Home > Iowa Prairie Bank > Performance and Condition Ratios
Iowa Prairie Bank, Performance and Condition Ratios
| 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 | 3.0408% | 3,926 |
| Cost of funding earning assets | 0.4518% | 1,342 |
| Net interest margin | 2.5890% | 4,148 |
| Noninterest income to average assets | 0.2705% | 3,795 |
| Noninterest expense to average assets | 2.6171% | 1,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1296% | 4,674 |
| Return on assets (ROA) | 0.1371% | 4,691 |
| Pretax return on assets | 0.1371% | 4,697 |
| Return on Equity (ROE) | 1.9637% | 4,595 |
| Retained earnings to average equity (ytd only) | 1.9637% | 4,194 |
| Net charge-offs to loans | -0.0055% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2804% | 205 |
| Assets per employee ($millions) | 5.4701% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4718% | 300 |
| Loan loss allowance to noncurrent loans | 346.4516% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 1.0589% | 605 |
| Noncurrent loans to loans | 0.7135% | 1,559 |
| Net loans and leases to total assets | 29.7957% | 4,597 |
| Net loans and leases to deposits | 32.3634% | 4,666 |
| Net loans and leases to core deposits | 32.8771% | 4,675 |
| Total domestic deposits to total assets | 92.0659% | 112 |
| Equity capital to assets | 7.2197% | 4,772 |
| Core capital (leverage) ratio | 7.3186% | 4,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8269% | 1,168 |
| Memoranda: | ||
| Average total assets | $70,968,500 | 4,384 |
| Average earning assets | $67,875,000 | 4,345 |
| Average equity | $4,956,500 | 4,704 |
| Average total loans | $24,327,250 | 4,550 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2904% | 3,455 |
| Cost of funding earning assets | 0.4802% | 1,322 |
| Net interest margin | 2.8102% | 3,769 |
| Noninterest income to average assets | 0.2707% | 3,781 |
| Noninterest expense to average assets | 2.5634% | 1,955 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3976% | 4,385 |
| Return on assets (ROA) | 0.3976% | 4,428 |
| Pretax return on assets | 0.3976% | 4,503 |
| Return on Equity (ROE) | 5.7582% | 3,966 |
| Retained earnings to average equity (ytd only) | 5.7582% | 2,904 |
| Net charge-offs to loans | -0.0079% | 3,589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5714% | 452 |
| Assets per employee ($millions) | 5.3246% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3277% | 344 |
| Loan loss allowance to noncurrent loans | 346.4516% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 1.1153% | 645 |
| Noncurrent loans to loans | 0.6719% | 1,743 |
| Net loans and leases to total assets | 32.5527% | 4,571 |
| Net loans and leases to deposits | 35.4460% | 4,642 |
| Net loans and leases to core deposits | 36.0297% | 4,671 |
| Total domestic deposits to total assets | 91.8376% | 159 |
| Equity capital to assets | 7.4314% | 4,756 |
| Core capital (leverage) ratio | 7.0045% | 4,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8033% | 1,170 |
| Memoranda: | ||
| Average total assets | $70,921,000 | 4,412 |
| Average earning assets | $67,895,000 | 4,370 |
| Average equity | $4,897,333 | 4,737 |
| Average total loans | $25,194,667 | 4,565 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6952% | 4,486 |
| Cost of funding earning assets | 0.5250% | 1,239 |
| Net interest margin | 2.1702% | 4,635 |
| Noninterest income to average assets | 0.8025% | 1,581 |
| Noninterest expense to average assets | 2.4745% | 2,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4013% | 4,356 |
| Return on assets (ROA) | 0.4013% | 4,383 |
| Pretax return on assets | 0.4013% | 4,483 |
| Return on Equity (ROE) | 6.0327% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.0327% | 2,886 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0465% | 511 |
| Assets per employee ($millions) | 5.5885% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1762% | 437 |
| Loan loss allowance to noncurrent loans | 191.4286% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2595% | 571 |
| Noncurrent loans to loans | 1.1368% | 1,179 |
| Net loans and leases to total assets | 33.1645% | 4,598 |
| Net loans and leases to deposits | 35.7881% | 4,684 |
| Net loans and leases to core deposits | 36.6984% | 4,697 |
| Total domestic deposits to total assets | 92.6690% | 60 |
| Equity capital to assets | 6.6607% | 4,897 |
| Core capital (leverage) ratio | 6.9148% | 4,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6195% | 1,401 |
| Memoranda: | ||
| Average total assets | $71,771,500 | 4,417 |
| Average earning assets | $68,565,500 | 4,377 |
| Average equity | $4,774,000 | 4,767 |
| Average total loans | $26,257,000 | 4,565 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3898% | 4,208 |
| Cost of funding earning assets | 0.7241% | 1,592 |
| Net interest margin | 2.6657% | 4,426 |
| Noninterest income to average assets | -0.6203% | 4,997 |
| Noninterest expense to average assets | 2.8378% | 1,841 |
| Loan and lease loss provision to assets | 0.0444% | 3,847 |
| Net operating income to assets | -0.9501% | 4,928 |
| Return on assets (ROA) | -0.9459% | 4,929 |
| Pretax return on assets | -1.0022% | 4,926 |
| Return on Equity (ROE) | -13.1449% | 4,963 |
| Retained earnings to average equity (ytd only) | -13.1449% | 4,938 |
| Net charge-offs to loans | 0.4631% | 356 |
| Credit loss provision to net charge-offs | 23.0769% | 3,237 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 3,379 |
| Efficiency ratio | 151.3023% | 36 |
| Assets per employee ($millions) | 5.4533% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9222% | 690 |
| Loan loss allowance to noncurrent loans | 167.5000% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.3739% | 568 |
| Noncurrent loans to loans | 1.1476% | 1,237 |
| Net loans and leases to total assets | 38.5764% | 4,497 |
| Net loans and leases to deposits | 41.6624% | 4,606 |
| Net loans and leases to core deposits | 42.7473% | 4,636 |
| Total domestic deposits to total assets | 92.5931% | 29 |
| Equity capital to assets | 6.6424% | 4,946 |
| Core capital (leverage) ratio | 5.7606% | 4,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7290% | 2,987 |
| Memoranda: | ||
| Average total assets | $67,553,200 | 4,419 |
| Average earning assets | $63,249,000 | 4,399 |
| Average equity | $4,861,200 | 4,768 |
| Average total loans | $28,073,600 | 4,555 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5210% | 4,170 |
| Cost of funding earning assets | 0.7534% | 1,720 |
| Net interest margin | 2.7676% | 4,379 |
| Noninterest income to average assets | -1.0392% | 5,029 |
| Noninterest expense to average assets | 2.9516% | 1,560 |
| Loan and lease loss provision to assets | 0.0600% | 3,591 |
| Net operating income to assets | -1.4668% | 4,974 |
| Return on assets (ROA) | -1.4668% | 4,974 |
| Pretax return on assets | -1.4668% | 4,965 |
| Return on Equity (ROE) | -19.9753% | 4,999 |
| Retained earnings to average equity (ytd only) | -19.9753% | 4,982 |
| Net charge-offs to loans | 0.6116% | 233 |
| Credit loss provision to net charge-offs | 23.2558% | 2,975 |
| Earnings coverage of net charge-offs (x) | -5.4574% | 3,189 |
| Efficiency ratio | 191.0737% | 23 |
| Assets per employee ($millions) | 4.9310% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9611% | 532 |
| Loan loss allowance to noncurrent loans | 146.1957% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 1.5080% | 562 |
| Noncurrent loans to loans | 1.3415% | 1,097 |
| Net loans and leases to total assets | 38.9591% | 4,595 |
| Net loans and leases to deposits | 42.2452% | 4,693 |
| Net loans and leases to core deposits | 43.2007% | 4,725 |
| Total domestic deposits to total assets | 92.2212% | 41 |
| Equity capital to assets | 6.6808% | 4,980 |
| Core capital (leverage) ratio | 5.7010% | 5,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1018% | 2,898 |
| Memoranda: | ||
| Average total assets | $66,718,250 | 4,443 |
| Average earning assets | $62,291,250 | 4,426 |
| Average equity | $4,899,250 | 4,794 |
| Average total loans | $28,121,000 | 4,576 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 4,240 |
| Cost of funding earning assets | 0.7829% | 1,914 |
| Net interest margin | 2.8295% | 4,408 |
| Noninterest income to average assets | 0.4034% | 3,054 |
| Noninterest expense to average assets | 3.0540% | 1,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0091% | 4,783 |
| Return on assets (ROA) | -0.0091% | 4,797 |
| Pretax return on assets | -0.0091% | 4,796 |
| Return on Equity (ROE) | -0.1201% | 4,803 |
| Retained earnings to average equity (ytd only) | -0.1201% | 4,331 |
| Net charge-offs to loans | -0.0423% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2988% | 181 |
| Assets per employee ($millions) | 4.7984% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3108% | 283 |
| Loan loss allowance to noncurrent loans | 305.7143% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 1.2518% | 849 |
| Noncurrent loans to loans | 0.7559% | 1,993 |
| Net loans and leases to total assets | 37.7070% | 4,679 |
| Net loans and leases to deposits | 41.1911% | 4,763 |
| Net loans and leases to core deposits | 42.0873% | 4,793 |
| Total domestic deposits to total assets | 91.5416% | 82 |
| Equity capital to assets | 7.4830% | 4,879 |
| Core capital (leverage) ratio | 6.8705% | 5,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4337% | 2,429 |
| Memoranda: | ||
| Average total assets | $65,946,333 | 4,460 |
| Average earning assets | $61,565,667 | 4,446 |
| Average equity | $4,995,000 | 4,799 |
