Home > Grand Marais State Bank > Performance and Condition Ratios
Grand Marais State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,212 |
| Cost of funding earning assets | 0.9279% | 3,464 |
| Net interest margin | 2.8432% | 3,583 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.9258% | 3,780 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0758% | 1,988 |
| Return on assets (ROA) | 1.0417% | 2,066 |
| Pretax return on assets | 1.0417% | 2,559 |
| Return on Equity (ROE) | 18.1800% | 795 |
| Retained earnings to average equity (ytd only) | 3.4680% | 3,134 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.6644% | 2,647 |
| Assets per employee ($millions) | 10.4549% | 625 |
| Cash dividends to net income (ytd only)* | 80.9240% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 3,253 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 56.5400% | 3,154 |
| Net loans and leases to deposits | 69.0028% | 2,950 |
| Net loans and leases to core deposits | 69.8026% | 3,316 |
| Total domestic deposits to total assets | 81.9400% | 3,136 |
| Equity capital to assets | 6.4515% | 4,133 |
| Core capital (leverage) ratio | 7.6266% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7456% | 1,333 |
| Memoranda: | ||
| Average total assets | $128,829,400 | 3,560 |
| Average earning assets | $125,878,000 | 3,480 |
| Average equity | $7,381,800 | 4,002 |
| Average total loans | $70,731,800 | 3,536 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5852% | 4,316 |
| Cost of funding earning assets | 0.8137% | 3,487 |
| Net interest margin | 2.7716% | 3,774 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.8641% | 3,860 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.0776% | 2,125 |
| Return on assets (ROA) | 0.9871% | 2,390 |
| Pretax return on assets | 0.9871% | 2,894 |
| Return on Equity (ROE) | 17.7700% | 977 |
| Retained earnings to average equity (ytd only) | 1.3696% | 3,870 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.1487% | 2,600 |
| Assets per employee ($millions) | 8.5803% | 1,091 |
| Cash dividends to net income (ytd only)* | 92.2917% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 3,442 |
| Loan loss allowance to noncurrent loans | 314.2857% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 2,420 |
| Noncurrent loans to loans | 0.3133% | 2,110 |
| Net loans and leases to total assets | 55.0100% | 3,286 |
| Net loans and leases to deposits | 61.4073% | 3,436 |
| Net loans and leases to core deposits | 62.0406% | 3,613 |
| Total domestic deposits to total assets | 89.5800% | 1,043 |
| Equity capital to assets | 5.6563% | 4,093 |
| Core capital (leverage) ratio | 7.5145% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9844% | 1,571 |
| Memoranda: | ||
| Average total assets | $129,672,000 | 3,566 |
| Average earning assets | $126,664,250 | 3,488 |
| Average equity | $7,203,750 | 4,025 |
| Average total loans | $70,499,000 | 3,547 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 14,757.0000% | 26 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2,183.0000% | 36 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0016% | 4,587 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.8508% | 2,928 |
| Pretax return on assets | 0.8508% | 3,281 |
| Return on Equity (ROE) | 15.4100% | 1,386 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 8.1163% | 4,603 |
| Assets per employee ($millions) | 0.2619% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 11.0000% | 4,567 |
| Equity capital to assets | 15,824.0000% | 26 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $4,230,000 | 4,633 |
| Average earning assets | $3,239 | 4,635 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3341% | 4,418 |
| Cost of funding earning assets | 0.6887% | 3,086 |
| Net interest margin | 2.6454% | 4,154 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.8606% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9716% | 2,619 |
| Return on assets (ROA) | 0.8371% | 3,020 |
| Pretax return on assets | 0.8371% | 3,374 |
| Return on Equity (ROE) | 15.2100% | 1,517 |
| Retained earnings to average equity (ytd only) | -5.6635% | 4,355 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.6958% | 2,240 |
| Assets per employee ($millions) | 9.9682% | 708 |
| Cash dividends to net income (ytd only)* | 137.2263% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 3,562 |
| Loan loss allowance to noncurrent loans | 309.8214% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,293 |
| Noncurrent loans to loans | 0.3190% | 2,000 |
| Net loans and leases to total assets | 53.6500% | 3,227 |
| Net loans and leases to deposits | 65.1151% | 3,003 |
| Net loans and leases to core deposits | 66.0542% | 3,221 |
| Total domestic deposits to total assets | 82.3900% | 3,422 |
| Equity capital to assets | 5.6858% | 4,293 |
| Core capital (leverage) ratio | 7.3238% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9266% | 1,650 |
| Memoranda: | ||
| Average total assets | $130,923,000 | 3,607 |
| Average earning assets | $127,770,500 | 3,532 |
| Average equity | $7,204,000 | 4,095 |
| Average total loans | $69,794,500 | 3,610 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9767% | 3,926 |
| Cost of funding earning assets | 0.0923% | 4,336 |
| Net interest margin | 2.8844% | 3,530 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.7131% | 4,124 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3228% | 1,286 |
| Return on assets (ROA) | 1.3178% | 1,267 |
| Pretax return on assets | 1.3178% | 1,988 |
| Return on Equity (ROE) | 23.3500% | 241 |
| Retained earnings to average equity (ytd only) | 10.4379% | 1,218 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.4274% | 3,580 |
| Assets per employee ($millions) | 9.5921% | 735 |
| Cash dividends to net income (ytd only)* | 55.3077% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 3,317 |
| Loan loss allowance to noncurrent loans | 271.0938% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 2,333 |
| Noncurrent loans to loans | 0.3826% | 1,863 |
| Net loans and leases to total assets | 49.3100% | 3,508 |
| Net loans and leases to deposits | 51.8813% | 3,740 |
| Net loans and leases to core deposits | 52.1436% | 3,847 |
| Total domestic deposits to total assets | 95.0400% | 216 |
| Equity capital to assets | 4.8269% | 4,328 |
| Core capital (leverage) ratio | 7.0375% | 4,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0072% | 1,427 |
| Memoranda: | ||
| Average total assets | $131,532,250 | 3,646 |
| Average earning assets | $128,594,500 | 3,564 |
| Average equity | $7,421,500 | 4,201 |
| Average total loans | $64,028,500 | 3,690 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9074% | 3,758 |
| Cost of funding earning assets | 0.0956% | 4,236 |
| Net interest margin | 2.8118% | 3,413 |
| Noninterest income to average assets | 0.2082% | 3,950 |
| Noninterest expense to average assets | 1.7104% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2464% | 1,290 |
| Return on assets (ROA) | 1.2388% | 1,292 |
| Pretax return on assets | 1.2388% | 1,936 |
| Return on Equity (ROE) | 20.9188% | 250 |
| Retained earnings to average equity (ytd only) | 7.3177% | 1,876 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8457% | 3,583 |
| Assets per employee ($millions) | 9.1723% | 831 |
| Cash dividends to net income (ytd only)* | 65.0185% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,259 |
| Loan loss allowance to noncurrent loans | 335.2657% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 2,579 |
| Noncurrent loans to loans | 0.3207% | 2,195 |
| Net loans and leases to total assets | 49.7298% | 3,400 |
| Net loans and leases to deposits | 52.7168% | 3,632 |
| Net loans and leases to core deposits | 52.9972% | 3,757 |
| Total domestic deposits to total assets | 94.3339% | 227 |
| Equity capital to assets | 5.5563% | 4,346 |
| Core capital (leverage) ratio | 6.9832% | 4,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5564% | 1,296 |
| Memoranda: | ||
| Average total assets | $130,613,333 | 3,694 |
| Average earning assets | $127,674,333 | 3,625 |
| Average equity | $7,734,667 | 4,230 |
| Average total loans | $63,068,667 | 3,742 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7441% | 3,855 |
| Cost of funding earning assets | 0.0932% | 4,223 |
| Net interest margin | 2.6509% | 3,523 |
| Noninterest income to average assets | 0.1944% | 3,996 |
| Noninterest expense to average assets | 1.7007% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0842% | 1,564 |
| Return on assets (ROA) | 1.0842% | 1,561 |
| Pretax return on assets | 1.0842% | 2,192 |
| Return on Equity (ROE) | 17.7734% | 358 |
| Retained earnings to average equity (ytd only) | 9.8575% | 1,058 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0687% | 3,370 |
| Assets per employee ($millions) | 9.2466% | 844 |
| Cash dividends to net income (ytd only)* | 44.5378% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,275 |
| Loan loss allowance to noncurrent loans | 125.7246% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 1,425 |
| Noncurrent loans to loans | 0.8846% | 1,050 |
| Net loans and leases to total assets | 47.6686% | 3,420 |
| Net loans and leases to deposits | 50.6838% | 3,674 |
| Net loans and leases to core deposits | 50.9520% | 3,811 |
| Total domestic deposits to total assets | 94.0511% | 111 |
| Equity capital to assets | 5.8114% | 4,615 |
| Core capital (leverage) ratio | 6.7441% | 4,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2516% | 1,704 |
| Memoranda: | ||
| Average total assets | $131,714,000 | 3,705 |
| Average earning assets | $128,710,500 | 3,624 |
| Average equity | $8,034,500 | 4,265 |
| Average total loans | $62,326,500 | 3,754 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1615% | 3,560 |
| Cost of funding earning assets | 0.1054% | 4,345 |
| Net interest margin | 3.0562% | 3,031 |
| Noninterest income to average assets | 0.2273% | 4,020 |
| Noninterest expense to average assets | 1.8418% | 4,064 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3707% | 1,373 |
| Return on assets (ROA) | 1.3707% | 1,422 |
| Pretax return on assets | 1.3707% | 2,136 |
| Return on Equity (ROE) | 21.2221% | 251 |
| Retained earnings to average equity (ytd only) | 14.7365% | 247 |
| Net charge-offs to loans | 0.0092% | 2,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 288.5000% | 422 |
| Efficiency ratio | 57.3330% | 3,541 |
| Assets per employee ($millions) | 9.5697% | 771 |
| Cash dividends to net income (ytd only)* | 30.5604% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 3,297 |
| Loan loss allowance to noncurrent loans | 125.7246% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 1,589 |
| Noncurrent loans to loans | 0.8867% | 1,147 |
| Net loans and leases to total assets | 45.9463% | 3,697 |
| Net loans and leases to deposits | 49.1336% | 3,936 |
| Net loans and leases to core deposits | 49.3859% | 4,036 |
| Total domestic deposits to total assets | 93.5130% | 22 |
| Equity capital to assets | 6.3788% | 4,799 |
| Core capital (leverage) ratio | 6.4695% | 4,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8628% | 1,296 |
| Memoranda: | ||
| Average total assets | $126,288,800 | 3,734 |
| Average earning assets | $123,357,600 | 3,645 |
| Average equity | $8,156,600 | 4,318 |
| Average total loans | $65,029,000 | 3,744 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2882% | 3,418 |
| Cost of funding earning assets | 0.1076% | 4,442 |
| Net interest margin | 3.1806% | 2,790 |
| Noninterest income to average assets | 0.2369% | 3,985 |
| Noninterest expense to average assets | 1.7153% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6285% | 957 |
| Return on assets (ROA) | 1.6285% | 1,008 |
| Pretax return on assets | 1.6285% | 1,611 |
| Return on Equity (ROE) | 25.1299% | 173 |
| Retained earnings to average equity (ytd only) | 16.3617% | 274 |
| Net charge-offs to loans | 0.0122% | 1,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 253.1667% | 481 |
