Home > Cambridge State Bank > Performance and Condition Ratios
Cambridge State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0053% | 3,961 |
| Cost of funding earning assets | 0.3693% | 4,316 |
| Net interest margin | 3.6360% | 1,889 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 2.7543% | 1,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7728% | 2,972 |
| Return on assets (ROA) | -0.5810% | 4,496 |
| Pretax return on assets | -0.5515% | 4,488 |
| Return on Equity (ROE) | -7.4800% | 4,486 |
| Retained earnings to average equity (ytd only) | -7.4784% | 4,433 |
| 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 | 77.4410% | 1,123 |
| Assets per employee ($millions) | 7.8695% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6761% | 4,156 |
| Loan loss allowance to noncurrent loans | 407.5000% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 1,067 |
| Noncurrent loans to loans | 0.1659% | 2,689 |
| Net loans and leases to total assets | 55.3300% | 3,249 |
| Net loans and leases to deposits | 60.5627% | 3,490 |
| Net loans and leases to core deposits | 64.1447% | 3,585 |
| Total domestic deposits to total assets | 91.3500% | 424 |
| Equity capital to assets | 8.5173% | 3,041 |
| Core capital (leverage) ratio | 9.3012% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $88,117,400 | 3,933 |
| Average earning assets | $84,214,400 | 3,889 |
| Average equity | $6,846,400 | 4,065 |
| Average total loans | $47,353,000 | 3,880 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8768% | 4,030 |
| Cost of funding earning assets | 0.3014% | 4,358 |
| Net interest margin | 3.5754% | 2,063 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 2.5083% | 2,215 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9330% | 2,573 |
| Return on assets (ROA) | 0.8828% | 2,730 |
| Pretax return on assets | 0.9054% | 3,089 |
| Return on Equity (ROE) | 11.6400% | 2,217 |
| Retained earnings to average equity (ytd only) | 11.6358% | 1,037 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.3913% | 1,524 |
| Assets per employee ($millions) | 7.2664% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6566% | 4,197 |
| Loan loss allowance to noncurrent loans | 397.5610% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 1,111 |
| Noncurrent loans to loans | 0.1652% | 2,719 |
| Net loans and leases to total assets | 56.5700% | 3,147 |
| Net loans and leases to deposits | 61.4706% | 3,433 |
| Net loans and leases to core deposits | 65.0258% | 3,480 |
| Total domestic deposits to total assets | 92.0200% | 444 |
| Equity capital to assets | 7.8592% | 3,146 |
| Core capital (leverage) ratio | 10.4543% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $88,505,500 | 3,941 |
| Average earning assets | $84,500,500 | 3,901 |
| Average equity | $6,714,750 | 4,077 |
| Average total loans | $47,136,500 | 3,895 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7504% | 4,080 |
| Cost of funding earning assets | 0.2409% | 4,388 |
| Net interest margin | 3.5095% | 2,240 |
| Noninterest income to average assets | -0.0200% | 4,644 |
| Noninterest expense to average assets | 2.5410% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7758% | 3,152 |
| Return on assets (ROA) | 0.7758% | 3,165 |
| Pretax return on assets | 0.7825% | 3,435 |
| Return on Equity (ROE) | 10.3500% | 2,611 |
| Retained earnings to average equity (ytd only) | 10.3469% | 1,321 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.4547% | 1,135 |
| Assets per employee ($millions) | 7.2741% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 4,233 |
| Loan loss allowance to noncurrent loans | 392.7711% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 1,035 |
| Noncurrent loans to loans | 0.1690% | 2,634 |
| Net loans and leases to total assets | 55.9000% | 3,128 |
| Net loans and leases to deposits | 60.6737% | 3,380 |
| Net loans and leases to core deposits | 63.5302% | 3,473 |
| Total domestic deposits to total assets | 92.1300% | 388 |
| Equity capital to assets | 7.7662% | 3,364 |
| Core capital (leverage) ratio | 10.2984% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $88,941,667 | 3,950 |
| Average earning assets | $84,683,333 | 3,914 |
| Average equity | $6,668,667 | 4,112 |
| Average total loans | $46,298,667 | 3,918 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6937% | 4,031 |
| Cost of funding earning assets | 0.1694% | 4,425 |
| Net interest margin | 3.5243% | 2,304 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.5889% | 1,985 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9313% | 2,750 |
| Return on assets (ROA) | 0.9313% | 2,706 |
| Pretax return on assets | 0.9313% | 3,166 |
| Return on Equity (ROE) | 12.6400% | 2,066 |
| Retained earnings to average equity (ytd only) | 12.6408% | 1,155 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.5443% | 1,386 |
| Assets per employee ($millions) | 7.4120% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7072% | 4,236 |
| Loan loss allowance to noncurrent loans | 379.0698% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 813 |
| Noncurrent loans to loans | 0.1866% | 2,548 |
| Net loans and leases to total assets | 51.4600% | 3,386 |
| Net loans and leases to deposits | 55.8793% | 3,580 |
| Net loans and leases to core deposits | 57.0075% | 3,692 |
| Total domestic deposits to total assets | 92.1000% | 493 |
| Equity capital to assets | 7.8285% | 3,363 |
| Core capital (leverage) ratio | 9.9161% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $89,768,000 | 3,996 |
| Average earning assets | $85,009,000 | 3,961 |
| Average equity | $6,613,500 | 4,171 |
| Average total loans | $44,887,500 | 3,982 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0737% | 4,037 |
| Cost of funding earning assets | 0.0890% | 4,432 |
| Net interest margin | 2.9847% | 3,490 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.4174% | 2,370 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5378% | 4,021 |
| Return on assets (ROA) | 0.5378% | 3,976 |
| Pretax return on assets | 0.5378% | 4,117 |
| Return on Equity (ROE) | 6.8300% | 3,668 |
| Retained earnings to average equity (ytd only) | 2.3803% | 3,895 |
| Net charge-offs to loans | -0.0046% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.8011% | 606 |
| Assets per employee ($millions) | 6.4709% | 2,359 |
| Cash dividends to net income (ytd only)* | 65.1546% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7464% | 4,141 |
| Loan loss allowance to noncurrent loans | 370.4545% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 810 |
| Noncurrent loans to loans | 0.2015% | 2,483 |
| Net loans and leases to total assets | 47.8500% | 3,678 |
| Net loans and leases to deposits | 51.4424% | 3,832 |
| Net loans and leases to core deposits | 52.2957% | 3,901 |
| Total domestic deposits to total assets | 93.0200% | 402 |
| Equity capital to assets | 6.9145% | 3,709 |
| Core capital (leverage) ratio | 9.4944% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $90,180,200 | 4,009 |
| Average earning assets | $85,369,000 | 3,977 |
| Average equity | $7,100,000 | 4,199 |
| Average total loans | $43,937,600 | 3,990 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9044% | 4,054 |
| Cost of funding earning assets | 0.0763% | 4,444 |
| Net interest margin | 2.8281% | 3,669 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.4038% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4589% | 4,152 |
| Return on assets (ROA) | 0.4589% | 4,096 |
| Pretax return on assets | 0.4589% | 4,199 |
| Return on Equity (ROE) | 5.6500% | 3,861 |
| Retained earnings to average equity (ytd only) | 5.6550% | 2,875 |
| Net charge-offs to loans | -0.0061% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.9710% | 548 |
| Assets per employee ($millions) | 7.1015% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 4,218 |
| Loan loss allowance to noncurrent loans | 210.3226% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 703 |
| Noncurrent loans to loans | 0.3442% | 1,998 |
| Net loans and leases to total assets | 48.4200% | 3,590 |
| Net loans and leases to deposits | 51.9049% | 3,738 |
| Net loans and leases to core deposits | 52.5641% | 3,828 |
| Total domestic deposits to total assets | 93.2900% | 504 |
| Equity capital to assets | 6.6530% | 3,678 |
| Core capital (leverage) ratio | 9.8026% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $90,077,250 | 4,043 |
| Average earning assets | $85,616,000 | 4,003 |
| Average equity | $7,309,000 | 4,217 |
| Average total loans | $44,003,000 | 4,018 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8125% | 3,953 |
| Cost of funding earning assets | 0.0660% | 4,484 |
| Net interest margin | 2.7465% | 3,584 |
| Noninterest income to average assets | 0.1858% | 4,076 |
| Noninterest expense to average assets | 2.3799% | 2,297 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4142% | 4,081 |
| Return on assets (ROA) | 0.4142% | 4,029 |
| Pretax return on assets | 0.4142% | 4,136 |
| Return on Equity (ROE) | 4.8064% | 3,855 |
| Retained earnings to average equity (ytd only) | 4.8064% | 2,780 |
| Net charge-offs to loans | -0.0092% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1763% | 615 |
| Assets per employee ($millions) | 7.2932% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7587% | 4,240 |
| Loan loss allowance to noncurrent loans | 350.5376% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 772 |
| Noncurrent loans to loans | 0.2165% | 2,634 |
| Net loans and leases to total assets | 48.7214% | 3,492 |
| Net loans and leases to deposits | 52.9118% | 3,614 |
| Net loans and leases to core deposits | 53.6345% | 3,717 |
| Total domestic deposits to total assets | 92.0805% | 807 |
| Equity capital to assets | 7.8578% | 3,234 |
| Core capital (leverage) ratio | 9.8824% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,330,000 | 4,088 |
| Average earning assets | $84,836,000 | 4,064 |
| Average equity | $7,698,000 | 4,235 |
| Average total loans | $43,661,667 | 4,077 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6983% | 3,954 |
| Cost of funding earning assets | 0.0697% | 4,453 |
| Net interest margin | 2.6286% | 3,592 |
| Noninterest income to average assets | 0.1817% | 4,070 |
| Noninterest expense to average assets | 2.2829% | 2,565 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4078% | 3,937 |
| Return on assets (ROA) | 0.4078% | 3,901 |
| Pretax return on assets | 0.4078% | 4,020 |
| Return on Equity (ROE) | 4.5384% | 3,747 |
| Retained earnings to average equity (ytd only) | 4.5384% | 2,762 |
| Net charge-offs to loans | -0.0091% | 3,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8435% | 794 |
| Assets per employee ($millions) | 7.4165% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 4,326 |
| Loan loss allowance to noncurrent loans | 342.1053% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 821 |
| Noncurrent loans to loans | 0.2160% | 2,739 |
| Net loans and leases to total assets | 49.0629% | 3,272 |
| Net loans and leases to deposits | 53.6129% | 3,447 |
| Net loans and leases to core deposits | 54.3415% | 3,571 |
| Total domestic deposits to total assets | 91.5133% | 799 |
| Equity capital to assets | 8.4249% | 3,221 |
| Core capital (leverage) ratio | 9.7482% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,236,000 | 4,101 |
| Average earning assets | $86,129,000 | 4,061 |
| Average equity | $8,108,500 | 4,258 |
| Average total loans | $44,009,500 | 4,078 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0475% | 3,787 |
| Cost of funding earning assets | 0.1124% | 4,290 |
| Net interest margin | 2.9351% | 3,359 |
| Noninterest income to average assets | 0.1820% | 4,243 |
| Noninterest expense to average assets | 2.2979% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5857% | 3,907 |
| Return on assets (ROA) | 0.6119% | 3,894 |
| Pretax return on assets | 0.6833% | 3,963 |
| Return on Equity (ROE) | 5.8996% | 3,798 |
| Retained earnings to average equity (ytd only) | -3.5204% | 4,673 |
| Net charge-offs to loans | -0.0135% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8366% | 962 |
| Assets per employee ($millions) | 7.6228% | 1,541 |
| Cash dividends to net income (ytd only)* | 159.6715% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 4,370 |
| Loan loss allowance to noncurrent loans | 330.6122% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 954 |
| Noncurrent loans to loans | 0.2226% | 2,849 |
| Net loans and leases to total assets | 47.7786% | 3,517 |
| Net loans and leases to deposits | 52.8470% | 3,677 |