| Average total loans | $28,350,333 | 4,590 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8234% | 4,182 |
| Cost of funding earning assets | 0.8587% | 2,066 |
| Net interest margin | 2.9647% | 4,340 |
| Noninterest income to average assets | 0.3242% | 3,583 |
| Noninterest expense to average assets | 3.2098% | 1,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.1208% | 4,810 |
| Return on assets (ROA) | -0.1208% | 4,796 |
| Pretax return on assets | -0.1208% | 4,782 |
| Return on Equity (ROE) | -1.5835% | 4,822 |
| Retained earnings to average equity (ytd only) | -1.5835% | 4,208 |
| Net charge-offs to loans | -0.0838% | 4,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9095% | 193 |
| Assets per employee ($millions) | 4.0078% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2715% | 340 |
| Loan loss allowance to noncurrent loans | 298.6047% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 1.4425% | 762 |
| Noncurrent loans to loans | 0.7607% | 2,097 |
| Net loans and leases to total assets | 43.0737% | 4,546 |
| Net loans and leases to deposits | 47.0001% | 4,692 |
| Net loans and leases to core deposits | 48.1554% | 4,725 |
| Total domestic deposits to total assets | 91.6460% | 63 |
| Equity capital to assets | 7.3949% | 5,041 |
| Core capital (leverage) ratio | 7.4438% | 5,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5433% | 2,460 |
| Memoranda: | ||
| Average total assets | $62,931,500 | 4,511 |
| Average earning assets | $58,691,000 | 4,503 |
| Average equity | $4,799,500 | 4,864 |
| Average total loans | $28,634,500 | 4,626 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 4,184 |
| Cost of funding earning assets | 0.7774% | 2,784 |
| Net interest margin | 3.2541% | 4,076 |
| Noninterest income to average assets | 0.3246% | 3,748 |
| Noninterest expense to average assets | 3.2380% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1261% | 4,909 |
| Return on assets (ROA) | 0.1261% | 4,924 |
| Pretax return on assets | 0.1323% | 4,927 |
| Return on Equity (ROE) | 1.8018% | 4,816 |
| Retained earnings to average equity (ytd only) | 1.8018% | 4,082 |
| Net charge-offs to loans | 0.0169% | 3,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 2,121 |
| Efficiency ratio | 96.0749% | 207 |
| Assets per employee ($millions) | 3.8586% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1926% | 335 |
| Loan loss allowance to noncurrent loans | 295.8140% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5290% | 660 |
| Noncurrent loans to loans | 0.7412% | 2,031 |
| Net loans and leases to total assets | 45.9522% | 4,523 |
| Net loans and leases to deposits | 50.3872% | 4,672 |
| Net loans and leases to core deposits | 51.6777% | 4,717 |
| Total domestic deposits to total assets | 91.1983% | 92 |
| Equity capital to assets | 7.8671% | 5,072 |
| Core capital (leverage) ratio | 7.5945% | 5,094 |
| Tier 1 risk-based capital ratio | 12.0536% | 4,335 |
| Total risk-based capital ratio | 13.3078% | 4,204 |
| Memoranda: | ||
| Average total assets | $65,009,800 | 4,521 |
| Average earning assets | $60,846,200 | 4,493 |
| Average equity | $4,551,000 | 4,937 |
| Average total loans | $29,535,800 | 4,652 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0595% | 4,237 |
| Cost of funding earning assets | 0.7679% | 2,878 |
| Net interest margin | 3.2916% | 4,101 |
| Noninterest income to average assets | 0.3220% | 3,817 |
| Noninterest expense to average assets | 3.1252% | 1,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3241% | 4,813 |
| Return on assets (ROA) | 0.3241% | 4,837 |
| Pretax return on assets | 0.2876% | 4,915 |
| Return on Equity (ROE) | 4.7677% | 4,395 |
| Retained earnings to average equity (ytd only) | 4.7677% | 3,013 |
| Net charge-offs to loans | 0.0494% | 2,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 12.9059% | 2,325 |
| Efficiency ratio | 91.5727% | 281 |
| Assets per employee ($millions) | 3.7630% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2845% | 295 |
| Loan loss allowance to noncurrent loans | 293.0233% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 1.5995% | 656 |
| Noncurrent loans to loans | 0.7796% | 2,015 |
| Net loans and leases to total assets | 44.7565% | 4,668 |
| Net loans and leases to deposits | 49.5149% | 4,788 |
| Net loans and leases to core deposits | 50.8223% | 4,818 |
| Total domestic deposits to total assets | 90.3900% | 198 |
| Equity capital to assets | 8.3079% | 5,065 |
| Core capital (leverage) ratio | 7.6701% | 5,168 |
| Tier 1 risk-based capital ratio | 13.0253% | 3,832 |
| Total risk-based capital ratio | 14.2786% | 3,734 |
| Memoranda: | ||
| Average total assets | $65,827,750 | 4,559 |
| Average earning assets | $61,813,000 | 4,534 |
| Average equity | $4,474,500 | 5,012 |
| Average total loans | $29,668,250 | 4,712 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7493% | 4,773 |
| Cost of funding earning assets | 0.7405% | 2,941 |
| Net interest margin | 3.0088% | 4,667 |
| Noninterest income to average assets | 0.3102% | 3,851 |
| Noninterest expense to average assets | 3.1166% | 1,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0916% | 5,063 |
| Return on assets (ROA) | 0.0916% | 5,071 |
| Pretax return on assets | 0.0384% | 5,098 |
| Return on Equity (ROE) | 1.4423% | 5,009 |
| Retained earnings to average equity (ytd only) | 1.4423% | 4,307 |
| Net charge-offs to loans | 0.0725% | 1,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1.1818% | 3,045 |
| Efficiency ratio | 98.7828% | 168 |
| Assets per employee ($millions) | 3.9224% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0945% | 398 |
| Loan loss allowance to noncurrent loans | 114.5455% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 2.0969% | 426 |
| Noncurrent loans to loans | 1.8285% | 818 |
| Net loans and leases to total assets | 46.9239% | 4,608 |
| Net loans and leases to deposits | 51.4258% | 4,761 |
| Net loans and leases to core deposits | 52.7231% | 4,805 |
| Total domestic deposits to total assets | 91.2459% | 79 |
| Equity capital to assets | 7.5989% | 5,226 |
| Core capital (leverage) ratio | 7.2780% | 5,251 |
| Tier 1 risk-based capital ratio | 11.4650% | 4,701 |
| Total risk-based capital ratio | 12.7182% | 4,593 |
| Memoranda: | ||
| Average total assets | $67,701,000 | 4,555 |
| Average earning assets | $64,012,000 | 4,524 |
| Average equity | $4,298,670 | 5,070 |
| Average total loans | $30,365,330 | 4,725 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6578% | 4,897 |
| Cost of funding earning assets | 0.7267% | 2,908 |
| Net interest margin | 2.9310% | 4,848 |
| Noninterest income to average assets | 0.2850% | 3,968 |
| Noninterest expense to average assets | 3.2264% | 1,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.0570% | 5,166 |
| Return on assets (ROA) | -0.0570% | 5,168 |
| Pretax return on assets | -0.1596% | 5,187 |
| Return on Equity (ROE) | -0.9844% | 5,187 |
| Retained earnings to average equity (ytd only) | -0.9844% | 4,651 |
| Net charge-offs to loans | 0.1573% | 855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -2.3333% | 2,703 |
| Efficiency ratio | 105.2045% | 130 |
| Assets per employee ($millions) | 4.0571% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 422 |
| Loan loss allowance to noncurrent loans | 51.5152% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 3.0902% | 202 |
| Noncurrent loans to loans | 4.0601% | 184 |
| Net loans and leases to total assets | 45.3585% | 4,690 |
| Net loans and leases to deposits | 49.0733% | 4,847 |
| Net loans and leases to core deposits | 49.9533% | 4,892 |
| Total domestic deposits to total assets | 92.4300% | 41 |
| Equity capital to assets | 6.5687% | 5,328 |
| Core capital (leverage) ratio | 7.0034% | 5,319 |
| Tier 1 risk-based capital ratio | 11.3578% | 4,803 |
| Total risk-based capital ratio | 12.6106% | 4,715 |
| Memoranda: | ||
| Average total assets | $70,172,000 | 4,569 |
| Average earning assets | $66,598,000 | 4,534 |
| Average equity | $4,063,500 | 5,141 |
| Average total loans | $30,508,500 | 4,777 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8578% | 4,371 |
| Cost of funding earning assets | 0.6511% | 2,384 |
| Net interest margin | 3.2067% | 4,473 |
| Noninterest income to average assets | 0.4047% | 3,414 |
| Noninterest expense to average assets | 2.9375% | 2,223 |
| Loan and lease loss provision to assets | 1.9858% | 34 |
| Net operating income to assets | -1.3952% | 5,358 |
| Return on assets (ROA) | -1.3938% | 5,355 |
| Pretax return on assets | -1.4613% | 5,354 |
| Return on Equity (ROE) | -18.9448% | 5,377 |
| Retained earnings to average equity (ytd only) | -22.7134% | 5,378 |
| Net charge-offs to loans | 4.0889% | 26 |
| Credit loss provision to net charge-offs | 95.7370% | 2,631 |
| Earnings coverage of net charge-offs (x) | 0.2522% | 3,704 |
| Efficiency ratio | 84.8852% | 589 |
| Assets per employee ($millions) | 4.7144% | 2,854 |
| Cash dividends to net income (ytd only)* | -19.8925% | 5,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0715% | 420 |
| Loan loss allowance to noncurrent loans | 52.4980% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 2.6846% | 266 |
| Noncurrent loans to loans | 3.9458% | 191 |
| Net loans and leases to total assets | 40.1737% | 4,942 |
| Net loans and leases to deposits | 42.7501% | 5,058 |
| Net loans and leases to core deposits | 43.5851% | 5,083 |
| Total domestic deposits to total assets | 93.9732% | 12 |
| Equity capital to assets | 5.1213% | 5,391 |
| Core capital (leverage) ratio | 7.0875% | 5,355 |
