Home > First National Bank Mahnomen Twin Valley > Performance and Condition Ratios
First National Bank Mahnomen Twin Valley, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 2,659 |
| Cost of funding earning assets | 0.3919% | 3,919 |
| Net interest margin | 3.9989% | 1,962 |
| Noninterest income to average assets | 0.3342% | 3,925 |
| Noninterest expense to average assets | 2.7151% | 2,936 |
| Loan and lease loss provision to assets | 0.2916% | 511 |
| Net operating income to assets | 1.0272% | 2,978 |
| Return on assets (ROA) | 1.0272% | 2,990 |
| Pretax return on assets | 1.0272% | 3,640 |
| Return on Equity (ROE) | 8.4452% | 3,356 |
| Retained earnings to average equity (ytd only) | 3.6709% | 3,935 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9795% | 3,189 |
| Assets per employee ($millions) | 4.7518% | 2,783 |
| Cash dividends to net income (ytd only)* | 56.5330% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3612% | 5,322 |
| Loan loss allowance to noncurrent loans | 32.6590% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 0.9360% | 1,566 |
| Noncurrent loans to loans | 1.1060% | 1,540 |
| Net loans and leases to total assets | 62.4765% | 3,603 |
| Net loans and leases to deposits | 72.6773% | 3,710 |
| Net loans and leases to core deposits | 80.5780% | 3,450 |
| Total domestic deposits to total assets | 85.9642% | 2,214 |
| Equity capital to assets | 13.7912% | 1,025 |
| Core capital (leverage) ratio | 10.0908% | 3,533 |
| Tier 1 risk-based capital ratio | 14.7070% | 3,013 |
| Total risk-based capital ratio | 15.0422% | 3,380 |
| Memoranda: | ||
| Average total assets | $103,322,500 | 4,088 |
| Average earning assets | $95,591,250 | 4,084 |
| Average equity | $12,567,000 | 3,976 |
| Average total loans | $63,971,750 | 4,045 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1206% | 3,379 |
| Cost of funding earning assets | 0.3686% | 3,947 |
| Net interest margin | 3.7520% | 2,744 |
| Noninterest income to average assets | 0.2966% | 4,195 |
| Noninterest expense to average assets | 2.5741% | 3,401 |
| Loan and lease loss provision to assets | 0.2966% | 468 |
| Net operating income to assets | 0.9129% | 3,406 |
| Return on assets (ROA) | 0.9129% | 3,411 |
| Pretax return on assets | 0.9129% | 3,926 |
| Return on Equity (ROE) | 7.8398% | 3,576 |
| Retained earnings to average equity (ytd only) | 2.9091% | 4,088 |
| Net charge-offs to loans | 0.0031% | 3,071 |
| Credit loss provision to net charge-offs | 15,500.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 632.0000% | 133 |
| Efficiency ratio | 64.7446% | 3,201 |
| Assets per employee ($millions) | 4.8748% | 2,593 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2364% | 5,445 |
| Loan loss allowance to noncurrent loans | 30.8617% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 2,080 |
| Noncurrent loans to loans | 0.7661% | 2,205 |
| Net loans and leases to total assets | 63.4747% | 3,455 |
| Net loans and leases to deposits | 73.5464% | 3,573 |
| Net loans and leases to core deposits | 81.8963% | 3,252 |
| Total domestic deposits to total assets | 86.3056% | 2,137 |
| Equity capital to assets | 13.4580% | 1,116 |
| Core capital (leverage) ratio | 9.4596% | 4,162 |
| Tier 1 risk-based capital ratio | 13.9410% | 3,384 |
| Total risk-based capital ratio | 14.1622% | 3,865 |
| Memoranda: | ||
| Average total assets | $104,500,670 | 4,102 |
| Average earning assets | $97,122,670 | 4,089 |
| Average equity | $12,168,670 | 4,062 |
| Average total loans | $64,439,000 | 4,059 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2241% | 5,212 |
| Cost of funding earning assets | 0.3519% | 3,975 |
| Net interest margin | 2.8722% | 5,070 |
| Noninterest income to average assets | 0.3297% | 3,947 |
| Noninterest expense to average assets | 2.1977% | 4,426 |
| Loan and lease loss provision to assets | 0.0189% | 3,290 |
| Net operating income to assets | 0.8033% | 3,687 |
| Return on assets (ROA) | 0.8033% | 3,699 |
| Pretax return on assets | 0.8033% | 4,138 |
| Return on Equity (ROE) | 7.4618% | 3,608 |
| Retained earnings to average equity (ytd only) | 7.4618% | 2,071 |
| Net charge-offs to loans | -0.0062% | 4,083 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7729% | 2,077 |
| Assets per employee ($millions) | 5.2540% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0095% | 5,556 |
| Loan loss allowance to noncurrent loans | 4.3796% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 3,360 |
| Noncurrent loans to loans | 0.2162% | 4,003 |
| Net loans and leases to total assets | 57.4229% | 4,000 |
| Net loans and leases to deposits | 65.8830% | 4,094 |
| Net loans and leases to core deposits | 72.6704% | 3,908 |
| Total domestic deposits to total assets | 87.1590% | 2,060 |
| Equity capital to assets | 12.6208% | 1,421 |
| Core capital (leverage) ratio | 8.9564% | 4,727 |
| Tier 1 risk-based capital ratio | 13.6586% | 3,569 |
| Total risk-based capital ratio | 13.6674% | 4,191 |
| Memoranda: | ||
| Average total assets | $105,566,000 | 4,131 |
| Average earning assets | $98,879,000 | 4,118 |
| Average equity | $11,364,500 | 4,215 |
| Average total loans | $64,092,000 | 4,094 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,397 |
| Cost of funding earning assets | 0.4170% | 3,079 |
| Net interest margin | 3.8624% | 2,222 |
| Noninterest income to average assets | 0.4032% | 3,621 |
| Noninterest expense to average assets | 3.1438% | 1,732 |
| Loan and lease loss provision to assets | 0.0100% | 4,080 |
| Net operating income to assets | 0.9381% | 2,503 |
| Return on assets (ROA) | 0.9381% | 2,547 |
| Pretax return on assets | 0.9381% | 3,786 |
| Return on Equity (ROE) | 10.6711% | 1,603 |
| Retained earnings to average equity (ytd only) | 1.1352% | 4,574 |
| Net charge-offs to loans | 0.0121% | 3,660 |
| Credit loss provision to net charge-offs | 125.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | 118.7500% | 571 |
| Efficiency ratio | 76.8293% | 1,506 |
| Assets per employee ($millions) | 4.5817% | 3,057 |
| Cash dividends to net income (ytd only)* | 89.3617% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,955 |
| Loan loss allowance to noncurrent loans | 126.8102% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 2,014 |
| Noncurrent loans to loans | 0.7883% | 2,246 |
| Net loans and leases to total assets | 63.6650% | 3,401 |
| Net loans and leases to deposits | 70.4772% | 3,835 |
| Net loans and leases to core deposits | 77.9480% | 3,589 |
| Total domestic deposits to total assets | 90.3341% | 454 |
| Equity capital to assets | 8.7343% | 4,944 |
| Core capital (leverage) ratio | 8.5968% | 5,046 |
| Tier 1 risk-based capital ratio | 12.6439% | 4,120 |
| Total risk-based capital ratio | 13.5788% | 4,222 |
| Memoranda: | ||
| Average total assets | $100,198,400 | 4,231 |
| Average earning assets | $95,692,600 | 4,167 |
| Average equity | $8,808,800 | 4,645 |
| Average total loans | $66,356,200 | 4,040 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 2,273 |
| Cost of funding earning assets | 0.4120% | 3,069 |
| Net interest margin | 3.8840% | 2,092 |
| Noninterest income to average assets | 0.4265% | 3,508 |
| Noninterest expense to average assets | 2.8892% | 2,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2434% | 1,537 |
| Return on assets (ROA) | 1.2434% | 1,559 |
| Pretax return on assets | 1.2434% | 2,740 |
| Return on Equity (ROE) | 14.1200% | 809 |
| Retained earnings to average equity (ytd only) | 2.9209% | 4,166 |
| Net charge-offs to loans | 0.0180% | 3,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 103.6642% | 672 |
| Efficiency ratio | 69.9129% | 2,552 |
| Assets per employee ($millions) | 4.5356% | 3,083 |
| Cash dividends to net income (ytd only)* | 79.3138% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 4,510 |
| Loan loss allowance to noncurrent loans | 408.3333% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 2,915 |
| Noncurrent loans to loans | 0.2234% | 4,172 |
| Net loans and leases to total assets | 69.3408% | 2,656 |
| Net loans and leases to deposits | 76.8951% | 3,283 |
| Net loans and leases to core deposits | 85.1508% | 3,038 |
| Total domestic deposits to total assets | 90.1758% | 411 |
| Equity capital to assets | 8.9804% | 4,932 |
| Core capital (leverage) ratio | 8.8167% | 4,945 |
| Tier 1 risk-based capital ratio | 11.9992% | 4,620 |
| Total risk-based capital ratio | 12.8622% | 4,767 |
| Memoranda: | ||
| Average total assets | $100,048,500 | 4,282 |
| Average earning assets | $95,467,000 | 4,214 |
| Average equity | $8,810,000 | 4,693 |
| Average total loans | $66,740,000 | 4,066 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 2,316 |
| Cost of funding earning assets | 0.4080% | 2,995 |
| Net interest margin | 3.8354% | 2,152 |
