532 |
| Total risk-based capital ratio | 21.7558% | 1,517 |
| Memoranda: | ||
| Average total assets | $113,256,250 | 4,350 |
| Average earning assets | $97,582,000 | 4,507 |
| Average equity | $10,720,000 | 4,643 |
| Average total loans | $39,709,500 | 5,253 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 2,896 |
| Cost of funding earning assets | 0.6159% | 1,765 |
| Net interest margin | 3.5996% | 3,360 |
| Noninterest income to average assets | 0.3289% | 4,786 |
| Noninterest expense to average assets | 2.2002% | 5,410 |
| Loan and lease loss provision to assets | 0.1055% | 2,260 |
| Net operating income to assets | 1.0658% | 2,051 |
| Return on assets (ROA) | 1.2188% | 1,593 |
| Pretax return on assets | 1.2188% | 2,577 |
| Return on Equity (ROE) | 13.4281% | 1,067 |
| Retained earnings to average equity (ytd only) | 8.9133% | 1,019 |
| Net charge-offs to loans | 0.1817% | 1,942 |
| Credit loss provision to net charge-offs | 166.6667% | 1,350 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,681 |
| Efficiency ratio | 65.2582% | 4,476 |
| Assets per employee ($millions) | 6.3594% | 1,086 |
| Cash dividends to net income (ytd only)* | 33.6219% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 2,509 |
| Loan loss allowance to noncurrent loans | 33.6216% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 3.3170% | 734 |
| Noncurrent loans to loans | 4.7248% | 450 |
| Net loans and leases to total assets | 33.6621% | 6,171 |
| Net loans and leases to deposits | 38.5696% | 6,205 |
| Net loans and leases to core deposits | 40.2858% | 6,215 |
| Total domestic deposits to total assets | 87.2761% | 2,308 |
| Equity capital to assets | 9.8672% | 4,274 |
| Core capital (leverage) ratio | 9.7535% | 3,959 |
| Tier 1 risk-based capital ratio | 19.8031% | 1,731 |
| Total risk-based capital ratio | 20.9026% | 1,740 |
| Memoranda: | ||
| Average total assets | $113,716,000 | 4,370 |
| Average earning assets | $96,121,670 | 4,576 |
| Average equity | $10,321,670 | 4,738 |
| Average total loans | $39,619,670 | 5,294 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 2,455 |
| Cost of funding earning assets | 0.6115% | 1,886 |
| Net interest margin | 3.7064% | 2,839 |
| Noninterest income to average assets | 0.3459% | 4,604 |
| Noninterest expense to average assets | 2.1034% | 5,674 |
| Loan and lease loss provision to assets | 0.1059% | 2,156 |
| Net operating income to assets | 1.3023% | 1,203 |
| Return on assets (ROA) | 1.5705% | 735 |
| Pretax return on assets | 1.5705% | 1,237 |
| Return on Equity (ROE) | 18.0986% | 436 |
| Retained earnings to average equity (ytd only) | 15.8210% | 280 |
| Net charge-offs to loans | 0.4015% | 907 |
| Credit loss provision to net charge-offs | 75.0000% | 1,953 |
| Earnings coverage of net charge-offs (x) | 9.9750% | 1,898 |
| Efficiency ratio | 59.8995% | 5,424 |
| Assets per employee ($millions) | 6.3289% | 1,099 |
| Cash dividends to net income (ytd only)* | 12.5843% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 3,138 |
| Loan loss allowance to noncurrent loans | 36.8652% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 3.1320% | 881 |
| Noncurrent loans to loans | 4.0744% | 653 |
| Net loans and leases to total assets | 33.8474% | 6,186 |
| Net loans and leases to deposits | 38.4464% | 6,229 |
| Net loans and leases to core deposits | 40.0534% | 6,232 |
| Total domestic deposits to total assets | 88.0381% | 2,218 |
| Equity capital to assets | 9.1555% | 4,932 |
| Core capital (leverage) ratio | 9.8451% | 3,792 |
| Tier 1 risk-based capital ratio | 19.7386% | 1,784 |
| Total risk-based capital ratio | 20.7812% | 1,798 |
| Memoranda: | ||
| Average total assets | $113,339,000 | 4,422 |
| Average earning assets | $96,805,000 | 4,601 |
| Average equity | $9,835,000 | 4,860 |
| Average total loans | $39,852,000 | 5,331 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1371% | 3,587 |
| Cost of funding earning assets | 0.6852% | 1,916 |
| Net interest margin | 3.4519% | 4,089 |
| Noninterest income to average assets | 0.4197% | 4,301 |
| Noninterest expense to average assets | 2.6569% | 4,255 |
| Loan and lease loss provision to assets | 0.0755% | 3,596 |
| Net operating income to assets | 0.7217% | 3,692 |
| Return on assets (ROA) | 0.7604% | 3,590 |
| Pretax return on assets | 0.7604% | 4,297 |
| Return on Equity (ROE) | 7.8616% | 3,110 |
| Retained earnings to average equity (ytd only) | 2.6236% | 4,389 |
| Net charge-offs to loans | 0.3701% | 1,826 |
| Credit loss provision to net charge-offs | 57.3333% | 3,645 |
| Earnings coverage of net charge-offs (x) | 6.0533% | 3,139 |
| Efficiency ratio | 76.9192% | 2,634 |
| Assets per employee ($millions) | 5.9346% | 1,312 |
| Cash dividends to net income (ytd only)* | 66.6282% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 3,312 |
| Loan loss allowance to noncurrent loans | 43.3020% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 2.9736% | 1,066 |
| Noncurrent loans to loans | 3.4051% | 941 |
| Net loans and leases to total assets | 35.4378% | 6,228 |
| Net loans and leases to deposits | 39.8220% | 6,311 |
| Net loans and leases to core deposits | 41.2748% | 6,325 |