| Tier 1 risk-based capital ratio | 11.1724% | 4,877 |
| Total risk-based capital ratio | 12.4241% | 4,788 |
| Memoranda: | ||
| Average total assets | $66,723,200 | 4,638 |
| Average earning assets | $63,585,800 | 4,600 |
| Average equity | $4,909,000 | 5,062 |
| Average total loans | $33,847,400 | 4,721 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 3,281 |
| Cost of funding earning assets | 0.6572% | 2,107 |
| Net interest margin | 3.5542% | 3,508 |
| Noninterest income to average assets | 0.3037% | 4,113 |
| Noninterest expense to average assets | 2.8217% | 2,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8532% | 3,725 |
| Return on assets (ROA) | 0.8552% | 3,721 |
| Pretax return on assets | 0.8800% | 4,089 |
| Return on Equity (ROE) | 10.6758% | 2,312 |
| Retained earnings to average equity (ytd only) | 5.9052% | 2,702 |
| Net charge-offs to loans | 0.0038% | 3,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 426.0526% | 219 |
| Efficiency ratio | 76.2702% | 1,322 |
| Assets per employee ($millions) | 3.9730% | 3,933 |
| Cash dividends to net income (ytd only)* | 44.6856% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 462 |
| Loan loss allowance to noncurrent loans | 31.8451% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 4.7461% | 94 |
| Noncurrent loans to loans | 6.3727% | 69 |
| Net loans and leases to total assets | 53.0849% | 4,414 |
| Net loans and leases to deposits | 58.9494% | 4,600 |
| Net loans and leases to core deposits | 60.3786% | 4,686 |
| Total domestic deposits to total assets | 90.0516% | 495 |
| Equity capital to assets | 7.7335% | 5,261 |
| Core capital (leverage) ratio | 9.0674% | 4,642 |
| Tier 1 risk-based capital ratio | 13.6919% | 3,521 |
| Total risk-based capital ratio | 14.9449% | 3,436 |
| Memoranda: | ||
| Average total assets | $64,546,500 | 4,730 |
| Average earning assets | $61,671,500 | 4,682 |
| Average equity | $5,170,500 | 5,085 |
| Average total loans | $34,573,250 | 4,749 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 3,315 |
| Cost of funding earning assets | 0.6476% | 1,936 |
| Net interest margin | 3.4925% | 3,656 |
| Noninterest income to average assets | 0.3761% | 3,642 |
| Noninterest expense to average assets | 2.9196% | 2,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7985% | 3,859 |
| Return on assets (ROA) | 0.8016% | 3,846 |
| Pretax return on assets | 0.8016% | 4,236 |
| Return on Equity (ROE) | 9.8947% | 2,616 |
| Retained earnings to average equity (ytd only) | 5.5182% | 2,813 |
| Net charge-offs to loans | -0.0058% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5240% | 1,159 |
| Assets per employee ($millions) | 4.0613% | 3,798 |
| Cash dividends to net income (ytd only)* | 44.2308% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0286% | 493 |
| Loan loss allowance to noncurrent loans | 114.5425% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 2.2361% | 428 |
| Noncurrent loans to loans | 1.7710% | 886 |
| Net loans and leases to total assets | 52.1006% | 4,473 |
| Net loans and leases to deposits | 57.2629% | 4,682 |
| Net loans and leases to core deposits | 58.6041% | 4,762 |
| Total domestic deposits to total assets | 90.9849% | 252 |
| Equity capital to assets | 7.8486% | 5,278 |
| Core capital (leverage) ratio | 8.8408% | 4,848 |
| Tier 1 risk-based capital ratio | 13.4486% | 3,644 |
| Total risk-based capital ratio | 14.7016% | 3,560 |
| Memoranda: | ||
| Average total assets | $64,872,670 | 4,777 |
| Average earning assets | $62,076,000 | 4,728 |
| Average equity | $5,255,330 | 5,120 |
| Average total loans | $34,616,330 | 4,795 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0793% | 3,305 |
| Cost of funding earning assets | 0.6692% | 1,609 |
| Net interest margin | 3.4101% | 3,849 |
| Noninterest income to average assets | 0.3703% | 3,659 |
| Noninterest expense to average assets | 2.8510% | 2,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7899% | 3,750 |
| Return on assets (ROA) | 0.7961% | 3,726 |
| Pretax return on assets | 0.7961% | 4,159 |
| Return on Equity (ROE) | 9.6756% | 2,599 |
| Retained earnings to average equity (ytd only) | 9.6756% | 1,263 |
| Net charge-offs to loans | -0.0115% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3051% | 1,323 |
| Assets per employee ($millions) | 4.0515% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0185% | 522 |
| Loan loss allowance to noncurrent loans | 124.7331% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 2.1936% | 477 |
| Noncurrent loans to loans | 1.6182% | 1,072 |
| Net loans and leases to total assets | 52.4929% | 4,406 |
| Net loans and leases to deposits | 58.4412% | 4,568 |
| Net loans and leases to core deposits | 59.8305% | 4,667 |
| Total domestic deposits to total assets | 89.8217% | 726 |
| Equity capital to assets | 8.0248% | 5,260 |
| Core capital (leverage) ratio | 8.7798% | 4,915 |
| Tier 1 risk-based capital ratio | 13.3091% | 3,774 |
| Total risk-based capital ratio | 14.5616% | 3,681 |
| Memoranda: | ||
| Average total assets | $64,819,000 | 4,833 |
| Average earning assets | $62,168,000 | 4,789 |
| Average equity | $5,333,000 | 5,161 |
| Average total loans | $34,646,500 | 4,839 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 3,362 |
| Cost of funding earning assets | 0.6217% | 1,458 |
| Net interest margin | 3.3901% | 3,881 |
| Noninterest income to average assets | 0.4032% | 3,622 |
| Noninterest expense to average assets | 2.9237% | 2,375 |
| Loan and lease loss provision to assets | -0.1545% | 5,540 |
| Net operating income to assets | 0.8284% | 3,043 |
| Return on assets (ROA) | 0.8284% | 3,080 |
| Pretax return on assets | 0.8593% | 4,051 |
| Return on Equity (ROE) | 10.0929% | 1,839 |
| Retained earnings to average equity (ytd only) | 3.3703% | 3,272 |
| Net charge-offs to loans | -0.5775% | 5,611 |
| Credit loss provision to net charge-offs | 52.2388% | 3,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5758% | 1,052 |
| Assets per employee ($millions) | 4.0509% | 3,882 |
| Cash dividends to net income (ytd only)* | 66.6075% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0252% | 513 |
| Loan loss allowance to noncurrent loans | 122.1640% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 2.2387% | 454 |
| Noncurrent loans to loans | 1.6578% | 993 |
| Net loans and leases to total assets | 52.2480% | 4,504 |
| Net loans and leases to deposits | 59.2276% | 4,621 |
| Net loans and leases to core deposits | 60.6588% | 4,725 |
| Total domestic deposits to total assets | 88.2155% | 1,393 |
| Equity capital to assets | 8.4303% | 5,167 |
| Core capital (leverage) ratio | 8.3822% | 5,234 |
| Tier 1 risk-based capital ratio | 13.0277% | 3,886 |
| Total risk-based capital ratio | 14.2815% | 3,787 |
| Memoranda: | ||
| Average total assets | $67,962,000 | 4,814 |
| Average earning assets | $64,658,000 | 4,772 |
| Average equity | $5,578,200 | 5,170 |
| Average total loans | $34,803,600 | 4,875 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 3,315 |
| Cost of funding earning assets | 0.6225% | 1,390 |
| Net interest margin | 3.3891% | 3,886 |
| Noninterest income to average assets | 0.4170% | 3,578 |
| Noninterest expense to average assets | 2.8295% | 2,633 |
| Loan and lease loss provision to assets | 0.0485% | 3,125 |
| Net operating income to assets | 0.7331% | 3,808 |
| Return on assets (ROA) | 0.7331% | 3,880 |
| Pretax return on assets | 0.7486% | 4,491 |
| Return on Equity (ROE) | 8.9890% | 2,610 |
| Retained earnings to average equity (ytd only) | 4.7084% | 3,074 |
| Net charge-offs to loans | -0.3671% | 5,628 |
| Credit loss provision to net charge-offs | -26.0417% | 4,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0214% | 1,330 |
| Assets per employee ($millions) | 4.1546% | 3,733 |
| Cash dividends to net income (ytd only)* | 47.6180% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1242% | 462 |
| Loan loss allowance to noncurrent loans | 122.6734% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 2.2385% | 533 |
| Noncurrent loans to loans | 1.7316% | 1,042 |
| Net loans and leases to total assets | 50.2542% | 4,682 |
| Net loans and leases to deposits | 58.7214% | 4,703 |
| Net loans and leases to core deposits | 60.1466% | 4,810 |
| Total domestic deposits to total assets | 85.5808% | 2,483 |
| Equity capital to assets | 8.6756% | 5,165 |
| Core capital (leverage) ratio | 8.5457% | 5,213 |
| Tier 1 risk-based capital ratio | 13.5442% | 3,676 |
| Total risk-based capital ratio | 14.7979% | 3,591 |
| Memoranda: | ||
| Average total assets | $68,749,000 | 4,846 |
| Average earning assets | $65,109,000 | 4,811 |
| Average equity | $5,606,750 | 5,221 |
| Average total loans | $34,863,500 | 4,924 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 3,017 |
| Cost of funding earning assets | 0.6569% | 1,108 |
| Net interest margin | 3.3909% | 3,804 |
| Noninterest income to average assets | 0.4458% | 3,382 |
| Noninterest expense to average assets | 2.7552% | 2,907 |
| Loan and lease loss provision to assets | 0.0719% | 2,533 |
| Net operating income to assets | 0.8139% | 3,339 |
| Return on assets (ROA) | 0.8139% | 3,390 |
| Pretax return on assets | 0.8254% | 4,180 |
| Return on Equity (ROE) | 10.1301% | 1,973 |
| Retained earnings to average equity (ytd only) | 6.1926% | 2,024 |
| Net charge-offs to loans | -0.0114% | 4,582 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4331% | 1,805 |
| Assets per employee ($millions) | 4.2379% | 3,543 |
| Cash dividends to net income (ytd only)* | 38.8693% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 785 |