| Noninterest income to average assets | 0.4354% | 3,453 |
| Noninterest expense to average assets | 2.9440% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1524% | 1,768 |
| Return on assets (ROA) | 1.1524% | 1,818 |
| Pretax return on assets | 1.1524% | 2,966 |
| Return on Equity (ROE) | 13.1740% | 991 |
| Retained earnings to average equity (ytd only) | 7.6944% | 1,284 |
| Net charge-offs to loans | 0.0183% | 2,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 96.1667% | 674 |
| Efficiency ratio | 71.8674% | 2,360 |
| Assets per employee ($millions) | 4.3289% | 3,381 |
| Cash dividends to net income (ytd only)* | 41.5945% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 4,486 |
| Loan loss allowance to noncurrent loans | 143.4978% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8085% | 2,191 |
| Noncurrent loans to loans | 0.6526% | 2,788 |
| Net loans and leases to total assets | 67.9978% | 2,821 |
| Net loans and leases to deposits | 75.4718% | 3,409 |
| Net loans and leases to core deposits | 83.2415% | 3,151 |
| Total domestic deposits to total assets | 90.0969% | 508 |
| Equity capital to assets | 9.1558% | 4,754 |
| Core capital (leverage) ratio | 8.8988% | 4,844 |
| Tier 1 risk-based capital ratio | 12.4395% | 4,333 |
| Total risk-based capital ratio | 13.3240% | 4,459 |
| Memoranda: | ||
| Average total assets | $100,136,670 | 4,305 |
| Average earning assets | $95,584,330 | 4,243 |
| Average equity | $8,759,670 | 4,727 |
| Average total loans | $65,710,670 | 4,111 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 2,849 |
| Cost of funding earning assets | 0.4047% | 2,949 |
| Net interest margin | 3.6466% | 2,709 |
| Noninterest income to average assets | 0.4421% | 3,358 |
| Noninterest expense to average assets | 2.9993% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9241% | 2,645 |
| Return on assets (ROA) | 0.9241% | 2,702 |
| Pretax return on assets | 0.9241% | 3,679 |
| Return on Equity (ROE) | 10.8140% | 1,637 |
| Retained earnings to average equity (ytd only) | 6.6189% | 2,019 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4467% | 1,844 |
| Assets per employee ($millions) | 4.4030% | 3,328 |
| Cash dividends to net income (ytd only)* | 38.7931% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 4,308 |
| Loan loss allowance to noncurrent loans | 274.8936% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5915% | 2,877 |
| Noncurrent loans to loans | 0.3629% | 3,790 |
| Net loans and leases to total assets | 63.3136% | 3,359 |
| Net loans and leases to deposits | 69.7508% | 3,825 |
| Net loans and leases to core deposits | 76.7381% | 3,582 |
| Total domestic deposits to total assets | 90.7711% | 371 |
| Equity capital to assets | 8.5456% | 5,206 |
| Core capital (leverage) ratio | 8.7016% | 5,045 |
| Tier 1 risk-based capital ratio | 12.7271% | 4,241 |
| Total risk-based capital ratio | 13.6607% | 4,345 |
| Memoranda: | ||
| Average total assets | $100,422,500 | 4,342 |
| Average earning assets | $95,869,000 | 4,274 |
| Average equity | $8,581,500 | 4,799 |
| Average total loans | $64,395,000 | 4,173 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2813% | 2,207 |
| Cost of funding earning assets | 0.4410% | 2,604 |
| Net interest margin | 3.8403% | 2,172 |
| Noninterest income to average assets | 1.3291% | 645 |
| Noninterest expense to average assets | 3.1503% | 1,895 |
| Loan and lease loss provision to assets | 0.1876% | 1,257 |
| Net operating income to assets | 1.6315% | 633 |
| Return on assets (ROA) | 1.6315% | 659 |
| Pretax return on assets | 1.6315% | 1,186 |
| Return on Equity (ROE) | 18.1340% | 318 |
| Retained earnings to average equity (ytd only) | 1.4948% | 4,666 |
| Net charge-offs to loans | -0.0953% | 5,577 |
| Credit loss provision to net charge-offs | -290.3226% | 5,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3942% | 4,042 |
| Assets per employee ($millions) | 4.3294% | 3,397 |
| Cash dividends to net income (ytd only)* | 91.7572% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 4,261 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 3,577 |
| Noncurrent loans to loans | 0.0890% | 4,881 |
| Net loans and leases to total assets | 63.6509% | 3,402 |
| Net loans and leases to deposits | 70.0768% | 3,895 |
| Net loans and leases to core deposits | 77.2223% | 3,633 |
| Total domestic deposits to total assets | 90.8301% | 331 |
| Equity capital to assets | 8.5452% | 5,237 |
| Core capital (leverage) ratio | 8.6872% | 5,090 |
| Tier 1 risk-based capital ratio | 12.5219% | 4,363 |
| Total risk-based capital ratio | 13.4555% | 4,454 |
| Memoranda: | ||
| Average total assets | $95,926,000 | 4,429 |
| Average earning assets | $90,929,800 | 4,369 |
| Average equity | $8,630,200 | 4,815 |
| Average total loans | $65,070,600 | 4,158 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 2,009 |
| Cost of funding earning assets | 0.4464% | 2,585 |
| Net interest margin | 3.9004% | 1,980 |
| Noninterest income to average assets | 1.6320% | 461 |
| Noninterest expense to average assets | 3.1251% | 1,961 |
| Loan and lease loss provision to assets | 0.2105% | 1,002 |
| Net operating income to assets | 1.9870% | 350 |
| Return on assets (ROA) | 1.9856% | 363 |
| Pretax return on assets | 1.9856% | 589 |
| Return on Equity (ROE) | 21.7842% | 166 |
| Retained earnings to average equity (ytd only) | 12.7627% | 234 |
| Net charge-offs to loans | -0.1735% | 5,725 |
| Credit loss provision to net charge-offs | -176.4706% | 4,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7134% | 4,720 |
| Assets per employee ($millions) | 4.2068% | 3,579 |
| Cash dividends to net income (ytd only)* | 41.4132% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 4,712 |
| Loan loss allowance to noncurrent loans | 1,389.1304% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 3,646 |
| Noncurrent loans to loans | 0.0676% | 5,076 |
| Net loans and leases to total assets | 69.7128% | 2,533 |
| Net loans and leases to deposits | 77.9242% | 3,188 |
| Net loans and leases to core deposits | 86.2613% | 2,926 |
| Total domestic deposits to total assets | 89.4623% | 689 |
| Equity capital to assets | 9.7884% | 4,370 |
| Core capital (leverage) ratio | 9.7394% | 3,890 |
| Tier 1 risk-based capital ratio | 12.8179% | 4,267 |
| Total risk-based capital ratio | 13.6926% | 4,407 |
| Memoranda: | ||
| Average total assets | $95,013,500 | 4,483 |
| Average earning assets | $89,902,750 | 4,423 |
| Average equity | $8,660,500 | 4,862 |
| Average total loans | $65,331,500 | 4,181 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 2,369 |
| Cost of funding earning assets | 0.4508% | 2,559 |
| Net interest margin | 3.7877% | 2,376 |
| Noninterest income to average assets | 0.4384% | 3,607 |
| Noninterest expense to average assets | 3.2341% | 1,732 |
| Loan and lease loss provision to assets | 0.2542% | 754 |
| Net operating income to assets | 0.5274% | 4,572 |
| Return on assets (ROA) | 0.5295% | 4,684 |
| Pretax return on assets | 0.5295% | 5,075 |
| Return on Equity (ROE) | 5.9592% | 4,067 |
| Retained earnings to average equity (ytd only) | -5.5540% | 5,770 |
| Net charge-offs to loans | -0.2732% | 5,869 |
| Credit loss provision to net charge-offs | -136.3636% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5380% | 1,441 |
| Assets per employee ($millions) | 4.0614% | 3,795 |
| Cash dividends to net income (ytd only)* | 193.2000% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 4,845 |
| Loan loss allowance to noncurrent loans | 816.0000% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 3,413 |
| Noncurrent loans to loans | 0.1140% | 4,990 |
| Net loans and leases to total assets | 69.7708% | 2,513 |
| Net loans and leases to deposits | 77.2957% | 3,231 |
| Net loans and leases to core deposits | 85.8017% | 2,920 |
| Total domestic deposits to total assets | 90.2647% | 396 |
| Equity capital to assets | 9.0191% | 5,221 |
| Core capital (leverage) ratio | 8.6759% | 5,193 |
| Tier 1 risk-based capital ratio | 11.7532% | 5,006 |
| Total risk-based capital ratio | 12.6196% | 5,129 |
| Memoranda: | ||
| Average total assets | $94,432,330 | 4,533 |
| Average earning assets | $89,183,670 | 4,482 |
| Average equity | $8,390,330 | 4,946 |
| Average total loans | $64,411,670 | 4,228 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1718% | 2,577 |
| Cost of funding earning assets | 0.4546% | 2,533 |
| Net interest margin | 3.7171% | 2,603 |
| Noninterest income to average assets | 0.4045% | 3,799 |
| Noninterest expense to average assets | 3.2525% | 1,718 |
| Loan and lease loss provision to assets | 0.2528% | 691 |
| Net operating income to assets | 0.4129% | 4,955 |
| Return on assets (ROA) | 0.4129% | 5,028 |
| Pretax return on assets | 0.4129% | 5,282 |