| Total domestic deposits to total assets | 88.9906% | 1,636 |
| Equity capital to assets | 8.1945% | 5,879 |
| Core capital (leverage) ratio | 9.6141% | 4,100 |
| Tier 1 risk-based capital ratio | 18.7792% | 1,986 |
| Total risk-based capital ratio | 19.8245% | 2,024 |
| Memoranda: | ||
| Average total assets | $113,892,400 | 4,411 |
| Average earning assets | $100,119,200 | 4,517 |
| Average equity | $11,015,600 | 4,634 |
| Average total loans | $40,528,200 | 5,327 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 3,692 |
| Cost of funding earning assets | 0.7155% | 1,850 |
| Net interest margin | 3.4005% | 4,285 |
| Noninterest income to average assets | 0.4029% | 4,518 |
| Noninterest expense to average assets | 2.0377% | 5,953 |
| Loan and lease loss provision to assets | 0.0631% | 3,783 |
| Net operating income to assets | 1.2880% | 1,379 |
| Return on assets (ROA) | 1.3394% | 1,293 |
| Pretax return on assets | 1.3394% | 2,169 |
| Return on Equity (ROE) | 13.3453% | 1,154 |
| Retained earnings to average equity (ytd only) | 9.5639% | 890 |
| Net charge-offs to loans | 0.3060% | 2,006 |
| Credit loss provision to net charge-offs | 58.0645% | 3,339 |
| Earnings coverage of net charge-offs (x) | 12.4406% | 2,135 |
| Efficiency ratio | 60.1309% | 5,410 |
| Assets per employee ($millions) | 5.7320% | 1,420 |
| Cash dividends to net income (ytd only)* | 28.3345% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 3,493 |
| Loan loss allowance to noncurrent loans | 57.3137% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 3.0255% | 1,221 |
| Noncurrent loans to loans | 2.6033% | 1,636 |
| Net loans and leases to total assets | 37.7667% | 6,179 |
| Net loans and leases to deposits | 42.8042% | 6,271 |
| Net loans and leases to core deposits | 44.4366% | 6,284 |
| Total domestic deposits to total assets | 88.2314% | 1,976 |
| Equity capital to assets | 8.8708% | 5,331 |
| Core capital (leverage) ratio | 9.9623% | 3,727 |
| Tier 1 risk-based capital ratio | 19.5235% | 1,854 |
| Total risk-based capital ratio | 20.6022% | 1,861 |
| Memoranda: | ||
| Average total assets | $114,176,000 | 4,443 |
| Average earning assets | $100,258,500 | 4,552 |
| Average equity | $11,459,500 | 4,595 |
| Average total loans | $40,521,000 | 5,377 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 4,132 |
| Cost of funding earning assets | 0.7291% | 1,848 |
| Net interest margin | 3.2662% | 4,706 |
| Noninterest income to average assets | 0.3899% | 4,595 |
| Noninterest expense to average assets | 1.9322% | 6,171 |
| Loan and lease loss provision to assets | 0.0621% | 3,769 |
| Net operating income to assets | 1.2473% | 1,466 |
| Return on assets (ROA) | 1.3232% | 1,345 |
| Pretax return on assets | 1.3232% | 2,220 |
| Return on Equity (ROE) | 12.7208% | 1,314 |
| Retained earnings to average equity (ytd only) | 9.4369% | 983 |
| Net charge-offs to loans | 0.4538% | 1,446 |
| Credit loss provision to net charge-offs | 39.5604% | 3,427 |
| Earnings coverage of net charge-offs (x) | 8.3407% | 2,411 |
| Efficiency ratio | 59.6062% | 5,526 |
| Assets per employee ($millions) | 6.0059% | 1,196 |
| Cash dividends to net income (ytd only)* | 25.8149% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 3,695 |
| Loan loss allowance to noncurrent loans | 86.8383% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 2.5440% | 1,655 |
| Noncurrent loans to loans | 1.6998% | 2,764 |
| Net loans and leases to total assets | 35.5055% | 6,328 |
| Net loans and leases to deposits | 40.7139% | 6,379 |
| Net loans and leases to core deposits | 42.2059% | 6,395 |
| Total domestic deposits to total assets | 87.2073% | 2,707 |
| Equity capital to assets | 10.0761% | 3,824 |
| Core capital (leverage) ratio | 9.3884% | 4,404 |
| Tier 1 risk-based capital ratio | 14.0465% | 4,385 |
| Total risk-based capital ratio | 14.8200% | 4,690 |
| Memoranda: | ||
| Average total assets | $115,932,000 | 4,443 |
| Average earning assets | $101,219,000 | 4,539 |
| Average equity | $12,059,000 | 4,519 |
| Average total loans | $40,110,000 | 5,422 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9820% | 4,191 |
| Cost of funding earning assets | 0.7649% | 1,749 |
| Net interest margin | 3.2172% | 4,858 |
| Noninterest income to average assets | 0.4314% | 4,242 |
| Noninterest expense to average assets | 2.0746% | 5,965 |
| Loan and lease loss provision to assets | 0.0616% | 3,605 |
| Net operating income to assets | 1.0886% | 1,903 |
| Return on assets (ROA) | 1.0921% | 1,993 |
| Pretax return on assets | 1.0921% | 2,985 |
| Return on Equity (ROE) | 10.3408% | 1,936 |
| Retained earnings to average equity (ytd only) | 10.0166% | 1,101 |
| Net charge-offs to loans | 0.5050% | 1,192 |
| Credit loss provision to net charge-offs | 36.0000% | 2,800 |
| Earnings coverage of net charge-offs (x) | 6.7200% | 2,176 |
| Efficiency ratio | 64.3312% | 4,955 |
| Assets per employee ($millions) | 6.3073% | 1,070 |
| Cash dividends to net income (ytd only)* | 3.1348% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 3,228 |
| Loan loss allowance to noncurrent loans | 78.9474% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 2.5067% | 1,840 |