| Loan loss allowance to noncurrent loans | 69.5700% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.6885% | 376 |
| Noncurrent loans to loans | 2.6666% | 532 |
| Net loans and leases to total assets | 49.2309% | 4,749 |
| Net loans and leases to deposits | 54.5859% | 4,928 |
| Net loans and leases to core deposits | 55.8125% | 4,999 |
| Total domestic deposits to total assets | 90.1898% | 474 |
| Equity capital to assets | 8.6702% | 5,176 |
| Core capital (leverage) ratio | 8.4548% | 5,248 |
| Tier 1 risk-based capital ratio | 13.3919% | 3,752 |
| Total risk-based capital ratio | 14.6442% | 3,667 |
| Memoranda: | ||
| Average total assets | $69,541,330 | 4,870 |
| Average earning assets | $65,764,000 | 4,833 |
| Average equity | $5,587,330 | 5,255 |
| Average total loans | $35,141,670 | 4,950 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0055% | 3,022 |
| Cost of funding earning assets | 0.8287% | 418 |
| Net interest margin | 3.1768% | 4,417 |
| Noninterest income to average assets | 0.3977% | 3,676 |
| Noninterest expense to average assets | 2.6417% | 3,338 |
| Loan and lease loss provision to assets | 0.1420% | 1,324 |
| Net operating income to assets | 0.6192% | 4,068 |
| Return on assets (ROA) | 0.6192% | 4,122 |
| Pretax return on assets | 0.6192% | 4,685 |
| Return on Equity (ROE) | 8.0125% | 2,915 |
| Retained earnings to average equity (ytd only) | 8.0125% | 1,455 |
| Net charge-offs to loans | -0.0224% | 4,800 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6294% | 1,682 |
| Assets per employee ($millions) | 4.5943% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8107% | 936 |
| Loan loss allowance to noncurrent loans | 92.2515% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 2.3478% | 516 |
| Noncurrent loans to loans | 1.9628% | 911 |
| Net loans and leases to total assets | 49.6510% | 4,698 |
| Net loans and leases to deposits | 54.6301% | 4,901 |
| Net loans and leases to core deposits | 56.0677% | 4,971 |
| Total domestic deposits to total assets | 90.8859% | 335 |
| Equity capital to assets | 8.0665% | 5,493 |
| Core capital (leverage) ratio | 7.6261% | 5,676 |
| Tier 1 risk-based capital ratio | 12.7367% | 4,236 |
| Total risk-based capital ratio | 13.9888% | 4,138 |
| Memoranda: | ||
| Average total assets | $70,408,500 | 4,908 |
| Average earning assets | $66,608,000 | 4,866 |
| Average equity | $5,441,500 | 5,330 |
| Average total loans | $35,706,000 | 4,976 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 3,318 |
| Cost of funding earning assets | 0.5829% | 1,472 |
| Net interest margin | 3.3854% | 3,866 |
| Noninterest income to average assets | 0.3627% | 4,149 |
| Noninterest expense to average assets | 2.9462% | 2,512 |
| Loan and lease loss provision to assets | 0.3943% | 397 |
| Net operating income to assets | 0.1907% | 5,435 |
| Return on assets (ROA) | 0.1921% | 5,482 |
| Pretax return on assets | 0.1964% | 5,501 |
| Return on Equity (ROE) | 2.2196% | 5,353 |
| Retained earnings to average equity (ytd only) | -2.6668% | 5,571 |
| Net charge-offs to loans | 0.7040% | 308 |
| Credit loss provision to net charge-offs | 104.5627% | 2,480 |
| Earnings coverage of net charge-offs (x) | 1.5627% | 3,971 |
| Efficiency ratio | 83.3333% | 1,071 |
| Assets per employee ($millions) | 4.7935% | 2,661 |
| Cash dividends to net income (ytd only)* | 220.1493% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 1,250 |
| Loan loss allowance to noncurrent loans | 88.1752% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 2.2781% | 554 |
| Noncurrent loans to loans | 1.8734% | 999 |
| Net loans and leases to total assets | 50.0125% | 4,761 |
| Net loans and leases to deposits | 58.2216% | 4,772 |
| Net loans and leases to core deposits | 59.4793% | 4,885 |
| Total domestic deposits to total assets | 85.9003% | 2,633 |
| Equity capital to assets | 7.4045% | 5,734 |
| Core capital (leverage) ratio | 7.6750% | 5,711 |
| Tier 1 risk-based capital ratio | 12.6051% | 4,321 |
| Total risk-based capital ratio | 13.8549% | 4,215 |
| Memoranda: | ||
| Average total assets | $69,751,800 | 4,942 |
| Average earning assets | $65,368,000 | 4,908 |
| Average equity | $6,037,200 | 5,277 |
| Average total loans | $37,355,800 | 4,970 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0235% | 3,133 |
| Cost of funding earning assets | 0.5910% | 1,403 |
| Net interest margin | 3.4325% | 3,729 |
| Noninterest income to average assets | 0.3622% | 4,190 |
| Noninterest expense to average assets | 2.9377% | 2,507 |
| Loan and lease loss provision to assets | 0.5297% | 229 |
| Net operating income to assets | 0.0738% | 5,655 |
| Return on assets (ROA) | 0.0751% | 5,697 |
| Pretax return on assets | 0.1079% | 5,673 |
| Return on Equity (ROE) | 0.8366% | 5,660 |
| Retained earnings to average equity (ytd only) | -3.5609% | 5,678 |
| Net charge-offs to loans | 0.9515% | 182 |
| Credit loss provision to net charge-offs | 102.6119% | 2,306 |
| Earnings coverage of net charge-offs (x) | 1.2314% | 3,719 |
| Efficiency ratio | 82.2102% | 1,169 |
| Assets per employee ($millions) | 4.5689% | 2,975 |
| Cash dividends to net income (ytd only)* | 525.6346% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6955% | 1,232 |
| Loan loss allowance to noncurrent loans | 111.1317% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 2.1975% | 668 |
| Noncurrent loans to loans | 1.5257% | 1,420 |
| Net loans and leases to total assets | 50.6763% | 4,769 |
| Net loans and leases to deposits | 60.5379% | 4,715 |
| Net loans and leases to core deposits | 61.9471% | 4,834 |
| Total domestic deposits to total assets | 83.7100% | 3,318 |
| Equity capital to assets | 9.0073% | 5,170 |
| Core capital (leverage) ratio | 7.9397% | 5,710 |
| Tier 1 risk-based capital ratio | 12.3449% | 4,577 |
| Total risk-based capital ratio | 13.5945% | 4,481 |
| Memoranda: | ||
| Average total assets | $69,214,250 | 4,993 |
| Average earning assets | $64,752,000 | 4,968 |
| Average equity | $6,215,500 | 5,296 |
| Average total loans | $37,553,750 | 5,006 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0965% | 2,876 |
| Cost of funding earning assets | 0.6015% | 1,303 |
| Net interest margin | 3.4950% | 3,506 |
| Noninterest income to average assets | 0.3600% | 4,190 |
| Noninterest expense to average assets | 2.8283% | 2,928 |
| Loan and lease loss provision to assets | 0.1296% | 1,766 |
| Net operating income to assets | 0.6338% | 4,126 |
| Return on assets (ROA) | 0.6365% | 4,258 |
| Pretax return on assets | 0.6682% | 4,719 |
| Return on Equity (ROE) | 7.0951% | 3,487 |
| Retained earnings to average equity (ytd only) | 3.4031% | 3,725 |
| Net charge-offs to loans | 0.3865% | 587 |
| Credit loss provision to net charge-offs | 60.8108% | 2,570 |
| Earnings coverage of net charge-offs (x) | 3.7297% | 3,065 |
| Efficiency ratio | 78.0604% | 1,782 |
| Assets per employee ($millions) | 4.7192% | 2,675 |
| Cash dividends to net income (ytd only)* | 52.0362% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,810 |
| Loan loss allowance to noncurrent loans | 118.5263% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 2.1190% | 750 |
| Noncurrent loans to loans | 1.2762% | 1,781 |
| Net loans and leases to total assets | 51.7828% | 4,697 |
| Net loans and leases to deposits | 61.8239% | 4,669 |
| Net loans and leases to core deposits | 63.2131% | 4,798 |
| Total domestic deposits to total assets | 83.7585% | 3,364 |
| Equity capital to assets | 9.1922% | 5,072 |
| Core capital (leverage) ratio | 8.3298% | 5,510 |
| Tier 1 risk-based capital ratio | 12.4901% | 4,534 |
| Total risk-based capital ratio | 13.6995% | 4,468 |
| Memoranda: | ||
| Average total assets | $69,441,330 | 5,038 |
| Average earning assets | $64,836,000 | 5,011 |
| Average equity | $6,229,670 | 5,345 |
| Average total loans | $38,295,330 | 5,025 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 2,353 |
| Cost of funding earning assets | 0.6260% | 1,175 |
| Net interest margin | 3.6074% | 3,058 |
| Noninterest income to average assets | 0.2966% | 4,604 |
| Noninterest expense to average assets | 2.8734% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8085% | 3,195 |
| Return on assets (ROA) | 0.8143% | 3,296 |
| Pretax return on assets | 0.8143% | 4,149 |
| Return on Equity (ROE) | 9.1939% | 2,322 |
| Retained earnings to average equity (ytd only) | 9.1939% | 1,054 |
| Net charge-offs to loans | -0.0515% | 5,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0411% | 1,891 |
| Assets per employee ($millions) | 4.6381% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 1,693 |
| Loan loss allowance to noncurrent loans | 87.0262% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 2.4234% | 631 |
| Noncurrent loans to loans | 1.8121% | 1,228 |
| Net loans and leases to total assets | 53.5560% | 4,487 |
| Net loans and leases to deposits | 63.8834% | 4,449 |
| Net loans and leases to core deposits | 65.3421% | 4,592 |
| Total domestic deposits to total assets | 83.8340% | 3,583 |
| Equity capital to assets | 9.0741% | 5,103 |
| Core capital (leverage) ratio | 8.3304% | 5,542 |
| Tier 1 risk-based capital ratio | 12.1780% | 4,793 |
| Total risk-based capital ratio | 13.4212% | 4,701 |
| Memoranda: | ||
| Average total assets | $68,768,000 | 5,098 |
| Average earning assets | $64,533,500 | 5,060 |
| Average equity | $6,091,000 | 5,403 |
| Average total loans | $38,833,500 | 5,053 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0334% | 3,177 |
