Home > Durand State Bank > Performance and Condition Ratios
Durand State Bank, Performance and Condition Ratios
| 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 | 3.0146% | 3,850 |
| Cost of funding earning assets | 0.3172% | 2,224 |
| Net interest margin | 2.6974% | 3,876 |
| Noninterest income to average assets | 0.2995% | 3,605 |
| Noninterest expense to average assets | 2.5933% | 1,887 |
| Loan and lease loss provision to assets | 0.1528% | 781 |
| Net operating income to assets | -0.2147% | 4,726 |
| Return on assets (ROA) | -0.2147% | 4,730 |
| Pretax return on assets | -0.1207% | 4,715 |
| Return on Equity (ROE) | -1.9318% | 4,731 |
| Retained earnings to average equity (ytd only) | -1.9318% | 4,622 |
| Net charge-offs to loans | -0.0173% | 3,926 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7776% | 162 |
| Assets per employee ($millions) | 6.7910% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3403% | 4,709 |
| Loan loss allowance to noncurrent loans | 136.4865% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 3,165 |
| Noncurrent loans to loans | 0.2493% | 2,730 |
| Net loans and leases to total assets | 43.5528% | 3,862 |
| Net loans and leases to deposits | 49.9342% | 3,887 |
| Net loans and leases to core deposits | 58.1900% | 3,458 |
| Total domestic deposits to total assets | 87.2205% | 2,424 |
| Equity capital to assets | 12.2781% | 1,144 |
| Core capital (leverage) ratio | 9.3485% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,875,200 | 3,673 |
| Average earning assets | $112,850,000 | 3,779 |
| Average equity | $14,545,800 | 3,685 |
| Average total loans | $57,880,400 | 3,851 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0704% | 3,867 |
| Cost of funding earning assets | 0.3185% | 2,415 |
| Net interest margin | 2.7519% | 3,880 |
| Noninterest income to average assets | 0.2890% | 3,725 |
| Noninterest expense to average assets | 2.7398% | 1,485 |
| Loan and lease loss provision to assets | 0.2060% | 492 |
| Net operating income to assets | -0.2839% | 4,805 |
| Return on assets (ROA) | -0.2839% | 4,815 |
| Pretax return on assets | -0.2839% | 4,814 |
| Return on Equity (ROE) | -2.6260% | 4,814 |
| Retained earnings to average equity (ytd only) | -2.6260% | 4,725 |
| Net charge-offs to loans | -0.0209% | 3,982 |
| Credit loss provision to net charge-offs | -2,222.2222% | 4,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9366% | 134 |
| Assets per employee ($millions) | 6.9335% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3586% | 4,788 |
| Loan loss allowance to noncurrent loans | 132.2368% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 3,376 |
| Noncurrent loans to loans | 0.2712% | 2,832 |
| Net loans and leases to total assets | 40.2733% | 4,197 |
| Net loans and leases to deposits | 45.9949% | 4,228 |
| Net loans and leases to core deposits | 53.9861% | 3,924 |
| Total domestic deposits to total assets | 87.5604% | 2,083 |
| Equity capital to assets | 11.9903% | 1,407 |
| Core capital (leverage) ratio | 9.1641% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,639,250 | 3,717 |
| Average earning assets | $111,773,250 | 3,835 |
| Average equity | $14,013,250 | 3,788 |
| Average total loans | $57,511,750 | 3,916 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2578% | 3,542 |
| Cost of funding earning assets | 0.3954% | 1,923 |
| Net interest margin | 2.8624% | 3,651 |
| Noninterest income to average assets | 0.2669% | 3,803 |
| Noninterest expense to average assets | 2.0011% | 3,696 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6365% | 3,904 |
| Return on assets (ROA) | 0.6365% | 3,965 |
| Pretax return on assets | 0.7471% | 3,979 |
| Return on Equity (ROE) | 6.1330% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.1330% | 2,750 |
| Net charge-offs to loans | -0.0276% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8161% | 1,353 |
| Assets per employee ($millions) | 6.4286% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 2,536 |
| Loan loss allowance to noncurrent loans | 476.7296% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 3,274 |
| Noncurrent loans to loans | 0.2686% | 2,977 |
| Net loans and leases to total assets | 45.4543% | 3,941 |
| Net loans and leases to deposits | 50.9632% | 4,049 |
| Net loans and leases to core deposits | 53.1843% | 4,070 |
| Total domestic deposits to total assets | 89.1904% | 1,188 |
| Equity capital to assets | 10.3748% | 2,514 |
| Core capital (leverage) ratio | 9.7974% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7162% | 855 |
| Memoranda: | ||
| Average total assets | $126,629,000 | 3,769 |
| Average earning assets | $109,768,667 | 3,876 |
| Average equity | $13,142,000 | 3,879 |
| Average total loans | $57,999,667 | 3,930 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2914% | 3,467 |
| Cost of funding earning assets | 0.4216% | 1,926 |
| Net interest margin | 2.8698% | 3,594 |
| Noninterest income to average assets | 0.2610% | 3,834 |
| Noninterest expense to average assets | 2.0436% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6080% | 3,921 |
| Return on assets (ROA) | 0.6080% | 3,985 |
| Pretax return on assets | 0.6876% | 4,042 |
| Return on Equity (ROE) | 5.8573% | 3,893 |
| Retained earnings to average equity (ytd only) | 5.8573% | 2,939 |
| Net charge-offs to loans | -0.0418% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8252% | 1,237 |
| Assets per employee ($millions) | 6.5377% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 2,386 |
| Loan loss allowance to noncurrent loans | 192.1320% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 2,527 |
| Noncurrent loans to loans | 0.6832% | 1,877 |
| Net loans and leases to total assets | 43.5298% | 4,145 |
| Net loans and leases to deposits | 48.5458% | 4,240 |
| Net loans and leases to core deposits | 56.5112% | 3,940 |
| Total domestic deposits to total assets | 89.6676% | 985 |
| Equity capital to assets | 9.9102% | 2,789 |
| Core capital (leverage) ratio | 10.1659% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7702% | 819 |
| Memoranda: | ||
| Average total assets | $125,658,000 | 3,790 |
| Average earning assets | $108,161,000 | 3,898 |
| Average equity | $13,043,500 | 3,900 |
| Average total loans | $57,400,000 | 3,956 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5703% | 3,877 |
| Cost of funding earning assets | 0.5923% | 2,369 |
| Net interest margin | 2.9780% | 3,940 |
| Noninterest income to average assets | 0.3219% | 3,534 |
| Noninterest expense to average assets | 2.1746% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5957% | 3,769 |
| Return on assets (ROA) | 0.6199% | 3,804 |
| Pretax return on assets | 0.7249% | 3,825 |
| Return on Equity (ROE) | 5.6235% | 3,699 |
| Retained earnings to average equity (ytd only) | 4.1116% | 2,755 |
| Net charge-offs to loans | -0.0390% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7371% | 1,262 |
| Assets per employee ($millions) | 6.0281% | 2,315 |
| Cash dividends to net income (ytd only)* | 26.8848% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 2,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,273 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 46.7602% | 4,074 |
| Net loans and leases to deposits | 52.8212% | 4,178 |
| Net loans and leases to core deposits | 63.4761% | 3,734 |
| Total domestic deposits to total assets | 88.5254% | 1,212 |
| Equity capital to assets | 10.8898% | 2,353 |
| Core capital (leverage) ratio | 10.3897% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1299% | 885 |
| Memoranda: | ||
| Average total assets | $113,397,600 | 3,836 |
| Average earning assets | $97,079,800 | 3,921 |
| Average equity | $12,501,200 | 3,919 |
| Average total loans | $58,959,200 | 3,940 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 3,695 |
| Cost of funding earning assets | 0.6220% | 2,480 |
| Net interest margin | 3.1213% | 3,687 |
| Noninterest income to average assets | 0.2951% | 3,717 |
| Noninterest expense to average assets | 2.1981% | 3,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6548% | 3,610 |
| Return on assets (ROA) | 0.6869% | 3,603 |
| Pretax return on assets | 0.8207% | 3,593 |
| Return on Equity (ROE) | 6.2106% | 3,476 |
| Retained earnings to average equity (ytd only) | 6.2106% | 2,015 |
| Net charge-offs to loans | -0.0583% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7475% | 1,432 |
| Assets per employee ($millions) | 5.9225% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 4,328 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 48.2246% | 4,204 |
| Net loans and leases to deposits | 54.5489% | 4,316 |
| Net loans and leases to core deposits | 67.7580% | 3,766 |
| Total domestic deposits to total assets | 88.4061% | 1,012 |
| Equity capital to assets | 11.0266% | 2,379 |
| Core capital (leverage) ratio | 10.7789% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0282% | 910 |
| Memoranda: | ||
| Average total assets | $111,606,500 | 3,856 |
| Average earning assets | $96,026,750 | 3,936 |
| Average equity | $12,344,250 | 3,944 |
| Average total loans | $59,417,500 | 3,953 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8340% | 3,777 |
| Cost of funding earning assets | 0.6580% | 2,640 |
| Net interest margin | 3.1760% | 3,730 |
| Noninterest income to average assets | 0.3147% | 3,579 |
| Noninterest expense to average assets | 2.1861% | 3,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7720% | 3,150 |
| Return on assets (ROA) | 0.7720% | 3,264 |
| Pretax return on assets | 0.9367% | 3,212 |
| Return on Equity (ROE) | 6.9721% | 3,142 |
| Retained earnings to average equity (ytd only) | 6.9721% | 1,672 |
| Net charge-offs to loans | -0.0801% | 4,805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0059% | 1,957 |
| Assets per employee ($millions) | 5.7815% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 4,412 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 50.7671% | 4,118 |
| Net loans and leases to deposits | 57.5318% | 4,243 |
| Net loans and leases to core deposits | 62.1712% | 4,171 |
| Total domestic deposits to total assets | 88.2418% | 1,067 |
| Equity capital to assets | 11.1511% | 2,210 |
| Core capital (leverage) ratio | 11.1206% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2759% | 870 |
| Memoranda: | ||
| Average total assets | $109,325,333 | 3,875 |
| Average earning assets | $96,662,333 | 3,930 |
| Average equity | $12,105,333 | 3,973 |
| Average total loans | $59,931,667 | 3,949 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 3,633 |
| Cost of funding earning assets | 0.7838% | 2,484 |
| Net interest margin | 3.2729% | 3,659 |
| Noninterest income to average assets | 0.3278% | 3,564 |
| Noninterest expense to average assets | 2.4262% | 3,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6442% | 3,463 |
| Return on assets (ROA) | 0.6442% | 3,525 |
| Pretax return on assets | 0.7648% | 3,507 |
| Return on Equity (ROE) | 5.8407% | 3,373 |
| Retained earnings to average equity (ytd only) | 5.8407% | 1,939 |
| Net charge-offs to loans | -0.0731% | 4,746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0331% | 1,560 |