| Efficiency ratio | 51.2985% | 4,099 |
| Assets per employee ($millions) | 9.3785% | 799 |
| Cash dividends to net income (ytd only)* | 34.8914% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,429 |
| Loan loss allowance to noncurrent loans | 124.5961% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 1,765 |
| Noncurrent loans to loans | 0.8844% | 1,298 |
| Net loans and leases to total assets | 47.4375% | 3,681 |
| Net loans and leases to deposits | 50.7533% | 3,969 |
| Net loans and leases to core deposits | 50.8777% | 4,087 |
| Total domestic deposits to total assets | 93.4668% | 22 |
| Equity capital to assets | 6.4159% | 4,870 |
| Core capital (leverage) ratio | 6.5175% | 4,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8400% | 2,031 |
| Memoranda: | ||
| Average total assets | $124,367,000 | 3,793 |
| Average earning assets | $121,483,000 | 3,707 |
| Average equity | $8,059,250 | 4,386 |
| Average total loans | $65,723,500 | 3,786 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 2,835 |
| Cost of funding earning assets | 0.1107% | 4,502 |
| Net interest margin | 3.4076% | 2,118 |
| Noninterest income to average assets | 0.2441% | 3,935 |
| Noninterest expense to average assets | 1.7533% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8188% | 685 |
| Return on assets (ROA) | 1.8188% | 721 |
| Pretax return on assets | 1.8188% | 1,191 |
| Return on Equity (ROE) | 27.9679% | 127 |
| Retained earnings to average equity (ytd only) | 18.1162% | 219 |
| Net charge-offs to loans | 0.0180% | 1,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 185.0000% | 521 |
| Efficiency ratio | 49.0826% | 4,316 |
| Assets per employee ($millions) | 9.0806% | 836 |
| Cash dividends to net income (ytd only)* | 35.2252% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,674 |
| Loan loss allowance to noncurrent loans | 121.9684% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 1,840 |
| Noncurrent loans to loans | 0.8526% | 1,445 |
| Net loans and leases to total assets | 51.9484% | 3,346 |
| Net loans and leases to deposits | 55.6139% | 3,739 |
| Net loans and leases to core deposits | 55.7548% | 3,909 |
| Total domestic deposits to total assets | 93.4090% | 19 |
| Equity capital to assets | 6.4879% | 4,895 |
| Core capital (leverage) ratio | 6.7587% | 4,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8146% | 1,383 |
| Memoranda: | ||
| Average total assets | $122,056,333 | 3,832 |
| Average earning assets | $119,204,000 | 3,745 |
| Average equity | $7,937,667 | 4,417 |
| Average total loans | $66,638,333 | 3,787 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 1,983 |
| Cost of funding earning assets | 0.1131% | 4,563 |
| Net interest margin | 3.7260% | 1,277 |
| Noninterest income to average assets | 0.2744% | 3,753 |
| Noninterest expense to average assets | 1.8072% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1051% | 487 |
| Return on assets (ROA) | 2.1051% | 530 |
| Pretax return on assets | 2.1051% | 804 |
| Return on Equity (ROE) | 32.3289% | 107 |
| Retained earnings to average equity (ytd only) | 25.4931% | 130 |
| Net charge-offs to loans | 0.0060% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 629.0000% | 159 |
| Efficiency ratio | 46.1933% | 4,460 |
| Assets per employee ($millions) | 8.6424% | 936 |
| Cash dividends to net income (ytd only)* | 21.1447% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 3,757 |
| Loan loss allowance to noncurrent loans | 120.9343% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 1,961 |
| Noncurrent loans to loans | 0.8464% | 1,585 |
| Net loans and leases to total assets | 55.8598% | 3,059 |
| Net loans and leases to deposits | 59.9053% | 3,494 |
| Net loans and leases to core deposits | 60.0651% | 3,695 |
| Total domestic deposits to total assets | 93.2468% | 23 |
| Equity capital to assets | 6.6243% | 4,899 |
| Core capital (leverage) ratio | 6.7220% | 4,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7631% | 2,389 |
| Memoranda: | ||
| Average total assets | $119,520,500 | 3,867 |
| Average earning assets | $116,695,000 | 3,777 |
| Average equity | $7,782,500 | 4,455 |
| Average total loans | $66,590,000 | 3,802 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7686% | 3,395 |
| Cost of funding earning assets | 0.2055% | 4,562 |
| Net interest margin | 3.5631% | 2,269 |
| Noninterest income to average assets | 0.2724% | 3,845 |
| Noninterest expense to average assets | 2.1951% | 3,674 |
| Loan and lease loss provision to assets | 0.1702% | 2,255 |
| Net operating income to assets | 1.3676% | 1,089 |
| Return on assets (ROA) | 1.4461% | 1,007 |
| Pretax return on assets | 1.4461% | 1,525 |
| Return on Equity (ROE) | 20.6560% | 204 |
| Retained earnings to average equity (ytd only) | 3.0667% | 3,317 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8042% | 3,613 |
| Assets per employee ($millions) | 8.4319% | 906 |
| Cash dividends to net income (ytd only)* | 85.1537% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,567 |
| Loan loss allowance to noncurrent loans | 118.8455% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 2,071 |
| Noncurrent loans to loans | 0.9076% | 1,556 |
| Net loans and leases to total assets | 54.3800% | 3,458 |
| Net loans and leases to deposits | 58.1689% | 3,882 |
| Net loans and leases to core deposits | 58.3099% | 4,034 |
| Total domestic deposits to total assets | 93.4865% | 9 |
| Equity capital to assets | 6.3958% | 4,964 |
| Core capital (leverage) ratio | 6.1569% | 4,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2486% | 1,761 |
| Memoranda: | ||
| Average total assets | $105,734,800 | 3,920 |
| Average earning assets | $102,690,200 | 3,864 |
| Average equity | $7,402,200 | 4,486 |
| Average total loans | $62,283,000 | 3,879 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9686% | 3,066 |
| Cost of funding earning assets | 0.2343% | 4,556 |
| Net interest margin | 3.7343% | 1,821 |
| Noninterest income to average assets | 0.2896% | 3,752 |
| Noninterest expense to average assets | 2.1144% | 3,907 |
| Loan and lease loss provision to assets | 0.1042% | 3,017 |
| Net operating income to assets | 1.6936% | 579 |
| Return on assets (ROA) | 1.8014% | 503 |
| Pretax return on assets | 1.8014% | 774 |
| Return on Equity (ROE) | 25.1083% | 116 |
| Retained earnings to average equity (ytd only) | 1.5387% | 4,071 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0505% | 4,140 |
| Assets per employee ($millions) | 8.8649% | 727 |
| Cash dividends to net income (ytd only)* | 93.8717% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 4,049 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 4,458 |
| Noncurrent loans to loans | 0.0182% | 4,349 |
| Net loans and leases to total assets | 52.7560% | 3,911 |
| Net loans and leases to deposits | 56.1935% | 4,245 |
| Net loans and leases to core deposits | 56.3226% | 4,373 |
| Total domestic deposits to total assets | 93.8828% | 7 |
| Equity capital to assets | 5.9810% | 5,006 |
| Core capital (leverage) ratio | 6.3138% | 5,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5012% | 1,657 |
| Memoranda: | ||
| Average total assets | $102,656,750 | 3,958 |
| Average earning assets | $99,579,750 | 3,897 |
| Average equity | $7,365,250 | 4,512 |
| Average total loans | $61,630,250 | 3,904 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4314% | 2,125 |
| Cost of funding earning assets | 0.2618% | 4,587 |
| Net interest margin | 4.1696% | 980 |
| Noninterest income to average assets | 0.3099% | 3,609 |
| Noninterest expense to average assets | 2.2595% | 3,622 |
| Loan and lease loss provision to assets | 0.1675% | 2,331 |
| Net operating income to assets | 1.9182% | 394 |
| Return on assets (ROA) | 2.0920% | 302 |
| Pretax return on assets | 2.0920% | 449 |
| Return on Equity (ROE) | 27.1985% | 86 |
| Retained earnings to average equity (ytd only) | 5.2818% | 2,355 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0000% | 4,353 |
| Assets per employee ($millions) | 8.3532% | 853 |
| Cash dividends to net income (ytd only)* | 80.5806% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 3,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 60.6628% | 3,245 |
| Net loans and leases to deposits | 65.2745% | 3,779 |
| Net loans and leases to core deposits | 65.4476% | 3,997 |
| Total domestic deposits to total assets | 92.9350% | 18 |
| Equity capital to assets | 6.9305% | 4,982 |
| Core capital (leverage) ratio | 7.5951% | 4,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9004% | 1,516 |
| Memoranda: | ||
| Average total assets | $95,506,000 | 4,053 |
| Average earning assets | $92,432,000 | 3,990 |
| Average equity | $7,346,000 | 4,534 |
| Average total loans | $60,148,667 | 3,943 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 3,407 |
| Cost of funding earning assets | 0.3165% | 4,604 |
| Net interest margin | 3.8218% | 1,894 |
| Noninterest income to average assets | 0.4002% | 3,103 |
| Noninterest expense to average assets | 2.4505% | 3,421 |
| Loan and lease loss provision to assets | 0.1349% | 2,038 |
| Net operating income to assets | 1.5062% | 770 |
| Return on assets (ROA) | 1.5062% | 841 |
| Pretax return on assets | 1.5062% | 1,288 |
| Return on Equity (ROE) | 18.4675% | 236 |
| Retained earnings to average equity (ytd only) | -1.9294% | 4,241 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8901% | 3,753 |
| Assets per employee ($millions) | 6.7510% | 1,206 |
| Cash dividends to net income (ytd only)* | 110.4478% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 3,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 65.8261% | 2,837 |
| Net loans and leases to deposits | 73.1093% | 3,347 |
| Net loans and leases to core deposits | 73.5918% | 3,664 |
| Total domestic deposits to total assets | 90.0379% | 309 |
| Equity capital to assets | 8.2825% | 4,904 |
| Core capital (leverage) ratio | 7.9895% | 4,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9302% | 1,929 |
| Memoranda: | ||
| Average total assets | $88,963,000 | 4,135 |
| Average earning assets | $85,927,500 | 4,079 |
| Average equity | $7,256,000 | 4,580 |
| Average total loans | $56,985,500 | 4,009 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 4,080 |
| Cost of funding earning assets | 0.2970% | 4,736 |
| Net interest margin | 3.7851% | 2,547 |
| Noninterest income to average assets | 0.3457% | 3,641 |
| Noninterest expense to average assets | 2.4086% | 3,668 |
| Loan and lease loss provision to assets | 0.0177% | 3,660 |
| Net operating income to assets | 1.5781% | 879 |
| Return on assets (ROA) | 1.5781% | 937 |
| Pretax return on assets | 1.5781% | 1,552 |
| Return on Equity (ROE) | 20.5204% | 189 |
| Retained earnings to average equity (ytd only) | 1.5509% | 4,185 |
| Net charge-offs to loans | 0.0515% | 2,381 |
| Credit loss provision to net charge-offs | 57.1429% | 3,064 |
| Earnings coverage of net charge-offs (x) | 51.6071% | 1,104 |
| Efficiency ratio | 60.1489% | 3,673 |
| Assets per employee ($millions) | 6.4402% | 1,320 |
| Cash dividends to net income (ytd only)* | 92.4423% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 3,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 61.1448% | 3,486 |
| Net loans and leases to deposits | 67.1654% | 3,884 |
| Net loans and leases to core deposits | 67.8415% | 4,089 |
| Total domestic deposits to total assets | 91.0362% | 120 |
| Equity capital to assets | 8.0332% | 5,054 |
| Core capital (leverage) ratio | 7.8193% | 5,071 |
| Tier 1 risk-based capital ratio | 14.3935% | 3,071 |
| Total risk-based capital ratio | 15.4319% | 3,084 |
| Memoranda: | ||
| Average total assets | $90,550,800 | 4,142 |
| Average earning assets | $87,527,800 | 4,073 |
| Average equity | $6,963,800 | 4,645 |
| Average total loans | $54,372,400 | 4,094 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 4,306 |
| Cost of funding earning assets | 0.3043% | 4,789 |
| Net interest margin | 3.7231% | 2,843 |
