Home > First State Bank Minnesota > Performance and Condition Ratios
First State Bank Minnesota, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 3,086 |
| Cost of funding earning assets | 0.4724% | 4,225 |
| Net interest margin | 4.0349% | 1,152 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.3962% | 2,610 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3424% | 1,343 |
| Return on assets (ROA) | 1.3213% | 1,356 |
| Pretax return on assets | 1.4935% | 1,440 |
| Return on Equity (ROE) | 13.0000% | 1,728 |
| Retained earnings to average equity (ytd only) | 9.0554% | 1,240 |
| Net charge-offs to loans | -0.0076% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.2192% | 3,057 |
| Assets per employee ($millions) | 6.0332% | 2,789 |
| Cash dividends to net income (ytd only)* | 30.3630% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,363 |
| Loan loss allowance to noncurrent loans | 172.1402% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 919 |
| Noncurrent loans to loans | 0.8185% | 945 |
| Net loans and leases to total assets | 72.1400% | 1,562 |
| Net loans and leases to deposits | 82.3661% | 1,918 |
| Net loans and leases to core deposits | 86.2463% | 2,292 |
| Total domestic deposits to total assets | 87.5800% | 1,493 |
| Equity capital to assets | 10.8853% | 1,532 |
| Core capital (leverage) ratio | 11.3246% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $91,729,200 | 3,901 |
| Average earning assets | $86,371,800 | 3,865 |
| Average equity | $9,320,400 | 3,790 |
| Average total loans | $65,370,400 | 3,625 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 3,027 |
| Cost of funding earning assets | 0.3882% | 4,272 |
| Net interest margin | 4.0497% | 1,151 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.3888% | 2,545 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.4316% | 1,252 |
| Return on assets (ROA) | 1.4501% | 1,202 |
| Pretax return on assets | 1.5950% | 1,368 |
| Return on Equity (ROE) | 14.5300% | 1,542 |
| Retained earnings to average equity (ytd only) | 10.4339% | 1,282 |
| Net charge-offs to loans | 0.0041% | 2,345 |
| Credit loss provision to net charge-offs | 2,250.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 566.0000% | 278 |
| Efficiency ratio | 59.2952% | 3,047 |
| Assets per employee ($millions) | 5.9311% | 2,815 |
| Cash dividends to net income (ytd only)* | 28.1718% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 1,541 |
| Loan loss allowance to noncurrent loans | 167.1560% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 957 |
| Noncurrent loans to loans | 0.8242% | 1,002 |
| Net loans and leases to total assets | 73.3000% | 1,437 |
| Net loans and leases to deposits | 84.8785% | 1,660 |
| Net loans and leases to core deposits | 88.5156% | 2,022 |
| Total domestic deposits to total assets | 86.3600% | 2,080 |
| Equity capital to assets | 10.5400% | 1,541 |
| Core capital (leverage) ratio | 11.2893% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $92,037,000 | 3,909 |
| Average earning assets | $87,576,000 | 3,870 |
| Average equity | $9,187,750 | 3,803 |
| Average total loans | $65,158,500 | 3,630 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3962% | 2,894 |
| Cost of funding earning assets | 0.3487% | 4,242 |
| Net interest margin | 4.0474% | 1,157 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.3340% | 2,699 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.5041% | 1,096 |
| Return on assets (ROA) | 1.5280% | 1,050 |
| Pretax return on assets | 1.6376% | 1,344 |
| Return on Equity (ROE) | 15.5800% | 1,343 |
| Retained earnings to average equity (ytd only) | 11.5292% | 1,071 |
| Net charge-offs to loans | 0.0123% | 1,735 |
| Credit loss provision to net charge-offs | 750.0000% | 497 |
| Earnings coverage of net charge-offs (x) | 195.0000% | 621 |
| Efficiency ratio | 58.1994% | 3,172 |
| Assets per employee ($millions) | 6.1051% | 2,621 |
| Cash dividends to net income (ytd only)* | 26.0197% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 1,617 |
| Loan loss allowance to noncurrent loans | 283.8095% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 1,537 |
| Noncurrent loans to loans | 0.4854% | 1,503 |
| Net loans and leases to total assets | 69.8900% | 1,756 |
| Net loans and leases to deposits | 78.9060% | 2,054 |
| Net loans and leases to core deposits | 81.5356% | 2,368 |
| Total domestic deposits to total assets | 88.5700% | 1,390 |
| Equity capital to assets | 10.1772% | 1,760 |
| Core capital (leverage) ratio | 10.7015% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $93,060,667 | 3,913 |
| Average earning assets | $88,895,667 | 3,876 |
| Average equity | $9,124,667 | 3,836 |
| Average total loans | $64,836,667 | 3,639 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 2,732 |
| Cost of funding earning assets | 0.2951% | 4,210 |
| Net interest margin | 4.0331% | 1,205 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.1705% | 3,182 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.6729% | 865 |
| Return on assets (ROA) | 1.6972% | 820 |
| Pretax return on assets | 1.7825% | 1,099 |
| Return on Equity (ROE) | 17.6400% | 1,077 |
| Retained earnings to average equity (ytd only) | 14.2240% | 914 |
| Net charge-offs to loans | 0.0123% | 1,489 |
| Credit loss provision to net charge-offs | 750.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 213.5000% | 489 |
| Efficiency ratio | 54.3803% | 3,567 |
| Assets per employee ($millions) | 6.7283% | 2,171 |
| Cash dividends to net income (ytd only)* | 19.3467% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 1,742 |
| Loan loss allowance to noncurrent loans | 102.8005% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.9098% | 488 |
| Noncurrent loans to loans | 1.3313% | 499 |
| Net loans and leases to total assets | 67.4100% | 1,909 |
| Net loans and leases to deposits | 75.7312% | 2,146 |
| Net loans and leases to core deposits | 77.9065% | 2,394 |
| Total domestic deposits to total assets | 89.0100% | 1,543 |
| Equity capital to assets | 9.8221% | 1,918 |
| Core capital (leverage) ratio | 10.1318% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $93,802,500 | 3,959 |
| Average earning assets | $89,460,000 | 3,924 |
| Average equity | $9,027,000 | 3,894 |
| Average total loans | $64,806,500 | 3,679 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 2,315 |
| Cost of funding earning assets | 0.2619% | 3,230 |
| Net interest margin | 3.5255% | 1,851 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.1488% | 3,161 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.3901% | 1,160 |
| Return on assets (ROA) | 1.3771% | 1,142 |
| Pretax return on assets | 1.4405% | 1,656 |
| Return on Equity (ROE) | 15.5000% | 1,145 |
| Retained earnings to average equity (ytd only) | 9.8195% | 1,214 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.6266% | 3,245 |
| Assets per employee ($millions) | 6.2273% | 2,570 |
| Cash dividends to net income (ytd only)* | 36.6314% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 1,755 |
| Loan loss allowance to noncurrent loans | 239.1185% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3886% | 1,316 |
| Noncurrent loans to loans | 0.5564% | 1,330 |
| Net loans and leases to total assets | 68.9100% | 1,743 |
| Net loans and leases to deposits | 77.0864% | 2,031 |
| Net loans and leases to core deposits | 77.8490% | 2,290 |
| Total domestic deposits to total assets | 89.4000% | 1,595 |
| Equity capital to assets | 9.4231% | 2,068 |
| Core capital (leverage) ratio | 9.5680% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $96,145,200 | 3,958 |
| Average earning assets | $91,248,200 | 3,924 |
| Average equity | $8,544,200 | 4,042 |
| Average total loans | $59,766,200 | 3,733 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 2,285 |
| Cost of funding earning assets | 0.2592% | 2,610 |
| Net interest margin | 3.3612% | 2,099 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.0709% | 3,293 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.2886% | 1,392 |
| Return on assets (ROA) | 1.2723% | 1,417 |
| Pretax return on assets | 1.3976% | 1,727 |
| Return on Equity (ROE) | 14.5300% | 1,281 |
| Retained earnings to average equity (ytd only) | 6.9025% | 2,401 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.3624% | 3,342 |
| Assets per employee ($millions) | 5.9500% | 2,809 |
| Cash dividends to net income (ytd only)* | 52.4892% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 1,536 |
| Loan loss allowance to noncurrent loans | 224.4737% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 1,356 |
| Noncurrent loans to loans | 0.6340% | 1,280 |
| Net loans and leases to total assets | 62.0600% | 2,281 |
| Net loans and leases to deposits | 68.8746% | 2,466 |
| Net loans and leases to core deposits | 69.5033% | 2,677 |
| Total domestic deposits to total assets | 90.1100% | 1,610 |
| Equity capital to assets | 8.6744% | 2,423 |
| Core capital (leverage) ratio | 8.9603% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7137% | 1,234 |
| Memoranda: | ||
| Average total assets | $96,829,250 | 3,981 |
| Average earning assets | $92,068,750 | 3,939 |
| Average equity | $8,479,750 | 4,097 |
| Average total loans | $58,398,000 | 3,771 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4875% | 2,178 |
| Cost of funding earning assets | 0.2538% | 2,213 |
| Net interest margin | 3.2337% | 2,097 |
| Noninterest income to average assets | 0.4067% | 2,715 |
| Noninterest expense to average assets | 2.0581% | 3,267 |
| Loan and lease loss provision to assets | 0.0616% | 1,488 |
| Net operating income to assets | 1.2218% | 1,361 |
| Return on assets (ROA) | 1.1975% | 1,420 |
| Pretax return on assets | 1.3228% | 1,674 |
| Return on Equity (ROE) | 13.6316% | 1,207 |
| Retained earnings to average equity (ytd only) | 6.0793% | 2,312 |
| Net charge-offs to loans | 0.0035% | 1,926 |
| Credit loss provision to net charge-offs | 3,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 687.0000% | 202 |
| Efficiency ratio | 59.3250% | 3,400 |
| Assets per employee ($millions) | 6.2898% | 2,488 |
| Cash dividends to net income (ytd only)* | 55.4031% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 1,815 |
| Loan loss allowance to noncurrent loans | 217.4026% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 1,471 |
| Noncurrent loans to loans | 0.6368% | 1,338 |
| Net loans and leases to total assets | 59.2482% | 2,413 |
| Net loans and leases to deposits | 65.5681% | 2,586 |
| Net loans and leases to core deposits | 65.9466% | 2,823 |
| Total domestic deposits to total assets | 90.3613% | 1,537 |
| Equity capital to assets | 8.5049% | 2,761 |
| Core capital (leverage) ratio | 8.8023% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,372,333 | 4,018 |
| Average earning assets | $92,215,000 | 3,992 |
| Average equity | $8,553,667 | 4,147 |
| Average total loans | $57,885,667 | 3,826 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6953% | 1,282 |
| Cost of funding earning assets | 0.2446% | 2,222 |
| Net interest margin | 3.4507% | 1,186 |
| Noninterest income to average assets | 0.6267% | 1,576 |
| Noninterest expense to average assets | 2.1140% | 3,102 |
| Loan and lease loss provision to assets | 0.0627% | 1,292 |
| Net operating income to assets | 1.5695% | 555 |
| Return on assets (ROA) | 1.5500% | 567 |
| Pretax return on assets | 1.6712% | 726 |
| Return on Equity (ROE) | 17.3547% | 385 |
| Retained earnings to average equity (ytd only) | 5.6602% | 2,362 |
| Net charge-offs to loans | 0.0071% | 1,492 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 420.0000% | 246 |
| Efficiency ratio | 54.6436% | 4,014 |
| Assets per employee ($millions) | 6.5247% | 2,358 |
| Cash dividends to net income (ytd only)* | 67.3854% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 1,723 |
| Loan loss allowance to noncurrent loans | 252.9231% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 1,780 |
| Noncurrent loans to loans | 0.5722% | 1,613 |
| Net loans and leases to total assets | 57.1953% | 2,389 |
| Net loans and leases to deposits | 63.4969% | 2,573 |
| Net loans and leases to core deposits | 63.8752% | 2,803 |
| Total domestic deposits to total assets | 90.0756% | 1,519 |
| Equity capital to assets | 8.7769% | 2,905 |
| Core capital (leverage) ratio | 8.8969% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,740,500 | 4,047 |
| Average earning assets | $89,952,500 | 4,024 |
| Average equity | $8,551,000 | 4,203 |
| Average total loans | $56,597,500 | 3,853 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6662% | 2,201 |
| Cost of funding earning assets | 0.2663% | 2,741 |
| Net interest margin | 3.3999% | 2,034 |
| Noninterest income to average assets | 0.2158% | 4,072 |
| Noninterest expense to average assets | 2.0644% | 3,484 |
| Loan and lease loss provision to assets | 0.0678% | 1,712 |