| Assets per employee ($millions) | 5.0619% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 2,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 4,471 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 54.0771% | 3,985 |
| Net loans and leases to deposits | 60.8509% | 4,166 |
| Net loans and leases to core deposits | 66.4993% | 4,053 |
| Total domestic deposits to total assets | 88.8683% | 721 |
| Equity capital to assets | 10.7639% | 3,084 |
| Core capital (leverage) ratio | 11.3776% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3439% | 938 |
| Memoranda: | ||
| Average total assets | $106,173,000 | 3,900 |
| Average earning assets | $92,884,500 | 3,989 |
| Average equity | $11,711,000 | 4,032 |
| Average total loans | $60,171,000 | 3,952 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 3,963 |
| Cost of funding earning assets | 0.8811% | 2,281 |
| Net interest margin | 3.2543% | 4,074 |
| Noninterest income to average assets | 0.4308% | 3,104 |
| Noninterest expense to average assets | 2.4110% | 3,658 |
| Loan and lease loss provision to assets | 0.0470% | 3,085 |
| Net operating income to assets | 0.7579% | 3,680 |
| Return on assets (ROA) | 0.8328% | 3,534 |
| Pretax return on assets | 1.0006% | 3,462 |
| Return on Equity (ROE) | 7.5419% | 3,349 |
| Retained earnings to average equity (ytd only) | 5.8997% | 1,923 |
| Net charge-offs to loans | 0.0325% | 2,737 |
| Credit loss provision to net charge-offs | 233.3333% | 1,150 |
| Earnings coverage of net charge-offs (x) | 47.5238% | 1,165 |
| Efficiency ratio | 71.5750% | 1,934 |
| Assets per employee ($millions) | 5.0498% | 2,526 |
| Cash dividends to net income (ytd only)* | 21.7742% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 4,495 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 57.8928% | 3,776 |
| Net loans and leases to deposits | 65.5922% | 3,976 |
| Net loans and leases to core deposits | 71.3847% | 3,887 |
| Total domestic deposits to total assets | 88.2617% | 998 |
| Equity capital to assets | 11.2970% | 2,711 |
| Core capital (leverage) ratio | 11.1848% | 2,351 |
| Tier 1 risk-based capital ratio | 17.1104% | 2,022 |
| Total risk-based capital ratio | 18.1522% | 2,029 |
| Memoranda: | ||
| Average total assets | $104,232,600 | 3,933 |
| Average earning assets | $94,090,200 | 3,967 |
| Average equity | $11,509,000 | 4,055 |
| Average total loans | $64,609,600 | 3,891 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1291% | 4,090 |
| Cost of funding earning assets | 0.8824% | 2,310 |
| Net interest margin | 3.2467% | 4,193 |
| Noninterest income to average assets | 0.5088% | 2,673 |
| Noninterest expense to average assets | 2.4346% | 3,600 |
| Loan and lease loss provision to assets | 0.0630% | 2,631 |
| Net operating income to assets | 0.8201% | 3,604 |
| Return on assets (ROA) | 0.8736% | 3,518 |
| Pretax return on assets | 1.0239% | 3,511 |
| Return on Equity (ROE) | 7.9591% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.9591% | 1,418 |
| Net charge-offs to loans | 0.0470% | 2,162 |
| Credit loss provision to net charge-offs | 213.0435% | 1,248 |
| Earnings coverage of net charge-offs (x) | 34.6475% | 1,490 |
| Efficiency ratio | 70.3938% | 2,063 |
| Assets per employee ($millions) | 5.0404% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 2,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 4,004 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 58.9689% | 3,771 |
| Net loans and leases to deposits | 66.9312% | 3,999 |
| Net loans and leases to core deposits | 72.8527% | 3,898 |
| Total domestic deposits to total assets | 88.1038% | 996 |
| Equity capital to assets | 11.4115% | 2,726 |
| Core capital (leverage) ratio | 11.4705% | 2,243 |
| Tier 1 risk-based capital ratio | 17.1571% | 2,035 |
| Total risk-based capital ratio | 18.2004% | 2,046 |
| Memoranda: | ||
| Average total assets | $103,779,250 | 3,980 |
| Average earning assets | $94,287,750 | 4,008 |
| Average equity | $11,391,250 | 4,109 |
| Average total loans | $65,232,000 | 3,926 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 4,165 |
| Cost of funding earning assets | 0.8649% | 2,325 |
| Net interest margin | 3.2337% | 4,282 |
| Noninterest income to average assets | 0.5549% | 2,365 |
| Noninterest expense to average assets | 2.4716% | 3,568 |
| Loan and lease loss provision to assets | 0.0660% | 2,500 |
| Net operating income to assets | 0.8417% | 3,506 |
| Return on assets (ROA) | 0.8788% | 3,431 |
| Pretax return on assets | 1.0050% | 3,525 |
| Return on Equity (ROE) | 8.1168% | 3,238 |
| Retained earnings to average equity (ytd only) | 8.1168% | 1,343 |
| Net charge-offs to loans | 0.0728% | 1,639 |
| Credit loss provision to net charge-offs | 141.6667% | 1,552 |
| Earnings coverage of net charge-offs (x) | 22.0833% | 1,707 |
| Efficiency ratio | 70.6208% | 2,133 |
| Assets per employee ($millions) | 4.9315% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,207 |
| Loan loss allowance to noncurrent loans | 688.3495% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 4,005 |
| Noncurrent loans to loans | 0.1564% | 3,979 |
| Net loans and leases to total assets | 62.9204% | 3,458 |
| Net loans and leases to deposits | 71.3741% | 3,732 |
| Net loans and leases to core deposits | 77.4979% | 3,614 |
| Total domestic deposits to total assets | 88.1558% | 1,027 |
| Equity capital to assets | 11.3807% | 2,724 |
| Core capital (leverage) ratio | 11.3894% | 2,257 |
| Tier 1 risk-based capital ratio | 16.2701% | 2,305 |
| Total risk-based capital ratio | 17.2549% | 2,353 |
| Memoranda: | ||
| Average total assets | $103,089,330 | 4,015 |
| Average earning assets | $93,885,330 | 4,039 |
| Average equity | $11,162,000 | 4,147 |
| Average total loans | $65,928,000 | 3,926 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 4,298 |
| Cost of funding earning assets | 0.8618% | 2,199 |
| Net interest margin | 3.1701% | 4,459 |
| Noninterest income to average assets | 0.4045% | 3,153 |
| Noninterest expense to average assets | 2.4890% | 3,541 |
| Loan and lease loss provision to assets | 0.0778% | 2,127 |
| Net operating income to assets | 0.6226% | 4,173 |
| Return on assets (ROA) | 0.6961% | 3,989 |
| Pretax return on assets | 0.8128% | 4,010 |
| Return on Equity (ROE) | 6.5991% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.5991% | 2,201 |
| Net charge-offs to loans | -0.0182% | 4,450 |
| Credit loss provision to net charge-offs | -666.6667% | 3,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5608% | 1,550 |
| Assets per employee ($millions) | 4.9226% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 3,136 |
| Loan loss allowance to noncurrent loans | 469.4805% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 3,913 |
| Noncurrent loans to loans | 0.2340% | 3,737 |
| Net loans and leases to total assets | 62.9568% | 3,406 |
| Net loans and leases to deposits | 71.1167% | 3,677 |
| Net loans and leases to core deposits | 79.2202% | 3,430 |
| Total domestic deposits to total assets | 88.5261% | 1,076 |
| Equity capital to assets | 10.7309% | 3,131 |
| Core capital (leverage) ratio | 11.1538% | 2,425 |
| Tier 1 risk-based capital ratio | 15.8354% | 2,514 |
| Total risk-based capital ratio | 16.8362% | 2,538 |
| Memoranda: | ||
| Average total assets | $102,853,500 | 4,055 |
| Average earning assets | $93,752,000 | 4,078 |
| Average equity | $10,850,000 | 4,219 |
| Average total loans | $65,957,000 | 3,967 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 3,995 |
| Cost of funding earning assets | 0.6689% | 2,273 |
| Net interest margin | 3.3434% | 4,144 |
| Noninterest income to average assets | 0.4024% | 3,422 |
| Noninterest expense to average assets | 2.4045% | 3,866 |
| Loan and lease loss provision to assets | 0.1068% | 2,062 |
| Net operating income to assets | 0.7471% | 3,977 |
| Return on assets (ROA) | 0.7247% | 4,063 |
| Pretax return on assets | 0.8977% | 3,902 |
| Return on Equity (ROE) | 7.1345% | 3,780 |
| Retained earnings to average equity (ytd only) | 5.4215% | 2,522 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9655% | 2,191 |
| Assets per employee ($millions) | 4.8730% | 2,649 |
| Cash dividends to net income (ytd only)* | 24.0109% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,326 |
| Loan loss allowance to noncurrent loans | 476.1905% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 3,931 |
| Noncurrent loans to loans | 0.2224% | 3,782 |
| Net loans and leases to total assets | 63.9188% | 3,369 |
| Net loans and leases to deposits | 73.3460% | 3,557 |
| Net loans and leases to core deposits | 79.1774% | 3,486 |
| Total domestic deposits to total assets | 87.1469% | 1,706 |
| Equity capital to assets | 10.3652% | 3,313 |
| Core capital (leverage) ratio | 10.8091% | 2,731 |
| Tier 1 risk-based capital ratio | 15.6893% | 2,539 |
| Total risk-based capital ratio | 16.6646% | 2,577 |
| Memoranda: | ||
| Average total assets | $101,141,800 | 4,084 |
| Average earning assets | $91,793,200 | 4,114 |
| Average equity | $10,274,000 | 4,270 |
| Average total loans | $63,061,600 | 4,024 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9507% | 4,078 |
| Cost of funding earning assets | 0.6098% | 2,407 |
| Net interest margin | 3.3408% | 4,184 |
| Noninterest income to average assets | 0.4085% | 3,431 |
| Noninterest expense to average assets | 2.3957% | 3,866 |
| Loan and lease loss provision to assets | 0.1150% | 1,760 |
| Net operating income to assets | 0.7575% | 4,053 |
| Return on assets (ROA) | 0.7272% | 4,155 |
| Pretax return on assets | 0.8885% | 4,062 |
| Return on Equity (ROE) | 7.1959% | 3,862 |
| Retained earnings to average equity (ytd only) | 7.1959% | 2,030 |
| Net charge-offs to loans | -0.0685% | 5,046 |
| Credit loss provision to net charge-offs | -271.8750% | 4,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7191% | 2,243 |
| Assets per employee ($millions) | 4.9507% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,426 |
| Loan loss allowance to noncurrent loans | 683.6538% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 4,307 |
| Noncurrent loans to loans | 0.1546% | 4,182 |
| Net loans and leases to total assets | 64.0062% | 3,423 |
| Net loans and leases to deposits | 75.2632% | 3,484 |
| Net loans and leases to core deposits | 81.4392% | 3,369 |
| Total domestic deposits to total assets | 85.0430% | 2,590 |
| Equity capital to assets | 9.9832% | 3,665 |
| Core capital (leverage) ratio | 11.0265% | 2,555 |
| Tier 1 risk-based capital ratio | 15.2601% | 2,756 |
| Total risk-based capital ratio | 16.2242% | 2,816 |
| Memoranda: | ||
| Average total assets | $100,844,000 | 4,129 |
| Average earning assets | $91,391,750 | 4,157 |
| Average equity | $10,190,750 | 4,320 |
| Average total loans | $62,299,500 | 4,077 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 4,154 |
| Cost of funding earning assets | 0.5540% | 2,577 |
| Net interest margin | 3.3174% | 4,200 |
| Noninterest income to average assets | 0.3627% | 3,734 |
| Noninterest expense to average assets | 2.4107% | 3,869 |
| Loan and lease loss provision to assets | 0.1162% | 1,709 |
| Net operating income to assets | 0.7084% | 4,171 |
| Return on assets (ROA) | 0.6613% | 4,320 |
| Pretax return on assets | 0.7916% | 4,272 |
