Home > Bank of Maple Plain > Performance and Condition Ratios
Bank of Maple Plain, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 4,156 |
| Cost of funding earning assets | 1.6200% | 3,138 |
| Net interest margin | 2.5895% | 3,790 |
| Noninterest income to average assets | 0.3500% | 2,750 |
| Noninterest expense to average assets | 2.5703% | 2,107 |
| Loan and lease loss provision to assets | 0.6500% | 142 |
| Net operating income to assets | -0.3981% | 4,325 |
| Return on assets (ROA) | -0.3970% | 4,352 |
| Pretax return on assets | -0.3884% | 4,341 |
| Return on Equity (ROE) | -4.1200% | 4,335 |
| Retained earnings to average equity (ytd only) | -8.6391% | 4,380 |
| Net charge-offs to loans | 1.4058% | 105 |
| Credit loss provision to net charge-offs | 96.6184% | 1,958 |
| Earnings coverage of net charge-offs (x) | 0.3865% | 2,981 |
| Efficiency ratio | 90.8257% | 474 |
| Assets per employee ($millions) | 8.8726% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 1,904 |
| Loan loss allowance to noncurrent loans | 61.0056% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.0087% | 656 |
| Noncurrent loans to loans | 2.0510% | 390 |
| Net loans and leases to total assets | 48.5700% | 3,701 |
| Net loans and leases to deposits | 54.5449% | 3,776 |
| Net loans and leases to core deposits | 59.4941% | 3,770 |
| Total domestic deposits to total assets | 89.0400% | 1,149 |
| Equity capital to assets | 9.1405% | 2,716 |
| Core capital (leverage) ratio | 12.7487% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6036% | 385 |
| Memoranda: | ||
| Average total assets | $92,439,800 | 3,843 |
| Average earning assets | $88,703,800 | 3,797 |
| Average equity | $8,901,400 | 3,875 |
| Average total loans | $44,172,600 | 3,903 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2263% | 4,140 |
| Cost of funding earning assets | 1.5957% | 3,183 |
| Net interest margin | 2.6307% | 3,718 |
| Noninterest income to average assets | 0.3600% | 2,665 |
| Noninterest expense to average assets | 2.4462% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.4141% | 3,657 |
| Return on assets (ROA) | 0.4141% | 3,691 |
| Pretax return on assets | 0.4427% | 3,741 |
| Return on Equity (ROE) | 4.2500% | 3,684 |
| Retained earnings to average equity (ytd only) | 2.7694% | 3,250 |
| Net charge-offs to loans | 0.1866% | 622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,400 |
| Efficiency ratio | 84.6762% | 773 |
| Assets per employee ($millions) | 7.6638% | 1,710 |
| Cash dividends to net income (ytd only)* | 34.8276% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 2,550 |
| Loan loss allowance to noncurrent loans | 47.3290% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.1602% | 537 |
| Noncurrent loans to loans | 2.4043% | 297 |
| Net loans and leases to total assets | 47.7100% | 3,744 |
| Net loans and leases to deposits | 58.8005% | 3,645 |
| Net loans and leases to core deposits | 63.2008% | 3,678 |
| Total domestic deposits to total assets | 81.1300% | 3,277 |
| Equity capital to assets | 10.8997% | 1,782 |
| Core capital (leverage) ratio | 13.7315% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4658% | 270 |
| Memoranda: | ||
| Average total assets | $93,368,250 | 3,849 |
| Average earning assets | $89,658,000 | 3,804 |
| Average equity | $9,099,250 | 3,871 |
| Average total loans | $44,306,500 | 3,913 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 4,158 |
| Cost of funding earning assets | 1.4606% | 3,369 |
| Net interest margin | 2.7106% | 3,567 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 2.4149% | 2,477 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5669% | 3,265 |
| Return on assets (ROA) | 0.5669% | 3,297 |
| Pretax return on assets | 0.5968% | 3,454 |
| Return on Equity (ROE) | 6.0500% | 3,271 |
| Retained earnings to average equity (ytd only) | 5.2781% | 2,255 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 80.1840% | 1,107 |
| Assets per employee ($millions) | 7.7203% | 1,604 |
| Cash dividends to net income (ytd only)* | 12.7820% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,020 |
| Loan loss allowance to noncurrent loans | 95.4545% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 1,060 |
| Noncurrent loans to loans | 1.3030% | 691 |
| Net loans and leases to total assets | 48.5900% | 3,719 |
| Net loans and leases to deposits | 59.9774% | 3,577 |
| Net loans and leases to core deposits | 63.9465% | 3,627 |
| Total domestic deposits to total assets | 81.0200% | 3,280 |
| Equity capital to assets | 9.3456% | 2,499 |
| Core capital (leverage) ratio | 13.8672% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7336% | 280 |
| Memoranda: | ||
| Average total assets | $93,835,667 | 3,854 |
| Average earning assets | $90,236,667 | 3,811 |
| Average equity | $8,791,000 | 3,885 |
| Average total loans | $44,282,333 | 3,928 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 4,217 |
| Cost of funding earning assets | 1.2311% | 3,674 |
| Net interest margin | 2.8226% | 3,339 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 2.4271% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5380% | 3,308 |
| Return on assets (ROA) | 0.5380% | 3,331 |
| Pretax return on assets | 0.5676% | 3,450 |
| Return on Equity (ROE) | 5.7400% | 3,289 |
| Retained earnings to average equity (ytd only) | 5.7353% | 2,180 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 81.0467% | 1,127 |
| Assets per employee ($millions) | 7.8619% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 1,869 |
| Loan loss allowance to noncurrent loans | 164.8256% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 1,662 |
| Noncurrent loans to loans | 0.7751% | 1,145 |
| Net loans and leases to total assets | 46.4400% | 3,785 |
| Net loans and leases to deposits | 52.0052% | 3,851 |
| Net loans and leases to core deposits | 55.0382% | 3,937 |
| Total domestic deposits to total assets | 89.3100% | 1,011 |
| Equity capital to assets | 9.3404% | 2,438 |
| Core capital (leverage) ratio | 13.5461% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3716% | 329 |
| Memoranda: | ||
| Average total assets | $94,432,000 | 3,869 |
| Average earning assets | $90,979,000 | 3,825 |
| Average equity | $8,857,500 | 3,899 |
| Average total loans | $43,630,500 | 3,956 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6496% | 4,314 |
| Cost of funding earning assets | 1.0728% | 3,138 |
| Net interest margin | 2.5768% | 4,000 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.1877% | 3,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5964% | 3,451 |
| Return on assets (ROA) | 0.5974% | 3,441 |
| Pretax return on assets | 0.6236% | 3,595 |
| Return on Equity (ROE) | 6.8600% | 3,313 |
| Retained earnings to average equity (ytd only) | 2.4148% | 3,475 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.8481% | 1,081 |
| Assets per employee ($millions) | 7.8768% | 1,504 |
| Cash dividends to net income (ytd only)* | 64.7986% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 1,682 |
| Loan loss allowance to noncurrent loans | 100.7117% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.5946% | 929 |
| Noncurrent loans to loans | 1.3107% | 532 |
| Net loans and leases to total assets | 44.7600% | 3,872 |
| Net loans and leases to deposits | 50.3684% | 3,939 |
| Net loans and leases to core deposits | 53.1012% | 4,000 |
| Total domestic deposits to total assets | 88.8700% | 1,103 |
| Equity capital to assets | 9.4191% | 2,406 |
| Core capital (leverage) ratio | 13.3614% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5786% | 264 |
| Memoranda: | ||
| Average total assets | $95,579,800 | 3,866 |
| Average earning assets | $91,818,400 | 3,822 |
| Average equity | $8,323,800 | 3,897 |
| Average total loans | $41,519,600 | 3,968 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5880% | 4,314 |
| Cost of funding earning assets | 0.9813% | 3,087 |
| Net interest margin | 2.6067% | 4,024 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.1479% | 3,216 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6734% | 3,379 |
| Return on assets (ROA) | 0.6747% | 3,367 |
| Pretax return on assets | 0.7067% | 3,536 |
| Return on Equity (ROE) | 7.9100% | 3,208 |
| Retained earnings to average equity (ytd only) | 6.7651% | 2,367 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.2804% | 1,245 |
| Assets per employee ($millions) | 7.7873% | 1,454 |
| Cash dividends to net income (ytd only)* | 14.4330% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 1,796 |
| Loan loss allowance to noncurrent loans | 73.5065% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8240% | 672 |
| Noncurrent loans to loans | 1.7891% | 364 |
| Net loans and leases to total assets | 45.4500% | 3,856 |
| Net loans and leases to deposits | 52.6444% | 3,855 |
| Net loans and leases to core deposits | 55.6221% | 3,869 |
| Total domestic deposits to total assets | 86.3400% | 2,089 |
| Equity capital to assets | 7.8665% | 3,139 |
| Core capital (leverage) ratio | 13.5195% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1778% | 314 |
| Memoranda: | ||
| Average total assets | $95,844,500 | 3,879 |
| Average earning assets | $92,120,250 | 3,836 |
| Average equity | $8,179,000 | 3,913 |
| Average total loans | $41,180,250 | 3,982 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4356% | 4,402 |
| Cost of funding earning assets | 0.8934% | 2,946 |
| Net interest margin | 2.5422% | 4,168 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.1067% | 3,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6479% | 3,467 |
| Return on assets (ROA) | 0.6498% | 3,465 |
| Pretax return on assets | 0.6974% | 3,607 |
| Return on Equity (ROE) | 7.4300% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.4276% | 2,153 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.1846% | 1,245 |
| Assets per employee ($millions) | 7.9259% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 1,718 |
| Loan loss allowance to noncurrent loans | 149.7354% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 1,344 |
| Noncurrent loans to loans | 0.9010% | 849 |
| Net loans and leases to total assets | 43.5100% | 3,899 |
| Net loans and leases to deposits | 51.0258% | 3,878 |
| Net loans and leases to core deposits | 53.6846% | 3,908 |
| Total domestic deposits to total assets | 85.2800% | 2,468 |
| Equity capital to assets | 8.6678% | 2,734 |
| Core capital (leverage) ratio | 13.2501% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5288% | 303 |
| Memoranda: | ||
| Average total assets | $96,643,667 | 3,880 |
| Average earning assets | $92,675,333 | 3,843 |
| Average equity | $8,455,000 | 3,907 |
| Average total loans | $40,560,667 | 4,006 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3530% | 4,406 |
| Cost of funding earning assets | 0.7066% | 3,035 |
| Net interest margin | 2.6465% | 4,153 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.0409% | 3,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8504% | 3,018 |
| Return on assets (ROA) | 0.8541% | 2,954 |
| Pretax return on assets | 0.9445% | 3,139 |
| Return on Equity (ROE) | 9.7200% | 2,869 |
| Retained earnings to average equity (ytd only) | 9.7191% | 1,762 |
| Net charge-offs to loans | -0.0100% | 3,846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.4573% | 1,924 |
| Assets per employee ($millions) | 8.0259% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 1,767 |
| Loan loss allowance to noncurrent loans | 49.1761% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.1972% | 305 |
| Noncurrent loans to loans | 2.7738% | 166 |
| Net loans and leases to total assets | 42.5700% | 3,926 |
| Net loans and leases to deposits | 49.3204% | 3,919 |
| Net loans and leases to core deposits | 50.9677% | 3,960 |
| Total domestic deposits to total assets | 86.3200% | 2,500 |
| Equity capital to assets | 9.4444% | 2,187 |
| Core capital (leverage) ratio | 12.7638% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $97,410,000 | 3,928 |
| Average earning assets | $93,407,500 | 3,887 |
| Average equity | $8,560,500 | 3,942 |
| Average total loans | $39,865,000 | 4,068 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8159% | 4,307 |
| Cost of funding earning assets | 0.3023% | 2,855 |
| Net interest margin | 2.5136% | 4,278 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.8742% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7302% | 3,533 |
| Return on assets (ROA) | 0.7344% | 3,465 |
| Pretax return on assets | 0.8441% | 3,504 |
| Return on Equity (ROE) | 7.9800% | 3,393 |
| Retained earnings to average equity (ytd only) | 1.3514% | 4,131 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.0725% | 1,815 |
| Assets per employee ($millions) | 8.2091% | 1,229 |
| Cash dividends to net income (ytd only)* | 83.0667% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 1,247 |
| Loan loss allowance to noncurrent loans | 45.6452% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.2588% | 292 |
| Noncurrent loans to loans | 3.2493% | 125 |
| Net loans and leases to total assets | 38.1700% | 4,138 |
| Net loans and leases to deposits | 42.0081% | 4,174 |