| Noncurrent loans to loans | 2.0799% | 2,533 |
| Net loans and leases to total assets | 31.4908% | 6,537 |
| Net loans and leases to deposits | 36.1728% | 6,565 |
| Net loans and leases to core deposits | 37.3418% | 6,584 |
| Total domestic deposits to total assets | 87.0567% | 2,927 |
| Equity capital to assets | 10.4274% | 3,636 |
| Core capital (leverage) ratio | 9.0746% | 4,760 |
| Tier 1 risk-based capital ratio | 14.0546% | 4,470 |
| Total risk-based capital ratio | 14.8773% | 4,744 |
| Memoranda: | ||
| Average total assets | $116,842,000 | 4,465 |
| Average earning assets | $101,456,000 | 4,578 |
| Average equity | $12,339,500 | 4,506 |
| Average total loans | $39,603,500 | 5,482 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 3,341 |
| Cost of funding earning assets | 1.0414% | 1,160 |
| Net interest margin | 3.4733% | 4,610 |
| Noninterest income to average assets | 0.4201% | 4,456 |
| Noninterest expense to average assets | 2.6996% | 4,401 |
| Loan and lease loss provision to assets | 0.0611% | 5,012 |
| Net operating income to assets | 0.4498% | 4,886 |
| Return on assets (ROA) | 0.4533% | 5,115 |
| Pretax return on assets | 0.4533% | 5,415 |
| Return on Equity (ROE) | 4.2990% | 5,022 |
| Retained earnings to average equity (ytd only) | 0.9360% | 5,403 |
| Net charge-offs to loans | 0.1343% | 4,339 |
| Credit loss provision to net charge-offs | 127.2727% | 2,216 |
| Earnings coverage of net charge-offs (x) | 10.6364% | 2,123 |
| Efficiency ratio | 84.0860% | 1,625 |
| Assets per employee ($millions) | 5.9919% | 1,284 |
| Cash dividends to net income (ytd only)* | 78.2274% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6210% | 3,216 |
| Loan loss allowance to noncurrent loans | 115.1304% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 2.5895% | 1,876 |
| Noncurrent loans to loans | 1.4080% | 3,486 |
| Net loans and leases to total assets | 35.2907% | 6,478 |
| Net loans and leases to deposits | 40.7186% | 6,517 |
| Net loans and leases to core deposits | 43.3161% | 6,493 |
| Total domestic deposits to total assets | 86.6697% | 3,017 |
| Equity capital to assets | 10.7013% | 3,282 |
| Core capital (leverage) ratio | 8.9454% | 4,976 |
| Tier 1 risk-based capital ratio | 13.8078% | 4,532 |
| Total risk-based capital ratio | 14.6821% | 4,755 |
| Memoranda: | ||
| Average total assets | $114,496,400 | 4,477 |
| Average earning assets | $91,987,600 | 4,810 |
| Average equity | $12,072,600 | 4,555 |
| Average total loans | $40,967,400 | 5,461 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 3,503 |
| Cost of funding earning assets | 1.0706% | 1,192 |
| Net interest margin | 3.4634% | 4,794 |
| Noninterest income to average assets | 0.4256% | 4,434 |
| Noninterest expense to average assets | 2.2757% | 5,753 |
| Loan and lease loss provision to assets | 0.0814% | 4,615 |
| Net operating income to assets | 0.8221% | 3,330 |
| Return on assets (ROA) | 0.8268% | 3,559 |
| Pretax return on assets | 0.8268% | 4,391 |
| Return on Equity (ROE) | 7.8703% | 3,338 |
| Retained earnings to average equity (ytd only) | 5.9442% | 2,733 |
| Net charge-offs to loans | 0.4553% | 2,278 |
| Credit loss provision to net charge-offs | 50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | 5.5500% | 2,994 |
| Efficiency ratio | 71.5801% | 3,404 |
| Assets per employee ($millions) | 6.1356% | 1,165 |
| Cash dividends to net income (ytd only)* | 24.4720% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 4,123 |
| Loan loss allowance to noncurrent loans | 162.5352% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 2.4182% | 2,195 |
| Noncurrent loans to loans | 0.8969% | 4,639 |
| Net loans and leases to total assets | 33.4580% | 6,685 |
| Net loans and leases to deposits | 38.6603% | 6,730 |
| Net loans and leases to core deposits | 41.2222% | 6,695 |
| Total domestic deposits to total assets | 86.5435% | 2,956 |
| Equity capital to assets | 10.8890% | 3,395 |
| Core capital (leverage) ratio | 9.2680% | 4,648 |
| Tier 1 risk-based capital ratio | 14.5788% | 4,132 |
| Total risk-based capital ratio | 15.3521% | 4,416 |
| Memoranda: | ||
| Average total assets | $114,659,000 | 4,521 |
| Average earning assets | $91,159,750 | 4,882 |
| Average equity | $12,045,000 | 4,605 |
| Average total loans | $40,999,500 | 5,523 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5702% | 3,482 |
| Cost of funding earning assets | 1.0960% | 1,235 |
| Net interest margin | 3.4742% | 4,786 |
| Noninterest income to average assets | 0.4175% | 4,524 |
| Noninterest expense to average assets | 2.2838% | 5,782 |
| Loan and lease loss provision to assets | 0.1052% | 4,209 |
| Net operating income to assets | 0.7753% | 3,487 |
| Return on assets (ROA) | 0.7806% | 3,732 |
| Pretax return on assets | 0.7806% | 4,542 |
| Return on Equity (ROE) | 7.5241% | 3,494 |
| Retained earnings to average equity (ytd only) | 5.2753% | 3,114 |
| Net charge-offs to loans | 0.6414% | 1,715 |
| Credit loss provision to net charge-offs | 45.1128% | 4,145 |
| Earnings coverage of net charge-offs (x) | 3.7744% | 3,273 |
| Efficiency ratio | 72.1729% | 3,402 |