| Return on Equity (ROE) | 6.5166% | 4,057 |
| Retained earnings to average equity (ytd only) | 6.5166% | 2,306 |
| Net charge-offs to loans | -0.0989% | 5,155 |
| Credit loss provision to net charge-offs | -193.3333% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4371% | 2,095 |
| Assets per employee ($millions) | 4.9914% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,702 |
| Loan loss allowance to noncurrent loans | 642.4528% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 4,222 |
| Noncurrent loans to loans | 0.1592% | 4,193 |
| Net loans and leases to total assets | 62.8725% | 3,518 |
| Net loans and leases to deposits | 71.7476% | 3,731 |
| Net loans and leases to core deposits | 77.3827% | 3,626 |
| Total domestic deposits to total assets | 87.6302% | 1,575 |
| Equity capital to assets | 9.8168% | 3,808 |
| Core capital (leverage) ratio | 11.0218% | 2,505 |
| Tier 1 risk-based capital ratio | 15.0523% | 2,850 |
| Total risk-based capital ratio | 15.9812% | 2,932 |
| Memoranda: | ||
| Average total assets | $99,803,670 | 4,177 |
| Average earning assets | $90,614,330 | 4,215 |
| Average equity | $10,128,000 | 4,365 |
| Average total loans | $60,647,670 | 4,148 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 4,254 |
| Cost of funding earning assets | 0.5210% | 2,623 |
| Net interest margin | 3.2665% | 4,275 |
| Noninterest income to average assets | 0.3782% | 3,601 |
| Noninterest expense to average assets | 2.4667% | 3,750 |
| Loan and lease loss provision to assets | 0.0247% | 3,199 |
| Net operating income to assets | 0.7180% | 4,039 |
| Return on assets (ROA) | 0.7318% | 3,985 |
| Pretax return on assets | 0.8675% | 3,959 |
| Return on Equity (ROE) | 7.0867% | 3,758 |
| Retained earnings to average equity (ytd only) | 7.0867% | 2,246 |
| Net charge-offs to loans | -0.1248% | 5,278 |
| Credit loss provision to net charge-offs | -33.3333% | 3,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8007% | 1,925 |
| Assets per employee ($millions) | 4.5871% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,751 |
| Loan loss allowance to noncurrent loans | 327.6596% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 3,631 |
| Noncurrent loans to loans | 0.3161% | 3,634 |
| Net loans and leases to total assets | 61.0938% | 3,637 |
| Net loans and leases to deposits | 69.0837% | 3,866 |
| Net loans and leases to core deposits | 79.3986% | 3,372 |
| Total domestic deposits to total assets | 88.4344% | 1,388 |
| Equity capital to assets | 10.3178% | 3,258 |
| Core capital (leverage) ratio | 11.0970% | 2,334 |
| Tier 1 risk-based capital ratio | 16.0057% | 2,471 |
| Total risk-based capital ratio | 16.9279% | 2,547 |
| Memoranda: | ||
| Average total assets | $97,295,500 | 4,261 |
| Average earning assets | $88,291,500 | 4,293 |
| Average equity | $10,047,000 | 4,420 |
| Average total loans | $57,679,500 | 4,256 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 3,914 |
| Cost of funding earning assets | 0.5038% | 2,295 |
| Net interest margin | 3.3354% | 4,054 |
| Noninterest income to average assets | 0.4487% | 3,316 |
| Noninterest expense to average assets | 2.4830% | 3,842 |
| Loan and lease loss provision to assets | 0.0750% | 2,701 |
| Net operating income to assets | 0.6184% | 3,934 |
| Return on assets (ROA) | 0.6184% | 3,975 |
| Pretax return on assets | 0.8474% | 4,102 |
| Return on Equity (ROE) | 5.9400% | 3,789 |
| Retained earnings to average equity (ytd only) | 4.3200% | 2,560 |
| Net charge-offs to loans | 0.1222% | 1,827 |
| Credit loss provision to net charge-offs | 109.0909% | 2,387 |
| Earnings coverage of net charge-offs (x) | 13.4242% | 2,396 |
| Efficiency ratio | 72.9135% | 2,078 |
| Assets per employee ($millions) | 4.6791% | 2,901 |
| Cash dividends to net income (ytd only)* | 27.2727% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 3,565 |
| Loan loss allowance to noncurrent loans | 216.0584% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 3,655 |
| Noncurrent loans to loans | 0.4902% | 3,049 |
| Net loans and leases to total assets | 56.2781% | 4,161 |
| Net loans and leases to deposits | 63.7817% | 4,329 |
| Net loans and leases to core deposits | 74.3469% | 3,854 |
| Total domestic deposits to total assets | 88.2355% | 1,382 |
| Equity capital to assets | 10.3346% | 3,346 |
| Core capital (leverage) ratio | 10.5213% | 2,826 |
| Tier 1 risk-based capital ratio | 16.3761% | 2,310 |
| Total risk-based capital ratio | 17.3033% | 2,353 |
| Memoranda: | ||
| Average total assets | $96,054,200 | 4,313 |
| Average earning assets | $85,147,800 | 4,376 |
| Average equity | $10,000,000 | 4,446 |
| Average total loans | $54,028,400 | 4,362 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7905% | 4,043 |
| Cost of funding earning assets | 0.4933% | 2,324 |
| Net interest margin | 3.2972% | 4,179 |
| Noninterest income to average assets | 0.4635% | 3,254 |
| Noninterest expense to average assets | 2.5172% | 3,671 |
| Loan and lease loss provision to assets | 0.0838% | 2,418 |
| Net operating income to assets | 0.6456% | 4,209 |
| Return on assets (ROA) | 0.6422% | 4,275 |
| Pretax return on assets | 0.7790% | 4,406 |
| Return on Equity (ROE) | 6.1571% | 4,051 |
| Retained earnings to average equity (ytd only) | 6.1571% | 2,140 |
| Net charge-offs to loans | 0.0448% | 2,542 |
| Credit loss provision to net charge-offs | 333.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 34.4992% | 1,438 |
| Efficiency ratio | 74.3812% | 1,834 |
| Assets per employee ($millions) | 4.7298% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 3,120 |
| Loan loss allowance to noncurrent loans | 103.4653% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 2,592 |
| Noncurrent loans to loans | 1.1258% | 1,712 |
| Net loans and leases to total assets | 53.5615% | 4,448 |
| Net loans and leases to deposits | 60.6392% | 4,605 |
| Net loans and leases to core deposits | 71.8336% | 4,146 |
| Total domestic deposits to total assets | 88.3282% | 1,202 |
| Equity capital to assets | 10.4435% | 3,427 |
| Core capital (leverage) ratio | 10.8581% | 2,588 |
| Tier 1 risk-based capital ratio | 16.8838% | 2,187 |
| Total risk-based capital ratio | 17.8934% | 2,225 |
| Memoranda: | ||
| Average total assets | $95,502,250 | 4,362 |
| Average earning assets | $84,595,000 | 4,428 |
| Average equity | $9,961,250 | 4,499 |
| Average total loans | $53,562,500 | 4,416 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7477% | 4,082 |
| Cost of funding earning assets | 0.4750% | 2,376 |
| Net interest margin | 3.2727% | 4,200 |
| Noninterest income to average assets | 0.3693% | 3,912 |
| Noninterest expense to average assets | 2.5300% | 3,659 |
| Loan and lease loss provision to assets | 0.1146% | 1,795 |
| Net operating income to assets | 0.5426% | 4,557 |
| Return on assets (ROA) | 0.5497% | 4,563 |
| Pretax return on assets | 0.6580% | 4,664 |
| Return on Equity (ROE) | 5.2728% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.2728% | 2,533 |
| Net charge-offs to loans | 0.0374% | 2,452 |
| Credit loss provision to net charge-offs | 540.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,342 |
| Efficiency ratio | 76.8041% | 1,607 |
| Assets per employee ($millions) | 4.6231% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 3,231 |
| Loan loss allowance to noncurrent loans | 75.2688% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9250% | 1,902 |
| Noncurrent loans to loans | 1.5451% | 1,206 |
| Net loans and leases to total assets | 55.1501% | 4,298 |
| Net loans and leases to deposits | 62.4357% | 4,472 |
| Net loans and leases to core deposits | 66.4998% | 4,438 |
| Total domestic deposits to total assets | 88.3310% | 1,286 |
| Equity capital to assets | 10.5154% | 3,319 |
| Core capital (leverage) ratio | 10.7769% | 2,627 |
| Tier 1 risk-based capital ratio | 16.7754% | 2,211 |
| Total risk-based capital ratio | 17.8031% | 2,252 |
| Memoranda: | ||
| Average total assets | $94,228,000 | 4,410 |
| Average earning assets | $84,212,670 | 4,459 |
| Average equity | $9,824,000 | 4,537 |
| Average total loans | $53,474,330 | 4,437 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8278% | 3,660 |
| Cost of funding earning assets | 0.4688% | 2,354 |
| Net interest margin | 3.3590% | 3,802 |
| Noninterest income to average assets | 0.3362% | 4,156 |
| Noninterest expense to average assets | 2.4397% | 4,002 |
| Loan and lease loss provision to assets | 0.0862% | 2,093 |
| Net operating income to assets | 0.6638% | 3,862 |
| Return on assets (ROA) | 0.6638% | 3,902 |
| Pretax return on assets | 0.8060% | 4,090 |
| Return on Equity (ROE) | 6.3957% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.3957% | 2,135 |
| Net charge-offs to loans | -0.0151% | 4,594 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2212% | 2,371 |
| Assets per employee ($millions) | 4.6756% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 3,350 |
| Loan loss allowance to noncurrent loans | 167.2176% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 3,507 |
| Noncurrent loans to loans | 0.6952% | 2,762 |
| Net loans and leases to total assets | 55.1918% | 4,239 |
| Net loans and leases to deposits | 62.6248% | 4,395 |
| Net loans and leases to core deposits | 70.1961% | 4,137 |
| Total domestic deposits to total assets | 88.1309% | 1,639 |
| Equity capital to assets | 10.4158% | 3,276 |
| Core capital (leverage) ratio | 10.8690% | 2,520 |
| Tier 1 risk-based capital ratio | 17.4104% | 2,061 |
| Total risk-based capital ratio | 18.4501% | 2,067 |
| Memoranda: | ||
| Average total assets | $92,799,000 | 4,483 |
| Average earning assets | $82,763,500 | 4,529 |
| Average equity | $9,631,500 | 4,599 |
| Average total loans | $53,125,000 | 4,482 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9358% | 3,438 |
| Cost of funding earning assets | 0.4627% | 2,421 |
| Net interest margin | 3.4731% | 3,534 |
| Noninterest income to average assets | 0.4401% | 3,618 |
| Noninterest expense to average assets | 2.5350% | 3,899 |
| Loan and lease loss provision to assets | 0.1720% | 1,412 |
| Net operating income to assets | 0.7087% | 3,742 |
| Return on assets (ROA) | 0.5651% | 4,469 |
| Pretax return on assets | 0.7051% | 4,469 |
| Return on Equity (ROE) | 5.0461% | 4,415 |
| Retained earnings to average equity (ytd only) | 4.0636% | 3,026 |
| Net charge-offs to loans | 0.4841% | 509 |
| Credit loss provision to net charge-offs | 60.0746% | 3,245 |
| Earnings coverage of net charge-offs (x) | 3.6903% | 3,619 |
| Efficiency ratio | 70.5830% | 2,816 |
| Assets per employee ($millions) | 4.8466% | 2,579 |
| Cash dividends to net income (ytd only)* | 19.4707% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,798 |
| Loan loss allowance to noncurrent loans | 158.8076% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 3,456 |
| Noncurrent loans to loans | 0.6831% | 2,825 |
| Net loans and leases to total assets | 58.0218% | 4,067 |
| Net loans and leases to deposits | 65.6437% | 4,274 |
| Net loans and leases to core deposits | 75.3320% | 3,811 |
| Total domestic deposits to total assets | 88.3891% | 1,443 |
| Equity capital to assets | 10.3414% | 3,338 |
| Core capital (leverage) ratio | 10.2352% | 3,186 |