| Noninterest income to average assets | 0.3545% | 3,605 |
| Noninterest expense to average assets | 2.2754% | 4,017 |
| Loan and lease loss provision to assets | 0.0235% | 3,428 |
| Net operating income to assets | 1.6547% | 822 |
| Return on assets (ROA) | 1.6547% | 864 |
| Pretax return on assets | 1.6547% | 1,457 |
| Return on Equity (ROE) | 21.7575% | 174 |
| Retained earnings to average equity (ytd only) | 0.0773% | 4,743 |
| Net charge-offs to loans | 0.0395% | 2,299 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 71.3221% | 937 |
| Efficiency ratio | 57.5521% | 3,994 |
| Assets per employee ($millions) | 7.4245% | 866 |
| Cash dividends to net income (ytd only)* | 99.6447% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,759 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 4,587 |
| Noncurrent loans to loans | 0.0508% | 4,419 |
| Net loans and leases to total assets | 56.5712% | 4,008 |
| Net loans and leases to deposits | 61.1691% | 4,336 |
| Net loans and leases to core deposits | 61.7460% | 4,465 |
| Total domestic deposits to total assets | 92.4833% | 19 |
| Equity capital to assets | 7.3602% | 5,197 |
| Core capital (leverage) ratio | 7.5918% | 5,183 |
| Tier 1 risk-based capital ratio | 14.2430% | 3,200 |
| Total risk-based capital ratio | 15.3095% | 3,204 |
| Memoranda: | ||
| Average total assets | $90,647,750 | 4,188 |
| Average earning assets | $87,630,500 | 4,123 |
| Average equity | $6,894,000 | 4,711 |
| Average total loans | $54,053,000 | 4,147 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0174% | 4,339 |
| Cost of funding earning assets | 0.3315% | 4,733 |
| Net interest margin | 3.6859% | 2,974 |
| Noninterest income to average assets | 0.3676% | 3,481 |
| Noninterest expense to average assets | 2.3452% | 3,879 |
| Loan and lease loss provision to assets | 0.0361% | 3,096 |
| Net operating income to assets | 1.5469% | 1,018 |
| Return on assets (ROA) | 1.5469% | 1,065 |
| Pretax return on assets | 1.5469% | 1,711 |
| Return on Equity (ROE) | 20.1055% | 251 |
| Retained earnings to average equity (ytd only) | -2.8722% | 4,967 |
| Net charge-offs to loans | 0.0596% | 1,795 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 43.8750% | 1,192 |
| Efficiency ratio | 59.7015% | 3,778 |
| Assets per employee ($millions) | 7.4749% | 825 |
| Cash dividends to net income (ytd only)* | 114.2857% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 3,834 |
| Loan loss allowance to noncurrent loans | 8,866.6667% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,776 |
| Noncurrent loans to loans | 0.0108% | 4,668 |
| Net loans and leases to total assets | 61.1746% | 3,633 |
| Net loans and leases to deposits | 66.3928% | 4,074 |
| Net loans and leases to core deposits | 67.0794% | 4,258 |
| Total domestic deposits to total assets | 92.1404% | 34 |
| Equity capital to assets | 7.7559% | 5,213 |
| Core capital (leverage) ratio | 8.0900% | 5,143 |
| Tier 1 risk-based capital ratio | 13.6910% | 3,489 |
| Total risk-based capital ratio | 14.7312% | 3,490 |
| Memoranda: | ||
| Average total assets | $88,690,670 | 4,243 |
| Average earning assets | $85,678,330 | 4,182 |
| Average equity | $6,824,000 | 4,746 |
| Average total loans | $53,692,670 | 4,182 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 4,567 |
| Cost of funding earning assets | 0.3290% | 4,741 |
| Net interest margin | 3.5622% | 3,390 |
| Noninterest income to average assets | 0.3674% | 3,394 |
| Noninterest expense to average assets | 2.3632% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4424% | 1,260 |
| Return on assets (ROA) | 1.4424% | 1,289 |
| Pretax return on assets | 1.4424% | 1,953 |
| Return on Equity (ROE) | 18.8235% | 338 |
| Retained earnings to average equity (ytd only) | -3.0189% | 4,816 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0977% | 3,519 |
| Assets per employee ($millions) | 7.3667% | 857 |
| Cash dividends to net income (ytd only)* | 116.0377% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,645 |
| Loan loss allowance to noncurrent loans | 3,325.0000% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,773 |
| Noncurrent loans to loans | 0.0303% | 4,641 |
| Net loans and leases to total assets | 59.1538% | 3,774 |
| Net loans and leases to deposits | 68.6643% | 3,869 |
| Net loans and leases to core deposits | 69.4504% | 4,105 |
| Total domestic deposits to total assets | 86.1493% | 2,208 |
| Equity capital to assets | 7.7081% | 5,235 |
| Core capital (leverage) ratio | 8.0339% | 5,201 |
| Tier 1 risk-based capital ratio | 14.5736% | 3,071 |
| Total risk-based capital ratio | 15.6734% | 3,066 |
| Memoranda: | ||
| Average total assets | $88,186,500 | 4,290 |
| Average earning assets | $85,115,500 | 4,242 |
| Average equity | $6,757,500 | 4,794 |
| Average total loans | $52,836,500 | 4,245 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 4,274 |
| Cost of funding earning assets | 0.2655% | 4,735 |
| Net interest margin | 3.6352% | 3,264 |
| Noninterest income to average assets | 0.3177% | 3,987 |
| Noninterest expense to average assets | 2.2365% | 4,256 |
| Loan and lease loss provision to assets | 0.0448% | 3,286 |
| Net operating income to assets | 1.5440% | 1,009 |
| Return on assets (ROA) | 1.5440% | 1,001 |
| Pretax return on assets | 1.5440% | 1,643 |
| Return on Equity (ROE) | 21.2825% | 185 |
| Retained earnings to average equity (ytd only) | 1.0641% | 4,691 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4674% | 4,085 |
| Assets per employee ($millions) | 7.3311% | 860 |
| Cash dividends to net income (ytd only)* | 95.0000% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,640 |
| Loan loss allowance to noncurrent loans | 3,325.0000% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 4,795 |
| Noncurrent loans to loans | 0.0303% | 4,635 |
| Net loans and leases to total assets | 59.4694% | 3,822 |
| Net loans and leases to deposits | 66.0727% | 4,116 |
| Net loans and leases to core deposits | 66.5670% | 4,318 |
| Total domestic deposits to total assets | 90.0060% | 477 |
| Equity capital to assets | 7.6171% | 5,263 |
| Core capital (leverage) ratio | 7.9366% | 5,261 |
| Tier 1 risk-based capital ratio | 14.6757% | 2,974 |
| Total risk-based capital ratio | 15.7752% | 2,968 |
| Memoranda: | ||
| Average total assets | $89,380,400 | 4,279 |
| Average earning assets | $86,239,600 | 4,217 |
| Average equity | $6,484,200 | 4,829 |
| Average total loans | $52,041,200 | 4,265 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 4,501 |
| Cost of funding earning assets | 0.2803% | 4,632 |
| Net interest margin | 3.4928% | 3,716 |
| Noninterest income to average assets | 0.3373% | 3,902 |
| Noninterest expense to average assets | 2.1382% | 4,461 |
| Loan and lease loss provision to assets | 0.0594% | 2,791 |
| Net operating income to assets | 1.5096% | 1,170 |
| Return on assets (ROA) | 1.5096% | 1,166 |
| Pretax return on assets | 1.5096% | 1,867 |
| Return on Equity (ROE) | 21.0673% | 206 |
| Retained earnings to average equity (ytd only) | -1.9698% | 5,194 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6754% | 4,170 |
| Assets per employee ($millions) | 6.9252% | 963 |
| Cash dividends to net income (ytd only)* | 109.3509% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 3,661 |
| 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 | 57.5443% | 4,090 |
| Net loans and leases to deposits | 62.0000% | 4,440 |
| Net loans and leases to core deposits | 62.4462% | 4,594 |
| Total domestic deposits to total assets | 92.8133% | 43 |
| Equity capital to assets | 7.0600% | 5,382 |
| Core capital (leverage) ratio | 7.6108% | 5,382 |
| Tier 1 risk-based capital ratio | 14.1153% | 3,308 |
| Total risk-based capital ratio | 15.1980% | 3,309 |
| Memoranda: | ||
| Average total assets | $89,732,250 | 4,315 |
| Average earning assets | $86,576,000 | 4,258 |
| Average equity | $6,430,000 | 4,888 |
| Average total loans | $51,839,250 | 4,316 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 4,554 |
| Cost of funding earning assets | 0.3079% | 4,367 |
| Net interest margin | 3.4053% | 3,937 |
| Noninterest income to average assets | 0.3525% | 3,807 |
| Noninterest expense to average assets | 2.1064% | 4,593 |
| Loan and lease loss provision to assets | 0.0223% | 3,470 |
| Net operating income to assets | 1.5061% | 1,145 |
| Return on assets (ROA) | 1.5061% | 1,140 |
| Pretax return on assets | 1.5061% | 1,793 |
| Return on Equity (ROE) | 20.9151% | 210 |
| Retained earnings to average equity (ytd only) | -3.0366% | 5,211 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9497% | 4,240 |
| Assets per employee ($millions) | 7.5898% | 740 |
| Cash dividends to net income (ytd only)* | 114.5185% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 4,141 |
| 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 | 57.7736% | 4,013 |
| Net loans and leases to deposits | 66.7694% | 4,124 |
| Net loans and leases to core deposits | 67.2791% | 4,296 |
| Total domestic deposits to total assets | 86.5269% | 2,042 |
| Equity capital to assets | 6.9600% | 5,454 |
| Core capital (leverage) ratio | 7.7304% | 5,408 |
| Tier 1 risk-based capital ratio | 13.9105% | 3,399 |
| Total risk-based capital ratio | 14.9177% | 3,439 |
| Memoranda: | ||
| Average total assets | $89,633,670 | 4,356 |
| Average earning assets | $86,395,330 | 4,287 |
| Average equity | $6,454,670 | 4,935 |
| Average total loans | $51,673,000 | 4,358 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6271% | 4,648 |
| Cost of funding earning assets | 0.2614% | 4,642 |
| Net interest margin | 3.3657% | 4,008 |
| Noninterest income to average assets | 0.3734% | 3,643 |
| Noninterest expense to average assets | 2.0875% | 4,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5296% | 1,010 |
| Return on assets (ROA) | 1.5296% | 1,015 |
| Pretax return on assets | 1.5296% | 1,596 |
| Return on Equity (ROE) | 20.8829% | 200 |
| Retained earnings to average equity (ytd only) | -1.6583% | 4,980 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7114% | 4,385 |
| Assets per employee ($millions) | 7.4638% | 782 |
| Cash dividends to net income (ytd only)* | 107.9412% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 4,238 |
| 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 | 57.5207% | 3,989 |
| Net loans and leases to deposits | 66.2453% | 4,071 |
| Net loans and leases to core deposits | 67.1686% | 4,250 |
| Total domestic deposits to total assets | 86.8298% | 2,189 |
| Equity capital to assets | 7.1791% | 5,491 |
| Core capital (leverage) ratio | 7.9677% | 5,401 |
| Tier 1 risk-based capital ratio | 14.3563% | 3,196 |
| Total risk-based capital ratio | 15.3646% | 3,241 |
| Memoranda: | ||
| Average total assets | $88,911,500 | 4,415 |
| Average earning assets | $85,687,500 | 4,351 |
| Average equity | $6,512,500 | 4,978 |
| Average total loans | $50,949,000 | 4,420 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5693% | 4,638 |
| Cost of funding earning assets | 0.2224% | 4,771 |
| Net interest margin | 3.3468% | 4,020 |
| Noninterest income to average assets | 0.3333% | 4,081 |
| Noninterest expense to average assets | 2.1215% | 4,719 |
| Loan and lease loss provision to assets | 0.0132% | 4,025 |
| Net operating income to assets | 1.4319% | 943 |
| Return on assets (ROA) | 1.4067% | 1,020 |
| Pretax return on assets | 1.4067% | 1,966 |
| Return on Equity (ROE) | 20.3058% | 186 |
| Retained earnings to average equity (ytd only) | 6.8847% | 1,121 |
| Net charge-offs to loans | 0.0184% | 3,487 |
| Credit loss provision to net charge-offs | 133.3333% | 1,977 |
| Earnings coverage of net charge-offs (x) | 146.4444% | 485 |
| Efficiency ratio | 59.4836% | 4,339 |
| Assets per employee ($millions) | 7.3548% | 826 |
| Cash dividends to net income (ytd only)* | 66.0951% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 4,024 |
| Loan loss allowance to noncurrent loans | 2,894.1176% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,063 |