| Cost of funding earning assets | 0.5975% | 1,371 |
| Net interest margin | 3.4359% | 3,772 |
| Noninterest income to average assets | 0.2232% | 5,264 |
| Noninterest expense to average assets | 2.6752% | 3,670 |
| Loan and lease loss provision to assets | 0.1028% | 2,269 |
| Net operating income to assets | 0.6567% | 4,011 |
| Return on assets (ROA) | 0.6666% | 4,058 |
| Pretax return on assets | 0.6974% | 4,537 |
| Return on Equity (ROE) | 7.7702% | 3,093 |
| Retained earnings to average equity (ytd only) | 3.3888% | 3,638 |
| Net charge-offs to loans | 0.0677% | 2,889 |
| Credit loss provision to net charge-offs | 269.2308% | 1,076 |
| Earnings coverage of net charge-offs (x) | 20.6923% | 1,861 |
| Efficiency ratio | 77.2034% | 2,087 |
| Assets per employee ($millions) | 4.5309% | 2,993 |
| Cash dividends to net income (ytd only)* | 56.3877% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 2,070 |
| Loan loss allowance to noncurrent loans | 163.9889% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 2.0025% | 882 |
| Noncurrent loans to loans | 0.9068% | 2,522 |
| Net loans and leases to total assets | 57.7041% | 4,124 |
| Net loans and leases to deposits | 69.1736% | 4,005 |
| Net loans and leases to core deposits | 70.7983% | 4,234 |
| Total domestic deposits to total assets | 83.4192% | 3,703 |
| Equity capital to assets | 8.6355% | 5,437 |
| Core capital (leverage) ratio | 8.2068% | 5,694 |
| Tier 1 risk-based capital ratio | 12.4831% | 4,646 |
| Total risk-based capital ratio | 13.7340% | 4,532 |
| Memoranda: | ||
| Average total assets | $68,107,000 | 5,130 |
| Average earning assets | $64,262,800 | 5,080 |
| Average equity | $5,842,800 | 5,472 |
| Average total loans | $38,399,200 | 5,075 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 3,365 |
| Cost of funding earning assets | 0.6023% | 1,392 |
| Net interest margin | 3.3926% | 3,993 |
| Noninterest income to average assets | 0.2857% | 4,908 |
| Noninterest expense to average assets | 2.5945% | 3,900 |
| Loan and lease loss provision to assets | 0.0783% | 2,612 |
| Net operating income to assets | 0.7910% | 3,472 |
| Return on assets (ROA) | 0.8042% | 3,505 |
| Pretax return on assets | 0.8335% | 4,229 |
| Return on Equity (ROE) | 9.3894% | 2,360 |
| Retained earnings to average equity (ytd only) | 4.7974% | 3,055 |
| Net charge-offs to loans | 0.1297% | 1,842 |
| Credit loss provision to net charge-offs | 108.1081% | 2,139 |
| Earnings coverage of net charge-offs (x) | 12.4058% | 2,409 |
| Efficiency ratio | 74.2857% | 2,510 |
| Assets per employee ($millions) | 4.5690% | 2,887 |
| Cash dividends to net income (ytd only)* | 48.9042% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 2,819 |
| Loan loss allowance to noncurrent loans | 177.7419% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 1.9654% | 1,049 |
| Noncurrent loans to loans | 0.7629% | 3,056 |
| Net loans and leases to total assets | 58.4869% | 4,084 |
| Net loans and leases to deposits | 74.6151% | 3,464 |
| Net loans and leases to core deposits | 75.8807% | 3,819 |
| Total domestic deposits to total assets | 78.3848% | 5,117 |
| Equity capital to assets | 8.7415% | 5,545 |
| Core capital (leverage) ratio | 8.5452% | 5,518 |
| Tier 1 risk-based capital ratio | 12.3310% | 4,868 |
| Total risk-based capital ratio | 13.5189% | 4,807 |
| Memoranda: | ||
| Average total assets | $68,142,750 | 5,191 |
| Average earning assets | $64,414,000 | 5,139 |
| Average equity | $5,836,250 | 5,543 |
| Average total loans | $38,046,500 | 5,143 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9397% | 3,534 |
| Cost of funding earning assets | 0.6152% | 1,312 |
| Net interest margin | 3.3245% | 4,194 |
| Noninterest income to average assets | 0.2852% | 4,921 |
| Noninterest expense to average assets | 2.5878% | 3,946 |
| Loan and lease loss provision to assets | 0.0294% | 3,541 |
| Net operating income to assets | 0.7884% | 3,447 |
| Return on assets (ROA) | 0.7969% | 3,498 |
| Pretax return on assets | 0.8234% | 4,236 |
| Return on Equity (ROE) | 9.3696% | 2,353 |
| Retained earnings to average equity (ytd only) | 4.8404% | 2,964 |
| Net charge-offs to loans | 0.1130% | 1,875 |
| Credit loss provision to net charge-offs | 47.6190% | 2,730 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 2,112 |
| Efficiency ratio | 75.4070% | 2,474 |
| Assets per employee ($millions) | 4.4491% | 3,068 |
| Cash dividends to net income (ytd only)* | 48.3395% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 2,798 |
| Loan loss allowance to noncurrent loans | 170.4762% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 2.0259% | 1,079 |
| Noncurrent loans to loans | 0.8173% | 3,079 |
| Net loans and leases to total assets | 56.9489% | 4,227 |
| Net loans and leases to deposits | 67.7252% | 4,157 |
| Net loans and leases to core deposits | 68.8228% | 4,427 |
| Total domestic deposits to total assets | 84.0883% | 3,530 |
| Equity capital to assets | 8.4361% | 5,733 |
| Core capital (leverage) ratio | 8.0989% | 5,871 |
| Tier 1 risk-based capital ratio | 12.5810% | 4,756 |
| Total risk-based capital ratio | 13.7810% | 4,704 |
| Memoranda: | ||
| Average total assets | $68,012,000 | 5,254 |
| Average earning assets | $64,371,000 | 5,195 |
| Average equity | $5,784,670 | 5,608 |
| Average total loans | $37,183,670 | 5,210 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 3,970 |
| Cost of funding earning assets | 0.6268% | 1,255 |
| Net interest margin | 3.1834% | 4,668 |
| Noninterest income to average assets | 0.2739% | 4,987 |
| Noninterest expense to average assets | 2.4647% | 4,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8274% | 3,131 |
| Return on assets (ROA) | 0.8274% | 3,254 |
| Pretax return on assets | 0.8274% | 4,140 |
| Return on Equity (ROE) | 9.6895% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.6895% | 995 |
| Net charge-offs to loans | 0.2301% | 1,030 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.7619% | 2,251 |
| Efficiency ratio | 74.8673% | 2,675 |
| Assets per employee ($millions) | 4.6173% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 2,852 |
| Loan loss allowance to noncurrent loans | 68.0879% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.6148% | 796 |
| Noncurrent loans to loans | 2.0767% | 1,242 |
| Net loans and leases to total assets | 53.0516% | 4,549 |
| Net loans and leases to deposits | 63.2236% | 4,463 |
| Net loans and leases to core deposits | 64.2124% | 4,677 |
| Total domestic deposits to total assets | 83.9111% | 3,850 |
| Equity capital to assets | 8.8956% | 5,396 |
| Core capital (leverage) ratio | 8.0779% | 5,894 |
| Tier 1 risk-based capital ratio | 13.2869% | 4,445 |
| Total risk-based capital ratio | 14.5258% | 4,362 |
| Memoranda: | ||
| Average total assets | $68,649,500 | 5,294 |
| Average earning assets | $65,087,500 | 5,231 |
| Average equity | $5,862,000 | 5,633 |
| Average total loans | $36,504,000 | 5,274 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8645% | 4,271 |
| Cost of funding earning assets | 0.6317% | 1,542 |
| Net interest margin | 3.2328% | 4,823 |
| Noninterest income to average assets | 0.3085% | 4,912 |
| Noninterest expense to average assets | 2.5057% | 4,529 |
| Loan and lease loss provision to assets | 0.0585% | 3,370 |
| Net operating income to assets | 0.7587% | 3,576 |
| Return on assets (ROA) | 0.7587% | 3,682 |
| Pretax return on assets | 0.7968% | 4,269 |
| Return on Equity (ROE) | 10.4942% | 1,905 |
| Retained earnings to average equity (ytd only) | 4.6910% | 2,832 |
| Net charge-offs to loans | 0.0118% | 4,665 |
| Credit loss provision to net charge-offs | 1,000.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 146.2500% | 374 |
| Efficiency ratio | 74.5542% | 2,742 |
| Assets per employee ($millions) | 4.5360% | 2,980 |
| Cash dividends to net income (ytd only)* | 55.2987% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 2,329 |
| Loan loss allowance to noncurrent loans | 158.3815% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 2.0326% | 1,248 |
| Noncurrent loans to loans | 0.9682% | 2,901 |
| Net loans and leases to total assets | 51.7196% | 4,811 |
| Net loans and leases to deposits | 62.0361% | 4,725 |
| Net loans and leases to core deposits | 63.0205% | 4,917 |
| Total domestic deposits to total assets | 83.3701% | 3,956 |
| Equity capital to assets | 8.1761% | 5,977 |
| Core capital (leverage) ratio | 8.0258% | 5,986 |
| Tier 1 risk-based capital ratio | 12.8331% | 4,836 |
| Total risk-based capital ratio | 14.0535% | 4,767 |
| Memoranda: | ||
| Average total assets | $68,402,800 | 5,336 |
| Average earning assets | $64,588,200 | 5,264 |
| Average equity | $4,945,600 | 5,865 |
| Average total loans | $33,917,600 | 5,401 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,513 |
| Cost of funding earning assets | 0.6392% | 1,533 |
| Net interest margin | 3.1692% | 5,060 |
| Noninterest income to average assets | 0.2900% | 5,126 |
| Noninterest expense to average assets | 2.4294% | 4,730 |
| Loan and lease loss provision to assets | 0.0779% | 2,785 |
| Net operating income to assets | 0.7747% | 3,537 |
| Return on assets (ROA) | 0.7747% | 3,645 |
| Pretax return on assets | 0.7747% | 4,455 |
| Return on Equity (ROE) | 11.0754% | 1,762 |
| Retained earnings to average equity (ytd only) | 5.5933% | 2,674 |
| Net charge-offs to loans | 0.0159% | 4,224 |
| Credit loss provision to net charge-offs | 1,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 109.5666% | 545 |
| Efficiency ratio | 74.0214% | 2,817 |
| Assets per employee ($millions) | 4.5679% | 2,856 |