| Tier 1 risk-based capital ratio | 16.5272% | 2,339 |
| Total risk-based capital ratio | 17.5260% | 2,373 |
| Memoranda: | ||
| Average total assets | $93,608,600 | 4,478 |
| Average earning assets | $84,938,600 | 4,498 |
| Average equity | $10,483,400 | 4,495 |
| Average total loans | $55,356,800 | 4,422 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 3,477 |
| Cost of funding earning assets | 0.4552% | 2,504 |
| Net interest margin | 3.4796% | 3,540 |
| Noninterest income to average assets | 0.4171% | 3,800 |
| Noninterest expense to average assets | 2.4683% | 4,076 |
| Loan and lease loss provision to assets | 0.1716% | 1,320 |
| Net operating income to assets | 0.6931% | 3,888 |
| Return on assets (ROA) | 0.8029% | 3,493 |
| Pretax return on assets | 1.0937% | 3,257 |
| Return on Equity (ROE) | 7.0373% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.0373% | 1,614 |
| Net charge-offs to loans | 0.6320% | 324 |
| Credit loss provision to net charge-offs | 45.8333% | 3,087 |
| Earnings coverage of net charge-offs (x) | 2.9773% | 3,488 |
| Efficiency ratio | 68.8836% | 3,065 |
| Assets per employee ($millions) | 5.0038% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 4,392 |
| Loan loss allowance to noncurrent loans | 191.6376% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 4,070 |
| Noncurrent loans to loans | 0.5229% | 3,428 |
| Net loans and leases to total assets | 57.1493% | 4,181 |
| Net loans and leases to deposits | 66.2541% | 4,316 |
| Net loans and leases to core deposits | 77.4603% | 3,709 |
| Total domestic deposits to total assets | 86.2578% | 2,235 |
| Equity capital to assets | 11.5891% | 2,441 |
| Core capital (leverage) ratio | 11.3766% | 2,129 |
| Tier 1 risk-based capital ratio | 17.6467% | 2,028 |
| Total risk-based capital ratio | 18.5551% | 2,088 |
| Memoranda: | ||
| Average total assets | $93,989,250 | 4,506 |
| Average earning assets | $85,525,750 | 4,519 |
| Average equity | $10,723,500 | 4,503 |
| Average total loans | $55,692,000 | 4,449 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 3,292 |
| Cost of funding earning assets | 0.4508% | 2,558 |
| Net interest margin | 3.5339% | 3,352 |
| Noninterest income to average assets | 0.3717% | 4,090 |
| Noninterest expense to average assets | 2.4992% | 4,029 |
| Loan and lease loss provision to assets | 0.0641% | 2,863 |
| Net operating income to assets | 0.7485% | 3,553 |
| Return on assets (ROA) | 0.8779% | 3,089 |
| Pretax return on assets | 1.2005% | 2,780 |
| Return on Equity (ROE) | 7.7362% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.7362% | 1,275 |
| Net charge-offs to loans | 0.3359% | 706 |
| Credit loss provision to net charge-offs | 31.9149% | 2,840 |
| Earnings coverage of net charge-offs (x) | 5.4149% | 2,858 |
| Efficiency ratio | 69.6843% | 3,032 |
| Assets per employee ($millions) | 4.6738% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 3,708 |
| Loan loss allowance to noncurrent loans | 172.1311% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 3,823 |
| Noncurrent loans to loans | 0.6632% | 3,080 |
| Net loans and leases to total assets | 58.3679% | 4,082 |
| Net loans and leases to deposits | 67.7419% | 4,202 |
| Net loans and leases to core deposits | 71.1259% | 4,242 |
| Total domestic deposits to total assets | 86.1622% | 2,349 |
| Equity capital to assets | 11.6640% | 2,392 |
| Core capital (leverage) ratio | 11.3443% | 2,104 |
| Tier 1 risk-based capital ratio | 17.3630% | 2,112 |
| Total risk-based capital ratio | 18.3928% | 2,128 |
| Memoranda: | ||
| Average total assets | $93,628,330 | 4,543 |
| Average earning assets | $85,174,670 | 4,559 |
| Average equity | $10,625,330 | 4,546 |
| Average total loans | $55,961,670 | 4,472 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 3,075 |
| Cost of funding earning assets | 0.4607% | 2,457 |
| Net interest margin | 3.5775% | 3,176 |
| Noninterest income to average assets | 0.3671% | 4,097 |
| Noninterest expense to average assets | 2.4631% | 4,191 |
| Loan and lease loss provision to assets | 0.0726% | 2,508 |
| Net operating income to assets | 0.8018% | 3,240 |
| Return on assets (ROA) | 0.9092% | 2,827 |
| Pretax return on assets | 1.2251% | 2,600 |
| Return on Equity (ROE) | 8.1247% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.1247% | 1,405 |
| Net charge-offs to loans | 0.7028% | 302 |
| Credit loss provision to net charge-offs | 17.1717% | 2,316 |
| Earnings coverage of net charge-offs (x) | 2.7273% | 2,643 |
| Efficiency ratio | 68.1228% | 3,447 |
| Assets per employee ($millions) | 4.7098% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 4,119 |
| Loan loss allowance to noncurrent loans | 163.8070% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 3,887 |
| Noncurrent loans to loans | 0.6643% | 3,180 |
| Net loans and leases to total assets | 58.9622% | 3,924 |
| Net loans and leases to deposits | 69.5406% | 3,895 |
| Net loans and leases to core deposits | 77.5948% | 3,532 |
| Total domestic deposits to total assets | 84.7881% | 3,211 |
| Equity capital to assets | 11.2595% | 2,667 |
| Core capital (leverage) ratio | 11.2120% | 2,216 |
| Tier 1 risk-based capital ratio | 16.7964% | 2,364 |
| Total risk-based capital ratio | 17.7734% | 2,421 |
| Memoranda: | ||
| Average total assets | $93,704,500 | 4,582 |
| Average earning assets | $85,088,000 | 4,595 |
| Average equity | $10,486,500 | 4,585 |
| Average total loans | $56,347,500 | 4,490 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0261% | 3,215 |
| Cost of funding earning assets | 0.4276% | 2,867 |
| Net interest margin | 3.5985% | 3,141 |
| Noninterest income to average assets | 0.3774% | 4,201 |
| Noninterest expense to average assets | 2.5764% | 4,005 |
| Loan and lease loss provision to assets | 0.1769% | 1,283 |
| Net operating income to assets | 0.6675% | 3,962 |
| Return on assets (ROA) | 0.7655% | 3,580 |
| Pretax return on assets | 1.0625% | 3,218 |
| Return on Equity (ROE) | 7.0474% | 3,490 |
| Retained earnings to average equity (ytd only) | 6.0209% | 1,781 |
| Net charge-offs to loans | 0.1401% | 1,947 |
| Credit loss provision to net charge-offs | 214.2857% | 1,325 |
| Earnings coverage of net charge-offs (x) | 13.3636% | 2,376 |
| Efficiency ratio | 70.0175% | 3,226 |
| Assets per employee ($millions) | 4.4387% | 3,141 |
| Cash dividends to net income (ytd only)* | 14.5658% | 3,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 3,318 |
| Loan loss allowance to noncurrent loans | 110.7029% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7016% | 2,947 |
| Noncurrent loans to loans | 1.1071% | 2,124 |
| Net loans and leases to total assets | 59.9176% | 3,850 |
| Net loans and leases to deposits | 69.4051% | 3,984 |
| Net loans and leases to core deposits | 79.1584% | 3,429 |
| Total domestic deposits to total assets | 86.3302% | 2,474 |
| Equity capital to assets | 11.1218% | 2,711 |
| Core capital (leverage) ratio | 11.0594% | 2,339 |
| Tier 1 risk-based capital ratio | 16.3318% | 2,553 |
| Total risk-based capital ratio | 17.4239% | 2,569 |
| Memoranda: | ||
| Average total assets | $93,268,200 | 4,600 |
| Average earning assets | $85,591,400 | 4,597 |
| Average equity | $10,131,400 | 4,640 |
| Average total loans | $54,969,400 | 4,529 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 3,556 |
| Cost of funding earning assets | 0.4160% | 3,055 |
| Net interest margin | 3.5305% | 3,427 |
| Noninterest income to average assets | 0.3773% | 4,233 |
| Noninterest expense to average assets | 2.5513% | 4,042 |
| Loan and lease loss provision to assets | 0.0986% | 2,208 |
| Net operating income to assets | 0.7892% | 3,480 |
| Return on assets (ROA) | 0.8619% | 3,208 |
| Pretax return on assets | 1.0548% | 3,391 |
| Return on Equity (ROE) | 7.9819% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.9819% | 1,247 |
| Net charge-offs to loans | 0.2150% | 1,213 |
| Credit loss provision to net charge-offs | 78.4091% | 2,635 |
| Earnings coverage of net charge-offs (x) | 8.4660% | 2,814 |
| Efficiency ratio | 70.5534% | 3,123 |
| Assets per employee ($millions) | 4.2525% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 4,411 |
| Loan loss allowance to noncurrent loans | 29.8927% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 2.1560% | 901 |
| Noncurrent loans to loans | 3.5557% | 430 |
| Net loans and leases to total assets | 58.2049% | 4,118 |
| Net loans and leases to deposits | 67.9533% | 4,194 |
| Net loans and leases to core deposits | 78.7177% | 3,542 |
| Total domestic deposits to total assets | 85.6543% | 2,712 |
| Equity capital to assets | 11.1102% | 2,893 |
| Core capital (leverage) ratio | 11.1210% | 2,375 |
| Tier 1 risk-based capital ratio | 16.9649% | 2,393 |
| Total risk-based capital ratio | 17.9219% | 2,450 |
| Memoranda: | ||
| Average total assets | $93,282,000 | 4,648 |
| Average earning assets | $85,575,250 | 4,648 |
| Average equity | $10,072,500 | 4,707 |
| Average total loans | $54,575,750 | 4,589 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,500 |
| Cost of funding earning assets | 0.4046% | 3,227 |
| Net interest margin | 3.5430% | 3,321 |
| Noninterest income to average assets | 0.3563% | 4,411 |
| Noninterest expense to average assets | 2.6698% | 3,687 |
| Loan and lease loss provision to assets | 0.0730% | 2,649 |
| Net operating income to assets | 0.7784% | 3,495 |
| Return on assets (ROA) | 0.8112% | 3,428 |
| Pretax return on assets | 0.9014% | 3,948 |
| Return on Equity (ROE) | 7.5863% | 3,270 |
| Retained earnings to average equity (ytd only) | 7.5863% | 1,433 |
| Net charge-offs to loans | -0.0037% | 4,671 |
| Credit loss provision to net charge-offs | -3,400.0000% | 5,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0036% | 2,676 |
| Assets per employee ($millions) | 4.2939% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,947 |
| Loan loss allowance to noncurrent loans | 30.9328% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 2.2558% | 912 |
| Noncurrent loans to loans | 3.7956% | 432 |
| Net loans and leases to total assets | 57.0269% | 4,219 |
| Net loans and leases to deposits | 67.5973% | 4,167 |
| Net loans and leases to core deposits | 73.2042% | 4,025 |
| Total domestic deposits to total assets | 84.3626% | 3,415 |
| Equity capital to assets | 10.6260% | 3,291 |
| Core capital (leverage) ratio | 10.9645% | 2,464 |
| Tier 1 risk-based capital ratio | 16.7100% | 2,520 |
| Total risk-based capital ratio | 17.7642% | 2,551 |
| Memoranda: | ||
| Average total assets | $93,191,330 | 4,700 |
| Average earning assets | $85,520,330 | 4,691 |
| Average equity | $9,965,330 | 4,760 |
| Average total loans | $54,421,670 | 4,630 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 3,219 |
| Cost of funding earning assets | 0.3994% | 3,312 |
| Net interest margin | 3.6044% | 2,981 |
| Noninterest income to average assets | 0.3630% | 4,309 |
| Noninterest expense to average assets | 2.7054% | 3,567 |
| Loan and lease loss provision to assets | 0.0691% | 2,561 |
| Net operating income to assets | 0.8191% | 3,161 |
| Return on assets (ROA) | 0.8860% | 2,939 |
| Pretax return on assets | 0.9767% | 3,573 |
| Return on Equity (ROE) | 8.2586% | 2,824 |