| Return on Equity (ROE) | 4.6817% | 4,633 |
| Retained earnings to average equity (ytd only) | -18.3925% | 5,951 |
| Net charge-offs to loans | -0.1569% | 5,783 |
| Credit loss provision to net charge-offs | -240.0000% | 4,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0108% | 1,257 |
| Assets per employee ($millions) | 4.1683% | 3,644 |
| Cash dividends to net income (ytd only)* | 492.8571% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7731% | 5,436 |
| Loan loss allowance to noncurrent loans | 978.0000% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 3,582 |
| Noncurrent loans to loans | 0.0791% | 5,161 |
| Net loans and leases to total assets | 65.4626% | 3,035 |
| Net loans and leases to deposits | 72.0995% | 3,643 |
| Net loans and leases to core deposits | 79.7557% | 3,339 |
| Total domestic deposits to total assets | 90.7948% | 329 |
| Equity capital to assets | 8.5543% | 5,528 |
| Core capital (leverage) ratio | 8.4530% | 5,435 |
| Tier 1 risk-based capital ratio | 11.9382% | 4,949 |
| Total risk-based capital ratio | 12.6545% | 5,187 |
| Memoranda: | ||
| Average total assets | $94,942,000 | 4,555 |
| Average earning assets | $89,746,500 | 4,508 |
| Average equity | $8,373,000 | 4,984 |
| Average total loans | $63,724,000 | 4,270 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 1,600 |
| Cost of funding earning assets | 0.4875% | 2,289 |
| Net interest margin | 4.0118% | 1,678 |
| Noninterest income to average assets | 0.5022% | 3,313 |
| Noninterest expense to average assets | 3.4474% | 1,390 |
| Loan and lease loss provision to assets | 0.2243% | 911 |
| Net operating income to assets | 0.5941% | 4,299 |
| Return on assets (ROA) | 0.5831% | 4,460 |
| Pretax return on assets | 0.5831% | 4,888 |
| Return on Equity (ROE) | 6.3595% | 3,864 |
| Retained earnings to average equity (ytd only) | -0.0119% | 5,514 |
| Net charge-offs to loans | 0.2334% | 1,277 |
| Credit loss provision to net charge-offs | 136.6667% | 1,914 |
| Earnings coverage of net charge-offs (x) | 4.9867% | 3,456 |
| Efficiency ratio | 80.8156% | 1,565 |
| Assets per employee ($millions) | 4.0876% | 3,780 |
| Cash dividends to net income (ytd only)* | 100.1876% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6308% | 5,753 |
| Loan loss allowance to noncurrent loans | 445.0549% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 3,456 |
| Noncurrent loans to loans | 0.1417% | 4,922 |
| Net loans and leases to total assets | 67.8569% | 2,722 |
| Net loans and leases to deposits | 75.1254% | 3,370 |
| Net loans and leases to core deposits | 82.8905% | 3,059 |
| Total domestic deposits to total assets | 90.3248% | 493 |
| Equity capital to assets | 9.0891% | 5,029 |
| Core capital (leverage) ratio | 8.9083% | 4,995 |
| Tier 1 risk-based capital ratio | 12.5517% | 4,600 |
| Total risk-based capital ratio | 13.1473% | 4,925 |
| Memoranda: | ||
| Average total assets | $91,401,000 | 4,638 |
| Average earning assets | $85,748,000 | 4,594 |
| Average equity | $8,381,200 | 4,982 |
| Average total loans | $64,276,400 | 4,251 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5519% | 1,447 |
| Cost of funding earning assets | 0.4927% | 2,290 |
| Net interest margin | 4.0593% | 1,533 |
| Noninterest income to average assets | 0.4878% | 3,461 |
| Noninterest expense to average assets | 3.4395% | 1,398 |
| Loan and lease loss provision to assets | 0.2130% | 901 |
| Net operating income to assets | 0.6362% | 4,204 |
| Return on assets (ROA) | 0.6230% | 4,383 |
| Pretax return on assets | 0.6230% | 4,916 |
| Return on Equity (ROE) | 6.7782% | 3,740 |
| Retained earnings to average equity (ytd only) | -1.2789% | 5,789 |
| Net charge-offs to loans | 0.3152% | 843 |
| Credit loss provision to net charge-offs | 95.3947% | 2,381 |
| Earnings coverage of net charge-offs (x) | 3.8027% | 3,451 |
| Efficiency ratio | 80.1987% | 1,635 |
| Assets per employee ($millions) | 4.0936% | 3,715 |
| Cash dividends to net income (ytd only)* | 118.8672% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5080% | 6,014 |
| Loan loss allowance to noncurrent loans | 288.2353% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 3,260 |
| Noncurrent loans to loans | 0.1763% | 4,947 |
| Net loans and leases to total assets | 71.3435% | 2,164 |
| Net loans and leases to deposits | 78.9506% | 2,998 |
| Net loans and leases to core deposits | 87.7698% | 2,680 |
| Total domestic deposits to total assets | 90.3646% | 439 |
| Equity capital to assets | 8.9386% | 5,363 |
| Core capital (leverage) ratio | 9.0255% | 4,964 |
| Tier 1 risk-based capital ratio | 11.9811% | 5,098 |
| Total risk-based capital ratio | 12.4671% | 5,435 |
| Memoranda: | ||
| Average total assets | $90,747,750 | 4,703 |
| Average earning assets | $84,972,500 | 4,661 |
| Average equity | $8,340,250 | 5,056 |
| Average total loans | $64,295,500 | 4,294 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 1,465 |
| Cost of funding earning assets | 0.4944% | 2,303 |
| Net interest margin | 4.0292% | 1,556 |
| Noninterest income to average assets | 0.4821% | 3,488 |
| Noninterest expense to average assets | 3.5174% | 1,275 |
| Loan and lease loss provision to assets | 0.0446% | 3,219 |
| Net operating income to assets | 0.6852% | 3,959 |
| Return on assets (ROA) | 0.6651% | 4,157 |
| Pretax return on assets | 0.6651% | 4,774 |
| Return on Equity (ROE) | 7.1678% | 3,515 |
| Retained earnings to average equity (ytd only) | -4.2333% | 5,988 |
| Net charge-offs to loans | 0.1329% | 1,705 |
| Credit loss provision to net charge-offs | 47.6190% | 2,730 |
| Earnings coverage of net charge-offs (x) | 7.7857% | 2,633 |
| Efficiency ratio | 82.8166% | 1,398 |
| Assets per employee ($millions) | 3.7311% | 4,364 |
| Cash dividends to net income (ytd only)* | 159.0604% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4911% | 6,096 |
| Loan loss allowance to noncurrent loans | 140.7725% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.7918% | 3,009 |
| Noncurrent loans to loans | 0.3489% | 4,445 |
| Net loans and leases to total assets | 74.2191% | 1,626 |
| Net loans and leases to deposits | 82.3220% | 2,518 |
| Net loans and leases to core deposits | 92.0640% | 2,151 |
| Total domestic deposits to total assets | 90.1571% | 592 |
| Equity capital to assets | 9.1941% | 5,024 |
| Core capital (leverage) ratio | 9.1412% | 4,761 |
| Tier 1 risk-based capital ratio | 12.1513% | 5,034 |
| Total risk-based capital ratio | 12.6281% | 5,462 |
| Memoranda: | ||
| Average total assets | $89,612,670 | 4,778 |
| Average earning assets | $83,738,330 | 4,741 |
| Average equity | $8,315,000 | 5,095 |
| Average total loans | $63,222,330 | 4,361 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4535% | 1,600 |
| Cost of funding earning assets | 0.4970% | 2,311 |
| Net interest margin | 3.9565% | 1,697 |
| Noninterest income to average assets | 0.4641% | 3,542 |
| Noninterest expense to average assets | 3.5116% | 1,279 |
| Loan and lease loss provision to assets | 0.0892% | 2,201 |
| Net operating income to assets | 0.5578% | 4,451 |
| Return on assets (ROA) | 0.5176% | 4,715 |
| Pretax return on assets | 0.5176% | 5,132 |
| Return on Equity (ROE) | 5.5529% | 4,256 |
| Retained earnings to average equity (ytd only) | -15.7013% | 6,226 |
| Net charge-offs to loans | -0.0130% | 4,844 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4421% | 1,324 |
| Assets per employee ($millions) | 3.7492% | 4,420 |
| Cash dividends to net income (ytd only)* | 382.7586% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6030% | 6,061 |
| Loan loss allowance to noncurrent loans | 248.6667% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 3,477 |
| Noncurrent loans to loans | 0.2425% | 4,909 |
| Net loans and leases to total assets | 68.3285% | 2,391 |
| Net loans and leases to deposits | 75.6832% | 3,090 |
| Net loans and leases to core deposits | 84.5764% | 2,706 |
| Total domestic deposits to total assets | 90.2823% | 616 |
| Equity capital to assets | 9.1454% | 5,143 |
| Core capital (leverage) ratio | 8.9718% | 4,981 |
| Tier 1 risk-based capital ratio | 12.7098% | 4,780 |
| Total risk-based capital ratio | 13.2874% | 5,114 |
| Memoranda: | ||
| Average total assets | $89,645,500 | 4,817 |
| Average earning assets | $83,710,000 | 4,782 |
| Average equity | $8,356,000 | 5,125 |
| Average total loans | $61,439,000 | 4,454 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 1,579 |
| Cost of funding earning assets | 0.4768% | 2,918 |
| Net interest margin | 4.1160% | 1,526 |
| Noninterest income to average assets | 0.4660% | 3,743 |
| Noninterest expense to average assets | 3.4828% | 1,519 |
| Loan and lease loss provision to assets | 0.1272% | 2,062 |
| Net operating income to assets | 0.6945% | 3,924 |