| Net loans and leases to core deposits | 42.6931% | 4,215 |
| Total domestic deposits to total assets | 90.8500% | 1,010 |
| Equity capital to assets | 8.1465% | 2,968 |
| Core capital (leverage) ratio | 12.6548% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6795% | 289 |
| Memoranda: | ||
| Average total assets | $102,121,600 | 3,908 |
| Average earning assets | $96,595,600 | 3,869 |
| Average equity | $9,397,400 | 3,946 |
| Average total loans | $38,601,600 | 4,089 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6695% | 4,316 |
| Cost of funding earning assets | 0.2508% | 2,700 |
| Net interest margin | 2.4187% | 4,301 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.7510% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7733% | 3,346 |
| Return on assets (ROA) | 0.7778% | 3,282 |
| Pretax return on assets | 0.8968% | 3,325 |
| Return on Equity (ROE) | 8.2300% | 3,262 |
| Retained earnings to average equity (ytd only) | 6.1871% | 2,682 |
| Net charge-offs to loans | -0.0138% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.2586% | 2,245 |
| Assets per employee ($millions) | 8.2351% | 1,201 |
| Cash dividends to net income (ytd only)* | 24.7920% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 1,170 |
| Loan loss allowance to noncurrent loans | 38.1016% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.5138% | 220 |
| Noncurrent loans to loans | 4.0664% | 92 |
| Net loans and leases to total assets | 36.6500% | 4,198 |
| Net loans and leases to deposits | 40.0122% | 4,234 |
| Net loans and leases to core deposits | 40.7945% | 4,257 |
| Total domestic deposits to total assets | 91.6000% | 1,009 |
| Equity capital to assets | 7.7210% | 3,074 |
| Core capital (leverage) ratio | 12.4263% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8702% | 274 |
| Memoranda: | ||
| Average total assets | $103,024,750 | 3,927 |
| Average earning assets | $97,294,500 | 3,888 |
| Average equity | $9,740,500 | 3,945 |
| Average total loans | $38,711,500 | 4,109 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5372% | 4,341 |
| Cost of funding earning assets | 0.2327% | 2,471 |
| Net interest margin | 2.3045% | 4,330 |
| Noninterest income to average assets | 0.3256% | 3,217 |
| Noninterest expense to average assets | 1.7180% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6368% | 3,520 |
| Return on assets (ROA) | 0.6416% | 3,450 |
| Pretax return on assets | 0.7757% | 3,389 |
| Return on Equity (ROE) | 6.4152% | 3,468 |
| Retained earnings to average equity (ytd only) | 3.5619% | 3,251 |
| Net charge-offs to loans | -0.0051% | 3,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0531% | 2,098 |
| Assets per employee ($millions) | 7.6764% | 1,495 |
| Cash dividends to net income (ytd only)* | 44.4776% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 1,252 |
| Loan loss allowance to noncurrent loans | 121.9355% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 1,214 |
| Noncurrent loans to loans | 1.2781% | 617 |
| Net loans and leases to total assets | 35.8903% | 4,253 |
| Net loans and leases to deposits | 39.6910% | 4,275 |
| Net loans and leases to core deposits | 40.6317% | 4,303 |
| Total domestic deposits to total assets | 90.4242% | 1,505 |
| Equity capital to assets | 8.8764% | 2,470 |
| Core capital (leverage) ratio | 12.4496% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3497% | 260 |
| Memoranda: | ||
| Average total assets | $104,426,000 | 3,953 |
| Average earning assets | $97,982,333 | 3,931 |
| Average equity | $10,444,000 | 3,939 |
| Average total loans | $39,352,333 | 4,149 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4377% | 4,338 |
| Cost of funding earning assets | 0.2446% | 2,223 |
| Net interest margin | 2.1931% | 4,356 |
| Noninterest income to average assets | 0.4010% | 2,679 |
| Noninterest expense to average assets | 1.6713% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7794% | 2,730 |
| Return on assets (ROA) | 0.7869% | 2,704 |
| Pretax return on assets | 0.7869% | 3,150 |
| Return on Equity (ROE) | 7.4753% | 2,877 |
| Retained earnings to average equity (ytd only) | 7.4753% | 1,740 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1957% | 2,479 |
| Assets per employee ($millions) | 8.4399% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,742 |
| Loan loss allowance to noncurrent loans | 43.6392% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.2806% | 324 |
| Noncurrent loans to loans | 3.3088% | 144 |
| Net loans and leases to total assets | 38.1451% | 4,112 |
| Net loans and leases to deposits | 42.6785% | 4,133 |
| Net loans and leases to core deposits | 43.6842% | 4,177 |
| Total domestic deposits to total assets | 89.3779% | 1,884 |
| Equity capital to assets | 10.0248% | 1,872 |
| Core capital (leverage) ratio | 11.8685% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4440% | 318 |
| Memoranda: | ||
| Average total assets | $106,742,500 | 3,948 |
| Average earning assets | $99,767,000 | 3,937 |
| Average equity | $11,237,000 | 3,933 |
| Average total loans | $40,837,000 | 4,145 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0820% | 3,719 |
| Cost of funding earning assets | 0.2827% | 2,573 |
| Net interest margin | 2.7993% | 3,668 |
| Noninterest income to average assets | 0.2470% | 3,895 |
| Noninterest expense to average assets | 1.7059% | 4,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0763% | 2,383 |
| Return on assets (ROA) | 1.0772% | 2,453 |
| Pretax return on assets | 1.1348% | 2,873 |
| Return on Equity (ROE) | 9.0960% | 2,875 |
| Retained earnings to average equity (ytd only) | 3.7325% | 3,325 |
| Net charge-offs to loans | -0.0480% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0719% | 3,134 |
| Assets per employee ($millions) | 9.3505% | 827 |
| Cash dividends to net income (ytd only)* | 58.9655% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 2,223 |
| Loan loss allowance to noncurrent loans | 149.7354% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 1,883 |
| Noncurrent loans to loans | 0.8899% | 1,141 |
| Net loans and leases to total assets | 37.3501% | 4,232 |
| Net loans and leases to deposits | 42.3640% | 4,260 |
| Net loans and leases to core deposits | 43.6034% | 4,282 |
| Total domestic deposits to total assets | 88.1646% | 1,951 |
| Equity capital to assets | 10.9807% | 1,802 |
| Core capital (leverage) ratio | 10.9006% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7386% | 453 |
| Memoranda: | ||
| Average total assets | $107,687,400 | 3,915 |
| Average earning assets | $99,739,600 | 3,910 |
| Average equity | $12,752,800 | 3,847 |
| Average total loans | $43,714,200 | 4,116 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1250% | 3,755 |
| Cost of funding earning assets | 0.2872% | 2,724 |
| Net interest margin | 2.8378% | 3,690 |
| Noninterest income to average assets | 0.2427% | 3,943 |
| Noninterest expense to average assets | 1.7117% | 4,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1511% | 2,361 |
| Return on assets (ROA) | 1.1511% | 2,421 |
| Pretax return on assets | 1.1524% | 3,069 |
| Return on Equity (ROE) | 9.5378% | 2,912 |
| Retained earnings to average equity (ytd only) | 7.5784% | 2,188 |
| Net charge-offs to loans | -0.0666% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7641% | 3,012 |
| Assets per employee ($millions) | 11.1031% | 468 |
| Cash dividends to net income (ytd only)* | 20.5435% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 2,326 |
| Loan loss allowance to noncurrent loans | 309.8361% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 3,021 |
| Noncurrent loans to loans | 0.4298% | 2,269 |
| Net loans and leases to total assets | 37.8399% | 4,307 |
| Net loans and leases to deposits | 43.1759% | 4,338 |
| Net loans and leases to core deposits | 44.4607% | 4,363 |
| Total domestic deposits to total assets | 87.6413% | 2,038 |
| Equity capital to assets | 11.7283% | 1,529 |
| Core capital (leverage) ratio | 11.0873% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9907% | 486 |
| Memoranda: | ||
| Average total assets | $106,557,750 | 3,976 |
| Average earning assets | $98,429,750 | 3,971 |
| Average equity | $12,860,750 | 3,894 |
| Average total loans | $44,024,000 | 4,162 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1815% | 3,709 |
| Cost of funding earning assets | 0.2943% | 2,827 |
| Net interest margin | 2.8872% | 3,602 |
| Noninterest income to average assets | 0.2589% | 3,841 |
| Noninterest expense to average assets | 1.7931% | 4,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1155% | 2,484 |
| Return on assets (ROA) | 1.1155% | 2,552 |
| Pretax return on assets | 1.1174% | 3,158 |
| Return on Equity (ROE) | 9.1512% | 3,051 |
| Retained earnings to average equity (ytd only) | 6.1997% | 2,731 |
| Net charge-offs to loans | -0.0090% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6089% | 2,782 |
| Assets per employee ($millions) | 9.1748% | 806 |
| Cash dividends to net income (ytd only)* | 32.2526% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,999 |
| Loan loss allowance to noncurrent loans | 100.1832% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 1,681 |
| Noncurrent loans to loans | 1.1870% | 1,014 |
| Net loans and leases to total assets | 41.2832% | 4,222 |
| Net loans and leases to deposits | 47.0937% | 4,266 |
| Net loans and leases to core deposits | 48.3764% | 4,308 |
| Total domestic deposits to total assets | 87.6619% | 2,008 |
| Equity capital to assets | 11.6614% | 1,543 |
| Core capital (leverage) ratio | 11.4750% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4499% | 512 |
| Memoranda: | ||
| Average total assets | $105,066,667 | 4,011 |
| Average earning assets | $96,496,333 | 4,011 |
| Average equity | $12,807,000 | 3,907 |
| Average total loans | $44,505,000 | 4,181 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1665% | 3,742 |
| Cost of funding earning assets | 0.3149% | 2,839 |
| Net interest margin | 2.8516% | 3,633 |
| Noninterest income to average assets | 0.2730% | 3,768 |
| Noninterest expense to average assets | 1.8254% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0219% | 2,742 |
| Return on assets (ROA) | 1.0219% | 2,824 |
| Pretax return on assets | 1.0258% | 3,301 |
| Return on Equity (ROE) | 8.1933% | 3,270 |
| Retained earnings to average equity (ytd only) | 8.1933% | 2,177 |
| Net charge-offs to loans | -0.0091% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0219% | 2,460 |
| Assets per employee ($millions) | 8.5343% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,704 |
| Loan loss allowance to noncurrent loans | 109.2000% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 925 |
| Noncurrent loans to loans | 1.1381% | 1,177 |
| Net loans and leases to total assets | 42.3665% | 4,208 |
| Net loans and leases to deposits | 48.7276% | 4,233 |
| Net loans and leases to core deposits | 49.5048% | 4,324 |
| Total domestic deposits to total assets | 86.9457% | 2,331 |
| Equity capital to assets | 12.4645% | 1,095 |
| Core capital (leverage) ratio | 11.9243% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,551,000 | 4,040 |
| Average earning assets | $92,721,000 | 4,068 |
| Average equity | $12,791,000 | 3,917 |
| Average total loans | $43,758,000 | 4,216 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5902% | 3,833 |
| Cost of funding earning assets | 0.4591% | 3,224 |
| Net interest margin | 3.1310% | 3,549 |
| Noninterest income to average assets | 0.2813% | 3,796 |
| Noninterest expense to average assets | 2.0034% | 4,136 |
| Loan and lease loss provision to assets | 0.0531% | 3,712 |
| Net operating income to assets | 1.1487% | 1,730 |
| Return on assets (ROA) | 1.1498% | 1,850 |
| Pretax return on assets | 1.1508% | 2,513 |
| Return on Equity (ROE) | 8.5754% | 2,566 |
| Retained earnings to average equity (ytd only) | -1.3778% | 4,664 |
| Net charge-offs to loans | -0.0673% | 4,731 |
| Credit loss provision to net charge-offs | -172.4138% | 3,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4834% | 3,047 |
| Assets per employee ($millions) | 8.5576% | 876 |
| Cash dividends to net income (ytd only)* | 116.0665% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,684 |
| Loan loss allowance to noncurrent loans | 3,027.7778% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 2,247 |
| Noncurrent loans to loans | 0.0413% | 4,132 |
| Net loans and leases to total assets | 41.9092% | 4,360 |
| Net loans and leases to deposits | 48.4384% | 4,379 |
| Net loans and leases to core deposits | 49.9507% | 4,424 |
| Total domestic deposits to total assets | 86.5207% | 2,134 |
| Equity capital to assets | 12.4811% | 1,336 |
| Core capital (leverage) ratio | 11.7242% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9545% | 441 |
| Memoranda: | ||
| Average total assets | $94,192,200 | 4,063 |
| Average earning assets | $87,990,000 | 4,051 |
| Average equity | $12,629,200 | 3,900 |
| Average total loans | $43,089,600 | 4,253 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7147% | 3,768 |
| Cost of funding earning assets | 0.4962% | 3,247 |
| Net interest margin | 3.2185% | 3,433 |
