Home > Security State Bank, Wishek, North Dakota > Performance and Condition Ratios
Security State Bank, Wishek, North Dakota, Performance and Condition Ratios
| 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 | 1.9052% | 4,854 |
| Cost of funding earning assets | 0.2841% | 3,156 |
| Net interest margin | 1.6211% | 4,862 |
| Noninterest income to average assets | 0.8581% | 1,435 |
| Noninterest expense to average assets | 1.4101% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0112% | 2,781 |
| Return on assets (ROA) | 1.0112% | 2,863 |
| Pretax return on assets | 1.0112% | 3,341 |
| Return on Equity (ROE) | 11.3748% | 2,237 |
| Retained earnings to average equity (ytd only) | 11.3748% | 1,304 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2363% | 3,269 |
| Assets per employee ($millions) | 9.2378% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 3,121 |
| Loan loss allowance to noncurrent loans | 141.1458% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 3,218 |
| Noncurrent loans to loans | 0.8254% | 1,622 |
| Net loans and leases to total assets | 22.6244% | 4,829 |
| Net loans and leases to deposits | 27.1323% | 4,825 |
| Net loans and leases to core deposits | 28.3740% | 4,829 |
| Total domestic deposits to total assets | 83.3855% | 3,591 |
| Equity capital to assets | 8.7201% | 3,945 |
| Core capital (leverage) ratio | 8.7227% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1098% | 671 |
| Memoranda: | ||
| Average total assets | $99,285,500 | 4,083 |
| Average earning assets | $95,739,000 | 4,027 |
| Average equity | $8,826,500 | 4,355 |
| Average total loans | $22,751,500 | 4,642 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6504% | 4,806 |
| Cost of funding earning assets | 0.4554% | 3,254 |
| Net interest margin | 2.1950% | 4,763 |
| Noninterest income to average assets | 0.2054% | 4,242 |
| Noninterest expense to average assets | 1.7553% | 4,538 |
| Loan and lease loss provision to assets | -0.2008% | 4,982 |
| Net operating income to assets | 0.7629% | 3,230 |
| Return on assets (ROA) | 0.7629% | 3,353 |
| Pretax return on assets | 0.7629% | 3,730 |
| Return on Equity (ROE) | 7.8316% | 2,876 |
| Retained earnings to average equity (ytd only) | 7.8316% | 1,106 |
| Net charge-offs to loans | 0.0079% | 3,050 |
| Credit loss provision to net charge-offs | -8,750.0000% | 4,396 |
| Earnings coverage of net charge-offs (x) | 245.0000% | 407 |
| Efficiency ratio | 75.7426% | 1,261 |
| Assets per employee ($millions) | 7.4581% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,851 |
| Loan loss allowance to noncurrent loans | 2,258.3333% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 4,353 |
| Noncurrent loans to loans | 0.0540% | 4,075 |
| Net loans and leases to total assets | 22.6610% | 4,868 |
| Net loans and leases to deposits | 27.4391% | 4,864 |
| Net loans and leases to core deposits | 28.6521% | 4,867 |
| Total domestic deposits to total assets | 82.5868% | 3,516 |
| Equity capital to assets | 9.0681% | 3,996 |
| Core capital (leverage) ratio | 8.7609% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0123% | 659 |
| Memoranda: | ||
| Average total assets | $87,162,200 | 4,156 |
| Average earning assets | $83,874,200 | 4,101 |
| Average equity | $8,491,200 | 4,373 |
| Average total loans | $25,368,600 | 4,608 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8382% | 4,816 |
| Cost of funding earning assets | 0.4891% | 3,292 |
| Net interest margin | 2.3491% | 4,755 |
| Noninterest income to average assets | 0.2471% | 3,997 |
| Noninterest expense to average assets | 1.8037% | 4,491 |
| Loan and lease loss provision to assets | -0.2750% | 5,019 |
| Net operating income to assets | 0.9790% | 2,413 |
| Return on assets (ROA) | 0.9790% | 2,557 |
| Pretax return on assets | 0.9790% | 3,138 |
| Return on Equity (ROE) | 9.8540% | 2,067 |
| Retained earnings to average equity (ytd only) | 9.8540% | 795 |
| Net charge-offs to loans | 0.0102% | 2,738 |
| Credit loss provision to net charge-offs | -8,750.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | 223.5000% | 459 |
| Efficiency ratio | 71.9397% | 1,650 |
| Assets per employee ($millions) | 7.7087% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 3,370 |
| Loan loss allowance to noncurrent loans | 645.2381% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 4,219 |
| Noncurrent loans to loans | 0.1656% | 3,719 |
| Net loans and leases to total assets | 27.1199% | 4,867 |
| Net loans and leases to deposits | 33.0262% | 4,864 |
| Net loans and leases to core deposits | 34.5670% | 4,864 |
| Total domestic deposits to total assets | 82.1164% | 3,390 |
| Equity capital to assets | 9.5661% | 3,635 |
| Core capital (leverage) ratio | 8.9463% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2340% | 762 |
| Memoranda: | ||
| Average total assets | $84,714,000 | 4,193 |
| Average earning assets | $81,504,500 | 4,142 |
| Average equity | $8,416,000 | 4,403 |
| Average total loans | $26,150,250 | 4,622 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9814% | 4,850 |
| Cost of funding earning assets | 0.5248% | 3,385 |
| Net interest margin | 2.4566% | 4,756 |
| Noninterest income to average assets | 0.3191% | 3,555 |
| Noninterest expense to average assets | 1.8827% | 4,440 |
| Loan and lease loss provision to assets | -0.4262% | 5,054 |
| Net operating income to assets | 1.2226% | 1,576 |
| Return on assets (ROA) | 1.2226% | 1,700 |
| Pretax return on assets | 1.2226% | 2,286 |
| Return on Equity (ROE) | 12.1378% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.1378% | 443 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2727% | 1,919 |
| Assets per employee ($millions) | 7.1582% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,701 |
| Loan loss allowance to noncurrent loans | 4,533.3333% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 4,556 |
| Noncurrent loans to loans | 0.0214% | 4,407 |
| Net loans and leases to total assets | 29.7828% | 4,862 |
| Net loans and leases to deposits | 36.3071% | 4,855 |
| Net loans and leases to core deposits | 37.9876% | 4,854 |
| Total domestic deposits to total assets | 82.0304% | 3,361 |
| Equity capital to assets | 9.4319% | 3,722 |
| Core capital (leverage) ratio | 9.2685% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9482% | 912 |
| Memoranda: | ||
| Average total assets | $82,117,333 | 4,230 |
| Average earning assets | $78,889,333 | 4,181 |
| Average equity | $8,271,667 | 4,432 |
| Average total loans | $26,414,333 | 4,634 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3704% | 4,758 |
| Cost of funding earning assets | 0.5880% | 3,492 |
| Net interest margin | 2.7823% | 4,587 |
| Noninterest income to average assets | 0.1618% | 4,565 |
| Noninterest expense to average assets | 1.9048% | 4,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9237% | 2,443 |
| Return on assets (ROA) | 0.9237% | 2,549 |
| Pretax return on assets | 0.9237% | 3,067 |
| Return on Equity (ROE) | 8.8290% | 2,180 |
| Retained earnings to average equity (ytd only) | 8.8290% | 1,020 |
| Net charge-offs to loans | 0.0156% | 2,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 177.0000% | 374 |
| Efficiency ratio | 67.3432% | 2,763 |
| Assets per employee ($millions) | 6.4796% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7535% | 779 |
| Loan loss allowance to noncurrent loans | 2,980.0000% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 4,532 |
| Noncurrent loans to loans | 0.0588% | 4,313 |
| Net loans and leases to total assets | 32.2101% | 4,860 |
| Net loans and leases to deposits | 37.4354% | 4,884 |
| Net loans and leases to core deposits | 39.2352% | 4,885 |
| Total domestic deposits to total assets | 86.0421% | 1,983 |
| Equity capital to assets | 10.6012% | 3,229 |
| Core capital (leverage) ratio | 10.0901% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9468% | 753 |
| Memoranda: | ||
| Average total assets | $76,647,500 | 4,307 |
| Average earning assets | $73,464,000 | 4,268 |
| Average equity | $8,019,000 | 4,480 |
| Average total loans | $25,628,000 | 4,679 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6767% | 4,700 |
| Cost of funding earning assets | 0.5084% | 4,052 |
| Net interest margin | 3.1684% | 4,255 |
| Noninterest income to average assets | 0.1615% | 4,684 |
| Noninterest expense to average assets | 2.0494% | 4,451 |
| Loan and lease loss provision to assets | -0.4830% | 5,164 |
| Net operating income to assets | 1.6313% | 776 |
| Return on assets (ROA) | 1.6285% | 836 |
| Pretax return on assets | 1.6285% | 1,406 |
| Return on Equity (ROE) | 12.9844% | 1,171 |
| Retained earnings to average equity (ytd only) | -18.1232% | 5,129 |
| Net charge-offs to loans | 0.1080% | 1,647 |
| Credit loss provision to net charge-offs | -1,166.6667% | 4,541 |
| Earnings coverage of net charge-offs (x) | 27.7333% | 1,652 |
| Efficiency ratio | 64.0915% | 3,061 |
| Assets per employee ($millions) | 5.3957% | 2,152 |
| Cash dividends to net income (ytd only)* | 239.5763% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7389% | 734 |
| Loan loss allowance to noncurrent loans | 4,072.7273% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 4,590 |
| Noncurrent loans to loans | 0.0427% | 4,387 |
| Net loans and leases to total assets | 33.5134% | 4,909 |
| Net loans and leases to deposits | 38.7634% | 4,927 |
| Net loans and leases to core deposits | 40.0437% | 4,946 |
| Total domestic deposits to total assets | 86.4562% | 1,862 |
| Equity capital to assets | 10.3190% | 3,615 |
| Core capital (leverage) ratio | 10.4596% | 2,998 |
| Tier 1 risk-based capital ratio | 20.2731% | 1,285 |
| Total risk-based capital ratio | 21.4382% | 1,272 |
| Memoranda: | ||
| Average total assets | $72,458,800 | 4,389 |
| Average earning assets | $69,436,600 | 4,352 |
| Average equity | $9,087,800 | 4,363 |
| Average total loans | $27,771,800 | 4,688 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7257% | 4,751 |
| Cost of funding earning assets | 0.4851% | 4,201 |
| Net interest margin | 3.2406% | 4,209 |
| Noninterest income to average assets | 0.1451% | 4,818 |
| Noninterest expense to average assets | 2.0235% | 4,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2275% | 2,101 |
| Return on assets (ROA) | 1.2238% | 2,187 |
| Pretax return on assets | 1.2238% | 2,903 |
| Return on Equity (ROE) | 9.3222% | 2,747 |
| Retained earnings to average equity (ytd only) | 4.7319% | 3,037 |
| Net charge-offs to loans | 0.1368% | 1,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 22.7561% | 1,855 |