| Return on assets (ROA) | 0.6934% | 4,043 |
| Pretax return on assets | 0.6934% | 4,651 |
| Return on Equity (ROE) | 7.7298% | 3,257 |
| Retained earnings to average equity (ytd only) | 2.2085% | 4,676 |
| Net charge-offs to loans | 0.2083% | 2,005 |
| Credit loss provision to net charge-offs | 92.6230% | 2,587 |
| Earnings coverage of net charge-offs (x) | 5.9836% | 3,301 |
| Efficiency ratio | 80.9100% | 1,783 |
| Assets per employee ($millions) | 3.7213% | 4,486 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5736% | 6,179 |
| Loan loss allowance to noncurrent loans | 151.5152% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.7726% | 3,283 |
| Noncurrent loans to loans | 0.3785% | 4,506 |
| Net loans and leases to total assets | 67.9345% | 2,564 |
| Net loans and leases to deposits | 75.4592% | 3,263 |
| Net loans and leases to core deposits | 85.2113% | 2,761 |
| Total domestic deposits to total assets | 90.0281% | 724 |
| Equity capital to assets | 9.4983% | 4,727 |
| Core capital (leverage) ratio | 9.2593% | 4,590 |
| Tier 1 risk-based capital ratio | 13.4563% | 4,444 |
| Total risk-based capital ratio | 14.0080% | 4,789 |
| Memoranda: | ||
| Average total assets | $88,836,000 | 4,865 |
| Average earning assets | $82,848,400 | 4,826 |
| Average equity | $7,969,200 | 5,209 |
| Average total loans | $58,580,200 | 4,530 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5617% | 1,667 |
| Cost of funding earning assets | 0.4642% | 3,107 |
| Net interest margin | 4.0975% | 1,582 |
| Noninterest income to average assets | 0.4539% | 3,867 |
| Noninterest expense to average assets | 3.4776% | 1,507 |
| Loan and lease loss provision to assets | 0.1247% | 2,004 |
| Net operating income to assets | 0.6718% | 4,096 |
| Return on assets (ROA) | 0.6703% | 4,195 |
| Pretax return on assets | 0.6703% | 4,804 |
| Return on Equity (ROE) | 7.5841% | 3,406 |
| Retained earnings to average equity (ytd only) | 0.2720% | 5,726 |
| Net charge-offs to loans | 0.1955% | 1,905 |
| Credit loss provision to net charge-offs | 97.6471% | 2,287 |
| Earnings coverage of net charge-offs (x) | 6.2353% | 3,120 |
| Efficiency ratio | 81.3643% | 1,699 |
| Assets per employee ($millions) | 3.7375% | 4,421 |
| Cash dividends to net income (ytd only)* | 96.4130% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5527% | 6,282 |
| Loan loss allowance to noncurrent loans | 134.2105% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 3,402 |
| Noncurrent loans to loans | 0.4118% | 4,669 |
| Net loans and leases to total assets | 71.6087% | 1,920 |
| Net loans and leases to deposits | 79.3029% | 2,804 |
| Net loans and leases to core deposits | 88.3438% | 2,386 |
| Total domestic deposits to total assets | 90.2977% | 614 |
| Equity capital to assets | 9.1182% | 5,236 |
| Core capital (leverage) ratio | 9.4889% | 4,395 |
| Tier 1 risk-based capital ratio | 12.6360% | 5,073 |
| Total risk-based capital ratio | 13.1745% | 5,456 |
| Memoranda: | ||
| Average total assets | $88,717,250 | 4,922 |
| Average earning assets | $82,714,750 | 4,879 |
| Average equity | $7,840,750 | 5,284 |
| Average total loans | $57,969,500 | 4,592 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 2,134 |
| Cost of funding earning assets | 0.4635% | 3,178 |
| Net interest margin | 3.9485% | 1,977 |
| Noninterest income to average assets | 0.4729% | 3,687 |
| Noninterest expense to average assets | 3.4008% | 1,677 |
| Loan and lease loss provision to assets | 0.0634% | 3,002 |
| Net operating income to assets | 0.6901% | 3,894 |
| Return on assets (ROA) | 0.6992% | 3,932 |
| Pretax return on assets | 0.6992% | 4,641 |
| Return on Equity (ROE) | 7.9969% | 3,099 |
| Retained earnings to average equity (ytd only) | -1.9669% | 5,989 |
| Net charge-offs to loans | 0.1578% | 2,130 |
| Credit loss provision to net charge-offs | 63.6364% | 2,586 |
| Earnings coverage of net charge-offs (x) | 7.5682% | 2,609 |
| Efficiency ratio | 81.8627% | 1,759 |
| Assets per employee ($millions) | 3.7843% | 4,292 |
| Cash dividends to net income (ytd only)* | 124.5955% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5751% | 6,343 |
| Loan loss allowance to noncurrent loans | 88.6305% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 0.9662% | 3,128 |
| Noncurrent loans to loans | 0.6489% | 4,084 |
| Net loans and leases to total assets | 68.1254% | 2,392 |
| Net loans and leases to deposits | 75.4495% | 3,135 |
| Net loans and leases to core deposits | 83.2491% | 2,816 |
| Total domestic deposits to total assets | 90.2927% | 663 |
| Equity capital to assets | 9.1983% | 5,105 |
| Core capital (leverage) ratio | 9.3087% | 4,575 |
| Tier 1 risk-based capital ratio | 13.3083% | 4,715 |
| Total risk-based capital ratio | 13.8593% | 5,084 |
| Memoranda: | ||
| Average total assets | $88,389,670 | 4,965 |
| Average earning assets | $82,411,330 | 4,927 |
| Average equity | $7,728,000 | 5,334 |
| Average total loans | $55,762,670 | 4,699 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 2,639 |
| Cost of funding earning assets | 0.4630% | 3,281 |
| Net interest margin | 3.8054% | 2,452 |
| Noninterest income to average assets | 0.4491% | 3,802 |
| Noninterest expense to average assets | 3.3773% | 1,760 |
| Loan and lease loss provision to assets | 0.0494% | 3,106 |
| Net operating income to assets | 0.5659% | 4,377 |
| Return on assets (ROA) | 0.5659% | 4,453 |
| Pretax return on assets | 0.5659% | 4,955 |
| Return on Equity (ROE) | 6.6412% | 3,663 |
| Retained earnings to average equity (ytd only) | -11.8066% | 6,413 |
| Net charge-offs to loans | 0.2452% | 1,339 |
| Credit loss provision to net charge-offs | 33.3333% | 2,362 |
| Earnings coverage of net charge-offs (x) | 4.1515% | 2,564 |
| Efficiency ratio | 84.5894% | 1,605 |
| Assets per employee ($millions) | 3.9142% | 4,118 |
| Cash dividends to net income (ytd only)* | 277.7778% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6147% | 6,388 |
| Loan loss allowance to noncurrent loans | 155.2995% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.7476% | 3,880 |
| Noncurrent loans to loans | 0.3958% | 4,945 |
| Net loans and leases to total assets | 60.5203% | 3,470 |
| Net loans and leases to deposits | 66.4763% | 4,031 |
| Net loans and leases to core deposits | 72.7919% | 3,784 |
| Total domestic deposits to total assets | 91.0404% | 556 |
| Equity capital to assets | 8.5198% | 5,638 |
| Core capital (leverage) ratio | 8.9707% | 5,059 |
| Tier 1 risk-based capital ratio | 14.0584% | 4,293 |
| Total risk-based capital ratio | 14.6407% | 4,703 |
| Memoranda: | ||
| Average total assets | $89,065,500 | 4,995 |
| Average earning assets | $82,934,000 | 4,942 |
| Average equity | $7,589,000 | 5,397 |
| Average total loans | $53,825,000 | 4,797 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 2,521 |
| Cost of funding earning assets | 0.5041% | 3,567 |
| Net interest margin | 3.9139% | 2,240 |
| Noninterest income to average assets | 0.5297% | 3,553 |
| Noninterest expense to average assets | 3.4757% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7047% | 3,779 |
| Return on assets (ROA) | 0.7012% | 3,871 |
| Pretax return on assets | 0.7012% | 4,537 |
| Return on Equity (ROE) | 7.8259% | 3,127 |
| Retained earnings to average equity (ytd only) | 3.9195% | 3,416 |
| Net charge-offs to loans | 0.2461% | 2,501 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.1624% | 3,365 |
| Efficiency ratio | 83.1426% | 1,734 |
| Assets per employee ($millions) | 3.8307% | 4,199 |
| Cash dividends to net income (ytd only)* | 49.9168% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6796% | 6,372 |
| Loan loss allowance to noncurrent loans | 181.3131% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6844% | 4,195 |
| Noncurrent loans to loans | 0.3748% | 5,068 |
| Net loans and leases to total assets | 59.5539% | 3,788 |
| Net loans and leases to deposits | 65.3734% | 4,372 |
| Net loans and leases to core deposits | 71.7274% | 4,106 |
| Total domestic deposits to total assets | 91.0981% | 536 |
| Equity capital to assets | 8.5217% | 5,559 |
| Core capital (leverage) ratio | 9.3080% | 4,537 |
| Tier 1 risk-based capital ratio | 14.9807% | 3,682 |
| Total risk-based capital ratio | 15.6240% | 3,976 |
| Memoranda: | ||
| Average total assets | $85,710,200 | 5,093 |
| Average earning assets | $79,945,600 | 5,036 |
| Average equity | $7,679,600 | 5,418 |
| Average total loans | $47,545,200 | 5,048 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3657% | 2,705 |
| Cost of funding earning assets | 0.5063% | 3,716 |
| Net interest margin | 3.8594% | 2,425 |
| Noninterest income to average assets | 0.5295% | 3,594 |
| Noninterest expense to average assets | 3.5122% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6235% | 4,248 |