| Noninterest income to average assets | 0.2911% | 3,742 |
| Noninterest expense to average assets | 2.0115% | 4,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2932% | 1,369 |
| Return on assets (ROA) | 1.2947% | 1,464 |
| Pretax return on assets | 1.2961% | 2,064 |
| Return on Equity (ROE) | 9.4734% | 2,212 |
| Retained earnings to average equity (ytd only) | 1.1021% | 4,221 |
| Net charge-offs to loans | -0.0559% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8410% | 3,249 |
| Assets per employee ($millions) | 7.9825% | 999 |
| Cash dividends to net income (ytd only)* | 88.3669% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 3,023 |
| Loan loss allowance to noncurrent loans | 318.4211% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 1,882 |
| Noncurrent loans to loans | 0.3554% | 3,016 |
| Net loans and leases to total assets | 44.1372% | 4,415 |
| Net loans and leases to deposits | 51.5849% | 4,429 |
| Net loans and leases to core deposits | 52.6559% | 4,500 |
| Total domestic deposits to total assets | 85.5622% | 2,234 |
| Equity capital to assets | 13.7248% | 934 |
| Core capital (leverage) ratio | 12.5451% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8214% | 371 |
| Memoranda: | ||
| Average total assets | $92,067,500 | 4,097 |
| Average earning assets | $86,250,500 | 4,080 |
| Average equity | $12,582,250 | 3,912 |
| Average total loans | $42,966,500 | 4,276 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 4,016 |
| Cost of funding earning assets | 0.5397% | 3,293 |
| Net interest margin | 3.1939% | 3,685 |
| Noninterest income to average assets | 0.3083% | 3,612 |
| Noninterest expense to average assets | 1.9818% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3344% | 1,267 |
| Return on assets (ROA) | 1.3344% | 1,366 |
| Pretax return on assets | 1.3366% | 1,917 |
| Return on Equity (ROE) | 9.7789% | 2,058 |
| Retained earnings to average equity (ytd only) | -1.2103% | 4,505 |
| Net charge-offs to loans | -0.0093% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7213% | 3,447 |
| Assets per employee ($millions) | 8.1082% | 929 |
| Cash dividends to net income (ytd only)* | 112.3762% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,121 |
| Loan loss allowance to noncurrent loans | 283.0303% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 1,956 |
| Noncurrent loans to loans | 0.3854% | 3,025 |
| Net loans and leases to total assets | 43.5220% | 4,478 |
| Net loans and leases to deposits | 50.6198% | 4,507 |
| Net loans and leases to core deposits | 51.8108% | 4,572 |
| Total domestic deposits to total assets | 85.9781% | 2,018 |
| Equity capital to assets | 13.2891% | 1,043 |
| Core capital (leverage) ratio | 12.9502% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,826,667 | 4,116 |
| Average earning assets | $85,599,667 | 4,093 |
| Average equity | $12,394,000 | 3,934 |
| Average total loans | $43,034,333 | 4,288 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8883% | 4,055 |
| Cost of funding earning assets | 0.6116% | 3,372 |
| Net interest margin | 3.2767% | 3,652 |
| Noninterest income to average assets | 0.3882% | 3,183 |
| Noninterest expense to average assets | 2.0276% | 4,350 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4431% | 897 |
| Return on assets (ROA) | 1.4431% | 969 |
| Pretax return on assets | 1.4431% | 1,456 |
| Return on Equity (ROE) | 10.4239% | 1,605 |
| Retained earnings to average equity (ytd only) | 10.4239% | 660 |
| Net charge-offs to loans | -0.0093% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4211% | 3,946 |
| Assets per employee ($millions) | 7.8633% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,253 |
| Loan loss allowance to noncurrent loans | 129.4444% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.9249% | 1,440 |
| Noncurrent loans to loans | 0.8432% | 1,924 |
| Net loans and leases to total assets | 48.8231% | 4,299 |
| Net loans and leases to deposits | 57.0892% | 4,318 |
| Net loans and leases to core deposits | 58.3537% | 4,417 |
| Total domestic deposits to total assets | 85.5207% | 2,204 |
| Equity capital to assets | 13.7821% | 1,128 |
| Core capital (leverage) ratio | 13.9461% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6373% | 368 |
| Memoranda: | ||
| Average total assets | $87,591,000 | 4,165 |
| Average earning assets | $82,400,500 | 4,134 |
| Average equity | $12,126,000 | 3,983 |
| Average total loans | $43,145,000 | 4,297 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 4,140 |
| Cost of funding earning assets | 0.7165% | 3,083 |
| Net interest margin | 3.3360% | 3,903 |
| Noninterest income to average assets | 0.3385% | 3,683 |
| Noninterest expense to average assets | 2.0435% | 4,461 |
| Loan and lease loss provision to assets | 0.0576% | 2,880 |
| Net operating income to assets | 1.3827% | 1,400 |
| Return on assets (ROA) | 1.3861% | 1,471 |
| Pretax return on assets | 1.3873% | 2,211 |
| Return on Equity (ROE) | 10.3284% | 2,149 |
| Retained earnings to average equity (ytd only) | 7.4460% | 1,188 |
| Net charge-offs to loans | 0.1520% | 1,305 |
| Credit loss provision to net charge-offs | 75.7576% | 2,843 |
| Earnings coverage of net charge-offs (x) | 18.9697% | 2,024 |
| Efficiency ratio | 58.6389% | 3,889 |
| Assets per employee ($millions) | 8.0624% | 696 |
| Cash dividends to net income (ytd only)* | 27.9070% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 3,113 |
| Loan loss allowance to noncurrent loans | 347.7612% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 1,968 |
| Noncurrent loans to loans | 0.3074% | 3,338 |
| Net loans and leases to total assets | 48.6300% | 4,392 |
| Net loans and leases to deposits | 56.9632% | 4,417 |
| Net loans and leases to core deposits | 58.2299% | 4,511 |
| Total domestic deposits to total assets | 85.3709% | 2,359 |
| Equity capital to assets | 13.9041% | 1,135 |
| Core capital (leverage) ratio | 13.3882% | 1,086 |
| Tier 1 risk-based capital ratio | 24.3307% | 803 |
| Total risk-based capital ratio | 25.2823% | 804 |
| Memoranda: | ||
| Average total assets | $86,860,600 | 4,188 |
| Average earning assets | $81,924,000 | 4,156 |
| Average equity | $11,657,200 | 4,040 |
| Average total loans | $43,429,400 | 4,321 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 4,348 |
| Cost of funding earning assets | 0.7421% | 3,000 |
| Net interest margin | 3.2660% | 4,154 |
| Noninterest income to average assets | 0.3549% | 3,600 |
| Noninterest expense to average assets | 1.9782% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4582% | 1,308 |
| Return on assets (ROA) | 1.4598% | 1,354 |
| Pretax return on assets | 1.4613% | 2,073 |
| Return on Equity (ROE) | 10.9786% | 2,025 |
| Retained earnings to average equity (ytd only) | 9.0289% | 1,035 |
| Net charge-offs to loans | -0.0154% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5404% | 3,997 |
| Assets per employee ($millions) | 7.9039% | 717 |
| Cash dividends to net income (ytd only)* | 17.7587% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 2,998 |
| Loan loss allowance to noncurrent loans | 76.8139% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.2353% | 1,009 |
| Noncurrent loans to loans | 1.4406% | 1,058 |
| Net loans and leases to total assets | 50.0569% | 4,426 |
| Net loans and leases to deposits | 58.7447% | 4,444 |
| Net loans and leases to core deposits | 59.4403% | 4,555 |
| Total domestic deposits to total assets | 85.2110% | 2,342 |
| Equity capital to assets | 14.0839% | 1,118 |
| Core capital (leverage) ratio | 13.7569% | 1,055 |
| Tier 1 risk-based capital ratio | 23.7861% | 865 |
| Total risk-based capital ratio | 24.7657% | 877 |
| Memoranda: | ||
| Average total assets | $86,404,250 | 4,249 |
| Average earning assets | $81,564,500 | 4,211 |
| Average equity | $11,488,750 | 4,097 |
| Average total loans | $43,388,250 | 4,378 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9697% | 4,437 |
| Cost of funding earning assets | 0.7767% | 2,762 |
| Net interest margin | 3.1929% | 4,382 |
| Noninterest income to average assets | 0.3502% | 3,595 |
| Noninterest expense to average assets | 1.9391% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4219% | 1,372 |
| Return on assets (ROA) | 1.4265% | 1,407 |
| Pretax return on assets | 1.4288% | 2,105 |
| Return on Equity (ROE) | 10.9463% | 1,999 |
| Retained earnings to average equity (ytd only) | 7.9561% | 1,419 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6552% | 4,053 |
| Assets per employee ($millions) | 7.7507% | 732 |
| Cash dividends to net income (ytd only)* | 27.3171% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 2,905 |
| Loan loss allowance to noncurrent loans | 123.5897% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9735% | 1,425 |
| Noncurrent loans to loans | 0.9138% | 1,797 |
| Net loans and leases to total assets | 49.4956% | 4,494 |
| Net loans and leases to deposits | 59.5014% | 4,454 |
| Net loans and leases to core deposits | 60.2378% | 4,565 |
| Total domestic deposits to total assets | 83.1840% | 3,148 |
| Equity capital to assets | 13.8439% | 1,189 |
| Core capital (leverage) ratio | 13.4162% | 1,147 |
| Tier 1 risk-based capital ratio | 23.7441% | 871 |
| Total risk-based capital ratio | 24.7397% | 875 |
| Memoranda: | ||
| Average total assets | $86,224,670 | 4,279 |
| Average earning assets | $81,367,330 | 4,240 |
| Average equity | $11,236,670 | 4,141 |
| Average total loans | $43,181,670 | 4,413 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8788% | 4,588 |
| Cost of funding earning assets | 0.7611% | 2,726 |
| Net interest margin | 3.1177% | 4,556 |
| Noninterest income to average assets | 0.3552% | 3,480 |
| Noninterest expense to average assets | 1.6561% | 5,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6423% | 821 |
| Return on assets (ROA) | 1.6515% | 835 |
| Pretax return on assets | 1.6561% | 1,320 |
| Return on Equity (ROE) | 13.0734% | 1,192 |
| Retained earnings to average equity (ytd only) | 13.0734% | 450 |
| Net charge-offs to loans | -0.0092% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1397% | 4,816 |
| Assets per employee ($millions) | 7.6639% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 2,905 |
| Loan loss allowance to noncurrent loans | 97.9675% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.1055% | 1,254 |
| Noncurrent loans to loans | 1.1645% | 1,427 |
| Net loans and leases to total assets | 49.5451% | 4,497 |
| Net loans and leases to deposits | 61.0108% | 4,358 |
| Net loans and leases to core deposits | 62.2734% | 4,456 |
| Total domestic deposits to total assets | 81.2071% | 3,928 |
| Equity capital to assets | 13.4586% | 1,225 |
| Core capital (leverage) ratio | 13.2225% | 1,179 |
| Tier 1 risk-based capital ratio | 23.9874% | 841 |
| Total risk-based capital ratio | 25.0011% | 840 |
| Memoranda: | ||
| Average total assets | $86,708,000 | 4,315 |
| Average earning assets | $81,984,000 | 4,280 |
| Average equity | $10,953,500 | 4,199 |
| Average total loans | $43,432,000 | 4,443 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8302% | 4,422 |
| Cost of funding earning assets | 0.5990% | 2,727 |
| Net interest margin | 3.2312% | 4,425 |
| Noninterest income to average assets | 0.3786% | 3,561 |
| Noninterest expense to average assets | 2.1949% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2214% | 2,082 |
| Return on assets (ROA) | 1.2236% | 2,064 |
| Pretax return on assets | 1.2248% | 2,794 |
| Return on Equity (ROE) | 10.2804% | 2,403 |
| Retained earnings to average equity (ytd only) | 3.9190% | 3,423 |
| Net charge-offs to loans | 0.2301% | 848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 11.1856% | 2,643 |
| Efficiency ratio | 64.2268% | 3,154 |
| Assets per employee ($millions) | 8.1012% | 640 |
| Cash dividends to net income (ytd only)* | 61.8785% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,232 |
| Loan loss allowance to noncurrent loans | 58.9461% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.4139% | 854 |
| Noncurrent loans to loans | 1.8290% | 770 |
| Net loans and leases to total assets | 49.5248% | 4,557 |
| Net loans and leases to deposits | 61.6357% | 4,398 |
| Net loans and leases to core deposits | 62.8085% | 4,501 |
| Total domestic deposits to total assets | 80.3508% | 4,028 |
| Equity capital to assets | 11.8512% | 1,999 |
| Core capital (leverage) ratio | 12.4973% | 1,454 |
| Tier 1 risk-based capital ratio | 20.8587% | 1,170 |
| Total risk-based capital ratio | 21.7668% | 1,198 |
| Memoranda: | ||
| Average total assets | $88,751,000 | 4,295 |
| Average earning assets | $83,468,400 | 4,259 |
| Average equity | $10,563,800 | 4,226 |
| Average total loans | $42,151,200 | 4,494 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7989% | 4,440 |
| Cost of funding earning assets | 0.5475% | 2,871 |
| Net interest margin | 3.2514% | 4,399 |
| Noninterest income to average assets | 0.3850% | 3,567 |
| Noninterest expense to average assets | 1.7790% | 5,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6587% | 821 |
| Return on assets (ROA) | 1.6632% | 817 |