| Efficiency ratio | 62.2426% | 3,287 |
| Assets per employee ($millions) | 5.2010% | 2,339 |
| Cash dividends to net income (ytd only)* | 49.2403% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7719% | 160 |
| Loan loss allowance to noncurrent loans | 2,159.4595% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 4,458 |
| Noncurrent loans to loans | 0.1284% | 4,074 |
| Net loans and leases to total assets | 38.4899% | 4,862 |
| Net loans and leases to deposits | 46.0962% | 4,871 |
| Net loans and leases to core deposits | 47.7355% | 4,880 |
| Total domestic deposits to total assets | 83.4991% | 2,993 |
| Equity capital to assets | 13.4521% | 1,383 |
| Core capital (leverage) ratio | 13.5125% | 1,123 |
| Tier 1 risk-based capital ratio | 24.0895% | 834 |
| Total risk-based capital ratio | 25.3477% | 821 |
| Memoranda: | ||
| Average total assets | $71,688,500 | 4,456 |
| Average earning assets | $68,710,500 | 4,420 |
| Average equity | $9,411,000 | 4,365 |
| Average total loans | $28,273,750 | 4,741 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6985% | 4,832 |
| Cost of funding earning assets | 0.4824% | 4,194 |
| Net interest margin | 3.2160% | 4,333 |
| Noninterest income to average assets | 0.1346% | 4,898 |
| Noninterest expense to average assets | 2.0613% | 4,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1583% | 2,298 |
| Return on assets (ROA) | 1.1527% | 2,387 |
| Pretax return on assets | 1.1527% | 3,070 |
| Return on Equity (ROE) | 8.8549% | 2,916 |
| Retained earnings to average equity (ytd only) | 4.1366% | 3,176 |
| Net charge-offs to loans | 0.2065% | 802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 14.2414% | 2,047 |
| Efficiency ratio | 64.0244% | 3,128 |
| Assets per employee ($millions) | 5.1067% | 2,354 |
| Cash dividends to net income (ytd only)* | 53.2847% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7714% | 159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 39.2075% | 4,873 |
| Net loans and leases to deposits | 46.6919% | 4,880 |
| Net loans and leases to core deposits | 48.3677% | 4,902 |
| Total domestic deposits to total assets | 83.9707% | 2,882 |
| Equity capital to assets | 13.4375% | 1,353 |
| Core capital (leverage) ratio | 13.3563% | 1,167 |
| Tier 1 risk-based capital ratio | 23.8753% | 857 |
| Total risk-based capital ratio | 25.1334% | 838 |
| Memoranda: | ||
| Average total assets | $71,313,330 | 4,497 |
| Average earning assets | $68,407,000 | 4,458 |
| Average equity | $9,283,000 | 4,396 |
| Average total loans | $28,090,000 | 4,786 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6523% | 4,905 |
| Cost of funding earning assets | 0.4573% | 4,255 |
| Net interest margin | 3.1951% | 4,396 |
| Noninterest income to average assets | 0.1404% | 4,891 |
| Noninterest expense to average assets | 2.0443% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1569% | 2,231 |
| Return on assets (ROA) | 1.1569% | 2,287 |
| Pretax return on assets | 1.1569% | 2,954 |
| Return on Equity (ROE) | 9.0341% | 2,796 |
| Retained earnings to average equity (ytd only) | 4.4732% | 3,134 |
| Net charge-offs to loans | 0.4185% | 367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 7.1034% | 2,154 |
| Efficiency ratio | 63.8596% | 3,259 |
| Assets per employee ($millions) | 5.0197% | 2,494 |
| Cash dividends to net income (ytd only)* | 50.4854% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8557% | 155 |
| Loan loss allowance to noncurrent loans | 214.2091% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 2,511 |
| Noncurrent loans to loans | 1.3331% | 1,225 |
| Net loans and leases to total assets | 38.6761% | 4,933 |
| Net loans and leases to deposits | 45.9673% | 4,930 |
| Net loans and leases to core deposits | 47.6433% | 4,946 |
| Total domestic deposits to total assets | 84.1383% | 2,996 |
| Equity capital to assets | 13.2236% | 1,336 |
| Core capital (leverage) ratio | 13.2973% | 1,149 |
| Tier 1 risk-based capital ratio | 23.7792% | 861 |
| Total risk-based capital ratio | 25.0367% | 836 |
| Memoranda: | ||
| Average total assets | $71,223,000 | 4,547 |
| Average earning assets | $68,230,500 | 4,509 |
| Average equity | $9,121,000 | 4,448 |
| Average total loans | $27,720,000 | 4,848 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3899% | 5,016 |
| Cost of funding earning assets | 0.3530% | 4,266 |
| Net interest margin | 3.0369% | 4,754 |
| Noninterest income to average assets | 0.1287% | 5,047 |
| Noninterest expense to average assets | 2.0542% | 4,642 |
| Loan and lease loss provision to assets | -0.0685% | 5,227 |
| Net operating income to assets | 1.0531% | 2,790 |
| Return on assets (ROA) | 1.0572% | 2,757 |
| Pretax return on assets | 1.0572% | 3,418 |
| Return on Equity (ROE) | 8.9158% | 3,036 |
| Retained earnings to average equity (ytd only) | 3.8573% | 3,461 |
| Net charge-offs to loans | -0.0037% | 4,302 |
| Credit loss provision to net charge-offs | 5,000.0000% | 96 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5980% | 2,616 |
| Assets per employee ($millions) | 5.1550% | 2,322 |
| Cash dividends to net income (ytd only)* | 56.7358% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0152% | 130 |
| Loan loss allowance to noncurrent loans | 2,365.7143% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 4,605 |
| Noncurrent loans to loans | 0.1275% | 4,161 |
| Net loans and leases to total assets | 36.9031% | 5,047 |
| Net loans and leases to deposits | 43.5073% | 5,037 |
| Net loans and leases to core deposits | 45.0346% | 5,059 |
| Total domestic deposits to total assets | 84.8206% | 2,721 |
| Equity capital to assets | 12.3999% | 1,635 |
| Core capital (leverage) ratio | 12.8458% | 1,309 |
| Tier 1 risk-based capital ratio | 24.0567% | 823 |
| Total risk-based capital ratio | 25.3015% | 803 |
| Memoranda: | ||
| Average total assets | $73,022,000 | 4,535 |
| Average earning assets | $69,973,200 | 4,494 |
| Average equity | $8,658,800 | 4,503 |
| Average total loans | $27,294,200 | 4,881 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3309% | 5,099 |
| Cost of funding earning assets | 0.3340% | 4,286 |
| Net interest margin | 2.9969% | 4,852 |
| Noninterest income to average assets | 0.1329% | 5,095 |
| Noninterest expense to average assets | 2.0299% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9776% | 3,184 |
| Return on assets (ROA) | 0.9776% | 3,197 |
| Pretax return on assets | 0.9776% | 3,789 |
| Return on Equity (ROE) | 8.3387% | 3,403 |
| Retained earnings to average equity (ytd only) | 1.5373% | 4,711 |
| Net charge-offs to loans | -0.0098% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4939% | 2,632 |
| Assets per employee ($millions) | 5.2411% | 2,178 |
| Cash dividends to net income (ytd only)* | 81.5651% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3167% | 102 |
| Loan loss allowance to noncurrent loans | 2,835.4839% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 4,763 |
| Noncurrent loans to loans | 0.1170% | 4,365 |
| Net loans and leases to total assets | 34.9206% | 5,175 |
| Net loans and leases to deposits | 41.1833% | 5,182 |
| Net loans and leases to core deposits | 42.6049% | 5,188 |
| Total domestic deposits to total assets | 84.7932% | 2,688 |
| Equity capital to assets | 11.6089% | 2,175 |
| Core capital (leverage) ratio | 12.6529% | 1,438 |
| Tier 1 risk-based capital ratio | 23.6469% | 874 |
| Total risk-based capital ratio | 24.9074% | 859 |
| Memoranda: | ||
| Average total assets | $73,235,000 | 4,585 |
| Average earning assets | $70,248,750 | 4,536 |
| Average equity | $8,586,250 | 4,558 |
| Average total loans | $27,252,500 | 4,936 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2581% | 5,179 |
| Cost of funding earning assets | 0.3210% | 4,266 |
| Net interest margin | 2.9371% | 4,965 |
| Noninterest income to average assets | 0.1366% | 5,130 |
| Noninterest expense to average assets | 1.9730% | 4,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9892% | 3,068 |
| Return on assets (ROA) | 0.9892% | 3,072 |
| Pretax return on assets | 0.9892% | 3,698 |
| Return on Equity (ROE) | 8.4098% | 3,307 |
| Retained earnings to average equity (ytd only) | 0.6737% | 4,830 |
| Net charge-offs to loans | -0.0145% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6052% | 2,875 |
| Assets per employee ($millions) | 5.0953% | 2,297 |
| Cash dividends to net income (ytd only)* | 91.9890% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0483% | 133 |
| Loan loss allowance to noncurrent loans | 1,598.1818% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 4,625 |
| Noncurrent loans to loans | 0.1907% | 4,048 |
| Net loans and leases to total assets | 39.1917% | 5,083 |
| Net loans and leases to deposits | 46.4379% | 5,086 |
| Net loans and leases to core deposits | 48.0873% | 5,090 |
| Total domestic deposits to total assets | 84.3959% | 2,915 |
| Equity capital to assets | 11.9396% | 1,893 |
| Core capital (leverage) ratio | 12.2853% | 1,551 |
| Tier 1 risk-based capital ratio | 19.2276% | 1,493 |
| Total risk-based capital ratio | 19.5826% | 1,681 |
| Memoranda: | ||
| Average total assets | $73,188,330 | 4,634 |
| Average earning assets | $70,409,000 | 4,583 |
| Average equity | $8,609,000 | 4,592 |
| Average total loans | $27,502,670 | 4,981 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1481% | 5,278 |
| Cost of funding earning assets | 0.2974% | 4,371 |
| Net interest margin | 2.8507% | 5,097 |
| Noninterest income to average assets | 0.1457% | 5,138 |
| Noninterest expense to average assets | 1.9915% | 4,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8959% | 3,312 |
| Return on assets (ROA) | 0.8959% | 3,319 |
| Pretax return on assets | 0.8959% | 3,865 |
| Return on Equity (ROE) | 7.6719% | 3,516 |
| Retained earnings to average equity (ytd only) | 2.8192% | 4,064 |
| Net charge-offs to loans | -0.0298% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9720% | 2,670 |
| Assets per employee ($millions) | 5.2530% | 2,193 |
| Cash dividends to net income (ytd only)* | 63.2530% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3337% | 103 |
| Loan loss allowance to noncurrent loans | 2,746.8750% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 4,890 |
| Noncurrent loans to loans | 0.1214% | 4,419 |
| Net loans and leases to total assets | 34.6577% | 5,248 |
| Net loans and leases to deposits | 41.1581% | 5,243 |
| Net loans and leases to core deposits | 42.2252% | 5,262 |
| Total domestic deposits to total assets | 84.2063% | 3,231 |
| Equity capital to assets | 11.6641% | 2,022 |