| Net loans and leases to core deposits | 53.2313% | 3,816 |
| Total domestic deposits to total assets | 90.4093% | 762 |
| Equity capital to assets | 9.5317% | 3,116 |
| Core capital (leverage) ratio | 9.5315% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,560,400 | 4,102 |
| Average earning assets | $84,527,400 | 4,074 |
| Average equity | $9,288,800 | 4,213 |
| Average total loans | $44,505,800 | 4,098 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1940% | 3,616 |
| Cost of funding earning assets | 0.1272% | 4,286 |
| Net interest margin | 3.0668% | 3,135 |
| Noninterest income to average assets | 0.1826% | 4,283 |
| Noninterest expense to average assets | 2.2660% | 2,844 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8037% | 3,516 |
| Return on assets (ROA) | 0.8426% | 3,471 |
| Pretax return on assets | 0.8426% | 3,812 |
| Return on Equity (ROE) | 7.9592% | 3,412 |
| Retained earnings to average equity (ytd only) | 3.7180% | 3,672 |
| Net charge-offs to loans | -0.0090% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8176% | 1,228 |
| Assets per employee ($millions) | 6.9766% | 1,885 |
| Cash dividends to net income (ytd only)* | 53.2860% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7276% | 4,458 |
| Loan loss allowance to noncurrent loans | 317.8218% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.6836% | 1,097 |
| Noncurrent loans to loans | 0.2289% | 3,024 |
| Net loans and leases to total assets | 48.2877% | 3,605 |
| Net loans and leases to deposits | 53.9926% | 3,738 |
| Net loans and leases to core deposits | 54.3970% | 3,889 |
| Total domestic deposits to total assets | 89.4339% | 1,047 |
| Equity capital to assets | 10.5032% | 2,459 |
| Core capital (leverage) ratio | 10.3255% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,082,000 | 4,160 |
| Average earning assets | $83,864,750 | 4,136 |
| Average equity | $9,431,250 | 4,264 |
| Average total loans | $44,625,000 | 4,156 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4190% | 3,121 |
| Cost of funding earning assets | 0.1417% | 4,268 |
| Net interest margin | 3.2774% | 2,524 |
| Noninterest income to average assets | 0.1875% | 4,266 |
| Noninterest expense to average assets | 2.3649% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9058% | 3,202 |
| Return on assets (ROA) | 0.9668% | 3,093 |
| Pretax return on assets | 0.9668% | 3,506 |
| Return on Equity (ROE) | 9.1067% | 3,064 |
| Retained earnings to average equity (ytd only) | 2.7235% | 3,928 |
| Net charge-offs to loans | -0.0179% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3066% | 1,401 |
| Assets per employee ($millions) | 7.4334% | 1,517 |
| Cash dividends to net income (ytd only)* | 70.0935% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7274% | 4,487 |
| Loan loss allowance to noncurrent loans | 312.6214% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 1,179 |
| Noncurrent loans to loans | 0.2327% | 3,116 |
| Net loans and leases to total assets | 49.2651% | 3,629 |
| Net loans and leases to deposits | 55.1193% | 3,783 |
| Net loans and leases to core deposits | 55.5415% | 3,922 |
| Total domestic deposits to total assets | 89.3790% | 1,092 |
| Equity capital to assets | 10.5559% | 2,348 |
| Core capital (leverage) ratio | 10.3412% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,544,000 | 4,189 |
| Average earning assets | $83,298,000 | 4,166 |
| Average equity | $9,399,667 | 4,278 |
| Average total loans | $44,794,667 | 4,178 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8412% | 1,976 |
| Cost of funding earning assets | 0.1544% | 4,277 |
| Net interest margin | 3.6868% | 1,363 |
| Noninterest income to average assets | 0.1904% | 4,246 |
| Noninterest expense to average assets | 2.4395% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2152% | 2,090 |
| Return on assets (ROA) | 1.2152% | 2,176 |
| Pretax return on assets | 1.2152% | 2,805 |
| Return on Equity (ROE) | 11.4146% | 2,220 |
| Retained earnings to average equity (ytd only) | -1.3629% | 4,495 |
| Net charge-offs to loans | -0.0178% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7494% | 2,113 |
| Assets per employee ($millions) | 6.8202% | 1,919 |
| Cash dividends to net income (ytd only)* | 111.9403% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7197% | 4,542 |
| Loan loss allowance to noncurrent loans | 301.8868% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 1,327 |
| Noncurrent loans to loans | 0.2384% | 3,249 |
| Net loans and leases to total assets | 49.7913% | 3,646 |
| Net loans and leases to deposits | 55.6535% | 3,821 |
| Net loans and leases to core deposits | 56.0833% | 3,968 |
| Total domestic deposits to total assets | 89.4667% | 1,086 |
| Equity capital to assets | 10.4645% | 2,300 |
| Core capital (leverage) ratio | 10.3525% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,215,500 | 4,212 |
| Average earning assets | $82,890,500 | 4,181 |
| Average equity | $9,391,500 | 4,283 |
| Average total loans | $45,058,500 | 4,187 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 3,785 |
| Cost of funding earning assets | 0.3290% | 3,982 |
| Net interest margin | 3.2812% | 3,120 |
| Noninterest income to average assets | -0.4352% | 4,994 |
| Noninterest expense to average assets | 2.3947% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2272% | 4,539 |
| Return on assets (ROA) | 0.2537% | 4,561 |
| Pretax return on assets | 0.2537% | 4,600 |
| Return on Equity (ROE) | 2.2866% | 4,523 |
| Retained earnings to average equity (ytd only) | -3.4028% | 4,789 |
| Net charge-offs to loans | -0.0133% | 4,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3343% | 329 |
| Assets per employee ($millions) | 6.7515% | 1,740 |
| Cash dividends to net income (ytd only)* | 248.8152% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6966% | 4,592 |
| Loan loss allowance to noncurrent loans | 294.4444% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.7144% | 1,456 |
| Noncurrent loans to loans | 0.2366% | 3,351 |
| Net loans and leases to total assets | 51.6504% | 3,690 |
| Net loans and leases to deposits | 57.9787% | 3,890 |
| Net loans and leases to core deposits | 58.4361% | 4,027 |
| Total domestic deposits to total assets | 89.0850% | 949 |
| Equity capital to assets | 10.8296% | 2,403 |
| Core capital (leverage) ratio | 10.3073% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,183,000 | 4,207 |
| Average earning assets | $77,501,400 | 4,192 |
| Average equity | $9,227,800 | 4,282 |
| Average total loans | $44,945,800 | 4,205 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 3,399 |
| Cost of funding earning assets | 0.3710% | 3,954 |
| Net interest margin | 3.4840% | 2,642 |
| Noninterest income to average assets | -0.9443% | 5,028 |
| Noninterest expense to average assets | 2.4281% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.1219% | 4,821 |
| Return on assets (ROA) | -0.0861% | 4,820 |
| Pretax return on assets | -0.0861% | 4,809 |
| Return on Equity (ROE) | -0.7716% | 4,827 |
| Retained earnings to average equity (ytd only) | -7.3227% | 4,892 |
| Net charge-offs to loans | -0.0119% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2854% | 130 |
| Assets per employee ($millions) | 6.3726% | 1,933 |
| Cash dividends to net income (ytd only)* | -849.0566% | 5,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6519% | 4,664 |
| Loan loss allowance to noncurrent loans | 267.7966% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7140% | 1,634 |
| Noncurrent loans to loans | 0.2434% | 3,429 |
| Net loans and leases to total assets | 53.9774% | 3,806 |
| Net loans and leases to deposits | 60.7790% | 4,007 |
| Net loans and leases to core deposits | 61.4875% | 4,136 |
| Total domestic deposits to total assets | 88.8093% | 857 |
| Equity capital to assets | 10.4364% | 2,841 |
| Core capital (leverage) ratio | 10.1912% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,036,500 | 4,227 |
| Average earning assets | $76,538,250 | 4,215 |
| Average equity | $9,158,500 | 4,307 |
| Average total loans | $44,769,500 | 4,231 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2130% | 2,717 |
| Cost of funding earning assets | 0.4202% | 3,950 |
| Net interest margin | 3.7928% | 1,856 |
| Noninterest income to average assets | -1.5595% | 5,063 |
| Noninterest expense to average assets | 2.5891% | 2,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.6127% | 4,927 |
| Return on assets (ROA) | -0.5901% | 4,926 |
| Pretax return on assets | -0.5901% | 4,913 |
| Return on Equity (ROE) | -5.1605% | 4,926 |
| Retained earnings to average equity (ytd only) | -11.1994% | 4,936 |
| Net charge-offs to loans | -0.0138% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.0038% | 65 |
| Assets per employee ($millions) | 6.6070% | 1,701 |
| Cash dividends to net income (ytd only)* | -117.0213% | 5,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6563% | 4,655 |
| Loan loss allowance to noncurrent loans | 260.3306% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 1,660 |
| Noncurrent loans to loans | 0.2521% | 3,475 |
| Net loans and leases to total assets | 55.5157% | 3,728 |
| Net loans and leases to deposits | 62.8143% | 3,963 |
| Net loans and leases to core deposits | 63.7976% | 4,089 |
| Total domestic deposits to total assets | 88.3806% | 1,000 |
| Equity capital to assets | 10.8253% | 2,483 |
| Core capital (leverage) ratio | 10.7976% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,643,000 | 4,257 |
| Average earning assets | $74,246,667 | 4,245 |
| Average equity | $9,107,667 | 4,330 |
| Average total loans | $43,535,000 | 4,277 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7031% | 4,391 |
| Cost of funding earning assets | 0.4671% | 4,081 |
| Net interest margin | 3.2361% | 3,761 |
| Noninterest income to average assets | -3.4292% | 5,112 |
| Noninterest expense to average assets | 2.7915% | 2,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -3.1783% | 5,078 |
| Return on assets (ROA) | -3.1312% | 5,067 |
| Pretax return on assets | -3.1312% | 5,057 |
| Return on Equity (ROE) | -26.5853% | 5,076 |
| Retained earnings to average equity (ytd only) | -38.7906% | 5,067 |
| Net charge-offs to loans | -0.0097% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -721.6216% | 5,112 |
| Assets per employee ($millions) | 5.0645% | 2,578 |
| Cash dividends to net income (ytd only)* | -45.9098% | 5,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7483% | 4,525 |
| Loan loss allowance to noncurrent loans | 254.4715% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 1,586 |
| Noncurrent loans to loans | 0.2941% | 3,450 |
| Net loans and leases to total assets | 54.6487% | 3,936 |
| Net loans and leases to deposits | 61.7333% | 4,118 |
| Net loans and leases to core deposits | 62.5848% | 4,253 |
| Total domestic deposits to total assets | 88.5240% | 872 |
| Equity capital to assets | 11.3510% | 2,551 |
| Core capital (leverage) ratio | 11.2464% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,519,000 | 4,309 |
| Average earning assets | $71,939,500 | 4,284 |
| Average equity | $9,012,500 | 4,367 |
| Average total loans | $41,303,500 | 4,343 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 4,204 |
| Cost of funding earning assets | 0.4289% | 4,343 |
| Net interest margin | 3.5938% | 3,152 |
| Noninterest income to average assets | 0.2059% | 4,431 |
| Noninterest expense to average assets | 2.6851% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8196% | 3,490 |
| Return on assets (ROA) | 0.8196% | 3,582 |
| Pretax return on assets | 0.8196% | 3,932 |
| Return on Equity (ROE) | 7.0800% | 3,529 |
| Retained earnings to average equity (ytd only) | 7.0800% | 1,364 |
| Net charge-offs to loans | -0.0091% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6153% | 1,302 |
| Assets per employee ($millions) | 5.1381% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 4,407 |
| Loan loss allowance to noncurrent loans | 226.0870% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 1.7555% | 512 |
| Noncurrent loans to loans | 0.3384% | 3,232 |
| Net loans and leases to total assets | 52.5061% | 4,185 |
| Net loans and leases to deposits | 59.8961% | 4,294 |
| Net loans and leases to core deposits | 60.3940% | 4,423 |
| Total domestic deposits to total assets | 87.6620% | 1,293 |
| Equity capital to assets | 12.1991% | 2,014 |
| Core capital (leverage) ratio | 12.0060% | 1,774 |
| Tier 1 risk-based capital ratio | 21.4856% | 1,086 |
| Total risk-based capital ratio | 22.1976% | 1,149 |
| Memoranda: | ||