| Noncurrent loans to loans | 0.0341% | 4,856 |
| Net loans and leases to total assets | 55.9672% | 4,191 |
| Net loans and leases to deposits | 60.5546% | 4,532 |
| Net loans and leases to core deposits | 60.9740% | 4,709 |
| Total domestic deposits to total assets | 92.4244% | 52 |
| Equity capital to assets | 7.4725% | 5,540 |
| Core capital (leverage) ratio | 7.5870% | 5,543 |
| Tier 1 risk-based capital ratio | 15.0315% | 2,842 |
| Total risk-based capital ratio | 16.0834% | 2,852 |
| Memoranda: | ||
| Average total assets | $91,207,600 | 4,404 |
| Average earning assets | $88,113,600 | 4,331 |
| Average equity | $6,318,400 | 5,055 |
| Average total loans | $48,830,000 | 4,493 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5265% | 4,754 |
| Cost of funding earning assets | 0.2221% | 4,794 |
| Net interest margin | 3.3044% | 4,161 |
| Noninterest income to average assets | 0.3408% | 4,097 |
| Noninterest expense to average assets | 2.0823% | 4,772 |
| Loan and lease loss provision to assets | 0.0174% | 3,798 |
| Net operating income to assets | 1.4341% | 1,018 |
| Return on assets (ROA) | 1.4008% | 1,111 |
| Pretax return on assets | 1.4008% | 2,115 |
| Return on Equity (ROE) | 20.6100% | 195 |
| Retained earnings to average equity (ytd only) | 2.5176% | 4,384 |
| Net charge-offs to loans | 0.0055% | 3,537 |
| Credit loss provision to net charge-offs | 600.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 499.8614% | 204 |
| Efficiency ratio | 58.9249% | 4,372 |
| Assets per employee ($millions) | 7.8875% | 656 |
| Cash dividends to net income (ytd only)* | 87.7847% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 3,941 |
| Loan loss allowance to noncurrent loans | 7,128.5714% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 5,233 |
| Noncurrent loans to loans | 0.0143% | 5,081 |
| Net loans and leases to total assets | 51.0650% | 4,640 |
| Net loans and leases to deposits | 54.8983% | 4,923 |
| Net loans and leases to core deposits | 55.2503% | 5,030 |
| Total domestic deposits to total assets | 93.0174% | 24 |
| Equity capital to assets | 6.8590% | 5,671 |
| Core capital (leverage) ratio | 7.0772% | 5,668 |
| Tier 1 risk-based capital ratio | 14.3606% | 3,260 |
| Total risk-based capital ratio | 15.4279% | 3,267 |
| Memoranda: | ||
| Average total assets | $91,945,250 | 4,431 |
| Average earning assets | $88,849,000 | 4,352 |
| Average equity | $6,249,250 | 5,122 |
| Average total loans | $48,565,750 | 4,542 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4775% | 4,817 |
| Cost of funding earning assets | 0.2230% | 4,775 |
| Net interest margin | 3.2545% | 4,251 |
| Noninterest income to average assets | 0.3207% | 4,260 |
| Noninterest expense to average assets | 2.0957% | 4,781 |
| Loan and lease loss provision to assets | 0.0264% | 3,473 |
| Net operating income to assets | 1.3400% | 1,196 |
| Return on assets (ROA) | 1.2895% | 1,350 |
| Pretax return on assets | 1.2895% | 2,429 |
| Return on Equity (ROE) | 19.0327% | 263 |
| Retained earnings to average equity (ytd only) | -3.3396% | 5,454 |
| Net charge-offs to loans | 0.0041% | 3,345 |
| Credit loss provision to net charge-offs | 1,200.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 622.0000% | 124 |
| Efficiency ratio | 60.5330% | 4,235 |
| Assets per employee ($millions) | 7.1757% | 854 |
| Cash dividends to net income (ytd only)* | 117.5468% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 4,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 52.8847% | 4,490 |
| Net loans and leases to deposits | 56.7183% | 4,824 |
| Net loans and leases to core deposits | 57.2534% | 4,937 |
| Total domestic deposits to total assets | 93.2411% | 22 |
| Equity capital to assets | 6.6689% | 5,728 |
| Core capital (leverage) ratio | 7.3402% | 5,675 |
| Tier 1 risk-based capital ratio | 13.9153% | 3,468 |
| Total risk-based capital ratio | 14.9889% | 3,483 |
| Memoranda: | ||
| Average total assets | $91,043,670 | 4,481 |
| Average earning assets | $87,879,330 | 4,400 |
| Average equity | $6,168,330 | 5,164 |
| Average total loans | $48,477,000 | 4,565 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4677% | 4,779 |
| Cost of funding earning assets | 0.2355% | 4,677 |
| Net interest margin | 3.2322% | 4,238 |
| Noninterest income to average assets | 0.3692% | 3,894 |
| Noninterest expense to average assets | 2.1129% | 4,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3701% | 1,059 |
| Return on assets (ROA) | 1.2677% | 1,360 |
| Pretax return on assets | 1.2677% | 2,359 |
| Return on Equity (ROE) | 18.5607% | 306 |
| Retained earnings to average equity (ytd only) | 0.5210% | 4,801 |
| Net charge-offs to loans | 0.0084% | 2,684 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 308.0000% | 195 |
| Efficiency ratio | 60.6641% | 4,372 |
| Assets per employee ($millions) | 7.3238% | 814 |
| Cash dividends to net income (ytd only)* | 97.1930% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 4,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 54.3818% | 4,310 |
| Net loans and leases to deposits | 58.5984% | 4,660 |
| Net loans and leases to core deposits | 59.2008% | 4,820 |
| Total domestic deposits to total assets | 92.8043% | 42 |
| Equity capital to assets | 7.0694% | 5,749 |
| Core capital (leverage) ratio | 7.4748% | 5,710 |
| Tier 1 risk-based capital ratio | 14.6739% | 3,129 |
| Total risk-based capital ratio | 15.7580% | 3,133 |
| Memoranda: | ||
| Average total assets | $89,923,500 | 4,543 |
| Average earning assets | $86,627,000 | 4,465 |
| Average equity | $6,142,000 | 5,213 |
| Average total loans | $47,798,500 | 4,631 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4976% | 4,792 |
| Cost of funding earning assets | 0.2343% | 4,702 |
| Net interest margin | 3.2634% | 4,249 |
| Noninterest income to average assets | 0.3720% | 4,086 |
| Noninterest expense to average assets | 2.4494% | 4,165 |
| Loan and lease loss provision to assets | 0.0167% | 4,045 |
| Net operating income to assets | 1.0404% | 2,184 |
| Return on assets (ROA) | 1.0471% | 2,258 |
| Pretax return on assets | 1.0471% | 3,308 |
| Return on Equity (ROE) | 14.9920% | 629 |
| Retained earnings to average equity (ytd only) | 6.4115% | 1,495 |
| Net charge-offs to loans | -0.0127% | 5,000 |
| Credit loss provision to net charge-offs | -250.0000% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8539% | 2,925 |
| Assets per employee ($millions) | 6.1307% | 1,388 |
| Cash dividends to net income (ytd only)* | 57.2340% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 4,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 50.9194% | 4,697 |
| Net loans and leases to deposits | 57.2788% | 4,841 |
| Net loans and leases to core deposits | 58.0730% | 4,959 |
| Total domestic deposits to total assets | 88.8975% | 1,161 |
| Equity capital to assets | 6.6017% | 5,831 |
| Core capital (leverage) ratio | 7.0291% | 5,810 |
| Tier 1 risk-based capital ratio | 14.3989% | 3,239 |
| Total risk-based capital ratio | 15.4664% | 3,271 |
| Memoranda: | ||
| Average total assets | $89,775,800 | 4,548 |
| Average earning assets | $86,229,400 | 4,469 |
| Average equity | $6,270,000 | 5,237 |
| Average total loans | $47,121,200 | 4,663 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4977% | 4,807 |
| Cost of funding earning assets | 0.2350% | 4,752 |
| Net interest margin | 3.2626% | 4,302 |
| Noninterest income to average assets | 0.3885% | 4,002 |
| Noninterest expense to average assets | 2.3803% | 4,332 |
| Loan and lease loss provision to assets | 0.0224% | 3,796 |
| Net operating income to assets | 1.1177% | 1,927 |
| Return on assets (ROA) | 1.1177% | 2,033 |
| Pretax return on assets | 1.1177% | 3,157 |
| Return on Equity (ROE) | 15.7808% | 571 |
| Retained earnings to average equity (ytd only) | 4.4304% | 3,177 |
| Net charge-offs to loans | -0.0170% | 4,956 |
| Credit loss provision to net charge-offs | -250.0000% | 4,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6146% | 3,297 |
| Assets per employee ($millions) | 6.1911% | 1,300 |
| Cash dividends to net income (ytd only)* | 71.9255% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 4,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 50.5842% | 4,776 |
| Net loans and leases to deposits | 54.4757% | 5,083 |
| Net loans and leases to core deposits | 55.1970% | 5,190 |
| Total domestic deposits to total assets | 92.8565% | 40 |
| Equity capital to assets | 7.0133% | 5,887 |
| Core capital (leverage) ratio | 6.8360% | 5,891 |
| Tier 1 risk-based capital ratio | 14.0405% | 3,543 |
| Total risk-based capital ratio | 15.1125% | 3,556 |
| Memoranda: | ||
| Average total assets | $89,229,500 | 4,597 |
| Average earning assets | $85,655,500 | 4,514 |
| Average equity | $6,319,750 | 5,279 |
| Average total loans | $47,072,750 | 4,700 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5543% | 4,726 |
| Cost of funding earning assets | 0.2396% | 4,758 |
| Net interest margin | 3.3147% | 4,178 |
| Noninterest income to average assets | 0.3522% | 4,259 |
| Noninterest expense to average assets | 2.4268% | 4,246 |
| Loan and lease loss provision to assets | 0.0341% | 3,470 |
| Net operating income to assets | 1.0657% | 2,103 |
| Return on assets (ROA) | 1.0657% | 2,227 |
| Pretax return on assets | 1.0657% | 3,339 |
| Return on Equity (ROE) | 14.9952% | 668 |
| Retained earnings to average equity (ytd only) | 0.2238% | 5,238 |
| Net charge-offs to loans | -0.0256% | 5,053 |
| Credit loss provision to net charge-offs | -250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8144% | 3,187 |
| Assets per employee ($millions) | 6.5786% | 1,049 |
| Cash dividends to net income (ytd only)* | 98.5075% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 4,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 3,751 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 50.4864% | 4,809 |
| Net loans and leases to deposits | 54.2947% | 5,120 |
| Net loans and leases to core deposits | 55.0363% | 5,222 |
| Total domestic deposits to total assets | 92.9859% | 31 |
| Equity capital to assets | 6.9066% | 5,969 |
| Core capital (leverage) ratio | 7.0593% | 5,946 |
| Tier 1 risk-based capital ratio | 14.0253% | 3,591 |
| Total risk-based capital ratio | 15.1313% | 3,593 |
| Memoranda: | ||
| Average total assets | $88,017,000 | 4,654 |
| Average earning assets | $84,292,330 | 4,581 |
| Average equity | $6,255,330 | 5,339 |
| Average total loans | $46,942,000 | 4,739 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5862% | 4,662 |
| Cost of funding earning assets | 0.2381% | 4,826 |
| Net interest margin | 3.3481% | 4,051 |
| Noninterest income to average assets | 0.3955% | 3,863 |
| Noninterest expense to average assets | 2.2285% | 4,836 |
| Loan and lease loss provision to assets | 0.0698% | 2,553 |
| Net operating income to assets | 1.3027% | 1,244 |
| Return on assets (ROA) | 1.3027% | 1,329 |
| Pretax return on assets | 1.3027% | 2,290 |
| Return on Equity (ROE) | 18.0572% | 348 |
| Retained earnings to average equity (ytd only) | 1.8057% | 4,538 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8863% | 4,465 |
| Assets per employee ($millions) | 6.1038% | 1,339 |
| Cash dividends to net income (ytd only)* | 90.0000% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 4,540 |
| Loan loss allowance to noncurrent loans | 791.8033% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 3,434 |
| Noncurrent loans to loans | 0.1277% | 4,962 |
| Net loans and leases to total assets | 55.3497% | 4,320 |
| Net loans and leases to deposits | 59.8747% | 4,727 |
| Net loans and leases to core deposits | 60.7662% | 4,886 |
| Total domestic deposits to total assets | 92.4426% | 66 |
| Equity capital to assets | 7.4181% | 5,961 |
| Core capital (leverage) ratio | 7.3771% | 5,948 |
| Tier 1 risk-based capital ratio | 14.0868% | 3,628 |
| Total risk-based capital ratio | 15.1803% | 3,663 |
| Memoranda: | ||
| Average total assets | $85,975,500 | 4,732 |