| Net operating income to assets | 1.1530% | 2,091 |
| Return on assets (ROA) | 1.1774% | 2,063 |
| Pretax return on assets | 1.3130% | 2,320 |
| Return on Equity (ROE) | 12.4844% | 1,658 |
| Retained earnings to average equity (ytd only) | 3.4266% | 3,440 |
| Net charge-offs to loans | 0.1080% | 813 |
| Credit loss provision to net charge-offs | 105.2632% | 1,747 |
| Earnings coverage of net charge-offs (x) | 21.0175% | 1,835 |
| Efficiency ratio | 60.3967% | 3,097 |
| Assets per employee ($millions) | 6.2407% | 2,536 |
| Cash dividends to net income (ytd only)* | 72.5528% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 1,796 |
| Loan loss allowance to noncurrent loans | 239.7626% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 1,785 |
| Noncurrent loans to loans | 0.5976% | 1,642 |
| Net loans and leases to total assets | 59.3819% | 2,218 |
| Net loans and leases to deposits | 66.2456% | 2,489 |
| Net loans and leases to core deposits | 66.6579% | 2,762 |
| Total domestic deposits to total assets | 89.6390% | 1,145 |
| Equity capital to assets | 9.0929% | 3,521 |
| Core capital (leverage) ratio | 9.2663% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,499,200 | 4,109 |
| Average earning assets | $83,355,200 | 4,090 |
| Average equity | $8,346,400 | 4,306 |
| Average total loans | $52,773,600 | 3,949 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 2,278 |
| Cost of funding earning assets | 0.2644% | 2,967 |
| Net interest margin | 3.4351% | 2,055 |
| Noninterest income to average assets | 0.2064% | 4,167 |
| Noninterest expense to average assets | 2.0453% | 3,537 |
| Loan and lease loss provision to assets | 0.0688% | 1,631 |
| Net operating income to assets | 1.3483% | 1,698 |
| Return on assets (ROA) | 1.3727% | 1,673 |
| Pretax return on assets | 1.3742% | 2,424 |
| Return on Equity (ROE) | 14.4167% | 1,278 |
| Retained earnings to average equity (ytd only) | 3.7567% | 3,655 |
| Net charge-offs to loans | -0.0077% | 3,581 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0468% | 3,118 |
| Assets per employee ($millions) | 6.0282% | 2,666 |
| Cash dividends to net income (ytd only)* | 73.9421% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,649 |
| Loan loss allowance to noncurrent loans | 239.6067% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 1,871 |
| Noncurrent loans to loans | 0.6246% | 1,746 |
| Net loans and leases to total assets | 62.0948% | 1,991 |
| Net loans and leases to deposits | 69.5555% | 2,285 |
| Net loans and leases to core deposits | 70.0056% | 2,596 |
| Total domestic deposits to total assets | 89.2737% | 1,136 |
| Equity capital to assets | 9.3682% | 3,493 |
| Core capital (leverage) ratio | 9.3083% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,221,250 | 4,175 |
| Average earning assets | $82,713,750 | 4,149 |
| Average equity | $8,305,000 | 4,371 |
| Average total loans | $51,868,000 | 4,011 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6432% | 2,491 |
| Cost of funding earning assets | 0.2576% | 3,214 |
| Net interest margin | 3.3856% | 2,184 |
| Noninterest income to average assets | 0.1927% | 4,234 |
| Noninterest expense to average assets | 2.0823% | 3,444 |
| Loan and lease loss provision to assets | 0.0696% | 1,660 |
| Net operating income to assets | 1.2420% | 2,048 |
| Return on assets (ROA) | 1.2652% | 2,047 |
| Pretax return on assets | 1.2675% | 2,717 |
| Return on Equity (ROE) | 13.2127% | 1,643 |
| Retained earnings to average equity (ytd only) | 2.7153% | 3,934 |
| Net charge-offs to loans | -0.0120% | 3,740 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3124% | 2,831 |
| Assets per employee ($millions) | 5.9364% | 2,681 |
| Cash dividends to net income (ytd only)* | 79.4495% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 1,435 |
| Loan loss allowance to noncurrent loans | 217.6623% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 1,892 |
| Noncurrent loans to loans | 0.7109% | 1,662 |
| Net loans and leases to total assets | 59.8747% | 2,441 |
| Net loans and leases to deposits | 67.0717% | 2,711 |
| Net loans and leases to core deposits | 67.5091% | 2,994 |
| Total domestic deposits to total assets | 89.2696% | 1,157 |
| Equity capital to assets | 9.3805% | 3,435 |
| Core capital (leverage) ratio | 9.4332% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,154,000 | 4,216 |
| Average earning assets | $81,521,333 | 4,183 |
| Average equity | $8,249,667 | 4,398 |
| Average total loans | $50,157,000 | 4,082 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1557% | 3,766 |
| Cost of funding earning assets | 0.2555% | 3,424 |
| Net interest margin | 2.9002% | 3,523 |
| Noninterest income to average assets | 0.1794% | 4,299 |
| Noninterest expense to average assets | 2.1863% | 3,149 |
| Loan and lease loss provision to assets | 0.0708% | 1,742 |
| Net operating income to assets | 0.6564% | 3,805 |
| Return on assets (ROA) | 0.6989% | 3,769 |
| Pretax return on assets | 0.6989% | 4,021 |
| Return on Equity (ROE) | 7.2213% | 3,547 |
| Retained earnings to average equity (ytd only) | -4.9768% | 4,702 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0405% | 1,218 |
| Assets per employee ($millions) | 5.7586% | 2,835 |
| Cash dividends to net income (ytd only)* | 168.9189% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 1,156 |
| Loan loss allowance to noncurrent loans | 121.6617% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7803% | 1,156 |
| Noncurrent loans to loans | 1.3609% | 941 |
| Net loans and leases to total assets | 56.3875% | 2,988 |
| Net loans and leases to deposits | 63.2173% | 3,199 |
| Net loans and leases to core deposits | 63.6427% | 3,445 |
| Total domestic deposits to total assets | 89.1964% | 1,243 |
| Equity capital to assets | 9.4282% | 3,265 |
| Core capital (leverage) ratio | 9.5589% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,708,000 | 4,248 |
| Average earning assets | $79,855,500 | 4,222 |
| Average equity | $8,198,000 | 4,419 |
| Average total loans | $48,158,500 | 4,140 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 2,744 |
| Cost of funding earning assets | 0.3648% | 3,790 |
| Net interest margin | 3.6300% | 2,042 |
| Noninterest income to average assets | 0.2562% | 3,949 |
| Noninterest expense to average assets | 2.2180% | 3,629 |
| Loan and lease loss provision to assets | 0.0788% | 3,394 |
| Net operating income to assets | 1.3442% | 1,137 |
| Return on assets (ROA) | 1.3403% | 1,244 |
| Pretax return on assets | 1.3416% | 1,847 |
| Return on Equity (ROE) | 12.7192% | 1,113 |
| Retained earnings to average equity (ytd only) | 4.6138% | 2,471 |
| Net charge-offs to loans | 0.4941% | 323 |
| Credit loss provision to net charge-offs | 24.3902% | 3,232 |
| Earnings coverage of net charge-offs (x) | 4.4065% | 2,990 |
| Efficiency ratio | 60.8947% | 3,332 |
| Assets per employee ($millions) | 5.5358% | 2,806 |
| Cash dividends to net income (ytd only)* | 63.7255% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7205% | 996 |
| Loan loss allowance to noncurrent loans | 178.4922% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 1,927 |
| Noncurrent loans to loans | 0.9639% | 1,464 |
| Net loans and leases to total assets | 55.3789% | 3,357 |
| Net loans and leases to deposits | 62.5697% | 3,566 |
| Net loans and leases to core deposits | 63.0070% | 3,766 |
| Total domestic deposits to total assets | 88.5075% | 1,222 |
| Equity capital to assets | 9.9377% | 3,191 |
| Core capital (leverage) ratio | 9.9465% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,103,600 | 4,290 |
| Average earning assets | $70,992,600 | 4,283 |
| Average equity | $8,019,400 | 4,423 |
| Average total loans | $49,786,400 | 4,114 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0554% | 2,806 |
| Cost of funding earning assets | 0.3973% | 3,821 |
| Net interest margin | 3.6581% | 2,074 |
| Noninterest income to average assets | 0.2600% | 3,919 |
| Noninterest expense to average assets | 2.2643% | 3,515 |
| Loan and lease loss provision to assets | 0.0807% | 3,301 |
| Net operating income to assets | 1.3302% | 1,286 |
| Return on assets (ROA) | 1.3159% | 1,405 |
| Pretax return on assets | 1.3177% | 1,983 |
| Return on Equity (ROE) | 12.2926% | 1,301 |
| Retained earnings to average equity (ytd only) | 6.4310% | 1,911 |
| Net charge-offs to loans | 0.6490% | 220 |
| Credit loss provision to net charge-offs | 18.2927% | 2,980 |
| Earnings coverage of net charge-offs (x) | 3.2033% | 2,931 |
| Efficiency ratio | 61.5797% | 3,142 |
| Assets per employee ($millions) | 5.3859% | 2,806 |
| Cash dividends to net income (ytd only)* | 47.6839% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 1,151 |
| Loan loss allowance to noncurrent loans | 176.3393% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 2,056 |
| Noncurrent loans to loans | 0.8972% | 1,665 |
| Net loans and leases to total assets | 60.8313% | 3,126 |
| Net loans and leases to deposits | 68.9706% | 3,399 |
| Net loans and leases to core deposits | 69.7161% | 3,641 |
| Total domestic deposits to total assets | 88.1989% | 1,116 |
| Equity capital to assets | 10.2403% | 3,022 |
| Core capital (leverage) ratio | 10.4881% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,370,250 | 4,324 |
| Average earning assets | $69,470,250 | 4,314 |
| Average equity | $7,961,250 | 4,450 |
| Average total loans | $50,535,500 | 4,124 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 2,878 |
| Cost of funding earning assets | 0.4398% | 3,846 |
| Net interest margin | 3.7206% | 2,093 |
| Noninterest income to average assets | 0.2630% | 3,894 |
| Noninterest expense to average assets | 2.3591% | 3,374 |
| Loan and lease loss provision to assets | 0.0831% | 3,246 |
| Net operating income to assets | 1.2848% | 1,400 |
| Return on assets (ROA) | 1.2654% | 1,569 |
| Pretax return on assets | 1.2682% | 2,136 |
| Return on Equity (ROE) | 11.6324% | 1,443 |
| Retained earnings to average equity (ytd only) | 2.7236% | 3,491 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2517% | 2,921 |
| Assets per employee ($millions) | 5.0458% | 3,118 |
| Cash dividends to net income (ytd only)* | 76.5864% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8457% | 592 |
| Loan loss allowance to noncurrent loans | 144.8227% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.9315% | 1,318 |
| Noncurrent loans to loans | 1.2744% | 1,220 |
| Net loans and leases to total assets | 71.7402% | 1,764 |
| Net loans and leases to deposits | 81.7261% | 2,231 |
| Net loans and leases to core deposits | 82.6844% | 2,727 |
| Total domestic deposits to total assets | 87.7813% | 1,293 |
| Equity capital to assets | 10.5646% | 2,697 |
| Core capital (leverage) ratio | 10.7647% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,230,667 | 4,369 |
| Average earning assets | $67,300,667 | 4,352 |
| Average equity | $7,857,333 | 4,478 |
| Average total loans | $50,735,667 | 4,125 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 2,873 |
| Cost of funding earning assets | 0.5204% | 3,844 |
| Net interest margin | 3.7962% | 1,991 |
| Noninterest income to average assets | 0.3177% | 3,614 |
| Noninterest expense to average assets | 2.5191% | 3,219 |
| Loan and lease loss provision to assets | 0.0851% | 2,628 |
| Net operating income to assets | 1.2312% | 1,425 |
| Return on assets (ROA) | 1.1801% | 1,704 |
| Pretax return on assets | 1.1801% | 2,267 |
| Return on Equity (ROE) | 10.6831% | 1,504 |
| Retained earnings to average equity (ytd only) | -7.2933% | 4,661 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6805% | 3,012 |
| Assets per employee ($millions) | 4.6875% | 3,005 |
| Cash dividends to net income (ytd only)* | 168.2692% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0825% | 445 |
| Loan loss allowance to noncurrent loans | 144.7482% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 1,338 |
| Noncurrent loans to loans | 1.4387% | 1,112 |
| Net loans and leases to total assets | 67.2744% | 2,651 |
| Net loans and leases to deposits | 77.0893% | 2,968 |
| Net loans and leases to core deposits | 77.7456% | 3,368 |
| Total domestic deposits to total assets | 87.2682% | 1,439 |
| Equity capital to assets | 10.9754% | 2,877 |
| Core capital (leverage) ratio | 11.0837% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,502,500 | 4,403 |
| Average earning assets | $65,329,000 | 4,394 |
| Average equity | $7,788,000 | 4,509 |
| Average total loans | $48,444,000 | 4,182 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4605% | 3,086 |
| Cost of funding earning assets | 0.5342% | 3,954 |
| Net interest margin | 3.9262% | 2,084 |
| Noninterest income to average assets | 0.3332% | 3,714 |
| Noninterest expense to average assets | 2.4543% | 3,565 |
| Loan and lease loss provision to assets | 0.0892% | 2,232 |
| Net operating income to assets | 1.4503% | 1,188 |