| Average total assets | $77,725,400 | 4,325 |
| Average earning assets | $71,345,600 | 4,326 |
| Average equity | $8,997,200 | 4,373 |
| Average total loans | $44,184,200 | 4,304 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 4,176 |
| Cost of funding earning assets | 0.4062% | 4,482 |
| Net interest margin | 3.6838% | 2,975 |
| Noninterest income to average assets | 0.2106% | 4,463 |
| Noninterest expense to average assets | 2.6670% | 2,957 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9124% | 3,304 |
| Return on assets (ROA) | 0.9124% | 3,382 |
| Pretax return on assets | 0.9124% | 3,835 |
| Return on Equity (ROE) | 7.9884% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.9884% | 1,397 |
| Net charge-offs to loans | -0.0089% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5098% | 1,492 |
| Assets per employee ($millions) | 5.2799% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7144% | 4,621 |
| Loan loss allowance to noncurrent loans | 222.1429% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 1.7109% | 594 |
| Noncurrent loans to loans | 0.3216% | 3,377 |
| Net loans and leases to total assets | 54.5759% | 4,125 |
| Net loans and leases to deposits | 61.9720% | 4,293 |
| Net loans and leases to core deposits | 62.2003% | 4,449 |
| Total domestic deposits to total assets | 88.0654% | 1,014 |
| Equity capital to assets | 11.7983% | 2,418 |
| Core capital (leverage) ratio | 12.0568% | 1,814 |
| Tier 1 risk-based capital ratio | 20.1860% | 1,337 |
| Total risk-based capital ratio | 20.8603% | 1,405 |
| Memoranda: | ||
| Average total assets | $77,889,000 | 4,376 |
| Average earning assets | $71,229,500 | 4,380 |
| Average equity | $8,896,000 | 4,435 |
| Average total loans | $45,035,500 | 4,337 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 4,250 |
| Cost of funding earning assets | 0.3694% | 4,621 |
| Net interest margin | 3.6943% | 2,946 |
| Noninterest income to average assets | 0.2143% | 4,458 |
| Noninterest expense to average assets | 2.8224% | 2,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8005% | 3,650 |
| Return on assets (ROA) | 0.8005% | 3,712 |
| Pretax return on assets | 0.8005% | 4,095 |
| Return on Equity (ROE) | 7.0884% | 3,643 |
| Retained earnings to average equity (ytd only) | 7.0884% | 1,766 |
| Net charge-offs to loans | -0.0044% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9045% | 1,163 |
| Assets per employee ($millions) | 5.4160% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 4,726 |
| Loan loss allowance to noncurrent loans | 253.2787% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 1.7633% | 582 |
| Noncurrent loans to loans | 0.2745% | 3,548 |
| Net loans and leases to total assets | 58.2072% | 3,895 |
| Net loans and leases to deposits | 66.2280% | 4,084 |
| Net loans and leases to core deposits | 66.4814% | 4,292 |
| Total domestic deposits to total assets | 87.8891% | 1,149 |
| Equity capital to assets | 11.9791% | 2,196 |
| Core capital (leverage) ratio | 11.9623% | 1,850 |
| Tier 1 risk-based capital ratio | 19.7501% | 1,396 |
| Total risk-based capital ratio | 20.4216% | 1,479 |
| Memoranda: | ||
| Average total assets | $77,452,670 | 4,417 |
| Average earning assets | $71,462,000 | 4,415 |
| Average equity | $8,746,670 | 4,477 |
| Average total loans | $45,536,000 | 4,356 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0436% | 4,276 |
| Cost of funding earning assets | 0.3374% | 4,714 |
| Net interest margin | 3.7062% | 2,872 |
| Noninterest income to average assets | 0.2198% | 4,437 |
| Noninterest expense to average assets | 2.8007% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8433% | 3,475 |
| Return on assets (ROA) | 0.8433% | 3,516 |
| Pretax return on assets | 0.8433% | 3,937 |
| Return on Equity (ROE) | 7.6937% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.6937% | 1,773 |
| Net charge-offs to loans | -0.0087% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8583% | 1,398 |
| Assets per employee ($millions) | 5.1437% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6785% | 4,810 |
| Loan loss allowance to noncurrent loans | 207.3826% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 1.7678% | 600 |
| Noncurrent loans to loans | 0.3272% | 3,395 |
| Net loans and leases to total assets | 58.6254% | 3,824 |
| Net loans and leases to deposits | 66.2425% | 4,037 |
| Net loans and leases to core deposits | 66.4888% | 4,259 |
| Total domestic deposits to total assets | 88.5012% | 1,090 |
| Equity capital to assets | 11.3731% | 2,507 |
| Core capital (leverage) ratio | 11.4529% | 2,166 |
| Tier 1 risk-based capital ratio | 18.8341% | 1,581 |
| Total risk-based capital ratio | 19.4849% | 1,683 |
| Memoranda: | ||
| Average total assets | $78,267,000 | 4,452 |
| Average earning assets | $72,312,000 | 4,447 |
| Average equity | $8,578,500 | 4,525 |
| Average total loans | $46,082,000 | 4,386 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 4,314 |
| Cost of funding earning assets | 0.2214% | 4,916 |
| Net interest margin | 3.6606% | 3,188 |
| Noninterest income to average assets | -0.2000% | 5,384 |
| Noninterest expense to average assets | 2.6817% | 3,091 |
| Loan and lease loss provision to assets | 0.4895% | 242 |
| Net operating income to assets | 0.0224% | 5,223 |
| Return on assets (ROA) | 0.0224% | 5,217 |
| Pretax return on assets | 0.0224% | 5,217 |
| Return on Equity (ROE) | 0.2029% | 5,216 |
| Retained earnings to average equity (ytd only) | -3.3782% | 5,194 |
| Net charge-offs to loans | 1.2075% | 101 |
| Credit loss provision to net charge-offs | 68.1319% | 3,017 |
| Earnings coverage of net charge-offs (x) | 0.7125% | 3,677 |
| Efficiency ratio | 83.9720% | 654 |
| Assets per employee ($millions) | 5.2919% | 2,155 |
| Cash dividends to net income (ytd only)* | 1,764.7059% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6606% | 4,883 |
| Loan loss allowance to noncurrent loans | 242.5197% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 1.6906% | 636 |
| Noncurrent loans to loans | 0.2724% | 3,601 |
| Net loans and leases to total assets | 58.3461% | 3,926 |
| Net loans and leases to deposits | 65.3294% | 4,168 |
| Net loans and leases to core deposits | 65.5625% | 4,383 |
| Total domestic deposits to total assets | 89.3106% | 729 |
| Equity capital to assets | 10.5596% | 3,117 |
| Core capital (leverage) ratio | 11.2812% | 2,278 |
| Tier 1 risk-based capital ratio | 18.7348% | 1,563 |
| Total risk-based capital ratio | 19.3922% | 1,670 |
| Memoranda: | ||
| Average total assets | $75,997,200 | 4,500 |
| Average earning assets | $70,452,800 | 4,489 |
| Average equity | $8,377,200 | 4,547 |
| Average total loans | $45,217,800 | 4,431 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8453% | 4,331 |
| Cost of funding earning assets | 0.2053% | 5,004 |
| Net interest margin | 3.6400% | 3,223 |
| Noninterest income to average assets | -0.3335% | 5,462 |
| Noninterest expense to average assets | 2.7091% | 2,949 |
| Loan and lease loss provision to assets | 0.6600% | 153 |
| Net operating income to assets | -0.3371% | 5,374 |
| Return on assets (ROA) | -0.3371% | 5,371 |
| Pretax return on assets | -0.3371% | 5,365 |
| Return on Equity (ROE) | -3.0245% | 5,369 |
| Retained earnings to average equity (ytd only) | -7.7999% | 5,362 |
| Net charge-offs to loans | 1.6225% | 72 |
| Credit loss provision to net charge-offs | 68.1319% | 2,650 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 3,406 |
| Efficiency ratio | 89.3505% | 350 |
| Assets per employee ($millions) | 5.6006% | 1,828 |
| Cash dividends to net income (ytd only)* | -157.8929% | 5,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6949% | 4,885 |
| Loan loss allowance to noncurrent loans | 236.9231% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.7154% | 706 |
| Noncurrent loans to loans | 0.2933% | 3,629 |
| Net loans and leases to total assets | 56.1397% | 4,208 |
| Net loans and leases to deposits | 62.6056% | 4,419 |
| Net loans and leases to core deposits | 62.6056% | 4,589 |
| Total domestic deposits to total assets | 89.6720% | 609 |
| Equity capital to assets | 10.2056% | 3,446 |
| Core capital (leverage) ratio | 10.9233% | 2,656 |
| Tier 1 risk-based capital ratio | 18.9477% | 1,549 |
| Total risk-based capital ratio | 19.6286% | 1,652 |
| Memoranda: | ||
| Average total assets | $75,152,000 | 4,556 |
| Average earning assets | $69,486,250 | 4,547 |
| Average equity | $8,376,000 | 4,595 |
| Average total loans | $44,866,750 | 4,487 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 4,357 |
| Cost of funding earning assets | 0.2015% | 5,021 |
| Net interest margin | 3.5928% | 3,348 |
| Noninterest income to average assets | -0.5185% | 5,530 |
| Noninterest expense to average assets | 2.7948% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0081% | 5,339 |
| Return on assets (ROA) | 0.0081% | 5,333 |
| Pretax return on assets | 0.0081% | 5,333 |
| Return on Equity (ROE) | 0.0706% | 5,332 |
| Retained earnings to average equity (ytd only) | -6.9877% | 5,359 |
| Net charge-offs to loans | -0.0044% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7110% | 177 |
| Assets per employee ($millions) | 5.1454% | 2,243 |
| Cash dividends to net income (ytd only)* | 10,000.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,398 |
| Loan loss allowance to noncurrent loans | 66.3462% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 2.5965% | 325 |
| Noncurrent loans to loans | 1.6241% | 996 |
| Net loans and leases to total assets | 57.4533% | 4,042 |
| Net loans and leases to deposits | 64.4165% | 4,258 |
| Net loans and leases to core deposits | 64.4165% | 4,466 |
| Total domestic deposits to total assets | 89.1903% | 855 |
| Equity capital to assets | 10.6892% | 2,942 |
| Core capital (leverage) ratio | 12.0823% | 1,661 |
| Tier 1 risk-based capital ratio | 18.6647% | 1,634 |
| Total risk-based capital ratio | 19.6933% | 1,652 |
| Memoranda: | ||
| Average total assets | $74,066,670 | 4,623 |
| Average earning assets | $68,470,670 | 4,613 |
| Average equity | $8,500,670 | 4,610 |
| Average total loans | $45,047,000 | 4,522 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8414% | 4,105 |
| Cost of funding earning assets | 0.2044% | 4,992 |
| Net interest margin | 3.6370% | 3,041 |
| Noninterest income to average assets | 0.2151% | 4,724 |
| Noninterest expense to average assets | 2.8465% | 2,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7061% | 4,076 |
| Return on assets (ROA) | 0.7061% | 4,085 |
| Pretax return on assets | 0.7061% | 4,426 |
| Return on Equity (ROE) | 5.9355% | 4,181 |
| Retained earnings to average equity (ytd only) | -7.9759% | 5,306 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1242% | 1,123 |
| Assets per employee ($millions) | 5.1156% | 2,346 |
| Cash dividends to net income (ytd only)* | 234.3750% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,635 |
| Loan loss allowance to noncurrent loans | 59.5062% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 4.5588% | 116 |
| Noncurrent loans to loans | 1.7717% | 961 |
| Net loans and leases to total assets | 63.1648% | 3,414 |
| Net loans and leases to deposits | 71.6891% | 3,644 |
| Net loans and leases to core deposits | 71.6891% | 3,989 |
| Total domestic deposits to total assets | 88.1093% | 1,554 |
| Equity capital to assets | 11.7608% | 1,938 |
| Core capital (leverage) ratio | 12.1616% | 1,554 |
| Tier 1 risk-based capital ratio | 18.2425% | 1,763 |
| Total risk-based capital ratio | 19.2316% | 1,790 |
| Memoranda: | ||
| Average total assets | $72,509,500 | 4,698 |
| Average earning assets | $66,537,500 | 4,707 |
| Average equity | $8,626,000 | 4,637 |
| Average total loans | $45,157,500 | 4,559 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 3,640 |
| Cost of funding earning assets | 0.2041% | 4,914 |
| Net interest margin | 3.7221% | 2,711 |
| Noninterest income to average assets | 0.2985% | 4,313 |
| Noninterest expense to average assets | 2.9243% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7378% | 3,439 |
| Return on assets (ROA) | 0.7392% | 3,474 |
| Pretax return on assets | 0.7392% | 4,414 |
| Return on Equity (ROE) | 5.9941% | 3,768 |
| Retained earnings to average equity (ytd only) | -0.8563% | 5,169 |
| Net charge-offs to loans | 0.0281% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 43.6667% | 1,194 |
| Efficiency ratio | 79.8539% | 1,119 |
| Assets per employee ($millions) | 4.8933% | 2,610 |
| Cash dividends to net income (ytd only)* | 114.2857% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 3,443 |