| Core capital (leverage) ratio | 12.2318% | 1,506 |
| Tier 1 risk-based capital ratio | 18.9762% | 1,552 |
| Total risk-based capital ratio | 19.5546% | 1,709 |
| Memoranda: | ||
| Average total assets | $74,115,500 | 4,676 |
| Average earning assets | $71,281,000 | 4,613 |
| Average equity | $8,655,000 | 4,632 |
| Average total loans | $26,836,000 | 5,050 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1011% | 5,289 |
| Cost of funding earning assets | 0.2906% | 4,219 |
| Net interest margin | 2.8105% | 5,155 |
| Noninterest income to average assets | 0.1419% | 5,237 |
| Noninterest expense to average assets | 1.9087% | 5,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9260% | 2,571 |
| Return on assets (ROA) | 0.9260% | 2,598 |
| Pretax return on assets | 0.9260% | 3,826 |
| Return on Equity (ROE) | 7.8348% | 2,871 |
| Retained earnings to average equity (ytd only) | 3.2254% | 3,368 |
| Net charge-offs to loans | 0.0368% | 3,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 869 |
| Efficiency ratio | 67.3343% | 3,032 |
| Assets per employee ($millions) | 5.3349% | 2,116 |
| Cash dividends to net income (ytd only)* | 58.8321% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2119% | 114 |
| Loan loss allowance to noncurrent loans | 515.8824% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 3,997 |
| Noncurrent loans to loans | 0.6226% | 2,669 |
| Net loans and leases to total assets | 35.3841% | 5,304 |
| Net loans and leases to deposits | 41.9999% | 5,296 |
| Net loans and leases to core deposits | 43.5681% | 5,305 |
| Total domestic deposits to total assets | 84.2480% | 3,111 |
| Equity capital to assets | 11.6911% | 2,040 |
| Core capital (leverage) ratio | 11.4360% | 1,987 |
| Tier 1 risk-based capital ratio | 17.9876% | 1,808 |
| Total risk-based capital ratio | 18.5228% | 1,956 |
| Memoranda: | ||
| Average total assets | $73,976,600 | 4,706 |
| Average earning assets | $70,877,200 | 4,651 |
| Average equity | $8,743,000 | 4,658 |
| Average total loans | $27,201,600 | 5,090 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0946% | 5,340 |
| Cost of funding earning assets | 0.2870% | 4,250 |
| Net interest margin | 2.8076% | 5,204 |
| Noninterest income to average assets | 0.1481% | 5,267 |
| Noninterest expense to average assets | 1.9205% | 5,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9142% | 2,947 |
| Return on assets (ROA) | 0.9142% | 3,010 |
| Pretax return on assets | 0.9142% | 3,989 |
| Return on Equity (ROE) | 7.7140% | 3,286 |
| Retained earnings to average equity (ytd only) | 1.5702% | 4,799 |
| Net charge-offs to loans | 0.0442% | 2,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 56.2208% | 1,038 |
| Efficiency ratio | 67.7502% | 2,923 |
| Assets per employee ($millions) | 5.3013% | 2,116 |
| Cash dividends to net income (ytd only)* | 79.6443% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3860% | 102 |
| Loan loss allowance to noncurrent loans | 1,721.5686% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 4,889 |
| Noncurrent loans to loans | 0.1967% | 4,294 |
| Net loans and leases to total assets | 33.7546% | 5,420 |
| Net loans and leases to deposits | 40.4678% | 5,411 |
| Net loans and leases to core deposits | 42.0040% | 5,419 |
| Total domestic deposits to total assets | 83.4110% | 3,322 |
| Equity capital to assets | 11.9351% | 2,009 |
| Core capital (leverage) ratio | 11.8204% | 1,805 |
| Tier 1 risk-based capital ratio | 19.3126% | 1,518 |
| Total risk-based capital ratio | 20.5704% | 1,470 |
| Memoranda: | ||
| Average total assets | $73,798,500 | 4,759 |
| Average earning assets | $70,616,500 | 4,701 |
| Average equity | $8,745,750 | 4,702 |
| Average total loans | $27,175,750 | 5,147 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0112% | 5,425 |
| Cost of funding earning assets | 0.2766% | 4,319 |
| Net interest margin | 2.7347% | 5,326 |
| Noninterest income to average assets | 0.1493% | 5,317 |
| Noninterest expense to average assets | 1.9224% | 5,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8580% | 3,124 |
| Return on assets (ROA) | 0.8580% | 3,174 |
| Pretax return on assets | 0.8580% | 4,076 |
| Return on Equity (ROE) | 7.2574% | 3,421 |
| Retained earnings to average equity (ytd only) | 0.3675% | 5,004 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1406% | 2,821 |
| Assets per employee ($millions) | 5.3134% | 2,043 |
| Cash dividends to net income (ytd only)* | 94.9367% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1727% | 135 |
| Loan loss allowance to noncurrent loans | 2,608.8235% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 5,052 |
| Noncurrent loans to loans | 0.1216% | 4,631 |
| Net loans and leases to total assets | 36.3908% | 5,366 |
| Net loans and leases to deposits | 43.1181% | 5,365 |
| Net loans and leases to core deposits | 44.5406% | 5,385 |
| Total domestic deposits to total assets | 84.3978% | 3,052 |
| Equity capital to assets | 11.8690% | 2,027 |
| Core capital (leverage) ratio | 11.7661% | 1,784 |
| Tier 1 risk-based capital ratio | 17.7384% | 1,940 |
| Total risk-based capital ratio | 18.9946% | 1,896 |
| Memoranda: | ||
| Average total assets | $73,658,670 | 4,792 |
| Average earning assets | $70,867,670 | 4,731 |
| Average equity | $8,708,330 | 4,734 |
| Average total loans | $27,591,000 | 5,174 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9306% | 5,519 |
| Cost of funding earning assets | 0.2726% | 4,326 |
| Net interest margin | 2.6580% | 5,433 |
| Noninterest income to average assets | 0.1746% | 5,232 |
| Noninterest expense to average assets | 1.9374% | 5,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7913% | 3,263 |
| Return on assets (ROA) | 0.7913% | 3,319 |
| Pretax return on assets | 0.7913% | 4,136 |
| Return on Equity (ROE) | 6.7068% | 3,545 |
| Retained earnings to average equity (ytd only) | -2.2202% | 5,189 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0000% | 2,736 |
| Assets per employee ($millions) | 5.2981% | 2,080 |
| Cash dividends to net income (ytd only)* | 133.1034% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3129% | 128 |
| Loan loss allowance to noncurrent loans | 2,534.2857% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 5,115 |
| Noncurrent loans to loans | 0.1307% | 4,664 |
| Net loans and leases to total assets | 34.9008% | 5,444 |
| Net loans and leases to deposits | 41.1238% | 5,434 |
| Net loans and leases to core deposits | 42.4774% | 5,452 |
| Total domestic deposits to total assets | 84.8678% | 3,135 |
| Equity capital to assets | 11.6781% | 2,058 |
| Core capital (leverage) ratio | 11.8641% | 1,714 |
| Tier 1 risk-based capital ratio | 17.1685% | 2,128 |
| Total risk-based capital ratio | 18.4253% | 2,077 |
| Memoranda: | ||
| Average total assets | $73,294,500 | 4,845 |
| Average earning assets | $70,430,000 | 4,779 |
| Average equity | $8,648,000 | 4,782 |
| Average total loans | $27,408,000 | 5,232 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0513% | 5,459 |
| Cost of funding earning assets | 0.2806% | 4,250 |
| Net interest margin | 2.7706% | 5,333 |
| Noninterest income to average assets | 0.1538% | 5,442 |
| Noninterest expense to average assets | 1.9168% | 5,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9076% | 2,778 |
| Return on assets (ROA) | 0.9076% | 2,895 |
| Pretax return on assets | 0.9076% | 3,827 |
| Return on Equity (ROE) | 7.6663% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.6663% | 971 |
| Net charge-offs to loans | 0.0523% | 2,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 44.0667% | 1,099 |
| Efficiency ratio | 67.8658% | 3,263 |
| Assets per employee ($millions) | 5.1726% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1631% | 147 |
| Loan loss allowance to noncurrent loans | 974.7253% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 4,810 |
| Noncurrent loans to loans | 0.3245% | 3,983 |
| Net loans and leases to total assets | 37.4986% | 5,418 |
| Net loans and leases to deposits | 44.2805% | 5,422 |
| Net loans and leases to core deposits | 45.7779% | 5,441 |
| Total domestic deposits to total assets | 84.6843% | 3,177 |
| Equity capital to assets | 11.9228% | 1,864 |
| Core capital (leverage) ratio | 11.9330% | 1,642 |
| Tier 1 risk-based capital ratio | 17.9445% | 1,863 |
| Total risk-based capital ratio | 19.2019% | 1,822 |
| Memoranda: | ||
| Average total assets | $72,828,000 | 4,872 |
| Average earning assets | $70,200,600 | 4,804 |
| Average equity | $8,622,200 | 4,817 |
| Average total loans | $28,661,200 | 5,241 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0724% | 5,500 |
| Cost of funding earning assets | 0.2788% | 4,303 |
| Net interest margin | 2.7936% | 5,370 |
| Noninterest income to average assets | 0.1554% | 5,496 |
| Noninterest expense to average assets | 1.9342% | 5,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9141% | 2,841 |
| Return on assets (ROA) | 0.9141% | 2,965 |
| Pretax return on assets | 0.9141% | 3,928 |
| Return on Equity (ROE) | 7.7344% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.7344% | 1,292 |
| Net charge-offs to loans | 0.0694% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 33.3325% | 1,394 |
| Efficiency ratio | 67.9076% | 3,239 |
| Assets per employee ($millions) | 5.0701% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0879% | 172 |
| Loan loss allowance to noncurrent loans | 1,928.2609% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 5,184 |
| Noncurrent loans to loans | 0.1601% | 4,711 |
| Net loans and leases to total assets | 39.2184% | 5,422 |
| Net loans and leases to deposits | 46.6736% | 5,430 |
| Net loans and leases to core deposits | 48.2980% | 5,447 |
| Total domestic deposits to total assets | 84.0269% | 3,205 |
| Equity capital to assets | 12.6300% | 1,687 |
| Core capital (leverage) ratio | 12.0421% | 1,648 |
| Tier 1 risk-based capital ratio | 18.0562% | 1,903 |
| Total risk-based capital ratio | 19.3132% | 1,868 |
| Memoranda: | ||
| Average total assets | $72,931,000 | 4,910 |
| Average earning assets | $70,301,500 | 4,838 |
| Average equity | $8,619,250 | 4,865 |
| Average total loans | $28,816,000 | 5,283 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0155% | 5,631 |
| Cost of funding earning assets | 0.2810% | 4,336 |
| Net interest margin | 2.7344% | 5,525 |
| Noninterest income to average assets | 0.1522% | 5,545 |
| Noninterest expense to average assets | 1.8238% | 5,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9731% | 2,507 |
| Return on assets (ROA) | 0.9731% | 2,651 |
| Pretax return on assets | 0.9731% | 3,690 |