| Retained earnings to average equity (ytd only) | 8.2586% | 1,471 |
| Net charge-offs to loans | -0.0368% | 5,366 |
| Credit loss provision to net charge-offs | -320.0000% | 4,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5605% | 2,890 |
| Assets per employee ($millions) | 4.2026% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 4,279 |
| Loan loss allowance to noncurrent loans | 202.2581% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 4,417 |
| Noncurrent loans to loans | 0.5669% | 3,887 |
| Net loans and leases to total assets | 58.4676% | 3,877 |
| Net loans and leases to deposits | 68.6616% | 3,898 |
| Net loans and leases to core deposits | 76.9388% | 3,500 |
| Total domestic deposits to total assets | 85.1533% | 3,329 |
| Equity capital to assets | 10.9747% | 3,000 |
| Core capital (leverage) ratio | 11.2138% | 2,222 |
| Tier 1 risk-based capital ratio | 16.5937% | 2,643 |
| Total risk-based capital ratio | 17.6371% | 2,681 |
| Memoranda: | ||
| Average total assets | $92,554,000 | 4,759 |
| Average earning assets | $85,119,000 | 4,742 |
| Average equity | $9,929,000 | 4,799 |
| Average total loans | $54,377,000 | 4,658 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 3,170 |
| Cost of funding earning assets | 0.4098% | 3,592 |
| Net interest margin | 3.7294% | 2,883 |
| Noninterest income to average assets | 0.4188% | 4,046 |
| Noninterest expense to average assets | 2.8211% | 3,411 |
| Loan and lease loss provision to assets | 0.2361% | 1,014 |
| Net operating income to assets | 0.6921% | 3,934 |
| Return on assets (ROA) | 0.7317% | 3,834 |
| Pretax return on assets | 0.8219% | 4,183 |
| Return on Equity (ROE) | 7.1968% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.2767% | 1,767 |
| Net charge-offs to loans | 0.3475% | 1,264 |
| Credit loss provision to net charge-offs | 121.1429% | 1,978 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 3,481 |
| Efficiency ratio | 73.4534% | 2,939 |
| Assets per employee ($millions) | 4.2114% | 3,517 |
| Cash dividends to net income (ytd only)* | 12.7854% | 4,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 4,450 |
| Loan loss allowance to noncurrent loans | 273.7557% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 4,440 |
| Noncurrent loans to loans | 0.4087% | 4,414 |
| Net loans and leases to total assets | 57.7053% | 4,088 |
| Net loans and leases to deposits | 67.3579% | 4,187 |
| Net loans and leases to core deposits | 77.0663% | 3,605 |
| Total domestic deposits to total assets | 85.6697% | 2,999 |
| Equity capital to assets | 10.4814% | 3,512 |
| Core capital (leverage) ratio | 10.9844% | 2,424 |
| Tier 1 risk-based capital ratio | 15.1672% | 3,401 |
| Total risk-based capital ratio | 16.1066% | 3,501 |
| Memoranda: | ||
| Average total assets | $89,788,600 | 4,842 |
| Average earning assets | $82,238,400 | 4,849 |
| Average equity | $9,129,000 | 4,944 |
| Average total loans | $50,364,200 | 4,809 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 3,264 |
| Cost of funding earning assets | 0.4053% | 3,725 |
| Net interest margin | 3.7216% | 2,935 |
| Noninterest income to average assets | 0.4610% | 3,809 |
| Noninterest expense to average assets | 2.8710% | 3,229 |
| Loan and lease loss provision to assets | 0.2305% | 961 |
| Net operating income to assets | 0.7135% | 3,869 |
| Return on assets (ROA) | 0.7469% | 3,783 |
| Pretax return on assets | 0.8038% | 4,354 |
| Return on Equity (ROE) | 7.4060% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.4060% | 1,617 |
| Net charge-offs to loans | 0.1942% | 1,914 |
| Credit loss provision to net charge-offs | 213.8889% | 1,200 |
| Earnings coverage of net charge-offs (x) | 9.2636% | 2,692 |
| Efficiency ratio | 74.1973% | 2,789 |
| Assets per employee ($millions) | 4.2599% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 3,939 |
| Loan loss allowance to noncurrent loans | 243.8202% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 4,816 |
| Noncurrent loans to loans | 0.5132% | 4,395 |
| Net loans and leases to total assets | 57.4303% | 4,149 |
| Net loans and leases to deposits | 65.4263% | 4,392 |
| Net loans and leases to core deposits | 76.4149% | 3,697 |
| Total domestic deposits to total assets | 87.7786% | 1,878 |
| Equity capital to assets | 10.6150% | 3,412 |
| Core capital (leverage) ratio | 10.9001% | 2,579 |
| Tier 1 risk-based capital ratio | 15.5513% | 3,285 |
| Total risk-based capital ratio | 16.5958% | 3,333 |
| Memoranda: | ||
| Average total assets | $89,073,250 | 4,911 |
| Average earning assets | $81,576,750 | 4,915 |
| Average equity | $8,983,500 | 5,014 |
| Average total loans | $49,438,000 | 4,881 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1323% | 3,220 |
| Cost of funding earning assets | 0.3943% | 3,928 |
| Net interest margin | 3.7380% | 2,805 |
| Noninterest income to average assets | 0.4902% | 3,550 |
| Noninterest expense to average assets | 2.9097% | 3,130 |
| Loan and lease loss provision to assets | 0.1124% | 2,151 |
| Net operating income to assets | 0.8232% | 3,218 |
| Return on assets (ROA) | 0.8612% | 3,106 |
| Pretax return on assets | 0.9197% | 3,809 |
| Return on Equity (ROE) | 8.6920% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.6920% | 1,076 |
| Net charge-offs to loans | -0.0453% | 5,828 |
| Credit loss provision to net charge-offs | -454.5455% | 5,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5821% | 2,875 |
| Assets per employee ($millions) | 4.3146% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 4,132 |
| Loan loss allowance to noncurrent loans | 161.6967% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 4,446 |
| Noncurrent loans to loans | 0.7756% | 3,761 |
| Net loans and leases to total assets | 54.6602% | 4,456 |
| Net loans and leases to deposits | 61.9695% | 4,696 |
| Net loans and leases to core deposits | 62.5731% | 4,928 |
| Total domestic deposits to total assets | 88.2051% | 1,787 |
| Equity capital to assets | 10.3060% | 3,685 |
| Core capital (leverage) ratio | 10.8047% | 2,617 |
| Tier 1 risk-based capital ratio | 15.4733% | 3,365 |
| Total risk-based capital ratio | 16.4895% | 3,449 |
| Memoranda: | ||
| Average total assets | $88,945,000 | 4,951 |
| Average earning assets | $81,166,330 | 4,957 |
| Average equity | $8,812,670 | 5,079 |
| Average total loans | $48,575,000 | 4,947 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 2,940 |
| Cost of funding earning assets | 0.4037% | 3,929 |
| Net interest margin | 3.7781% | 2,563 |
| Noninterest income to average assets | 0.5811% | 2,852 |
| Noninterest expense to average assets | 2.8872% | 3,261 |
| Loan and lease loss provision to assets | 0.1362% | 1,778 |
| Net operating income to assets | 0.9397% | 2,456 |
| Return on assets (ROA) | 0.9397% | 2,528 |
| Pretax return on assets | 0.9987% | 3,321 |
| Return on Equity (ROE) | 9.6842% | 2,164 |
| Retained earnings to average equity (ytd only) | 9.6842% | 1,053 |
| Net charge-offs to loans | -0.0586% | 5,878 |
| Credit loss provision to net charge-offs | -428.5714% | 5,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7833% | 3,526 |
| Assets per employee ($millions) | 4.2755% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 4,494 |
| Loan loss allowance to noncurrent loans | 210.8014% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 4,911 |
| Noncurrent loans to loans | 0.5833% | 4,411 |
| Net loans and leases to total assets | 54.1282% | 4,398 |
| Net loans and leases to deposits | 60.2808% | 4,736 |
| Net loans and leases to core deposits | 67.8842% | 4,327 |
| Total domestic deposits to total assets | 89.7934% | 1,182 |
| Equity capital to assets | 9.8346% | 4,054 |
| Core capital (leverage) ratio | 10.6892% | 2,715 |
| Tier 1 risk-based capital ratio | 15.2556% | 3,576 |
| Total risk-based capital ratio | 16.2372% | 3,667 |
| Memoranda: | ||
| Average total assets | $88,114,000 | 5,018 |
| Average earning assets | $80,253,000 | 5,020 |
| Average equity | $8,550,000 | 5,165 |
| Average total loans | $47,785,000 | 5,018 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 3,924 |
| Cost of funding earning assets | 0.4701% | 3,910 |
| Net interest margin | 3.5789% | 3,556 |
| Noninterest income to average assets | 0.4050% | 4,411 |
| Noninterest expense to average assets | 2.9766% | 3,117 |
| Loan and lease loss provision to assets | 0.0749% | 3,616 |
| Net operating income to assets | 0.5271% | 4,611 |
| Return on assets (ROA) | 0.6273% | 4,238 |
| Pretax return on assets | 0.6534% | 4,692 |
| Return on Equity (ROE) | 6.3285% | 3,912 |
| Retained earnings to average equity (ytd only) | 5.0125% | 2,585 |
| Net charge-offs to loans | 0.4214% | 1,585 |
| Credit loss provision to net charge-offs | 36.6667% | 4,110 |
| Earnings coverage of net charge-offs (x) | 3.0556% | 3,973 |
| Efficiency ratio | 82.6717% | 1,790 |
| Assets per employee ($millions) | 4.1163% | 3,610 |
| Cash dividends to net income (ytd only)* | 20.7957% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 4,519 |
| Loan loss allowance to noncurrent loans | 222.7451% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 5,088 |
| Noncurrent loans to loans | 0.5500% | 4,616 |
| Net loans and leases to total assets | 52.9806% | 4,725 |
| Net loans and leases to deposits | 58.8610% | 5,050 |
| Net loans and leases to core deposits | 67.4989% | 4,562 |
| Total domestic deposits to total assets | 90.0096% | 1,072 |
| Equity capital to assets | 9.5670% | 4,325 |
| Core capital (leverage) ratio | 10.3192% | 3,127 |
| Tier 1 risk-based capital ratio | 15.4704% | 3,391 |
| Total risk-based capital ratio | 16.4261% | 3,505 |
| Memoranda: | ||
| Average total assets | $88,154,200 | 5,022 |
| Average earning assets | $78,710,600 | 5,068 |
| Average equity | $8,738,200 | 5,154 |
| Average total loans | $42,717,000 | 5,243 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9623% | 4,276 |
| Cost of funding earning assets | 0.4777% | 3,990 |
| Net interest margin | 3.4846% | 3,948 |
| Noninterest income to average assets | 0.4636% | 4,049 |
| Noninterest expense to average assets | 2.9787% | 3,056 |
| Loan and lease loss provision to assets | 0.0075% | 4,825 |
| Net operating income to assets | 0.5228% | 4,704 |
| Return on assets (ROA) | 0.5283% | 4,834 |
| Pretax return on assets | 0.5795% | 5,100 |
| Return on Equity (ROE) | 5.2849% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.8182% | 3,217 |
| Net charge-offs to loans | 0.2902% | 2,085 |
| Credit loss provision to net charge-offs | 5.4945% | 4,277 |
| Earnings coverage of net charge-offs (x) | 4.2417% | 3,492 |
| Efficiency ratio | 83.6786% | 1,644 |
| Assets per employee ($millions) | 4.2886% | 3,251 |
| Cash dividends to net income (ytd only)* | 8.8314% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 4,281 |
| Loan loss allowance to noncurrent loans | 98.3498% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 4,196 |
| Noncurrent loans to loans | 1.3442% | 3,170 |
| Net loans and leases to total assets | 49.3976% | 5,200 |
| Net loans and leases to deposits | 56.3175% | 5,345 |
| Net loans and leases to core deposits | 65.2920% | 4,773 |
| Total domestic deposits to total assets | 87.7128% | 2,292 |
| Equity capital to assets | 9.4514% | 4,613 |