| Return on assets (ROA) | 1.4919% | 1,136 |
| Pretax return on assets | 1.4934% | 1,827 |
| Return on Equity (ROE) | 13.2915% | 1,077 |
| Retained earnings to average equity (ytd only) | 5.3404% | 2,255 |
| Net charge-offs to loans | -0.0083% | 4,421 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4296% | 3,472 |
| Assets per employee ($millions) | 4.7129% | 2,935 |
| Cash dividends to net income (ytd only)* | 59.8205% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0399% | 431 |
| Loan loss allowance to noncurrent loans | 119.2539% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.1755% | 1,010 |
| Noncurrent loans to loans | 1.7106% | 805 |
| Net loans and leases to total assets | 67.3178% | 2,787 |
| Net loans and leases to deposits | 76.2217% | 3,157 |
| Net loans and leases to core deposits | 76.8531% | 3,525 |
| Total domestic deposits to total assets | 88.3185% | 971 |
| Equity capital to assets | 11.1171% | 2,890 |
| Core capital (leverage) ratio | 11.4686% | 2,136 |
| Tier 1 risk-based capital ratio | 16.6235% | 2,175 |
| Total risk-based capital ratio | 17.8838% | 2,110 |
| Memoranda: | ||
| Average total assets | $67,228,600 | 4,480 |
| Average earning assets | $62,706,200 | 4,465 |
| Average equity | $7,546,200 | 4,563 |
| Average total loans | $48,377,600 | 4,217 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 3,254 |
| Cost of funding earning assets | 0.5284% | 4,037 |
| Net interest margin | 3.9063% | 2,230 |
| Noninterest income to average assets | 0.3174% | 3,852 |
| Noninterest expense to average assets | 2.4853% | 3,481 |
| Loan and lease loss provision to assets | 0.0904% | 2,095 |
| Net operating income to assets | 1.4084% | 1,441 |
| Return on assets (ROA) | 1.4084% | 1,504 |
| Pretax return on assets | 1.4104% | 2,272 |
| Return on Equity (ROE) | 12.5153% | 1,437 |
| Retained earnings to average equity (ytd only) | 4.4813% | 3,153 |
| Net charge-offs to loans | -0.0166% | 4,537 |
| Credit loss provision to net charge-offs | -750.0000% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3488% | 3,272 |
| Assets per employee ($millions) | 4.4587% | 3,271 |
| Cash dividends to net income (ytd only)* | 64.1948% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9674% | 492 |
| Loan loss allowance to noncurrent loans | 117.6895% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.2425% | 1,002 |
| Noncurrent loans to loans | 1.6717% | 878 |
| Net loans and leases to total assets | 72.8652% | 2,026 |
| Net loans and leases to deposits | 83.6977% | 2,494 |
| Net loans and leases to core deposits | 84.4417% | 3,053 |
| Total domestic deposits to total assets | 87.0576% | 1,482 |
| Equity capital to assets | 11.5160% | 2,645 |
| Core capital (leverage) ratio | 11.6903% | 2,087 |
| Tier 1 risk-based capital ratio | 15.9574% | 2,442 |
| Total risk-based capital ratio | 17.2160% | 2,384 |
| Memoranda: | ||
| Average total assets | $66,362,500 | 4,544 |
| Average earning assets | $62,324,500 | 4,526 |
| Average equity | $7,468,000 | 4,634 |
| Average total loans | $48,327,000 | 4,267 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 3,516 |
| Cost of funding earning assets | 0.5203% | 4,032 |
| Net interest margin | 3.8189% | 2,523 |
| Noninterest income to average assets | 0.2901% | 4,002 |
| Noninterest expense to average assets | 2.5079% | 3,450 |
| Loan and lease loss provision to assets | 0.0906% | 2,038 |
| Net operating income to assets | 1.2842% | 1,837 |
| Return on assets (ROA) | 1.2842% | 1,893 |
| Pretax return on assets | 1.2842% | 2,619 |
| Return on Equity (ROE) | 11.5020% | 1,784 |
| Retained earnings to average equity (ytd only) | 2.0298% | 4,106 |
| Net charge-offs to loans | -0.0251% | 4,626 |
| Credit loss provision to net charge-offs | -500.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5914% | 3,039 |
| Assets per employee ($millions) | 4.3285% | 3,398 |
| Cash dividends to net income (ytd only)* | 82.3529% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9456% | 518 |
| Loan loss allowance to noncurrent loans | 105.1310% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.4108% | 835 |
| Noncurrent loans to loans | 1.8506% | 809 |
| Net loans and leases to total assets | 74.7505% | 1,759 |
| Net loans and leases to deposits | 86.7314% | 2,166 |
| Net loans and leases to core deposits | 87.1253% | 2,878 |
| Total domestic deposits to total assets | 86.1862% | 1,935 |
| Equity capital to assets | 11.5851% | 2,537 |
| Core capital (leverage) ratio | 11.6612% | 2,049 |
| Tier 1 risk-based capital ratio | 15.5521% | 2,607 |
| Total risk-based capital ratio | 16.8117% | 2,532 |
| Memoranda: | ||
| Average total assets | $66,189,670 | 4,584 |
| Average earning assets | $62,268,670 | 4,558 |
| Average equity | $7,390,000 | 4,668 |
| Average total loans | $47,865,670 | 4,306 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 4,005 |
| Cost of funding earning assets | 0.5266% | 3,937 |
| Net interest margin | 3.6227% | 3,170 |
| Noninterest income to average assets | 0.2754% | 4,037 |
| Noninterest expense to average assets | 2.5262% | 3,426 |
| Loan and lease loss provision to assets | 0.0898% | 1,913 |
| Net operating income to assets | 1.0775% | 2,555 |
| Return on assets (ROA) | 1.0775% | 2,603 |
| Pretax return on assets | 1.0775% | 3,213 |
| Return on Equity (ROE) | 9.8307% | 2,435 |
| Retained earnings to average equity (ytd only) | -9.2845% | 5,079 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3955% | 2,586 |
| Assets per employee ($millions) | 4.3325% | 3,449 |
| Cash dividends to net income (ytd only)* | 194.4444% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9683% | 537 |
| Loan loss allowance to noncurrent loans | 95.4407% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.5188% | 782 |
| Noncurrent loans to loans | 2.0623% | 712 |
| Net loans and leases to total assets | 72.1944% | 2,123 |
| Net loans and leases to deposits | 81.8824% | 2,616 |
| Net loans and leases to core deposits | 82.6076% | 3,141 |
| Total domestic deposits to total assets | 88.1684% | 1,250 |
| Equity capital to assets | 11.1653% | 2,693 |
| Core capital (leverage) ratio | 11.1261% | 2,449 |
| Tier 1 risk-based capital ratio | 15.3951% | 2,708 |
| Total risk-based capital ratio | 16.6522% | 2,616 |
| Memoranda: | ||
| Average total assets | $66,820,500 | 4,623 |
| Average earning assets | $63,047,500 | 4,592 |
| Average equity | $7,324,000 | 4,710 |
| Average total loans | $47,050,000 | 4,365 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 3,126 |
| Cost of funding earning assets | 0.3294% | 4,411 |
| Net interest margin | 3.9670% | 2,101 |
| Noninterest income to average assets | 0.3647% | 3,657 |
| Noninterest expense to average assets | 2.3674% | 3,964 |
| Loan and lease loss provision to assets | 0.2103% | 887 |
| Net operating income to assets | 1.5057% | 1,105 |
| Return on assets (ROA) | 1.5278% | 1,032 |
| Pretax return on assets | 1.5278% | 1,686 |
| Return on Equity (ROE) | 14.5010% | 939 |
| Retained earnings to average equity (ytd only) | 5.7781% | 2,305 |
| Net charge-offs to loans | 0.0087% | 3,383 |
| Credit loss provision to net charge-offs | 3,575.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 291.7500% | 335 |
| Efficiency ratio | 57.9762% | 4,167 |
| Assets per employee ($millions) | 4.2909% | 3,476 |
| Cash dividends to net income (ytd only)* | 60.1540% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 467 |
| Loan loss allowance to noncurrent loans | 891.3462% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 4,072 |
| Noncurrent loans to loans | 0.2249% | 3,774 |
| Net loans and leases to total assets | 66.0034% | 3,136 |
| Net loans and leases to deposits | 75.7633% | 3,367 |
| Net loans and leases to core deposits | 76.4058% | 3,686 |
| Total domestic deposits to total assets | 87.1180% | 1,725 |
| Equity capital to assets | 10.7670% | 2,913 |
| Core capital (leverage) ratio | 10.9610% | 2,561 |
| Tier 1 risk-based capital ratio | 16.3344% | 2,293 |
| Total risk-based capital ratio | 17.5938% | 2,232 |
| Memoranda: | ||
| Average total assets | $68,007,800 | 4,618 |
| Average earning assets | $63,751,600 | 4,597 |
| Average equity | $7,165,000 | 4,721 |
| Average total loans | $46,047,000 | 4,400 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2611% | 3,115 |
| Cost of funding earning assets | 0.3050% | 4,483 |
| Net interest margin | 3.9561% | 2,103 |
| Noninterest income to average assets | 0.3498% | 3,797 |
| Noninterest expense to average assets | 2.3386% | 3,996 |
| Loan and lease loss provision to assets | 0.2515% | 623 |
| Net operating income to assets | 1.4562% | 1,309 |
| Return on assets (ROA) | 1.4896% | 1,221 |
| Pretax return on assets | 1.4896% | 1,935 |
| Return on Equity (ROE) | 14.2178% | 1,061 |
| Retained earnings to average equity (ytd only) | 6.2461% | 2,524 |
| Net charge-offs to loans | 0.0116% | 3,000 |
| Credit loss provision to net charge-offs | 3,200.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 217.3809% | 416 |
| Efficiency ratio | 57.7950% | 4,157 |
| Assets per employee ($millions) | 4.2935% | 3,431 |
| Cash dividends to net income (ytd only)* | 56.0684% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8836% | 615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 69.1540% | 2,781 |
| Net loans and leases to deposits | 80.4300% | 2,993 |
| Net loans and leases to core deposits | 80.4300% | 3,460 |
| Total domestic deposits to total assets | 85.9803% | 2,202 |
| Equity capital to assets | 10.6047% | 3,041 |
| Core capital (leverage) ratio | 10.8841% | 2,689 |
| Tier 1 risk-based capital ratio | 15.5864% | 2,612 |
| Total risk-based capital ratio | 16.8437% | 2,545 |
| Memoranda: | ||
| Average total assets | $67,846,250 | 4,665 |
| Average earning assets | $63,393,500 | 4,648 |
| Average equity | $7,108,250 | 4,779 |
| Average total loans | $45,998,500 | 4,449 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 3,282 |
| Cost of funding earning assets | 0.2696% | 4,636 |
| Net interest margin | 3.8796% | 2,279 |
| Noninterest income to average assets | 0.3286% | 3,991 |
| Noninterest expense to average assets | 2.3119% | 4,120 |
| Loan and lease loss provision to assets | 0.0681% | 2,519 |
| Net operating income to assets | 1.5689% | 993 |
| Return on assets (ROA) | 1.5955% | 934 |
| Pretax return on assets | 1.5955% | 1,516 |
| Return on Equity (ROE) | 15.2922% | 796 |
| Retained earnings to average equity (ytd only) | 6.0715% | 2,514 |
| Net charge-offs to loans | 0.0133% | 2,692 |
| Credit loss provision to net charge-offs | 766.6667% | 515 |
| Earnings coverage of net charge-offs (x) | 184.3333% | 445 |
| Efficiency ratio | 58.5457% | 4,148 |
| Assets per employee ($millions) | 4.2325% | 3,527 |
| Cash dividends to net income (ytd only)* | 60.2968% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 69.1435% | 2,701 |
| Net loans and leases to deposits | 80.4785% | 2,897 |
| Net loans and leases to core deposits | 80.4785% | 3,375 |
| Total domestic deposits to total assets | 85.9155% | 2,322 |
| Equity capital to assets | 10.6350% | 2,987 |
| Core capital (leverage) ratio | 10.8486% | 2,659 |
| Tier 1 risk-based capital ratio | 15.2243% | 2,772 |
| Total risk-based capital ratio | 16.4790% | 2,693 |
| Memoranda: | ||
| Average total assets | $67,563,000 | 4,726 |
| Average earning assets | $63,047,000 | 4,711 |
| Average equity | $7,049,330 | 4,836 |
| Average total loans | $45,192,000 | 4,516 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 3,526 |
| Cost of funding earning assets | 0.2476% | 4,723 |
| Net interest margin | 3.7774% | 2,514 |
| Noninterest income to average assets | 0.3201% | 4,017 |
| Noninterest expense to average assets | 2.3472% | 4,069 |
| Loan and lease loss provision to assets | 0.0652% | 2,468 |
| Net operating income to assets | 1.4344% | 1,243 |
| Return on assets (ROA) | 1.4344% | 1,248 |
| Pretax return on assets | 1.4344% | 1,886 |
| Return on Equity (ROE) | 13.8821% | 1,044 |
| Retained earnings to average equity (ytd only) | -4.7612% | 5,192 |
| Net charge-offs to loans | 0.0728% | 1,395 |
| Credit loss provision to net charge-offs | 137.5000% | 1,286 |
| Earnings coverage of net charge-offs (x) | 31.6250% | 1,209 |
| Efficiency ratio | 61.0169% | 3,941 |
| Assets per employee ($millions) | 4.4586% | 3,226 |
| Cash dividends to net income (ytd only)* | 134.2975% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8126% | 767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 64.0664% | 3,297 |
| Net loans and leases to deposits | 71.8584% | 3,620 |
| Net loans and leases to core deposits | 71.8584% | 3,973 |
| Total domestic deposits to total assets | 89.1565% | 1,023 |
| Equity capital to assets | 10.3366% | 3,233 |
| Core capital (leverage) ratio | 10.4703% | 2,984 |
| Tier 1 risk-based capital ratio | 15.7739% | 2,564 |
| Total risk-based capital ratio | 17.0295% | 2,514 |