| Assets per employee ($millions) | 6.1318% | 1,150 |
| Cash dividends to net income (ytd only)* | 29.8876% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 4,247 |
| Loan loss allowance to noncurrent loans | 119.0871% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 2.5287% | 2,214 |
| Noncurrent loans to loans | 1.2177% | 4,113 |
| Net loans and leases to total assets | 33.4830% | 6,750 |
| Net loans and leases to deposits | 38.5838% | 6,777 |
| Net loans and leases to core deposits | 41.1231% | 6,770 |
| Total domestic deposits to total assets | 86.7799% | 2,904 |
| Equity capital to assets | 10.7001% | 3,457 |
| Core capital (leverage) ratio | 9.2276% | 4,562 |
| Tier 1 risk-based capital ratio | 14.6997% | 3,967 |
| Total risk-based capital ratio | 15.4917% | 4,243 |
| Memoranda: | ||
| Average total assets | $114,020,000 | 4,566 |
| Average earning assets | $90,150,000 | 4,928 |
| Average equity | $11,828,670 | 4,645 |
| Average total loans | $41,472,330 | 5,533 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 3,465 |
| Cost of funding earning assets | 1.1110% | 1,343 |
| Net interest margin | 3.4973% | 4,718 |
| Noninterest income to average assets | 0.4646% | 4,189 |
| Noninterest expense to average assets | 2.2770% | 5,830 |
| Loan and lease loss provision to assets | 0.1064% | 4,016 |
| Net operating income to assets | 0.8725% | 3,041 |
| Return on assets (ROA) | 0.8725% | 3,265 |
| Pretax return on assets | 0.8725% | 4,140 |
| Return on Equity (ROE) | 8.5491% | 3,033 |
| Retained earnings to average equity (ytd only) | 6.9157% | 2,476 |
| Net charge-offs to loans | 0.0566% | 3,932 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 672 |
| Efficiency ratio | 69.9346% | 3,826 |
| Assets per employee ($millions) | 6.0378% | 1,263 |
| Cash dividends to net income (ytd only)* | 19.1057% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 3,646 |
| Loan loss allowance to noncurrent loans | 30.4170% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 2.5279% | 2,346 |
| Noncurrent loans to loans | 5.3230% | 1,022 |
| Net loans and leases to total assets | 35.5408% | 6,652 |
| Net loans and leases to deposits | 40.6553% | 6,708 |
| Net loans and leases to core deposits | 42.6704% | 6,713 |
| Total domestic deposits to total assets | 87.4197% | 2,707 |
| Equity capital to assets | 10.1056% | 3,988 |
| Core capital (leverage) ratio | 9.1727% | 4,564 |
| Tier 1 risk-based capital ratio | 14.8213% | 3,878 |
| Total risk-based capital ratio | 15.7648% | 4,053 |
| Memoranda: | ||
| Average total assets | $112,778,000 | 4,627 |
| Average earning assets | $90,013,000 | 4,968 |
| Average equity | $11,510,000 | 4,726 |
| Average total loans | $42,417,000 | 5,537 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 2,881 |
| Cost of funding earning assets | 1.2024% | 2,010 |
| Net interest margin | 3.7976% | 3,826 |
| Noninterest income to average assets | 0.4757% | 4,025 |
| Noninterest expense to average assets | 2.8604% | 4,126 |
| Loan and lease loss provision to assets | 0.1110% | 5,201 |
| Net operating income to assets | 0.6432% | 3,774 |
| Return on assets (ROA) | 0.6561% | 3,905 |
| Pretax return on assets | 0.6561% | 4,494 |
| Return on Equity (ROE) | 6.7582% | 3,516 |
| Retained earnings to average equity (ytd only) | 0.6386% | 5,548 |
| Net charge-offs to loans | 0.1357% | 5,055 |
| Credit loss provision to net charge-offs | 196.7213% | 1,289 |
| Earnings coverage of net charge-offs (x) | 13.3607% | 1,548 |
| Efficiency ratio | 79.1347% | 2,422 |
| Assets per employee ($millions) | 5.8335% | 1,342 |
| Cash dividends to net income (ytd only)* | 90.5501% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 4,066 |
| Loan loss allowance to noncurrent loans | 28.6283% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 3.0170% | 1,994 |
| Noncurrent loans to loans | 5.2085% | 1,052 |
| Net loans and leases to total assets | 38.5647% | 6,627 |
| Net loans and leases to deposits | 44.2388% | 6,712 |
| Net loans and leases to core deposits | 46.0951% | 6,734 |
| Total domestic deposits to total assets | 87.1740% | 2,659 |
| Equity capital to assets | 10.3097% | 3,772 |
| Core capital (leverage) ratio | 9.3207% | 4,296 |
| Tier 1 risk-based capital ratio | 14.5292% | 3,955 |
| Total risk-based capital ratio | 15.4382% | 4,137 |
| Memoranda: | ||
| Average total assets | $108,060,000 | 4,689 |
| Average earning assets | $89,318,400 | 4,952 |
| Average equity | $10,491,000 | 4,906 |
| Average total loans | $44,943,200 | 5,473 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0596% | 2,807 |
| Cost of funding earning assets | 1.2212% | 2,183 |
| Net interest margin | 3.8384% | 3,678 |
| Noninterest income to average assets | 0.4880% | 3,971 |
| Noninterest expense to average assets | 2.3880% | 5,796 |
| Loan and lease loss provision to assets | 0.1118% | 5,032 |
| Net operating income to assets | 1.1810% | 1,710 |
| Return on assets (ROA) | 1.1897% | 1,797 |
| Pretax return on assets | 1.1897% | 2,669 |
| Return on Equity (ROE) | 12.4530% | 1,429 |
| Retained earnings to average equity (ytd only) | 7.1364% | 1,895 |
| Net charge-offs to loans | 0.0941% | 5,035 |