| Loan loss allowance to noncurrent loans | 59.2866% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 4.4523% | 121 |
| Noncurrent loans to loans | 1.8231% | 879 |
| Net loans and leases to total assets | 60.0995% | 3,817 |
| Net loans and leases to deposits | 68.4294% | 3,994 |
| Net loans and leases to core deposits | 68.4294% | 4,266 |
| Total domestic deposits to total assets | 87.8270% | 1,595 |
| Equity capital to assets | 12.0286% | 1,813 |
| Core capital (leverage) ratio | 12.4941% | 1,361 |
| Tier 1 risk-based capital ratio | 19.1528% | 1,478 |
| Total risk-based capital ratio | 20.1716% | 1,485 |
| Memoranda: | ||
| Average total assets | $71,026,600 | 4,763 |
| Average earning assets | $64,184,800 | 4,782 |
| Average equity | $8,758,600 | 4,656 |
| Average total loans | $42,759,200 | 4,653 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9482% | 3,525 |
| Cost of funding earning assets | 0.2014% | 4,965 |
| Net interest margin | 3.7468% | 2,586 |
| Noninterest income to average assets | 0.3332% | 4,155 |
| Noninterest expense to average assets | 2.8584% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8556% | 3,256 |
| Return on assets (ROA) | 0.8556% | 3,300 |
| Pretax return on assets | 0.8556% | 4,196 |
| Return on Equity (ROE) | 6.8945% | 3,724 |
| Retained earnings to average equity (ytd only) | -2.2575% | 5,443 |
| Net charge-offs to loans | 0.0410% | 2,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 34.7750% | 1,429 |
| Efficiency ratio | 76.9623% | 1,464 |
| Assets per employee ($millions) | 5.0964% | 2,338 |
| Cash dividends to net income (ytd only)* | 132.7437% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,362 |
| Loan loss allowance to noncurrent loans | 47.5767% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 4.8662% | 109 |
| Noncurrent loans to loans | 2.3600% | 666 |
| Net loans and leases to total assets | 59.3665% | 3,937 |
| Net loans and leases to deposits | 67.9348% | 4,118 |
| Net loans and leases to core deposits | 67.9348% | 4,364 |
| Total domestic deposits to total assets | 87.3875% | 1,678 |
| Equity capital to assets | 12.4653% | 1,675 |
| Core capital (leverage) ratio | 12.6280% | 1,369 |
| Tier 1 risk-based capital ratio | 19.8573% | 1,390 |
| Total risk-based capital ratio | 20.9200% | 1,408 |
| Memoranda: | ||
| Average total assets | $70,433,250 | 4,819 |
| Average earning assets | $63,555,000 | 4,845 |
| Average equity | $8,741,000 | 4,704 |
| Average total loans | $42,300,250 | 4,706 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 3,550 |
| Cost of funding earning assets | 0.2021% | 4,959 |
| Net interest margin | 3.6973% | 2,670 |
| Noninterest income to average assets | 0.1939% | 5,078 |
| Noninterest expense to average assets | 2.9974% | 2,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5362% | 4,587 |
| Return on assets (ROA) | 0.5362% | 4,623 |
| Pretax return on assets | 0.5362% | 4,942 |
| Return on Equity (ROE) | 4.3268% | 4,719 |
| Retained earnings to average equity (ytd only) | -9.4822% | 5,645 |
| Net charge-offs to loans | 0.0665% | 1,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 13.4286% | 2,134 |
| Efficiency ratio | 84.8265% | 780 |
| Assets per employee ($millions) | 5.0315% | 2,353 |
| Cash dividends to net income (ytd only)* | 319.1489% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 3,330 |
| Loan loss allowance to noncurrent loans | 47.3840% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 4.9389% | 109 |
| Noncurrent loans to loans | 2.4215% | 636 |
| Net loans and leases to total assets | 58.7073% | 3,953 |
| Net loans and leases to deposits | 67.0830% | 4,135 |
| Net loans and leases to core deposits | 67.0830% | 4,413 |
| Total domestic deposits to total assets | 87.5144% | 1,710 |
| Equity capital to assets | 12.3380% | 1,706 |
| Core capital (leverage) ratio | 12.3838% | 1,426 |
| Tier 1 risk-based capital ratio | 19.1715% | 1,556 |
| Total risk-based capital ratio | 20.2263% | 1,543 |
| Memoranda: | ||
| Average total assets | $70,127,670 | 4,863 |
| Average earning assets | $63,343,000 | 4,881 |
| Average equity | $8,690,000 | 4,740 |
| Average total loans | $42,120,670 | 4,739 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 3,461 |
| Cost of funding earning assets | 0.2019% | 4,964 |
| Net interest margin | 3.6784% | 2,569 |
| Noninterest income to average assets | 0.1944% | 5,104 |
| Noninterest expense to average assets | 2.9727% | 2,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5545% | 4,357 |
| Return on assets (ROA) | 0.5545% | 4,405 |
| Pretax return on assets | 0.5545% | 4,831 |
| Return on Equity (ROE) | 4.4652% | 4,612 |
| Retained earnings to average equity (ytd only) | -23.1544% | 5,760 |
| Net charge-offs to loans | -0.0095% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2788% | 945 |
| Assets per employee ($millions) | 4.9583% | 2,495 |
| Cash dividends to net income (ytd only)* | 618.5567% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 3,334 |
| Loan loss allowance to noncurrent loans | 48.5770% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 5.2654% | 103 |
| Noncurrent loans to loans | 2.3993% | 677 |
| Net loans and leases to total assets | 60.4702% | 3,733 |
| Net loans and leases to deposits | 69.0077% | 3,895 |
| Net loans and leases to core deposits | 69.0077% | 4,220 |
| Total domestic deposits to total assets | 87.6282% | 1,925 |
| Equity capital to assets | 12.2205% | 1,699 |
| Core capital (leverage) ratio | 12.2659% | 1,461 |
| Tier 1 risk-based capital ratio | 18.9138% | 1,634 |
| Total risk-based capital ratio | 19.9982% | 1,634 |
| Memoranda: | ||
| Average total assets | $69,971,000 | 4,918 |
| Average earning assets | $63,397,000 | 4,931 |
| Average equity | $8,689,500 | 4,774 |
| Average total loans | $42,264,000 | 4,779 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 3,173 |
| Cost of funding earning assets | 0.2121% | 4,909 |
| Net interest margin | 3.7949% | 2,336 |
| Noninterest income to average assets | 0.6603% | 2,369 |
| Noninterest expense to average assets | 3.1131% | 1,997 |
| Loan and lease loss provision to assets | 0.1451% | 1,721 |
| Net operating income to assets | 0.8302% | 3,155 |
| Return on assets (ROA) | 0.8331% | 3,253 |
| Pretax return on assets | 0.8331% | 4,079 |
| Return on Equity (ROE) | 6.3142% | 3,832 |
| Retained earnings to average equity (ytd only) | 2.1561% | 4,304 |
| Net charge-offs to loans | -0.0247% | 5,182 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1448% | 1,962 |
| Assets per employee ($millions) | 5.0376% | 2,349 |
| Cash dividends to net income (ytd only)* | 65.8537% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 3,278 |
| Loan loss allowance to noncurrent loans | 48.3366% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 5.1867% | 115 |
| Noncurrent loans to loans | 2.4300% | 655 |
| Net loans and leases to total assets | 58.9329% | 3,970 |
| Net loans and leases to deposits | 67.5678% | 4,120 |
| Net loans and leases to core deposits | 67.5678% | 4,426 |
| Total domestic deposits to total assets | 87.2203% | 2,014 |
| Equity capital to assets | 12.6138% | 1,454 |
| Core capital (leverage) ratio | 12.9559% | 1,148 |
| Tier 1 risk-based capital ratio | 20.3797% | 1,309 |
| Total risk-based capital ratio | 21.4816% | 1,311 |
| Memoranda: | ||
| Average total assets | $68,903,000 | 4,958 |
| Average earning assets | $62,240,800 | 4,975 |
| Average equity | $9,090,600 | 4,739 |
| Average total loans | $40,455,600 | 4,861 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 3,252 |
| Cost of funding earning assets | 0.2137% | 4,940 |
| Net interest margin | 3.7789% | 2,414 |
| Noninterest income to average assets | 0.7650% | 1,915 |
| Noninterest expense to average assets | 3.1047% | 2,014 |
| Loan and lease loss provision to assets | 0.1947% | 1,106 |
| Net operating income to assets | 0.8740% | 3,037 |
| Return on assets (ROA) | 0.8779% | 3,147 |
| Pretax return on assets | 0.8779% | 4,056 |
| Return on Equity (ROE) | 6.5795% | 3,782 |
| Retained earnings to average equity (ytd only) | 1.0650% | 5,068 |
| Net charge-offs to loans | -0.0333% | 5,204 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3937% | 2,204 |
| Assets per employee ($millions) | 4.7349% | 2,690 |
| Cash dividends to net income (ytd only)* | 83.8139% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 3,155 |
| Loan loss allowance to noncurrent loans | 48.1481% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 5.1575% | 136 |
| Noncurrent loans to loans | 2.5195% | 696 |
| Net loans and leases to total assets | 56.6422% | 4,235 |
| Net loans and leases to deposits | 65.2052% | 4,406 |
| Net loans and leases to core deposits | 65.2052% | 4,656 |
| Total domestic deposits to total assets | 86.8676% | 1,954 |
| Equity capital to assets | 12.9690% | 1,498 |
| Core capital (leverage) ratio | 12.8506% | 1,245 |
| Tier 1 risk-based capital ratio | 20.2126% | 1,404 |
| Total risk-based capital ratio | 21.3204% | 1,398 |
| Memoranda: | ||
| Average total assets | $68,497,250 | 5,007 |
| Average earning assets | $61,779,750 | 5,025 |
| Average equity | $9,139,250 | 4,780 |
| Average total loans | $40,055,250 | 4,921 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 3,183 |
| Cost of funding earning assets | 0.2124% | 5,012 |
| Net interest margin | 3.8044% | 2,305 |
| Noninterest income to average assets | 1.0553% | 1,005 |
| Noninterest expense to average assets | 3.1542% | 1,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3421% | 1,184 |
| Return on assets (ROA) | 1.3480% | 1,241 |
| Pretax return on assets | 1.3480% | 2,214 |
| Return on Equity (ROE) | 10.0051% | 2,048 |
| Retained earnings to average equity (ytd only) | 1.7114% | 4,704 |
| Net charge-offs to loans | -0.0151% | 4,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1512% | 2,955 |
| Assets per employee ($millions) | 4.5630% | 2,919 |
| Cash dividends to net income (ytd only)* | 82.8947% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 4,744 |
| Loan loss allowance to noncurrent loans | 37.3192% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 5.1735% | 142 |
| Noncurrent loans to loans | 2.5548% | 671 |
| Net loans and leases to total assets | 58.7391% | 4,047 |
| Net loans and leases to deposits | 67.9891% | 4,183 |
| Net loans and leases to core deposits | 67.9891% | 4,474 |
| Total domestic deposits to total assets | 86.3949% | 2,219 |
| Equity capital to assets | 13.4356% | 1,266 |
| Core capital (leverage) ratio | 13.3152% | 1,052 |
| Tier 1 risk-based capital ratio | 20.4792% | 1,352 |
| Total risk-based capital ratio | 21.3580% | 1,406 |
| Memoranda: | ||
| Average total assets | $67,655,330 | 5,075 |
| Average earning assets | $61,191,670 | 5,084 |
| Average equity | $9,115,330 | 4,820 |
| Average total loans | $39,832,670 | 4,976 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 2,904 |
| Cost of funding earning assets | 0.2091% | 5,115 |
| Net interest margin | 3.8758% | 2,007 |
| Noninterest income to average assets | 1.7068% | 422 |
| Noninterest expense to average assets | 3.1222% | 2,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1112% | 273 |
| Return on assets (ROA) | 2.1112% | 283 |
| Pretax return on assets | 2.1112% | 451 |
| Return on Equity (ROE) | 15.6474% | 577 |
| Retained earnings to average equity (ytd only) | 6.9201% | 1,922 |
| Net charge-offs to loans | -0.0101% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6591% | 4,794 |
| Assets per employee ($millions) | 4.4739% | 3,117 |
| Cash dividends to net income (ytd only)* | 55.7746% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 4,720 |
| Loan loss allowance to noncurrent loans | 69.2446% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 4.5598% | 195 |
| Noncurrent loans to loans | 1.4125% | 1,695 |
| Net loans and leases to total assets | 58.0825% | 4,035 |
| Net loans and leases to deposits | 67.4605% | 4,108 |
| Net loans and leases to core deposits | 67.4605% | 4,440 |
| Total domestic deposits to total assets | 86.0985% | 2,634 |
| Equity capital to assets | 13.7271% | 1,078 |
| Core capital (leverage) ratio | 13.5788% | 954 |
| Tier 1 risk-based capital ratio | 21.4249% | 1,243 |
| Total risk-based capital ratio | 22.3316% | 1,277 |
| Memoranda: | ||
| Average total assets | $67,260,500 | 5,126 |
| Average earning assets | $61,201,000 | 5,127 |
| Average equity | $9,075,000 | 4,849 |
| Average total loans | $39,453,500 | 5,026 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 2,810 |