| Memoranda: | ||
| Average total assets | $67,484,500 | 4,785 |
| Average earning assets | $63,005,500 | 4,771 |
| Average equity | $6,973,000 | 4,897 |
| Average total loans | $43,972,000 | 4,594 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 3,767 |
| Cost of funding earning assets | 0.2344% | 4,692 |
| Net interest margin | 3.6541% | 2,974 |
| Noninterest income to average assets | 0.3381% | 4,053 |
| Noninterest expense to average assets | 2.3521% | 4,202 |
| Loan and lease loss provision to assets | 0.0534% | 3,168 |
| Net operating income to assets | 1.3763% | 1,067 |
| Return on assets (ROA) | 1.3763% | 1,086 |
| Pretax return on assets | 1.3777% | 2,062 |
| Return on Equity (ROE) | 13.6551% | 818 |
| Retained earnings to average equity (ytd only) | 8.4903% | 623 |
| Net charge-offs to loans | 0.0354% | 3,087 |
| Credit loss provision to net charge-offs | 240.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 64.3333% | 908 |
| Efficiency ratio | 62.1717% | 3,911 |
| Assets per employee ($millions) | 4.5393% | 3,130 |
| Cash dividends to net income (ytd only)* | 37.8233% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 811 |
| Loan loss allowance to noncurrent loans | 5,628.5714% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 5,051 |
| Noncurrent loans to loans | 0.0316% | 4,870 |
| Net loans and leases to total assets | 63.9125% | 3,378 |
| Net loans and leases to deposits | 71.7137% | 3,728 |
| Net loans and leases to core deposits | 71.7137% | 4,071 |
| Total domestic deposits to total assets | 89.1218% | 950 |
| Equity capital to assets | 10.3290% | 3,350 |
| Core capital (leverage) ratio | 10.4236% | 2,942 |
| Tier 1 risk-based capital ratio | 15.2132% | 2,740 |
| Total risk-based capital ratio | 16.4683% | 2,668 |
| Memoranda: | ||
| Average total assets | $67,428,800 | 4,823 |
| Average earning assets | $63,571,800 | 4,795 |
| Average equity | $6,796,000 | 4,974 |
| Average total loans | $42,358,800 | 4,658 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8233% | 3,927 |
| Cost of funding earning assets | 0.2346% | 4,709 |
| Net interest margin | 3.5887% | 3,198 |
| Noninterest income to average assets | 0.3251% | 4,214 |
| Noninterest expense to average assets | 2.3469% | 4,166 |
| Loan and lease loss provision to assets | 0.0535% | 3,030 |
| Net operating income to assets | 1.3182% | 1,278 |
| Return on assets (ROA) | 1.3182% | 1,312 |
| Pretax return on assets | 1.3201% | 2,394 |
| Return on Equity (ROE) | 13.1612% | 1,020 |
| Retained earnings to average equity (ytd only) | 8.1937% | 1,142 |
| Net charge-offs to loans | 0.0287% | 2,861 |
| Credit loss provision to net charge-offs | 300.0000% | 979 |
| Earnings coverage of net charge-offs (x) | 76.9983% | 834 |
| Efficiency ratio | 63.0794% | 3,694 |
| Assets per employee ($millions) | 4.3857% | 3,333 |
| Cash dividends to net income (ytd only)* | 37.7447% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8525% | 776 |
| Loan loss allowance to noncurrent loans | 4,361.1111% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 5,110 |
| Noncurrent loans to loans | 0.0425% | 4,921 |
| Net loans and leases to total assets | 63.2217% | 3,526 |
| Net loans and leases to deposits | 71.2651% | 3,848 |
| Net loans and leases to core deposits | 71.2651% | 4,168 |
| Total domestic deposits to total assets | 88.7134% | 1,006 |
| Equity capital to assets | 10.5494% | 3,316 |
| Core capital (leverage) ratio | 10.2743% | 3,229 |
| Tier 1 risk-based capital ratio | 15.7297% | 2,613 |
| Total risk-based capital ratio | 16.9872% | 2,548 |
| Memoranda: | ||
| Average total assets | $67,263,500 | 4,877 |
| Average earning assets | $63,642,500 | 4,842 |
| Average equity | $6,736,750 | 5,045 |
| Average total loans | $41,872,000 | 4,719 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6966% | 4,240 |
| Cost of funding earning assets | 0.2342% | 4,690 |
| Net interest margin | 3.4624% | 3,533 |
| Noninterest income to average assets | 0.3129% | 4,299 |
| Noninterest expense to average assets | 2.2906% | 4,372 |
| Loan and lease loss provision to assets | 0.0531% | 2,916 |
| Net operating income to assets | 1.2427% | 1,469 |
| Return on assets (ROA) | 1.2427% | 1,495 |
| Pretax return on assets | 1.2427% | 2,614 |
| Return on Equity (ROE) | 12.6256% | 1,134 |
| Retained earnings to average equity (ytd only) | 12.6256% | 270 |
| Net charge-offs to loans | 0.0384% | 2,435 |
| Credit loss provision to net charge-offs | 225.0000% | 1,153 |
| Earnings coverage of net charge-offs (x) | 54.8750% | 1,009 |
| Efficiency ratio | 63.8683% | 3,692 |
| Assets per employee ($millions) | 4.8311% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 891 |
| Loan loss allowance to noncurrent loans | 3,531.8182% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 5,133 |
| Noncurrent loans to loans | 0.0509% | 4,936 |
| Net loans and leases to total assets | 62.7249% | 3,546 |
| Net loans and leases to deposits | 70.4402% | 3,877 |
| Net loans and leases to core deposits | 70.4402% | 4,196 |
| Total domestic deposits to total assets | 89.0471% | 929 |
| Equity capital to assets | 10.2462% | 3,619 |
| Core capital (leverage) ratio | 10.3570% | 3,062 |
| Tier 1 risk-based capital ratio | 15.9448% | 2,525 |
| Total risk-based capital ratio | 17.2019% | 2,464 |
| Memoranda: | ||
| Average total assets | $67,756,000 | 4,909 |
| Average earning assets | $64,059,330 | 4,865 |
| Average equity | $6,669,000 | 5,083 |
| Average total loans | $41,704,000 | 4,753 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5240% | 4,628 |
| Cost of funding earning assets | 0.2379% | 4,656 |
| Net interest margin | 3.2861% | 4,062 |
| Noninterest income to average assets | 0.3126% | 4,314 |
| Noninterest expense to average assets | 2.3180% | 4,357 |
| Loan and lease loss provision to assets | 0.0531% | 2,747 |
| Net operating income to assets | 1.0381% | 2,128 |
| Return on assets (ROA) | 1.0381% | 2,176 |
| Pretax return on assets | 1.0381% | 3,206 |
| Return on Equity (ROE) | 10.7670% | 1,651 |
| Retained earnings to average equity (ytd only) | 10.7670% | 651 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9931% | 3,198 |
| Assets per employee ($millions) | 4.4544% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 769 |
| Loan loss allowance to noncurrent loans | 1,337.9310% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 4,928 |
| Noncurrent loans to loans | 0.1429% | 4,618 |
| Net loans and leases to total assets | 59.5770% | 3,829 |
| Net loans and leases to deposits | 66.6951% | 4,113 |
| Net loans and leases to core deposits | 66.6951% | 4,382 |
| Total domestic deposits to total assets | 89.3274% | 990 |
| Equity capital to assets | 9.9452% | 3,818 |
| Core capital (leverage) ratio | 9.7717% | 3,787 |
| Tier 1 risk-based capital ratio | 16.2185% | 2,468 |
| Total risk-based capital ratio | 17.4759% | 2,405 |
| Memoranda: | ||
| Average total assets | $67,816,500 | 4,957 |
| Average earning assets | $63,905,500 | 4,919 |
| Average equity | $6,538,500 | 5,153 |
| Average total loans | $40,955,500 | 4,814 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9707% | 3,306 |
| Cost of funding earning assets | 0.2484% | 4,579 |
| Net interest margin | 3.7223% | 2,602 |
| Noninterest income to average assets | 0.3509% | 4,220 |
| Noninterest expense to average assets | 2.3541% | 4,407 |
| Loan and lease loss provision to assets | 0.4368% | 333 |
| Net operating income to assets | 1.0573% | 2,106 |
| Return on assets (ROA) | 1.0603% | 2,194 |
| Pretax return on assets | 1.0619% | 3,252 |
| Return on Equity (ROE) | 11.1146% | 1,543 |
| Retained earnings to average equity (ytd only) | 2.4945% | 4,092 |
| Net charge-offs to loans | 0.1352% | 1,893 |
| Credit loss provision to net charge-offs | 508.7719% | 650 |
| Earnings coverage of net charge-offs (x) | 17.4211% | 2,046 |
| Efficiency ratio | 61.1502% | 4,388 |
| Assets per employee ($millions) | 4.3011% | 3,434 |
| Cash dividends to net income (ytd only)* | 77.5568% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 867 |
| Loan loss allowance to noncurrent loans | 4,036.8421% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 5,268 |
| Noncurrent loans to loans | 0.0460% | 5,063 |
| Net loans and leases to total assets | 58.9404% | 3,968 |
| Net loans and leases to deposits | 65.5309% | 4,287 |
| Net loans and leases to core deposits | 65.5309% | 4,552 |
| Total domestic deposits to total assets | 89.9429% | 657 |
| Equity capital to assets | 9.3465% | 4,431 |
| Core capital (leverage) ratio | 9.4747% | 4,118 |
| Tier 1 risk-based capital ratio | 15.4884% | 2,751 |
| Total risk-based capital ratio | 16.7460% | 2,685 |
| Memoranda: | ||
| Average total assets | $66,393,400 | 5,004 |
| Average earning assets | $62,407,000 | 4,972 |
| Average equity | $6,334,000 | 5,222 |
| Average total loans | $42,166,800 | 4,810 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 3,280 |
| Cost of funding earning assets | 0.2519% | 4,586 |
| Net interest margin | 3.7337% | 2,579 |
| Noninterest income to average assets | 0.3385% | 4,357 |
| Noninterest expense to average assets | 2.3895% | 4,310 |
| Loan and lease loss provision to assets | 0.5695% | 202 |
| Net operating income to assets | 0.8938% | 2,940 |
| Return on assets (ROA) | 0.8978% | 3,056 |
| Pretax return on assets | 0.8978% | 3,985 |
| Return on Equity (ROE) | 9.3613% | 2,329 |
| Retained earnings to average equity (ytd only) | -2.1766% | 5,603 |
| Net charge-offs to loans | 0.1699% | 1,351 |
| Credit loss provision to net charge-offs | 520.3704% | 683 |
| Earnings coverage of net charge-offs (x) | 13.3700% | 2,317 |
| Efficiency ratio | 62.0200% | 4,228 |
| Assets per employee ($millions) | 4.1676% | 3,660 |
| Cash dividends to net income (ytd only)* | 123.2507% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7615% | 1,084 |
| Loan loss allowance to noncurrent loans | 487.8205% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 4,508 |
| Noncurrent loans to loans | 0.3611% | 3,963 |
| Net loans and leases to total assets | 63.6484% | 3,445 |
| Net loans and leases to deposits | 70.8548% | 3,905 |
| Net loans and leases to core deposits | 70.8548% | 4,261 |
| Total domestic deposits to total assets | 89.8293% | 548 |
| Equity capital to assets | 9.3713% | 4,790 |
| Core capital (leverage) ratio | 9.3012% | 4,457 |
| Tier 1 risk-based capital ratio | 14.5580% | 3,265 |
| Total risk-based capital ratio | 15.8135% | 3,194 |
| Memoranda: | ||
| Average total assets | $65,787,500 | 5,059 |
| Average earning assets | $61,920,250 | 5,024 |
| Average equity | $6,309,500 | 5,280 |
| Average total loans | $42,376,500 | 4,848 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 3,416 |
| Cost of funding earning assets | 0.2531% | 4,629 |
| Net interest margin | 3.6991% | 2,698 |
| Noninterest income to average assets | 0.3115% | 4,550 |
| Noninterest expense to average assets | 2.4248% | 4,252 |
| Loan and lease loss provision to assets | 0.0550% | 3,051 |
| Net operating income to assets | 1.3132% | 1,241 |
| Return on assets (ROA) | 1.3193% | 1,316 |
| Pretax return on assets | 1.3193% | 2,331 |
| Return on Equity (ROE) | 13.6500% | 897 |
| Retained earnings to average equity (ytd only) | 1.7378% | 4,693 |
| Net charge-offs to loans | 0.0238% | 3,013 |
| Credit loss provision to net charge-offs | 360.0000% | 838 |
| Earnings coverage of net charge-offs (x) | 89.6000% | 638 |
| Efficiency ratio | 63.9291% | 4,031 |
| Assets per employee ($millions) | 4.1158% | 3,710 |
| Cash dividends to net income (ytd only)* | 87.2685% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 3,052 |
| Loan loss allowance to noncurrent loans | 247.5113% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 4,155 |
| Noncurrent loans to loans | 0.5065% | 3,565 |
| Net loans and leases to total assets | 65.4245% | 3,165 |
| Net loans and leases to deposits | 73.1514% | 3,688 |
| Net loans and leases to core deposits | 73.1514% | 4,065 |
| Total domestic deposits to total assets | 89.4371% | 714 |
| Equity capital to assets | 9.7596% | 4,502 |
| Core capital (leverage) ratio | 9.7983% | 3,811 |
| Tier 1 risk-based capital ratio | 14.7368% | 3,188 |
| Total risk-based capital ratio | 15.9877% | 3,138 |
| Memoranda: | ||
| Average total assets | $65,489,330 | 5,114 |
| Average earning assets | $61,636,000 | 5,078 |
| Average equity | $6,329,670 | 5,326 |
| Average total loans | $42,101,000 | 4,897 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 3,659 |
| Cost of funding earning assets | 0.2539% | 4,661 |
| Net interest margin | 3.6268% | 2,983 |
| Noninterest income to average assets | 0.2756% | 4,754 |
| Noninterest expense to average assets | 2.5051% | 4,056 |
| Loan and lease loss provision to assets | 0.0551% | 2,842 |
| Net operating income to assets | 1.1270% | 1,804 |
| Return on assets (ROA) | 1.1270% | 1,909 |