| Return on Equity (ROE) | 8.4196% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.4196% | 1,038 |
| Net charge-offs to loans | 0.1040% | 1,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 23.8667% | 1,575 |
| Efficiency ratio | 65.2089% | 3,807 |
| Assets per employee ($millions) | 5.5545% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0009% | 195 |
| Loan loss allowance to noncurrent loans | 4,223.8095% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 5,473 |
| Noncurrent loans to loans | 0.0710% | 5,162 |
| Net loans and leases to total assets | 39.7056% | 5,434 |
| Net loans and leases to deposits | 46.7693% | 5,470 |
| Net loans and leases to core deposits | 48.5661% | 5,480 |
| Total domestic deposits to total assets | 84.8966% | 2,925 |
| Equity capital to assets | 12.3295% | 1,883 |
| Core capital (leverage) ratio | 11.3561% | 2,094 |
| Tier 1 risk-based capital ratio | 19.0997% | 1,669 |
| Total risk-based capital ratio | 20.3585% | 1,635 |
| Memoranda: | ||
| Average total assets | $73,580,670 | 4,943 |
| Average earning assets | $71,166,670 | 4,854 |
| Average equity | $8,504,000 | 4,920 |
| Average total loans | $28,846,330 | 5,338 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9554% | 5,732 |
| Cost of funding earning assets | 0.2778% | 4,418 |
| Net interest margin | 2.6776% | 5,644 |
| Noninterest income to average assets | 0.1562% | 5,557 |
| Noninterest expense to average assets | 1.8636% | 5,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8887% | 2,809 |
| Return on assets (ROA) | 0.8887% | 2,937 |
| Pretax return on assets | 0.8887% | 3,895 |
| Return on Equity (ROE) | 7.9475% | 2,948 |
| Retained earnings to average equity (ytd only) | 7.9475% | 1,479 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7104% | 3,514 |
| Assets per employee ($millions) | 5.3398% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1066% | 200 |
| Loan loss allowance to noncurrent loans | 2,505.5556% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 5,433 |
| Noncurrent loans to loans | 0.1240% | 4,977 |
| Net loans and leases to total assets | 37.6326% | 5,569 |
| Net loans and leases to deposits | 43.6950% | 5,605 |
| Net loans and leases to core deposits | 45.2903% | 5,616 |
| Total domestic deposits to total assets | 86.1257% | 2,619 |
| Equity capital to assets | 11.4237% | 2,513 |
| Core capital (leverage) ratio | 11.0423% | 2,366 |
| Tier 1 risk-based capital ratio | 17.9640% | 1,993 |
| Total risk-based capital ratio | 19.2222% | 1,959 |
| Memoranda: | ||
| Average total assets | $74,266,500 | 4,970 |
| Average earning assets | $72,004,500 | 4,875 |
| Average equity | $8,304,500 | 4,994 |
| Average total loans | $28,490,500 | 5,397 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8938% | 5,815 |
| Cost of funding earning assets | 0.2928% | 4,336 |
| Net interest margin | 2.6011% | 5,755 |
| Noninterest income to average assets | 0.1427% | 5,699 |
| Noninterest expense to average assets | 1.7790% | 5,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8630% | 3,054 |
| Return on assets (ROA) | 0.8956% | 2,979 |
| Pretax return on assets | 0.8956% | 3,854 |
| Return on Equity (ROE) | 8.4063% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.4063% | 803 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3354% | 3,688 |
| Assets per employee ($millions) | 5.6751% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2277% | 170 |
| Loan loss allowance to noncurrent loans | 2,818.7500% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 5,505 |
| Noncurrent loans to loans | 0.1145% | 5,042 |
| Net loans and leases to total assets | 36.6569% | 5,683 |
| Net loans and leases to deposits | 42.4566% | 5,698 |
| Net loans and leases to core deposits | 44.0241% | 5,712 |
| Total domestic deposits to total assets | 86.3397% | 2,467 |
| Equity capital to assets | 10.9372% | 2,888 |
| Core capital (leverage) ratio | 11.0289% | 2,375 |
| Tier 1 risk-based capital ratio | 17.8665% | 2,002 |
| Total risk-based capital ratio | 19.1253% | 1,951 |
| Memoranda: | ||
| Average total assets | $73,581,600 | 5,001 |
| Average earning assets | $70,702,200 | 4,920 |
| Average equity | $7,839,400 | 5,091 |
| Average total loans | $28,557,200 | 5,422 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9052% | 5,889 |
| Cost of funding earning assets | 0.2915% | 4,436 |
| Net interest margin | 2.6138% | 5,822 |
| Noninterest income to average assets | 0.1432% | 5,763 |
| Noninterest expense to average assets | 1.7534% | 5,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8939% | 2,994 |
| Return on assets (ROA) | 0.9374% | 2,869 |
| Pretax return on assets | 0.9374% | 3,855 |
| Return on Equity (ROE) | 8.8579% | 2,652 |
| Retained earnings to average equity (ytd only) | 8.8579% | 953 |
| Net charge-offs to loans | 0.0046% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 494.2256% | 147 |
| Efficiency ratio | 66.2329% | 3,855 |
| Assets per employee ($millions) | 5.0509% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2853% | 183 |
| Loan loss allowance to noncurrent loans | 1,877.0833% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 5,486 |
| Noncurrent loans to loans | 0.1750% | 4,955 |
| Net loans and leases to total assets | 37.5099% | 5,727 |
| Net loans and leases to deposits | 43.9736% | 5,724 |
| Net loans and leases to core deposits | 45.6916% | 5,739 |
| Total domestic deposits to total assets | 85.3009% | 2,883 |
| Equity capital to assets | 11.5101% | 2,502 |
| Core capital (leverage) ratio | 10.9903% | 2,497 |
| Tier 1 risk-based capital ratio | 18.3806% | 1,930 |
| Total risk-based capital ratio | 19.6406% | 1,886 |
| Memoranda: | ||
| Average total assets | $73,533,000 | 5,061 |
| Average earning assets | $70,445,750 | 4,984 |
| Average equity | $7,782,000 | 5,163 |
| Average total loans | $28,710,000 | 5,484 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8296% | 5,995 |
| Cost of funding earning assets | 0.2919% | 4,483 |
| Net interest margin | 2.5376% | 5,930 |
| Noninterest income to average assets | 0.1396% | 5,864 |
| Noninterest expense to average assets | 1.6999% | 5,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8674% | 3,053 |
| Return on assets (ROA) | 0.9319% | 2,844 |
| Pretax return on assets | 0.9319% | 3,836 |
| Return on Equity (ROE) | 9.0565% | 2,506 |
| Retained earnings to average equity (ytd only) | 9.0565% | 899 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2134% | 3,972 |
| Assets per employee ($millions) | 5.1783% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9055% | 296 |
| Loan loss allowance to noncurrent loans | 4,295.2381% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 5,764 |
| Noncurrent loans to loans | 0.0676% | 5,465 |
| Net loans and leases to total assets | 41.5788% | 5,533 |
| Net loans and leases to deposits | 48.2628% | 5,582 |
| Net loans and leases to core deposits | 50.0839% | 5,612 |
| Total domestic deposits to total assets | 86.1510% | 2,608 |
| Equity capital to assets | 10.7716% | 3,142 |
| Core capital (leverage) ratio | 10.4374% | 3,040 |
| Tier 1 risk-based capital ratio | 16.8338% | 2,473 |
| Total risk-based capital ratio | 18.0921% | 2,423 |
| Memoranda: | ||
| Average total assets | $74,473,330 | 5,088 |
| Average earning assets | $71,247,670 | 5,016 |
| Average equity | $7,663,000 | 5,230 |
| Average total loans | $29,138,330 | 5,510 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7604% | 6,094 |
| Cost of funding earning assets | 0.2833% | 4,630 |
| Net interest margin | 2.4772% | 6,043 |
| Noninterest income to average assets | 0.1378% | 5,921 |
| Noninterest expense to average assets | 1.7015% | 6,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8004% | 3,258 |
| Return on assets (ROA) | 0.9276% | 2,743 |
| Pretax return on assets | 0.9276% | 3,787 |
| Return on Equity (ROE) | 9.2227% | 2,350 |
| Retained earnings to average equity (ytd only) | 9.2227% | 1,122 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0085% | 3,823 |
| Assets per employee ($millions) | 5.3205% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2563% | 224 |
| Loan loss allowance to noncurrent loans | 8,200.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 5,893 |
| Noncurrent loans to loans | 0.0397% | 5,625 |
| Net loans and leases to total assets | 35.9767% | 5,829 |
| Net loans and leases to deposits | 41.4945% | 5,861 |
| Net loans and leases to core deposits | 42.6645% | 5,877 |
| Total domestic deposits to total assets | 86.7024% | 2,550 |
| Equity capital to assets | 10.4421% | 3,598 |
| Core capital (leverage) ratio | 10.0707% | 3,510 |
| Tier 1 risk-based capital ratio | 36.7369% | 314 |
| Total risk-based capital ratio | 36.7369% | 345 |
| Memoranda: | ||
| Average total assets | $75,462,000 | 5,122 |
| Average earning assets | $72,018,000 | 5,050 |
| Average equity | $7,590,000 | 5,284 |
| Average total loans | $28,185,000 | 5,587 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0167% | 6,048 |
| Cost of funding earning assets | 0.3090% | 4,700 |
| Net interest margin | 2.7076% | 5,926 |
| Noninterest income to average assets | 0.1466% | 5,961 |
| Noninterest expense to average assets | 1.8623% | 5,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8542% | 3,096 |
| Return on assets (ROA) | 0.8542% | 3,194 |
| Pretax return on assets | 0.8542% | 4,055 |
| Return on Equity (ROE) | 8.2642% | 2,987 |
| Retained earnings to average equity (ytd only) | 3.2781% | 3,896 |
| Net charge-offs to loans | 0.0171% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 438 |
| Efficiency ratio | 68.5535% | 3,798 |
| Assets per employee ($millions) | 5.4598% | 1,805 |
| Cash dividends to net income (ytd only)* | 60.3333% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1461% | 251 |
| Loan loss allowance to noncurrent loans | 18,040.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 6,062 |
| Noncurrent loans to loans | 0.0174% | 5,831 |
| Net loans and leases to total assets | 36.3280% | 5,937 |
| Net loans and leases to deposits | 41.5104% | 5,985 |
| Net loans and leases to core deposits | 42.6393% | 6,009 |
| Total domestic deposits to total assets | 87.5152% | 2,026 |
| Equity capital to assets | 9.6838% | 4,489 |
| Core capital (leverage) ratio | 10.1977% | 3,312 |
| Tier 1 risk-based capital ratio | 12.9413% | 4,759 |
| Total risk-based capital ratio | 14.1950% | 4,675 |
| Memoranda: | ||
| Average total assets | $70,237,600 | 5,280 |
| Average earning assets | $66,663,200 | 5,209 |
| Average equity | $7,260,200 | 5,361 |