| Core capital (leverage) ratio | 10.3643% | 3,149 |
| Tier 1 risk-based capital ratio | 15.2076% | 3,622 |
| Total risk-based capital ratio | 16.2060% | 3,727 |
| Memoranda: | ||
| Average total assets | $88,582,000 | 5,060 |
| Average earning assets | $78,706,500 | 5,115 |
| Average equity | $8,855,250 | 5,176 |
| Average total loans | $41,804,750 | 5,321 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0011% | 4,106 |
| Cost of funding earning assets | 0.4940% | 3,953 |
| Net interest margin | 3.5071% | 3,756 |
| Noninterest income to average assets | 0.5653% | 3,411 |
| Noninterest expense to average assets | 3.0333% | 2,894 |
| Loan and lease loss provision to assets | 0.0114% | 4,646 |
| Net operating income to assets | 0.5683% | 4,463 |
| Return on assets (ROA) | 0.5767% | 4,590 |
| Pretax return on assets | 0.6244% | 4,932 |
| Return on Equity (ROE) | 5.6635% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.6635% | 2,637 |
| Net charge-offs to loans | 0.4814% | 1,371 |
| Credit loss provision to net charge-offs | 5.1020% | 3,956 |
| Earnings coverage of net charge-offs (x) | 2.8163% | 3,580 |
| Efficiency ratio | 82.8784% | 1,775 |
| Assets per employee ($millions) | 4.2055% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 3,883 |
| Loan loss allowance to noncurrent loans | 126.9397% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 1.9827% | 2,170 |
| Noncurrent loans to loans | 1.1283% | 3,679 |
| Net loans and leases to total assets | 45.8971% | 5,545 |
| Net loans and leases to deposits | 51.0150% | 5,771 |
| Net loans and leases to core deposits | 54.5039% | 5,711 |
| Total domestic deposits to total assets | 89.9677% | 1,042 |
| Equity capital to assets | 9.6416% | 4,397 |
| Core capital (leverage) ratio | 10.3121% | 3,088 |
| Tier 1 risk-based capital ratio | 15.8871% | 3,267 |
| Total risk-based capital ratio | 16.9252% | 3,330 |
| Memoranda: | ||
| Average total assets | $88,089,000 | 5,104 |
| Average earning assets | $77,728,330 | 5,177 |
| Average equity | $8,969,670 | 5,178 |
| Average total loans | $40,711,670 | 5,394 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9620% | 4,257 |
| Cost of funding earning assets | 0.5132% | 3,942 |
| Net interest margin | 3.4488% | 3,917 |
| Noninterest income to average assets | 0.6138% | 3,059 |
| Noninterest expense to average assets | 3.1190% | 2,617 |
| Loan and lease loss provision to assets | 0.0227% | 4,180 |
| Net operating income to assets | 0.4865% | 4,745 |
| Return on assets (ROA) | 0.4865% | 4,898 |
| Pretax return on assets | 0.5274% | 5,182 |
| Return on Equity (ROE) | 4.6537% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.6537% | 3,443 |
| Net charge-offs to loans | 1.0270% | 594 |
| Credit loss provision to net charge-offs | 4.8077% | 3,196 |
| Earnings coverage of net charge-offs (x) | 1.1635% | 3,441 |
| Efficiency ratio | 85.0062% | 1,638 |
| Assets per employee ($millions) | 4.1941% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 4,014 |
| Loan loss allowance to noncurrent loans | 105.6159% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 2.1935% | 2,126 |
| Noncurrent loans to loans | 1.3735% | 3,507 |
| Net loans and leases to total assets | 44.9675% | 5,554 |
| Net loans and leases to deposits | 50.6018% | 5,741 |
| Net loans and leases to core deposits | 57.0125% | 5,433 |
| Total domestic deposits to total assets | 88.8654% | 1,757 |
| Equity capital to assets | 10.4806% | 3,563 |
| Core capital (leverage) ratio | 10.1752% | 3,177 |
| Tier 1 risk-based capital ratio | 15.9460% | 3,303 |
| Total risk-based capital ratio | 16.9946% | 3,361 |
| Memoranda: | ||
| Average total assets | $87,976,000 | 5,150 |
| Average earning assets | $77,941,000 | 5,207 |
| Average equity | $9,197,000 | 5,182 |
| Average total loans | $40,506,000 | 5,442 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 4,444 |
| Cost of funding earning assets | 0.6350% | 4,051 |
| Net interest margin | 3.6026% | 4,070 |
| Noninterest income to average assets | 0.4494% | 4,249 |
| Noninterest expense to average assets | 3.1025% | 2,913 |
| Loan and lease loss provision to assets | 0.2916% | 2,340 |
| Net operating income to assets | 0.2413% | 5,660 |
| Return on assets (ROA) | 0.6267% | 4,369 |
| Pretax return on assets | 0.6553% | 4,807 |
| Return on Equity (ROE) | 6.1292% | 4,099 |
| Retained earnings to average equity (ytd only) | 4.9660% | 2,727 |
| Net charge-offs to loans | 1.2364% | 808 |
| Credit loss provision to net charge-offs | 48.0226% | 4,740 |
| Earnings coverage of net charge-offs (x) | 0.8983% | 5,026 |
| Efficiency ratio | 85.0470% | 1,512 |
| Assets per employee ($millions) | 4.1845% | 3,584 |
| Cash dividends to net income (ytd only)* | 18.9781% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 3,036 |
| Loan loss allowance to noncurrent loans | 37.8889% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 2.7926% | 1,720 |
| Noncurrent loans to loans | 4.4093% | 981 |
| Net loans and leases to total assets | 45.6797% | 5,648 |
| Net loans and leases to deposits | 51.3950% | 5,858 |
| Net loans and leases to core deposits | 58.8336% | 5,471 |
| Total domestic deposits to total assets | 88.8797% | 1,652 |
| Equity capital to assets | 10.4273% | 3,617 |
| Core capital (leverage) ratio | 9.9047% | 3,537 |
| Tier 1 risk-based capital ratio | 15.7080% | 3,311 |
| Total risk-based capital ratio | 16.9205% | 3,291 |
| Memoranda: | ||
| Average total assets | $87,446,800 | 5,153 |
| Average earning assets | $77,637,800 | 5,199 |
| Average equity | $8,940,800 | 5,241 |
| Average total loans | $42,945,600 | 5,385 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 4,527 |
| Cost of funding earning assets | 0.6516% | 4,184 |
| Net interest margin | 3.6288% | 4,106 |
| Noninterest income to average assets | 0.4977% | 3,946 |
| Noninterest expense to average assets | 3.0699% | 2,976 |
| Loan and lease loss provision to assets | 0.3175% | 2,080 |
| Net operating income to assets | 0.2722% | 5,708 |
| Return on assets (ROA) | 0.6381% | 4,447 |
| Pretax return on assets | 0.7541% | 4,663 |
| Return on Equity (ROE) | 6.2724% | 4,191 |
| Retained earnings to average equity (ytd only) | 6.2724% | 2,509 |
| Net charge-offs to loans | 0.7176% | 1,540 |
| Credit loss provision to net charge-offs | 88.8889% | 3,330 |
| Earnings coverage of net charge-offs (x) | 1.7949% | 4,369 |
| Efficiency ratio | 82.7232% | 1,733 |
| Assets per employee ($millions) | 4.2641% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1533% | 1,799 |
| Loan loss allowance to noncurrent loans | 40.9771% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 3.3257% | 1,528 |
| Noncurrent loans to loans | 5.2549% | 836 |
| Net loans and leases to total assets | 47.2439% | 5,633 |
| Net loans and leases to deposits | 53.6471% | 5,831 |
| Net loans and leases to core deposits | 62.0472% | 5,357 |
| Total domestic deposits to total assets | 88.0642% | 2,008 |
| Equity capital to assets | 10.2942% | 4,088 |
| Core capital (leverage) ratio | 10.0286% | 3,499 |
| Tier 1 risk-based capital ratio | 14.9569% | 3,875 |
| Total risk-based capital ratio | 16.1696% | 3,866 |
| Memoranda: | ||
| Average total assets | $87,339,750 | 5,200 |
| Average earning assets | $77,342,250 | 5,261 |
| Average equity | $8,885,250 | 5,301 |
| Average total loans | $43,476,250 | 5,414 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 4,651 |
| Cost of funding earning assets | 0.6803% | 4,180 |
| Net interest margin | 3.5995% | 4,263 |
| Noninterest income to average assets | 0.5219% | 3,774 |
| Noninterest expense to average assets | 3.0276% | 3,157 |
| Loan and lease loss provision to assets | 0.2425% | 2,637 |
| Net operating income to assets | 0.3850% | 5,268 |
| Return on assets (ROA) | 0.7205% | 4,027 |
| Pretax return on assets | 0.8267% | 4,373 |
| Return on Equity (ROE) | 7.1117% | 3,721 |
| Retained earnings to average equity (ytd only) | 7.1117% | 2,041 |
| Net charge-offs to loans | 0.9092% | 1,211 |
| Credit loss provision to net charge-offs | 53.0303% | 3,976 |
| Earnings coverage of net charge-offs (x) | 1.4949% | 4,244 |
| Efficiency ratio | 81.5806% | 1,950 |
| Assets per employee ($millions) | 4.1863% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9990% | 2,236 |
| Loan loss allowance to noncurrent loans | 44.5131% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 2.9780% | 1,849 |
| Noncurrent loans to loans | 4.4908% | 1,182 |
| Net loans and leases to total assets | 48.1823% | 5,593 |
| Net loans and leases to deposits | 54.0232% | 5,862 |
| Net loans and leases to core deposits | 54.7622% | 6,040 |
| Total domestic deposits to total assets | 89.1881% | 1,398 |
| Equity capital to assets | 10.2659% | 3,977 |
| Core capital (leverage) ratio | 10.0030% | 3,415 |
| Tier 1 risk-based capital ratio | 15.1132% | 3,693 |
| Total risk-based capital ratio | 16.3326% | 3,678 |
| Memoranda: | ||
| Average total assets | $86,604,330 | 5,258 |
| Average earning assets | $76,732,670 | 5,306 |
| Average equity | $8,774,330 | 5,329 |
| Average total loans | $43,556,330 | 5,446 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2679% | 4,859 |
| Cost of funding earning assets | 0.7018% | 4,273 |
| Net interest margin | 3.5661% | 4,415 |
| Noninterest income to average assets | 0.5771% | 3,360 |
| Noninterest expense to average assets | 3.0483% | 3,089 |
| Loan and lease loss provision to assets | 0.2560% | 2,407 |
| Net operating income to assets | 0.4021% | 5,249 |
| Return on assets (ROA) | 0.7260% | 3,984 |
| Pretax return on assets | 0.8377% | 4,275 |
| Return on Equity (ROE) | 7.2147% | 3,649 |
| Retained earnings to average equity (ytd only) | 7.2147% | 2,318 |
| Net charge-offs to loans | 1.7382% | 553 |
| Credit loss provision to net charge-offs | 28.9474% | 3,641 |
| Earnings coverage of net charge-offs (x) | 0.8158% | 3,926 |
| Efficiency ratio | 80.8642% | 2,097 |
| Assets per employee ($millions) | 4.1298% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 2,743 |
| Loan loss allowance to noncurrent loans | 27.8550% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 3.7244% | 1,509 |
| Noncurrent loans to loans | 6.7464% | 695 |
| Net loans and leases to total assets | 49.4892% | 5,375 |
| Net loans and leases to deposits | 55.2665% | 5,680 |
| Net loans and leases to core deposits | 62.1579% | 5,305 |
| Total domestic deposits to total assets | 89.5464% | 1,341 |
| Equity capital to assets | 10.0074% | 4,118 |
| Core capital (leverage) ratio | 9.8673% | 3,542 |
| Tier 1 risk-based capital ratio | 14.7092% | 3,949 |
| Total risk-based capital ratio | 15.9264% | 3,930 |
| Memoranda: | ||
| Average total assets | $85,950,500 | 5,314 |
| Average earning assets | $76,946,000 | 5,331 |
| Average equity | $8,649,000 | 5,381 |
| Average total loans | $43,723,500 | 5,478 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6239% | 4,573 |
| Cost of funding earning assets | 0.9866% | 3,471 |
| Net interest margin | 3.6373% | 4,578 |
| Noninterest income to average assets | 0.4439% | 4,273 |
| Noninterest expense to average assets | 2.8854% | 4,019 |
| Loan and lease loss provision to assets | 0.3486% | 2,909 |
| Net operating income to assets | 0.4409% | 4,686 |