| Pretax return on assets | 1.1270% | 2,984 |
| Return on Equity (ROE) | 11.7179% | 1,398 |
| Retained earnings to average equity (ytd only) | -7.3874% | 5,733 |
| Net charge-offs to loans | 0.0484% | 2,074 |
| Credit loss provision to net charge-offs | 180.0000% | 1,151 |
| Earnings coverage of net charge-offs (x) | 38.6000% | 1,026 |
| Efficiency ratio | 67.9402% | 3,469 |
| Assets per employee ($millions) | 3.9839% | 3,974 |
| Cash dividends to net income (ytd only)* | 163.0435% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 3,103 |
| Loan loss allowance to noncurrent loans | 188.1119% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 3,795 |
| Noncurrent loans to loans | 0.6707% | 3,162 |
| Net loans and leases to total assets | 66.0506% | 2,935 |
| Net loans and leases to deposits | 73.4905% | 3,504 |
| Net loans and leases to core deposits | 73.4905% | 3,938 |
| Total domestic deposits to total assets | 89.8764% | 646 |
| Equity capital to assets | 9.7769% | 4,369 |
| Core capital (leverage) ratio | 9.5255% | 4,143 |
| Tier 1 risk-based capital ratio | 14.5469% | 3,369 |
| Total risk-based capital ratio | 15.7970% | 3,309 |
| Memoranda: | ||
| Average total assets | $65,307,500 | 5,171 |
| Average earning assets | $61,431,000 | 5,124 |
| Average equity | $6,281,000 | 5,367 |
| Average total loans | $41,336,000 | 4,967 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6863% | 4,410 |
| Cost of funding earning assets | 0.2756% | 4,530 |
| Net interest margin | 3.4106% | 3,868 |
| Noninterest income to average assets | 0.4226% | 3,870 |
| Noninterest expense to average assets | 2.3663% | 4,600 |
| Loan and lease loss provision to assets | 0.0553% | 3,204 |
| Net operating income to assets | 1.1939% | 1,572 |
| Return on assets (ROA) | 1.1939% | 1,645 |
| Pretax return on assets | 1.1954% | 2,672 |
| Return on Equity (ROE) | 12.8783% | 1,086 |
| Retained earnings to average equity (ytd only) | 7.9060% | 947 |
| Net charge-offs to loans | 0.0051% | 4,270 |
| Credit loss provision to net charge-offs | 1,800.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 407.0000% | 158 |
| Efficiency ratio | 65.4206% | 4,002 |
| Assets per employee ($millions) | 4.1796% | 3,611 |
| Cash dividends to net income (ytd only)* | 38.6100% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 2,739 |
| Loan loss allowance to noncurrent loans | 207.7821% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 4,058 |
| Noncurrent loans to loans | 0.6420% | 3,260 |
| Net loans and leases to total assets | 59.0642% | 3,961 |
| Net loans and leases to deposits | 65.4688% | 4,355 |
| Net loans and leases to core deposits | 65.4688% | 4,634 |
| Total domestic deposits to total assets | 90.2173% | 537 |
| Equity capital to assets | 9.4657% | 4,592 |
| Core capital (leverage) ratio | 9.7087% | 3,892 |
| Tier 1 risk-based capital ratio | 15.4632% | 2,947 |
| Total risk-based capital ratio | 16.7134% | 2,885 |
| Memoranda: | ||
| Average total assets | $65,081,000 | 5,199 |
| Average earning assets | $60,956,200 | 5,164 |
| Average equity | $6,033,400 | 5,432 |
| Average total loans | $39,232,400 | 5,042 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6978% | 4,424 |
| Cost of funding earning assets | 0.2800% | 4,558 |
| Net interest margin | 3.4178% | 3,879 |
| Noninterest income to average assets | 0.4394% | 3,801 |
| Noninterest expense to average assets | 2.3971% | 4,522 |
| Loan and lease loss provision to assets | 0.0557% | 3,082 |
| Net operating income to assets | 1.1841% | 1,699 |
| Return on assets (ROA) | 1.1841% | 1,770 |
| Pretax return on assets | 1.1841% | 2,878 |
| Return on Equity (ROE) | 12.8424% | 1,165 |
| Retained earnings to average equity (ytd only) | 7.2491% | 1,575 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9104% | 3,903 |
| Assets per employee ($millions) | 3.9786% | 3,914 |
| Cash dividends to net income (ytd only)* | 43.5549% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 2,944 |
| Loan loss allowance to noncurrent loans | 213.3603% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 4,214 |
| Noncurrent loans to loans | 0.6243% | 3,449 |
| Net loans and leases to total assets | 61.3271% | 3,687 |
| Net loans and leases to deposits | 68.3025% | 4,160 |
| Net loans and leases to core deposits | 68.3025% | 4,518 |
| Total domestic deposits to total assets | 89.7875% | 658 |
| Equity capital to assets | 9.7538% | 4,442 |
| Core capital (leverage) ratio | 9.6127% | 4,151 |
| Tier 1 risk-based capital ratio | 15.4187% | 3,087 |
| Total risk-based capital ratio | 16.6688% | 3,014 |
| Memoranda: | ||
| Average total assets | $64,633,000 | 5,274 |
| Average earning assets | $60,466,750 | 5,235 |
| Average equity | $5,959,250 | 5,509 |
| Average total loans | $39,032,500 | 5,106 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6309% | 4,635 |
| Cost of funding earning assets | 0.2760% | 4,656 |
| Net interest margin | 3.3549% | 4,082 |
| Noninterest income to average assets | 0.4372% | 3,799 |
| Noninterest expense to average assets | 2.4231% | 4,478 |
| Loan and lease loss provision to assets | 0.0554% | 3,001 |
| Net operating income to assets | 1.1022% | 1,946 |
| Return on assets (ROA) | 1.1022% | 2,034 |
| Pretax return on assets | 1.1022% | 3,166 |
| Return on Equity (ROE) | 12.1852% | 1,320 |
| Retained earnings to average equity (ytd only) | 3.6760% | 3,684 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6698% | 3,721 |
| Assets per employee ($millions) | 4.0236% | 3,838 |
| Cash dividends to net income (ytd only)* | 69.8324% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 3,129 |
| Loan loss allowance to noncurrent loans | 208.8710% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 4,360 |
| Noncurrent loans to loans | 0.6322% | 3,579 |
| Net loans and leases to total assets | 60.1292% | 3,815 |
| Net loans and leases to deposits | 66.6024% | 4,281 |
| Net loans and leases to core deposits | 66.6024% | 4,606 |
| Total domestic deposits to total assets | 90.2808% | 547 |
| Equity capital to assets | 9.2827% | 4,918 |
| Core capital (leverage) ratio | 9.2302% | 4,648 |
| Tier 1 risk-based capital ratio | 14.8769% | 3,427 |
| Total risk-based capital ratio | 16.1271% | 3,359 |
| Memoranda: | ||
| Average total assets | $64,958,330 | 5,324 |
| Average earning assets | $60,867,000 | 5,283 |
| Average equity | $5,876,000 | 5,577 |
| Average total loans | $38,854,670 | 5,148 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6202% | 4,627 |
| Cost of funding earning assets | 0.2765% | 4,708 |
| Net interest margin | 3.3438% | 4,047 |
| Noninterest income to average assets | 0.3310% | 4,544 |
| Noninterest expense to average assets | 2.4583% | 4,416 |
| Loan and lease loss provision to assets | 0.0552% | 2,830 |
| Net operating income to assets | 0.9318% | 2,598 |
| Return on assets (ROA) | 0.9318% | 2,727 |
| Pretax return on assets | 0.9318% | 3,775 |
| Return on Equity (ROE) | 10.4360% | 1,818 |
| Retained earnings to average equity (ytd only) | -6.7285% | 6,024 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3523% | 3,274 |
| Assets per employee ($millions) | 3.8457% | 4,257 |
| Cash dividends to net income (ytd only)* | 164.4737% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 3,290 |
| Loan loss allowance to noncurrent loans | 203.6000% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 4,489 |
| Noncurrent loans to loans | 0.6500% | 3,651 |
| Net loans and leases to total assets | 58.0479% | 3,937 |
| Net loans and leases to deposits | 64.0236% | 4,370 |
| Net loans and leases to core deposits | 64.0236% | 4,694 |
| Total domestic deposits to total assets | 90.6664% | 475 |
| Equity capital to assets | 8.8624% | 5,430 |
| Core capital (leverage) ratio | 8.8348% | 5,155 |
| Tier 1 risk-based capital ratio | 14.6408% | 3,628 |
| Total risk-based capital ratio | 15.8899% | 3,556 |
| Memoranda: | ||
| Average total assets | $65,248,500 | 5,370 |
| Average earning assets | $60,770,000 | 5,336 |
| Average equity | $5,826,000 | 5,647 |
| Average total loans | $38,668,000 | 5,188 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4478% | 5,436 |
| Cost of funding earning assets | 0.3116% | 4,663 |
| Net interest margin | 3.1362% | 5,108 |
| Noninterest income to average assets | 0.3813% | 4,333 |
| Noninterest expense to average assets | 2.3873% | 4,879 |
| Loan and lease loss provision to assets | 0.0567% | 3,415 |
| Net operating income to assets | 0.8652% | 3,042 |
| Return on assets (ROA) | 0.8744% | 3,084 |
| Pretax return on assets | 0.8744% | 3,981 |
| Return on Equity (ROE) | 10.0285% | 2,103 |
| Retained earnings to average equity (ytd only) | 2.3886% | 4,530 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1425% | 3,183 |
| Assets per employee ($millions) | 3.8306% | 4,288 |
| Cash dividends to net income (ytd only)* | 76.1821% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 3,505 |
| Loan loss allowance to noncurrent loans | 190.8397% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 4,486 |
| Noncurrent loans to loans | 0.6739% | 3,661 |
| Net loans and leases to total assets | 58.9327% | 3,927 |
| Net loans and leases to deposits | 65.1031% | 4,420 |
| Net loans and leases to core deposits | 65.1031% | 4,743 |
| Total domestic deposits to total assets | 90.5221% | 532 |
| Equity capital to assets | 8.9957% | 5,290 |
| Core capital (leverage) ratio | 9.1262% | 4,787 |
| Tier 1 risk-based capital ratio | 14.9875% | 3,492 |
| Total risk-based capital ratio | 16.2369% | 3,429 |
| Memoranda: | ||
| Average total assets | $65,304,400 | 5,415 |
| Average earning assets | $60,966,200 | 5,373 |
| Average equity | $5,693,800 | 5,693 |
| Average total loans | $35,186,400 | 5,357 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3521% | 5,671 |
| Cost of funding earning assets | 0.3154% | 4,723 |
| Net interest margin | 3.0367% | 5,415 |
| Noninterest income to average assets | 0.3530% | 4,614 |
| Noninterest expense to average assets | 2.4116% | 4,791 |
| Loan and lease loss provision to assets | 0.0571% | 3,226 |
| Net operating income to assets | 0.7324% | 3,771 |
| Return on assets (ROA) | 0.7447% | 3,796 |
| Pretax return on assets | 0.7447% | 4,541 |
| Return on Equity (ROE) | 8.6091% | 2,900 |
| Retained earnings to average equity (ytd only) | 1.5331% | 5,276 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3346% | 2,611 |
| Assets per employee ($millions) | 3.9929% | 3,902 |
| Cash dividends to net income (ytd only)* | 82.1925% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 3,672 |
| Loan loss allowance to noncurrent loans | 181.5498% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 4,641 |
| Noncurrent loans to loans | 0.7128% | 3,828 |
| Net loans and leases to total assets | 58.7421% | 3,971 |
| Net loans and leases to deposits | 65.0342% | 4,426 |
| Net loans and leases to core deposits | 65.0342% | 4,795 |
| Total domestic deposits to total assets | 90.3250% | 603 |
| Equity capital to assets | 9.0928% | 5,260 |
| Core capital (leverage) ratio | 8.8952% | 5,202 |
| Tier 1 risk-based capital ratio | 15.4478% | 3,351 |
| Total risk-based capital ratio | 16.6976% | 3,286 |
| Memoranda: | ||
| Average total assets | $65,350,500 | 5,469 |
| Average earning assets | $61,293,500 | 5,425 |
| Average equity | $5,652,750 | 5,758 |
| Average total loans | $34,263,750 | 5,441 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2000% | 5,955 |
| Cost of funding earning assets | 0.3135% | 4,843 |
| Net interest margin | 2.8865% | 5,756 |
| Noninterest income to average assets | 0.3190% | 4,863 |
| Noninterest expense to average assets | 2.4271% | 4,804 |
| Loan and lease loss provision to assets | 0.0577% | 3,136 |
| Net operating income to assets | 0.5468% | 4,617 |
| Return on assets (ROA) | 0.5650% | 4,625 |
| Pretax return on assets | 0.5650% | 5,072 |
| Return on Equity (ROE) | 6.6421% | 3,810 |
| Retained earnings to average equity (ytd only) | -4.0709% | 6,180 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0601% | 2,020 |
| Assets per employee ($millions) | 4.0253% | 3,785 |
| Cash dividends to net income (ytd only)* | 161.2903% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 3,571 |
| Loan loss allowance to noncurrent loans | 345.0000% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 5,464 |
| Noncurrent loans to loans | 0.3924% | 4,816 |
| Net loans and leases to total assets | 54.6448% | 4,459 |
| Net loans and leases to deposits | 60.2441% | 4,845 |
| Net loans and leases to core deposits | 60.2441% | 5,118 |
| Total domestic deposits to total assets | 90.7057% | 506 |
| Equity capital to assets | 8.7245% | 5,597 |
| Core capital (leverage) ratio | 8.5305% | 5,603 |
| Tier 1 risk-based capital ratio | 15.2136% | 3,520 |
| Total risk-based capital ratio | 16.4650% | 3,465 |
| Memoranda: | ||