| Average earning assets | $82,314,500 | 4,654 |
| Average equity | $6,202,500 | 5,385 |
| Average total loans | $46,919,500 | 4,767 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 4,160 |
| Cost of funding earning assets | 0.2760% | 4,519 |
| Net interest margin | 3.4858% | 3,570 |
| Noninterest income to average assets | 0.3778% | 4,198 |
| Noninterest expense to average assets | 2.5753% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0082% | 2,320 |
| Return on assets (ROA) | 1.0082% | 2,408 |
| Pretax return on assets | 1.0082% | 3,438 |
| Return on Equity (ROE) | 14.0196% | 837 |
| Retained earnings to average equity (ytd only) | 2.1212% | 4,513 |
| Net charge-offs to loans | 0.0284% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 65.0769% | 823 |
| Efficiency ratio | 71.8656% | 2,928 |
| Assets per employee ($millions) | 5.7665% | 1,566 |
| Cash dividends to net income (ytd only)* | 84.8700% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 4,522 |
| Loan loss allowance to noncurrent loans | 765.5738% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 3,490 |
| Noncurrent loans to loans | 0.1324% | 4,958 |
| Net loans and leases to total assets | 52.7076% | 4,636 |
| Net loans and leases to deposits | 56.7511% | 4,998 |
| Net loans and leases to core deposits | 57.5855% | 5,129 |
| Total domestic deposits to total assets | 92.8750% | 49 |
| Equity capital to assets | 7.0129% | 6,055 |
| Core capital (leverage) ratio | 7.1891% | 6,027 |
| Tier 1 risk-based capital ratio | 14.4733% | 3,460 |
| Total risk-based capital ratio | 15.5645% | 3,456 |
| Memoranda: | ||
| Average total assets | $83,914,000 | 4,792 |
| Average earning assets | $77,171,200 | 4,780 |
| Average equity | $6,034,400 | 5,430 |
| Average total loans | $45,840,800 | 4,798 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7432% | 4,279 |
| Cost of funding earning assets | 0.2790% | 4,572 |
| Net interest margin | 3.4642% | 3,699 |
| Noninterest income to average assets | 0.3923% | 4,134 |
| Noninterest expense to average assets | 2.3618% | 4,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2313% | 1,550 |
| Return on assets (ROA) | 1.2313% | 1,607 |
| Pretax return on assets | 1.2313% | 2,690 |
| Return on Equity (ROE) | 17.0134% | 465 |
| Retained earnings to average equity (ytd only) | 1.1283% | 5,263 |
| Net charge-offs to loans | 0.0378% | 3,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 59.1639% | 930 |
| Efficiency ratio | 65.7308% | 3,941 |
| Assets per employee ($millions) | 6.2101% | 1,233 |
| Cash dividends to net income (ytd only)* | 93.3679% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 4,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 3,420 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 51.7690% | 4,774 |
| Net loans and leases to deposits | 55.7663% | 5,139 |
| Net loans and leases to core deposits | 56.5880% | 5,278 |
| Total domestic deposits to total assets | 92.8320% | 52 |
| Equity capital to assets | 7.0070% | 6,151 |
| Core capital (leverage) ratio | 7.3885% | 6,076 |
| Tier 1 risk-based capital ratio | 14.2325% | 3,710 |
| Total risk-based capital ratio | 15.3189% | 3,754 |
| Memoranda: | ||
| Average total assets | $83,268,000 | 4,862 |
| Average earning assets | $76,937,750 | 4,847 |
| Average equity | $6,026,500 | 5,493 |
| Average total loans | $45,786,500 | 4,852 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7048% | 4,392 |
| Cost of funding earning assets | 0.2715% | 4,700 |
| Net interest margin | 3.4333% | 3,779 |
| Noninterest income to average assets | 0.4144% | 3,971 |
| Noninterest expense to average assets | 2.4085% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2432% | 1,478 |
| Return on assets (ROA) | 1.2432% | 1,545 |
| Pretax return on assets | 1.2432% | 2,579 |
| Return on Equity (ROE) | 16.9868% | 491 |
| Retained earnings to average equity (ytd only) | 2.2649% | 4,581 |
| Net charge-offs to loans | 0.0567% | 2,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 39.2308% | 1,143 |
| Efficiency ratio | 65.9546% | 4,017 |
| Assets per employee ($millions) | 6.3101% | 1,146 |
| Cash dividends to net income (ytd only)* | 86.6667% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 4,945 |
| Loan loss allowance to noncurrent loans | 667.1429% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 3,165 |
| Noncurrent loans to loans | 0.1474% | 5,160 |
| Net loans and leases to total assets | 57.3039% | 4,186 |
| Net loans and leases to deposits | 61.9051% | 4,710 |
| Net loans and leases to core deposits | 63.0831% | 4,868 |
| Total domestic deposits to total assets | 92.5674% | 77 |
| Equity capital to assets | 7.3082% | 6,143 |
| Core capital (leverage) ratio | 7.4925% | 6,100 |
| Tier 1 risk-based capital ratio | 13.7045% | 4,093 |
| Total risk-based capital ratio | 14.7479% | 4,155 |
| Memoranda: | ||
| Average total assets | $82,043,330 | 4,934 |
| Average earning assets | $77,359,670 | 4,882 |
| Average equity | $6,004,670 | 5,548 |
| Average total loans | $45,890,000 | 4,891 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6501% | 4,533 |
| Cost of funding earning assets | 0.2796% | 4,674 |
| Net interest margin | 3.3705% | 3,949 |
| Noninterest income to average assets | 0.4193% | 3,851 |
| Noninterest expense to average assets | 2.3791% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2139% | 1,507 |
| Return on assets (ROA) | 1.2139% | 1,601 |
| Pretax return on assets | 1.2139% | 2,613 |
| Return on Equity (ROE) | 16.5738% | 512 |
| Retained earnings to average equity (ytd only) | 8.1205% | 1,526 |
| Net charge-offs to loans | 0.0355% | 2,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 62.2500% | 717 |
| Efficiency ratio | 66.2144% | 4,124 |
| Assets per employee ($millions) | 5.0679% | 2,270 |
| Cash dividends to net income (ytd only)* | 51.0040% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 4,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6623% | 3,501 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 53.9162% | 4,454 |
| Net loans and leases to deposits | 58.3862% | 4,885 |
| Net loans and leases to core deposits | 59.5108% | 5,032 |
| Total domestic deposits to total assets | 92.3440% | 112 |
| Equity capital to assets | 7.5105% | 6,175 |
| Core capital (leverage) ratio | 7.7115% | 6,064 |
| Tier 1 risk-based capital ratio | 14.3171% | 3,819 |
| Total risk-based capital ratio | 14.3171% | 4,485 |
| Memoranda: | ||
| Average total assets | $82,049,500 | 4,985 |
| Average earning assets | $77,258,000 | 4,937 |
| Average equity | $6,009,500 | 5,594 |
| Average total loans | $45,098,000 | 4,947 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 4,871 |
| Cost of funding earning assets | 0.2916% | 4,873 |
| Net interest margin | 3.3823% | 4,267 |
| Noninterest income to average assets | 0.4152% | 4,078 |
| Noninterest expense to average assets | 2.4765% | 4,620 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1308% | 1,863 |
| Return on assets (ROA) | 1.1308% | 1,918 |
| Pretax return on assets | 1.1308% | 2,960 |
| Return on Equity (ROE) | 16.6548% | 535 |
| Retained earnings to average equity (ytd only) | 3.1106% | 4,021 |
| Net charge-offs to loans | -0.1117% | 6,137 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6517% | 3,782 |
| Assets per employee ($millions) | 4.8831% | 2,482 |
| Cash dividends to net income (ytd only)* | 81.3234% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 4,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6469% | 3,632 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 54.8367% | 4,470 |
| Net loans and leases to deposits | 61.8559% | 4,738 |
| Net loans and leases to core deposits | 63.0188% | 4,918 |
| Total domestic deposits to total assets | 88.6522% | 1,442 |
| Equity capital to assets | 7.1423% | 6,308 |
| Core capital (leverage) ratio | 7.1673% | 6,280 |
| Tier 1 risk-based capital ratio | 13.2246% | 4,573 |
| Total risk-based capital ratio | 14.2711% | 4,629 |
| Memoranda: | ||
| Average total assets | $82,858,400 | 4,992 |
| Average earning assets | $78,201,000 | 4,920 |
| Average equity | $5,626,000 | 5,711 |
| Average total loans | $45,676,400 | 4,971 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6316% | 5,061 |
| Cost of funding earning assets | 0.2933% | 4,945 |
| Net interest margin | 3.3383% | 4,475 |
| Noninterest income to average assets | 0.4202% | 4,093 |
| Noninterest expense to average assets | 2.3826% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1897% | 1,711 |
| Return on assets (ROA) | 1.1897% | 1,783 |
| Pretax return on assets | 1.1897% | 2,820 |
| Return on Equity (ROE) | 17.7525% | 467 |
| Retained earnings to average equity (ytd only) | 4.2519% | 3,631 |
| Net charge-offs to loans | -0.1491% | 6,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6967% | 4,098 |
| Assets per employee ($millions) | 5.0604% | 2,170 |
| Cash dividends to net income (ytd only)* | 76.0481% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 4,763 |
| Loan loss allowance to noncurrent loans | 89.3855% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.6242% | 3,956 |
| Noncurrent loans to loans | 1.2277% | 2,595 |
| Net loans and leases to total assets | 50.2854% | 4,977 |
| Net loans and leases to deposits | 53.9396% | 5,394 |
| Net loans and leases to core deposits | 55.0502% | 5,502 |
| Total domestic deposits to total assets | 93.2254% | 69 |
| Equity capital to assets | 6.6258% | 6,429 |
| Core capital (leverage) ratio | 7.4728% | 6,294 |
| Tier 1 risk-based capital ratio | 13.6508% | 4,445 |
| Total risk-based capital ratio | 14.7304% | 4,495 |
| Memoranda: | ||
| Average total assets | $82,820,000 | 5,047 |
| Average earning assets | $78,201,500 | 4,974 |
| Average equity | $5,550,250 | 5,788 |
| Average total loans | $45,595,250 | 5,020 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6491% | 5,015 |
| Cost of funding earning assets | 0.2905% | 5,071 |
| Net interest margin | 3.3586% | 4,357 |
| Noninterest income to average assets | 0.4599% | 3,791 |
| Noninterest expense to average assets | 2.4000% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2281% | 1,510 |
| Return on assets (ROA) | 1.2281% | 1,567 |
| Pretax return on assets | 1.2281% | 2,543 |
| Return on Equity (ROE) | 18.2535% | 439 |
| Retained earnings to average equity (ytd only) | 1.5635% | 5,116 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1497% | 4,344 |
| Assets per employee ($millions) | 5.6651% | 1,556 |
| Cash dividends to net income (ytd only)* | 91.4343% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 5,379 |
| Loan loss allowance to noncurrent loans | 70.5592% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8767% | 3,352 |
| Noncurrent loans to loans | 1.4086% | 2,445 |
| Net loans and leases to total assets | 50.2883% | 4,929 |
| Net loans and leases to deposits | 53.8932% | 5,367 |
| Net loans and leases to core deposits | 55.0236% | 5,481 |
| Total domestic deposits to total assets | 93.3111% | 70 |
| Equity capital to assets | 6.5819% | 6,488 |
| Core capital (leverage) ratio | 7.4139% | 6,338 |
| Tier 1 risk-based capital ratio | 13.6845% | 4,465 |
| Total risk-based capital ratio | 14.6738% | 4,578 |
| Memoranda: | ||
| Average total assets | $81,751,000 | 5,117 |
| Average earning assets | $77,115,670 | 5,042 |
| Average equity | $5,500,330 | 5,833 |
| Average total loans | $46,214,000 | 5,023 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 4,515 |
| Cost of funding earning assets | 0.2962% | 5,102 |
| Net interest margin | 3.4960% | 3,714 |
| Noninterest income to average assets | 0.4442% | 3,832 |
| Noninterest expense to average assets | 2.4657% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2778% | 1,272 |
| Return on assets (ROA) | 1.2778% | 1,322 |
| Pretax return on assets | 1.2778% | 2,184 |
| Return on Equity (ROE) | 18.7752% | 383 |
| Retained earnings to average equity (ytd only) | 9.8276% | 1,008 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8667% | 4,549 |