| Cost of funding earning assets | 0.2209% | 5,087 |
| Net interest margin | 3.9090% | 1,996 |
| Noninterest income to average assets | 0.4903% | 3,390 |
| Noninterest expense to average assets | 3.2902% | 1,741 |
| Loan and lease loss provision to assets | -0.1961% | 5,981 |
| Net operating income to assets | 0.8931% | 2,910 |
| Return on assets (ROA) | 0.8946% | 2,983 |
| Pretax return on assets | 0.8946% | 3,856 |
| Return on Equity (ROE) | 6.7651% | 3,643 |
| Retained earnings to average equity (ytd only) | 5.3391% | 2,180 |
| Net charge-offs to loans | -0.0253% | 5,344 |
| Credit loss provision to net charge-offs | 1,300.0000% | 261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5199% | 1,339 |
| Assets per employee ($millions) | 4.4942% | 3,052 |
| Cash dividends to net income (ytd only)* | 21.0793% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 4,761 |
| Loan loss allowance to noncurrent loans | 68.2060% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 5.1518% | 165 |
| Noncurrent loans to loans | 1.4237% | 1,633 |
| Net loans and leases to total assets | 58.0897% | 4,077 |
| Net loans and leases to deposits | 67.1169% | 4,210 |
| Net loans and leases to core deposits | 67.1169% | 4,500 |
| Total domestic deposits to total assets | 86.5501% | 2,352 |
| Equity capital to assets | 13.2586% | 1,230 |
| Core capital (leverage) ratio | 13.2842% | 1,048 |
| Tier 1 risk-based capital ratio | 21.1593% | 1,269 |
| Total risk-based capital ratio | 22.0681% | 1,305 |
| Memoranda: | ||
| Average total assets | $66,288,600 | 5,174 |
| Average earning assets | $59,298,600 | 5,204 |
| Average equity | $8,765,600 | 4,901 |
| Average total loans | $39,556,000 | 5,032 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 2,601 |
| Cost of funding earning assets | 0.2199% | 5,187 |
| Net interest margin | 3.9722% | 1,794 |
| Noninterest income to average assets | 0.5514% | 3,044 |
| Noninterest expense to average assets | 3.2864% | 1,721 |
| Loan and lease loss provision to assets | -0.2020% | 6,099 |
| Net operating income to assets | 1.0059% | 2,440 |
| Return on assets (ROA) | 1.0079% | 2,524 |
| Pretax return on assets | 1.0079% | 3,580 |
| Return on Equity (ROE) | 7.6276% | 3,269 |
| Retained earnings to average equity (ytd only) | 5.7168% | 2,428 |
| Net charge-offs to loans | -0.0303% | 5,361 |
| Credit loss provision to net charge-offs | 1,111.1111% | 339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3457% | 1,611 |
| Assets per employee ($millions) | 4.4267% | 3,132 |
| Cash dividends to net income (ytd only)* | 25.0496% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 4,503 |
| Loan loss allowance to noncurrent loans | 93.6508% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 5.3569% | 172 |
| Noncurrent loans to loans | 1.1146% | 2,271 |
| Net loans and leases to total assets | 58.9623% | 4,018 |
| Net loans and leases to deposits | 68.3705% | 4,153 |
| Net loans and leases to core deposits | 68.3705% | 4,513 |
| Total domestic deposits to total assets | 86.2395% | 2,420 |
| Equity capital to assets | 13.5136% | 1,222 |
| Core capital (leverage) ratio | 13.4593% | 1,032 |
| Tier 1 risk-based capital ratio | 21.2022% | 1,310 |
| Total risk-based capital ratio | 22.1921% | 1,328 |
| Memoranda: | ||
| Average total assets | $66,007,500 | 5,242 |
| Average earning assets | $58,807,250 | 5,280 |
| Average equity | $8,722,500 | 4,972 |
| Average total loans | $39,559,000 | 5,085 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 2,714 |
| Cost of funding earning assets | 0.2240% | 5,205 |
| Net interest margin | 3.9276% | 1,889 |
| Noninterest income to average assets | 0.3066% | 4,760 |
| Noninterest expense to average assets | 3.3244% | 1,637 |
| Loan and lease loss provision to assets | -0.3036% | 6,229 |
| Net operating income to assets | 0.7985% | 3,398 |
| Return on assets (ROA) | 0.7985% | 3,485 |
| Pretax return on assets | 0.7985% | 4,315 |
| Return on Equity (ROE) | 6.0887% | 4,085 |
| Retained earnings to average equity (ytd only) | 3.1948% | 4,011 |
| Net charge-offs to loans | -0.0303% | 5,336 |
| Credit loss provision to net charge-offs | 1,666.6667% | 220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0429% | 973 |
| Assets per employee ($millions) | 4.3881% | 3,157 |
| Cash dividends to net income (ytd only)* | 47.5285% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 4,690 |
| Loan loss allowance to noncurrent loans | 92.1348% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 5.4375% | 184 |
| Noncurrent loans to loans | 1.1222% | 2,406 |
| Net loans and leases to total assets | 59.6238% | 3,888 |
| Net loans and leases to deposits | 68.8267% | 4,051 |
| Net loans and leases to core deposits | 68.8267% | 4,425 |
| Total domestic deposits to total assets | 86.6289% | 2,357 |
| Equity capital to assets | 13.1204% | 1,338 |
| Core capital (leverage) ratio | 12.9639% | 1,184 |
| Tier 1 risk-based capital ratio | 20.2951% | 1,484 |
| Total risk-based capital ratio | 21.2616% | 1,515 |
| Memoranda: | ||
| Average total assets | $65,876,670 | 5,309 |
| Average earning assets | $58,916,000 | 5,332 |
| Average equity | $8,639,000 | 5,028 |
| Average total loans | $39,557,330 | 5,129 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 2,775 |
| Cost of funding earning assets | 0.2305% | 5,210 |
| Net interest margin | 3.8841% | 1,950 |
| Noninterest income to average assets | 0.5584% | 2,902 |
| Noninterest expense to average assets | 3.5385% | 1,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4977% | 4,693 |
| Return on assets (ROA) | 0.4977% | 4,813 |
| Pretax return on assets | 0.4977% | 5,184 |
| Return on Equity (ROE) | 3.7961% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.7961% | 3,730 |
| Net charge-offs to loans | -0.0304% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6692% | 1,042 |
| Assets per employee ($millions) | 4.3012% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 3,500 |
| Loan loss allowance to noncurrent loans | 101.8072% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 6.0541% | 168 |
| Noncurrent loans to loans | 1.2600% | 2,269 |
| Net loans and leases to total assets | 60.4730% | 3,584 |
| Net loans and leases to deposits | 70.1689% | 3,733 |
| Net loans and leases to core deposits | 70.1689% | 4,134 |
| Total domestic deposits to total assets | 86.1822% | 2,840 |
| Equity capital to assets | 13.5451% | 1,154 |
| Core capital (leverage) ratio | 13.0587% | 1,137 |
| Tier 1 risk-based capital ratio | 23.4890% | 1,049 |
| Total risk-based capital ratio | 24.8812% | 1,021 |
| Memoranda: | ||
| Average total assets | $65,904,500 | 5,355 |
| Average earning assets | $59,009,500 | 5,387 |
| Average equity | $8,640,500 | 5,070 |
| Average total loans | $39,508,500 | 5,155 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 3,266 |
| Cost of funding earning assets | 0.2633% | 5,185 |
| Net interest margin | 3.8524% | 2,420 |
| Noninterest income to average assets | -0.0361% | 6,426 |
| Noninterest expense to average assets | 3.3348% | 1,836 |
| Loan and lease loss provision to assets | -0.3235% | 6,382 |
| Net operating income to assets | 0.3657% | 5,336 |
| Return on assets (ROA) | 0.4861% | 4,954 |
| Pretax return on assets | 0.4861% | 5,284 |
| Return on Equity (ROE) | 3.8884% | 5,163 |
| Retained earnings to average equity (ytd only) | 3.8884% | 3,451 |
| Net charge-offs to loans | -0.0177% | 5,680 |
| Credit loss provision to net charge-offs | 3,071.4286% | 99 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7522% | 396 |
| Assets per employee ($millions) | 3.9583% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 3,563 |
| Loan loss allowance to noncurrent loans | 110.5263% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 4.8833% | 289 |
| Noncurrent loans to loans | 1.1546% | 2,529 |
| Net loans and leases to total assets | 57.9424% | 4,051 |
| Net loans and leases to deposits | 69.1557% | 4,014 |
| Net loans and leases to core deposits | 69.1557% | 4,394 |
| Total domestic deposits to total assets | 83.7854% | 3,810 |
| Equity capital to assets | 12.6941% | 1,544 |
| Core capital (leverage) ratio | 12.6881% | 1,258 |
| Tier 1 risk-based capital ratio | 20.2307% | 1,551 |
| Total risk-based capital ratio | 21.4342% | 1,534 |
| Memoranda: | ||
| Average total assets | $66,451,400 | 5,381 |
| Average earning assets | $58,871,800 | 5,433 |
| Average equity | $8,306,800 | 5,127 |
| Average total loans | $39,453,200 | 5,205 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 3,312 |
| Cost of funding earning assets | 0.2687% | 5,221 |
| Net interest margin | 3.8480% | 2,439 |
| Noninterest income to average assets | 0.3764% | 4,423 |
| Noninterest expense to average assets | 3.4137% | 1,627 |
| Loan and lease loss provision to assets | -0.1006% | 6,275 |
| Net operating income to assets | 0.4650% | 5,016 |
| Return on assets (ROA) | 0.6260% | 4,425 |
| Pretax return on assets | 0.6260% | 4,945 |
| Return on Equity (ROE) | 5.0274% | 4,702 |
| Retained earnings to average equity (ytd only) | 5.0274% | 3,058 |
| Net charge-offs to loans | 0.4530% | 866 |
| Credit loss provision to net charge-offs | -37.3134% | 5,317 |
| Earnings coverage of net charge-offs (x) | 1.3508% | 4,177 |
| Efficiency ratio | 90.3570% | 824 |
| Assets per employee ($millions) | 4.1351% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 3,267 |
| Loan loss allowance to noncurrent loans | 152.1614% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 4.9909% | 346 |
| Noncurrent loans to loans | 0.9070% | 3,290 |
| Net loans and leases to total assets | 57.0276% | 4,198 |
| Net loans and leases to deposits | 68.1958% | 4,105 |
| Net loans and leases to core deposits | 68.1958% | 4,491 |
| Total domestic deposits to total assets | 83.6233% | 3,909 |
| Equity capital to assets | 12.7961% | 1,526 |
| Core capital (leverage) ratio | 12.8511% | 1,251 |
| Tier 1 risk-based capital ratio | 20.4526% | 1,565 |
| Total risk-based capital ratio | 21.7024% | 1,528 |
| Memoranda: | ||
| Average total assets | $66,241,500 | 5,447 |
| Average earning assets | $58,557,500 | 5,498 |
| Average equity | $8,248,000 | 5,180 |
| Average total loans | $39,443,000 | 5,263 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 3,251 |
| Cost of funding earning assets | 0.2739% | 5,247 |
| Net interest margin | 3.8484% | 2,378 |
| Noninterest income to average assets | 0.4316% | 4,013 |
| Noninterest expense to average assets | 3.5311% | 1,420 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2927% | 5,588 |
| Return on assets (ROA) | 0.3380% | 5,511 |
| Pretax return on assets | 0.3380% | 5,706 |
| Return on Equity (ROE) | 2.7400% | 5,611 |
| Retained earnings to average equity (ytd only) | 2.7400% | 4,458 |
| Net charge-offs to loans | 0.8735% | 420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.5575% | 4,017 |
| Efficiency ratio | 92.3441% | 743 |
| Assets per employee ($millions) | 4.0570% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 3,420 |
| Loan loss allowance to noncurrent loans | 117.4672% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 5.4027% | 315 |
| Noncurrent loans to loans | 1.1806% | 2,871 |
| Net loans and leases to total assets | 58.9336% | 3,873 |
| Net loans and leases to deposits | 70.5903% | 3,741 |
| Net loans and leases to core deposits | 70.5903% | 4,203 |
| Total domestic deposits to total assets | 83.4869% | 4,116 |
| Equity capital to assets | 12.9175% | 1,417 |
| Core capital (leverage) ratio | 12.6439% | 1,315 |
| Tier 1 risk-based capital ratio | 19.7438% | 1,747 |
| Total risk-based capital ratio | 20.9962% | 1,711 |
| Memoranda: | ||
| Average total assets | $66,268,330 | 5,497 |
| Average earning assets | $58,413,330 | 5,548 |
| Average equity | $8,175,330 | 5,220 |
| Average total loans | $39,838,000 | 5,283 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 2,831 |
| Cost of funding earning assets | 0.2794% | 5,289 |
| Net interest margin | 3.9325% | 1,974 |
| Noninterest income to average assets | 0.0597% | 6,459 |
| Noninterest expense to average assets | 3.6567% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1494% | 6,321 |
| Return on assets (ROA) | -0.0597% | 6,263 |
| Pretax return on assets | -0.0597% | 6,254 |
| Return on Equity (ROE) | -0.4956% | 6,257 |
| Retained earnings to average equity (ytd only) | -0.4956% | 5,642 |
| Net charge-offs to loans | 0.9514% | 362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.2604% | 3,454 |
| Efficiency ratio | 104.2589% | 365 |