| Credit loss provision to net charge-offs | 281.2500% | 1,021 |
| Earnings coverage of net charge-offs (x) | 32.5280% | 881 |
| Efficiency ratio | 64.8785% | 4,922 |
| Assets per employee ($millions) | 5.7478% | 1,396 |
| Cash dividends to net income (ytd only)* | 42.6932% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 4,312 |
| Loan loss allowance to noncurrent loans | 33.5062% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 2.8826% | 2,246 |
| Noncurrent loans to loans | 4.3451% | 1,501 |
| Net loans and leases to total assets | 40.0392% | 6,625 |
| Net loans and leases to deposits | 46.1298% | 6,735 |
| Net loans and leases to core deposits | 48.2760% | 6,749 |
| Total domestic deposits to total assets | 86.7968% | 2,774 |
| Equity capital to assets | 10.6476% | 3,515 |
| Core capital (leverage) ratio | 9.9048% | 3,565 |
| Tier 1 risk-based capital ratio | 15.3271% | 3,478 |
| Total risk-based capital ratio | 16.2419% | 3,636 |
| Memoranda: | ||
| Average total assets | $107,365,750 | 4,732 |
| Average earning assets | $89,306,250 | 4,976 |
| Average equity | $10,257,000 | 4,977 |
| Average total loans | $45,331,250 | 5,497 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1351% | 2,531 |
| Cost of funding earning assets | 1.2420% | 2,306 |
| Net interest margin | 3.8931% | 3,348 |
| Noninterest income to average assets | 0.4777% | 4,043 |
| Noninterest expense to average assets | 2.3550% | 5,981 |
| Loan and lease loss provision to assets | 0.1124% | 4,890 |
| Net operating income to assets | 1.2403% | 1,463 |
| Return on assets (ROA) | 1.2496% | 1,518 |
| Pretax return on assets | 1.2496% | 2,311 |
| Return on Equity (ROE) | 13.6122% | 1,067 |
| Retained earnings to average equity (ytd only) | 7.5102% | 1,654 |
| Net charge-offs to loans | 0.0832% | 4,809 |
| Credit loss provision to net charge-offs | 315.7895% | 964 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 771 |
| Efficiency ratio | 63.5169% | 5,332 |
| Assets per employee ($millions) | 5.7507% | 1,343 |
| Cash dividends to net income (ytd only)* | 44.8276% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 4,613 |
| Loan loss allowance to noncurrent loans | 152.6699% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 1.4936% | 3,966 |
| Noncurrent loans to loans | 0.9120% | 5,142 |
| Net loans and leases to total assets | 40.7691% | 6,684 |
| Net loans and leases to deposits | 46.5276% | 6,804 |
| Net loans and leases to core deposits | 48.9775% | 6,807 |
| Total domestic deposits to total assets | 87.6236% | 2,388 |
| Equity capital to assets | 9.8578% | 4,323 |
| Core capital (leverage) ratio | 9.7511% | 3,597 |
| Tier 1 risk-based capital ratio | 14.9504% | 3,517 |
| Total risk-based capital ratio | 15.4126% | 4,021 |
| Memoranda: | ||
| Average total assets | $106,751,670 | 4,784 |
| Average earning assets | $88,566,330 | 5,035 |
| Average equity | $9,800,000 | 5,100 |
| Average total loans | $45,651,000 | 5,533 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1674% | 2,364 |
| Cost of funding earning assets | 1.2621% | 2,416 |
| Net interest margin | 3.9052% | 3,111 |
| Noninterest income to average assets | 0.4777% | 4,068 |
| Noninterest expense to average assets | 2.3356% | 6,090 |
| Loan and lease loss provision to assets | 0.1137% | 4,593 |
| Net operating income to assets | 1.2664% | 1,349 |
| Return on assets (ROA) | 1.2664% | 1,401 |
| Pretax return on assets | 1.2664% | 2,144 |
| Return on Equity (ROE) | 14.3432% | 928 |
| Retained earnings to average equity (ytd only) | 10.2636% | 1,061 |
| Net charge-offs to loans | -0.0262% | 6,662 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8571% | 5,545 |
| Assets per employee ($millions) | 5.7259% | 1,391 |
| Cash dividends to net income (ytd only)* | 28.4431% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 4,836 |
| Loan loss allowance to noncurrent loans | 154.8628% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 1.4900% | 4,025 |
| Noncurrent loans to loans | 0.8807% | 5,288 |
| Net loans and leases to total assets | 41.2824% | 6,688 |
| Net loans and leases to deposits | 46.5419% | 6,819 |
| Net loans and leases to core deposits | 48.2328% | 6,866 |
| Total domestic deposits to total assets | 88.6995% | 1,959 |
| Equity capital to assets | 8.8573% | 5,409 |
| Core capital (leverage) ratio | 9.8135% | 3,371 |
| Tier 1 risk-based capital ratio | 14.6427% | 3,646 |
| Total risk-based capital ratio | 15.5076% | 3,862 |
| Memoranda: | ||
| Average total assets | $105,495,500 | 4,850 |
| Average earning assets | $87,472,000 | 5,111 |
| Average equity | $9,314,500 | 5,230 |
| Average total loans | $45,889,000 | 5,565 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9506% | 4,779 |
| Cost of funding earning assets | 1.3011% | 3,874 |
| Net interest margin | 3.6495% | 4,575 |
| Noninterest income to average assets | 0.5012% | 4,156 |
| Noninterest expense to average assets | 3.1913% | 3,129 |
| Loan and lease loss provision to assets | 0.1196% | 5,963 |
| Net operating income to assets | 0.4071% | 4,514 |
| Return on assets (ROA) | 0.4464% | 4,496 |
| Pretax return on assets | 0.4673% | 4,736 |