| Assets per employee ($millions) | 4.9396% | 2,321 |
| Cash dividends to net income (ytd only)* | 47.6563% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 5,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 5,714 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 59.6819% | 3,608 |
| Net loans and leases to deposits | 64.3550% | 4,279 |
| Net loans and leases to core deposits | 65.8197% | 4,500 |
| Total domestic deposits to total assets | 92.7386% | 141 |
| Equity capital to assets | 7.1109% | 6,419 |
| Core capital (leverage) ratio | 7.5904% | 6,308 |
| Tier 1 risk-based capital ratio | 13.4670% | 4,714 |
| Total risk-based capital ratio | 14.4281% | 4,840 |
| Memoranda: | ||
| Average total assets | $80,138,500 | 5,205 |
| Average earning assets | $75,629,500 | 5,130 |
| Average equity | $5,454,000 | 5,883 |
| Average total loans | $47,740,000 | 5,021 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 4,141 |
| Cost of funding earning assets | 0.3108% | 5,513 |
| Net interest margin | 3.6718% | 3,165 |
| Noninterest income to average assets | 0.6110% | 3,022 |
| Noninterest expense to average assets | 2.6310% | 4,351 |
| Loan and lease loss provision to assets | 0.0253% | 4,624 |
| Net operating income to assets | 1.3914% | 1,039 |
| Return on assets (ROA) | 1.3914% | 1,076 |
| Pretax return on assets | 1.3914% | 1,815 |
| Return on Equity (ROE) | 19.5967% | 304 |
| Retained earnings to average equity (ytd only) | -0.4454% | 5,962 |
| Net charge-offs to loans | 0.0023% | 5,435 |
| Credit loss provision to net charge-offs | 2,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 1,120.0000% | 32 |
| Efficiency ratio | 65.0000% | 4,732 |
| Assets per employee ($millions) | 5.4162% | 1,741 |
| Cash dividends to net income (ytd only)* | 102.2727% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 5,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 5,808 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 58.4075% | 3,968 |
| Net loans and leases to deposits | 62.5529% | 4,668 |
| Net loans and leases to core deposits | 63.6846% | 4,898 |
| Total domestic deposits to total assets | 93.3730% | 104 |
| Equity capital to assets | 6.5089% | 6,569 |
| Core capital (leverage) ratio | 7.2565% | 6,459 |
| Tier 1 risk-based capital ratio | 13.1323% | 4,898 |
| Total risk-based capital ratio | 14.0886% | 5,035 |
| Memoranda: | ||
| Average total assets | $79,056,000 | 5,261 |
| Average earning assets | $73,996,200 | 5,194 |
| Average equity | $5,613,200 | 5,901 |
| Average total loans | $44,185,400 | 5,182 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0041% | 4,118 |
| Cost of funding earning assets | 0.3164% | 5,586 |
| Net interest margin | 3.6877% | 3,078 |
| Noninterest income to average assets | 0.6861% | 2,691 |
| Noninterest expense to average assets | 2.5576% | 4,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5726% | 792 |
| Return on assets (ROA) | 1.5726% | 841 |
| Pretax return on assets | 1.5726% | 1,411 |
| Return on Equity (ROE) | 21.6813% | 214 |
| Retained earnings to average equity (ytd only) | 0.0234% | 5,925 |
| Net charge-offs to loans | 0.0031% | 5,149 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 928.3008% | 49 |
| Efficiency ratio | 61.9243% | 5,148 |
| Assets per employee ($millions) | 5.4032% | 1,729 |
| Cash dividends to net income (ytd only)* | 99.8915% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 5,832 |
| Loan loss allowance to noncurrent loans | 298.5401% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 5,931 |
| Noncurrent loans to loans | 0.3257% | 5,407 |
| Net loans and leases to total assets | 51.3967% | 4,950 |
| Net loans and leases to deposits | 54.8979% | 5,463 |
| Net loans and leases to core deposits | 55.8901% | 5,633 |
| Total domestic deposits to total assets | 93.6223% | 87 |
| Equity capital to assets | 6.2161% | 6,670 |
| Core capital (leverage) ratio | 7.4647% | 6,461 |
| Tier 1 risk-based capital ratio | 14.6095% | 4,008 |
| Total risk-based capital ratio | 15.6194% | 4,122 |
| Memoranda: | ||
| Average total assets | $78,509,250 | 5,324 |
| Average earning assets | $73,322,500 | 5,265 |
| Average equity | $5,694,500 | 5,949 |
| Average total loans | $43,261,500 | 5,267 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 3,589 |
| Cost of funding earning assets | 0.3179% | 5,686 |
| Net interest margin | 3.8208% | 2,472 |
| Noninterest income to average assets | 0.6902% | 2,686 |
| Noninterest expense to average assets | 2.6190% | 4,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6301% | 705 |
| Return on assets (ROA) | 1.6301% | 772 |
| Pretax return on assets | 1.6301% | 1,277 |
| Return on Equity (ROE) | 21.4093% | 228 |
| Retained earnings to average equity (ytd only) | -5.4453% | 6,485 |
| Net charge-offs to loans | 0.0046% | 4,814 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 633.0000% | 64 |
| Efficiency ratio | 61.6364% | 5,225 |
| Assets per employee ($millions) | 4.7628% | 2,432 |
| Cash dividends to net income (ytd only)* | 125.4344% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 6,065 |
| Loan loss allowance to noncurrent loans | 298.5401% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 5,961 |
| Noncurrent loans to loans | 0.3102% | 5,523 |
| Net loans and leases to total assets | 57.4201% | 4,075 |
| Net loans and leases to deposits | 62.0949% | 4,728 |
| Net loans and leases to core deposits | 63.5384% | 4,945 |
| Total domestic deposits to total assets | 92.4716% | 189 |
| Equity capital to assets | 7.3998% | 6,475 |
| Core capital (leverage) ratio | 7.6338% | 6,399 |
| Tier 1 risk-based capital ratio | 14.1071% | 4,351 |
| Total risk-based capital ratio | 15.1097% | 4,490 |
| Memoranda: | ||
| Average total assets | $77,663,000 | 5,376 |
| Average earning assets | $72,341,330 | 5,324 |
| Average equity | $5,913,330 | 5,953 |
| Average total loans | $43,660,330 | 5,279 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 3,799 |
| Cost of funding earning assets | 0.3114% | 5,880 |
| Net interest margin | 3.7696% | 2,571 |
| Noninterest income to average assets | 0.7093% | 2,542 |
| Noninterest expense to average assets | 2.5360% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6941% | 593 |
| Return on assets (ROA) | 1.6941% | 654 |
| Pretax return on assets | 1.6941% | 1,095 |
| Return on Equity (ROE) | 21.9486% | 199 |
| Retained earnings to average equity (ytd only) | -1.4544% | 6,011 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9517% | 5,594 |
| Assets per employee ($millions) | 5.1381% | 2,050 |
| Cash dividends to net income (ytd only)* | 106.6265% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 6,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 55.9101% | 4,098 |
| Net loans and leases to deposits | 60.7549% | 4,712 |
| Net loans and leases to core deposits | 62.1553% | 4,941 |
| Total domestic deposits to total assets | 92.0256% | 242 |
| Equity capital to assets | 7.8018% | 6,467 |
| Core capital (leverage) ratio | 7.7066% | 6,349 |
| Tier 1 risk-based capital ratio | 14.5671% | 4,126 |
| Total risk-based capital ratio | 15.5804% | 4,242 |
| Memoranda: | ||
| Average total assets | $78,392,000 | 5,407 |
| Average earning assets | $73,217,500 | 5,346 |
| Average equity | $6,050,500 | 5,968 |
| Average total loans | $43,407,500 | 5,322 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5753% | 3,099 |
| Cost of funding earning assets | 0.3838% | 6,025 |
| Net interest margin | 4.1915% | 1,687 |
| Noninterest income to average assets | 0.7820% | 2,342 |
| Noninterest expense to average assets | 2.7740% | 4,126 |
| Loan and lease loss provision to assets | 0.0530% | 5,141 |
| Net operating income to assets | 1.8489% | 472 |
| Return on assets (ROA) | 1.8489% | 524 |
| Pretax return on assets | 1.8489% | 830 |
| Return on Equity (ROE) | 23.4564% | 164 |
| Retained earnings to average equity (ytd only) | 2.3540% | 4,575 |
| Net charge-offs to loans | 0.0891% | 4,787 |
| Credit loss provision to net charge-offs | 102.5641% | 2,931 |
| Earnings coverage of net charge-offs (x) | 36.7949% | 861 |
| Efficiency ratio | 59.3254% | 5,646 |
| Assets per employee ($millions) | 5.3141% | 1,879 |
| Cash dividends to net income (ytd only)* | 89.9642% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 6,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 53.8238% | 4,640 |
| Net loans and leases to deposits | 58.3617% | 5,199 |
| Net loans and leases to core deposits | 59.6344% | 5,401 |
| Total domestic deposits to total assets | 92.2245% | 209 |
| Equity capital to assets | 7.6375% | 6,576 |
| Core capital (leverage) ratio | 7.3582% | 6,560 |
| Tier 1 risk-based capital ratio | 14.3436% | 4,130 |
| Total risk-based capital ratio | 15.3376% | 4,272 |
| Memoranda: | ||
| Average total assets | $75,450,800 | 5,472 |
| Average earning assets | $70,093,800 | 5,431 |
| Average equity | $5,947,200 | 6,033 |
| Average total loans | $43,784,000 | 5,340 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 2,941 |
| Cost of funding earning assets | 0.4001% | 6,119 |
| Net interest margin | 4.2663% | 1,560 |
| Noninterest income to average assets | 0.7761% | 2,347 |
| Noninterest expense to average assets | 2.6779% | 4,464 |
| Loan and lease loss provision to assets | 0.0717% | 4,776 |
| Net operating income to assets | 1.9824% | 393 |
| Return on assets (ROA) | 1.9824% | 447 |
| Pretax return on assets | 1.9824% | 727 |
| Return on Equity (ROE) | 24.9430% | 144 |
| Retained earnings to average equity (ytd only) | 1.1502% | 5,713 |
| Net charge-offs to loans | 0.1184% | 4,192 |
| Credit loss provision to net charge-offs | 102.5641% | 2,870 |
| Earnings coverage of net charge-offs (x) | 29.3838% | 1,115 |
| Efficiency ratio | 56.5909% | 5,982 |
| Assets per employee ($millions) | 5.5288% | 1,610 |
| Cash dividends to net income (ytd only)* | 95.3887% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 6,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 50.3919% | 5,267 |
| Net loans and leases to deposits | 54.4196% | 5,768 |
| Net loans and leases to core deposits | 55.3685% | 5,936 |
| Total domestic deposits to total assets | 92.5988% | 145 |
| Equity capital to assets | 7.2156% | 6,842 |
| Core capital (leverage) ratio | 7.6001% | 6,562 |
| Tier 1 risk-based capital ratio | 13.9716% | 4,548 |
| Total risk-based capital ratio | 14.9547% | 4,699 |
| Memoranda: | ||
| Average total assets | $74,385,500 | 5,558 |
| Average earning assets | $68,972,750 | 5,530 |
| Average equity | $5,912,000 | 6,111 |
| Average total loans | $43,901,500 | 5,396 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 2,269 |
| Cost of funding earning assets | 0.4297% | 6,098 |
| Net interest margin | 4.4298% | 1,129 |
| Noninterest income to average assets | 0.7604% | 2,367 |
| Noninterest expense to average assets | 2.7594% | 4,181 |
| Loan and lease loss provision to assets | 0.1118% | 4,130 |
| Net operating income to assets | 1.9822% | 401 |
| Return on assets (ROA) | 1.9822% | 462 |
| Pretax return on assets | 1.9822% | 714 |
| Return on Equity (ROE) | 24.0829% | 179 |
| Retained earnings to average equity (ytd only) | -0.4416% | 6,111 |
| Net charge-offs to loans | 0.1754% | 3,546 |
| Credit loss provision to net charge-offs | 102.5641% | 2,653 |
| Earnings coverage of net charge-offs (x) | 19.2051% | 1,447 |
| Efficiency ratio | 56.8548% | 6,023 |
| Assets per employee ($millions) | 4.1318% | 3,602 |
| Cash dividends to net income (ytd only)* | 101.8336% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 6,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 5,749 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 63.0552% | 3,221 |
| Net loans and leases to deposits | 69.0607% | 4,032 |
| Net loans and leases to core deposits | 70.7926% | 4,438 |
| Total domestic deposits to total assets | 91.3041% | 355 |
| Equity capital to assets | 8.5251% | 6,185 |
| Core capital (leverage) ratio | 8.3839% | 5,810 |