| Average total loans | $29,298,400 | 5,586 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0771% | 6,058 |
| Cost of funding earning assets | 0.3165% | 4,713 |
| Net interest margin | 2.7606% | 5,916 |
| Noninterest income to average assets | 0.1669% | 5,922 |
| Noninterest expense to average assets | 1.9314% | 5,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8599% | 3,123 |
| Return on assets (ROA) | 0.8599% | 3,215 |
| Pretax return on assets | 0.8599% | 4,144 |
| Return on Equity (ROE) | 8.1754% | 3,113 |
| Retained earnings to average equity (ytd only) | 1.4949% | 5,299 |
| Net charge-offs to loans | 0.0226% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 88.5532% | 644 |
| Efficiency ratio | 69.1933% | 3,641 |
| Assets per employee ($millions) | 4.8571% | 2,438 |
| Cash dividends to net income (ytd only)* | 81.7151% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0233% | 354 |
| Loan loss allowance to noncurrent loans | 15,033.3333% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 6,156 |
| Noncurrent loans to loans | 0.0201% | 5,945 |
| Net loans and leases to total assets | 42.5485% | 5,634 |
| Net loans and leases to deposits | 49.6849% | 5,670 |
| Net loans and leases to core deposits | 51.2433% | 5,730 |
| Total domestic deposits to total assets | 85.6368% | 3,051 |
| Equity capital to assets | 10.7029% | 3,296 |
| Core capital (leverage) ratio | 10.6111% | 2,913 |
| Tier 1 risk-based capital ratio | 14.4123% | 3,934 |
| Total risk-based capital ratio | 15.6689% | 3,877 |
| Memoranda: | ||
| Average total assets | $68,687,750 | 5,383 |
| Average earning assets | $65,298,000 | 5,301 |
| Average equity | $7,224,750 | 5,411 |
| Average total loans | $29,455,500 | 5,640 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0502% | 6,134 |
| Cost of funding earning assets | 0.3200% | 4,758 |
| Net interest margin | 2.7303% | 6,017 |
| Noninterest income to average assets | 0.1654% | 5,958 |
| Noninterest expense to average assets | 1.9328% | 5,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8329% | 3,164 |
| Return on assets (ROA) | 0.8329% | 3,258 |
| Pretax return on assets | 0.8329% | 4,148 |
| Return on Equity (ROE) | 7.9645% | 3,115 |
| Retained earnings to average equity (ytd only) | -0.6383% | 5,802 |
| Net charge-offs to loans | -0.0136% | 5,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8846% | 3,675 |
| Assets per employee ($millions) | 4.9996% | 2,219 |
| Cash dividends to net income (ytd only)* | 108.0139% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0237% | 374 |
| Loan loss allowance to noncurrent loans | 2,597.1429% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 6,041 |
| Noncurrent loans to loans | 0.1164% | 5,666 |
| Net loans and leases to total assets | 41.6521% | 5,699 |
| Net loans and leases to deposits | 48.4423% | 5,750 |
| Net loans and leases to core deposits | 49.9007% | 5,798 |
| Total domestic deposits to total assets | 85.9831% | 3,046 |
| Equity capital to assets | 10.3195% | 3,660 |
| Core capital (leverage) ratio | 10.1391% | 3,425 |
| Tier 1 risk-based capital ratio | 15.0524% | 3,606 |
| Total risk-based capital ratio | 16.3097% | 3,549 |
| Memoranda: | ||
| Average total assets | $68,917,000 | 5,421 |
| Average earning assets | $65,634,670 | 5,329 |
| Average equity | $7,207,000 | 5,438 |
| Average total loans | $29,329,000 | 5,685 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0291% | 6,212 |
| Cost of funding earning assets | 0.3208% | 4,853 |
| Net interest margin | 2.7083% | 6,101 |
| Noninterest income to average assets | 0.1696% | 5,956 |
| Noninterest expense to average assets | 1.9246% | 6,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8131% | 3,095 |
| Return on assets (ROA) | 0.8131% | 3,162 |
| Pretax return on assets | 0.8131% | 4,061 |
| Return on Equity (ROE) | 7.7233% | 3,077 |
| Retained earnings to average equity (ytd only) | 2.8337% | 4,393 |
| Net charge-offs to loans | 0.2348% | 1,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.1765% | 2,050 |
| Efficiency ratio | 70.2991% | 3,782 |
| Assets per employee ($millions) | 4.4777% | 3,006 |
| Cash dividends to net income (ytd only)* | 63.3094% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0181% | 426 |
| Loan loss allowance to noncurrent loans | 4,944.4444% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 6,219 |
| Noncurrent loans to loans | 0.0610% | 5,967 |
| Net loans and leases to total assets | 42.5796% | 5,619 |
| Net loans and leases to deposits | 49.7963% | 5,612 |
| Net loans and leases to core deposits | 51.3696% | 5,660 |
| Total domestic deposits to total assets | 85.5075% | 3,606 |
| Equity capital to assets | 10.7644% | 2,971 |
| Core capital (leverage) ratio | 10.5107% | 2,914 |
| Tier 1 risk-based capital ratio | 14.3609% | 4,090 |
| Total risk-based capital ratio | 15.6184% | 4,043 |
| Memoranda: | ||
| Average total assets | $68,378,500 | 5,498 |
| Average earning assets | $64,837,500 | 5,414 |
| Average equity | $7,199,000 | 5,469 |
| Average total loans | $28,962,000 | 5,751 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0451% | 6,295 |
| Cost of funding earning assets | 0.3563% | 5,080 |
| Net interest margin | 2.6888% | 6,155 |
| Noninterest income to average assets | 0.2131% | 5,808 |
| Noninterest expense to average assets | 1.8174% | 6,291 |
| Loan and lease loss provision to assets | 0.0302% | 4,503 |
| Net operating income to assets | 0.9548% | 2,544 |
| Return on assets (ROA) | 0.9548% | 2,618 |
| Pretax return on assets | 0.9087% | 3,730 |
| Return on Equity (ROE) | 9.3554% | 2,391 |
| Retained earnings to average equity (ytd only) | 5.9830% | 1,982 |
| Net charge-offs to loans | 0.0313% | 4,808 |
| Credit loss provision to net charge-offs | 233.3333% | 984 |
| Earnings coverage of net charge-offs (x) | 72.4444% | 589 |
| Efficiency ratio | 65.9352% | 4,574 |
| Assets per employee ($millions) | 4.6394% | 2,670 |
| Cash dividends to net income (ytd only)* | 36.0483% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1897% | 375 |
| Loan loss allowance to noncurrent loans | 306.4189% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 4,976 |
| Noncurrent loans to loans | 1.0410% | 3,429 |
| Net loans and leases to total assets | 39.5568% | 5,995 |
| Net loans and leases to deposits | 45.9689% | 6,013 |
| Net loans and leases to core deposits | 47.3600% | 6,074 |
| Total domestic deposits to total assets | 86.0514% | 3,236 |
| Equity capital to assets | 10.3002% | 3,392 |
| Core capital (leverage) ratio | 10.4473% | 2,968 |
| Tier 1 risk-based capital ratio | 13.7711% | 4,461 |
| Total risk-based capital ratio | 15.0279% | 4,404 |
| Memoranda: | ||
| Average total assets | $69,441,000 | 5,499 |
| Average earning assets | $65,680,000 | 5,414 |
| Average equity | $7,086,800 | 5,545 |
| Average total loans | $28,757,200 | 5,816 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0383% | 6,383 |
| Cost of funding earning assets | 0.3689% | 5,107 |
| Net interest margin | 2.6694% | 6,224 |
| Noninterest income to average assets | 0.2286% | 5,797 |
| Noninterest expense to average assets | 1.7943% | 6,345 |
| Loan and lease loss provision to assets | 0.0403% | 4,201 |
| Net operating income to assets | 0.9855% | 2,442 |
| Return on assets (ROA) | 0.9855% | 2,539 |
| Pretax return on assets | 0.9240% | 3,784 |
| Return on Equity (ROE) | 9.6792% | 2,313 |
| Retained earnings to average equity (ytd only) | 5.1509% | 2,970 |
| Net charge-offs to loans | 0.0509% | 4,179 |
| Credit loss provision to net charge-offs | 190.9091% | 1,263 |
| Earnings coverage of net charge-offs (x) | 45.6251% | 920 |
| Efficiency ratio | 65.0418% | 4,641 |
| Assets per employee ($millions) | 4.5632% | 2,778 |
| Cash dividends to net income (ytd only)* | 46.7835% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1724% | 466 |
| Loan loss allowance to noncurrent loans | 297.6974% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 5,096 |
| Noncurrent loans to loans | 1.0657% | 3,670 |
| Net loans and leases to total assets | 40.3547% | 6,007 |
| Net loans and leases to deposits | 47.0682% | 6,030 |
| Net loans and leases to core deposits | 48.5226% | 6,094 |
| Total domestic deposits to total assets | 85.7366% | 3,382 |
| Equity capital to assets | 10.3845% | 3,410 |
| Core capital (leverage) ratio | 10.4785% | 3,027 |
| Tier 1 risk-based capital ratio | 15.5919% | 3,412 |
| Total risk-based capital ratio | 16.8512% | 3,372 |
| Memoranda: | ||
| Average total assets | $69,403,500 | 5,551 |
| Average earning assets | $65,780,750 | 5,463 |
| Average equity | $7,066,500 | 5,613 |
| Average total loans | $28,837,750 | 5,873 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0147% | 6,433 |
| Cost of funding earning assets | 0.3844% | 5,089 |
| Net interest margin | 2.6303% | 6,298 |
| Noninterest income to average assets | 0.2467% | 5,681 |
| Noninterest expense to average assets | 1.8703% | 6,271 |
| Loan and lease loss provision to assets | 0.0602% | 3,804 |
| Net operating income to assets | 0.9007% | 2,792 |
| Return on assets (ROA) | 0.9007% | 2,933 |
| Pretax return on assets | 0.8089% | 4,279 |
| Return on Equity (ROE) | 8.9044% | 2,656 |
| Retained earnings to average equity (ytd only) | 4.3388% | 3,512 |
| Net charge-offs to loans | 0.0484% | 4,001 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 43.2857% | 875 |
| Efficiency ratio | 68.2723% | 4,135 |
| Assets per employee ($millions) | 4.4497% | 2,895 |
| Cash dividends to net income (ytd only)* | 51.2739% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1124% | 523 |
| Loan loss allowance to noncurrent loans | 4,131.8182% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 6,421 |
| Noncurrent loans to loans | 0.0753% | 6,169 |
| Net loans and leases to total assets | 42.3957% | 5,873 |
| Net loans and leases to deposits | 49.6517% | 5,869 |
| Net loans and leases to core deposits | 51.2219% | 5,941 |
| Total domestic deposits to total assets | 85.3862% | 3,707 |
| Equity capital to assets | 10.3453% | 3,496 |
| Core capital (leverage) ratio | 10.1569% | 3,285 |
| Tier 1 risk-based capital ratio | 13.9435% | 4,461 |
| Total risk-based capital ratio | 15.2013% | 4,414 |
| Memoranda: | ||
| Average total assets | $69,722,000 | 5,577 |
| Average earning assets | $66,076,000 | 5,495 |
| Average equity | $7,052,670 | 5,669 |
| Average total loans | $28,941,330 | 5,895 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9434% | 6,570 |
| Cost of funding earning assets | 0.4011% | 5,090 |
| Net interest margin | 2.5423% | 6,450 |