| Return on Equity (ROE) | 4.4677% | 4,312 |
| Retained earnings to average equity (ytd only) | -3.0117% | 6,097 |
| Net charge-offs to loans | 0.0970% | 5,880 |
| Credit loss provision to net charge-offs | 266.6667% | 1,043 |
| Earnings coverage of net charge-offs (x) | 12.1778% | 1,534 |
| Efficiency ratio | 85.3906% | 1,760 |
| Assets per employee ($millions) | 5.3789% | 1,692 |
| Cash dividends to net income (ytd only)* | 167.4107% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 5,155 |
| Loan loss allowance to noncurrent loans | 64.8291% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 2.0969% | 3,228 |
| Noncurrent loans to loans | 1.9613% | 3,620 |
| Net loans and leases to total assets | 44.6746% | 6,658 |
| Net loans and leases to deposits | 50.3974% | 6,835 |
| Net loans and leases to core deposits | 52.2122% | 6,897 |
| Total domestic deposits to total assets | 88.6447% | 1,861 |
| Equity capital to assets | 8.7995% | 5,433 |
| Core capital (leverage) ratio | 10.0432% | 3,039 |
| Tier 1 risk-based capital ratio | 14.5240% | 3,527 |
| Total risk-based capital ratio | 15.3553% | 3,766 |
| Memoranda: | ||
| Average total assets | $100,367,000 | 4,977 |
| Average earning assets | $88,998,800 | 5,050 |
| Average equity | $10,027,600 | 5,122 |
| Average total loans | $46,385,000 | 5,621 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9197% | 5,173 |
| Cost of funding earning assets | 1.3123% | 4,142 |
| Net interest margin | 3.6074% | 4,837 |
| Noninterest income to average assets | 0.5151% | 4,063 |
| Noninterest expense to average assets | 2.5262% | 5,618 |
| Loan and lease loss provision to assets | 0.1201% | 5,828 |
| Net operating income to assets | 1.0621% | 2,032 |
| Return on assets (ROA) | 1.0983% | 1,997 |
| Pretax return on assets | 1.1343% | 2,716 |
| Return on Equity (ROE) | 10.6677% | 1,885 |
| Retained earnings to average equity (ytd only) | 3.9793% | 3,680 |
| Net charge-offs to loans | 0.1005% | 5,519 |
| Credit loss provision to net charge-offs | 257.1429% | 1,285 |
| Earnings coverage of net charge-offs (x) | 26.0546% | 976 |
| Efficiency ratio | 67.4866% | 4,565 |
| Assets per employee ($millions) | 5.3267% | 1,798 |
| Cash dividends to net income (ytd only)* | 62.6970% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 5,405 |
| Loan loss allowance to noncurrent loans | 106.3670% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 2.1006% | 3,334 |
| Noncurrent loans to loans | 1.1439% | 4,949 |
| Net loans and leases to total assets | 45.5660% | 6,735 |
| Net loans and leases to deposits | 52.5880% | 6,862 |
| Net loans and leases to core deposits | 54.9327% | 6,915 |
| Total domestic deposits to total assets | 86.6472% | 2,719 |
| Equity capital to assets | 10.7325% | 3,250 |
| Core capital (leverage) ratio | 10.8318% | 2,388 |
| Tier 1 risk-based capital ratio | 16.2075% | 2,667 |
| Total risk-based capital ratio | 17.0533% | 2,807 |
| Memoranda: | ||
| Average total assets | $99,909,000 | 5,050 |
| Average earning assets | $89,406,250 | 5,095 |
| Average equity | $10,286,250 | 5,108 |
| Average total loans | $46,420,000 | 5,711 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 5,017 |
| Cost of funding earning assets | 1.3307% | 4,328 |
| Net interest margin | 3.6527% | 4,568 |
| Noninterest income to average assets | 0.4825% | 4,260 |
| Noninterest expense to average assets | 2.5192% | 5,650 |
| Loan and lease loss provision to assets | 0.1206% | 5,695 |
| Net operating income to assets | 1.0530% | 2,007 |
| Return on assets (ROA) | 1.1018% | 1,916 |
| Pretax return on assets | 1.1380% | 2,640 |
| Return on Equity (ROE) | 10.8576% | 1,791 |
| Retained earnings to average equity (ytd only) | 2.4172% | 4,623 |
| Net charge-offs to loans | 0.1597% | 4,667 |
| Credit loss provision to net charge-offs | 162.1622% | 2,432 |
| Earnings coverage of net charge-offs (x) | 16.2432% | 1,409 |
| Efficiency ratio | 67.5836% | 4,659 |
| Assets per employee ($millions) | 5.2479% | 1,868 |
| Cash dividends to net income (ytd only)* | 77.7372% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 5,707 |
| Loan loss allowance to noncurrent loans | 85.0794% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 2.2686% | 3,167 |
| Noncurrent loans to loans | 1.3474% | 4,694 |
| Net loans and leases to total assets | 46.3540% | 6,757 |
| Net loans and leases to deposits | 53.2783% | 6,907 |
| Net loans and leases to core deposits | 55.4642% | 6,970 |
| Total domestic deposits to total assets | 87.0034% | 2,525 |
| Equity capital to assets | 10.3760% | 3,551 |
| Core capital (leverage) ratio | 10.5978% | 2,545 |
| Tier 1 risk-based capital ratio | 16.5737% | 2,448 |
| Total risk-based capital ratio | 17.4040% | 2,565 |
| Memoranda: | ||
| Average total assets | $99,476,330 | 5,094 |
| Average earning assets | $88,372,000 | 5,158 |
| Average equity | $10,094,330 | 5,169 |
| Average total loans | $46,332,000 | 5,745 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9748% | 5,138 |
| Cost of funding earning assets | 1.3387% | 4,571 |
| Net interest margin | 3.6361% | 4,555 |
| Noninterest income to average assets | 0.4911% | 4,118 |