| Tier 1 risk-based capital ratio | 14.1056% | 4,366 |
| Total risk-based capital ratio | 15.1092% | 4,527 |
| Memoranda: | ||
| Average total assets | $71,536,670 | 5,678 |
| Average earning assets | $66,098,000 | 5,643 |
| Average equity | $5,888,000 | 6,149 |
| Average total loans | $44,468,330 | 5,405 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8559% | 2,419 |
| Cost of funding earning assets | 0.4431% | 6,190 |
| Net interest margin | 4.4128% | 1,197 |
| Noninterest income to average assets | 0.7924% | 2,200 |
| Noninterest expense to average assets | 2.6321% | 4,696 |
| Loan and lease loss provision to assets | 0.2217% | 2,735 |
| Net operating income to assets | 2.0226% | 399 |
| Return on assets (ROA) | 2.0226% | 460 |
| Pretax return on assets | 2.0226% | 707 |
| Return on Equity (ROE) | 25.0086% | 185 |
| Retained earnings to average equity (ytd only) | 4.3851% | 3,965 |
| Net charge-offs to loans | 0.3427% | 2,278 |
| Credit loss provision to net charge-offs | 105.2632% | 2,194 |
| Earnings coverage of net charge-offs (x) | 10.6579% | 1,737 |
| Efficiency ratio | 53.9773% | 6,353 |
| Assets per employee ($millions) | 4.1400% | 3,712 |
| Cash dividends to net income (ytd only)* | 82.4658% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 6,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 5,830 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 62.7053% | 3,123 |
| Net loans and leases to deposits | 68.4822% | 3,977 |
| Net loans and leases to core deposits | 70.1889% | 4,383 |
| Total domestic deposits to total assets | 91.5644% | 360 |
| Equity capital to assets | 8.2225% | 6,340 |
| Core capital (leverage) ratio | 8.1483% | 6,095 |
| Tier 1 risk-based capital ratio | 14.3814% | 4,190 |
| Total risk-based capital ratio | 15.3935% | 4,328 |
| Memoranda: | ||
| Average total assets | $72,185,000 | 5,708 |
| Average earning assets | $66,806,000 | 5,664 |
| Average equity | $5,838,000 | 6,192 |
| Average total loans | $44,352,500 | 5,454 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9672% | 3,036 |
| Cost of funding earning assets | 0.5807% | 6,184 |
| Net interest margin | 4.3865% | 1,427 |
| Noninterest income to average assets | 0.8002% | 2,060 |
| Noninterest expense to average assets | 2.9787% | 3,671 |
| Loan and lease loss provision to assets | 0.0698% | 5,742 |
| Net operating income to assets | 1.8127% | 450 |
| Return on assets (ROA) | 1.8127% | 482 |
| Pretax return on assets | 1.8127% | 786 |
| Return on Equity (ROE) | 23.0428% | 156 |
| Retained earnings to average equity (ytd only) | 1.4380% | 5,179 |
| Net charge-offs to loans | 0.1607% | 4,858 |
| Credit loss provision to net charge-offs | 69.4444% | 4,864 |
| Earnings coverage of net charge-offs (x) | 18.7222% | 1,200 |
| Efficiency ratio | 61.2755% | 5,567 |
| Assets per employee ($millions) | 4.3524% | 3,154 |
| Cash dividends to net income (ytd only)* | 93.7596% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 6,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 5,991 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 59.1323% | 4,171 |
| Net loans and leases to deposits | 66.2437% | 4,698 |
| Net loans and leases to core deposits | 67.8525% | 5,045 |
| Total domestic deposits to total assets | 89.2648% | 1,389 |
| Equity capital to assets | 7.9592% | 6,600 |
| Core capital (leverage) ratio | 7.6676% | 6,560 |
| Tier 1 risk-based capital ratio | 14.1060% | 4,251 |
| Total risk-based capital ratio | 15.1073% | 4,391 |
| Memoranda: | ||
| Average total assets | $71,607,400 | 5,704 |
| Average earning assets | $66,294,600 | 5,657 |
| Average equity | $5,633,000 | 6,251 |
| Average total loans | $44,805,600 | 5,477 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0427% | 2,876 |
| Cost of funding earning assets | 0.6187% | 6,196 |
| Net interest margin | 4.4241% | 1,335 |
| Noninterest income to average assets | 0.8337% | 1,908 |
| Noninterest expense to average assets | 2.8858% | 3,991 |
| Loan and lease loss provision to assets | 0.0939% | 5,291 |
| Net operating income to assets | 1.9489% | 382 |
| Return on assets (ROA) | 1.9489% | 419 |
| Pretax return on assets | 1.9489% | 692 |
| Return on Equity (ROE) | 24.8513% | 132 |
| Retained earnings to average equity (ytd only) | 0.5028% | 5,804 |
| Net charge-offs to loans | 0.1571% | 4,516 |
| Credit loss provision to net charge-offs | 94.3396% | 3,624 |
| Earnings coverage of net charge-offs (x) | 20.5297% | 1,216 |
| Efficiency ratio | 58.5524% | 5,927 |
| Assets per employee ($millions) | 4.5771% | 2,796 |
| Cash dividends to net income (ytd only)* | 97.9768% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 6,413 |
| Loan loss allowance to noncurrent loans | 138.3871% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 6,084 |
| Noncurrent loans to loans | 0.6962% | 5,493 |
| Net loans and leases to total assets | 56.6778% | 4,733 |
| Net loans and leases to deposits | 61.4237% | 5,468 |
| Net loans and leases to core deposits | 63.0194% | 5,713 |
| Total domestic deposits to total assets | 92.2735% | 180 |
| Equity capital to assets | 7.5016% | 6,930 |
| Core capital (leverage) ratio | 7.7631% | 6,593 |
| Tier 1 risk-based capital ratio | 13.7460% | 4,543 |
| Total risk-based capital ratio | 14.7777% | 4,683 |
| Memoranda: | ||
| Average total assets | $71,011,750 | 5,757 |
| Average earning assets | $65,730,000 | 5,723 |
| Average equity | $5,569,000 | 6,311 |
| Average total loans | $44,966,500 | 5,518 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2303% | 2,145 |
| Cost of funding earning assets | 0.6664% | 6,139 |
| Net interest margin | 4.5639% | 979 |
| Noninterest income to average assets | 0.8873% | 1,684 |
| Noninterest expense to average assets | 2.9733% | 3,742 |
| Loan and lease loss provision to assets | 0.1455% | 4,488 |
| Net operating income to assets | 1.9929% | 348 |
| Return on assets (ROA) | 1.9929% | 362 |
| Pretax return on assets | 1.9929% | 594 |
| Return on Equity (ROE) | 25.0015% | 137 |
| Retained earnings to average equity (ytd only) | -0.1095% | 5,859 |
| Net charge-offs to loans | 0.2217% | 3,798 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 14.7000% | 1,463 |
| Efficiency ratio | 58.1673% | 6,137 |
| Assets per employee ($millions) | 4.1025% | 3,545 |
| Cash dividends to net income (ytd only)* | 100.4380% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 6,541 |
| Loan loss allowance to noncurrent loans | 98.1818% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 5,655 |
| Noncurrent loans to loans | 0.9596% | 5,072 |
| Net loans and leases to total assets | 65.1243% | 3,227 |
| Net loans and leases to deposits | 74.0942% | 3,795 |
| Net loans and leases to core deposits | 76.3550% | 4,264 |
| Total domestic deposits to total assets | 87.8940% | 2,215 |
| Equity capital to assets | 8.2332% | 6,488 |
| Core capital (leverage) ratio | 8.2542% | 5,941 |
| Tier 1 risk-based capital ratio | 13.8296% | 4,287 |
| Total risk-based capital ratio | 14.8792% | 4,414 |
| Memoranda: | ||
| Average total assets | $68,745,670 | 5,859 |
| Average earning assets | $63,629,330 | 5,837 |
| Average equity | $5,479,670 | 6,374 |
| Average total loans | $45,112,000 | 5,552 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 2,656 |
| Cost of funding earning assets | 0.7023% | 6,121 |
| Net interest margin | 4.3970% | 1,286 |
| Noninterest income to average assets | 0.8733% | 1,755 |
| Noninterest expense to average assets | 2.9364% | 3,911 |
| Loan and lease loss provision to assets | 0.1465% | 4,180 |
| Net operating income to assets | 1.8638% | 431 |
| Return on assets (ROA) | 1.8638% | 453 |
| Pretax return on assets | 1.8638% | 720 |
| Return on Equity (ROE) | 23.7824% | 193 |
| Retained earnings to average equity (ytd only) | -1.6453% | 6,097 |
| Net charge-offs to loans | 0.4470% | 2,356 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 6.8600% | 2,038 |
| Efficiency ratio | 59.3602% | 6,071 |
| Assets per employee ($millions) | 4.2319% | 3,392 |
| Cash dividends to net income (ytd only)* | 106.9182% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 6,655 |
| Loan loss allowance to noncurrent loans | 78.2692% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.7680% | 5,376 |
| Noncurrent loans to loans | 1.1700% | 4,744 |
| Net loans and leases to total assets | 65.0362% | 3,233 |
| Net loans and leases to deposits | 72.7195% | 3,961 |
| Net loans and leases to core deposits | 74.2685% | 4,510 |
| Total domestic deposits to total assets | 89.4344% | 1,511 |
| Equity capital to assets | 8.0239% | 6,470 |
| Core capital (leverage) ratio | 8.3289% | 5,751 |
| Tier 1 risk-based capital ratio | 14.0539% | 4,038 |
| Total risk-based capital ratio | 15.0622% | 4,182 |
| Memoranda: | ||
| Average total assets | $68,247,500 | 5,925 |
| Average earning assets | $63,225,000 | 5,885 |
| Average equity | $5,348,500 | 6,438 |
| Average total loans | $44,742,500 | 5,626 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3962% | 2,686 |
| Cost of funding earning assets | 0.8440% | 6,386 |
| Net interest margin | 4.5523% | 1,128 |
| Noninterest income to average assets | 0.7599% | 2,484 |
| Noninterest expense to average assets | 3.0485% | 3,663 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.9065% | 335 |
| Return on assets (ROA) | 1.9065% | 357 |
| Pretax return on assets | 1.9065% | 601 |
| Return on Equity (ROE) | 22.9535% | 144 |
| Retained earnings to average equity (ytd only) | 2.4350% | 4,173 |
| Net charge-offs to loans | 0.0022% | 6,834 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 1,282.0000% | 9 |
| Efficiency ratio | 61.5246% | 5,806 |
| Assets per employee ($millions) | 4.2991% | 3,211 |
| Cash dividends to net income (ytd only)* | 89.3916% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 6,536 |
| Loan loss allowance to noncurrent loans | 881.6327% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 7,053 |
| Noncurrent loans to loans | 0.1088% | 6,869 |
| Net loans and leases to total assets | 64.8543% | 3,697 |
| Net loans and leases to deposits | 70.4005% | 4,765 |
| Net loans and leases to core deposits | 71.5408% | 5,262 |
| Total domestic deposits to total assets | 92.1218% | 259 |
| Equity capital to assets | 7.6528% | 6,776 |
| Core capital (leverage) ratio | 9.0244% | 4,502 |
| Tier 1 risk-based capital ratio | 14.0499% | 3,836 |
| Total risk-based capital ratio | 15.1157% | 3,939 |
| Memoranda: | ||
| Average total assets | $67,245,400 | 5,955 |
| Average earning assets | $61,969,000 | 5,922 |
| Average equity | $5,585,200 | 6,487 |
| Average total loans | $44,653,200 | 5,719 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3964% | 2,904 |
| Cost of funding earning assets | 0.8730% | 6,496 |
| Net interest margin | 4.5234% | 1,208 |
| Noninterest income to average assets | 0.7378% | 2,593 |
| Noninterest expense to average assets | 2.9493% | 3,924 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.9523% | 366 |
| Return on assets (ROA) | 1.9523% | 401 |
| Pretax return on assets | 1.9523% | 700 |
| Return on Equity (ROE) | 23.0394% | 160 |
| Retained earnings to average equity (ytd only) | 0.7766% | 5,499 |
| Net charge-offs to loans | 0.0030% | 6,641 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 981.4286% | 24 |
| Efficiency ratio | 60.1709% | 5,921 |
| Assets per employee ($millions) | 4.2306% | 3,386 |
| Cash dividends to net income (ytd only)* | 96.6291% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 6,588 |
| Loan loss allowance to noncurrent loans | 216.0000% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 6,683 |
| Noncurrent loans to loans | 0.4381% | 6,322 |
| Net loans and leases to total assets | 62.8754% | 4,352 |
| Net loans and leases to deposits | 68.4871% | 5,350 |
| Net loans and leases to core deposits | 70.0879% | 5,739 |
| Total domestic deposits to total assets | 91.8062% | 228 |
| Equity capital to assets | 7.9074% | 6,866 |
| Core capital (leverage) ratio | 8.1076% | 6,184 |