| Return on assets (ROA) | 0.6251% | 4,365 |
| Pretax return on assets | 0.6251% | 4,931 |
| Return on Equity (ROE) | 6.8888% | 3,718 |
| Retained earnings to average equity (ytd only) | 1.7093% | 5,285 |
| Net charge-offs to loans | 0.2134% | 2,546 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.3786% | 3,207 |
| Efficiency ratio | 84.9242% | 1,484 |
| Assets per employee ($millions) | 3.6677% | 4,515 |
| Cash dividends to net income (ytd only)* | 75.1875% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7476% | 6,377 |
| Loan loss allowance to noncurrent loans | 109.8361% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.8986% | 3,890 |
| Noncurrent loans to loans | 0.6807% | 4,499 |
| Net loans and leases to total assets | 60.6301% | 3,589 |
| Net loans and leases to deposits | 66.5806% | 4,229 |
| Net loans and leases to core deposits | 73.0602% | 3,965 |
| Total domestic deposits to total assets | 91.0627% | 505 |
| Equity capital to assets | 8.4693% | 5,766 |
| Core capital (leverage) ratio | 9.3384% | 4,634 |
| Tier 1 risk-based capital ratio | 14.2391% | 4,262 |
| Total risk-based capital ratio | 14.9408% | 4,591 |
| Memoranda: | ||
| Average total assets | $85,111,500 | 5,158 |
| Average earning assets | $79,527,250 | 5,100 |
| Average equity | $7,722,500 | 5,467 |
| Average total loans | $46,224,250 | 5,152 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 2,793 |
| Cost of funding earning assets | 0.5087% | 3,815 |
| Net interest margin | 3.8308% | 2,445 |
| Noninterest income to average assets | 0.6418% | 2,959 |
| Noninterest expense to average assets | 3.5678% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6513% | 4,053 |
| Return on assets (ROA) | 0.6584% | 4,186 |
| Pretax return on assets | 0.6608% | 4,810 |
| Return on Equity (ROE) | 7.0920% | 3,548 |
| Retained earnings to average equity (ytd only) | -0.5889% | 5,978 |
| Net charge-offs to loans | 0.2791% | 2,091 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.5082% | 3,112 |
| Efficiency ratio | 84.5158% | 1,575 |
| Assets per employee ($millions) | 3.7337% | 4,338 |
| Cash dividends to net income (ytd only)* | 108.3032% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 6,206 |
| Loan loss allowance to noncurrent loans | 114.9584% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8920% | 4,002 |
| Noncurrent loans to loans | 0.7617% | 4,396 |
| Net loans and leases to total assets | 54.7069% | 4,493 |
| Net loans and leases to deposits | 60.3362% | 4,938 |
| Net loans and leases to core deposits | 66.3967% | 4,652 |
| Total domestic deposits to total assets | 90.6701% | 673 |
| Equity capital to assets | 8.9200% | 5,300 |
| Core capital (leverage) ratio | 9.0488% | 4,910 |
| Tier 1 risk-based capital ratio | 15.5842% | 3,435 |
| Total risk-based capital ratio | 16.3890% | 3,647 |
| Memoranda: | ||
| Average total assets | $84,140,670 | 5,218 |
| Average earning assets | $78,625,670 | 5,148 |
| Average equity | $7,811,670 | 5,479 |
| Average total loans | $43,708,670 | 5,275 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 2,972 |
| Cost of funding earning assets | 0.5100% | 3,972 |
| Net interest margin | 3.7709% | 2,563 |
| Noninterest income to average assets | 0.7830% | 2,198 |
| Noninterest expense to average assets | 3.5113% | 1,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7878% | 3,232 |
| Return on assets (ROA) | 0.8406% | 3,089 |
| Pretax return on assets | 0.8406% | 3,997 |
| Return on Equity (ROE) | 8.8748% | 2,536 |
| Retained earnings to average equity (ytd only) | -6.3391% | 6,434 |
| Net charge-offs to loans | -0.0669% | 6,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6760% | 2,087 |
| Assets per employee ($millions) | 3.9614% | 4,036 |
| Cash dividends to net income (ytd only)* | 171.4286% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 5,612 |
| Loan loss allowance to noncurrent loans | 142.0588% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 4,284 |
| Noncurrent loans to loans | 0.7736% | 4,573 |
| Net loans and leases to total assets | 47.7067% | 5,257 |
| Net loans and leases to deposits | 52.7045% | 5,552 |
| Net loans and leases to core deposits | 57.2296% | 5,417 |
| Total domestic deposits to total assets | 90.5173% | 758 |
| Equity capital to assets | 9.1688% | 5,293 |
| Core capital (leverage) ratio | 9.5255% | 4,036 |
| Tier 1 risk-based capital ratio | 16.4149% | 3,057 |
| Total risk-based capital ratio | 17.4142% | 3,126 |
| Memoranda: | ||
| Average total assets | $83,274,000 | 5,290 |
| Average earning assets | $77,646,500 | 5,218 |
| Average equity | $7,887,500 | 5,520 |
| Average total loans | $41,866,000 | 5,384 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0297% | 1,479 |
| Cost of funding earning assets | 0.6689% | 3,748 |
| Net interest margin | 4.3608% | 1,249 |
| Noninterest income to average assets | 0.5288% | 3,719 |
| Noninterest expense to average assets | 3.3143% | 2,291 |
| Loan and lease loss provision to assets | -0.2754% | 7,005 |
| Net operating income to assets | 1.3412% | 1,212 |
| Return on assets (ROA) | 1.3412% | 1,336 |
| Pretax return on assets | 1.3412% | 2,247 |
| Return on Equity (ROE) | 13.8007% | 1,030 |
| Retained earnings to average equity (ytd only) | 6.0786% | 2,029 |
| Net charge-offs to loans | -0.3239% | 6,985 |
| Credit loss provision to net charge-offs | 157.4803% | 1,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6680% | 2,809 |
| Assets per employee ($millions) | 4.4374% | 3,074 |
| Cash dividends to net income (ytd only)* | 55.9548% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 5,129 |
| Loan loss allowance to noncurrent loans | 141.2463% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 4,198 |
| Noncurrent loans to loans | 0.8471% | 4,494 |
| Net loans and leases to total assets | 52.1058% | 4,911 |
| Net loans and leases to deposits | 57.9888% | 5,239 |
| Net loans and leases to core deposits | 64.7801% | 4,869 |
| Total domestic deposits to total assets | 89.8548% | 1,037 |
| Equity capital to assets | 9.8376% | 4,400 |
| Core capital (leverage) ratio | 9.0283% | 4,853 |
| Tier 1 risk-based capital ratio | 16.3713% | 2,952 |
| Total risk-based capital ratio | 17.5158% | 2,975 |
| Memoranda: | ||
| Average total assets | $72,623,800 | 5,561 |
| Average earning assets | $64,139,200 | 5,603 |
| Average equity | $7,057,600 | 5,746 |
| Average total loans | $39,213,200 | 5,543 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 1,444 |
| Cost of funding earning assets | 0.6950% | 3,815 |
| Net interest margin | 4.3994% | 1,201 |
| Noninterest income to average assets | 0.5339% | 3,721 |
| Noninterest expense to average assets | 3.2665% | 2,367 |
| Loan and lease loss provision to assets | -0.3708% | 7,132 |
| Net operating income to assets | 1.4757% | 1,066 |
| Return on assets (ROA) | 1.4757% | 1,182 |
| Pretax return on assets | 1.4757% | 1,980 |
| Return on Equity (ROE) | 15.2339% | 860 |
| Retained earnings to average equity (ytd only) | 4.8037% | 3,511 |
| Net charge-offs to loans | -0.4232% | 7,086 |
| Credit loss provision to net charge-offs | 161.2903% | 1,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7243% | 2,872 |
| Assets per employee ($millions) | 4.3388% | 3,192 |
| Cash dividends to net income (ytd only)* | 68.4673% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 5,362 |
| Loan loss allowance to noncurrent loans | 124.4094% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.9992% | 4,283 |
| Noncurrent loans to loans | 0.9500% | 4,537 |
| Net loans and leases to total assets | 53.7310% | 4,787 |
| Net loans and leases to deposits | 59.8788% | 5,225 |
| Net loans and leases to core deposits | 66.5156% | 4,898 |
| Total domestic deposits to total assets | 89.7329% | 978 |
| Equity capital to assets | 9.8373% | 4,728 |
| Core capital (leverage) ratio | 9.2837% | 4,613 |
| Tier 1 risk-based capital ratio | 15.8009% | 3,376 |
| Total risk-based capital ratio | 16.9304% | 3,403 |
| Memoranda: | ||
| Average total assets | $71,921,000 | 5,637 |
| Average earning assets | $62,734,000 | 5,706 |
| Average equity | $6,966,750 | 5,842 |
| Average total loans | $39,071,000 | 5,615 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1813% | 1,309 |
| Cost of funding earning assets | 0.7201% | 3,851 |
| Net interest margin | 4.4612% | 1,061 |
| Noninterest income to average assets | 0.5329% | 3,704 |
| Noninterest expense to average assets | 3.3489% | 2,159 |
| Loan and lease loss provision to assets | -0.5609% | 7,210 |
| Net operating income to assets | 1.5678% | 883 |
| Return on assets (ROA) | 1.5678% | 995 |
| Pretax return on assets | 1.5678% | 1,647 |
| Return on Equity (ROE) | 16.2729% | 730 |