| Noninterest income to average assets | 0.2135% | 5,953 |
| Noninterest expense to average assets | 1.8705% | 6,328 |
| Loan and lease loss provision to assets | 0.0562% | 3,701 |
| Net operating income to assets | 0.6628% | 3,889 |
| Return on assets (ROA) | 0.6628% | 4,044 |
| Pretax return on assets | 0.7078% | 4,547 |
| Return on Equity (ROE) | 6.6232% | 3,703 |
| Retained earnings to average equity (ytd only) | 3.1993% | 4,333 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0021% | 3,788 |
| Assets per employee ($millions) | 4.6101% | 2,788 |
| Cash dividends to net income (ytd only)* | 51.6949% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2008% | 546 |
| Loan loss allowance to noncurrent loans | 3,620.0000% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 6,096 |
| Noncurrent loans to loans | 0.0884% | 6,215 |
| Net loans and leases to total assets | 39.5786% | 6,027 |
| Net loans and leases to deposits | 46.3073% | 6,039 |
| Net loans and leases to core deposits | 48.5645% | 6,064 |
| Total domestic deposits to total assets | 85.4695% | 3,813 |
| Equity capital to assets | 10.3166% | 3,779 |
| Core capital (leverage) ratio | 10.0385% | 3,324 |
| Tier 1 risk-based capital ratio | 12.6948% | 5,432 |
| Total risk-based capital ratio | 13.9503% | 5,382 |
| Memoranda: | ||
| Average total assets | $71,210,500 | 5,588 |
| Average earning assets | $67,812,000 | 5,502 |
| Average equity | $7,126,500 | 5,710 |
| Average total loans | $28,809,000 | 5,944 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3380% | 6,551 |
| Cost of funding earning assets | 0.4844% | 5,324 |
| Net interest margin | 2.8535% | 6,302 |
| Noninterest income to average assets | 0.2168% | 5,880 |
| Noninterest expense to average assets | 1.9868% | 6,354 |
| Loan and lease loss provision to assets | 0.0624% | 4,990 |
| Net operating income to assets | 0.8212% | 3,182 |
| Return on assets (ROA) | 0.8212% | 3,433 |
| Pretax return on assets | 0.8791% | 3,993 |
| Return on Equity (ROE) | 7.9054% | 3,129 |
| Retained earnings to average equity (ytd only) | 3.9742% | 3,406 |
| Net charge-offs to loans | 0.0863% | 4,814 |
| Credit loss provision to net charge-offs | 175.0000% | 1,501 |
| Earnings coverage of net charge-offs (x) | 26.4167% | 1,099 |
| Efficiency ratio | 67.8499% | 4,175 |
| Assets per employee ($millions) | 4.8847% | 2,377 |
| Cash dividends to net income (ytd only)* | 49.7288% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0500% | 634 |
| Loan loss allowance to noncurrent loans | 3,442.3077% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.2006% | 6,058 |
| Noncurrent loans to loans | 0.0886% | 6,265 |
| Net loans and leases to total assets | 38.8276% | 6,244 |
| Net loans and leases to deposits | 45.2376% | 6,290 |
| Net loans and leases to core deposits | 45.7806% | 6,387 |
| Total domestic deposits to total assets | 85.8305% | 3,440 |
| Equity capital to assets | 9.7161% | 4,570 |
| Core capital (leverage) ratio | 9.9934% | 3,410 |
| Tier 1 risk-based capital ratio | 11.5308% | 6,078 |
| Total risk-based capital ratio | 12.7841% | 6,043 |
| Memoranda: | ||
| Average total assets | $67,343,800 | 5,697 |
| Average earning assets | $63,990,600 | 5,610 |
| Average equity | $6,995,200 | 5,767 |
| Average total loans | $27,804,600 | 6,045 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4243% | 6,596 |
| Cost of funding earning assets | 0.5165% | 5,334 |
| Net interest margin | 2.9078% | 6,345 |
| Noninterest income to average assets | 0.2308% | 5,895 |
| Noninterest expense to average assets | 2.0406% | 6,288 |
| Loan and lease loss provision to assets | 0.0648% | 4,893 |
| Net operating income to assets | 0.8361% | 3,282 |
| Return on assets (ROA) | 0.8361% | 3,527 |
| Pretax return on assets | 0.8948% | 4,126 |
| Return on Equity (ROE) | 7.9068% | 3,318 |
| Retained earnings to average equity (ytd only) | 2.6421% | 4,979 |
| Net charge-offs to loans | -0.0146% | 6,431 |
| Credit loss provision to net charge-offs | -1,066.6667% | 6,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0162% | 4,064 |
| Assets per employee ($millions) | 4.6121% | 2,729 |
| Cash dividends to net income (ytd only)* | 66.5868% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3124% | 544 |
| Loan loss allowance to noncurrent loans | 132.9446% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 1.0624% | 4,161 |
| Noncurrent loans to loans | 2.4916% | 2,308 |
| Net loans and leases to total assets | 41.2288% | 6,182 |
| Net loans and leases to deposits | 49.0891% | 6,187 |
| Net loans and leases to core deposits | 50.0592% | 6,277 |
| Total domestic deposits to total assets | 83.9877% | 4,228 |
| Equity capital to assets | 10.9093% | 3,373 |
| Core capital (leverage) ratio | 10.2666% | 3,205 |
| Tier 1 risk-based capital ratio | 13.8320% | 4,668 |
| Total risk-based capital ratio | 15.0910% | 4,617 |
| Memoranda: | ||
| Average total assets | $65,862,250 | 5,814 |
| Average earning assets | $62,726,750 | 5,708 |
| Average equity | $6,964,250 | 5,845 |
| Average total loans | $27,419,750 | 6,141 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4353% | 6,693 |
| Cost of funding earning assets | 0.5451% | 5,333 |
| Net interest margin | 2.8902% | 6,442 |
| Noninterest income to average assets | 0.1901% | 6,196 |
| Noninterest expense to average assets | 2.0213% | 6,391 |
| Loan and lease loss provision to assets | 0.0634% | 4,858 |
| Net operating income to assets | 0.7995% | 3,397 |
| Return on assets (ROA) | 0.7995% | 3,647 |
| Pretax return on assets | 0.8568% | 4,249 |
| Return on Equity (ROE) | 7.6395% | 3,428 |
| Retained earnings to average equity (ytd only) | 1.4702% | 5,462 |
| Net charge-offs to loans | -0.0365% | 6,580 |
| Credit loss provision to net charge-offs | -420.0000% | 6,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7179% | 3,993 |
| Assets per employee ($millions) | 4.5121% | 2,882 |
| Cash dividends to net income (ytd only)* | 80.7547% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1217% | 697 |
| Loan loss allowance to noncurrent loans | 129.1845% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 1.1065% | 4,172 |
| Noncurrent loans to loans | 2.4164% | 2,488 |
| Net loans and leases to total assets | 44.3628% | 5,984 |
| Net loans and leases to deposits | 52.7391% | 5,975 |
| Net loans and leases to core deposits | 53.7868% | 6,104 |
| Total domestic deposits to total assets | 84.1175% | 4,267 |
| Equity capital to assets | 11.0242% | 3,090 |
| Core capital (leverage) ratio | 10.0735% | 3,319 |
| Tier 1 risk-based capital ratio | 15.2793% | 3,584 |
| Total risk-based capital ratio | 16.5400% | 3,540 |
| Memoranda: | ||
| Average total assets | $66,293,330 | 5,835 |
| Average earning assets | $63,109,330 | 5,733 |
| Average equity | $6,937,670 | 5,865 |
| Average total loans | $27,382,000 | 6,188 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3259% | 6,879 |
| Cost of funding earning assets | 0.5450% | 5,530 |
| Net interest margin | 2.7809% | 6,665 |
| Noninterest income to average assets | 0.1886% | 6,250 |
| Noninterest expense to average assets | 2.0632% | 6,356 |
| Loan and lease loss provision to assets | 0.0648% | 4,614 |
| Net operating income to assets | 0.6602% | 4,077 |
| Return on assets (ROA) | 0.6602% | 4,287 |
| Pretax return on assets | 0.7074% | 4,764 |
| Return on Equity (ROE) | 6.4698% | 4,058 |
| Retained earnings to average equity (ytd only) | 2.9461% | 4,779 |
| Net charge-offs to loans | -0.0601% | 6,607 |
| Credit loss provision to net charge-offs | -275.0000% | 5,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7651% | 3,300 |
| Assets per employee ($millions) | 4.4485% | 3,084 |
| Cash dividends to net income (ytd only)* | 54.4643% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3462% | 600 |
| Loan loss allowance to noncurrent loans | 130.6003% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 1.0236% | 4,445 |
| Noncurrent loans to loans | 2.5622% | 2,544 |
| Net loans and leases to total assets | 38.6120% | 6,450 |
| Net loans and leases to deposits | 45.0973% | 6,487 |
| Net loans and leases to core deposits | 45.9859% | 6,570 |
| Total domestic deposits to total assets | 85.6192% | 3,732 |
| Equity capital to assets | 10.3854% | 3,629 |
| Core capital (leverage) ratio | 9.8646% | 3,546 |
| Tier 1 risk-based capital ratio | 14.4197% | 4,169 |
| Total risk-based capital ratio | 15.6788% | 4,129 |
| Memoranda: | ||
| Average total assets | $67,855,000 | 5,833 |
| Average earning assets | $64,584,500 | 5,739 |
| Average equity | $6,924,500 | 5,896 |
| Average total loans | $26,609,500 | 6,274 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7326% | 6,810 |
| Cost of funding earning assets | 0.6476% | 5,842 |
| Net interest margin | 3.0850% | 6,374 |
| Noninterest income to average assets | 0.2247% | 5,925 |
| Noninterest expense to average assets | 2.1418% | 6,402 |
| Loan and lease loss provision to assets | 0.0679% | 5,762 |
| Net operating income to assets | 0.8560% | 2,787 |
| Return on assets (ROA) | 0.8470% | 2,992 |
| Pretax return on assets | 0.9084% | 3,583 |
| Return on Equity (ROE) | 7.8994% | 2,963 |
| Retained earnings to average equity (ytd only) | -3.7085% | 6,345 |
| Net charge-offs to loans | 0.2572% | 4,168 |
| Credit loss provision to net charge-offs | 63.6364% | 5,066 |
| Earnings coverage of net charge-offs (x) | 9.2424% | 2,009 |
| Efficiency ratio | 68.4755% | 4,258 |
| Assets per employee ($millions) | 4.5988% | 2,757 |
| Cash dividends to net income (ytd only)* | 146.9466% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3017% | 620 |
| Loan loss allowance to noncurrent loans | 476.6304% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 6,298 |
| Noncurrent loans to loans | 0.6927% | 5,315 |
| Net loans and leases to total assets | 37.2344% | 6,682 |
| Net loans and leases to deposits | 43.2713% | 6,748 |
| Net loans and leases to core deposits | 44.0914% | 6,812 |
| Total domestic deposits to total assets | 86.0485% | 3,299 |
| Equity capital to assets | 10.0302% | 4,131 |
| Core capital (leverage) ratio | 9.8119% | 3,581 |
| Tier 1 risk-based capital ratio | 18.7150% | 1,987 |
| Total risk-based capital ratio | 19.9802% | 1,939 |
| Memoranda: | ||
| Average total assets | $61,864,200 | 5,983 |
| Average earning assets | $58,217,000 | 5,924 |
| Average equity | $6,633,400 | 5,978 |
| Average total loans | $25,659,800 | 6,379 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 6,774 |
| Cost of funding earning assets | 0.6761% | 5,901 |
| Net interest margin | 3.1891% | 6,187 |