| Assets per employee ($millions) | 3.8253% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 2,944 |
| Loan loss allowance to noncurrent loans | 63.7022% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 5.7389% | 312 |
| Noncurrent loans to loans | 2.4279% | 1,443 |
| Net loans and leases to total assets | 60.2999% | 3,508 |
| Net loans and leases to deposits | 71.8806% | 3,353 |
| Net loans and leases to core deposits | 71.8806% | 3,883 |
| Total domestic deposits to total assets | 83.8890% | 4,310 |
| Equity capital to assets | 12.4389% | 1,613 |
| Core capital (leverage) ratio | 12.1597% | 1,569 |
| Tier 1 risk-based capital ratio | 19.2470% | 1,896 |
| Total risk-based capital ratio | 20.5004% | 1,862 |
| Memoranda: | ||
| Average total assets | $66,946,500 | 5,534 |
| Average earning assets | $58,690,500 | 5,598 |
| Average equity | $8,070,500 | 5,272 |
| Average total loans | $40,360,500 | 5,307 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 3,057 |
| Cost of funding earning assets | 0.3226% | 5,397 |
| Net interest margin | 3.9499% | 2,105 |
| Noninterest income to average assets | 0.1080% | 6,362 |
| Noninterest expense to average assets | 3.5691% | 1,506 |
| Loan and lease loss provision to assets | -0.0792% | 6,448 |
| Net operating income to assets | 0.1080% | 6,028 |
| Return on assets (ROA) | 0.1109% | 6,078 |
| Pretax return on assets | 0.1109% | 6,076 |
| Return on Equity (ROE) | 0.9217% | 6,096 |
| Retained earnings to average equity (ytd only) | -5.0632% | 6,375 |
| Net charge-offs to loans | -0.0592% | 6,367 |
| Credit loss provision to net charge-offs | 211.5385% | 1,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1997% | 503 |
| Assets per employee ($millions) | 4.0508% | 3,761 |
| Cash dividends to net income (ytd only)* | 649.3506% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 2,263 |
| Loan loss allowance to noncurrent loans | 60.9068% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 6.0700% | 316 |
| Noncurrent loans to loans | 2.8587% | 1,231 |
| Net loans and leases to total assets | 58.3477% | 3,972 |
| Net loans and leases to deposits | 68.7743% | 3,943 |
| Net loans and leases to core deposits | 68.7743% | 4,427 |
| Total domestic deposits to total assets | 84.8395% | 3,834 |
| Equity capital to assets | 11.6928% | 2,037 |
| Core capital (leverage) ratio | 11.8697% | 1,702 |
| Tier 1 risk-based capital ratio | 18.5352% | 2,071 |
| Total risk-based capital ratio | 19.7907% | 2,032 |
| Memoranda: | ||
| Average total assets | $69,458,000 | 5,497 |
| Average earning assets | $61,368,400 | 5,554 |
| Average equity | $8,354,400 | 5,256 |
| Average total loans | $43,898,400 | 5,192 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 3,164 |
| Cost of funding earning assets | 0.3267% | 5,494 |
| Net interest margin | 3.9314% | 2,171 |
| Noninterest income to average assets | 0.2969% | 5,320 |
| Noninterest expense to average assets | 3.6509% | 1,325 |
| Loan and lease loss provision to assets | 0.1437% | 2,486 |
| Net operating income to assets | -0.0172% | 6,315 |
| Return on assets (ROA) | -0.0134% | 6,354 |
| Pretax return on assets | -0.0134% | 6,330 |
| Return on Equity (ROE) | -0.1107% | 6,356 |
| Retained earnings to average equity (ytd only) | -8.0187% | 6,596 |
| Net charge-offs to loans | 0.3225% | 1,929 |
| Credit loss provision to net charge-offs | 69.4444% | 3,083 |
| Earnings coverage of net charge-offs (x) | 0.6111% | 4,652 |
| Efficiency ratio | 96.6531% | 589 |
| Assets per employee ($millions) | 3.8070% | 4,221 |
| Cash dividends to net income (ytd only)* | -7,145.2304% | 6,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7829% | 2,356 |
| Loan loss allowance to noncurrent loans | 106.6265% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 6.9112% | 301 |
| Noncurrent loans to loans | 1.6721% | 2,682 |
| Net loans and leases to total assets | 56.9171% | 4,184 |
| Net loans and leases to deposits | 67.1898% | 4,153 |
| Net loans and leases to core deposits | 67.1898% | 4,602 |
| Total domestic deposits to total assets | 84.7109% | 3,877 |
| Equity capital to assets | 11.7897% | 2,053 |
| Core capital (leverage) ratio | 11.7180% | 1,877 |
| Tier 1 risk-based capital ratio | 18.4372% | 2,162 |
| Total risk-based capital ratio | 19.6923% | 2,134 |
| Memoranda: | ||
| Average total assets | $69,606,750 | 5,546 |
| Average earning assets | $61,622,500 | 5,606 |
| Average equity | $8,430,000 | 5,290 |
| Average total loans | $44,650,000 | 5,216 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 2,863 |
| Cost of funding earning assets | 0.3428% | 5,465 |
| Net interest margin | 3.9792% | 1,933 |
| Noninterest income to average assets | 0.2830% | 5,424 |
| Noninterest expense to average assets | 3.7360% | 1,192 |
| Loan and lease loss provision to assets | 0.2144% | 1,763 |
| Net operating income to assets | -0.1172% | 6,418 |
| Return on assets (ROA) | -0.1115% | 6,457 |
| Pretax return on assets | -0.1115% | 6,435 |
| Return on Equity (ROE) | -0.9126% | 6,451 |
| Retained earnings to average equity (ytd only) | -12.6126% | 6,723 |
| Net charge-offs to loans | -0.0043% | 5,611 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4646% | 597 |
| Assets per employee ($millions) | 3.8259% | 4,156 |
| Cash dividends to net income (ytd only)* | -1,282.0513% | 6,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8688% | 2,197 |
| Loan loss allowance to noncurrent loans | 29.5159% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 8.2653% | 233 |
| Noncurrent loans to loans | 6.3316% | 419 |
| Net loans and leases to total assets | 62.2949% | 3,236 |
| Net loans and leases to deposits | 73.4677% | 3,228 |
| Net loans and leases to core deposits | 73.9744% | 3,814 |
| Total domestic deposits to total assets | 84.7922% | 3,996 |
| Equity capital to assets | 11.7228% | 2,108 |
| Core capital (leverage) ratio | 11.4718% | 1,954 |
| Tier 1 risk-based capital ratio | 17.5635% | 2,492 |
| Total risk-based capital ratio | 18.8206% | 2,455 |
| Memoranda: | ||
| Average total assets | $69,967,000 | 5,570 |
| Average earning assets | $62,425,330 | 5,612 |
| Average equity | $8,547,000 | 5,292 |
| Average total loans | $46,296,330 | 5,170 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 2,291 |
| Cost of funding earning assets | 0.3436% | 5,608 |
| Net interest margin | 4.1231% | 1,394 |
| Noninterest income to average assets | 0.3630% | 4,759 |
| Noninterest expense to average assets | 3.8912% | 1,007 |
| Loan and lease loss provision to assets | 0.4254% | 707 |
| Net operating income to assets | -0.2779% | 6,561 |
| Return on assets (ROA) | -0.2779% | 6,597 |
| Pretax return on assets | -0.2779% | 6,590 |
| Return on Equity (ROE) | -2.2313% | 6,571 |
| Retained earnings to average equity (ytd only) | -2.2313% | 6,103 |
| Net charge-offs to loans | -0.0252% | 5,822 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3483% | 714 |
| Assets per employee ($millions) | 3.8796% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 2,698 |
| Loan loss allowance to noncurrent loans | 33.1579% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 7.6942% | 338 |
| Noncurrent loans to loans | 5.3647% | 689 |
| Net loans and leases to total assets | 64.7597% | 2,574 |
| Net loans and leases to deposits | 78.1404% | 2,316 |
| Net loans and leases to core deposits | 78.6843% | 2,972 |
| Total domestic deposits to total assets | 82.8760% | 4,896 |
| Equity capital to assets | 12.4943% | 1,718 |
| Core capital (leverage) ratio | 12.2334% | 1,445 |
| Tier 1 risk-based capital ratio | 17.9541% | 2,385 |
| Total risk-based capital ratio | 19.2096% | 2,346 |
| Memoranda: | ||
| Average total assets | $70,517,500 | 5,611 |
| Average earning assets | $62,866,000 | 5,646 |
| Average equity | $8,784,000 | 5,282 |
| Average total loans | $47,586,000 | 5,149 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7646% | 2,340 |
| Cost of funding earning assets | 0.4448% | 5,627 |
| Net interest margin | 4.3198% | 1,356 |
| Noninterest income to average assets | 0.1756% | 6,143 |
| Noninterest expense to average assets | 3.3664% | 2,138 |
| Loan and lease loss provision to assets | 0.2282% | 2,850 |
| Net operating income to assets | 0.4896% | 4,723 |
| Return on assets (ROA) | 0.5159% | 4,886 |
| Pretax return on assets | 0.5159% | 5,229 |
| Return on Equity (ROE) | 4.3348% | 5,011 |
| Retained earnings to average equity (ytd only) | 4.3348% | 3,180 |
| Net charge-offs to loans | 1.6449% | 511 |
| Credit loss provision to net charge-offs | 19.4346% | 5,294 |
| Earnings coverage of net charge-offs (x) | 0.6113% | 5,185 |
| Efficiency ratio | 82.4247% | 1,815 |
| Assets per employee ($millions) | 3.9557% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 3,715 |
| Loan loss allowance to noncurrent loans | 30.0365% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 7.6738% | 385 |
| Noncurrent loans to loans | 5.0214% | 790 |
| Net loans and leases to total assets | 67.9592% | 2,186 |
| Net loans and leases to deposits | 81.7189% | 2,039 |
| Net loans and leases to core deposits | 82.2746% | 2,742 |
| Total domestic deposits to total assets | 83.1622% | 4,651 |
| Equity capital to assets | 12.4194% | 1,769 |
| Core capital (leverage) ratio | 11.8503% | 1,640 |
| Tier 1 risk-based capital ratio | 17.0845% | 2,611 |
| Total risk-based capital ratio | 18.3442% | 2,576 |
| Memoranda: | ||
| Average total assets | $72,303,400 | 5,573 |
| Average earning assets | $65,419,400 | 5,573 |
| Average equity | $8,604,800 | 5,333 |
| Average total loans | $51,613,400 | 5,035 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7720% | 2,499 |
| Cost of funding earning assets | 0.4721% | 5,621 |
| Net interest margin | 4.2998% | 1,458 |
| Noninterest income to average assets | 0.1194% | 6,542 |
| Noninterest expense to average assets | 3.4114% | 1,974 |
| Loan and lease loss provision to assets | 0.3031% | 2,180 |
| Net operating income to assets | 0.3031% | 5,608 |
| Return on assets (ROA) | 0.3031% | 5,805 |
| Pretax return on assets | 0.3031% | 5,951 |
| Return on Equity (ROE) | 2.5744% | 5,857 |
| Retained earnings to average equity (ytd only) | 2.5744% | 5,025 |
| Net charge-offs to loans | 1.7868% | 442 |
| Credit loss provision to net charge-offs | 23.5714% | 4,903 |
| Earnings coverage of net charge-offs (x) | 0.4714% | 5,081 |
| Efficiency ratio | 84.9108% | 1,482 |
| Assets per employee ($millions) | 3.9804% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 2,930 |
| Loan loss allowance to noncurrent loans | 28.9808% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 8.2781% | 363 |
| Noncurrent loans to loans | 6.0746% | 667 |
| Net loans and leases to total assets | 69.3190% | 2,051 |
| Net loans and leases to deposits | 83.3543% | 1,947 |
| Net loans and leases to core deposits | 83.9177% | 2,711 |
| Total domestic deposits to total assets | 83.1619% | 4,576 |
| Equity capital to assets | 12.1931% | 2,119 |
| Core capital (leverage) ratio | 11.6359% | 1,884 |
| Tier 1 risk-based capital ratio | 16.2946% | 3,114 |
| Total risk-based capital ratio | 17.5511% | 3,076 |
| Memoranda: | ||
| Average total assets | $72,578,500 | 5,619 |
| Average earning assets | $65,799,500 | 5,623 |
| Average equity | $8,545,250 | 5,404 |
| Average total loans | $52,234,250 | 5,064 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8384% | 2,346 |
| Cost of funding earning assets | 0.5174% | 5,501 |
| Net interest margin | 4.3209% | 1,426 |
| Noninterest income to average assets | 0.0933% | 6,704 |
| Noninterest expense to average assets | 3.4326% | 1,952 |
| Loan and lease loss provision to assets | 0.4802% | 1,319 |
| Net operating income to assets | 0.0988% | 6,163 |
| Return on assets (ROA) | 0.0988% | 6,313 |
| Pretax return on assets | 0.0988% | 6,330 |
| Return on Equity (ROE) | 0.8489% | 6,324 |
| Retained earnings to average equity (ytd only) | 0.8489% | 5,726 |
| Net charge-offs to loans | 2.6670% | 251 |
| Credit loss provision to net charge-offs | 24.8580% | 4,532 |
| Earnings coverage of net charge-offs (x) | 0.2997% | 4,929 |
| Efficiency ratio | 85.5677% | 1,474 |
| Assets per employee ($millions) | 3.9893% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7491% | 3,028 |
| Loan loss allowance to noncurrent loans | 25.1332% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 8.8583% | 352 |
| Noncurrent loans to loans | 6.9595% | 560 |
| Net loans and leases to total assets | 70.0883% | 1,905 |
| Net loans and leases to deposits | 83.7491% | 1,885 |
| Net loans and leases to core deposits | 84.3102% | 2,651 |