| Pretax return on assets | 1.6647% | 1,366 |
| Return on Equity (ROE) | 13.9584% | 1,134 |
| Retained earnings to average equity (ytd only) | 11.3838% | 576 |
| Net charge-offs to loans | -0.0064% | 4,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7272% | 4,837 |
| Assets per employee ($millions) | 7.3943% | 808 |
| Cash dividends to net income (ytd only)* | 18.4446% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 2,095 |
| Loan loss allowance to noncurrent loans | 59.4872% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.6916% | 727 |
| Noncurrent loans to loans | 2.1842% | 650 |
| Net loans and leases to total assets | 49.6546% | 4,620 |
| Net loans and leases to deposits | 60.6857% | 4,514 |
| Net loans and leases to core deposits | 61.9389% | 4,618 |
| Total domestic deposits to total assets | 81.8226% | 3,662 |
| Equity capital to assets | 12.1401% | 1,810 |
| Core capital (leverage) ratio | 13.1586% | 1,224 |
| Tier 1 risk-based capital ratio | 21.8127% | 1,074 |
| Total risk-based capital ratio | 22.9095% | 1,080 |
| Memoranda: | ||
| Average total assets | $88,660,500 | 4,335 |
| Average earning assets | $83,286,000 | 4,304 |
| Average equity | $10,564,500 | 4,264 |
| Average total loans | $41,535,500 | 4,553 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6949% | 4,599 |
| Cost of funding earning assets | 0.5227% | 2,811 |
| Net interest margin | 3.1723% | 4,572 |
| Noninterest income to average assets | 0.3904% | 3,548 |
| Noninterest expense to average assets | 1.7826% | 5,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5772% | 968 |
| Return on assets (ROA) | 1.5817% | 965 |
| Pretax return on assets | 1.5840% | 1,552 |
| Return on Equity (ROE) | 13.3583% | 1,249 |
| Retained earnings to average equity (ytd only) | 10.7667% | 716 |
| Net charge-offs to loans | -0.0049% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0201% | 4,780 |
| Assets per employee ($millions) | 7.3984% | 793 |
| Cash dividends to net income (ytd only)* | 19.4009% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 1,967 |
| Loan loss allowance to noncurrent loans | 11,580.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 1,829 |
| Noncurrent loans to loans | 0.0116% | 4,898 |
| Net loans and leases to total assets | 47.8165% | 4,732 |
| Net loans and leases to deposits | 56.4311% | 4,728 |
| Net loans and leases to core deposits | 57.9779% | 4,795 |
| Total domestic deposits to total assets | 84.7343% | 2,779 |
| Equity capital to assets | 11.9519% | 1,883 |
| Core capital (leverage) ratio | 12.8294% | 1,306 |
| Tier 1 risk-based capital ratio | 21.8916% | 1,045 |
| Total risk-based capital ratio | 23.0235% | 1,046 |
| Memoranda: | ||
| Average total assets | $88,637,000 | 4,372 |
| Average earning assets | $83,032,330 | 4,342 |
| Average equity | $10,495,330 | 4,307 |
| Average total loans | $40,501,000 | 4,624 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 4,664 |
| Cost of funding earning assets | 0.5094% | 2,727 |
| Net interest margin | 3.1098% | 4,685 |
| Noninterest income to average assets | 0.4245% | 3,281 |
| Noninterest expense to average assets | 1.7705% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5446% | 965 |
| Return on assets (ROA) | 1.5446% | 974 |
| Pretax return on assets | 1.5491% | 1,530 |
| Return on Equity (ROE) | 13.1066% | 1,233 |
| Retained earnings to average equity (ytd only) | 13.1066% | 505 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3333% | 4,859 |
| Assets per employee ($millions) | 7.2380% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 1,526 |
| Loan loss allowance to noncurrent loans | 173.0539% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 1.2239% | 1,236 |
| Noncurrent loans to loans | 0.8564% | 2,109 |
| Net loans and leases to total assets | 44.2364% | 4,885 |
| Net loans and leases to deposits | 55.3256% | 4,731 |
| Net loans and leases to core deposits | 56.9780% | 4,797 |
| Total domestic deposits to total assets | 79.9565% | 4,425 |
| Equity capital to assets | 12.0233% | 1,769 |
| Core capital (leverage) ratio | 12.6535% | 1,316 |
| Tier 1 risk-based capital ratio | 22.9540% | 947 |
| Total risk-based capital ratio | 24.1629% | 932 |
| Memoranda: | ||
| Average total assets | $88,565,000 | 4,420 |
| Average earning assets | $82,450,000 | 4,401 |
| Average equity | $10,437,500 | 4,360 |
| Average total loans | $39,236,000 | 4,716 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4011% | 4,938 |
| Cost of funding earning assets | 0.4451% | 2,823 |
| Net interest margin | 2.9560% | 4,965 |
| Noninterest income to average assets | 0.3762% | 3,781 |
| Noninterest expense to average assets | 1.9576% | 5,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1998% | 1,525 |
| Return on assets (ROA) | 1.2031% | 1,542 |
| Pretax return on assets | 1.2042% | 2,757 |
| Return on Equity (ROE) | 10.3930% | 1,723 |
| Retained earnings to average equity (ytd only) | 3.3727% | 3,268 |
| Net charge-offs to loans | -0.0162% | 4,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9792% | 3,941 |
| Assets per employee ($millions) | 7.5228% | 757 |
| Cash dividends to net income (ytd only)* | 67.5479% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 1,530 |
| Loan loss allowance to noncurrent loans | 713.5802% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.9194% | 1,682 |
| Noncurrent loans to loans | 0.2052% | 4,092 |
| Net loans and leases to total assets | 43.0844% | 5,027 |
| Net loans and leases to deposits | 52.2200% | 4,974 |
| Net loans and leases to core deposits | 53.6847% | 5,010 |
| Total domestic deposits to total assets | 82.5055% | 3,729 |
| Equity capital to assets | 11.5559% | 2,150 |
| Core capital (leverage) ratio | 11.7920% | 1,732 |
| Tier 1 risk-based capital ratio | 21.8651% | 1,036 |
| Total risk-based capital ratio | 23.0537% | 1,017 |
| Memoranda: | ||
| Average total assets | $91,183,000 | 4,405 |
| Average earning assets | $85,824,400 | 4,362 |
| Average equity | $10,555,200 | 4,369 |
| Average total loans | $37,027,400 | 4,818 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3646% | 5,011 |
| Cost of funding earning assets | 0.4256% | 2,919 |
| Net interest margin | 2.9390% | 5,035 |
| Noninterest income to average assets | 0.3865% | 3,776 |
| Noninterest expense to average assets | 1.6453% | 5,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5199% | 861 |
| Return on assets (ROA) | 1.5199% | 884 |
| Pretax return on assets | 1.5213% | 1,701 |
| Return on Equity (ROE) | 13.1239% | 1,029 |
| Retained earnings to average equity (ytd only) | 9.7989% | 626 |
| Net charge-offs to loans | -0.0220% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9576% | 5,103 |
| Assets per employee ($millions) | 7.6338% | 719 |
| Cash dividends to net income (ytd only)* | 25.3358% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 1,722 |
| Loan loss allowance to noncurrent loans | 451.5625% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9574% | 1,778 |
| Noncurrent loans to loans | 0.3198% | 3,804 |
| Net loans and leases to total assets | 43.0572% | 5,075 |
| Net loans and leases to deposits | 53.9163% | 4,968 |
| Net loans and leases to core deposits | 55.5316% | 5,014 |
| Total domestic deposits to total assets | 79.8594% | 4,341 |
| Equity capital to assets | 12.2175% | 1,827 |
| Core capital (leverage) ratio | 12.0054% | 1,686 |
| Tier 1 risk-based capital ratio | 22.7598% | 967 |
| Total risk-based capital ratio | 23.9499% | 956 |
| Memoranda: | ||
| Average total assets | $91,410,250 | 4,442 |
| Average earning assets | $86,466,250 | 4,397 |
| Average equity | $10,586,000 | 4,405 |
| Average total loans | $36,416,250 | 4,883 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2689% | 5,150 |
| Cost of funding earning assets | 0.3915% | 3,152 |
| Net interest margin | 2.8774% | 5,130 |
| Noninterest income to average assets | 0.3875% | 3,769 |
| Noninterest expense to average assets | 1.6137% | 5,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4932% | 878 |
| Return on assets (ROA) | 1.4932% | 900 |
| Pretax return on assets | 1.4932% | 1,671 |
| Return on Equity (ROE) | 13.1356% | 1,003 |
| Retained earnings to average equity (ytd only) | 9.5146% | 701 |
| Net charge-offs to loans | -0.0341% | 5,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9380% | 5,179 |
| Assets per employee ($millions) | 7.7369% | 682 |
| Cash dividends to net income (ytd only)* | 27.5660% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 1,510 |
| Loan loss allowance to noncurrent loans | 375.3247% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.9726% | 1,800 |
| Noncurrent loans to loans | 0.4055% | 3,573 |
| Net loans and leases to total assets | 40.2831% | 5,216 |
| Net loans and leases to deposits | 49.9266% | 5,138 |
| Net loans and leases to core deposits | 51.3793% | 5,174 |
| Total domestic deposits to total assets | 80.6846% | 4,262 |
| Equity capital to assets | 11.8404% | 2,049 |
| Core capital (leverage) ratio | 11.8098% | 1,758 |
| Tier 1 risk-based capital ratio | 22.7433% | 971 |
| Total risk-based capital ratio | 23.9638% | 957 |
| Memoranda: | ||
| Average total assets | $91,345,000 | 4,472 |
| Average earning assets | $86,328,670 | 4,430 |
| Average equity | $10,384,000 | 4,454 |
| Average total loans | $35,214,670 | 4,948 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2276% | 5,202 |
| Cost of funding earning assets | 0.3825% | 3,180 |
| Net interest margin | 2.8451% | 5,177 |
| Noninterest income to average assets | 0.4150% | 3,563 |
| Noninterest expense to average assets | 1.6336% | 5,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4747% | 856 |
| Return on assets (ROA) | 1.4747% | 881 |
| Pretax return on assets | 1.4747% | 1,622 |
| Return on Equity (ROE) | 13.2546% | 948 |
| Retained earnings to average equity (ytd only) | 8.8496% | 1,130 |
| Net charge-offs to loans | -0.0828% | 5,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5568% | 5,242 |
| Assets per employee ($millions) | 7.5447% | 739 |
| Cash dividends to net income (ytd only)* | 33.2335% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 1,235 |
| Loan loss allowance to noncurrent loans | 210.5455% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1310% | 1,566 |
| Noncurrent loans to loans | 0.7869% | 2,489 |
| Net loans and leases to total assets | 37.9628% | 5,327 |
| Net loans and leases to deposits | 45.3628% | 5,322 |
| Net loans and leases to core deposits | 46.6641% | 5,345 |
| Total domestic deposits to total assets | 83.6872% | 3,584 |
| Equity capital to assets | 11.4153% | 2,242 |
| Core capital (leverage) ratio | 11.6494% | 1,854 |
| Tier 1 risk-based capital ratio | 23.3228% | 938 |
| Total risk-based capital ratio | 24.5713% | 924 |
| Memoranda: | ||
| Average total assets | $90,596,000 | 4,530 |
| Average earning assets | $85,761,500 | 4,481 |
| Average equity | $10,079,500 | 4,530 |
| Average total loans | $33,833,000 | 5,033 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9894% | 5,508 |
| Cost of funding earning assets | 0.3726% | 3,291 |
| Net interest margin | 2.6168% | 5,494 |
| Noninterest income to average assets | 0.4244% | 3,717 |
| Noninterest expense to average assets | 1.9169% | 5,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9674% | 2,499 |
| Return on assets (ROA) | 0.9898% | 2,498 |
| Pretax return on assets | 0.9909% | 3,509 |
| Return on Equity (ROE) | 8.4364% | 2,717 |
| Retained earnings to average equity (ytd only) | 3.9224% | 3,134 |
| Net charge-offs to loans | -0.3190% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4338% | 3,522 |
| Assets per employee ($millions) | 7.5547% | 713 |
| Cash dividends to net income (ytd only)* | 53.5068% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7453% | 1,048 |
| Loan loss allowance to noncurrent loans | 289.8477% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 1,813 |
| Noncurrent loans to loans | 0.6021% | 3,047 |
| Net loans and leases to total assets | 35.4593% | 5,503 |
| Net loans and leases to deposits | 40.1454% | 5,551 |
| Net loans and leases to core deposits | 41.2334% | 5,566 |
| Total domestic deposits to total assets | 88.3273% | 1,473 |
| Equity capital to assets | 10.8366% | 2,778 |
| Core capital (leverage) ratio | 11.4468% | 1,972 |
| Tier 1 risk-based capital ratio | 23.6911% | 897 |
| Total risk-based capital ratio | 24.9406% | 883 |
| Memoranda: | ||
| Average total assets | $89,311,800 | 4,556 |
| Average earning assets | $83,995,800 | 4,518 |
| Average equity | $10,478,400 | 4,497 |
| Average total loans | $31,975,400 | 5,134 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9928% | 5,574 |
| Cost of funding earning assets | 0.3779% | 3,248 |
| Net interest margin | 2.6149% | 5,577 |
| Noninterest income to average assets | 0.4465% | 3,585 |
| Noninterest expense to average assets | 1.6528% | 5,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2497% | 1,453 |
| Return on assets (ROA) | 1.2797% | 1,455 |
| Pretax return on assets | 1.2812% | 2,500 |
| Return on Equity (ROE) | 10.6995% | 1,788 |
| Retained earnings to average equity (ytd only) | 10.0605% | 564 |