| Return on assets (ROA) | 0.6519% | 3,927 |
| Pretax return on assets | 0.7286% | 4,223 |
| Return on Equity (ROE) | 6.8563% | 3,462 |
| Retained earnings to average equity (ytd only) | 5.5853% | 2,247 |
| Net charge-offs to loans | 0.3807% | 3,506 |
| Credit loss provision to net charge-offs | 170.4545% | 1,576 |
| Earnings coverage of net charge-offs (x) | 4.1080% | 3,264 |
| Efficiency ratio | 77.4485% | 2,668 |
| Assets per employee ($millions) | 4.0560% | 3,738 |
| Cash dividends to net income (ytd only)* | 18.5383% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1920% | 1,810 |
| Loan loss allowance to noncurrent loans | 30.8237% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 3.7159% | 1,576 |
| Noncurrent loans to loans | 7.1113% | 617 |
| Net loans and leases to total assets | 50.1873% | 5,556 |
| Net loans and leases to deposits | 56.1367% | 5,881 |
| Net loans and leases to core deposits | 64.0731% | 5,458 |
| Total domestic deposits to total assets | 89.4018% | 1,316 |
| Equity capital to assets | 10.1192% | 4,012 |
| Core capital (leverage) ratio | 9.8072% | 3,592 |
| Tier 1 risk-based capital ratio | 14.6763% | 3,852 |
| Total risk-based capital ratio | 15.8942% | 3,847 |
| Memoranda: | ||
| Average total assets | $86,052,600 | 5,289 |
| Average earning assets | $77,640,400 | 5,296 |
| Average equity | $8,182,200 | 5,516 |
| Average total loans | $46,236,400 | 5,417 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 4,769 |
| Cost of funding earning assets | 1.0526% | 3,302 |
| Net interest margin | 3.5719% | 4,887 |
| Noninterest income to average assets | 0.4791% | 4,049 |
| Noninterest expense to average assets | 2.9256% | 3,817 |
| Loan and lease loss provision to assets | 0.4636% | 2,135 |
| Net operating income to assets | 0.2519% | 5,563 |
| Return on assets (ROA) | 0.3261% | 5,470 |
| Pretax return on assets | 0.4080% | 5,445 |
| Return on Equity (ROE) | 3.4848% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.4848% | 4,259 |
| Net charge-offs to loans | 0.3983% | 3,123 |
| Credit loss provision to net charge-offs | 214.2857% | 1,345 |
| Earnings coverage of net charge-offs (x) | 3.6000% | 3,377 |
| Efficiency ratio | 78.9737% | 2,409 |
| Assets per employee ($millions) | 3.7267% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1876% | 1,886 |
| Loan loss allowance to noncurrent loans | 33.4231% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 3.7380% | 1,665 |
| Noncurrent loans to loans | 6.5451% | 803 |
| Net loans and leases to total assets | 51.8002% | 5,473 |
| Net loans and leases to deposits | 57.8321% | 5,855 |
| Net loans and leases to core deposits | 66.8644% | 5,326 |
| Total domestic deposits to total assets | 89.5700% | 1,109 |
| Equity capital to assets | 9.8642% | 4,526 |
| Core capital (leverage) ratio | 9.3741% | 4,342 |
| Tier 1 risk-based capital ratio | 13.8359% | 4,467 |
| Total risk-based capital ratio | 15.1084% | 4,407 |
| Memoranda: | ||
| Average total assets | $86,272,000 | 5,321 |
| Average earning assets | $77,901,500 | 5,330 |
| Average equity | $8,073,000 | 5,572 |
| Average total loans | $46,869,250 | 5,433 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 3,897 |
| Cost of funding earning assets | 1.0950% | 3,285 |
| Net interest margin | 3.7480% | 4,042 |
| Noninterest income to average assets | 0.4742% | 4,070 |
| Noninterest expense to average assets | 2.8870% | 4,074 |
| Loan and lease loss provision to assets | 0.2892% | 3,076 |
| Net operating income to assets | 0.6065% | 4,035 |
| Return on assets (ROA) | 0.6269% | 4,047 |
| Pretax return on assets | 0.7102% | 4,348 |
| Return on Equity (ROE) | 6.8213% | 3,518 |
| Retained earnings to average equity (ytd only) | 6.8213% | 1,958 |
| Net charge-offs to loans | 0.0676% | 4,963 |
| Credit loss provision to net charge-offs | 781.2500% | 423 |
| Earnings coverage of net charge-offs (x) | 26.3750% | 1,015 |
| Efficiency ratio | 74.7305% | 3,237 |
| Assets per employee ($millions) | 3.7375% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9953% | 2,384 |
| Loan loss allowance to noncurrent loans | 35.2413% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 3.1781% | 2,115 |
| Noncurrent loans to loans | 5.6619% | 1,095 |
| Net loans and leases to total assets | 53.8238% | 5,317 |
| Net loans and leases to deposits | 59.9715% | 5,726 |
| Net loans and leases to core deposits | 61.0331% | 5,998 |
| Total domestic deposits to total assets | 89.7490% | 1,099 |
| Equity capital to assets | 9.7287% | 4,501 |
| Core capital (leverage) ratio | 9.4272% | 4,066 |
| Tier 1 risk-based capital ratio | 13.6464% | 4,418 |
| Total risk-based capital ratio | 14.8638% | 4,424 |
| Memoranda: | ||
| Average total assets | $86,458,000 | 5,358 |
| Average earning assets | $78,175,330 | 5,367 |
| Average equity | $7,945,670 | 5,630 |
| Average total loans | $47,361,330 | 5,461 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7641% | 4,236 |
| Cost of funding earning assets | 1.1261% | 3,320 |
| Net interest margin | 3.6381% | 4,378 |
| Noninterest income to average assets | 0.4659% | 4,143 |
| Noninterest expense to average assets | 2.7818% | 4,519 |
| Loan and lease loss provision to assets | 0.3460% | 2,491 |
| Net operating income to assets | 0.5545% | 4,259 |
| Return on assets (ROA) | 0.5951% | 4,128 |
| Pretax return on assets | 0.6782% | 4,392 |
| Return on Equity (ROE) | 6.6693% | 3,547 |
| Retained earnings to average equity (ytd only) | 6.6693% | 2,294 |
| Net charge-offs to loans | 0.1771% | 3,435 |
| Credit loss provision to net charge-offs | 357.1429% | 915 |
| Earnings coverage of net charge-offs (x) | 10.0952% | 1,662 |
| Efficiency ratio | 73.9877% | 3,514 |
| Assets per employee ($millions) | 3.7680% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8796% | 2,760 |
| Loan loss allowance to noncurrent loans | 68.7597% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.6593% | 3,764 |
| Noncurrent loans to loans | 2.7336% | 2,764 |
| Net loans and leases to total assets | 53.4287% | 5,390 |
| Net loans and leases to deposits | 59.0612% | 5,817 |
| Net loans and leases to core deposits | 65.6375% | 5,552 |
| Total domestic deposits to total assets | 90.4633% | 860 |
| Equity capital to assets | 9.0671% | 5,100 |
| Core capital (leverage) ratio | 9.2635% | 4,182 |
| Tier 1 risk-based capital ratio | 13.4567% | 4,453 |
| Total risk-based capital ratio | 14.6739% | 4,461 |
| Memoranda: | ||
| Average total assets | $86,706,000 | 5,386 |
| Average earning assets | $78,503,500 | 5,402 |
| Average equity | $7,737,000 | 5,694 |
| Average total loans | $47,437,000 | 5,503 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2024% | 3,596 |
| Cost of funding earning assets | 1.4785% | 2,768 |
| Net interest margin | 3.7240% | 4,252 |
| Noninterest income to average assets | 0.5725% | 3,650 |
| Noninterest expense to average assets | 2.6389% | 5,267 |
| Loan and lease loss provision to assets | 0.9169% | 1,784 |
| Net operating income to assets | 0.3355% | 4,803 |
| Return on assets (ROA) | 0.3612% | 4,865 |
| Pretax return on assets | 0.3321% | 5,139 |
| Return on Equity (ROE) | 4.2144% | 4,425 |
| Retained earnings to average equity (ytd only) | 3.1184% | 3,677 |
| Net charge-offs to loans | 1.1149% | 1,997 |
| Credit loss provision to net charge-offs | 145.1327% | 2,548 |
| Earnings coverage of net charge-offs (x) | 1.9363% | 4,274 |
| Efficiency ratio | 68.3266% | 4,498 |
| Assets per employee ($millions) | 3.7716% | 4,322 |
| Cash dividends to net income (ytd only)* | 26.0062% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 3,046 |
| Loan loss allowance to noncurrent loans | 63.7337% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.6773% | 3,783 |
| Noncurrent loans to loans | 2.7410% | 2,776 |
| Net loans and leases to total assets | 54.0076% | 5,630 |
| Net loans and leases to deposits | 59.5306% | 6,111 |
| Net loans and leases to core deposits | 67.1492% | 5,758 |
| Total domestic deposits to total assets | 90.7224% | 734 |
| Equity capital to assets | 8.7796% | 5,470 |
| Core capital (leverage) ratio | 8.6425% | 5,119 |
| Tier 1 risk-based capital ratio | 13.0318% | 4,579 |
| Total risk-based capital ratio | 14.2459% | 4,569 |
| Memoranda: | ||
| Average total assets | $89,430,200 | 5,308 |
| Average earning assets | $79,001,600 | 5,385 |
| Average equity | $7,664,200 | 5,821 |
| Average total loans | $50,677,800 | 5,457 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2424% | 3,617 |
| Cost of funding earning assets | 1.5494% | 2,681 |
| Net interest margin | 3.6931% | 4,439 |
| Noninterest income to average assets | 0.5549% | 3,756 |
| Noninterest expense to average assets | 2.4949% | 5,732 |
| Loan and lease loss provision to assets | 1.0802% | 1,351 |
| Net operating income to assets | 0.2442% | 5,374 |
| Return on assets (ROA) | 0.3196% | 5,256 |
| Pretax return on assets | 0.2826% | 5,549 |
| Return on Equity (ROE) | 3.7517% | 4,893 |
| Retained earnings to average equity (ytd only) | 3.7517% | 3,823 |
| Net charge-offs to loans | 1.3482% | 1,505 |
| Credit loss provision to net charge-offs | 140.3846% | 2,829 |
| Earnings coverage of net charge-offs (x) | 1.6731% | 4,451 |
| Efficiency ratio | 65.9624% | 4,865 |
| Assets per employee ($millions) | 3.9383% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 3,598 |
| Loan loss allowance to noncurrent loans | 47.4128% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.9011% | 3,615 |
| Noncurrent loans to loans | 3.3418% | 2,378 |
| Net loans and leases to total assets | 54.0356% | 5,845 |
| Net loans and leases to deposits | 59.5762% | 6,343 |
| Net loans and leases to core deposits | 68.8256% | 5,861 |
| Total domestic deposits to total assets | 90.7000% | 549 |
| Equity capital to assets | 8.8197% | 5,826 |
| Core capital (leverage) ratio | 8.6150% | 5,323 |
| Tier 1 risk-based capital ratio | 12.6274% | 4,871 |
| Total risk-based capital ratio | 13.8414% | 4,881 |
| Memoranda: | ||
| Average total assets | $90,101,000 | 5,355 |
| Average earning assets | $78,740,250 | 5,453 |
| Average equity | $7,676,250 | 5,886 |
| Average total loans | $51,426,500 | 5,509 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3424% | 3,250 |
| Cost of funding earning assets | 1.6187% | 2,554 |
| Net interest margin | 3.7237% | 4,254 |
| Noninterest income to average assets | 0.5515% | 3,701 |
| Noninterest expense to average assets | 2.5083% | 5,690 |
| Loan and lease loss provision to assets | 1.6233% | 800 |
| Net operating income to assets | -0.1557% | 6,296 |
| Return on assets (ROA) | -0.1557% | 6,360 |
| Pretax return on assets | -0.3625% | 6,482 |
| Return on Equity (ROE) | -1.8489% | 6,408 |
| Retained earnings to average equity (ytd only) | -1.8489% | 6,122 |
| Net charge-offs to loans | 1.9850% | 920 |
| Credit loss provision to net charge-offs | 141.4729% | 2,822 |
| Earnings coverage of net charge-offs (x) | 1.0988% | 4,693 |
| Efficiency ratio | 66.5487% | 4,873 |
| Assets per employee ($millions) | 3.7811% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 3,549 |
| Loan loss allowance to noncurrent loans | 42.2708% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 2.5169% | 2,868 |