| Noninterest income to average assets | 0.2286% | 5,981 |
| Noninterest expense to average assets | 2.2767% | 6,098 |
| Loan and lease loss provision to assets | 0.0710% | 5,564 |
| Net operating income to assets | 0.8158% | 3,077 |
| Return on assets (ROA) | 0.8055% | 3,297 |
| Pretax return on assets | 0.8632% | 3,902 |
| Return on Equity (ROE) | 7.3756% | 3,347 |
| Retained earnings to average equity (ytd only) | -8.2696% | 6,777 |
| Net charge-offs to loans | 0.3460% | 3,368 |
| Credit loss provision to net charge-offs | 48.4848% | 5,066 |
| Earnings coverage of net charge-offs (x) | 6.4544% | 2,551 |
| Efficiency ratio | 70.6612% | 3,822 |
| Assets per employee ($millions) | 4.1445% | 3,555 |
| Cash dividends to net income (ytd only)* | 212.1201% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5023% | 562 |
| Loan loss allowance to noncurrent loans | 498.2759% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 6,359 |
| Noncurrent loans to loans | 0.7029% | 5,474 |
| Net loans and leases to total assets | 38.4249% | 6,748 |
| Net loans and leases to deposits | 45.4516% | 6,764 |
| Net loans and leases to core deposits | 46.4241% | 6,827 |
| Total domestic deposits to total assets | 84.5403% | 3,989 |
| Equity capital to assets | 10.9574% | 3,188 |
| Core capital (leverage) ratio | 10.1854% | 3,210 |
| Tier 1 risk-based capital ratio | 17.3387% | 2,510 |
| Total risk-based capital ratio | 18.6023% | 2,470 |
| Memoranda: | ||
| Average total assets | $60,084,750 | 6,081 |
| Average earning assets | $56,399,750 | 6,014 |
| Average equity | $6,562,000 | 6,040 |
| Average total loans | $25,434,250 | 6,455 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 6,754 |
| Cost of funding earning assets | 0.6962% | 5,987 |
| Net interest margin | 3.2429% | 6,015 |
| Noninterest income to average assets | 0.2290% | 6,025 |
| Noninterest expense to average assets | 2.2832% | 6,171 |
| Loan and lease loss provision to assets | 0.0707% | 5,428 |
| Net operating income to assets | 0.8407% | 2,900 |
| Return on assets (ROA) | 0.8251% | 3,073 |
| Pretax return on assets | 0.8857% | 3,679 |
| Return on Equity (ROE) | 7.5633% | 3,164 |
| Retained earnings to average equity (ytd only) | -16.2070% | 7,069 |
| Net charge-offs to loans | 0.0390% | 5,304 |
| Credit loss provision to net charge-offs | 420.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 57.8000% | 552 |
| Efficiency ratio | 70.1138% | 4,097 |
| Assets per employee ($millions) | 3.9724% | 3,814 |
| Cash dividends to net income (ytd only)* | 314.2857% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5976% | 563 |
| Loan loss allowance to noncurrent loans | 343.4457% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 6,029 |
| Noncurrent loans to loans | 1.0475% | 4,900 |
| Net loans and leases to total assets | 41.2379% | 6,650 |
| Net loans and leases to deposits | 48.8548% | 6,674 |
| Net loans and leases to core deposits | 49.6745% | 6,772 |
| Total domestic deposits to total assets | 84.4091% | 4,167 |
| Equity capital to assets | 11.0445% | 2,907 |
| Core capital (leverage) ratio | 10.4738% | 2,739 |
| Tier 1 risk-based capital ratio | 16.8885% | 2,572 |
| Total risk-based capital ratio | 18.1536% | 2,533 |
| Memoranda: | ||
| Average total assets | $59,390,330 | 6,163 |
| Average earning assets | $55,443,670 | 6,107 |
| Average equity | $6,478,670 | 6,091 |
| Average total loans | $25,660,670 | 6,498 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9283% | 6,792 |
| Cost of funding earning assets | 0.6920% | 6,176 |
| Net interest margin | 3.2364% | 5,965 |
| Noninterest income to average assets | 0.2294% | 6,083 |
| Noninterest expense to average assets | 2.3274% | 6,120 |
| Loan and lease loss provision to assets | 0.0742% | 5,070 |
| Net operating income to assets | 0.8004% | 3,032 |
| Return on assets (ROA) | 0.7691% | 3,245 |
| Pretax return on assets | 0.8230% | 3,816 |
| Return on Equity (ROE) | 7.0945% | 3,331 |
| Retained earnings to average equity (ytd only) | -37.4640% | 7,345 |
| Net charge-offs to loans | 0.1398% | 3,671 |
| Credit loss provision to net charge-offs | 122.2222% | 2,242 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 1,320 |
| Efficiency ratio | 71.4286% | 3,971 |
| Assets per employee ($millions) | 3.9155% | 4,037 |
| Cash dividends to net income (ytd only)* | 628.0702% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4760% | 618 |
| Loan loss allowance to noncurrent loans | 351.3619% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 6,115 |
| Noncurrent loans to loans | 0.9893% | 5,062 |
| Net loans and leases to total assets | 42.6939% | 6,563 |
| Net loans and leases to deposits | 50.0379% | 6,618 |
| Net loans and leases to core deposits | 50.9509% | 6,733 |
| Total domestic deposits to total assets | 85.3232% | 3,877 |
| Equity capital to assets | 10.4406% | 3,246 |
| Core capital (leverage) ratio | 10.4525% | 2,661 |
| Tier 1 risk-based capital ratio | 19.1177% | 1,771 |
| Total risk-based capital ratio | 20.3885% | 1,733 |
| Memoranda: | ||
| Average total assets | $59,292,500 | 6,206 |
| Average earning assets | $55,494,500 | 6,145 |
| Average equity | $6,427,500 | 6,120 |
| Average total loans | $25,746,500 | 6,544 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3699% | 6,674 |
| Cost of funding earning assets | 1.0283% | 5,543 |
| Net interest margin | 3.3415% | 5,829 |
| Noninterest income to average assets | 0.2642% | 5,899 |
| Noninterest expense to average assets | 2.3037% | 6,350 |
| Loan and lease loss provision to assets | 0.0720% | 6,426 |
| Net operating income to assets | 0.8238% | 2,696 |
| Return on assets (ROA) | 0.8302% | 2,812 |
| Pretax return on assets | 0.8886% | 3,342 |
| Return on Equity (ROE) | 7.1022% | 3,064 |
| Retained earnings to average equity (ytd only) | 3.7565% | 3,236 |
| Net charge-offs to loans | -0.1805% | 7,537 |
| Credit loss provision to net charge-offs | -89.3617% | 7,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7214% | 4,032 |
| Assets per employee ($millions) | 3.9902% | 3,808 |
| Cash dividends to net income (ytd only)* | 47.1074% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5313% | 589 |
| Loan loss allowance to noncurrent loans | 345.2107% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 6,179 |
| Noncurrent loans to loans | 1.0229% | 5,024 |
| Net loans and leases to total assets | 41.1241% | 6,894 |
| Net loans and leases to deposits | 48.6030% | 6,918 |
| Net loans and leases to core deposits | 49.4803% | 7,002 |
| Total domestic deposits to total assets | 84.6123% | 4,052 |
| Equity capital to assets | 11.2325% | 2,470 |
| Core capital (leverage) ratio | 11.3797% | 1,905 |
| Tier 1 risk-based capital ratio | 18.1378% | 1,955 |
| Total risk-based capital ratio | 19.4030% | 1,919 |
| Memoranda: | ||
| Average total assets | $58,297,200 | 6,264 |
| Average earning assets | $52,221,400 | 6,280 |
| Average equity | $6,814,800 | 6,099 |
| Average total loans | $26,042,600 | 6,613 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 6,623 |
| Cost of funding earning assets | 1.1131% | 5,362 |
| Net interest margin | 3.3782% | 5,752 |
| Noninterest income to average assets | 0.2763% | 5,894 |
| Noninterest expense to average assets | 2.3531% | 6,168 |
| Loan and lease loss provision to assets | 0.0737% | 6,319 |
| Net operating income to assets | 0.7902% | 3,042 |
| Return on assets (ROA) | 0.7966% | 3,175 |
| Pretax return on assets | 0.8542% | 3,716 |
| Return on Equity (ROE) | 6.7467% | 3,458 |
| Retained earnings to average equity (ytd only) | 2.3009% | 4,785 |
| Net charge-offs to loans | -0.1732% | 7,610 |
| Credit loss provision to net charge-offs | -94.1176% | 6,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8706% | 3,724 |
| Assets per employee ($millions) | 3.7610% | 4,365 |
| Cash dividends to net income (ytd only)* | 65.8957% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3319% | 616 |
| Loan loss allowance to noncurrent loans | 146.3333% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0635% | 4,988 |
| Noncurrent loans to loans | 2.2770% | 3,356 |
| Net loans and leases to total assets | 45.1529% | 6,760 |
| Net loans and leases to deposits | 54.3169% | 6,747 |
| Net loans and leases to core deposits | 54.3169% | 6,941 |
| Total domestic deposits to total assets | 83.1286% | 4,535 |
| Equity capital to assets | 12.2769% | 1,993 |
| Core capital (leverage) ratio | 11.3677% | 2,031 |
| Tier 1 risk-based capital ratio | 17.9336% | 2,039 |
| Total risk-based capital ratio | 19.1973% | 2,001 |
| Memoranda: | ||
| Average total assets | $57,908,250 | 6,353 |
| Average earning assets | $51,386,750 | 6,390 |
| Average equity | $6,837,750 | 6,167 |
| Average total loans | $26,174,500 | 6,695 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4926% | 6,727 |
| Cost of funding earning assets | 1.1820% | 5,227 |
| Net interest margin | 3.3105% | 5,980 |
| Noninterest income to average assets | 0.2774% | 5,933 |
| Noninterest expense to average assets | 2.3559% | 6,196 |
| Loan and lease loss provision to assets | 0.0719% | 6,226 |
| Net operating income to assets | 0.6891% | 3,450 |
| Return on assets (ROA) | 0.7020% | 3,554 |
| Pretax return on assets | 0.7499% | 4,066 |
| Return on Equity (ROE) | 6.0220% | 3,796 |
| Retained earnings to average equity (ytd only) | 1.3807% | 5,192 |
| Net charge-offs to loans | -0.2604% | 7,675 |
| Credit loss provision to net charge-offs | -61.7647% | 6,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4589% | 3,383 |
| Assets per employee ($millions) | 3.8877% | 4,011 |
| Cash dividends to net income (ytd only)* | 77.0732% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1691% | 721 |
| Loan loss allowance to noncurrent loans | 144.0199% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 1.0323% | 5,073 |
| Noncurrent loans to loans | 2.2005% | 3,479 |
| Net loans and leases to total assets | 45.4266% | 6,812 |
| Net loans and leases to deposits | 56.3782% | 6,693 |
| Net loans and leases to core deposits | 56.3782% | 6,921 |
| Total domestic deposits to total assets | 80.5748% | 5,541 |
| Equity capital to assets | 11.8132% | 2,215 |
| Core capital (leverage) ratio | 11.1558% | 2,131 |
| Tier 1 risk-based capital ratio | 16.3225% | 2,547 |
| Total risk-based capital ratio | 17.5839% | 2,487 |
| Memoranda: | ||
| Average total assets | $58,406,000 | 6,373 |
| Average earning assets | $50,928,670 | 6,448 |
| Average equity | $6,808,330 | 6,201 |
| Average total loans | $26,115,670 | 6,741 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4744% | 6,839 |