| Net charge-offs to loans | -0.6836% | 5,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9143% | 4,963 |
| Assets per employee ($millions) | 7.4439% | 739 |
| Cash dividends to net income (ytd only)* | 5.9720% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0192% | 704 |
| Loan loss allowance to noncurrent loans | 509.6774% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9773% | 2,117 |
| Noncurrent loans to loans | 0.3962% | 3,848 |
| Net loans and leases to total assets | 34.3312% | 5,611 |
| Net loans and leases to deposits | 39.4553% | 5,645 |
| Net loans and leases to core deposits | 40.5385% | 5,667 |
| Total domestic deposits to total assets | 87.0129% | 1,895 |
| Equity capital to assets | 12.4856% | 1,790 |
| Core capital (leverage) ratio | 11.9774% | 1,695 |
| Tier 1 risk-based capital ratio | 25.7538% | 736 |
| Total risk-based capital ratio | 27.0067% | 717 |
| Memoranda: | ||
| Average total assets | $88,975,750 | 4,607 |
| Average earning assets | $83,620,000 | 4,561 |
| Average equity | $10,642,000 | 4,511 |
| Average total loans | $31,790,000 | 5,191 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9348% | 5,698 |
| Cost of funding earning assets | 0.3788% | 3,262 |
| Net interest margin | 2.5559% | 5,705 |
| Noninterest income to average assets | 0.3871% | 3,974 |
| Noninterest expense to average assets | 1.6498% | 5,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1344% | 1,827 |
| Return on assets (ROA) | 1.1591% | 1,848 |
| Pretax return on assets | 1.1614% | 2,939 |
| Return on Equity (ROE) | 9.8361% | 2,121 |
| Retained earnings to average equity (ytd only) | 8.8620% | 886 |
| Net charge-offs to loans | -0.0939% | 5,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2084% | 4,744 |
| Assets per employee ($millions) | 7.1303% | 826 |
| Cash dividends to net income (ytd only)* | 9.9029% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 1,952 |
| Loan loss allowance to noncurrent loans | 302.5000% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 1.0624% | 2,002 |
| Noncurrent loans to loans | 0.4886% | 3,620 |
| Net loans and leases to total assets | 37.7063% | 5,524 |
| Net loans and leases to deposits | 43.4098% | 5,584 |
| Net loans and leases to core deposits | 44.8047% | 5,602 |
| Total domestic deposits to total assets | 86.8613% | 1,981 |
| Equity capital to assets | 12.6373% | 1,693 |
| Core capital (leverage) ratio | 12.0201% | 1,614 |
| Tier 1 risk-based capital ratio | 24.3070% | 875 |
| Total risk-based capital ratio | 25.4459% | 872 |
| Memoranda: | ||
| Average total assets | $88,858,670 | 4,641 |
| Average earning assets | $83,414,000 | 4,600 |
| Average equity | $10,471,670 | 4,573 |
| Average total loans | $31,953,670 | 5,231 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8903% | 5,795 |
| Cost of funding earning assets | 0.3832% | 3,266 |
| Net interest margin | 2.5071% | 5,803 |
| Noninterest income to average assets | 0.4154% | 3,715 |
| Noninterest expense to average assets | 1.6573% | 5,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1005% | 1,899 |
| Return on assets (ROA) | 1.1093% | 1,969 |
| Pretax return on assets | 1.1093% | 3,061 |
| Return on Equity (ROE) | 9.7466% | 2,095 |
| Retained earnings to average equity (ytd only) | 7.7662% | 1,558 |
| Net charge-offs to loans | -0.1901% | 5,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0962% | 4,731 |
| Assets per employee ($millions) | 7.2094% | 814 |
| Cash dividends to net income (ytd only)* | 20.3187% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,986 |
| Loan loss allowance to noncurrent loans | 205.0847% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 1.1386% | 1,939 |
| Noncurrent loans to loans | 0.7315% | 3,007 |
| Net loans and leases to total assets | 36.7332% | 5,604 |
| Net loans and leases to deposits | 42.0324% | 5,651 |
| Net loans and leases to core deposits | 43.5532% | 5,670 |
| Total domestic deposits to total assets | 87.3926% | 1,998 |
| Equity capital to assets | 12.1149% | 1,946 |
| Core capital (leverage) ratio | 11.2917% | 2,149 |
| Tier 1 risk-based capital ratio | 24.8746% | 828 |
| Total risk-based capital ratio | 26.0707% | 815 |
| Memoranda: | ||
| Average total assets | $90,506,000 | 4,649 |
| Average earning assets | $84,559,500 | 4,603 |
| Average equity | $10,301,000 | 4,617 |
| Average total loans | $31,557,000 | 5,284 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0036% | 5,721 |
| Cost of funding earning assets | 0.3892% | 3,273 |
| Net interest margin | 2.6144% | 5,742 |
| Noninterest income to average assets | 0.5834% | 2,814 |
| Noninterest expense to average assets | 1.9821% | 5,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0413% | 2,170 |
| Return on assets (ROA) | 1.0425% | 2,247 |
| Pretax return on assets | 1.0437% | 3,289 |
| Return on Equity (ROE) | 8.5896% | 2,677 |
| Retained earnings to average equity (ytd only) | 3.6151% | 3,485 |
| Net charge-offs to loans | 0.0580% | 3,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 45.8947% | 1,065 |
| Efficiency ratio | 65.5336% | 3,977 |
| Assets per employee ($millions) | 7.8749% | 596 |
| Cash dividends to net income (ytd only)* | 57.9128% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 1,901 |
| Loan loss allowance to noncurrent loans | 137.5367% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.1535% | 1,886 |
| Noncurrent loans to loans | 1.1053% | 2,129 |
| Net loans and leases to total assets | 32.1506% | 5,832 |
| Net loans and leases to deposits | 36.3173% | 5,881 |
| Net loans and leases to core deposits | 37.5008% | 5,890 |
| Total domestic deposits to total assets | 88.5269% | 1,367 |
| Equity capital to assets | 10.7102% | 3,120 |
| Core capital (leverage) ratio | 10.8963% | 2,496 |
| Tier 1 risk-based capital ratio | 24.7070% | 841 |
| Total risk-based capital ratio | 25.8816% | 835 |
| Memoranda: | ||
| Average total assets | $83,647,800 | 4,796 |
| Average earning assets | $78,105,800 | 4,760 |
| Average equity | $10,151,800 | 4,637 |
| Average total loans | $32,783,800 | 5,265 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0212% | 5,793 |
| Cost of funding earning assets | 0.3915% | 3,308 |
| Net interest margin | 2.6297% | 5,802 |
| Noninterest income to average assets | 0.6639% | 2,414 |
| Noninterest expense to average assets | 1.6952% | 5,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4349% | 1,036 |
| Return on assets (ROA) | 1.4365% | 1,080 |
| Pretax return on assets | 1.4382% | 1,870 |
| Return on Equity (ROE) | 11.4439% | 1,555 |
| Retained earnings to average equity (ytd only) | 9.4228% | 758 |
| Net charge-offs to loans | -0.1122% | 5,828 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1294% | 5,500 |
| Assets per employee ($millions) | 6.9123% | 899 |
| Cash dividends to net income (ytd only)* | 17.6607% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 1,682 |
| Loan loss allowance to noncurrent loans | 120.8431% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.4178% | 1,614 |
| Noncurrent loans to loans | 1.3468% | 1,902 |
| Net loans and leases to total assets | 37.5999% | 5,723 |
| Net loans and leases to deposits | 43.2956% | 5,752 |
| Net loans and leases to core deposits | 44.5626% | 5,774 |
| Total domestic deposits to total assets | 86.8446% | 2,120 |
| Equity capital to assets | 12.6370% | 1,664 |
| Core capital (leverage) ratio | 12.7577% | 1,294 |
| Tier 1 risk-based capital ratio | 27.4307% | 656 |
| Total risk-based capital ratio | 28.6819% | 641 |
| Memoranda: | ||
| Average total assets | $80,935,000 | 4,905 |
| Average earning assets | $75,951,000 | 4,870 |
| Average equity | $10,159,500 | 4,687 |
| Average total loans | $33,267,000 | 5,312 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0549% | 5,793 |
| Cost of funding earning assets | 0.3995% | 3,281 |
| Net interest margin | 2.6554% | 5,819 |
| Noninterest income to average assets | 0.7849% | 1,846 |
| Noninterest expense to average assets | 1.7019% | 5,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5648% | 802 |
| Return on assets (ROA) | 1.5648% | 830 |
| Pretax return on assets | 1.5673% | 1,432 |
| Return on Equity (ROE) | 12.4950% | 1,226 |
| Retained earnings to average equity (ytd only) | 11.4405% | 452 |
| Net charge-offs to loans | -0.1598% | 5,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0579% | 5,707 |
| Assets per employee ($millions) | 6.4438% | 1,082 |
| Cash dividends to net income (ytd only)* | 8.4395% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 2,207 |
| Loan loss allowance to noncurrent loans | 143.8547% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 1,745 |
| Noncurrent loans to loans | 1.0568% | 2,531 |
| Net loans and leases to total assets | 43.1433% | 5,429 |
| Net loans and leases to deposits | 50.4141% | 5,482 |
| Net loans and leases to core deposits | 52.0177% | 5,536 |
| Total domestic deposits to total assets | 85.5779% | 2,886 |
| Equity capital to assets | 13.1495% | 1,324 |
| Core capital (leverage) ratio | 12.9265% | 1,195 |
| Tier 1 risk-based capital ratio | 26.2789% | 754 |
| Total risk-based capital ratio | 27.5284% | 740 |
| Memoranda: | ||
| Average total assets | $80,264,330 | 4,972 |
| Average earning assets | $75,093,330 | 4,942 |
| Average equity | $10,052,000 | 4,739 |
| Average total loans | $33,788,000 | 5,333 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9898% | 5,905 |
| Cost of funding earning assets | 0.4091% | 3,202 |
| Net interest margin | 2.5806% | 5,941 |
| Noninterest income to average assets | 1.1354% | 876 |
| Noninterest expense to average assets | 1.6737% | 6,041 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8646% | 430 |
| Return on assets (ROA) | 1.8646% | 457 |
| Pretax return on assets | 1.8695% | 759 |
| Return on Equity (ROE) | 15.2491% | 677 |
| Retained earnings to average equity (ytd only) | 13.1279% | 432 |
| Net charge-offs to loans | -0.0119% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2376% | 6,054 |
| Assets per employee ($millions) | 6.5809% | 1,032 |
| Cash dividends to net income (ytd only)* | 13.9108% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 2,561 |
| Loan loss allowance to noncurrent loans | 159.8039% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.3359% | 1,991 |
| Noncurrent loans to loans | 0.9222% | 2,934 |
| Net loans and leases to total assets | 41.3975% | 5,524 |
| Net loans and leases to deposits | 47.8366% | 5,574 |
| Net loans and leases to core deposits | 49.1188% | 5,631 |
| Total domestic deposits to total assets | 86.5394% | 2,641 |
| Equity capital to assets | 12.9161% | 1,442 |
| Core capital (leverage) ratio | 11.8821% | 1,712 |
| Tier 1 risk-based capital ratio | 25.6472% | 822 |
| Total risk-based capital ratio | 26.8974% | 804 |
| Memoranda: | ||
| Average total assets | $81,733,500 | 4,994 |
| Average earning assets | $76,260,500 | 4,965 |
| Average equity | $9,994,000 | 4,788 |
| Average total loans | $33,744,000 | 5,383 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0926% | 5,967 |
| Cost of funding earning assets | 0.4043% | 3,656 |
| Net interest margin | 2.6883% | 5,962 |
| Noninterest income to average assets | 0.5179% | 3,373 |
| Noninterest expense to average assets | 2.0147% | 5,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9726% | 2,513 |
| Return on assets (ROA) | 0.9865% | 2,527 |
| Pretax return on assets | 0.9865% | 3,557 |
| Return on Equity (ROE) | 7.8138% | 3,224 |
| Retained earnings to average equity (ytd only) | -0.0300% | 5,771 |
| Net charge-offs to loans | 0.1805% | 2,222 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.6230% | 2,352 |
| Efficiency ratio | 67.4419% | 3,996 |
| Assets per employee ($millions) | 7.0413% | 830 |
| Cash dividends to net income (ytd only)* | 100.3841% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 2,837 |
| Loan loss allowance to noncurrent loans | 107.7263% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.4226% | 1,941 |
| Noncurrent loans to loans | 1.3204% | 2,234 |
| Net loans and leases to total assets | 40.0244% | 5,746 |
| Net loans and leases to deposits | 45.8824% | 5,799 |
| Net loans and leases to core deposits | 47.0205% | 5,851 |
| Total domestic deposits to total assets | 87.2325% | 2,155 |
| Equity capital to assets | 11.5840% | 2,361 |
| Core capital (leverage) ratio | 11.7569% | 1,789 |
| Tier 1 risk-based capital ratio | 23.8011% | 977 |
| Total risk-based capital ratio | 25.0238% | 960 |
| Memoranda: | ||
| Average total assets | $79,167,400 | 5,088 |
| Average earning assets | $72,721,800 | 5,076 |
| Average equity | $9,995,200 | 4,750 |
| Average total loans | $33,803,800 | 5,406 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0129% | 6,126 |
| Cost of funding earning assets | 0.4051% | 3,730 |
| Net interest margin | 2.6078% | 6,126 |
| Noninterest income to average assets | 0.5207% | 3,406 |
| Noninterest expense to average assets | 1.7575% | 6,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1563% | 1,840 |
| Return on assets (ROA) | 1.1768% | 1,839 |
| Pretax return on assets | 1.1768% | 2,878 |