| Cash dividends to net income (ytd only)* | 49.4978% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 2,573 |
| Loan loss allowance to noncurrent loans | 31.0834% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 2.5730% | 1,002 |
| Noncurrent loans to loans | 4.9291% | 381 |
| Net loans and leases to total assets | 51.4003% | 4,860 |
| Net loans and leases to deposits | 63.3914% | 4,602 |
| Net loans and leases to core deposits | 64.7182% | 4,828 |
| Total domestic deposits to total assets | 81.0841% | 4,800 |
| Equity capital to assets | 7.7103% | 6,243 |
| Core capital (leverage) ratio | 8.1371% | 5,980 |
| Tier 1 risk-based capital ratio | 13.1601% | 4,759 |
| Total risk-based capital ratio | 14.4113% | 4,691 |
| Memoranda: | ||
| Average total assets | $68,493,500 | 5,394 |
| Average earning assets | $64,662,750 | 5,313 |
| Average equity | $4,791,250 | 5,973 |
| Average total loans | $33,462,500 | 5,474 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7476% | 4,707 |
| Cost of funding earning assets | 0.6670% | 1,401 |
| Net interest margin | 3.0806% | 5,312 |
| Noninterest income to average assets | 0.3096% | 4,937 |
| Noninterest expense to average assets | 2.4093% | 4,854 |
| Loan and lease loss provision to assets | 0.1168% | 2,088 |
| Net operating income to assets | 0.6834% | 3,926 |
| Return on assets (ROA) | 0.6834% | 4,025 |
| Pretax return on assets | 0.6834% | 4,700 |
| Return on Equity (ROE) | 10.1138% | 2,102 |
| Retained earnings to average equity (ytd only) | 5.2730% | 2,782 |
| Net charge-offs to loans | 0.0245% | 3,708 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 739 |
| Efficiency ratio | 75.0682% | 2,801 |
| Assets per employee ($millions) | 4.5608% | 2,823 |
| Cash dividends to net income (ytd only)* | 47.8632% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 2,258 |
| Loan loss allowance to noncurrent loans | 23.7847% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 3.3678% | 710 |
| Noncurrent loans to loans | 6.9765% | 176 |
| Net loans and leases to total assets | 47.4727% | 5,220 |
| Net loans and leases to deposits | 55.6819% | 5,218 |
| Net loans and leases to core deposits | 56.7879% | 5,363 |
| Total domestic deposits to total assets | 85.2570% | 3,383 |
| Equity capital to assets | 7.3613% | 6,380 |
| Core capital (leverage) ratio | 7.9090% | 6,154 |
| Tier 1 risk-based capital ratio | 14.1361% | 4,167 |
| Total risk-based capital ratio | 15.3874% | 4,105 |
| Memoranda: | ||
| Average total assets | $68,485,000 | 5,439 |
| Average earning assets | $64,467,670 | 5,369 |
| Average equity | $4,627,330 | 6,049 |
| Average total loans | $32,694,330 | 5,543 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6993% | 4,854 |
| Cost of funding earning assets | 0.7017% | 1,237 |
| Net interest margin | 2.9976% | 5,527 |
| Noninterest income to average assets | 0.3036% | 4,923 |
| Noninterest expense to average assets | 2.4284% | 4,852 |
| Loan and lease loss provision to assets | 0.2335% | 950 |
| Net operating income to assets | 0.4845% | 4,765 |
| Return on assets (ROA) | 0.4845% | 4,838 |
| Pretax return on assets | 0.4845% | 5,211 |
| Return on Equity (ROE) | 7.5062% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.5062% | 1,817 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1800% | 2,618 |
| Assets per employee ($millions) | 4.5573% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 2,315 |
| Loan loss allowance to noncurrent loans | 41.5350% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 1.9441% | 1,769 |
| Noncurrent loans to loans | 4.1202% | 633 |
| Net loans and leases to total assets | 46.3787% | 5,295 |
| Net loans and leases to deposits | 54.0001% | 5,288 |
| Net loans and leases to core deposits | 55.8799% | 5,363 |
| Total domestic deposits to total assets | 85.8863% | 3,422 |
| Equity capital to assets | 6.7599% | 6,493 |
| Core capital (leverage) ratio | 7.7592% | 6,239 |
| Tier 1 risk-based capital ratio | 13.8163% | 4,455 |
| Total risk-based capital ratio | 15.0688% | 4,404 |
| Memoranda: | ||
| Average total assets | $68,521,500 | 5,490 |
| Average earning assets | $64,985,000 | 5,410 |
| Average equity | $4,423,000 | 6,155 |
| Average total loans | $32,529,000 | 5,610 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8002% | 4,817 |
| Cost of funding earning assets | 0.6919% | 1,877 |
| Net interest margin | 3.1082% | 5,286 |
| Noninterest income to average assets | 0.2791% | 5,362 |
| Noninterest expense to average assets | 2.2944% | 5,402 |
| Loan and lease loss provision to assets | 0.5846% | 438 |
| Net operating income to assets | 0.3054% | 5,504 |
| Return on assets (ROA) | 0.3054% | 5,604 |
| Pretax return on assets | 0.3215% | 5,668 |
| Return on Equity (ROE) | 3.9586% | 5,133 |
| Retained earnings to average equity (ytd only) | -0.8334% | 6,033 |
| Net charge-offs to loans | 1.5919% | 289 |
| Credit loss provision to net charge-offs | 72.8597% | 3,227 |
| Earnings coverage of net charge-offs (x) | 1.1293% | 4,699 |
| Efficiency ratio | 71.6895% | 3,538 |
| Assets per employee ($millions) | 4.5789% | 2,756 |
| Cash dividends to net income (ytd only)* | 121.0526% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 2,918 |
| Loan loss allowance to noncurrent loans | 44.9912% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 1.6569% | 2,231 |
| Noncurrent loans to loans | 3.4693% | 914 |
| Net loans and leases to total assets | 47.0124% | 5,392 |
| Net loans and leases to deposits | 54.3164% | 5,446 |
| Net loans and leases to core deposits | 56.1868% | 5,518 |
| Total domestic deposits to total assets | 86.5529% | 2,970 |
| Equity capital to assets | 6.1514% | 6,608 |
| Core capital (leverage) ratio | 7.7842% | 6,253 |
| Tier 1 risk-based capital ratio | 13.4082% | 4,714 |
| Total risk-based capital ratio | 14.6581% | 4,661 |
| Memoranda: | ||
| Average total assets | $68,428,000 | 5,529 |
| Average earning assets | $64,313,000 | 5,453 |
| Average equity | $5,279,600 | 5,998 |
| Average total loans | $34,486,600 | 5,562 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0115% | 4,087 |
| Cost of funding earning assets | 0.7088% | 1,896 |
| Net interest margin | 3.3028% | 4,628 |
| Noninterest income to average assets | 0.2886% | 5,387 |
| Noninterest expense to average assets | 2.1005% | 5,826 |
| Loan and lease loss provision to assets | 0.3315% | 996 |
| Net operating income to assets | 0.9244% | 2,714 |
| Return on assets (ROA) | 0.9244% | 2,827 |
| Pretax return on assets | 0.9556% | 3,666 |
| Return on Equity (ROE) | 11.4009% | 1,679 |
| Retained earnings to average equity (ytd only) | 6.0373% | 2,388 |
| Net charge-offs to loans | 0.3858% | 1,664 |
| Credit loss provision to net charge-offs | 168.3168% | 1,415 |
| Earnings coverage of net charge-offs (x) | 6.5348% | 2,956 |
| Efficiency ratio | 62.0035% | 5,140 |
| Assets per employee ($millions) | 4.3437% | 3,153 |
| Cash dividends to net income (ytd only)* | 47.0474% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1768% | 1,365 |
| Loan loss allowance to noncurrent loans | 49.5924% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 2.2592% | 1,757 |
| Noncurrent loans to loans | 4.3894% | 754 |
| Net loans and leases to total assets | 50.3492% | 5,104 |
| Net loans and leases to deposits | 60.2181% | 4,949 |
| Net loans and leases to core deposits | 62.4001% | 5,072 |
| Total domestic deposits to total assets | 83.6114% | 4,344 |
| Equity capital to assets | 7.2658% | 6,473 |
| Core capital (leverage) ratio | 8.4796% | 5,788 |
| Tier 1 risk-based capital ratio | 14.0103% | 4,428 |
| Total risk-based capital ratio | 15.2319% | 4,395 |
| Memoranda: | ||
| Average total assets | $68,364,000 | 5,583 |
| Average earning assets | $64,146,750 | 5,518 |
| Average equity | $5,543,250 | 5,989 |
| Average total loans | $34,907,750 | 5,594 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9824% | 4,177 |
| Cost of funding earning assets | 0.7165% | 1,946 |
| Net interest margin | 3.2658% | 4,707 |
| Noninterest income to average assets | 0.2708% | 5,519 |
| Noninterest expense to average assets | 1.9673% | 6,102 |
| Loan and lease loss provision to assets | 0.3168% | 1,113 |
| Net operating income to assets | 1.0139% | 2,271 |
| Return on assets (ROA) | 1.0139% | 2,399 |
| Pretax return on assets | 1.0456% | 3,311 |
| Return on Equity (ROE) | 12.1108% | 1,457 |
| Retained earnings to average equity (ytd only) | 8.3606% | 1,345 |
| Net charge-offs to loans | 0.5429% | 1,217 |
| Credit loss provision to net charge-offs | 114.5833% | 1,927 |
| Earnings coverage of net charge-offs (x) | 4.9271% | 3,001 |
| Efficiency ratio | 59.0830% | 5,595 |
| Assets per employee ($millions) | 4.5710% | 2,692 |
| Cash dividends to net income (ytd only)* | 30.9659% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8357% | 2,310 |
| Loan loss allowance to noncurrent loans | 70.0935% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.4045% | 3,002 |
| Noncurrent loans to loans | 2.6190% | 1,748 |
| Net loans and leases to total assets | 52.6435% | 4,783 |
| Net loans and leases to deposits | 63.7270% | 4,543 |
| Net loans and leases to core deposits | 65.8512% | 4,704 |
| Total domestic deposits to total assets | 82.6077% | 4,849 |
| Equity capital to assets | 7.3026% | 6,513 |
| Core capital (leverage) ratio | 7.9569% | 6,214 |
| Tier 1 risk-based capital ratio | 12.9850% | 5,153 |
| Total risk-based capital ratio | 14.2380% | 5,093 |
| Memoranda: | ||
| Average total assets | $69,433,670 | 5,588 |