| Retained earnings to average equity (ytd only) | 4.4830% | 3,618 |
| Net charge-offs to loans | -0.6559% | 7,156 |
| Credit loss provision to net charge-offs | 157.4803% | 1,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8835% | 2,619 |
| Assets per employee ($millions) | 4.1225% | 3,626 |
| Cash dividends to net income (ytd only)* | 72.4508% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 5,369 |
| Loan loss allowance to noncurrent loans | 170.9677% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.9061% | 4,560 |
| Noncurrent loans to loans | 0.6998% | 5,104 |
| Net loans and leases to total assets | 56.2056% | 4,435 |
| Net loans and leases to deposits | 62.8150% | 4,898 |
| Net loans and leases to core deposits | 70.2064% | 4,515 |
| Total domestic deposits to total assets | 89.4780% | 1,232 |
| Equity capital to assets | 10.1467% | 4,127 |
| Core capital (leverage) ratio | 9.2198% | 4,578 |
| Tier 1 risk-based capital ratio | 15.6468% | 3,362 |
| Total risk-based capital ratio | 16.7892% | 3,379 |
| Memoranda: | ||
| Average total assets | $71,308,000 | 5,689 |
| Average earning assets | $61,104,000 | 5,798 |
| Average equity | $6,870,330 | 5,886 |
| Average total loans | $38,726,000 | 5,657 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1062% | 1,554 |
| Cost of funding earning assets | 0.7434% | 3,913 |
| Net interest margin | 4.3627% | 1,305 |
| Noninterest income to average assets | 0.5061% | 3,872 |
| Noninterest expense to average assets | 3.4482% | 1,881 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7786% | 3,483 |
| Return on assets (ROA) | 0.7786% | 3,724 |
| Pretax return on assets | 0.7786% | 4,498 |
| Return on Equity (ROE) | 8.2963% | 3,142 |
| Retained earnings to average equity (ytd only) | -12.4444% | 6,909 |
| Net charge-offs to loans | 0.1573% | 3,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,853 |
| Efficiency ratio | 81.5789% | 1,990 |
| Assets per employee ($millions) | 4.1992% | 3,577 |
| Cash dividends to net income (ytd only)* | 250.0000% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 4,558 |
| Loan loss allowance to noncurrent loans | 144.3243% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0170% | 4,456 |
| Noncurrent loans to loans | 0.9786% | 4,718 |
| Net loans and leases to total assets | 52.2189% | 4,985 |
| Net loans and leases to deposits | 57.7159% | 5,416 |
| Net loans and leases to core deposits | 64.2862% | 5,076 |
| Total domestic deposits to total assets | 90.4757% | 816 |
| Equity capital to assets | 9.2203% | 5,206 |
| Core capital (leverage) ratio | 8.4920% | 5,609 |
| Tier 1 risk-based capital ratio | 15.7539% | 3,317 |
| Total risk-based capital ratio | 16.7752% | 3,406 |
| Memoranda: | ||
| Average total assets | $71,921,000 | 5,713 |
| Average earning assets | $61,337,500 | 5,830 |
| Average equity | $6,750,000 | 5,948 |
| Average total loans | $38,155,500 | 5,724 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3077% | 1,675 |
| Cost of funding earning assets | 0.9387% | 3,798 |
| Net interest margin | 4.3691% | 1,480 |
| Noninterest income to average assets | 0.6036% | 3,143 |
| Noninterest expense to average assets | 3.3676% | 2,321 |
| Loan and lease loss provision to assets | 0.2007% | 4,178 |
| Net operating income to assets | 0.8788% | 2,700 |
| Return on assets (ROA) | 0.8788% | 2,834 |
| Pretax return on assets | 0.8788% | 3,679 |
| Return on Equity (ROE) | 9.6347% | 2,195 |
| Retained earnings to average equity (ytd only) | 4.5266% | 2,950 |
| Net charge-offs to loans | 0.5797% | 2,710 |
| Credit loss provision to net charge-offs | 58.8235% | 5,196 |
| Earnings coverage of net charge-offs (x) | 3.1639% | 3,627 |
| Efficiency ratio | 75.7253% | 2,926 |
| Assets per employee ($millions) | 4.0253% | 3,797 |
| Cash dividends to net income (ytd only)* | 53.0179% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 4,348 |
| Loan loss allowance to noncurrent loans | 164.8649% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.9509% | 4,707 |
| Noncurrent loans to loans | 0.8649% | 4,960 |
| Net loans and leases to total assets | 52.3780% | 5,253 |
| Net loans and leases to deposits | 58.0539% | 5,693 |
| Net loans and leases to core deposits | 64.5733% | 5,407 |
| Total domestic deposits to total assets | 90.2230% | 866 |
| Equity capital to assets | 9.5479% | 4,805 |
| Core capital (leverage) ratio | 8.8794% | 4,979 |
| Tier 1 risk-based capital ratio | 16.0217% | 3,036 |
| Total risk-based capital ratio | 17.0865% | 3,097 |
| Memoranda: | ||
| Average total assets | $69,753,400 | 5,748 |
| Average earning assets | $61,363,400 | 5,822 |
| Average equity | $6,362,400 | 6,054 |
| Average total loans | $41,053,800 | 5,641 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3070% | 1,828 |
| Cost of funding earning assets | 0.9895% | 3,754 |
| Net interest margin | 4.3175% | 1,653 |
| Noninterest income to average assets | 0.4999% | 3,870 |
| Noninterest expense to average assets | 3.3932% | 2,204 |
| Loan and lease loss provision to assets | 0.2702% | 3,341 |
| Net operating income to assets | 0.6852% | 3,691 |
| Return on assets (ROA) | 0.6852% | 3,863 |
| Pretax return on assets | 0.6852% | 4,536 |
| Return on Equity (ROE) | 7.6054% | 3,223 |
| Retained earnings to average equity (ytd only) | 0.6427% | 5,758 |
| Net charge-offs to loans | 0.8091% | 1,943 |
| Credit loss provision to net charge-offs | 55.3360% | 4,917 |
| Earnings coverage of net charge-offs (x) | 1.9565% | 4,190 |
| Efficiency ratio | 78.0293% | 2,542 |
| Assets per employee ($millions) | 4.0771% | 3,683 |
| Cash dividends to net income (ytd only)* | 91.5491% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 5,095 |
| Loan loss allowance to noncurrent loans | 63.7560% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 2.1541% | 2,969 |
| Noncurrent loans to loans | 2.0088% | 3,355 |
| Net loans and leases to total assets | 59.2734% | 4,276 |
| Net loans and leases to deposits | 65.8592% | 4,927 |
| Net loans and leases to core deposits | 73.1274% | 4,572 |
| Total domestic deposits to total assets | 90.0001% | 865 |
| Equity capital to assets | 9.6305% | 4,889 |
| Core capital (leverage) ratio | 8.7950% | 5,272 |
| Tier 1 risk-based capital ratio | 14.4861% | 3,989 |
| Total risk-based capital ratio | 15.4798% | 4,141 |
| Memoranda: | ||
| Average total assets | $69,077,750 | 5,809 |
| Average earning assets | $61,577,750 | 5,854 |
| Average equity | $6,223,500 | 6,139 |
| Average total loans | $41,692,250 | 5,658 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2021% | 2,249 |
| Cost of funding earning assets | 1.0198% | 3,821 |
| Net interest margin | 4.1823% | 2,111 |
| Noninterest income to average assets | 0.6290% | 2,956 |
| Noninterest expense to average assets | 3.4377% | 2,162 |
| Loan and lease loss provision to assets | 0.3478% | 2,699 |
| Net operating income to assets | 0.6116% | 4,003 |
| Return on assets (ROA) | 0.6116% | 4,131 |
| Pretax return on assets | 0.6116% | 4,708 |
| Return on Equity (ROE) | 6.9488% | 3,470 |
| Retained earnings to average equity (ytd only) | -3.7543% | 6,451 |
| Net charge-offs to loans | 0.8581% | 1,794 |
| Credit loss provision to net charge-offs | 67.0391% | 4,139 |
| Earnings coverage of net charge-offs (x) | 1.8492% | 3,946 |
| Efficiency ratio | 78.1806% | 2,681 |
| Assets per employee ($millions) | 4.0417% | 3,674 |
| Cash dividends to net income (ytd only)* | 154.0284% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 4,566 |
| Loan loss allowance to noncurrent loans | 64.7903% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9241% | 3,344 |
| Noncurrent loans to loans | 2.1611% | 3,268 |
| Net loans and leases to total assets | 60.1610% | 4,242 |
| Net loans and leases to deposits | 66.4320% | 4,931 |
| Net loans and leases to core deposits | 73.7774% | 4,604 |
| Total domestic deposits to total assets | 90.5602% | 694 |
| Equity capital to assets | 9.1240% | 5,389 |
| Core capital (leverage) ratio | 8.5126% | 5,534 |
| Tier 1 risk-based capital ratio | 14.1807% | 4,031 |
| Total risk-based capital ratio | 15.2717% | 4,133 |
| Memoranda: | ||
| Average total assets | $69,000,000 | 5,853 |
| Average earning assets | $62,166,670 | 5,883 |
| Average equity | $6,073,000 | 6,218 |
| Average total loans | $41,717,670 | 5,720 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0361% | 2,925 |
| Cost of funding earning assets | 1.0548% | 3,818 |
| Net interest margin | 3.9813% | 2,767 |
| Noninterest income to average assets | 0.6248% | 3,006 |
| Noninterest expense to average assets | 3.3090% | 2,528 |
| Loan and lease loss provision to assets | 0.5785% | 1,495 |
| Net operating income to assets | 0.3182% | 5,317 |
| Return on assets (ROA) | 0.3182% | 5,396 |