| Return on Equity (ROE) | 9.1170% | 2,619 |
| Retained earnings to average equity (ytd only) | 7.0600% | 1,788 |
| Net charge-offs to loans | -0.0079% | 5,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3175% | 5,135 |
| Assets per employee ($millions) | 6.2165% | 1,189 |
| Cash dividends to net income (ytd only)* | 22.5616% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6720% | 2,063 |
| Loan loss allowance to noncurrent loans | 129.3427% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 1.5751% | 1,940 |
| Noncurrent loans to loans | 1.2927% | 2,482 |
| Net loans and leases to total assets | 43.4368% | 5,567 |
| Net loans and leases to deposits | 50.7399% | 5,600 |
| Net loans and leases to core deposits | 51.8971% | 5,688 |
| Total domestic deposits to total assets | 85.6069% | 3,071 |
| Equity capital to assets | 13.8409% | 1,055 |
| Core capital (leverage) ratio | 12.7657% | 1,279 |
| Tier 1 risk-based capital ratio | 25.7084% | 817 |
| Total risk-based capital ratio | 26.9613% | 796 |
| Memoranda: | ||
| Average total assets | $77,835,250 | 5,173 |
| Average earning assets | $71,425,000 | 5,152 |
| Average equity | $10,047,000 | 4,774 |
| Average total loans | $33,678,000 | 5,464 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9103% | 6,253 |
| Cost of funding earning assets | 0.3930% | 3,944 |
| Net interest margin | 2.5173% | 6,256 |
| Noninterest income to average assets | 0.5043% | 3,452 |
| Noninterest expense to average assets | 1.7056% | 6,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1202% | 1,860 |
| Return on assets (ROA) | 1.1202% | 1,934 |
| Pretax return on assets | 1.1202% | 3,006 |
| Return on Equity (ROE) | 8.8806% | 2,643 |
| Retained earnings to average equity (ytd only) | 7.8961% | 1,365 |
| Net charge-offs to loans | -0.0059% | 5,203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3587% | 5,238 |
| Assets per employee ($millions) | 6.6790% | 933 |
| Cash dividends to net income (ytd only)* | 11.0860% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 2,284 |
| Loan loss allowance to noncurrent loans | 128.1395% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.4710% | 2,217 |
| Noncurrent loans to loans | 1.2896% | 2,649 |
| Net loans and leases to total assets | 40.9156% | 5,749 |
| Net loans and leases to deposits | 47.1421% | 5,821 |
| Net loans and leases to core deposits | 48.1224% | 5,897 |
| Total domestic deposits to total assets | 86.7919% | 2,583 |
| Equity capital to assets | 12.7252% | 1,529 |
| Core capital (leverage) ratio | 13.0397% | 1,144 |
| Tier 1 risk-based capital ratio | 25.7797% | 798 |
| Total risk-based capital ratio | 27.0330% | 778 |
| Memoranda: | ||
| Average total assets | $78,914,330 | 5,185 |
| Average earning assets | $72,775,670 | 5,165 |
| Average equity | $9,954,330 | 4,817 |
| Average total loans | $33,919,330 | 5,495 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9527% | 6,280 |
| Cost of funding earning assets | 0.3981% | 3,993 |
| Net interest margin | 2.5546% | 6,282 |
| Noninterest income to average assets | 0.5466% | 3,071 |
| Noninterest expense to average assets | 1.6961% | 6,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2108% | 1,457 |
| Return on assets (ROA) | 1.2108% | 1,516 |
| Pretax return on assets | 1.2108% | 2,443 |
| Return on Equity (ROE) | 9.6420% | 2,183 |
| Retained earnings to average equity (ytd only) | 7.6485% | 1,750 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3480% | 5,614 |
| Assets per employee ($millions) | 7.0655% | 783 |
| Cash dividends to net income (ytd only)* | 20.6751% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 2,542 |
| Loan loss allowance to noncurrent loans | 144.0945% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 1.4539% | 2,442 |
| Noncurrent loans to loans | 1.1397% | 3,140 |
| Net loans and leases to total assets | 42.3065% | 5,640 |
| Net loans and leases to deposits | 48.8146% | 5,685 |
| Net loans and leases to core deposits | 49.6422% | 5,783 |
| Total domestic deposits to total assets | 86.6677% | 3,007 |
| Equity capital to assets | 12.7880% | 1,405 |
| Core capital (leverage) ratio | 12.3501% | 1,449 |
| Tier 1 risk-based capital ratio | 26.5962% | 739 |
| Total risk-based capital ratio | 27.8507% | 727 |
| Memoranda: | ||
| Average total assets | $78,297,500 | 5,250 |
| Average earning assets | $72,339,500 | 5,219 |
| Average equity | $9,832,000 | 4,862 |
| Average total loans | $34,207,000 | 5,532 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1483% | 6,197 |
| Cost of funding earning assets | 0.4081% | 4,558 |
| Net interest margin | 2.7402% | 6,086 |
| Noninterest income to average assets | 0.5168% | 3,655 |
| Noninterest expense to average assets | 2.0823% | 5,864 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9534% | 2,558 |
| Return on assets (ROA) | 0.9752% | 2,509 |
| Pretax return on assets | 0.9766% | 3,444 |
| Return on Equity (ROE) | 7.1779% | 3,467 |
| Retained earnings to average equity (ytd only) | 0.6207% | 5,554 |
| Net charge-offs to loans | -0.0116% | 6,043 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5625% | 4,088 |
| Assets per employee ($millions) | 6.0672% | 1,233 |
| Cash dividends to net income (ytd only)* | 91.3529% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 2,889 |
| Loan loss allowance to noncurrent loans | 34.9459% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 2.9414% | 1,085 |
| Noncurrent loans to loans | 4.4906% | 590 |
| Net loans and leases to total assets | 43.6582% | 5,704 |
| Net loans and leases to deposits | 50.4749% | 5,735 |
| Net loans and leases to core deposits | 51.7438% | 5,812 |
| Total domestic deposits to total assets | 86.4949% | 2,990 |
| Equity capital to assets | 12.3298% | 1,607 |
| Core capital (leverage) ratio | 12.1313% | 1,524 |
| Tier 1 risk-based capital ratio | 24.8250% | 868 |
| Total risk-based capital ratio | 26.0764% | 859 |
| Memoranda: | ||
| Average total assets | $73,523,800 | 5,387 |
| Average earning assets | $67,624,000 | 5,355 |
| Average equity | $9,989,000 | 4,848 |
| Average total loans | $34,528,400 | 5,559 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 6,204 |
| Cost of funding earning assets | 0.4049% | 4,783 |
| Net interest margin | 2.7878% | 6,036 |
| Noninterest income to average assets | 0.5301% | 3,588 |
| Noninterest expense to average assets | 1.8452% | 6,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2393% | 1,510 |
| Return on assets (ROA) | 1.2634% | 1,515 |
| Pretax return on assets | 1.2652% | 2,463 |
| Return on Equity (ROE) | 9.0699% | 2,599 |
| Retained earnings to average equity (ytd only) | 7.1206% | 1,821 |
| Net charge-offs to loans | -0.0116% | 5,921 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7846% | 5,468 |
| Assets per employee ($millions) | 5.4891% | 1,635 |
| Cash dividends to net income (ytd only)* | 21.4917% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 3,044 |
| Loan loss allowance to noncurrent loans | 66.5857% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 2.0456% | 1,974 |
| Noncurrent loans to loans | 2.3883% | 1,841 |
| Net loans and leases to total assets | 44.1292% | 5,716 |
| Net loans and leases to deposits | 51.2436% | 5,763 |
| Net loans and leases to core deposits | 52.3576% | 5,872 |
| Total domestic deposits to total assets | 86.1166% | 3,185 |
| Equity capital to assets | 13.3408% | 1,188 |
| Core capital (leverage) ratio | 13.5800% | 991 |
| Tier 1 risk-based capital ratio | 26.3643% | 757 |
| Total risk-based capital ratio | 27.6170% | 738 |
| Memoranda: | ||
| Average total assets | $72,186,250 | 5,465 |
| Average earning assets | $66,192,000 | 5,447 |
| Average equity | $10,055,000 | 4,887 |
| Average total loans | $34,414,500 | 5,613 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2372% | 6,177 |
| Cost of funding earning assets | 0.4074% | 4,871 |
| Net interest margin | 2.8299% | 5,946 |
| Noninterest income to average assets | 0.5578% | 3,452 |
| Noninterest expense to average assets | 1.9056% | 6,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2459% | 1,473 |
| Return on assets (ROA) | 1.2770% | 1,474 |
| Pretax return on assets | 1.2799% | 2,369 |
| Return on Equity (ROE) | 9.0296% | 2,595 |
| Retained earnings to average equity (ytd only) | 7.0675% | 1,866 |
| Net charge-offs to loans | -0.0116% | 5,806 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4129% | 5,420 |
| Assets per employee ($millions) | 5.3596% | 1,736 |
| Cash dividends to net income (ytd only)* | 21.7295% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 3,317 |
| Loan loss allowance to noncurrent loans | 47.4826% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 2.7284% | 1,524 |
| Noncurrent loans to loans | 3.2845% | 1,333 |
| Net loans and leases to total assets | 49.5544% | 5,154 |
| Net loans and leases to deposits | 58.2793% | 5,138 |
| Net loans and leases to core deposits | 59.1449% | 5,333 |
| Total domestic deposits to total assets | 85.0291% | 3,873 |
| Equity capital to assets | 14.3796% | 848 |
| Core capital (leverage) ratio | 14.2549% | 759 |
| Tier 1 risk-based capital ratio | 25.6475% | 805 |
| Total risk-based capital ratio | 26.8994% | 786 |
| Memoranda: | ||
| Average total assets | $70,632,670 | 5,548 |
| Average earning assets | $64,808,330 | 5,534 |
| Average equity | $9,989,330 | 4,939 |
| Average total loans | $34,399,330 | 5,647 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2504% | 6,237 |
| Cost of funding earning assets | 0.4170% | 4,938 |
| Net interest margin | 2.8333% | 5,961 |
| Noninterest income to average assets | 0.5906% | 3,189 |
| Noninterest expense to average assets | 1.9687% | 6,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2206% | 1,474 |
| Return on assets (ROA) | 1.2206% | 1,582 |
| Pretax return on assets | 1.2206% | 2,507 |
| Return on Equity (ROE) | 8.7022% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.7022% | 1,490 |
| Net charge-offs to loans | -0.0117% | 5,498 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7284% | 5,341 |
| Assets per employee ($millions) | 4.8474% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 3,397 |
| Loan loss allowance to noncurrent loans | 88.6364% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 2.2929% | 2,029 |
| Noncurrent loans to loans | 1.8064% | 2,850 |
| Net loans and leases to total assets | 49.4452% | 5,057 |
| Net loans and leases to deposits | 58.4898% | 4,975 |
| Net loans and leases to core deposits | 59.3873% | 5,204 |
| Total domestic deposits to total assets | 84.5365% | 4,253 |
| Equity capital to assets | 14.8505% | 794 |
| Core capital (leverage) ratio | 13.7055% | 871 |
| Tier 1 risk-based capital ratio | 26.0690% | 775 |
| Total risk-based capital ratio | 27.3216% | 765 |
| Memoranda: | ||
| Average total assets | $71,111,500 | 5,592 |
| Average earning assets | $65,223,500 | 5,568 |
| Average equity | $9,974,500 | 4,990 |
| Average total loans | $34,062,000 | 5,701 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5201% | 6,339 |
| Cost of funding earning assets | 0.4829% | 5,333 |
| Net interest margin | 3.0372% | 5,961 |
| Noninterest income to average assets | 0.5332% | 3,690 |
| Noninterest expense to average assets | 2.1473% | 6,030 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1533% | 1,760 |
| Return on assets (ROA) | 1.1533% | 1,924 |
| Pretax return on assets | 1.1562% | 2,963 |
| Return on Equity (ROE) | 8.2316% | 2,987 |
| Retained earnings to average equity (ytd only) | 6.0496% | 2,049 |
| Net charge-offs to loans | -0.1746% | 6,919 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0000% | 4,704 |
| Assets per employee ($millions) | 5.7200% | 1,504 |
| Cash dividends to net income (ytd only)* | 26.5075% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 3,306 |
| Loan loss allowance to noncurrent loans | 130.6954% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.5680% | 3,034 |
| Noncurrent loans to loans | 1.2256% | 3,797 |
| Net loans and leases to total assets | 45.0215% | 5,726 |
| Net loans and leases to deposits | 52.2514% | 5,784 |
| Net loans and leases to core deposits | 53.4630% | 5,916 |
| Total domestic deposits to total assets | 86.1633% | 3,271 |
| Equity capital to assets | 13.2746% | 1,320 |
| Core capital (leverage) ratio | 13.1621% | 1,058 |
| Tier 1 risk-based capital ratio | 25.1868% | 829 |
| Total risk-based capital ratio | 26.4381% | 818 |
| Memoranda: | ||
| Average total assets | $69,016,800 | 5,652 |
| Average earning assets | $62,952,600 | 5,640 |
| Average equity | $9,670,000 | 5,061 |
| Average total loans | $32,640,800 | 5,819 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4178% | 6,605 |
| Cost of funding earning assets | 0.4969% | 5,451 |
| Net interest margin | 2.9209% | 6,318 |
| Noninterest income to average assets | 0.5496% | 3,614 |
| Noninterest expense to average assets | 1.9109% | 6,507 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2982% | 1,445 |
| Return on assets (ROA) | 1.2982% | 1,589 |
| Pretax return on assets | 1.3022% | 2,605 |
| Return on Equity (ROE) | 9.1337% | 2,734 |