| Average earning assets | $65,036,670 | 5,527 |
| Average equity | $5,813,000 | 5,971 |
| Average total loans | $35,365,330 | 5,606 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9119% | 4,426 |
| Cost of funding earning assets | 0.7466% | 1,873 |
| Net interest margin | 3.1653% | 5,042 |
| Noninterest income to average assets | 0.2805% | 5,453 |
| Noninterest expense to average assets | 2.1698% | 5,765 |
| Loan and lease loss provision to assets | 0.2863% | 1,232 |
| Net operating income to assets | 0.7614% | 3,373 |
| Return on assets (ROA) | 0.7614% | 3,514 |
| Pretax return on assets | 0.7614% | 4,322 |
| Return on Equity (ROE) | 8.5586% | 2,682 |
| Retained earnings to average equity (ytd only) | 8.5586% | 1,538 |
| Net charge-offs to loans | 1.1193% | 535 |
| Credit loss provision to net charge-offs | 51.5464% | 2,579 |
| Earnings coverage of net charge-offs (x) | 1.8866% | 3,207 |
| Efficiency ratio | 67.4377% | 4,427 |
| Assets per employee ($millions) | 4.6517% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 2,977 |
| Loan loss allowance to noncurrent loans | 86.2360% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 3,887 |
| Noncurrent loans to loans | 1.9795% | 2,639 |
| Net loans and leases to total assets | 50.6686% | 4,901 |
| Net loans and leases to deposits | 60.5128% | 4,734 |
| Net loans and leases to core deposits | 62.4563% | 4,911 |
| Total domestic deposits to total assets | 83.7320% | 4,581 |
| Equity capital to assets | 8.9144% | 5,596 |
| Core capital (leverage) ratio | 7.7939% | 6,294 |
| Tier 1 risk-based capital ratio | 13.1493% | 5,109 |
| Total risk-based capital ratio | 14.4028% | 5,057 |
| Memoranda: | ||
| Average total assets | $69,868,000 | 5,632 |
| Average earning assets | $64,828,000 | 5,586 |
| Average equity | $6,216,000 | 5,936 |
| Average total loans | $34,663,000 | 5,682 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 5,354 |
| Cost of funding earning assets | 0.7351% | 3,207 |
| Net interest margin | 3.2514% | 5,423 |
| Noninterest income to average assets | 0.2798% | 5,464 |
| Noninterest expense to average assets | 2.5718% | 4,849 |
| Loan and lease loss provision to assets | 0.1488% | 3,746 |
| Net operating income to assets | 0.5656% | 4,401 |
| Return on assets (ROA) | 0.5656% | 4,663 |
| Pretax return on assets | 0.5938% | 5,010 |
| Return on Equity (ROE) | 6.2071% | 4,062 |
| Retained earnings to average equity (ytd only) | 2.2705% | 4,643 |
| Net charge-offs to loans | 0.0241% | 5,564 |
| Credit loss provision to net charge-offs | 1,250.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 62.3750% | 576 |
| Efficiency ratio | 77.5932% | 2,510 |
| Assets per employee ($millions) | 4.6641% | 2,689 |
| Cash dividends to net income (ytd only)* | 63.4211% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9815% | 2,066 |
| Loan loss allowance to noncurrent loans | 70.4691% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.3407% | 3,395 |
| Noncurrent loans to loans | 2.8119% | 1,874 |
| Net loans and leases to total assets | 46.7360% | 5,545 |
| Net loans and leases to deposits | 56.0446% | 5,443 |
| Net loans and leases to core deposits | 57.4125% | 5,597 |
| Total domestic deposits to total assets | 83.3907% | 4,566 |
| Equity capital to assets | 8.8792% | 5,652 |
| Core capital (leverage) ratio | 7.8885% | 6,291 |
| Tier 1 risk-based capital ratio | 12.6015% | 5,396 |
| Total risk-based capital ratio | 13.8565% | 5,343 |
| Memoranda: | ||
| Average total assets | $67,190,200 | 5,703 |
| Average earning assets | $62,711,200 | 5,645 |
| Average equity | $6,122,000 | 5,991 |
| Average total loans | $33,193,000 | 5,788 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 5,037 |
| Cost of funding earning assets | 0.7480% | 3,369 |
| Net interest margin | 3.3927% | 5,059 |
| Noninterest income to average assets | 0.2707% | 5,620 |
| Noninterest expense to average assets | 2.5945% | 4,765 |
| Loan and lease loss provision to assets | 0.2005% | 3,075 |
| Net operating income to assets | 0.6095% | 4,350 |
| Return on assets (ROA) | 0.6095% | 4,604 |
| Pretax return on assets | 0.6496% | 5,013 |
| Return on Equity (ROE) | 6.6451% | 3,992 |
| Retained earnings to average equity (ytd only) | 2.8855% | 4,820 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3201% | 2,775 |
| Assets per employee ($millions) | 4.7864% | 2,473 |
| Cash dividends to net income (ytd only)* | 56.5800% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9792% | 2,226 |
| Loan loss allowance to noncurrent loans | 76.1092% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.3118% | 3,671 |
| Noncurrent loans to loans | 2.6005% | 2,194 |
| Net loans and leases to total assets | 49.4441% | 5,380 |
| Net loans and leases to deposits | 59.6285% | 5,248 |
| Net loans and leases to core deposits | 61.1585% | 5,441 |
| Total domestic deposits to total assets | 82.9202% | 4,670 |
| Equity capital to assets | 9.2868% | 5,484 |
| Core capital (leverage) ratio | 8.3133% | 5,988 |
| Tier 1 risk-based capital ratio | 13.6829% | 4,763 |
| Total risk-based capital ratio | 14.9392% | 4,712 |
| Memoranda: | ||
| Average total assets | $66,497,500 | 5,792 |
| Average earning assets | $62,210,750 | 5,733 |
| Average equity | $6,099,500 | 6,068 |
| Average total loans | $33,151,750 | 5,864 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1637% | 5,071 |
| Cost of funding earning assets | 0.7658% | 3,475 |
| Net interest margin | 3.3979% | 5,098 |
| Noninterest income to average assets | 0.2834% | 5,545 |
| Noninterest expense to average assets | 2.5510% | 4,957 |
| Loan and lease loss provision to assets | 0.3015% | 2,175 |
| Net operating income to assets | 0.5759% | 4,468 |
| Return on assets (ROA) | 0.5759% | 4,740 |
| Pretax return on assets | 0.6151% | 5,086 |
| Return on Equity (ROE) | 6.3054% | 4,155 |
| Retained earnings to average equity (ytd only) | 3.3012% | 4,408 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5652% | 3,150 |
| Assets per employee ($millions) | 4.4347% | 3,033 |
| Cash dividends to net income (ytd only)* | 47.6440% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 2,264 |
| Loan loss allowance to noncurrent loans | 70.4953% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.4266% | 3,578 |
| Noncurrent loans to loans | 2.8180% | 2,123 |
| Net loans and leases to total assets | 49.6197% | 5,407 |
| Net loans and leases to deposits | 59.8571% | 5,251 |
| Net loans and leases to core deposits | 61.3992% | 5,445 |
| Total domestic deposits to total assets | 82.8969% | 4,793 |
| Equity capital to assets | 9.2980% | 5,321 |
| Core capital (leverage) ratio | 7.9416% | 6,329 |
| Tier 1 risk-based capital ratio | 13.7147% | 4,650 |
| Total risk-based capital ratio | 14.9709% | 4,621 |
| Memoranda: | ||
| Average total assets | $66,327,000 | 5,834 |
| Average earning assets | $62,155,670 | 5,759 |
| Average equity | $6,058,330 | 6,105 |
| Average total loans | $32,935,330 | 5,913 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2816% | 4,808 |
| Cost of funding earning assets | 0.7939% | 3,524 |
| Net interest margin | 3.4878% | 4,765 |
| Noninterest income to average assets | 0.1993% | 6,196 |
| Noninterest expense to average assets | 2.5185% | 5,089 |
| Loan and lease loss provision to assets | 0.4832% | 1,263 |
| Net operating income to assets | 0.4348% | 5,108 |
| Return on assets (ROA) | 0.4348% | 5,291 |
| Pretax return on assets | 0.4348% | 5,631 |
| Return on Equity (ROE) | 4.8040% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.8040% | 3,670 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2865% | 3,203 |
| Assets per employee ($millions) | 4.5058% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0731% | 2,164 |
| Loan loss allowance to noncurrent loans | 69.8601% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.3745% | 3,823 |
| Noncurrent loans to loans | 2.9675% | 2,180 |
| Net loans and leases to total assets | 45.3593% | 5,863 |
| Net loans and leases to deposits | 54.3593% | 5,774 |
| Net loans and leases to core deposits | 56.1083% | 5,899 |
| Total domestic deposits to total assets | 83.4436% | 4,734 |
| Equity capital to assets | 8.9100% | 5,627 |
| Core capital (leverage) ratio | 8.0768% | 6,186 |
| Tier 1 risk-based capital ratio | 14.5326% | 4,080 |
| Total risk-based capital ratio | 15.7882% | 4,031 |
| Memoranda: | ||
| Average total assets | $66,230,500 | 5,877 |
| Average earning assets | $61,472,000 | 5,826 |
| Average equity | $5,995,000 | 6,150 |
| Average total loans | $32,565,000 | 5,975 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 5,235 |
| Cost of funding earning assets | 0.9309% | 3,867 |
| Net interest margin | 3.5242% | 5,049 |
| Noninterest income to average assets | 0.3029% | 5,368 |
| Noninterest expense to average assets | 2.6550% | 4,907 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9261% | 2,501 |
| Return on assets (ROA) | 0.9292% | 2,603 |
| Pretax return on assets | 0.9718% | 3,345 |
| Return on Equity (ROE) | 10.6383% | 1,825 |
| Retained earnings to average equity (ytd only) | 4.9128% | 2,706 |
| Net charge-offs to loans | 0.0334% | 5,978 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 55.8182% | 510 |
| Efficiency ratio | 73.2695% | 3,344 |
| Assets per employee ($millions) | 4.3249% | 3,207 |
| Cash dividends to net income (ytd only)* | 53.8200% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 3,269 |
| Loan loss allowance to noncurrent loans | 94.2053% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9310% | 4,743 |
| Noncurrent loans to loans | 1.7857% | 3,488 |