| Total domestic deposits to total assets | 83.6884% | 4,447 |
| Equity capital to assets | 11.9249% | 2,198 |
| Core capital (leverage) ratio | 11.3151% | 2,030 |
| Tier 1 risk-based capital ratio | 16.0005% | 3,170 |
| Total risk-based capital ratio | 17.2557% | 3,136 |
| Memoranda: | ||
| Average total assets | $72,889,000 | 5,638 |
| Average earning assets | $66,096,670 | 5,644 |
| Average equity | $8,481,670 | 5,424 |
| Average total loans | $52,794,000 | 5,073 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 2,540 |
| Cost of funding earning assets | 0.5769% | 5,301 |
| Net interest margin | 4.2490% | 1,610 |
| Noninterest income to average assets | 0.0490% | 6,935 |
| Noninterest expense to average assets | 3.8404% | 1,153 |
| Loan and lease loss provision to assets | 0.5447% | 1,084 |
| Net operating income to assets | -0.4848% | 6,819 |
| Return on assets (ROA) | -0.4848% | 6,849 |
| Pretax return on assets | -0.4848% | 6,819 |
| Return on Equity (ROE) | -4.2175% | 6,822 |
| Retained earnings to average equity (ytd only) | -4.2175% | 6,522 |
| Net charge-offs to loans | 0.2538% | 2,655 |
| Credit loss provision to net charge-offs | 294.1176% | 1,003 |
| Earnings coverage of net charge-offs (x) | 0.3235% | 4,206 |
| Efficiency ratio | 98.4637% | 613 |
| Assets per employee ($millions) | 4.0446% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8193% | 990 |
| Loan loss allowance to noncurrent loans | 37.5851% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 9.5327% | 336 |
| Noncurrent loans to loans | 7.5012% | 561 |
| Net loans and leases to total assets | 70.5942% | 1,650 |
| Net loans and leases to deposits | 85.3650% | 1,488 |
| Net loans and leases to core deposits | 86.8039% | 2,194 |
| Total domestic deposits to total assets | 82.6969% | 5,042 |
| Equity capital to assets | 11.5546% | 2,391 |
| Core capital (leverage) ratio | 10.9890% | 2,264 |
| Tier 1 risk-based capital ratio | 15.3843% | 3,507 |
| Total risk-based capital ratio | 16.6534% | 3,466 |
| Memoranda: | ||
| Average total assets | $73,429,500 | 5,669 |
| Average earning assets | $66,557,500 | 5,670 |
| Average equity | $8,441,000 | 5,455 |
| Average total loans | $53,578,500 | 5,085 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 2,156 |
| Cost of funding earning assets | 0.8599% | 4,394 |
| Net interest margin | 4.3179% | 1,643 |
| Noninterest income to average assets | 0.1815% | 6,193 |
| Noninterest expense to average assets | 3.2959% | 2,538 |
| Loan and lease loss provision to assets | 0.9167% | 1,047 |
| Net operating income to assets | -0.0703% | 6,130 |
| Return on assets (ROA) | -0.0115% | 6,176 |
| Pretax return on assets | -0.0115% | 6,146 |
| Return on Equity (ROE) | -0.1055% | 6,177 |
| Retained earnings to average equity (ytd only) | -0.1055% | 5,865 |
| Net charge-offs to loans | 1.1806% | 1,432 |
| Credit loss provision to net charge-offs | 105.9084% | 3,220 |
| Earnings coverage of net charge-offs (x) | 0.9778% | 5,064 |
| Efficiency ratio | 79.5679% | 2,363 |
| Assets per employee ($millions) | 4.3563% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6257% | 1,162 |
| Loan loss allowance to noncurrent loans | 33.2866% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 9.4063% | 369 |
| Noncurrent loans to loans | 7.8880% | 512 |
| Net loans and leases to total assets | 71.3599% | 1,758 |
| Net loans and leases to deposits | 85.2632% | 1,767 |
| Net loans and leases to core deposits | 92.0567% | 1,881 |
| Total domestic deposits to total assets | 83.6936% | 4,453 |
| Equity capital to assets | 11.4371% | 2,559 |
| Core capital (leverage) ratio | 10.9722% | 2,290 |
| Tier 1 risk-based capital ratio | 15.0994% | 3,581 |
| Total risk-based capital ratio | 16.3665% | 3,536 |
| Memoranda: | ||
| Average total assets | $78,217,800 | 5,495 |
| Average earning assets | $71,748,600 | 5,476 |
| Average equity | $8,534,800 | 5,395 |
| Average total loans | $57,343,000 | 4,971 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3271% | 1,765 |
| Cost of funding earning assets | 0.9080% | 4,341 |
| Net interest margin | 4.4191% | 1,352 |
| Noninterest income to average assets | 0.1699% | 6,374 |
| Noninterest expense to average assets | 3.2568% | 2,643 |
| Loan and lease loss provision to assets | 0.7284% | 1,318 |
| Net operating income to assets | 0.2456% | 5,582 |
| Return on assets (ROA) | 0.3213% | 5,492 |
| Pretax return on assets | 0.3213% | 5,659 |
| Return on Equity (ROE) | 2.9781% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.9781% | 4,571 |
| Net charge-offs to loans | 0.7181% | 2,117 |
| Credit loss provision to net charge-offs | 138.3387% | 2,306 |
| Earnings coverage of net charge-offs (x) | 1.8499% | 4,278 |
| Efficiency ratio | 76.9781% | 2,678 |
| Assets per employee ($millions) | 4.6710% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8412% | 992 |
| Loan loss allowance to noncurrent loans | 35.5876% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 7.7700% | 583 |
| Noncurrent loans to loans | 7.9838% | 550 |
| Net loans and leases to total assets | 68.8624% | 2,302 |
| Net loans and leases to deposits | 82.4786% | 2,263 |
| Net loans and leases to core deposits | 89.3086% | 2,327 |
| Total domestic deposits to total assets | 83.4912% | 4,483 |
| Equity capital to assets | 11.6744% | 2,521 |
| Core capital (leverage) ratio | 11.1635% | 2,270 |
| Tier 1 risk-based capital ratio | 15.5730% | 3,344 |
| Total risk-based capital ratio | 16.8413% | 3,299 |
| Memoranda: | ||
| Average total assets | $79,258,000 | 5,522 |
| Average earning assets | $72,833,750 | 5,484 |
| Average equity | $8,551,000 | 5,421 |
| Average total loans | $58,110,750 | 4,992 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2063% | 2,234 |
| Cost of funding earning assets | 0.9669% | 4,198 |
| Net interest margin | 4.2393% | 1,878 |
| Noninterest income to average assets | 0.3194% | 5,346 |
| Noninterest expense to average assets | 3.3381% | 2,437 |
| Loan and lease loss provision to assets | 0.4953% | 1,988 |
| Net operating income to assets | 0.3838% | 5,026 |
| Return on assets (ROA) | 0.4953% | 4,665 |
| Pretax return on assets | 0.4953% | 5,092 |
| Return on Equity (ROE) | 4.7098% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.7098% | 3,190 |
| Net charge-offs to loans | 0.0769% | 4,871 |
| Credit loss provision to net charge-offs | 869.5652% | 374 |
| Earnings coverage of net charge-offs (x) | 15.4348% | 1,406 |
| Efficiency ratio | 79.1544% | 2,528 |
| Assets per employee ($millions) | 4.5483% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7698% | 1,107 |
| Loan loss allowance to noncurrent loans | 33.5842% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 8.8566% | 477 |
| Noncurrent loans to loans | 8.2475% | 539 |
| Net loans and leases to total assets | 70.9135% | 2,023 |
| Net loans and leases to deposits | 85.8693% | 1,810 |
| Net loans and leases to core deposits | 97.8898% | 1,512 |
| Total domestic deposits to total assets | 82.5830% | 4,953 |
| Equity capital to assets | 11.2091% | 2,761 |
| Core capital (leverage) ratio | 10.4311% | 2,786 |
| Tier 1 risk-based capital ratio | 14.8688% | 3,572 |
| Total risk-based capital ratio | 16.1367% | 3,530 |
| Memoranda: | ||
| Average total assets | $80,765,330 | 5,528 |
| Average earning assets | $74,256,670 | 5,485 |
| Average equity | $8,493,000 | 5,459 |
| Average total loans | $59,824,330 | 4,965 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2574% | 2,018 |
| Cost of funding earning assets | 0.9982% | 4,217 |
| Net interest margin | 4.2592% | 1,704 |
| Noninterest income to average assets | 0.4219% | 4,524 |
| Noninterest expense to average assets | 3.1423% | 3,102 |
| Loan and lease loss provision to assets | 0.4849% | 1,813 |
| Net operating income to assets | 0.7468% | 3,291 |
| Return on assets (ROA) | 0.7468% | 3,355 |
| Pretax return on assets | 0.7468% | 4,111 |
| Return on Equity (ROE) | 7.3281% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.3281% | 2,010 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8404% | 3,902 |
| Assets per employee ($millions) | 4.7822% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4644% | 1,511 |
| Loan loss allowance to noncurrent loans | 33.3708% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 7.3398% | 699 |
| Noncurrent loans to loans | 7.3849% | 709 |
| Net loans and leases to total assets | 72.2942% | 1,662 |
| Net loans and leases to deposits | 87.0866% | 1,585 |
| Net loans and leases to core deposits | 104.6714% | 1,019 |
| Total domestic deposits to total assets | 83.0141% | 4,922 |
| Equity capital to assets | 10.4518% | 3,235 |
| Core capital (leverage) ratio | 10.1025% | 3,031 |
| Tier 1 risk-based capital ratio | 13.9777% | 4,087 |
| Total risk-based capital ratio | 15.2430% | 4,056 |
| Memoranda: | ||
| Average total assets | $82,487,500 | 5,509 |
| Average earning assets | $76,540,000 | 5,459 |
| Average equity | $8,406,000 | 5,489 |
| Average total loans | $61,540,000 | 4,926 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 2,959 |
| Cost of funding earning assets | 1.2392% | 4,292 |
| Net interest margin | 4.0955% | 2,581 |
| Noninterest income to average assets | 0.3714% | 5,125 |
| Noninterest expense to average assets | 3.0074% | 3,825 |
| Loan and lease loss provision to assets | 1.2512% | 1,241 |
| Net operating income to assets | -0.0815% | 5,963 |
| Return on assets (ROA) | 0.0068% | 5,952 |
| Pretax return on assets | 0.0068% | 5,885 |
| Return on Equity (ROE) | 0.0685% | 5,952 |
| Retained earnings to average equity (ytd only) | -4.7411% | 6,274 |
| Net charge-offs to loans | 1.1272% | 1,977 |
| Credit loss provision to net charge-offs | 146.3576% | 2,515 |
| Earnings coverage of net charge-offs (x) | 1.3682% | 4,742 |
| Efficiency ratio | 71.9978% | 3,797 |
| Assets per employee ($millions) | 4.9222% | 2,254 |
| Cash dividends to net income (ytd only)* | 7,016.6667% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2046% | 1,857 |
| Loan loss allowance to noncurrent loans | 27.7333% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 8.1168% | 606 |
| Noncurrent loans to loans | 7.9494% | 654 |
| Net loans and leases to total assets | 73.4207% | 1,785 |
| Net loans and leases to deposits | 88.9038% | 1,661 |
| Net loans and leases to core deposits | 107.8334% | 1,060 |
| Total domestic deposits to total assets | 82.5844% | 4,979 |
| Equity capital to assets | 9.9369% | 3,831 |
| Core capital (leverage) ratio | 9.5118% | 3,693 |
| Tier 1 risk-based capital ratio | 13.2522% | 4,409 |
| Total risk-based capital ratio | 14.5147% | 4,356 |
| Memoranda: | ||
| Average total assets | $88,316,400 | 5,339 |
| Average earning assets | $82,066,600 | 5,272 |
| Average equity | $8,753,200 | 5,490 |
| Average total loans | $66,979,000 | 4,791 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3292% | 3,215 |
| Cost of funding earning assets | 1.2646% | 4,465 |
| Net interest margin | 4.0646% | 2,791 |
| Noninterest income to average assets | 0.4292% | 4,725 |
| Noninterest expense to average assets | 2.9072% | 4,061 |
| Loan and lease loss provision to assets | 0.8792% | 1,731 |
| Net operating income to assets | 0.4217% | 4,653 |
| Return on assets (ROA) | 0.5379% | 4,314 |
| Pretax return on assets | 0.5379% | 4,800 |
| Return on Equity (ROE) | 5.4308% | 4,069 |
| Retained earnings to average equity (ytd only) | -0.9027% | 5,995 |
| Net charge-offs to loans | 0.8292% | 2,380 |
| Credit loss provision to net charge-offs | 139.4799% | 2,857 |
| Earnings coverage of net charge-offs (x) | 2.0638% | 4,178 |
| Efficiency ratio | 69.0864% | 4,251 |
| Assets per employee ($millions) | 5.1120% | 2,042 |
| Cash dividends to net income (ytd only)* | 116.6210% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8546% | 2,614 |
| Loan loss allowance to noncurrent loans | 27.9795% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 7.1884% | 741 |
| Noncurrent loans to loans | 6.6284% | 886 |
| Net loans and leases to total assets | 73.1957% | 1,975 |
| Net loans and leases to deposits | 88.6662% | 1,916 |
| Net loans and leases to core deposits | 109.4573% | 1,067 |
| Total domestic deposits to total assets | 82.5520% | 4,775 |
| Equity capital to assets | 10.2205% | 3,853 |
| Core capital (leverage) ratio | 9.8196% | 3,461 |
| Tier 1 risk-based capital ratio | 13.3173% | 4,338 |
| Total risk-based capital ratio | 14.5754% | 4,296 |
| Memoranda: | ||
| Average total assets | $89,476,000 | 5,372 |
| Average earning assets | $83,186,750 | 5,300 |
| Average equity | $8,862,750 | 5,532 |