| Retained earnings to average equity (ytd only) | 8.5793% | 1,383 |
| Net charge-offs to loans | -0.2683% | 7,037 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4727% | 5,587 |
| Assets per employee ($millions) | 5.4928% | 1,641 |
| Cash dividends to net income (ytd only)* | 6.0696% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 3,563 |
| Loan loss allowance to noncurrent loans | 708.9744% | 576 |
| Noncurrent assets plus other real estate owned to assets | 1.1581% | 3,973 |
| Noncurrent loans to loans | 0.2241% | 6,051 |
| Net loans and leases to total assets | 47.9673% | 5,551 |
| Net loans and leases to deposits | 56.1140% | 5,625 |
| Net loans and leases to core deposits | 57.4669% | 5,773 |
| Total domestic deposits to total assets | 85.4818% | 3,516 |
| Equity capital to assets | 13.9468% | 1,178 |
| Core capital (leverage) ratio | 13.7140% | 940 |
| Tier 1 risk-based capital ratio | 26.2153% | 808 |
| Total risk-based capital ratio | 27.4687% | 787 |
| Memoranda: | ||
| Average total assets | $67,681,000 | 5,754 |
| Average earning assets | $61,714,250 | 5,744 |
| Average equity | $9,619,750 | 5,125 |
| Average total loans | $32,295,250 | 5,910 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4636% | 6,650 |
| Cost of funding earning assets | 0.5204% | 5,480 |
| Net interest margin | 2.9432% | 6,354 |
| Noninterest income to average assets | 0.5720% | 3,432 |
| Noninterest expense to average assets | 1.9296% | 6,549 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3095% | 1,416 |
| Return on assets (ROA) | 1.3095% | 1,565 |
| Pretax return on assets | 1.3155% | 2,500 |
| Return on Equity (ROE) | 9.1515% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.3100% | 1,519 |
| Net charge-offs to loans | -0.1144% | 6,882 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4620% | 5,667 |
| Assets per employee ($millions) | 4.8638% | 2,337 |
| Cash dividends to net income (ytd only)* | 9.1954% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 3,559 |
| Loan loss allowance to noncurrent loans | 581.6092% | 636 |
| Noncurrent assets plus other real estate owned to assets | 1.3222% | 3,791 |
| Noncurrent loans to loans | 0.2773% | 6,019 |
| Net loans and leases to total assets | 48.8225% | 5,515 |
| Net loans and leases to deposits | 58.1192% | 5,435 |
| Net loans and leases to core deposits | 58.8381% | 5,706 |
| Total domestic deposits to total assets | 84.0042% | 4,315 |
| Equity capital to assets | 15.3474% | 709 |
| Core capital (leverage) ratio | 14.4622% | 706 |
| Tier 1 risk-based capital ratio | 28.7437% | 592 |
| Total risk-based capital ratio | 29.9991% | 574 |
| Memoranda: | ||
| Average total assets | $66,439,000 | 5,832 |
| Average earning assets | $60,342,670 | 5,826 |
| Average equity | $9,506,670 | 5,154 |
| Average total loans | $31,458,670 | 5,992 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4028% | 6,807 |
| Cost of funding earning assets | 0.5434% | 5,540 |
| Net interest margin | 2.8594% | 6,540 |
| Noninterest income to average assets | 0.5467% | 3,586 |
| Noninterest expense to average assets | 1.8635% | 6,713 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2698% | 1,537 |
| Return on assets (ROA) | 1.2698% | 1,709 |
| Pretax return on assets | 1.2815% | 2,602 |
| Return on Equity (ROE) | 9.1837% | 2,743 |
| Retained earnings to average equity (ytd only) | 7.4830% | 2,180 |
| Net charge-offs to loans | -0.0254% | 6,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2523% | 5,731 |
| Assets per employee ($millions) | 5.1911% | 2,001 |
| Cash dividends to net income (ytd only)* | 18.5185% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 3,980 |
| Loan loss allowance to noncurrent loans | 618.9873% | 567 |
| Noncurrent assets plus other real estate owned to assets | 1.2270% | 4,086 |
| Noncurrent loans to loans | 0.2491% | 6,185 |
| Net loans and leases to total assets | 46.2762% | 5,750 |
| Net loans and leases to deposits | 54.2358% | 5,787 |
| Net loans and leases to core deposits | 55.1496% | 5,974 |
| Total domestic deposits to total assets | 85.3239% | 3,872 |
| Equity capital to assets | 14.0448% | 1,011 |
| Core capital (leverage) ratio | 13.5958% | 910 |
| Tier 1 risk-based capital ratio | 28.7355% | 586 |
| Total risk-based capital ratio | 29.9892% | 576 |
| Memoranda: | ||
| Average total assets | $68,044,000 | 5,826 |
| Average earning assets | $61,831,500 | 5,814 |
| Average equity | $9,408,000 | 5,191 |
| Average total loans | $31,500,000 | 6,036 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8288% | 6,697 |
| Cost of funding earning assets | 0.6987% | 5,552 |
| Net interest margin | 3.1301% | 6,271 |
| Noninterest income to average assets | 0.5991% | 3,167 |
| Noninterest expense to average assets | 2.2706% | 6,116 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0400% | 2,044 |
| Return on assets (ROA) | 1.0400% | 2,190 |
| Pretax return on assets | 1.0400% | 3,080 |
| Return on Equity (ROE) | 7.4114% | 3,196 |
| Retained earnings to average equity (ytd only) | 0.3503% | 5,676 |
| Net charge-offs to loans | 0.5401% | 2,852 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 3.9133% | 3,339 |
| Efficiency ratio | 68.5847% | 4,237 |
| Assets per employee ($millions) | 5.7170% | 1,428 |
| Cash dividends to net income (ytd only)* | 95.2733% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5600% | 3,750 |
| Loan loss allowance to noncurrent loans | 375.3846% | 890 |
| Noncurrent assets plus other real estate owned to assets | 1.2813% | 4,078 |
| Noncurrent loans to loans | 0.4156% | 5,888 |
| Net loans and leases to total assets | 44.8866% | 6,124 |
| Net loans and leases to deposits | 52.3343% | 6,180 |
| Net loans and leases to core deposits | 52.9370% | 6,372 |
| Total domestic deposits to total assets | 85.7691% | 3,448 |
| Equity capital to assets | 13.6115% | 1,215 |
| Core capital (leverage) ratio | 13.3370% | 1,026 |
| Tier 1 risk-based capital ratio | 28.0550% | 620 |
| Total risk-based capital ratio | 29.3096% | 611 |
| Memoranda: | ||
| Average total assets | $65,094,000 | 5,894 |
| Average earning assets | $56,388,200 | 5,966 |
| Average equity | $9,134,600 | 5,242 |
| Average total loans | $32,028,600 | 6,070 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8864% | 6,747 |
| Cost of funding earning assets | 0.7477% | 5,478 |
| Net interest margin | 3.1387% | 6,319 |
| Noninterest income to average assets | 0.4796% | 4,045 |
| Noninterest expense to average assets | 1.9641% | 6,765 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2001% | 1,653 |
| Return on assets (ROA) | 1.3662% | 1,314 |
| Pretax return on assets | 1.3662% | 2,061 |
| Return on Equity (ROE) | 9.6580% | 2,324 |
| Retained earnings to average equity (ytd only) | 0.4844% | 5,807 |
| Net charge-offs to loans | -0.0041% | 6,703 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0735% | 5,396 |
| Assets per employee ($millions) | 4.9523% | 2,256 |
| Cash dividends to net income (ytd only)* | 94.9847% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0810% | 2,112 |
| Loan loss allowance to noncurrent loans | 152.1839% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 1.8391% | 3,348 |
| Noncurrent loans to loans | 1.3675% | 4,249 |
| Net loans and leases to total assets | 48.3830% | 5,907 |
| Net loans and leases to deposits | 57.0390% | 5,931 |
| Net loans and leases to core deposits | 58.0402% | 6,123 |
| Total domestic deposits to total assets | 84.8245% | 3,860 |
| Equity capital to assets | 14.4921% | 994 |
| Core capital (leverage) ratio | 13.7774% | 963 |
| Tier 1 risk-based capital ratio | 27.1049% | 725 |
| Total risk-based capital ratio | 28.3659% | 716 |
| Memoranda: | ||
| Average total assets | $64,216,500 | 5,962 |
| Average earning assets | $54,925,500 | 6,068 |
| Average equity | $9,083,750 | 5,282 |
| Average total loans | $32,215,250 | 6,120 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 6,745 |
| Cost of funding earning assets | 0.7957% | 5,398 |
| Net interest margin | 3.1493% | 6,285 |
| Noninterest income to average assets | 0.4644% | 4,152 |
| Noninterest expense to average assets | 1.9918% | 6,815 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1003% | 1,871 |
| Return on assets (ROA) | 1.3497% | 1,266 |
| Pretax return on assets | 1.3497% | 1,962 |
| Return on Equity (ROE) | 9.6204% | 2,257 |
| Retained earnings to average equity (ytd only) | -4.2659% | 6,501 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4153% | 5,164 |
| Assets per employee ($millions) | 4.9830% | 2,153 |
| Cash dividends to net income (ytd only)* | 144.3418% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1192% | 2,076 |
| Loan loss allowance to noncurrent loans | 98.3631% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 2.1936% | 2,991 |
| Noncurrent loans to loans | 2.1545% | 3,280 |
| Net loans and leases to total assets | 47.1295% | 6,139 |
| Net loans and leases to deposits | 55.2100% | 6,207 |
| Net loans and leases to core deposits | 56.1668% | 6,403 |
| Total domestic deposits to total assets | 85.3641% | 3,691 |
| Equity capital to assets | 13.9521% | 1,111 |
| Core capital (leverage) ratio | 13.5501% | 982 |
| Tier 1 risk-based capital ratio | 26.9390% | 732 |
| Total risk-based capital ratio | 28.2000% | 716 |
| Memoranda: | ||
| Average total assets | $64,162,000 | 6,009 |
| Average earning assets | $53,536,000 | 6,162 |
| Average equity | $9,001,670 | 5,327 |
| Average total loans | $32,350,000 | 6,174 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 6,168 |
| Cost of funding earning assets | 0.8657% | 5,167 |
| Net interest margin | 3.3763% | 5,519 |
| Noninterest income to average assets | 0.4886% | 3,980 |
| Noninterest expense to average assets | 1.9232% | 6,950 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2529% | 1,381 |
| Return on assets (ROA) | 1.2529% | 1,434 |
| Pretax return on assets | 1.2529% | 2,190 |
| Return on Equity (ROE) | 8.9052% | 2,509 |
| Retained earnings to average equity (ytd only) | -17.1425% | 7,096 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5523% | 5,900 |
| Assets per employee ($millions) | 4.9020% | 2,298 |
| Cash dividends to net income (ytd only)* | 292.5000% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0588% | 2,272 |
| Loan loss allowance to noncurrent loans | 40.8529% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 2.9941% | 2,306 |
| Noncurrent loans to loans | 5.0396% | 1,332 |
| Net loans and leases to total assets | 49.3441% | 5,926 |
| Net loans and leases to deposits | 57.7216% | 5,951 |
| Net loans and leases to core deposits | 58.7373% | 6,195 |
| Total domestic deposits to total assets | 85.4863% | 3,789 |
| Equity capital to assets | 13.8028% | 1,066 |
| Core capital (leverage) ratio | 13.3790% | 1,002 |
| Tier 1 risk-based capital ratio | 25.7382% | 809 |
| Total risk-based capital ratio | 26.9979% | 787 |
| Memoranda: | ||
| Average total assets | $63,853,500 | 6,065 |
| Average earning assets | $50,825,000 | 6,309 |
| Average equity | $8,983,500 | 5,335 |
| Average total loans | $32,929,500 | 6,186 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3242% | 3,009 |
| Cost of funding earning assets | 1.1020% | 5,127 |
| Net interest margin | 4.2222% | 2,085 |
| Noninterest income to average assets | 0.4035% | 4,883 |
| Noninterest expense to average assets | 2.4260% | 6,025 |
| Loan and lease loss provision to assets | 0.1849% | 5,383 |
| Net operating income to assets | 0.9583% | 2,172 |
| Return on assets (ROA) | 0.9768% | 2,230 |
| Pretax return on assets | 0.9801% | 2,998 |
| Return on Equity (ROE) | 6.4328% | 3,384 |
| Retained earnings to average equity (ytd only) | 5.6356% | 2,028 |
| Net charge-offs to loans | 0.4287% | 3,902 |
| Credit loss provision to net charge-offs | 75.8621% | 5,700 |
| Earnings coverage of net charge-offs (x) | 4.7034% | 2,838 |
| Efficiency ratio | 67.9059% | 4,580 |
| Assets per employee ($millions) | 4.9216% | 2,255 |
| Cash dividends to net income (ytd only)* | 12.3924% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9583% | 2,408 |
| Loan loss allowance to noncurrent loans | 45.3050% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 2.7336% | 2,555 |
| Noncurrent loans to loans | 4.3226% | 1,668 |
| Net loans and leases to total assets | 51.7216% | 5,951 |
| Net loans and leases to deposits | 60.8790% | 5,964 |
| Net loans and leases to core deposits | 61.9376% | 6,241 |
| Total domestic deposits to total assets | 84.9580% | 3,871 |
| Equity capital to assets | 14.3339% | 948 |
| Core capital (leverage) ratio | 14.2635% | 796 |
| Tier 1 risk-based capital ratio | 25.6841% | 788 |
| Total risk-based capital ratio | 26.9417% | 763 |
| Memoranda: | ||
| Average total assets | $59,481,200 | 6,223 |
| Average earning assets | $44,645,400 | 6,557 |
| Average equity | $9,031,800 | 5,412 |
| Average total loans | $33,822,000 | 6,214 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1560% | 4,046 |
| Cost of funding earning assets | 1.1220% | 5,308 |
| Net interest margin | 4.0340% | 2,941 |
| Noninterest income to average assets | 0.5278% | 3,959 |