| Noninterest expense to average assets | 2.6087% | 5,324 |
| Loan and lease loss provision to assets | 0.1208% | 5,377 |
| Net operating income to assets | 0.9631% | 2,322 |
| Return on assets (ROA) | 0.9863% | 2,295 |
| Pretax return on assets | 1.0226% | 3,000 |
| Return on Equity (ROE) | 9.8310% | 2,161 |
| Retained earnings to average equity (ytd only) | 2.4076% | 4,695 |
| Net charge-offs to loans | 0.0173% | 5,337 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 238 |
| Efficiency ratio | 69.9784% | 4,302 |
| Assets per employee ($millions) | 5.3530% | 1,820 |
| Cash dividends to net income (ytd only)* | 75.5102% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 5,578 |
| Loan loss allowance to noncurrent loans | 153.6932% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 1.9114% | 3,617 |
| Noncurrent loans to loans | 0.7703% | 5,787 |
| Net loans and leases to total assets | 44.3962% | 6,963 |
| Net loans and leases to deposits | 50.7274% | 7,095 |
| Net loans and leases to core deposits | 52.5897% | 7,171 |
| Total domestic deposits to total assets | 87.5190% | 2,348 |
| Equity capital to assets | 10.0052% | 3,871 |
| Core capital (leverage) ratio | 10.6243% | 2,519 |
| Tier 1 risk-based capital ratio | 17.1844% | 2,204 |
| Total risk-based capital ratio | 18.0585% | 2,290 |
| Memoranda: | ||
| Average total assets | $99,359,000 | 5,167 |
| Average earning assets | $88,446,500 | 5,215 |
| Average equity | $9,968,500 | 5,244 |
| Average total loans | $46,120,000 | 5,830 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3985% | 4,705 |
| Cost of funding earning assets | 1.5487% | 5,290 |
| Net interest margin | 3.8498% | 3,483 |
| Noninterest income to average assets | 0.4867% | 4,514 |
| Noninterest expense to average assets | 2.9891% | 4,186 |
| Loan and lease loss provision to assets | 0.1194% | 6,450 |
| Net operating income to assets | 0.7262% | 2,827 |
| Return on assets (ROA) | 0.7376% | 2,865 |
| Pretax return on assets | 0.7724% | 3,332 |
| Return on Equity (ROE) | 7.3594% | 2,641 |
| Retained earnings to average equity (ytd only) | 1.1719% | 4,224 |
| Net charge-offs to loans | 0.3408% | 4,523 |
| Credit loss provision to net charge-offs | 75.0000% | 6,395 |
| Earnings coverage of net charge-offs (x) | 5.5250% | 2,569 |
| Efficiency ratio | 77.2575% | 3,316 |
| Assets per employee ($millions) | 5.1058% | 2,077 |
| Cash dividends to net income (ytd only)* | 84.0756% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 5,890 |
| Loan loss allowance to noncurrent loans | 94.1284% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 2.2853% | 3,025 |
| Noncurrent loans to loans | 1.1709% | 4,989 |
| Net loans and leases to total assets | 47.4503% | 6,854 |
| Net loans and leases to deposits | 54.3016% | 7,032 |
| Net loans and leases to core deposits | 64.2474% | 7,075 |
| Total domestic deposits to total assets | 87.3829% | 2,275 |
| Equity capital to assets | 10.0617% | 3,677 |
| Core capital (leverage) ratio | 10.7624% | 2,378 |
| Tier 1 risk-based capital ratio | 17.4852% | 2,029 |
| Total risk-based capital ratio | 18.3333% | 2,094 |
| Memoranda: | ||
| Average total assets | $100,464,000 | 5,078 |
| Average earning assets | $88,264,800 | 5,182 |
| Average equity | $10,068,800 | 5,280 |
| Average total loans | $46,953,400 | 5,811 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3983% | 4,959 |
| Cost of funding earning assets | 1.5901% | 5,452 |
| Net interest margin | 3.8082% | 3,620 |
| Noninterest income to average assets | 0.4895% | 4,585 |
| Noninterest expense to average assets | 2.4132% | 6,376 |
| Loan and lease loss provision to assets | 0.1184% | 6,181 |
| Net operating income to assets | 1.2623% | 1,313 |
| Return on assets (ROA) | 1.2750% | 1,347 |
| Pretax return on assets | 1.3145% | 1,922 |
| Return on Equity (ROE) | 12.7341% | 1,166 |
| Retained earnings to average equity (ytd only) | 8.0951% | 1,110 |
| Net charge-offs to loans | 0.4024% | 3,646 |
| Credit loss provision to net charge-offs | 63.3803% | 6,115 |
| Earnings coverage of net charge-offs (x) | 7.5985% | 2,382 |
| Efficiency ratio | 62.9591% | 5,935 |
| Assets per employee ($millions) | 5.1715% | 1,934 |
| Cash dividends to net income (ytd only)* | 36.4289% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 5,905 |
| Loan loss allowance to noncurrent loans | 83.6394% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 2.5250% | 2,743 |
| Noncurrent loans to loans | 1.2785% | 4,805 |
| Net loans and leases to total assets | 47.1707% | 7,020 |
| Net loans and leases to deposits | 54.3849% | 7,183 |
| Net loans and leases to core deposits | 64.0649% | 7,248 |
| Total domestic deposits to total assets | 86.7349% | 2,308 |
| Equity capital to assets | 10.7116% | 3,279 |
| Core capital (leverage) ratio | 11.1340% | 2,309 |
| Tier 1 risk-based capital ratio | 18.3635% | 1,896 |
| Total risk-based capital ratio | 19.1942% | 1,953 |
| Memoranda: | ||
| Average total assets | $101,327,250 | 5,089 |
| Average earning assets | $88,963,500 | 5,195 |
| Average equity | $10,145,750 | 5,299 |
| Average total loans | $47,055,500 | 5,846 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 5,050 |