| Average total loans | $68,018,250 | 4,833 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3366% | 3,280 |
| Cost of funding earning assets | 1.2949% | 4,571 |
| Net interest margin | 4.0417% | 2,832 |
| Noninterest income to average assets | 0.5336% | 3,845 |
| Noninterest expense to average assets | 2.9601% | 3,853 |
| Loan and lease loss provision to assets | 0.9299% | 1,573 |
| Net operating income to assets | 0.4030% | 4,742 |
| Return on assets (ROA) | 0.4849% | 4,550 |
| Pretax return on assets | 0.4849% | 4,948 |
| Return on Equity (ROE) | 4.9456% | 4,310 |
| Retained earnings to average equity (ytd only) | 4.9456% | 2,937 |
| Net charge-offs to loans | 0.7585% | 2,344 |
| Credit loss provision to net charge-offs | 160.3053% | 2,454 |
| Earnings coverage of net charge-offs (x) | 2.2977% | 3,852 |
| Efficiency ratio | 68.9531% | 4,389 |
| Assets per employee ($millions) | 5.1511% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 2,744 |
| Loan loss allowance to noncurrent loans | 28.3306% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 6.6085% | 837 |
| Noncurrent loans to loans | 6.3189% | 973 |
| Net loans and leases to total assets | 74.7388% | 1,756 |
| Net loans and leases to deposits | 91.7718% | 1,569 |
| Net loans and leases to core deposits | 114.4476% | 899 |
| Total domestic deposits to total assets | 81.4398% | 5,221 |
| Equity capital to assets | 10.4523% | 3,477 |
| Core capital (leverage) ratio | 9.9090% | 3,272 |
| Tier 1 risk-based capital ratio | 13.4424% | 4,108 |
| Total risk-based capital ratio | 14.6997% | 4,066 |
| Memoranda: | ||
| Average total assets | $90,333,330 | 5,377 |
| Average earning assets | $84,023,330 | 5,300 |
| Average equity | $8,856,330 | 5,546 |
| Average total loans | $69,087,000 | 4,823 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4278% | 2,907 |
| Cost of funding earning assets | 1.3242% | 4,662 |
| Net interest margin | 4.1036% | 2,420 |
| Noninterest income to average assets | 0.1526% | 6,876 |
| Noninterest expense to average assets | 2.7389% | 4,722 |
| Loan and lease loss provision to assets | 1.0903% | 1,127 |
| Net operating income to assets | 0.1483% | 5,864 |
| Return on assets (ROA) | 0.2835% | 5,490 |
| Pretax return on assets | 0.2835% | 5,652 |
| Return on Equity (ROE) | 2.9858% | 5,343 |
| Retained earnings to average equity (ytd only) | 2.9858% | 4,338 |
| Net charge-offs to loans | 0.7623% | 1,986 |
| Credit loss provision to net charge-offs | 186.5672% | 1,966 |
| Earnings coverage of net charge-offs (x) | 2.1194% | 3,477 |
| Efficiency ratio | 68.8596% | 4,537 |
| Assets per employee ($millions) | 5.3283% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 3,102 |
| Loan loss allowance to noncurrent loans | 44.9434% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 4.8299% | 1,358 |
| Noncurrent loans to loans | 3.7607% | 2,111 |
| Net loans and leases to total assets | 73.9095% | 1,993 |
| Net loans and leases to deposits | 90.9953% | 1,763 |
| Net loans and leases to core deposits | 114.0647% | 1,041 |
| Total domestic deposits to total assets | 81.2234% | 5,372 |
| Equity capital to assets | 9.6886% | 4,244 |
| Core capital (leverage) ratio | 9.5007% | 3,772 |
| Tier 1 risk-based capital ratio | 12.9115% | 4,401 |
| Total risk-based capital ratio | 14.1672% | 4,371 |
| Memoranda: | ||
| Average total assets | $91,715,500 | 5,398 |
| Average earning assets | $85,485,500 | 5,324 |
| Average equity | $8,708,000 | 5,625 |
| Average total loans | $70,310,000 | 4,848 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2031% | 1,235 |
| Cost of funding earning assets | 1.7677% | 4,160 |
| Net interest margin | 4.4354% | 1,333 |
| Noninterest income to average assets | 0.1956% | 6,697 |
| Noninterest expense to average assets | 2.5021% | 6,122 |
| Loan and lease loss provision to assets | 1.2984% | 1,779 |
| Net operating income to assets | 0.5431% | 3,560 |
| Return on assets (ROA) | 0.7501% | 2,810 |
| Pretax return on assets | 0.7501% | 3,405 |
| Return on Equity (ROE) | 8.1088% | 2,324 |
| Retained earnings to average equity (ytd only) | -3.9138% | 5,851 |
| Net charge-offs to loans | 1.3529% | 1,845 |
| Credit loss provision to net charge-offs | 121.7561% | 4,358 |
| Earnings coverage of net charge-offs (x) | 1.7268% | 4,438 |
| Efficiency ratio | 57.6048% | 6,818 |
| Assets per employee ($millions) | 5.1583% | 2,002 |
| Cash dividends to net income (ytd only)* | 148.2663% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 4,090 |
| Loan loss allowance to noncurrent loans | 72.8873% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 2.9930% | 2,343 |
| Noncurrent loans to loans | 1.9581% | 3,720 |
| Net loans and leases to total assets | 76.9908% | 1,588 |
| Net loans and leases to deposits | 98.2261% | 1,080 |
| Net loans and leases to core deposits | 116.1034% | 2,306 |
| Total domestic deposits to total assets | 78.3813% | 6,149 |
| Equity capital to assets | 9.3053% | 4,694 |
| Core capital (leverage) ratio | 9.1464% | 4,205 |
| Tier 1 risk-based capital ratio | 11.9497% | 4,985 |
| Total risk-based capital ratio | 13.2024% | 4,939 |
| Memoranda: | ||
| Average total assets | $96,119,800 | 5,198 |
| Average earning assets | $89,890,200 | 5,123 |
| Average equity | $8,891,600 | 5,637 |
| Average total loans | $75,764,000 | 4,660 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2727% | 1,193 |
| Cost of funding earning assets | 1.8403% | 4,199 |
| Net interest margin | 4.4324% | 1,360 |
| Noninterest income to average assets | 0.2036% | 6,765 |
| Noninterest expense to average assets | 2.4950% | 6,082 |
| Loan and lease loss provision to assets | 0.7771% | 2,429 |
| Net operating income to assets | 1.0756% | 1,809 |
| Return on assets (ROA) | 1.1375% | 1,686 |
| Pretax return on assets | 1.1375% | 2,454 |
| Return on Equity (ROE) | 12.3138% | 1,285 |
| Retained earnings to average equity (ytd only) | -3.0971% | 5,956 |
| Net charge-offs to loans | 0.5729% | 2,959 |
| Credit loss provision to net charge-offs | 171.7325% | 2,706 |
| Earnings coverage of net charge-offs (x) | 4.0942% | 3,263 |
| Efficiency ratio | 57.3869% | 6,805 |
| Assets per employee ($millions) | 5.2948% | 1,792 |
| Cash dividends to net income (ytd only)* | 125.1515% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 3,833 |
| Loan loss allowance to noncurrent loans | 59.4779% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 3.5381% | 1,871 |
| Noncurrent loans to loans | 2.3893% | 3,157 |
| Net loans and leases to total assets | 76.2785% | 1,937 |
| Net loans and leases to deposits | 101.7652% | 942 |
| Net loans and leases to core deposits | 120.7027% | 2,186 |
| Total domestic deposits to total assets | 74.9554% | 6,778 |
| Equity capital to assets | 9.5597% | 4,664 |
| Core capital (leverage) ratio | 9.1610% | 4,401 |
| Tier 1 risk-based capital ratio | 11.7768% | 5,172 |
| Total risk-based capital ratio | 13.0280% | 5,116 |
| Memoranda: | ||
| Average total assets | $96,937,250 | 5,215 |
| Average earning assets | $90,633,250 | 5,141 |
| Average equity | $8,954,500 | 5,670 |
| Average total loans | $76,574,750 | 4,669 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3607% | 1,079 |
| Cost of funding earning assets | 1.9163% | 4,184 |
| Net interest margin | 4.4444% | 1,303 |
| Noninterest income to average assets | 0.2134% | 6,777 |
| Noninterest expense to average assets | 2.4825% | 6,172 |
| Loan and lease loss provision to assets | 0.7796% | 2,131 |
| Net operating income to assets | 1.1243% | 1,684 |
| Return on assets (ROA) | 1.1243% | 1,768 |
| Pretax return on assets | 1.1243% | 2,549 |
| Return on Equity (ROE) | 12.3114% | 1,330 |
| Retained earnings to average equity (ytd only) | -7.6384% | 6,629 |
| Net charge-offs to loans | 0.6760% | 2,348 |
| Credit loss provision to net charge-offs | 145.0382% | 3,192 |
| Earnings coverage of net charge-offs (x) | 3.5420% | 3,399 |
| Efficiency ratio | 56.5949% | 7,039 |
| Assets per employee ($millions) | 5.3284% | 1,742 |
| Cash dividends to net income (ytd only)* | 162.0438% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 4,760 |
| Loan loss allowance to noncurrent loans | 55.9567% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 3.1175% | 2,016 |
| Noncurrent loans to loans | 2.1939% | 3,267 |
| Net loans and leases to total assets | 78.0140% | 1,739 |
| Net loans and leases to deposits | 104.0856% | 909 |
| Net loans and leases to core deposits | 124.2304% | 2,005 |
| Total domestic deposits to total assets | 74.9518% | 6,770 |
| Equity capital to assets | 9.3201% | 4,842 |
| Core capital (leverage) ratio | 8.8874% | 4,803 |
| Tier 1 risk-based capital ratio | 11.3992% | 5,500 |
| Total risk-based capital ratio | 12.6076% | 5,451 |
| Memoranda: | ||
| Average total assets | $97,481,000 | 5,234 |
| Average earning assets | $91,531,330 | 5,140 |
| Average equity | $8,902,330 | 5,718 |
| Average total loans | $77,517,670 | 4,675 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6302% | 664 |
| Cost of funding earning assets | 2.0644% | 3,812 |
| Net interest margin | 4.5658% | 1,008 |
| Noninterest income to average assets | 0.2035% | 6,835 |
| Noninterest expense to average assets | 2.4668% | 5,970 |
| Loan and lease loss provision to assets | 0.9769% | 1,329 |
| Net operating income to assets | 1.0543% | 2,120 |
| Return on assets (ROA) | 1.0543% | 2,253 |
| Pretax return on assets | 1.0543% | 3,161 |
| Return on Equity (ROE) | 11.6614% | 1,770 |
| Retained earnings to average equity (ytd only) | -21.7019% | 7,693 |
| Net charge-offs to loans | 0.8571% | 1,529 |
| Credit loss provision to net charge-offs | 142.8571% | 2,868 |
| Earnings coverage of net charge-offs (x) | 2.9702% | 3,318 |
| Efficiency ratio | 54.8416% | 7,127 |
| Assets per employee ($millions) | 5.7688% | 1,345 |
| Cash dividends to net income (ytd only)* | 286.1004% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 5,242 |
| Loan loss allowance to noncurrent loans | 57.7400% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 2.9153% | 1,951 |
| Noncurrent loans to loans | 1.9619% | 3,318 |
| Net loans and leases to total assets | 78.6693% | 1,653 |
| Net loans and leases to deposits | 103.0645% | 1,086 |
| Net loans and leases to core deposits | 121.0725% | 2,328 |
| Total domestic deposits to total assets | 76.3302% | 6,445 |
| Equity capital to assets | 8.9028% | 5,473 |
| Core capital (leverage) ratio | 8.6347% | 5,279 |
| Tier 1 risk-based capital ratio | 10.9077% | 5,986 |
| Total risk-based capital ratio | 12.0435% | 6,003 |
| Memoranda: | ||
| Average total assets | $98,266,000 | 5,227 |
| Average earning assets | $92,426,000 | 5,132 |
| Average equity | $8,884,000 | 5,742 |
| Average total loans | $78,399,500 | 4,666 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5672% | 2,635 |
| Cost of funding earning assets | 2.7044% | 3,142 |
| Net interest margin | 3.8628% | 3,730 |
| Noninterest income to average assets | 0.1396% | 7,404 |
| Noninterest expense to average assets | 2.2385% | 6,867 |
| Loan and lease loss provision to assets | 0.1222% | 5,792 |
| Net operating income to assets | 1.4119% | 1,203 |
| Return on assets (ROA) | 1.4119% | 1,159 |
| Pretax return on assets | 1.4119% | 1,936 |
| Return on Equity (ROE) | 15.4888% | 852 |
| Retained earnings to average equity (ytd only) | -0.7097% | 5,516 |
| Net charge-offs to loans | 0.1380% | 4,842 |
| Credit loss provision to net charge-offs | 112.2642% | 4,802 |
| Earnings coverage of net charge-offs (x) | 14.0943% | 2,076 |
| Efficiency ratio | 59.3359% | 6,469 |
| Assets per employee ($millions) | 5.7919% | 1,270 |
| Cash dividends to net income (ytd only)* | 104.5818% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 5,769 |
| Loan loss allowance to noncurrent loans | 87.0311% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.5417% | 3,140 |
| Noncurrent loans to loans | 1.1846% | 4,142 |
| Net loans and leases to total assets | 79.1696% | 1,843 |
| Net loans and leases to deposits | 110.3261% | 808 |
| Net loans and leases to core deposits | 124.3948% | 2,293 |
| Total domestic deposits to total assets | 71.7597% | 7,045 |
| Equity capital to assets | 9.1782% | 5,112 |
| Core capital (leverage) ratio | 9.1147% | 4,569 |
| Tier 1 risk-based capital ratio | 11.5469% | 5,201 |
| Total risk-based capital ratio | 12.5920% | 5,302 |
| Memoranda: | ||
| Average total assets | $97,387,600 | 5,128 |
| Average earning assets | $91,591,200 | 5,042 |
| Average equity | $8,877,400 | 5,779 |
| Average total loans | $76,786,200 | 4,621 |