| Tier 1 risk-based capital ratio | 13.6294% | 4,097 |
| Total risk-based capital ratio | 14.6823% | 4,202 |
| Memoranda: | ||
| Average total assets | $66,860,500 | 6,029 |
| Average earning assets | $61,545,500 | 6,004 |
| Average equity | $5,665,500 | 6,550 |
| Average total loans | $44,556,000 | 5,806 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4596% | 2,703 |
| Cost of funding earning assets | 0.8949% | 6,601 |
| Net interest margin | 4.5647% | 1,075 |
| Noninterest income to average assets | 0.7365% | 2,471 |
| Noninterest expense to average assets | 3.0073% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.9241% | 381 |
| Return on assets (ROA) | 1.9241% | 420 |
| Pretax return on assets | 1.9241% | 706 |
| Return on Equity (ROE) | 22.1620% | 202 |
| Retained earnings to average equity (ytd only) | -0.0353% | 5,739 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9832% | 5,862 |
| Assets per employee ($millions) | 3.8262% | 4,165 |
| Cash dividends to net income (ytd only)* | 100.1595% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 6,604 |
| Loan loss allowance to noncurrent loans | 216.5000% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 6,638 |
| Noncurrent loans to loans | 0.4379% | 6,368 |
| Net loans and leases to total assets | 69.5554% | 3,004 |
| Net loans and leases to deposits | 76.3724% | 4,264 |
| Net loans and leases to core deposits | 76.6987% | 5,116 |
| Total domestic deposits to total assets | 91.0740% | 454 |
| Equity capital to assets | 8.6416% | 5,954 |
| Core capital (leverage) ratio | 8.7216% | 5,044 |
| Tier 1 risk-based capital ratio | 13.9030% | 3,798 |
| Total risk-based capital ratio | 14.9861% | 3,878 |
| Memoranda: | ||
| Average total assets | $65,174,000 | 6,134 |
| Average earning assets | $59,894,330 | 6,104 |
| Average equity | $5,658,330 | 6,570 |
| Average total loans | $44,190,670 | 5,858 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3893% | 3,088 |
| Cost of funding earning assets | 0.8882% | 6,817 |
| Net interest margin | 4.5011% | 1,140 |
| Noninterest income to average assets | 0.7296% | 2,406 |
| Noninterest expense to average assets | 2.8818% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9804% | 356 |
| Return on assets (ROA) | 1.9804% | 393 |
| Pretax return on assets | 1.9804% | 630 |
| Return on Equity (ROE) | 22.7585% | 238 |
| Retained earnings to average equity (ytd only) | 5.6368% | 2,791 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2686% | 6,295 |
| Assets per employee ($millions) | 3.6326% | 4,738 |
| Cash dividends to net income (ytd only)* | 75.2322% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,480 |
| Loan loss allowance to noncurrent loans | 153.0035% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 6,128 |
| Noncurrent loans to loans | 0.6530% | 6,016 |
| Net loans and leases to total assets | 65.6180% | 3,952 |
| Net loans and leases to deposits | 72.1262% | 5,034 |
| Net loans and leases to core deposits | 72.7401% | 5,637 |
| Total domestic deposits to total assets | 90.9767% | 558 |
| Equity capital to assets | 8.7159% | 5,709 |
| Core capital (leverage) ratio | 8.7225% | 4,984 |
| Tier 1 risk-based capital ratio | 14.6429% | 3,297 |
| Total risk-based capital ratio | 15.7671% | 3,336 |
| Memoranda: | ||
| Average total assets | $65,238,000 | 6,202 |
| Average earning assets | $59,896,000 | 6,174 |
| Average equity | $5,677,000 | 6,628 |
| Average total loans | $43,448,000 | 5,965 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9015% | 2,227 |
| Cost of funding earning assets | 1.0102% | 7,187 |
| Net interest margin | 4.8913% | 572 |
| Noninterest income to average assets | 0.7414% | 2,733 |
| Noninterest expense to average assets | 3.2380% | 3,246 |
| Loan and lease loss provision to assets | 0.0626% | 6,940 |
| Net operating income to assets | 1.8943% | 293 |
| Return on assets (ROA) | 1.8943% | 302 |
| Pretax return on assets | 1.8943% | 519 |
| Return on Equity (ROE) | 21.3535% | 185 |
| Retained earnings to average equity (ytd only) | -0.4585% | 5,087 |
| Net charge-offs to loans | 0.0795% | 6,315 |
| Credit loss provision to net charge-offs | 114.2857% | 4,793 |
| Earnings coverage of net charge-offs (x) | 35.7429% | 660 |
| Efficiency ratio | 62.3306% | 6,100 |
| Assets per employee ($millions) | 3.4258% | 5,193 |
| Cash dividends to net income (ytd only)* | 102.1470% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 6,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 7,190 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 66.2544% | 4,096 |
| Net loans and leases to deposits | 72.8082% | 5,220 |
| Net loans and leases to core deposits | 80.9738% | 6,001 |
| Total domestic deposits to total assets | 90.9986% | 533 |
| Equity capital to assets | 8.6880% | 5,606 |
| Core capital (leverage) ratio | 8.5524% | 5,189 |
| Tier 1 risk-based capital ratio | 14.6900% | 3,106 |
| Total risk-based capital ratio | 15.8343% | 3,110 |
| Memoranda: | ||
| Average total assets | $63,929,000 | 6,204 |
| Average earning assets | $58,205,600 | 6,214 |
| Average equity | $5,671,200 | 6,720 |
| Average total loans | $44,011,200 | 5,933 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0024% | 2,031 |
| Cost of funding earning assets | 1.0488% | 7,287 |
| Net interest margin | 4.9536% | 488 |
| Noninterest income to average assets | 0.7375% | 2,777 |
| Noninterest expense to average assets | 3.1322% | 3,529 |
| Loan and lease loss provision to assets | 0.0838% | 6,530 |
| Net operating income to assets | 2.0239% | 277 |
| Return on assets (ROA) | 2.0239% | 299 |
| Pretax return on assets | 2.0239% | 519 |
| Return on Equity (ROE) | 22.6945% | 180 |
| Retained earnings to average equity (ytd only) | -4.0173% | 6,112 |
| Net charge-offs to loans | 0.1058% | 5,612 |
| Credit loss provision to net charge-offs | 114.2857% | 4,440 |
| Earnings coverage of net charge-offs (x) | 28.7401% | 960 |
| Efficiency ratio | 59.7761% | 6,448 |
| Assets per employee ($millions) | 3.6032% | 4,676 |
| Cash dividends to net income (ytd only)* | 117.7015% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 6,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 65.2559% | 4,587 |
| Net loans and leases to deposits | 71.7254% | 5,692 |
| Net loans and leases to core deposits | 80.1997% | 6,335 |
| Total domestic deposits to total assets | 90.9802% | 431 |
| Equity capital to assets | 8.5989% | 6,117 |
| Core capital (leverage) ratio | 8.4490% | 5,579 |
| Tier 1 risk-based capital ratio | 14.6527% | 3,200 |
| Total risk-based capital ratio | 15.8248% | 3,182 |
| Memoranda: | ||
| Average total assets | $63,638,750 | 6,259 |
| Average earning assets | $57,842,500 | 6,263 |
| Average equity | $5,675,250 | 6,789 |
| Average total loans | $44,124,500 | 5,963 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0806% | 1,851 |
| Cost of funding earning assets | 1.0958% | 7,384 |
| Net interest margin | 4.9849% | 448 |
| Noninterest income to average assets | 0.7749% | 2,553 |
| Noninterest expense to average assets | 3.2199% | 3,273 |
| Loan and lease loss provision to assets | 0.1265% | 5,846 |
| Net operating income to assets | 1.9610% | 326 |
| Return on assets (ROA) | 1.9610% | 356 |
| Pretax return on assets | 1.9610% | 616 |
| Return on Equity (ROE) | 21.7239% | 252 |
| Retained earnings to average equity (ytd only) | -4.0995% | 6,155 |
| Net charge-offs to loans | 0.1615% | 4,588 |
| Credit loss provision to net charge-offs | 111.1111% | 4,162 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,417 |
| Efficiency ratio | 60.6675% | 6,450 |
| Assets per employee ($millions) | 3.4918% | 4,834 |
| Cash dividends to net income (ytd only)* | 118.8710% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 6,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 70.4071% | 3,606 |
| Net loans and leases to deposits | 77.7897% | 4,911 |
| Net loans and leases to core deposits | 88.5379% | 5,679 |
| Total domestic deposits to total assets | 90.5096% | 628 |
| Equity capital to assets | 9.0067% | 5,305 |
| Core capital (leverage) ratio | 8.7830% | 4,967 |
| Tier 1 risk-based capital ratio | 14.4787% | 3,260 |
| Total risk-based capital ratio | 15.6228% | 3,257 |
| Memoranda: | ||
| Average total assets | $63,232,670 | 6,321 |
| Average earning assets | $57,494,000 | 6,336 |
| Average equity | $5,708,000 | 6,824 |
| Average total loans | $44,580,670 | 6,000 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0513% | 2,146 |
| Cost of funding earning assets | 1.1085% | 7,508 |
| Net interest margin | 4.9428% | 465 |
| Noninterest income to average assets | 0.8325% | 2,165 |
| Noninterest expense to average assets | 3.2796% | 2,719 |
| Loan and lease loss provision to assets | 0.1261% | 5,343 |
| Net operating income to assets | 1.8984% | 434 |
| Return on assets (ROA) | 1.8984% | 483 |
| Pretax return on assets | 1.8984% | 799 |
| Return on Equity (ROE) | 21.0067% | 362 |
| Retained earnings to average equity (ytd only) | -8.4446% | 6,955 |
| Net charge-offs to loans | 0.0090% | 5,531 |
| Credit loss provision to net charge-offs | 2,000.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 321.0000% | 126 |
| Efficiency ratio | 61.8312% | 6,088 |
| Assets per employee ($millions) | 3.4554% | 4,925 |
| Cash dividends to net income (ytd only)* | 140.1993% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 6,115 |
| Loan loss allowance to noncurrent loans | 338.6364% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 6,702 |
| Noncurrent loans to loans | 0.2981% | 6,697 |
| Net loans and leases to total assets | 70.4680% | 3,580 |
| Net loans and leases to deposits | 79.4119% | 4,701 |
| Net loans and leases to core deposits | 89.8946% | 5,562 |
| Total domestic deposits to total assets | 88.7374% | 1,364 |
| Equity capital to assets | 9.1017% | 5,225 |
| Core capital (leverage) ratio | 8.5840% | 5,370 |
| Tier 1 risk-based capital ratio | 14.5096% | 3,307 |
| Total risk-based capital ratio | 15.6968% | 3,260 |
| Memoranda: | ||
| Average total assets | $63,422,500 | 6,342 |
| Average earning assets | $57,376,000 | 6,358 |
| Average equity | $5,731,500 | 6,865 |
| Average total loans | $44,528,500 | 6,040 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4939% | 2,985 |
| Cost of funding earning assets | 1.4871% | 7,629 |
| Net interest margin | 5.0068% | 498 |
| Noninterest income to average assets | 0.7631% | 2,706 |
| Noninterest expense to average assets | 2.9732% | 4,173 |
| Loan and lease loss provision to assets | 0.0792% | 6,406 |
| Net operating income to assets | 2.2576% | 212 |
| Return on assets (ROA) | 2.2576% | 208 |
| Pretax return on assets | 2.2576% | 348 |
| Return on Equity (ROE) | 25.9452% | 118 |
| Retained earnings to average equity (ytd only) | 3.8390% | 2,738 |
| Net charge-offs to loans | 0.0269% | 6,456 |
| Credit loss provision to net charge-offs | 416.6667% | 1,048 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 366 |
| Efficiency ratio | 55.9928% | 7,014 |
| Assets per employee ($millions) | 3.5916% | 4,433 |
| Cash dividends to net income (ytd only)* | 85.2034% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 6,368 |
| Loan loss allowance to noncurrent loans | 321.8045% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 6,539 |
| Noncurrent loans to loans | 0.2970% | 6,489 |
| Net loans and leases to total assets | 68.6069% | 4,343 |
| Net loans and leases to deposits | 76.5446% | 5,525 |
| Net loans and leases to core deposits | 85.5608% | 6,163 |
| Total domestic deposits to total assets | 89.6300% | 792 |
| Equity capital to assets | 8.9748% | 5,399 |
| Core capital (leverage) ratio | 8.5851% | 5,414 |
| Tier 1 risk-based capital ratio | 13.4590% | 3,845 |
| Total risk-based capital ratio | 14.4906% | 3,884 |
| Memoranda: | ||
| Average total assets | $63,165,200 | 6,269 |
| Average earning assets | $57,361,600 | 6,287 |
| Average equity | $5,496,200 | 6,977 |
| Average total loans | $44,566,000 | 5,946 |