| Pretax return on assets | 0.3182% | 5,605 |
| Return on Equity (ROE) | 3.6820% | 5,052 |
| Retained earnings to average equity (ytd only) | -18.0753% | 7,118 |
| Net charge-offs to loans | 0.5959% | 2,003 |
| Credit loss provision to net charge-offs | 161.2903% | 1,789 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,083 |
| Efficiency ratio | 78.6795% | 2,737 |
| Assets per employee ($millions) | 4.1161% | 3,605 |
| Cash dividends to net income (ytd only)* | 590.9091% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6693% | 3,449 |
| Loan loss allowance to noncurrent loans | 54.8957% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.3752% | 2,871 |
| Noncurrent loans to loans | 3.0408% | 2,472 |
| Net loans and leases to total assets | 57.5814% | 4,708 |
| Net loans and leases to deposits | 62.9759% | 5,389 |
| Net loans and leases to core deposits | 69.7250% | 5,083 |
| Total domestic deposits to total assets | 91.4340% | 433 |
| Equity capital to assets | 8.3131% | 6,148 |
| Core capital (leverage) ratio | 8.3256% | 5,761 |
| Tier 1 risk-based capital ratio | 14.0479% | 4,042 |
| Total risk-based capital ratio | 15.3243% | 4,001 |
| Memoranda: | ||
| Average total assets | $69,145,500 | 5,891 |
| Average earning assets | $62,190,500 | 5,930 |
| Average equity | $5,975,000 | 6,257 |
| Average total loans | $41,615,000 | 5,780 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1281% | 660 |
| Cost of funding earning assets | 1.4697% | 2,825 |
| Net interest margin | 4.6584% | 892 |
| Noninterest income to average assets | 0.5283% | 3,971 |
| Noninterest expense to average assets | 3.1155% | 3,397 |
| Loan and lease loss provision to assets | 0.4989% | 3,154 |
| Net operating income to assets | 1.0243% | 1,952 |
| Return on assets (ROA) | 1.0610% | 1,925 |
| Pretax return on assets | 1.0625% | 2,724 |
| Return on Equity (ROE) | 11.9591% | 1,320 |
| Retained earnings to average equity (ytd only) | 8.6509% | 799 |
| Net charge-offs to loans | 0.3878% | 4,099 |
| Credit loss provision to net charge-offs | 202.3810% | 1,537 |
| Earnings coverage of net charge-offs (x) | 6.1845% | 2,417 |
| Efficiency ratio | 67.1410% | 4,733 |
| Assets per employee ($millions) | 4.0186% | 3,743 |
| Cash dividends to net income (ytd only)* | 27.6625% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 3,863 |
| Loan loss allowance to noncurrent loans | 59.7043% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 2.1927% | 3,107 |
| Noncurrent loans to loans | 2.5607% | 2,970 |
| Net loans and leases to total assets | 60.9043% | 4,507 |
| Net loans and leases to deposits | 67.0805% | 5,238 |
| Net loans and leases to core deposits | 74.8925% | 4,862 |
| Total domestic deposits to total assets | 90.7929% | 696 |
| Equity capital to assets | 8.9773% | 5,173 |
| Core capital (leverage) ratio | 8.6202% | 5,161 |
| Tier 1 risk-based capital ratio | 14.2733% | 3,694 |
| Total risk-based capital ratio | 15.5409% | 3,634 |
| Memoranda: | ||
| Average total assets | $68,143,800 | 5,930 |
| Average earning assets | $60,149,000 | 5,993 |
| Average equity | $6,045,600 | 6,344 |
| Average total loans | $43,321,600 | 5,775 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1030% | 757 |
| Cost of funding earning assets | 1.5507% | 2,672 |
| Net interest margin | 4.5523% | 1,148 |
| Noninterest income to average assets | 0.6676% | 3,026 |
| Noninterest expense to average assets | 3.1756% | 3,010 |
| Loan and lease loss provision to assets | 0.4307% | 3,325 |
| Net operating income to assets | 1.0788% | 1,970 |
| Return on assets (ROA) | 1.1277% | 1,915 |
| Pretax return on assets | 1.1277% | 2,741 |
| Return on Equity (ROE) | 12.7492% | 1,331 |
| Retained earnings to average equity (ytd only) | 8.3224% | 1,304 |
| Net charge-offs to loans | 0.1254% | 5,298 |
| Credit loss provision to net charge-offs | 536.5854% | 536 |
| Earnings coverage of net charge-offs (x) | 18.8032% | 1,234 |
| Efficiency ratio | 67.7810% | 4,507 |
| Assets per employee ($millions) | 4.0578% | 3,722 |
| Cash dividends to net income (ytd only)* | 34.7223% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 3,931 |
| Loan loss allowance to noncurrent loans | 70.4423% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 2.3238% | 3,057 |
| Noncurrent loans to loans | 2.1363% | 3,532 |
| Net loans and leases to total assets | 61.9573% | 4,540 |
| Net loans and leases to deposits | 68.5507% | 5,342 |
| Net loans and leases to core deposits | 76.5018% | 4,992 |
| Total domestic deposits to total assets | 90.3817% | 685 |
| Equity capital to assets | 9.2081% | 5,299 |
| Core capital (leverage) ratio | 8.5094% | 5,488 |
| Tier 1 risk-based capital ratio | 13.5286% | 4,183 |
| Total risk-based capital ratio | 14.7961% | 4,117 |
| Memoranda: | ||
| Average total assets | $68,100,500 | 5,998 |
| Average earning assets | $60,100,000 | 6,061 |
| Average equity | $6,023,750 | 6,436 |
| Average total loans | $43,588,500 | 5,847 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0920% | 768 |
| Cost of funding earning assets | 1.6019% | 2,643 |
| Net interest margin | 4.4901% | 1,223 |
| Noninterest income to average assets | 0.6784% | 2,829 |
| Noninterest expense to average assets | 3.2711% | 2,657 |
| Loan and lease loss provision to assets | 0.2360% | 4,557 |
| Net operating income to assets | 1.1562% | 1,682 |
| Return on assets (ROA) | 1.1562% | 1,743 |
| Pretax return on assets | 1.1562% | 2,562 |
| Return on Equity (ROE) | 13.2559% | 1,184 |
| Retained earnings to average equity (ytd only) | 6.4927% | 2,076 |
| Net charge-offs to loans | 0.1420% | 4,804 |
| Credit loss provision to net charge-offs | 258.0645% | 1,475 |
| Earnings coverage of net charge-offs (x) | 15.2258% | 1,467 |
| Efficiency ratio | 70.1455% | 4,166 |
| Assets per employee ($millions) | 3.2807% | 5,479 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 5,520 |
| Loan loss allowance to noncurrent loans | 35.9945% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 2.4356% | 2,955 |
| Noncurrent loans to loans | 3.3018% | 2,428 |
| Net loans and leases to total assets | 63.1158% | 4,440 |
| Net loans and leases to deposits | 69.5294% | 5,343 |
| Net loans and leases to core deposits | 77.5582% | 5,016 |
| Total domestic deposits to total assets | 90.7757% | 574 |
| Equity capital to assets | 8.8716% | 5,641 |
| Core capital (leverage) ratio | 8.4630% | 5,472 |
| Tier 1 risk-based capital ratio | 12.9779% | 4,466 |
| Total risk-based capital ratio | 14.1560% | 4,475 |
| Memoranda: | ||
| Average total assets | $67,806,330 | 6,048 |
| Average earning assets | $60,177,330 | 6,097 |
| Average equity | $5,914,330 | 6,496 |
| Average total loans | $43,653,670 | 5,881 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0677% | 844 |
| Cost of funding earning assets | 1.6189% | 2,844 |
| Net interest margin | 4.4488% | 1,257 |
| Noninterest income to average assets | 0.7434% | 2,340 |
| Noninterest expense to average assets | 3.3481% | 2,381 |
| Loan and lease loss provision to assets | 0.1189% | 5,404 |
| Net operating income to assets | 1.2964% | 1,309 |
| Return on assets (ROA) | 1.2964% | 1,376 |
| Pretax return on assets | 1.2964% | 2,059 |
| Return on Equity (ROE) | 14.9944% | 878 |
| Retained earnings to average equity (ytd only) | 1.2381% | 5,321 |
| Net charge-offs to loans | 0.2760% | 3,312 |
| Credit loss provision to net charge-offs | 66.6667% | 4,165 |
| Earnings coverage of net charge-offs (x) | 7.9333% | 2,017 |
| Efficiency ratio | 70.2871% | 4,246 |
| Assets per employee ($millions) | 3.3761% | 5,354 |
| Cash dividends to net income (ytd only)* | 91.7431% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 6,143 |
| Loan loss allowance to noncurrent loans | 35.3389% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 2.4392% | 2,976 |
| Noncurrent loans to loans | 3.0313% | 2,644 |
| Net loans and leases to total assets | 63.4623% | 4,437 |
| Net loans and leases to deposits | 69.7172% | 5,388 |
| Net loans and leases to core deposits | 77.9194% | 5,027 |
| Total domestic deposits to total assets | 91.0281% | 530 |
| Equity capital to assets | 8.6935% | 5,743 |
| Core capital (leverage) ratio | 8.2986% | 5,745 |
| Tier 1 risk-based capital ratio | 12.7946% | 4,486 |
| Total risk-based capital ratio | 13.8571% | 4,599 |
| Memoranda: | ||
| Average total assets | $67,262,500 | 6,128 |
| Average earning assets | $60,781,000 | 6,143 |
| Average equity | $5,815,500 | 6,584 |
| Average total loans | $43,477,500 | 5,962 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2109% | 1,214 |
| Cost of funding earning assets | 1.9811% | 3,052 |
| Net interest margin | 4.2298% | 1,974 |
| Noninterest income to average assets | 0.4532% | 4,779 |
| Noninterest expense to average assets | 3.0198% | 4,071 |