| Noncurrent loans to loans | 3.7307% | 2,087 |
| Net loans and leases to total assets | 54.5384% | 5,909 |
| Net loans and leases to deposits | 59.8843% | 6,423 |
| Net loans and leases to core deposits | 61.6277% | 6,579 |
| Total domestic deposits to total assets | 91.0730% | 456 |
| Equity capital to assets | 8.4664% | 6,206 |
| Core capital (leverage) ratio | 8.3448% | 5,680 |
| Tier 1 risk-based capital ratio | 12.4063% | 4,941 |
| Total risk-based capital ratio | 13.6573% | 4,918 |
| Memoranda: | ||
| Average total assets | $89,941,000 | 5,391 |
| Average earning assets | $77,717,670 | 5,520 |
| Average equity | $7,572,000 | 5,936 |
| Average total loans | $51,990,670 | 5,514 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4403% | 2,861 |
| Cost of funding earning assets | 1.6804% | 2,480 |
| Net interest margin | 3.7599% | 3,964 |
| Noninterest income to average assets | 0.4959% | 4,076 |
| Noninterest expense to average assets | 2.5419% | 5,571 |
| Loan and lease loss provision to assets | 0.4021% | 2,959 |
| Net operating income to assets | 0.5227% | 4,273 |
| Return on assets (ROA) | 0.5227% | 4,413 |
| Pretax return on assets | 0.7505% | 4,057 |
| Return on Equity (ROE) | 6.2263% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.2263% | 2,512 |
| Net charge-offs to loans | 0.6510% | 2,196 |
| Credit loss provision to net charge-offs | 104.6512% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,051 |
| Efficiency ratio | 68.8029% | 4,554 |
| Assets per employee ($millions) | 3.7530% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 5,925 |
| Loan loss allowance to noncurrent loans | 36.3184% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 2.3692% | 3,062 |
| Noncurrent loans to loans | 3.0788% | 2,602 |
| Net loans and leases to total assets | 57.3357% | 5,544 |
| Net loans and leases to deposits | 62.9982% | 6,171 |
| Net loans and leases to core deposits | 69.8638% | 5,934 |
| Total domestic deposits to total assets | 91.0117% | 541 |
| Equity capital to assets | 8.4853% | 6,020 |
| Core capital (leverage) ratio | 8.7329% | 4,970 |
| Tier 1 risk-based capital ratio | 12.4917% | 4,765 |
| Total risk-based capital ratio | 13.4350% | 4,980 |
| Memoranda: | ||
| Average total assets | $89,538,000 | 5,471 |
| Average earning assets | $76,172,000 | 5,631 |
| Average equity | $7,516,500 | 6,008 |
| Average total loans | $52,843,500 | 5,543 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6145% | 3,535 |
| Cost of funding earning assets | 2.1943% | 2,065 |
| Net interest margin | 3.4202% | 5,292 |
| Noninterest income to average assets | 0.6520% | 3,275 |
| Noninterest expense to average assets | 2.6438% | 5,617 |
| Loan and lease loss provision to assets | 0.8380% | 2,632 |
| Net operating income to assets | 0.2313% | 4,795 |
| Return on assets (ROA) | 0.2583% | 4,776 |
| Pretax return on assets | 0.2629% | 4,865 |
| Return on Equity (ROE) | 2.9953% | 4,502 |
| Retained earnings to average equity (ytd only) | 1.6108% | 3,955 |
| Net charge-offs to loans | 1.3487% | 1,849 |
| Credit loss provision to net charge-offs | 97.9866% | 5,686 |
| Earnings coverage of net charge-offs (x) | 1.2550% | 4,870 |
| Efficiency ratio | 71.1242% | 4,423 |
| Assets per employee ($millions) | 3.8697% | 4,091 |
| Cash dividends to net income (ytd only)* | 46.2222% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 5,979 |
| Loan loss allowance to noncurrent loans | 34.1795% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 2.4943% | 2,802 |
| Noncurrent loans to loans | 3.1688% | 2,419 |
| Net loans and leases to total assets | 59.4137% | 5,433 |
| Net loans and leases to deposits | 65.1207% | 6,150 |
| Net loans and leases to core deposits | 86.9365% | 5,435 |
| Total domestic deposits to total assets | 91.2363% | 459 |
| Equity capital to assets | 8.3031% | 6,192 |
| Core capital (leverage) ratio | 8.5446% | 5,210 |
| Tier 1 risk-based capital ratio | 12.0256% | 4,927 |
| Total risk-based capital ratio | 12.9396% | 5,168 |
| Memoranda: | ||
| Average total assets | $87,111,000 | 5,483 |
| Average earning assets | $78,066,400 | 5,524 |
| Average equity | $7,511,800 | 6,084 |
| Average total loans | $55,238,000 | 5,449 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7085% | 3,298 |
| Cost of funding earning assets | 2.2865% | 2,035 |
| Net interest margin | 3.4221% | 5,175 |
| Noninterest income to average assets | 0.6402% | 3,420 |
| Noninterest expense to average assets | 2.6593% | 5,494 |
| Loan and lease loss provision to assets | 0.3540% | 4,200 |
| Net operating income to assets | 0.5699% | 3,729 |
| Return on assets (ROA) | 0.5771% | 3,764 |
| Pretax return on assets | 0.7433% | 3,717 |
| Return on Equity (ROE) | 6.6292% | 3,248 |
| Retained earnings to average equity (ytd only) | 6.6292% | 1,657 |
| Net charge-offs to loans | 0.5890% | 2,910 |
| Credit loss provision to net charge-offs | 93.4959% | 5,392 |
| Earnings coverage of net charge-offs (x) | 2.8740% | 3,787 |
| Efficiency ratio | 70.9651% | 4,430 |
| Assets per employee ($millions) | 3.1763% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 6,177 |
| Loan loss allowance to noncurrent loans | 25.4746% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 2.7705% | 2,504 |
| Noncurrent loans to loans | 3.9948% | 1,838 |
| Net loans and leases to total assets | 65.4388% | 4,548 |
| Net loans and leases to deposits | 72.6156% | 5,568 |
| Net loans and leases to core deposits | 94.3226% | 4,989 |
| Total domestic deposits to total assets | 90.1167% | 723 |
| Equity capital to assets | 9.1720% | 5,212 |
| Core capital (leverage) ratio | 9.2994% | 4,192 |
| Tier 1 risk-based capital ratio | 12.2745% | 4,727 |
| Total risk-based capital ratio | 13.1741% | 4,979 |
| Memoranda: | ||
| Average total assets | $86,638,000 | 5,531 |
| Average earning assets | $78,664,000 | 5,536 |
| Average equity | $7,542,250 | 6,133 |
| Average total loans | $55,682,750 | 5,469 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7241% | 3,412 |
| Cost of funding earning assets | 2.4232% | 1,870 |
| Net interest margin | 3.3009% | 5,549 |
| Noninterest income to average assets | 0.6258% | 3,493 |
| Noninterest expense to average assets | 2.6182% | 5,668 |
| Loan and lease loss provision to assets | 0.2071% | 4,980 |
| Net operating income to assets | 0.6684% | 3,394 |
| Return on assets (ROA) | 0.6856% | 3,428 |
| Pretax return on assets | 0.8236% | 3,592 |
| Return on Equity (ROE) | 8.0169% | 2,761 |
| Retained earnings to average equity (ytd only) | 8.0169% | 1,201 |
| Net charge-offs to loans | 0.4589% | 2,993 |
| Credit loss provision to net charge-offs | 70.8661% | 5,400 |
| Earnings coverage of net charge-offs (x) | 3.4567% | 3,432 |
| Efficiency ratio | 72.1623% | 4,377 |
| Assets per employee ($millions) | 3.1551% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 6,362 |
| Loan loss allowance to noncurrent loans | 30.0541% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 2.3019% | 2,828 |
| Noncurrent loans to loans | 3.2687% | 2,168 |
| Net loans and leases to total assets | 65.7855% | 4,612 |
| Net loans and leases to deposits | 72.5181% | 5,666 |
| Net loans and leases to core deposits | 82.3191% | 6,213 |
| Total domestic deposits to total assets | 90.7159% | 551 |
| Equity capital to assets | 8.7734% | 5,639 |
| Core capital (leverage) ratio | 8.8968% | 4,790 |
| Tier 1 risk-based capital ratio | 12.0022% | 4,915 |
| Total risk-based capital ratio | 12.8581% | 5,214 |
| Memoranda: | ||
| Average total assets | $86,930,330 | 5,558 |
| Average earning assets | $79,069,670 | 5,564 |
| Average equity | $7,434,330 | 6,206 |
| Average total loans | $55,344,330 | 5,542 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6775% | 3,910 |
| Cost of funding earning assets | 2.4082% | 2,259 |
| Net interest margin | 3.2693% | 5,620 |
| Noninterest income to average assets | 0.6606% | 3,133 |
| Noninterest expense to average assets | 2.5376% | 5,700 |
| Loan and lease loss provision to assets | 0.2050% | 4,400 |
| Net operating income to assets | 0.6743% | 3,691 |
| Return on assets (ROA) | 0.6743% | 3,873 |
| Pretax return on assets | 0.8929% | 3,747 |
| Return on Equity (ROE) | 7.9844% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.9844% | 1,823 |
| Net charge-offs to loans | 0.5044% | 2,202 |
| Credit loss provision to net charge-offs | 65.2174% | 4,434 |
| Earnings coverage of net charge-offs (x) | 3.4928% | 3,162 |
| Efficiency ratio | 69.7995% | 4,625 |
| Assets per employee ($millions) | 3.2678% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 5,827 |
| Loan loss allowance to noncurrent loans | 57.4747% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.1221% | 4,437 |
| Noncurrent loans to loans | 1.8211% | 3,531 |
| Net loans and leases to total assets | 60.9691% | 5,502 |
| Net loans and leases to deposits | 69.7731% | 6,000 |
| Net loans and leases to core deposits | 87.2470% | 5,813 |
| Total domestic deposits to total assets | 87.3818% | 2,023 |
| Equity capital to assets | 8.3872% | 6,257 |
| Core capital (leverage) ratio | 8.6582% | 5,238 |
| Tier 1 risk-based capital ratio | 12.0360% | 4,935 |
| Total risk-based capital ratio | 12.9318% | 5,142 |
| Memoranda: | ||
| Average total assets | $87,801,000 | 5,556 |
| Average earning assets | $79,894,000 | 5,552 |
| Average equity | $7,414,500 | 6,255 |
| Average total loans | $54,717,500 | 5,601 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3152% | 3,880 |
| Cost of funding earning assets | 2.7855% | 2,768 |
| Net interest margin | 3.5296% | 5,192 |
| Noninterest income to average assets | 0.6132% | 3,756 |
| Noninterest expense to average assets | 2.8367% | 4,659 |
| Loan and lease loss provision to assets | 0.2422% | 4,488 |
| Net operating income to assets | 0.6009% | 4,297 |
| Return on assets (ROA) | 0.6368% | 4,009 |
| Pretax return on assets | 0.8376% | 3,937 |
| Return on Equity (ROE) | 7.4429% | 3,305 |
| Retained earnings to average equity (ytd only) | 6.0068% | 1,533 |
| Net charge-offs to loans | 0.1838% | 4,360 |
| Credit loss provision to net charge-offs | 200.9804% | 2,422 |
| Earnings coverage of net charge-offs (x) | 8.5686% | 2,861 |
| Efficiency ratio | 73.3130% | 3,688 |
| Assets per employee ($millions) | 3.2360% | 5,378 |
| Cash dividends to net income (ytd only)* | 19.2950% | 4,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 5,426 |
| Loan loss allowance to noncurrent loans | 65.1316% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0438% | 4,210 |
| Noncurrent loans to loans | 1.6560% | 3,285 |
| Net loans and leases to total assets | 62.3529% | 5,566 |
| Net loans and leases to deposits | 71.5511% | 6,111 |
| Net loans and leases to core deposits | 92.1078% | 5,628 |
| Total domestic deposits to total assets | 87.1446% | 1,867 |
| Equity capital to assets | 8.5027% | 6,075 |
| Core capital (leverage) ratio | 8.7594% | 5,099 |
| Tier 1 risk-based capital ratio | 11.8532% | 4,939 |
| Total risk-based capital ratio | 12.7923% | 5,092 |
| Memoranda: | ||
| Average total assets | $84,641,800 | 5,531 |
| Average earning assets | $78,081,800 | 5,498 |
| Average equity | $7,241,800 | 6,368 |
| Average total loans | $55,492,800 | 5,472 |