| Cost of funding earning assets | 1.6290% | 5,618 |
| Net interest margin | 3.7882% | 3,598 |
| Noninterest income to average assets | 0.4690% | 4,718 |
| Noninterest expense to average assets | 2.2941% | 6,769 |
| Loan and lease loss provision to assets | 0.1172% | 5,961 |
| Net operating income to assets | 1.3273% | 1,167 |
| Return on assets (ROA) | 1.3444% | 1,202 |
| Pretax return on assets | 1.3835% | 1,775 |
| Return on Equity (ROE) | 13.7335% | 1,039 |
| Retained earnings to average equity (ytd only) | 8.5834% | 1,046 |
| Net charge-offs to loans | 0.0424% | 5,870 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 75.9000% | 506 |
| Efficiency ratio | 60.7346% | 6,439 |
| Assets per employee ($millions) | 5.3116% | 1,763 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 4,577 |
| Loan loss allowance to noncurrent loans | 36.0646% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 2.8181% | 2,279 |
| Noncurrent loans to loans | 3.4770% | 2,023 |
| Net loans and leases to total assets | 47.0511% | 7,122 |
| Net loans and leases to deposits | 53.5961% | 7,300 |
| Net loans and leases to core deposits | 64.2240% | 7,293 |
| Total domestic deposits to total assets | 87.7883% | 1,881 |
| Equity capital to assets | 9.7275% | 4,309 |
| Core capital (leverage) ratio | 10.7924% | 2,572 |
| Tier 1 risk-based capital ratio | 17.4090% | 2,172 |
| Total risk-based capital ratio | 18.3731% | 2,208 |
| Memoranda: | ||
| Average total assets | $102,350,330 | 5,089 |
| Average earning assets | $89,382,670 | 5,221 |
| Average equity | $10,019,330 | 5,355 |
| Average total loans | $47,124,000 | 5,884 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5264% | 4,777 |
| Cost of funding earning assets | 1.6646% | 5,763 |
| Net interest margin | 3.8618% | 3,206 |
| Noninterest income to average assets | 0.4929% | 4,388 |
| Noninterest expense to average assets | 2.3674% | 6,310 |
| Loan and lease loss provision to assets | 0.1164% | 5,479 |
| Net operating income to assets | 1.3471% | 1,270 |
| Return on assets (ROA) | 1.3584% | 1,327 |
| Pretax return on assets | 1.3972% | 1,973 |
| Return on Equity (ROE) | 13.8333% | 1,198 |
| Retained earnings to average equity (ytd only) | 9.6833% | 1,284 |
| Net charge-offs to loans | -0.0943% | 7,862 |
| Credit loss provision to net charge-offs | -272.7273% | 6,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1836% | 6,220 |
| Assets per employee ($millions) | 5.5317% | 1,527 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 4,305 |
| Loan loss allowance to noncurrent loans | 41.3937% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 2.4100% | 2,380 |
| Noncurrent loans to loans | 3.0570% | 2,131 |
| Net loans and leases to total assets | 44.0972% | 7,331 |
| Net loans and leases to deposits | 50.1694% | 7,485 |
| Net loans and leases to core deposits | 58.7534% | 7,505 |
| Total domestic deposits to total assets | 87.8965% | 1,790 |
| Equity capital to assets | 9.7753% | 4,269 |
| Core capital (leverage) ratio | 10.4419% | 2,990 |
| Tier 1 risk-based capital ratio | 17.0563% | 2,320 |
| Total risk-based capital ratio | 18.0028% | 2,352 |
| Memoranda: | ||
| Average total assets | $103,065,500 | 5,094 |
| Average earning assets | $90,113,000 | 5,217 |
| Average equity | $10,120,500 | 5,347 |
| Average total loans | $46,642,500 | 5,933 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0478% | 5,310 |
| Cost of funding earning assets | 2.3887% | 4,770 |
| Net interest margin | 3.6591% | 4,644 |
| Noninterest income to average assets | 0.4733% | 4,850 |
| Noninterest expense to average assets | 2.7381% | 5,098 |
| Loan and lease loss provision to assets | 0.2138% | 4,754 |
| Net operating income to assets | 0.7367% | 3,732 |
| Return on assets (ROA) | 0.7705% | 3,410 |
| Pretax return on assets | 0.8113% | 4,030 |
| Return on Equity (ROE) | 7.7228% | 3,188 |
| Retained earnings to average equity (ytd only) | 2.8259% | 3,417 |
| Net charge-offs to loans | 0.7867% | 1,581 |
| Credit loss provision to net charge-offs | 57.2207% | 6,261 |
| Earnings coverage of net charge-offs (x) | 2.6485% | 4,762 |
| Efficiency ratio | 73.4571% | 3,669 |
| Assets per employee ($millions) | 5.3173% | 1,626 |
| Cash dividends to net income (ytd only)* | 63.4082% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 4,587 |
| Loan loss allowance to noncurrent loans | 45.9302% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 2.2944% | 2,121 |
| Noncurrent loans to loans | 2.5980% | 2,086 |
| Net loans and leases to total assets | 45.3246% | 7,386 |
| Net loans and leases to deposits | 51.6916% | 7,549 |
| Net loans and leases to core deposits | 61.3524% | 7,527 |
| Total domestic deposits to total assets | 87.6827% | 1,615 |
| Equity capital to assets | 9.8655% | 4,200 |
| Core capital (leverage) ratio | 10.4970% | 2,981 |
| Tier 1 risk-based capital ratio | 17.0983% | 2,280 |
| Total risk-based capital ratio | 18.0023% | 2,334 |
| Memoranda: | ||
| Average total assets | $98,242,800 | 5,108 |
| Average earning assets | $87,370,800 | 5,170 |
| Average equity | $9,802,200 | 5,477 |
| Average total loans | $46,652,000 | 5,839 |