| Average total assets | $65,838,670 | 5,511 |
| Average earning assets | $61,874,670 | 5,458 |
| Average equity | $5,600,670 | 5,803 |
| Average total loans | $33,011,670 | 5,531 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1322% | 6,083 |
| Cost of funding earning assets | 0.3145% | 4,924 |
| Net interest margin | 2.8177% | 5,902 |
| Noninterest income to average assets | 0.3306% | 4,730 |
| Noninterest expense to average assets | 2.4280% | 4,853 |
| Loan and lease loss provision to assets | 0.0601% | 2,903 |
| Net operating income to assets | 0.4808% | 4,781 |
| Return on assets (ROA) | 0.4808% | 4,857 |
| Pretax return on assets | 0.4808% | 5,225 |
| Return on Equity (ROE) | 5.7230% | 4,170 |
| Retained earnings to average equity (ytd only) | -15.7382% | 6,479 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7814% | 1,955 |
| Assets per employee ($millions) | 4.1791% | 3,576 |
| Cash dividends to net income (ytd only)* | 375.0000% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 3,086 |
| Loan loss allowance to noncurrent loans | 326.8966% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 5,458 |
| Noncurrent loans to loans | 0.4628% | 4,766 |
| Net loans and leases to total assets | 46.1497% | 5,318 |
| Net loans and leases to deposits | 50.5827% | 5,552 |
| Net loans and leases to core deposits | 50.5827% | 5,720 |
| Total domestic deposits to total assets | 91.2361% | 470 |
| Equity capital to assets | 8.2106% | 5,901 |
| Core capital (leverage) ratio | 8.2200% | 5,927 |
| Tier 1 risk-based capital ratio | 15.7921% | 3,272 |
| Total risk-based capital ratio | 17.0438% | 3,236 |
| Memoranda: | ||
| Average total assets | $66,555,500 | 5,544 |
| Average earning assets | $62,321,000 | 5,490 |
| Average equity | $5,591,500 | 5,844 |
| Average total loans | $31,679,000 | 5,643 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4517% | 5,728 |
| Cost of funding earning assets | 0.3481% | 5,160 |
| Net interest margin | 3.1036% | 5,301 |
| Noninterest income to average assets | 0.4181% | 4,313 |
| Noninterest expense to average assets | 2.3606% | 5,200 |
| Loan and lease loss provision to assets | 0.0724% | 3,664 |
| Net operating income to assets | 0.8905% | 2,830 |
| Return on assets (ROA) | 0.9524% | 2,628 |
| Pretax return on assets | 0.9539% | 3,543 |
| Return on Equity (ROE) | 11.3559% | 1,653 |
| Retained earnings to average equity (ytd only) | 5.4170% | 2,337 |
| Net charge-offs to loans | 0.0689% | 4,244 |
| Credit loss provision to net charge-offs | 208.6957% | 1,105 |
| Earnings coverage of net charge-offs (x) | 27.7826% | 1,261 |
| Efficiency ratio | 70.9941% | 3,674 |
| Assets per employee ($millions) | 3.8968% | 4,071 |
| Cash dividends to net income (ytd only)* | 52.2979% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 3,418 |
| Loan loss allowance to noncurrent loans | 305.2632% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 5,490 |
| Noncurrent loans to loans | 0.4746% | 4,806 |
| Net loans and leases to total assets | 47.6436% | 5,332 |
| Net loans and leases to deposits | 52.4355% | 5,592 |
| Net loans and leases to core deposits | 52.4355% | 5,764 |
| Total domestic deposits to total assets | 90.8613% | 630 |
| Equity capital to assets | 8.5937% | 5,481 |
| Core capital (leverage) ratio | 8.5452% | 5,615 |
| Tier 1 risk-based capital ratio | 15.7330% | 3,230 |
| Total risk-based capital ratio | 16.9844% | 3,190 |
| Memoranda: | ||
| Average total assets | $66,253,200 | 5,587 |
| Average earning assets | $62,056,000 | 5,537 |
| Average equity | $5,556,600 | 5,917 |
| Average total loans | $33,399,400 | 5,605 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 5,782 |
| Cost of funding earning assets | 0.3537% | 5,261 |
| Net interest margin | 3.0995% | 5,320 |
| Noninterest income to average assets | 0.3904% | 4,605 |
| Noninterest expense to average assets | 2.4128% | 4,989 |
| Loan and lease loss provision to assets | 0.0724% | 3,613 |
| Net operating income to assets | 0.8130% | 3,277 |
| Return on assets (ROA) | 0.8955% | 2,972 |
| Pretax return on assets | 0.8975% | 3,898 |
| Return on Equity (ROE) | 10.7437% | 1,908 |
| Retained earnings to average equity (ytd only) | 4.7078% | 3,301 |
| Net charge-offs to loans | 0.0909% | 3,662 |
| Credit loss provision to net charge-offs | 156.5217% | 1,510 |
| Earnings coverage of net charge-offs (x) | 19.1715% | 1,640 |
| Efficiency ratio | 73.1098% | 3,203 |
| Assets per employee ($millions) | 3.9605% | 3,912 |
| Cash dividends to net income (ytd only)* | 56.1805% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 4,025 |
| Loan loss allowance to noncurrent loans | 301.3333% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 5,696 |
| Noncurrent loans to loans | 0.4549% | 5,054 |
| Net loans and leases to total assets | 48.2987% | 5,319 |
| Net loans and leases to deposits | 53.0083% | 5,630 |
| Net loans and leases to core deposits | 53.0083% | 5,829 |
| Total domestic deposits to total assets | 91.1153% | 481 |
| Equity capital to assets | 8.2654% | 5,941 |
| Core capital (leverage) ratio | 8.4487% | 5,815 |
| Tier 1 risk-based capital ratio | 15.7603% | 3,323 |
| Total risk-based capital ratio | 17.0094% | 3,275 |
| Memoranda: | ||
| Average total assets | $66,255,000 | 5,642 |
| Average earning assets | $62,202,500 | 5,590 |
| Average equity | $5,522,500 | 5,994 |
| Average total loans | $33,742,750 | 5,644 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5818% | 5,492 |
| Cost of funding earning assets | 0.3621% | 5,301 |
| Net interest margin | 3.2197% | 4,872 |
| Noninterest income to average assets | 0.3794% | 4,673 |
| Noninterest expense to average assets | 2.4553% | 4,880 |
| Loan and lease loss provision to assets | 0.0728% | 3,584 |
| Net operating income to assets | 0.8711% | 2,949 |
| Return on assets (ROA) | 0.9955% | 2,490 |
| Pretax return on assets | 0.9985% | 3,515 |
| Return on Equity (ROE) | 11.9092% | 1,522 |
| Retained earnings to average equity (ytd only) | 2.8321% | 4,513 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1677% | 3,441 |
| Assets per employee ($millions) | 3.8522% | 4,108 |
| Cash dividends to net income (ytd only)* | 76.2195% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 4,361 |
| Loan loss allowance to noncurrent loans | 246.2766% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 5,620 |
| Noncurrent loans to loans | 0.5400% | 4,904 |
| Net loans and leases to total assets | 52.4585% | 4,797 |
| Net loans and leases to deposits | 57.6574% | 5,189 |
| Net loans and leases to core deposits | 57.6574% | 5,449 |
| Total domestic deposits to total assets | 90.9831% | 550 |
| Equity capital to assets | 8.3557% | 5,914 |
| Core capital (leverage) ratio | 8.2897% | 5,894 |
| Tier 1 risk-based capital ratio | 14.8753% | 3,859 |
| Total risk-based capital ratio | 16.1263% | 3,822 |
| Memoranda: | ||
| Average total assets | $65,897,000 | 5,694 |
| Average earning assets | $61,868,670 | 5,635 |
| Average equity | $5,508,330 | 6,039 |
| Average total loans | $34,000,000 | 5,666 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5992% | 5,460 |
| Cost of funding earning assets | 0.3826% | 5,259 |
| Net interest margin | 3.2166% | 4,861 |
| Noninterest income to average assets | 0.3510% | 4,870 |
| Noninterest expense to average assets | 2.5415% | 4,610 |
| Loan and lease loss provision to assets | 0.0726% | 3,417 |
| Net operating income to assets | 0.7383% | 3,487 |
| Return on assets (ROA) | 0.9864% | 2,409 |
| Pretax return on assets | 0.9864% | 3,416 |
| Return on Equity (ROE) | 11.7977% | 1,474 |
| Retained earnings to average equity (ytd only) | -6.2969% | 6,432 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8123% | 2,955 |
| Assets per employee ($millions) | 3.8756% | 4,201 |
| Cash dividends to net income (ytd only)* | 153.3742% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 4,534 |
| Loan loss allowance to noncurrent loans | 324.4604% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 5,578 |
| Noncurrent loans to loans | 0.4115% | 5,383 |
| Net loans and leases to total assets | 50.5866% | 4,911 |
| Net loans and leases to deposits | 55.5354% | 5,290 |
| Net loans and leases to core deposits | 55.5354% | 5,555 |
| Total domestic deposits to total assets | 91.0890% | 490 |
| Equity capital to assets | 8.2523% | 6,217 |
| Core capital (leverage) ratio | 7.8522% | 6,251 |
| Tier 1 risk-based capital ratio | 14.5940% | 4,109 |
| Total risk-based capital ratio | 15.8401% | 4,077 |
| Memoranda: | ||
| Average total assets | $66,101,500 | 5,735 |
| Average earning assets | $61,680,000 | 5,687 |
| Average equity | $5,526,500 | 6,094 |
| Average total loans | $33,591,500 | 5,720 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 5,877 |
| Cost of funding earning assets | 0.5052% | 5,178 |
| Net interest margin | 3.2757% | 5,337 |
| Noninterest income to average assets | 0.3278% | 5,113 |
| Noninterest expense to average assets | 2.4035% | 5,397 |
| Loan and lease loss provision to assets | 0.0971% | 4,434 |
| Net operating income to assets | 0.8953% | 2,848 |
| Return on assets (ROA) | 0.9817% | 2,641 |
| Pretax return on assets | 0.9833% | 3,605 |
| Return on Equity (ROE) | 11.9417% | 1,528 |
| Retained earnings to average equity (ytd only) | 4.7619% | 2,876 |
| Net charge-offs to loans | 0.0881% | 4,798 |
| Credit loss provision to net charge-offs | 220.6897% | 1,138 |
| Earnings coverage of net charge-offs (x) | 22.5862% | 1,255 |
| Efficiency ratio | 70.7459% | 3,665 |
| Assets per employee ($millions) | 3.9011% | 4,151 |
| Cash dividends to net income (ytd only)* | 60.1236% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 6,259 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 49.7060% | 5,207 |
| Net loans and leases to deposits | 54.6848% | 5,588 |
| Net loans and leases to core deposits | 54.6848% | 5,826 |
| Total domestic deposits to total assets | 90.8954% | 534 |
| Equity capital to assets | 8.4683% | 6,072 |
| Core capital (leverage) ratio | 7.9259% | 6,262 |
| Tier 1 risk-based capital ratio | 14.7314% | 3,878 |
| Total risk-based capital ratio | 15.9359% | 3,862 |
| Memoranda: | ||
| Average total assets | $65,903,200 | 5,746 |
| Average earning assets | $61,758,200 | 5,681 |
| Average equity | $5,418,000 | 6,173 |
| Average total loans | $32,899,800 | 5,807 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 6,059 |
| Cost of funding earning assets | 0.5249% | 5,274 |
| Net interest margin | 3.2594% | 5,516 |
| Noninterest income to average assets | 0.3040% | 5,353 |
| Noninterest expense to average assets | 2.4741% | 5,167 |
| Loan and lease loss provision to assets | 0.0810% | 4,618 |
| Net operating income to assets | 0.8166% | 3,367 |
| Return on assets (ROA) | 0.9321% | 3,051 |
| Pretax return on assets | 0.9341% | 3,982 |
| Return on Equity (ROE) | 11.4244% | 1,811 |
| Retained earnings to average equity (ytd only) | 1.7632% | 5,447 |
| Net charge-offs to loans | 0.1180% | 4,200 |
| Credit loss provision to net charge-offs | 137.9310% | 2,086 |
| Earnings coverage of net charge-offs (x) | 15.3088% | 1,773 |
| Efficiency ratio | 73.3333% | 3,096 |
| Assets per employee ($millions) | 3.7952% | 4,311 |
| Cash dividends to net income (ytd only)* | 84.5643% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 5,050 |
| Loan loss allowance to noncurrent loans | 406.8627% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 5,989 |
| Noncurrent loans to loans | 0.3071% | 5,872 |
| Net loans and leases to total assets | 48.0128% | 5,545 |
| Net loans and leases to deposits | 52.6173% | 5,929 |
| Net loans and leases to core deposits | 52.6173% | 6,140 |
| Total domestic deposits to total assets | 91.2491% | 346 |
| Equity capital to assets | 8.0234% | 6,577 |
| Core capital (leverage) ratio | 7.7375% | 6,503 |
| Tier 1 risk-based capital ratio | 14.1499% | 4,418 |
| Total risk-based capital ratio | 15.2834% | 4,458 |
| Memoranda: | ||
| Average total assets | $65,799,500 | 5,816 |
| Average earning assets | $61,974,000 | 5,738 |
| Average equity | $5,368,500 | 6,253 |
| Average total loans | $32,774,000 | 5,889 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8731% | 5,981 |
| Cost of funding earning assets | 0.5453% | 5,331 |
| Net interest margin | 3.3278% | 5,356 |
| Noninterest income to average assets | 0.2309% | 5,922 |
| Noninterest expense to average assets | 2.5677% | 4,892 |
| Loan and lease loss provision to assets | 0.0616% | 4,877 |
| Net operating income to assets | 0.7173% | 3,770 |
| Return on assets (ROA) | 0.8928% | 3,207 |
| Pretax return on assets | 0.8959% | 4,092 |
| Return on Equity (ROE) | 10.8798% | 2,025 |
| Retained earnings to average equity (ytd only) | -2.2510% | 6,391 |
| Net charge-offs to loans | 0.1655% | 3,616 |
| Credit loss provision to net charge-offs | 74.0741% | 3,473 |
| Earnings coverage of net charge-offs (x) | 9.4074% | 2,171 |