| Noninterest expense to average assets | 2.0951% | 6,856 |
| Loan and lease loss provision to assets | 0.2513% | 4,578 |
| Net operating income to assets | 1.2817% | 1,373 |
| Return on assets (ROA) | 1.3069% | 1,392 |
| Pretax return on assets | 1.3115% | 2,134 |
| Return on Equity (ROE) | 8.4767% | 2,697 |
| Retained earnings to average equity (ytd only) | 7.6764% | 1,528 |
| Net charge-offs to loans | 0.2679% | 4,343 |
| Credit loss provision to net charge-offs | 161.7647% | 2,331 |
| Earnings coverage of net charge-offs (x) | 9.8975% | 1,946 |
| Efficiency ratio | 57.6730% | 6,312 |
| Assets per employee ($millions) | 4.5888% | 2,768 |
| Cash dividends to net income (ytd only)* | 9.4408% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1757% | 1,848 |
| Loan loss allowance to noncurrent loans | 48.8111% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 3.4113% | 2,081 |
| Noncurrent loans to loans | 4.4574% | 1,628 |
| Net loans and leases to total assets | 55.6986% | 5,595 |
| Net loans and leases to deposits | 66.5432% | 5,601 |
| Net loans and leases to core deposits | 67.0183% | 6,034 |
| Total domestic deposits to total assets | 83.7030% | 4,269 |
| Equity capital to assets | 15.5611% | 757 |
| Core capital (leverage) ratio | 14.9593% | 722 |
| Tier 1 risk-based capital ratio | 25.1123% | 856 |
| Total risk-based capital ratio | 26.3718% | 836 |
| Memoranda: | ||
| Average total assets | $58,356,250 | 6,335 |
| Average earning assets | $44,917,250 | 6,620 |
| Average equity | $8,997,000 | 5,501 |
| Average total loans | $33,839,250 | 6,297 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1520% | 4,187 |
| Cost of funding earning assets | 1.1647% | 5,315 |
| Net interest margin | 3.9874% | 3,078 |
| Noninterest income to average assets | 0.5455% | 3,745 |
| Noninterest expense to average assets | 2.0993% | 6,911 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5365% | 832 |
| Return on assets (ROA) | 1.5745% | 827 |
| Pretax return on assets | 1.5814% | 1,351 |
| Return on Equity (ROE) | 10.2453% | 2,009 |
| Retained earnings to average equity (ytd only) | 9.4364% | 977 |
| Net charge-offs to loans | 0.0237% | 6,006 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 111.7500% | 300 |
| Efficiency ratio | 57.6303% | 6,434 |
| Assets per employee ($millions) | 4.3892% | 3,067 |
| Cash dividends to net income (ytd only)* | 7.8947% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9783% | 2,235 |
| Loan loss allowance to noncurrent loans | 39.7819% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 3.6172% | 1,939 |
| Noncurrent loans to loans | 4.9729% | 1,392 |
| Net loans and leases to total assets | 60.1770% | 5,022 |
| Net loans and leases to deposits | 72.3021% | 4,944 |
| Net loans and leases to core deposits | 72.8451% | 5,577 |
| Total domestic deposits to total assets | 83.2299% | 4,474 |
| Equity capital to assets | 15.9849% | 670 |
| Core capital (leverage) ratio | 15.1242% | 703 |
| Tier 1 risk-based capital ratio | 24.0481% | 938 |
| Total risk-based capital ratio | 25.3063% | 921 |
| Memoranda: | ||
| Average total assets | $57,923,330 | 6,394 |
| Average earning assets | $44,992,000 | 6,664 |
| Average equity | $8,901,670 | 5,531 |
| Average total loans | $33,797,000 | 6,345 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1114% | 4,478 |
| Cost of funding earning assets | 1.2465% | 5,132 |
| Net interest margin | 3.8649% | 3,486 |
| Noninterest income to average assets | 0.5621% | 3,546 |
| Noninterest expense to average assets | 2.1044% | 6,928 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3922% | 1,093 |
| Return on assets (ROA) | 1.4669% | 1,023 |
| Pretax return on assets | 1.4874% | 1,544 |
| Return on Equity (ROE) | 9.7361% | 2,193 |
| Retained earnings to average equity (ytd only) | 9.7361% | 1,202 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8441% | 6,205 |
| Assets per employee ($millions) | 4.4012% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1347% | 1,877 |
| Loan loss allowance to noncurrent loans | 63.0769% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 2.4941% | 2,914 |
| Noncurrent loans to loans | 3.3843% | 2,364 |
| Net loans and leases to total assets | 55.8490% | 5,765 |
| Net loans and leases to deposits | 66.8312% | 5,731 |
| Net loans and leases to core deposits | 67.3297% | 6,174 |
| Total domestic deposits to total assets | 83.5672% | 4,354 |
| Equity capital to assets | 15.5886% | 750 |
| Core capital (leverage) ratio | 14.5160% | 851 |
| Tier 1 risk-based capital ratio | 24.8855% | 882 |
| Total risk-based capital ratio | 26.1459% | 856 |
| Memoranda: | ||
| Average total assets | $58,355,000 | 6,456 |
| Average earning assets | $44,606,500 | 6,753 |
| Average equity | $8,792,000 | 5,594 |
| Average total loans | $33,180,500 | 6,454 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4277% | 4,547 |
| Cost of funding earning assets | 1.3790% | 6,019 |
| Net interest margin | 4.0487% | 2,657 |
| Noninterest income to average assets | 0.5430% | 4,089 |
| Noninterest expense to average assets | 2.7238% | 5,280 |
| Loan and lease loss provision to assets | 0.6182% | 3,328 |
| Net operating income to assets | 0.5681% | 3,452 |
| Return on assets (ROA) | 0.5681% | 3,531 |
| Pretax return on assets | 0.5681% | 3,992 |
| Return on Equity (ROE) | 3.6992% | 4,205 |
| Retained earnings to average equity (ytd only) | 1.5870% | 3,969 |
| Net charge-offs to loans | 0.1950% | 5,426 |
| Credit loss provision to net charge-offs | 522.7273% | 581 |
| Earnings coverage of net charge-offs (x) | 10.0303% | 1,729 |
| Efficiency ratio | 69.6609% | 4,703 |
| Assets per employee ($millions) | 4.5765% | 2,798 |
| Cash dividends to net income (ytd only)* | 57.0978% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0647% | 1,878 |
| Loan loss allowance to noncurrent loans | 42.9365% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 2.7246% | 2,565 |
| Noncurrent loans to loans | 4.8087% | 1,433 |
| Net loans and leases to total assets | 55.4904% | 6,024 |
| Net loans and leases to deposits | 65.5977% | 6,102 |
| Net loans and leases to core deposits | 75.7237% | 6,419 |
| Total domestic deposits to total assets | 84.5920% | 3,761 |
| Equity capital to assets | 14.5642% | 1,009 |
| Core capital (leverage) ratio | 14.3246% | 921 |
| Tier 1 risk-based capital ratio | 23.3942% | 1,002 |
| Total risk-based capital ratio | 24.6800% | 981 |
| Memoranda: | ||
| Average total assets | $55,804,200 | 6,499 |
| Average earning assets | $46,410,000 | 6,669 |
| Average equity | $8,569,400 | 5,744 |
| Average total loans | $33,841,000 | 6,409 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3741% | 5,072 |
| Cost of funding earning assets | 1.3971% | 6,244 |
| Net interest margin | 3.9770% | 2,906 |
| Noninterest income to average assets | 0.5539% | 4,052 |
| Noninterest expense to average assets | 2.3177% | 6,649 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6180% | 641 |
| Return on assets (ROA) | 1.6180% | 693 |
| Pretax return on assets | 1.6180% | 1,142 |
| Return on Equity (ROE) | 10.3912% | 1,791 |
| Retained earnings to average equity (ytd only) | 8.0820% | 1,114 |
| Net charge-offs to loans | 0.0118% | 6,767 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 221.9950% | 175 |
| Efficiency ratio | 58.8889% | 6,577 |
| Assets per employee ($millions) | 4.2901% | 3,218 |
| Cash dividends to net income (ytd only)* | 22.2223% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 5,101 |
| Loan loss allowance to noncurrent loans | 16.2407% | 7,272 |
| Noncurrent assets plus other real estate owned to assets | 4.5597% | 1,332 |
| Noncurrent loans to loans | 7.3965% | 702 |
| Net loans and leases to total assets | 60.9062% | 5,441 |
| Net loans and leases to deposits | 73.4793% | 5,449 |
| Net loans and leases to core deposits | 84.8627% | 5,978 |
| Total domestic deposits to total assets | 82.8890% | 4,276 |
| Equity capital to assets | 16.2396% | 752 |
| Core capital (leverage) ratio | 15.3105% | 803 |
| Tier 1 risk-based capital ratio | 24.5636% | 943 |
| Total risk-based capital ratio | 25.7301% | 931 |
| Memoranda: | ||
| Average total assets | $54,881,500 | 6,582 |
| Average earning assets | $46,667,000 | 6,704 |
| Average equity | $8,545,500 | 5,809 |
| Average total loans | $33,873,750 | 6,456 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3406% | 5,445 |
| Cost of funding earning assets | 1.3844% | 6,535 |
| Net interest margin | 3.9562% | 2,870 |
| Noninterest income to average assets | 0.5569% | 3,981 |
| Noninterest expense to average assets | 2.3633% | 6,580 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5755% | 719 |
| Return on assets (ROA) | 1.5755% | 778 |
| Pretax return on assets | 1.5755% | 1,268 |
| Return on Equity (ROE) | 10.2687% | 1,923 |
| Retained earnings to average equity (ytd only) | 7.4985% | 1,387 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 6,554 |
| Assets per employee ($millions) | 4.5005% | 2,774 |
| Cash dividends to net income (ytd only)* | 26.9767% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 4,817 |
| Loan loss allowance to noncurrent loans | 24.2583% | 6,884 |
| Noncurrent assets plus other real estate owned to assets | 3.1830% | 1,975 |
| Noncurrent loans to loans | 5.0287% | 1,220 |
| Net loans and leases to total assets | 62.5245% | 5,265 |
| Net loans and leases to deposits | 75.2921% | 5,278 |
| Net loans and leases to core deposits | 84.0017% | 6,089 |
| Total domestic deposits to total assets | 83.0426% | 4,217 |
| Equity capital to assets | 16.0186% | 821 |
| Core capital (leverage) ratio | 15.3896% | 841 |
| Tier 1 risk-based capital ratio | 23.4803% | 1,094 |
| Total risk-based capital ratio | 24.6336% | 1,077 |
| Memoranda: | ||
| Average total assets | $54,585,000 | 6,653 |
| Average earning assets | $46,661,330 | 6,762 |
| Average equity | $8,375,000 | 5,890 |
| Average total loans | $33,704,670 | 6,523 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4153% | 5,342 |
| Cost of funding earning assets | 1.4675% | 6,515 |
| Net interest margin | 3.9477% | 2,857 |
| Noninterest income to average assets | 0.5831% | 3,664 |
| Noninterest expense to average assets | 2.2670% | 6,641 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6693% | 689 |
| Return on assets (ROA) | 1.6693% | 757 |
| Pretax return on assets | 1.6693% | 1,247 |
| Return on Equity (ROE) | 11.1206% | 1,933 |
| Retained earnings to average equity (ytd only) | 11.1206% | 945 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5926% | 6,751 |
| Assets per employee ($millions) | 4.6131% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 4,272 |
| Loan loss allowance to noncurrent loans | 48.0415% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 1.5680% | 3,575 |
| Noncurrent loans to loans | 2.6448% | 2,484 |
| Net loans and leases to total assets | 58.5328% | 5,861 |
| Net loans and leases to deposits | 69.8620% | 5,993 |
| Net loans and leases to core deposits | 79.0582% | 6,453 |
| Total domestic deposits to total assets | 83.7834% | 3,811 |
| Equity capital to assets | 15.2700% | 1,024 |
| Core capital (leverage) ratio | 15.4179% | 884 |
| Tier 1 risk-based capital ratio | 23.8816% | 1,098 |
| Total risk-based capital ratio | 25.0660% | 1,079 |
| Memoranda: | ||
| Average total assets | $54,874,500 | 6,675 |
| Average earning assets | $46,609,000 | 6,815 |
| Average equity | $8,237,000 | 5,974 |
| Average total loans | $33,465,000 | 6,565 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0192% | 5,454 |
| Cost of funding earning assets | 1.9706% | 6,506 |
| Net interest margin | 4.0485% | 2,912 |
| Noninterest income to average assets | 0.6027% | 3,826 |
| Noninterest expense to average assets | 2.8086% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3544% | 1,336 |
| Return on assets (ROA) | 1.4433% | 1,091 |
| Pretax return on assets | 1.4451% | 1,839 |
| Return on Equity (ROE) | 10.0610% | 2,240 |
| Retained earnings to average equity (ytd only) | 8.0361% | 841 |
| Net charge-offs to loans | -0.0354% | 7,992 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4368% | 4,832 |
| Assets per employee ($millions) | 3.8851% | 3,772 |
| Cash dividends to net income (ytd only)* | 20.1258% | 4,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 4,357 |
| Loan loss allowance to noncurrent loans | 28.6598% | 6,784 |
| Noncurrent assets plus other real estate owned to assets | 2.6750% | 1,776 |
| Noncurrent loans to loans | 4.2655% | 1,141 |
| Net loans and leases to total assets | 61.9466% | 5,630 |
| Net loans and leases to deposits | 73.5035% | 5,896 |
| Net loans and leases to core deposits | 81.5184% | 6,492 |
| Total domestic deposits to total assets | 84.2771% | 3,190 |
| Equity capital to assets | 14.7467% | 1,232 |
| Core capital (leverage) ratio | 14.8149% | 1,073 |
| Tier 1 risk-based capital ratio | 22.2788% | 1,281 |
| Total risk-based capital ratio | 23.4147% | 1,261 |
| Memoranda: | ||
| Average total assets | $55,081,200 | 6,571 |
| Average earning assets | $48,461,800 | 6,657 |
| Average equity | $7,901,800 | 6,124 |
| Average total loans | $33,882,800 | 6,492 |