| Loan and lease loss provision to assets | 0.8122% | 2,695 |
| Net operating income to assets | 0.4263% | 4,022 |
| Return on assets (ROA) | 0.4263% | 4,129 |
| Pretax return on assets | 0.4278% | 4,405 |
| Return on Equity (ROE) | 4.8872% | 3,716 |
| Retained earnings to average equity (ytd only) | -0.3601% | 5,048 |
| Net charge-offs to loans | 1.1586% | 2,113 |
| Credit loss provision to net charge-offs | 105.8480% | 5,237 |
| Earnings coverage of net charge-offs (x) | 1.6160% | 4,531 |
| Efficiency ratio | 70.8919% | 4,458 |
| Assets per employee ($millions) | 3.1906% | 5,747 |
| Cash dividends to net income (ytd only)* | 107.3684% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 5,966 |
| Loan loss allowance to noncurrent loans | 36.8298% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 2.4193% | 2,874 |
| Noncurrent loans to loans | 2.9491% | 2,608 |
| Net loans and leases to total assets | 64.4240% | 4,508 |
| Net loans and leases to deposits | 70.6932% | 5,512 |
| Net loans and leases to core deposits | 86.9511% | 5,433 |
| Total domestic deposits to total assets | 91.1317% | 484 |
| Equity capital to assets | 8.5981% | 5,730 |
| Core capital (leverage) ratio | 8.1956% | 5,818 |
| Tier 1 risk-based capital ratio | 12.9460% | 4,174 |
| Total risk-based capital ratio | 14.0479% | 4,235 |
| Memoranda: | ||
| Average total assets | $66,859,000 | 6,113 |
| Average earning assets | $60,168,200 | 6,119 |
| Average equity | $5,831,600 | 6,657 |
| Average total loans | $44,279,400 | 5,920 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2255% | 1,309 |
| Cost of funding earning assets | 2.0981% | 2,900 |
| Net interest margin | 4.1274% | 2,297 |
| Noninterest income to average assets | 0.5667% | 3,955 |
| Noninterest expense to average assets | 3.1426% | 3,491 |
| Loan and lease loss provision to assets | 0.5567% | 3,162 |
| Net operating income to assets | 0.5806% | 3,676 |
| Return on assets (ROA) | 0.5806% | 3,747 |
| Pretax return on assets | 0.5806% | 4,252 |
| Return on Equity (ROE) | 6.6332% | 3,246 |
| Retained earnings to average equity (ytd only) | -0.3419% | 5,302 |
| Net charge-offs to loans | 0.4830% | 3,299 |
| Credit loss provision to net charge-offs | 173.2919% | 2,673 |
| Earnings coverage of net charge-offs (x) | 3.5404% | 3,488 |
| Efficiency ratio | 73.4266% | 3,972 |
| Assets per employee ($millions) | 3.1548% | 5,770 |
| Cash dividends to net income (ytd only)* | 105.1548% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 4,882 |
| Loan loss allowance to noncurrent loans | 34.7128% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 3.0460% | 2,270 |
| Noncurrent loans to loans | 3.5824% | 2,085 |
| Net loans and leases to total assets | 67.3675% | 4,100 |
| Net loans and leases to deposits | 74.3962% | 5,306 |
| Net loans and leases to core deposits | 92.3445% | 5,205 |
| Total domestic deposits to total assets | 90.5525% | 565 |
| Equity capital to assets | 8.9177% | 5,609 |
| Core capital (leverage) ratio | 8.3198% | 5,804 |
| Tier 1 risk-based capital ratio | 12.5710% | 4,492 |
| Total risk-based capital ratio | 13.8180% | 4,445 |
| Memoranda: | ||
| Average total assets | $66,823,000 | 6,165 |
| Average earning assets | $60,117,000 | 6,166 |
| Average equity | $5,849,250 | 6,722 |
| Average total loans | $44,439,250 | 5,952 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3337% | 1,133 |
| Cost of funding earning assets | 2.1056% | 3,238 |
| Net interest margin | 4.2281% | 1,884 |
| Noninterest income to average assets | 0.5641% | 3,934 |
| Noninterest expense to average assets | 3.0143% | 4,025 |
| Loan and lease loss provision to assets | 0.4596% | 3,227 |
| Net operating income to assets | 0.8416% | 2,693 |
| Return on assets (ROA) | 0.8416% | 2,790 |
| Pretax return on assets | 0.8416% | 3,535 |
| Return on Equity (ROE) | 9.6746% | 2,143 |
| Retained earnings to average equity (ytd only) | -0.8234% | 5,436 |
| Net charge-offs to loans | 0.0996% | 5,165 |
| Credit loss provision to net charge-offs | 700.0000% | 671 |
| Earnings coverage of net charge-offs (x) | 19.8182% | 1,343 |
| Efficiency ratio | 69.8479% | 4,812 |
| Assets per employee ($millions) | 3.2755% | 5,379 |
| Cash dividends to net income (ytd only)* | 108.5106% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 4,292 |
| Loan loss allowance to noncurrent loans | 46.3023% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 2.2714% | 2,868 |
| Noncurrent loans to loans | 2.8004% | 2,576 |
| Net loans and leases to total assets | 66.9313% | 4,374 |
| Net loans and leases to deposits | 73.8422% | 5,474 |
| Net loans and leases to core deposits | 92.2316% | 5,324 |
| Total domestic deposits to total assets | 90.6410% | 577 |
| Equity capital to assets | 8.8675% | 5,499 |
| Core capital (leverage) ratio | 8.1597% | 6,056 |
| Tier 1 risk-based capital ratio | 12.7200% | 4,345 |
| Total risk-based capital ratio | 13.9929% | 4,240 |
| Memoranda: | ||
| Average total assets | $67,014,000 | 6,191 |
| Average earning assets | $59,460,000 | 6,254 |
| Average equity | $5,829,670 | 6,783 |
| Average total loans | $44,188,000 | 6,018 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5053% | 855 |
| Cost of funding earning assets | 2.1392% | 3,468 |
| Net interest margin | 4.3661% | 1,431 |
| Noninterest income to average assets | 0.5194% | 4,138 |
| Noninterest expense to average assets | 2.7624% | 4,730 |
| Loan and lease loss provision to assets | 0.6729% | 1,877 |
| Net operating income to assets | 0.9031% | 2,694 |
| Return on assets (ROA) | 0.9031% | 2,844 |
| Pretax return on assets | 0.9031% | 3,701 |
| Return on Equity (ROE) | 10.4795% | 2,137 |
| Retained earnings to average equity (ytd only) | -3.2192% | 6,314 |
| Net charge-offs to loans | 0.0726% | 4,465 |
| Credit loss provision to net charge-offs | 1,425.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 33.3750% | 984 |
| Efficiency ratio | 63.6735% | 5,751 |
| Assets per employee ($millions) | 3.4051% | 5,061 |
| Cash dividends to net income (ytd only)* | 130.7190% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 4,312 |
| Loan loss allowance to noncurrent loans | 55.6680% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.8605% | 3,127 |
| Noncurrent loans to loans | 2.2720% | 2,896 |
| Net loans and leases to total assets | 63.0461% | 5,154 |
| Net loans and leases to deposits | 69.2165% | 6,057 |
| Net loans and leases to core deposits | 86.3414% | 5,876 |
| Total domestic deposits to total assets | 91.0853% | 387 |
| Equity capital to assets | 8.6122% | 5,897 |
| Core capital (leverage) ratio | 8.2319% | 6,031 |
| Tier 1 risk-based capital ratio | 12.9352% | 4,221 |
| Total risk-based capital ratio | 14.1884% | 4,149 |
| Memoranda: | ||
| Average total assets | $67,766,500 | 6,187 |
| Average earning assets | $59,274,500 | 6,288 |
| Average equity | $5,840,000 | 6,829 |
| Average total loans | $44,071,000 | 6,056 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7688% | 1,794 |
| Cost of funding earning assets | 2.7657% | 2,854 |
| Net interest margin | 4.0030% | 3,093 |
| Noninterest income to average assets | 0.3596% | 5,845 |
| Noninterest expense to average assets | 2.7850% | 4,887 |
| Loan and lease loss provision to assets | 0.3356% | 3,705 |
| Net operating income to assets | 0.9614% | 2,739 |
| Return on assets (ROA) | -0.2987% | 6,593 |
| Pretax return on assets | -0.2832% | 6,445 |
| Return on Equity (ROE) | -3.8686% | 6,724 |
| Retained earnings to average equity (ytd only) | -11.3307% | 7,190 |
| Net charge-offs to loans | 0.4415% | 2,618 |
| Credit loss provision to net charge-offs | 118.5000% | 4,547 |
| Earnings coverage of net charge-offs (x) | 4.6350% | 3,914 |
| Efficiency ratio | 67.9682% | 4,726 |
| Assets per employee ($millions) | 3.2110% | 5,453 |
| Cash dividends to net income (ytd only)* | -192.8910% | 8,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 6,111 |
| Loan loss allowance to noncurrent loans | 40.4372% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 1.9056% | 2,575 |
| Noncurrent loans to loans | 2.4587% | 2,225 |
| Net loans and leases to total assets | 65.5668% | 4,941 |
| Net loans and leases to deposits | 72.0563% | 6,055 |
| Net loans and leases to core deposits | 90.6971% | 5,747 |
| Total domestic deposits to total assets | 90.9939% | 330 |
| Equity capital to assets | 8.6235% | 5,896 |
| Core capital (leverage) ratio | 8.2348% | 6,094 |
| Tier 1 risk-based capital ratio | 12.7286% | 4,272 |
| Total risk-based capital ratio | 13.7396% | 4,346 |
| Memoranda: | ||
| Average total assets | $70,628,800 | 6,014 |
| Average earning assets | $65,950,000 | 5,967 |
| Average equity | $5,454,200 | 6,996 |
| Average total loans | $45,296,000 | 5,916 |