| Efficiency ratio | 76.6544% | 2,645 |
| Assets per employee ($millions) | 3.5856% | 4,776 |
| Cash dividends to net income (ytd only)* | 120.6897% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 5,385 |
| Loan loss allowance to noncurrent loans | 1,985.0000% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 5,811 |
| Noncurrent loans to loans | 0.0601% | 6,523 |
| Net loans and leases to total assets | 50.9227% | 5,235 |
| Net loans and leases to deposits | 55.9898% | 5,642 |
| Net loans and leases to core deposits | 55.9898% | 5,944 |
| Total domestic deposits to total assets | 90.9499% | 466 |
| Equity capital to assets | 8.2738% | 6,397 |
| Core capital (leverage) ratio | 7.8867% | 6,382 |
| Tier 1 risk-based capital ratio | 14.0332% | 4,429 |
| Total risk-based capital ratio | 15.1364% | 4,504 |
| Memoranda: | ||
| Average total assets | $64,961,670 | 5,884 |
| Average earning assets | $60,881,330 | 5,807 |
| Average equity | $5,331,000 | 6,294 |
| Average total loans | $32,627,330 | 5,925 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8783% | 6,075 |
| Cost of funding earning assets | 0.5672% | 5,379 |
| Net interest margin | 3.3110% | 5,435 |
| Noninterest income to average assets | 0.1228% | 6,640 |
| Noninterest expense to average assets | 2.7005% | 4,422 |
| Loan and lease loss provision to assets | 0.0491% | 4,793 |
| Net operating income to assets | 0.4542% | 5,016 |
| Return on assets (ROA) | 0.6874% | 4,160 |
| Pretax return on assets | 0.6874% | 4,833 |
| Return on Equity (ROE) | 8.4108% | 3,101 |
| Retained earnings to average equity (ytd only) | -17.8729% | 7,018 |
| Net charge-offs to loans | 0.2847% | 2,530 |
| Credit loss provision to net charge-offs | 34.7826% | 3,539 |
| Earnings coverage of net charge-offs (x) | 3.5652% | 2,801 |
| Efficiency ratio | 84.2912% | 1,655 |
| Assets per employee ($millions) | 3.5869% | 4,916 |
| Cash dividends to net income (ytd only)* | 312.5000% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 5,282 |
| Loan loss allowance to noncurrent loans | 4,862.5000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 5,870 |
| Noncurrent loans to loans | 0.0256% | 6,708 |
| Net loans and leases to total assets | 47.7867% | 5,583 |
| Net loans and leases to deposits | 52.4087% | 5,947 |
| Net loans and leases to core deposits | 52.4087% | 6,172 |
| Total domestic deposits to total assets | 91.1808% | 483 |
| Equity capital to assets | 8.0153% | 6,514 |
| Core capital (leverage) ratio | 7.7169% | 6,471 |
| Tier 1 risk-based capital ratio | 13.7814% | 4,626 |
| Total risk-based capital ratio | 14.8818% | 4,713 |
| Memoranda: | ||
| Average total assets | $65,172,000 | 5,913 |
| Average earning assets | $60,645,500 | 5,849 |
| Average equity | $5,326,500 | 6,325 |
| Average total loans | $32,309,500 | 5,985 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 5,310 |
| Cost of funding earning assets | 0.7846% | 4,975 |
| Net interest margin | 3.6455% | 4,541 |
| Noninterest income to average assets | 0.4722% | 4,044 |
| Noninterest expense to average assets | 2.7567% | 4,524 |
| Loan and lease loss provision to assets | 0.0438% | 6,028 |
| Net operating income to assets | 1.0401% | 2,043 |
| Return on assets (ROA) | 1.0401% | 2,189 |
| Pretax return on assets | 1.0417% | 3,069 |
| Return on Equity (ROE) | 12.2675% | 1,339 |
| Retained earnings to average equity (ytd only) | 2.3923% | 4,520 |
| Net charge-offs to loans | 0.1908% | 4,617 |
| Credit loss provision to net charge-offs | 42.8571% | 5,575 |
| Earnings coverage of net charge-offs (x) | 10.6190% | 1,815 |
| Efficiency ratio | 71.7483% | 3,624 |
| Assets per employee ($millions) | 3.4621% | 5,112 |
| Cash dividends to net income (ytd only)* | 80.4992% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 5,339 |
| Loan loss allowance to noncurrent loans | 290.6475% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 5,723 |
| Noncurrent loans to loans | 0.4165% | 5,883 |
| Net loans and leases to total assets | 50.1262% | 5,564 |
| Net loans and leases to deposits | 55.1545% | 5,964 |
| Net loans and leases to core deposits | 55.1545% | 6,217 |
| Total domestic deposits to total assets | 90.8832% | 550 |
| Equity capital to assets | 8.3278% | 6,321 |
| Core capital (leverage) ratio | 7.9213% | 6,335 |
| Tier 1 risk-based capital ratio | 13.4772% | 4,706 |
| Total risk-based capital ratio | 14.5427% | 4,825 |
| Memoranda: | ||
| Average total assets | $61,630,800 | 5,992 |
| Average earning assets | $56,974,000 | 5,952 |
| Average equity | $5,225,200 | 6,376 |
| Average total loans | $33,021,000 | 6,013 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 5,257 |
| Cost of funding earning assets | 0.8353% | 4,902 |
| Net interest margin | 3.6629% | 4,512 |
| Noninterest income to average assets | 0.4753% | 4,083 |
| Noninterest expense to average assets | 2.7703% | 4,464 |
| Loan and lease loss provision to assets | 0.0462% | 5,863 |
| Net operating income to assets | 1.0628% | 2,097 |
| Return on assets (ROA) | 1.0628% | 2,238 |
| Pretax return on assets | 1.0650% | 3,148 |
| Return on Equity (ROE) | 12.4754% | 1,422 |
| Retained earnings to average equity (ytd only) | 0.8781% | 5,655 |
| Net charge-offs to loans | -0.0203% | 6,914 |
| Credit loss provision to net charge-offs | -420.0000% | 6,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3719% | 3,675 |
| Assets per employee ($millions) | 3.5051% | 4,985 |
| Cash dividends to net income (ytd only)* | 92.9610% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 4,486 |
| Loan loss allowance to noncurrent loans | 100.8658% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 4,831 |
| Noncurrent loans to loans | 1.4036% | 4,188 |
| Net loans and leases to total assets | 51.4328% | 5,520 |
| Net loans and leases to deposits | 56.8122% | 5,949 |
| Net loans and leases to core deposits | 56.8122% | 6,240 |
| Total domestic deposits to total assets | 90.5313% | 626 |
| Equity capital to assets | 8.5764% | 6,224 |
| Core capital (leverage) ratio | 8.0602% | 6,329 |
| Tier 1 risk-based capital ratio | 13.5950% | 4,657 |
| Total risk-based capital ratio | 14.8464% | 4,627 |
| Memoranda: | ||
| Average total assets | $60,593,500 | 6,067 |
| Average earning assets | $56,347,000 | 6,017 |
| Average equity | $5,162,000 | 6,452 |
| Average total loans | $32,932,000 | 6,077 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5703% | 5,099 |
| Cost of funding earning assets | 0.8723% | 4,885 |
| Net interest margin | 3.6981% | 4,268 |
| Noninterest income to average assets | 0.4752% | 4,061 |
| Noninterest expense to average assets | 2.9283% | 3,909 |
| Loan and lease loss provision to assets | 0.0502% | 5,683 |
| Net operating income to assets | 0.9270% | 2,529 |
| Return on assets (ROA) | 0.9270% | 2,635 |
| Pretax return on assets | 0.9304% | 3,506 |
| Return on Equity (ROE) | 10.9077% | 1,827 |
| Retained earnings to average equity (ytd only) | -4.8435% | 6,548 |
| Net charge-offs to loans | -0.0243% | 6,869 |
| Credit loss provision to net charge-offs | -375.0000% | 6,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9144% | 3,197 |
| Assets per employee ($millions) | 3.3462% | 5,330 |
| Cash dividends to net income (ytd only)* | 144.4043% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 4,669 |
| Loan loss allowance to noncurrent loans | 433.0189% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 6,110 |
| Noncurrent loans to loans | 0.3189% | 6,274 |
| Net loans and leases to total assets | 54.4262% | 5,231 |
| Net loans and leases to deposits | 60.2134% | 5,708 |
| Net loans and leases to core deposits | 60.2134% | 6,071 |
| Total domestic deposits to total assets | 90.3888% | 764 |
| Equity capital to assets | 8.6515% | 6,000 |
| Core capital (leverage) ratio | 8.0701% | 6,209 |
| Tier 1 risk-based capital ratio | 13.2889% | 4,700 |
| Total risk-based capital ratio | 14.5380% | 4,676 |
| Memoranda: | ||
| Average total assets | $59,760,670 | 6,146 |
| Average earning assets | $55,488,670 | 6,102 |
| Average equity | $5,079,000 | 6,508 |
| Average total loans | $32,937,330 | 6,139 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 5,208 |
| Cost of funding earning assets | 0.8888% | 5,006 |
| Net interest margin | 3.6492% | 4,331 |
| Noninterest income to average assets | 0.5309% | 3,646 |
| Noninterest expense to average assets | 2.9971% | 3,652 |
| Loan and lease loss provision to assets | 0.0605% | 5,245 |
| Net operating income to assets | 0.8669% | 2,718 |
| Return on assets (ROA) | 0.8669% | 2,774 |
| Pretax return on assets | 0.8669% | 3,636 |
| Return on Equity (ROE) | 10.2932% | 1,995 |
| Retained earnings to average equity (ytd only) | -21.6238% | 7,182 |
| Net charge-offs to loans | -0.0122% | 6,421 |
| Credit loss provision to net charge-offs | -900.0000% | 6,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3699% | 3,096 |
| Assets per employee ($millions) | 3.5718% | 4,821 |
| Cash dividends to net income (ytd only)* | 310.0775% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 4,762 |
| Loan loss allowance to noncurrent loans | 478.7234% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.5122% | 5,953 |
| Noncurrent loans to loans | 0.2884% | 6,411 |
| Net loans and leases to total assets | 52.9306% | 5,464 |
| Net loans and leases to deposits | 58.1783% | 5,907 |
| Net loans and leases to core deposits | 58.1783% | 6,240 |
| Total domestic deposits to total assets | 90.9801% | 637 |
| Equity capital to assets | 8.0549% | 6,449 |
| Core capital (leverage) ratio | 7.9066% | 6,358 |
| Tier 1 risk-based capital ratio | 12.8419% | 4,953 |
| Total risk-based capital ratio | 14.0678% | 4,947 |
| Memoranda: | ||
| Average total assets | $59,525,000 | 6,196 |
| Average earning assets | $55,355,000 | 6,149 |
| Average equity | $5,013,000 | 6,555 |
| Average total loans | $32,785,500 | 6,195 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9989% | 4,563 |
| Cost of funding earning assets | 1.0364% | 5,507 |
| Net interest margin | 3.9625% | 3,200 |
| Noninterest income to average assets | 0.5211% | 4,017 |
| Noninterest expense to average assets | 2.8583% | 4,383 |
| Loan and lease loss provision to assets | 0.2074% | 5,175 |
| Net operating income to assets | 1.1520% | 1,538 |
| Return on assets (ROA) | 1.1520% | 1,620 |
| Pretax return on assets | 1.1538% | 2,382 |
| Return on Equity (ROE) | 13.0421% | 1,079 |
| Retained earnings to average equity (ytd only) | 1.6771% | 4,678 |
| Net charge-offs to loans | 0.2959% | 4,540 |
| Credit loss provision to net charge-offs | 117.8218% | 3,615 |
| Earnings coverage of net charge-offs (x) | 7.7327% | 2,072 |
| Efficiency ratio | 67.7406% | 4,614 |
| Assets per employee ($millions) | 3.4311% | 5,105 |
| Cash dividends to net income (ytd only)* | 87.1407% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 4,830 |
| Loan loss allowance to noncurrent loans | 184.8739% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7801% | 5,453 |
| Noncurrent loans to loans | 0.7216% | 5,603 |
| Net loans and leases to total assets | 55.7887% | 5,376 |
| Net loans and leases to deposits | 61.8415% | 5,857 |
| Net loans and leases to core deposits | 61.8415% | 6,246 |
| Total domestic deposits to total assets | 90.2124% | 980 |
| Equity capital to assets | 8.8035% | 5,427 |
| Core capital (leverage) ratio | 8.5155% | 5,334 |
| Tier 1 risk-based capital ratio | 13.3933% | 4,293 |
| Total risk-based capital ratio | 14.5755% | 4,316 |
| Memoranda: | ||
| Average total assets | $57,376,800 | 6,294 |
| Average earning assets | $53,551,600 | 6,233 |
| Average equity | $5,068,200 | 6,644 |
| Average total loans | $34,128,400 | 6,203 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0646% | 4,510 |
| Cost of funding earning assets | 1.0628% | 5,635 |
| Net interest margin | 4.0018% | 3,102 |
| Noninterest income to average assets | 0.4900% | 4,269 |
| Noninterest expense to average assets | 2.9331% | 3,971 |
| Loan and lease loss provision to assets | 0.2427% | 4,656 |
| Net operating income to assets | 1.0547% | 2,055 |
| Return on assets (ROA) | 1.0547% | 2,162 |
| Pretax return on assets | 1.0570% | 2,974 |
| Return on Equity (ROE) | 11.9301% | 1,522 |
| Retained earnings to average equity (ytd only) | -2.5866% | 6,298 |
| Net charge-offs to loans | 0.3719% | 3,820 |
| Credit loss provision to net charge-offs | 108.3333% | 3,932 |
| Earnings coverage of net charge-offs (x) | 5.8020% | 2,676 |
| Efficiency ratio | 69.2944% | 4,207 |
| Assets per employee ($millions) | 3.3446% | 5,340 |
| Cash dividends to net income (ytd only)* | 121.6826% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 5,143 |
| Loan loss allowance to noncurrent loans | 174.0891% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 5,720 |
| Noncurrent loans to loans | 0.7263% | 5,755 |
| Net loans and leases to total assets | 59.0594% | 5,095 |