| Cost of funding earning assets | 1.2567% | 5,078 |
| Net interest margin | 3.2177% | 6,237 |
| Noninterest income to average assets | 0.2737% | 5,966 |
| Noninterest expense to average assets | 2.3952% | 6,106 |
| Loan and lease loss provision to assets | 0.0684% | 5,951 |
| Net operating income to assets | 0.5286% | 4,241 |
| Return on assets (ROA) | 0.5543% | 4,256 |
| Pretax return on assets | 0.5885% | 4,658 |
| Return on Equity (ROE) | 4.7872% | 4,478 |
| Retained earnings to average equity (ytd only) | -0.4137% | 5,925 |
| Net charge-offs to loans | -0.1412% | 7,595 |
| Credit loss provision to net charge-offs | -111.1111% | 6,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1855% | 2,687 |
| Assets per employee ($millions) | 3.8786% | 4,146 |
| Cash dividends to net income (ytd only)* | 108.6420% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2793% | 648 |
| Loan loss allowance to noncurrent loans | 249.5495% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 6,068 |
| Noncurrent loans to loans | 1.3141% | 4,785 |
| Net loans and leases to total assets | 42.1286% | 7,122 |
| Net loans and leases to deposits | 50.4955% | 7,107 |
| Net loans and leases to core deposits | 50.4955% | 7,264 |
| Total domestic deposits to total assets | 83.4304% | 4,415 |
| Equity capital to assets | 11.5282% | 2,338 |
| Core capital (leverage) ratio | 11.1260% | 2,146 |
| Tier 1 risk-based capital ratio | 16.4762% | 2,464 |
| Total risk-based capital ratio | 17.7371% | 2,407 |
| Memoranda: | ||
| Average total assets | $58,451,000 | 6,449 |
| Average earning assets | $49,973,500 | 6,550 |
| Average equity | $6,768,000 | 6,267 |
| Average total loans | $25,494,500 | 6,846 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3372% | 4,993 |
| Cost of funding earning assets | 1.5297% | 5,375 |
| Net interest margin | 3.8075% | 3,671 |
| Noninterest income to average assets | 0.2774% | 6,116 |
| Noninterest expense to average assets | 2.4970% | 6,139 |
| Loan and lease loss provision to assets | 0.0427% | 7,126 |
| Net operating income to assets | 0.8826% | 2,234 |
| Return on assets (ROA) | 0.8892% | 2,285 |
| Pretax return on assets | 0.9497% | 2,761 |
| Return on Equity (ROE) | 7.3727% | 2,630 |
| Retained earnings to average equity (ytd only) | 3.4799% | 2,734 |
| Net charge-offs to loans | 0.5954% | 3,435 |
| Credit loss provision to net charge-offs | 14.9068% | 6,959 |
| Earnings coverage of net charge-offs (x) | 3.4410% | 3,341 |
| Efficiency ratio | 71.7058% | 4,318 |
| Assets per employee ($millions) | 3.9149% | 3,990 |
| Cash dividends to net income (ytd only)* | 52.8000% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1659% | 672 |
| Loan loss allowance to noncurrent loans | 150.9294% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 1.0865% | 4,919 |
| Noncurrent loans to loans | 2.0976% | 3,521 |
| Net loans and leases to total assets | 42.2935% | 7,235 |
| Net loans and leases to deposits | 50.8559% | 7,209 |
| Net loans and leases to core deposits | 57.4283% | 7,358 |
| Total domestic deposits to total assets | 83.1633% | 4,443 |
| Equity capital to assets | 11.6292% | 2,224 |
| Core capital (leverage) ratio | 11.3101% | 2,031 |
| Tier 1 risk-based capital ratio | 15.0852% | 2,892 |
| Total risk-based capital ratio | 16.3443% | 2,844 |
| Memoranda: | ||
| Average total assets | $56,227,800 | 6,486 |
| Average earning assets | $47,328,200 | 6,624 |
| Average equity | $6,781,800 | 6,341 |
| Average total loans | $27,040,200 | 6,801 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5010% | 4,415 |
| Cost of funding earning assets | 1.5830% | 5,478 |
| Net interest margin | 3.9179% | 3,168 |
| Noninterest income to average assets | 0.2710% | 6,294 |
| Noninterest expense to average assets | 2.6113% | 5,675 |
| Loan and lease loss provision to assets | 0.0336% | 7,024 |
| Net operating income to assets | 0.8879% | 2,460 |
| Return on assets (ROA) | 0.8968% | 2,501 |
| Pretax return on assets | 0.9591% | 3,029 |
| Return on Equity (ROE) | 7.3656% | 2,923 |
| Retained earnings to average equity (ytd only) | 2.1663% | 4,114 |
| Net charge-offs to loans | 0.3943% | 3,692 |
| Credit loss provision to net charge-offs | 17.2840% | 6,592 |
| Earnings coverage of net charge-offs (x) | 5.0616% | 2,938 |
| Efficiency ratio | 72.6484% | 4,116 |
| Assets per employee ($millions) | 3.6554% | 4,529 |
| Cash dividends to net income (ytd only)* | 70.5886% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1435% | 592 |
| Loan loss allowance to noncurrent loans | 116.2055% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.5666% | 4,011 |
| Noncurrent loans to loans | 2.7051% | 2,802 |
| Net loans and leases to total assets | 49.5632% | 6,813 |
| Net loans and leases to deposits | 59.4154% | 6,871 |
| Net loans and leases to core deposits | 67.3457% | 7,097 |
| Total domestic deposits to total assets | 83.4181% | 4,009 |
| Equity capital to assets | 12.2704% | 2,087 |
| Core capital (leverage) ratio | 11.3530% | 2,155 |
| Tier 1 risk-based capital ratio | 14.5328% | 3,259 |
| Total risk-based capital ratio | 15.7932% | 3,202 |
| Memoranda: | ||
| Average total assets | $55,604,000 | 6,557 |
| Average earning assets | $47,166,250 | 6,681 |
| Average equity | $6,770,000 | 6,400 |
| Average total loans | $27,388,250 | 6,832 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5817% | 4,166 |
| Cost of funding earning assets | 1.6296% | 5,615 |
| Net interest margin | 3.9521% | 2,881 |
| Noninterest income to average assets | 0.2685% | 6,350 |
| Noninterest expense to average assets | 2.6566% | 5,533 |
| Loan and lease loss provision to assets | 0.0143% | 7,077 |
| Net operating income to assets | 0.9065% | 2,432 |
| Return on assets (ROA) | 0.9165% | 2,485 |
| Pretax return on assets | 0.9774% | 3,091 |
| Return on Equity (ROE) | 7.5472% | 2,948 |
| Retained earnings to average equity (ytd only) | 2.3290% | 4,040 |
| Net charge-offs to loans | 0.0221% | 6,190 |
| Credit loss provision to net charge-offs | 133.3333% | 3,495 |
| Earnings coverage of net charge-offs (x) | 91.3333% | 420 |
| Efficiency ratio | 73.0315% | 4,187 |
| Assets per employee ($millions) | 3.6588% | 4,433 |
| Cash dividends to net income (ytd only)* | 69.1406% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5323% | 369 |
| Loan loss allowance to noncurrent loans | 84.2946% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 2.0535% | 3,125 |
| Noncurrent loans to loans | 4.1904% | 1,585 |
| Net loans and leases to total assets | 47.2742% | 7,098 |
| Net loans and leases to deposits | 56.9907% | 7,093 |
| Net loans and leases to core deposits | 64.0902% | 7,298 |
| Total domestic deposits to total assets | 82.9507% | 4,260 |
| Equity capital to assets | 12.2244% | 2,071 |
| Core capital (leverage) ratio | 11.3623% | 2,160 |
| Tier 1 risk-based capital ratio | 14.3655% | 3,322 |
| Total risk-based capital ratio | 15.6267% | 3,253 |
| Memoranda: | ||
| Average total assets | $55,861,670 | 6,600 |
| Average earning assets | $47,620,000 | 6,726 |
| Average equity | $6,784,000 | 6,445 |
| Average total loans | $27,165,000 | 6,902 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5751% | 4,494 |
| Cost of funding earning assets | 1.6383% | 5,869 |
| Net interest margin | 3.9368% | 2,900 |
| Noninterest income to average assets | 0.2413% | 6,526 |
| Noninterest expense to average assets | 2.4276% | 6,106 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1570% | 1,782 |
| Return on assets (ROA) | 1.1570% | 1,903 |
| Pretax return on assets | 1.2422% | 2,478 |
| Return on Equity (ROE) | 9.5580% | 2,511 |
| Retained earnings to average equity (ytd only) | 5.0429% | 3,100 |
| Net charge-offs to loans | 0.0293% | 5,114 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 489 |
| Efficiency ratio | 66.1509% | 5,300 |
| Assets per employee ($millions) | 3.6496% | 4,449 |
| Cash dividends to net income (ytd only)* | 47.2393% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5909% | 304 |
| Loan loss allowance to noncurrent loans | 187.5248% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.9225% | 4,885 |
| Noncurrent loans to loans | 1.9149% | 3,387 |
| Net loans and leases to total assets | 46.4434% | 7,162 |
| Net loans and leases to deposits | 55.9960% | 7,160 |
| Net loans and leases to core deposits | 63.3140% | 7,340 |
| Total domestic deposits to total assets | 82.9406% | 4,174 |
| Equity capital to assets | 12.4342% | 2,011 |
| Core capital (leverage) ratio | 11.2066% | 2,335 |
| Tier 1 risk-based capital ratio | 15.0127% | 3,062 |
| Total risk-based capital ratio | 16.2742% | 2,994 |
| Memoranda: | ||
| Average total assets | $56,351,500 | 6,618 |
| Average earning assets | $49,075,000 | 6,706 |
| Average equity | $6,821,500 | 6,472 |
| Average total loans | $27,300,000 | 6,924 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0933% | 5,081 |
| Cost of funding earning assets | 2.0100% | 6,378 |
| Net interest margin | 4.0832% | 2,783 |
| Noninterest income to average assets | 0.2760% | 6,485 |
| Noninterest expense to average assets | 2.2897% | 6,735 |
| Loan and lease loss provision to assets | 0.0605% | 6,649 |
| Net operating income to assets | 1.4831% | 1,059 |
| Return on assets (ROA) | 1.5428% | 906 |
| Pretax return on assets | 1.6544% | 1,248 |
| Return on Equity (ROE) | 13.1185% | 1,301 |
| Retained earnings to average equity (ytd only) | 9.1798% | 575 |
| Net charge-offs to loans | -0.1144% | 8,108 |
| Credit loss provision to net charge-offs | -100.0000% | 7,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1094% | 6,678 |
| Assets per employee ($millions) | 3.8639% | 3,823 |
| Cash dividends to net income (ytd only)* | 30.0245% | 4,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3619% | 315 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 5,679 |
| Noncurrent loans to loans | 1.0344% | 4,516 |
| Net loans and leases to total assets | 47.0660% | 7,248 |
| Net loans and leases to deposits | 55.9099% | 7,326 |
| Net loans and leases to core deposits | 62.1220% | 7,506 |
| Total domestic deposits to total assets | 84.1819% | 3,226 |
| Equity capital to assets | 11.7945% | 2,436 |
| Core capital (leverage) ratio | 10.9429% | 2,632 |
| Tier 1 risk-based capital ratio | 14.6085% | 3,253 |
| Total risk-based capital ratio | 15.8697% | 3,165 |
| Memoranda: | ||
| Average total assets | $52,889,400 | 6,668 |
| Average earning assets | $47,462,200 | 6,689 |
| Average equity | $6,220,200 | 6,726 |
| Average total loans | $27,974,400 | 6,847 |