| Net loans and leases to deposits | 66.1128% | 5,658 |
| Net loans and leases to core deposits | 66.1128% | 6,114 |
| Total domestic deposits to total assets | 89.3313% | 1,211 |
| Equity capital to assets | 9.0893% | 5,461 |
| Core capital (leverage) ratio | 8.3499% | 5,788 |
| Tier 1 risk-based capital ratio | 12.9264% | 4,631 |
| Total risk-based capital ratio | 14.0842% | 4,689 |
| Memoranda: | ||
| Average total assets | $57,138,750 | 6,383 |
| Average earning assets | $53,441,500 | 6,301 |
| Average equity | $5,051,500 | 6,734 |
| Average total loans | $34,415,250 | 6,271 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 5,125 |
| Cost of funding earning assets | 1.0901% | 5,733 |
| Net interest margin | 3.8714% | 3,578 |
| Noninterest income to average assets | 0.4648% | 4,398 |
| Noninterest expense to average assets | 2.9773% | 3,797 |
| Loan and lease loss provision to assets | 0.0419% | 6,554 |
| Net operating income to assets | 1.0658% | 1,962 |
| Return on assets (ROA) | 1.0658% | 2,036 |
| Pretax return on assets | 1.0693% | 2,874 |
| Return on Equity (ROE) | 12.1692% | 1,411 |
| Retained earnings to average equity (ytd only) | -7.7803% | 6,798 |
| Net charge-offs to loans | 0.5557% | 2,867 |
| Credit loss provision to net charge-offs | 12.5000% | 5,917 |
| Earnings coverage of net charge-offs (x) | 3.3125% | 3,373 |
| Efficiency ratio | 72.8205% | 3,691 |
| Assets per employee ($millions) | 3.3166% | 5,398 |
| Cash dividends to net income (ytd only)* | 163.9344% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 6,563 |
| Loan loss allowance to noncurrent loans | 173.3333% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.7165% | 5,698 |
| Noncurrent loans to loans | 0.5547% | 6,141 |
| Net loans and leases to total assets | 61.7520% | 4,731 |
| Net loans and leases to deposits | 68.5941% | 5,475 |
| Net loans and leases to core deposits | 68.5941% | 6,008 |
| Total domestic deposits to total assets | 90.0252% | 911 |
| Equity capital to assets | 8.8699% | 5,647 |
| Core capital (leverage) ratio | 8.2282% | 5,896 |
| Tier 1 risk-based capital ratio | 12.3170% | 5,025 |
| Total risk-based capital ratio | 13.2021% | 5,320 |
| Memoranda: | ||
| Average total assets | $57,232,330 | 6,426 |
| Average earning assets | $53,572,670 | 6,343 |
| Average equity | $5,012,670 | 6,775 |
| Average total loans | $34,550,330 | 6,310 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8146% | 5,842 |
| Cost of funding earning assets | 1.1298% | 5,759 |
| Net interest margin | 3.6848% | 4,330 |
| Noninterest income to average assets | 0.3677% | 5,199 |
| Noninterest expense to average assets | 3.0109% | 3,639 |
| Loan and lease loss provision to assets | 0.0416% | 6,257 |
| Net operating income to assets | 0.7770% | 3,074 |
| Return on assets (ROA) | 0.7770% | 3,182 |
| Pretax return on assets | 0.7770% | 3,965 |
| Return on Equity (ROE) | 8.9270% | 2,522 |
| Retained earnings to average equity (ytd only) | -30.9256% | 7,563 |
| Net charge-offs to loans | 0.0467% | 4,941 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 880 |
| Efficiency ratio | 78.6232% | 2,789 |
| Assets per employee ($millions) | 2.9637% | 6,300 |
| Cash dividends to net income (ytd only)* | 446.4286% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 5,361 |
| Loan loss allowance to noncurrent loans | 103.1630% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 5,494 |
| Noncurrent loans to loans | 1.1881% | 4,987 |
| Net loans and leases to total assets | 60.6819% | 5,001 |
| Net loans and leases to deposits | 67.1673% | 5,687 |
| Net loans and leases to core deposits | 67.1673% | 6,187 |
| Total domestic deposits to total assets | 90.3445% | 807 |
| Equity capital to assets | 8.5207% | 5,977 |
| Core capital (leverage) ratio | 8.0377% | 6,182 |
| Tier 1 risk-based capital ratio | 12.0136% | 5,183 |
| Total risk-based capital ratio | 13.1428% | 5,255 |
| Memoranda: | ||
| Average total assets | $57,657,500 | 6,480 |
| Average earning assets | $54,168,500 | 6,386 |
| Average equity | $5,018,500 | 6,835 |
| Average total loans | $34,248,000 | 6,408 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1539% | 5,858 |
| Cost of funding earning assets | 1.4465% | 5,735 |
| Net interest margin | 3.7075% | 4,104 |
| Noninterest income to average assets | 1.1802% | 1,107 |
| Noninterest expense to average assets | 2.8329% | 4,823 |
| Loan and lease loss provision to assets | 0.5474% | 3,632 |
| Net operating income to assets | 1.2657% | 1,100 |
| Return on assets (ROA) | 1.2657% | 1,159 |
| Pretax return on assets | 1.2674% | 1,789 |
| Return on Equity (ROE) | 14.2498% | 745 |
| Retained earnings to average equity (ytd only) | 0.3926% | 4,688 |
| Net charge-offs to loans | 0.3693% | 4,370 |
| Credit loss provision to net charge-offs | 263.8655% | 1,330 |
| Earnings coverage of net charge-offs (x) | 8.7479% | 1,904 |
| Efficiency ratio | 60.9527% | 6,341 |
| Assets per employee ($millions) | 3.1055% | 5,976 |
| Cash dividends to net income (ytd only)* | 97.2452% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 5,093 |
| Loan loss allowance to noncurrent loans | 220.9424% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 6,410 |
| Noncurrent loans to loans | 0.5634% | 6,118 |
| Net loans and leases to total assets | 56.7410% | 5,864 |
| Net loans and leases to deposits | 63.6006% | 6,319 |
| Net loans and leases to core deposits | 64.4044% | 7,066 |
| Total domestic deposits to total assets | 89.2145% | 1,377 |
| Equity capital to assets | 8.8789% | 5,311 |
| Core capital (leverage) ratio | 8.4261% | 5,398 |
| Tier 1 risk-based capital ratio | 12.8062% | 4,283 |
| Total risk-based capital ratio | 13.9093% | 4,332 |
| Memoranda: | ||
| Average total assets | $57,361,600 | 6,452 |
| Average earning assets | $53,648,400 | 6,389 |
| Average equity | $5,094,800 | 6,908 |
| Average total loans | $32,220,200 | 6,509 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2477% | 5,698 |
| Cost of funding earning assets | 1.4925% | 5,852 |
| Net interest margin | 3.7552% | 3,837 |
| Noninterest income to average assets | 1.4328% | 729 |
| Noninterest expense to average assets | 2.8562% | 4,637 |
| Loan and lease loss provision to assets | 0.2997% | 4,570 |
| Net operating income to assets | 1.7793% | 471 |
| Return on assets (ROA) | 1.7793% | 497 |
| Pretax return on assets | 1.7816% | 835 |
| Return on Equity (ROE) | 20.0308% | 313 |
| Retained earnings to average equity (ytd only) | 5.1659% | 2,392 |
| Net charge-offs to loans | 0.0210% | 6,607 |
| Credit loss provision to net charge-offs | 2,560.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 177.7061% | 216 |
| Efficiency ratio | 57.8473% | 6,735 |
| Assets per employee ($millions) | 3.0567% | 6,020 |
| Cash dividends to net income (ytd only)* | 74.2103% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 5,903 |
| Loan loss allowance to noncurrent loans | 173.2673% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6009% | 5,945 |
| Noncurrent loans to loans | 0.6173% | 6,070 |
| Net loans and leases to total assets | 55.7388% | 6,173 |
| Net loans and leases to deposits | 62.9671% | 6,589 |
| Net loans and leases to core deposits | 63.3652% | 7,272 |
| Total domestic deposits to total assets | 88.5206% | 1,425 |
| Equity capital to assets | 9.3994% | 4,883 |
| Core capital (leverage) ratio | 8.7407% | 5,061 |
| Tier 1 risk-based capital ratio | 13.9201% | 3,594 |
| Total risk-based capital ratio | 14.8801% | 3,701 |
| Memoranda: | ||
| Average total assets | $56,950,750 | 6,507 |
| Average earning assets | $53,152,250 | 6,452 |
| Average equity | $5,058,750 | 6,976 |
| Average total loans | $31,799,750 | 6,575 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2959% | 5,675 |
| Cost of funding earning assets | 1.5520% | 5,918 |
| Net interest margin | 3.7438% | 3,778 |
| Noninterest income to average assets | 0.5479% | 4,051 |
| Noninterest expense to average assets | 2.9023% | 4,490 |
| Loan and lease loss provision to assets | 0.0424% | 6,808 |
| Net operating income to assets | 1.0959% | 1,785 |
| Return on assets (ROA) | 1.0959% | 1,862 |
| Pretax return on assets | 1.0994% | 2,639 |
| Return on Equity (ROE) | 12.5880% | 1,261 |
| Retained earnings to average equity (ytd only) | -7.7152% | 6,638 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7657% | 4,461 |
| Assets per employee ($millions) | 3.0477% | 6,010 |
| Cash dividends to net income (ytd only)* | 161.2903% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 7,351 |
| Loan loss allowance to noncurrent loans | 192.7419% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 6,274 |
| Noncurrent loans to loans | 0.3806% | 6,558 |
| Net loans and leases to total assets | 55.8509% | 6,222 |
| Net loans and leases to deposits | 62.8225% | 6,670 |
| Net loans and leases to core deposits | 63.7575% | 7,310 |
| Total domestic deposits to total assets | 88.9027% | 1,313 |
| Equity capital to assets | 8.4482% | 6,123 |
| Core capital (leverage) ratio | 8.1196% | 6,126 |
| Tier 1 risk-based capital ratio | 12.7919% | 4,295 |
| Total risk-based capital ratio | 13.4439% | 4,671 |
| Memoranda: | ||
| Average total assets | $56,575,000 | 6,570 |
| Average earning assets | $52,833,670 | 6,516 |
| Average equity | $4,925,330 | 7,090 |
| Average total loans | $31,492,330 | 6,643 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3403% | 5,704 |
| Cost of funding earning assets | 1.6067% | 6,008 |
| Net interest margin | 3.7336% | 3,746 |
| Noninterest income to average assets | 0.5080% | 4,250 |
| Noninterest expense to average assets | 2.8975% | 4,163 |
| Loan and lease loss provision to assets | 0.0429% | 6,435 |
| Net operating income to assets | 1.0589% | 2,110 |
| Return on assets (ROA) | 1.0589% | 2,243 |
| Pretax return on assets | 1.0589% | 3,152 |
| Return on Equity (ROE) | 11.9790% | 1,666 |
| Retained earnings to average equity (ytd only) | -28.4905% | 7,838 |
| Net charge-offs to loans | 0.0129% | 5,427 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 286 |
| Efficiency ratio | 72.4508% | 4,116 |
| Assets per employee ($millions) | 3.1325% | 5,800 |
| Cash dividends to net income (ytd only)* | 337.8378% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7564% | 7,294 |
| Loan loss allowance to noncurrent loans | 95.8678% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 5,433 |
| Noncurrent loans to loans | 0.7890% | 5,470 |
| Net loans and leases to total assets | 53.9878% | 6,469 |
| Net loans and leases to deposits | 60.7568% | 6,828 |
| Net loans and leases to core deposits | 61.6826% | 7,403 |
| Total domestic deposits to total assets | 88.8587% | 1,301 |
| Equity capital to assets | 8.4561% | 6,143 |
| Core capital (leverage) ratio | 8.2296% | 6,040 |
| Tier 1 risk-based capital ratio | 12.7067% | 4,385 |
| Total risk-based capital ratio | 13.3578% | 4,768 |
| Memoranda: | ||
| Average total assets | $55,909,500 | 6,636 |
| Average earning assets | $52,282,000 | 6,561 |
| Average equity | $4,942,000 | 7,132 |
| Average total loans | $30,948,500 | 6,705 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0590% | 5,255 |
| Cost of funding earning assets | 2.0641% | 6,185 |
| Net interest margin | 3.9949% | 3,139 |
| Noninterest income to average assets | 0.6552% | 3,432 |
| Noninterest expense to average assets | 2.9133% | 4,402 |
| Loan and lease loss provision to assets | 0.0521% | 6,767 |
| Net operating income to assets | 1.4019% | 1,223 |
| Return on assets (ROA) | 1.4253% | 1,132 |
| Pretax return on assets | 1.4271% | 1,879 |
| Return on Equity (ROE) | 16.9347% | 645 |
| Retained earnings to average equity (ytd only) | 4.5216% | 2,313 |
| Net charge-offs to loans | 0.4785% | 2,441 |
| Credit loss provision to net charge-offs | 19.2053% | 6,584 |
| Earnings coverage of net charge-offs (x) | 5.3709% | 3,666 |
| Efficiency ratio | 66.6804% | 4,980 |
| Assets per employee ($millions) | 3.0797% | 5,835 |
| Cash dividends to net income (ytd only)* | 73.2997% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7270% | 7,358 |
| Loan loss allowance to noncurrent loans | 115.2284% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6927% | 5,145 |
| Noncurrent loans to loans | 0.6309% | 5,482 |
| Net loans and leases to total assets | 55.9169% | 6,448 |
| Net loans and leases to deposits | 63.5627% | 6,838 |
| Net loans and leases to core deposits | 64.4147% | 7,427 |
| Total domestic deposits to total assets | 87.9713% | 1,481 |
| Equity capital to assets | 9.2290% | 5,034 |
| Core capital (leverage) ratio | 8.6230% | 5,340 |
| Tier 1 risk-based capital ratio | 13.4749% | 3,837 |
| Total risk-based capital ratio | 14.1019% | 4,116 |
| Memoranda: | ||
| Average total assets | $55,709,200 | 6,545 |
| Average earning assets | $51,791,000 | 6,514 |
| Average equity | $4,688,600 | 7,258 |
| Average total loans | $31,559,600 | 6,625 |