| Net loans and leases to total assets | 51.2609% | 5,433 |
| Net loans and leases to deposits | 61.2837% | 5,340 |
| Net loans and leases to core deposits | 63.3248% | 5,533 |
| Total domestic deposits to total assets | 83.6452% | 4,475 |
| Equity capital to assets | 9.1994% | 5,284 |
| Core capital (leverage) ratio | 8.1035% | 6,138 |
| Tier 1 risk-based capital ratio | 13.4271% | 4,751 |
| Total risk-based capital ratio | 14.6810% | 4,717 |
| Memoranda: | ||
| Average total assets | $63,390,400 | 5,943 |
| Average earning assets | $59,730,200 | 5,872 |
| Average equity | $5,536,600 | 6,285 |
| Average total loans | $32,898,800 | 6,018 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4634% | 5,373 |
| Cost of funding earning assets | 0.9512% | 4,037 |
| Net interest margin | 3.5122% | 5,137 |
| Noninterest income to average assets | 0.2962% | 5,491 |
| Noninterest expense to average assets | 2.5536% | 5,263 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0367% | 2,187 |
| Return on assets (ROA) | 1.0367% | 2,344 |
| Pretax return on assets | 1.0705% | 3,125 |
| Return on Equity (ROE) | 12.0344% | 1,541 |
| Retained earnings to average equity (ytd only) | 6.2383% | 2,408 |
| Net charge-offs to loans | 0.0572% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 36.1355% | 827 |
| Efficiency ratio | 70.4612% | 3,865 |
| Assets per employee ($millions) | 4.1393% | 3,567 |
| Cash dividends to net income (ytd only)* | 48.1632% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7132% | 3,228 |
| Loan loss allowance to noncurrent loans | 145.8763% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 5,574 |
| Noncurrent loans to loans | 1.1744% | 4,581 |
| Net loans and leases to total assets | 52.2991% | 5,413 |
| Net loans and leases to deposits | 62.9522% | 5,296 |
| Net loans and leases to core deposits | 64.8234% | 5,539 |
| Total domestic deposits to total assets | 83.0775% | 4,647 |
| Equity capital to assets | 9.5218% | 5,048 |
| Core capital (leverage) ratio | 8.2739% | 6,014 |
| Tier 1 risk-based capital ratio | 14.0198% | 4,340 |
| Total risk-based capital ratio | 15.2736% | 4,309 |
| Memoranda: | ||
| Average total assets | $63,019,500 | 6,002 |
| Average earning assets | $59,714,500 | 5,916 |
| Average equity | $5,428,750 | 6,362 |
| Average total loans | $32,667,500 | 6,092 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 5,640 |
| Cost of funding earning assets | 0.9837% | 4,060 |
| Net interest margin | 3.4296% | 5,444 |
| Noninterest income to average assets | 0.3063% | 5,447 |
| Noninterest expense to average assets | 2.6212% | 5,111 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8937% | 2,665 |
| Return on assets (ROA) | 0.8937% | 2,773 |
| Pretax return on assets | 0.9443% | 3,459 |
| Return on Equity (ROE) | 10.7448% | 1,885 |
| Retained earnings to average equity (ytd only) | 5.1256% | 2,925 |
| Net charge-offs to loans | 0.0615% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 29.9000% | 921 |
| Efficiency ratio | 73.5164% | 3,463 |
| Assets per employee ($millions) | 4.2019% | 3,347 |
| Cash dividends to net income (ytd only)* | 52.2968% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7292% | 3,228 |
| Loan loss allowance to noncurrent loans | 7,125.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 7,086 |
| Noncurrent loans to loans | 0.0243% | 6,933 |
| Net loans and leases to total assets | 51.3938% | 5,646 |
| Net loans and leases to deposits | 61.2263% | 5,591 |
| Net loans and leases to core deposits | 63.8185% | 5,742 |
| Total domestic deposits to total assets | 83.9407% | 4,373 |
| Equity capital to assets | 8.8340% | 5,775 |
| Core capital (leverage) ratio | 7.8023% | 6,509 |
| Tier 1 risk-based capital ratio | 13.5111% | 4,518 |
| Total risk-based capital ratio | 14.7642% | 4,498 |
| Memoranda: | ||
| Average total assets | $63,329,670 | 6,035 |
| Average earning assets | $60,181,330 | 5,952 |
| Average equity | $5,267,670 | 6,443 |
| Average total loans | $32,544,000 | 6,160 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 5,974 |
| Cost of funding earning assets | 0.9831% | 4,324 |
| Net interest margin | 3.3321% | 5,668 |
| Noninterest income to average assets | 0.3088% | 5,456 |
| Noninterest expense to average assets | 2.5520% | 5,380 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9389% | 2,407 |
| Return on assets (ROA) | 0.9389% | 2,469 |
| Pretax return on assets | 0.9389% | 3,367 |
| Return on Equity (ROE) | 11.6463% | 1,562 |
| Retained earnings to average equity (ytd only) | 10.3957% | 1,024 |
| Net charge-offs to loans | 0.0619% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 29.8000% | 834 |
| Efficiency ratio | 73.1047% | 3,659 |
| Assets per employee ($millions) | 4.3375% | 3,162 |
| Cash dividends to net income (ytd only)* | 10.7383% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8084% | 2,986 |
| Loan loss allowance to noncurrent loans | 958.3333% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 6,932 |
| Noncurrent loans to loans | 0.1887% | 6,591 |
| Net loans and leases to total assets | 47.9858% | 6,078 |
| Net loans and leases to deposits | 56.4912% | 6,087 |
| Net loans and leases to core deposits | 60.1294% | 6,085 |
| Total domestic deposits to total assets | 84.9438% | 4,053 |
| Equity capital to assets | 8.0906% | 6,398 |
| Core capital (leverage) ratio | 7.7260% | 6,534 |
| Tier 1 risk-based capital ratio | 14.1841% | 3,945 |
| Total risk-based capital ratio | 15.4380% | 3,914 |
| Memoranda: | ||
| Average total assets | $63,480,000 | 6,079 |
| Average earning assets | $60,623,000 | 5,975 |
| Average equity | $5,117,500 | 6,512 |
| Average total loans | $32,334,500 | 6,219 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 6,320 |
| Cost of funding earning assets | 1.1698% | 4,731 |
| Net interest margin | 3.3580% | 5,766 |
| Noninterest income to average assets | 0.3504% | 5,298 |
| Noninterest expense to average assets | 2.4224% | 6,041 |
| Loan and lease loss provision to assets | 0.1213% | 5,946 |
| Net operating income to assets | 0.9256% | 2,292 |
| Return on assets (ROA) | 0.9314% | 2,401 |
| Pretax return on assets | 0.9784% | 3,003 |
| Return on Equity (ROE) | 12.6395% | 1,182 |
| Retained earnings to average equity (ytd only) | 5.8874% | 1,891 |
| Net charge-offs to loans | 0.0508% | 6,285 |
| Credit loss provision to net charge-offs | 470.5882% | 487 |
| Earnings coverage of net charge-offs (x) | 42.4118% | 550 |
| Efficiency ratio | 68.8956% | 4,389 |
| Assets per employee ($millions) | 4.1265% | 3,519 |
| Cash dividends to net income (ytd only)* | 53.4202% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7644% | 2,978 |
| Loan loss allowance to noncurrent loans | 2,761.9048% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 7,154 |
| Noncurrent loans to loans | 0.0639% | 6,962 |
| Net loans and leases to total assets | 52.1722% | 5,886 |
| Net loans and leases to deposits | 61.5867% | 5,886 |
| Net loans and leases to core deposits | 67.4964% | 5,713 |
| Total domestic deposits to total assets | 84.7133% | 3,994 |
| Equity capital to assets | 8.0311% | 6,466 |
| Core capital (leverage) ratio | 7.6624% | 6,573 |
| Tier 1 risk-based capital ratio | 13.6599% | 4,088 |
| Total risk-based capital ratio | 14.9143% | 4,061 |
| Memoranda: | ||
| Average total assets | $65,925,600 | 6,004 |
| Average earning assets | $62,149,200 | 5,914 |
| Average equity | $4,857,800 | 6,710 |
| Average total loans | $33,440,000 | 6,239 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5238% | 6,550 |
| Cost of funding earning assets | 1.1966% | 4,885 |
| Net interest margin | 3.3272% | 5,933 |
| Noninterest income to average assets | 0.3586% | 5,299 |
| Noninterest expense to average assets | 2.3366% | 6,214 |
| Loan and lease loss provision to assets | 0.1394% | 5,636 |
| Net operating income to assets | 1.0040% | 2,221 |
| Return on assets (ROA) | 1.0099% | 2,322 |
| Pretax return on assets | 1.0179% | 3,120 |
| Return on Equity (ROE) | 13.9969% | 1,039 |
| Retained earnings to average equity (ytd only) | 7.0399% | 1,825 |
| Net charge-offs to loans | 0.0675% | 5,836 |
| Credit loss provision to net charge-offs | 411.7647% | 728 |
| Earnings coverage of net charge-offs (x) | 33.9943% | 788 |
| Efficiency ratio | 66.9903% | 4,652 |
| Assets per employee ($millions) | 4.1075% | 3,631 |
| Cash dividends to net income (ytd only)* | 49.7041% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 3,376 |
| Loan loss allowance to noncurrent loans | 248.9083% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 6,477 |
| Noncurrent loans to loans | 0.6583% | 5,888 |
| Net loans and leases to total assets | 55.5321% | 5,617 |
| Net loans and leases to deposits | 66.0088% | 5,667 |
| Net loans and leases to core deposits | 75.3054% | 5,147 |
| Total domestic deposits to total assets | 84.1283% | 4,045 |
| Equity capital to assets | 8.4008% | 6,394 |
| Core capital (leverage) ratio | 7.5563% | 6,809 |
| Tier 1 risk-based capital ratio | 12.5058% | 4,978 |
| Total risk-based capital ratio | 13.7589% | 4,948 |
| Memoranda: | ||
| Average total assets | $66,932,750 | 6,026 |
| Average earning assets | $62,953,750 | 5,958 |
| Average equity | $4,829,500 | 6,803 |
| Average total loans | $33,581,750 | 6,314 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 6,869 |
| Cost of funding earning assets | 1.2122% | 5,060 |
| Net interest margin | 3.2026% | 6,312 |
| Noninterest income to average assets | 0.3202% | 5,599 |
| Noninterest expense to average assets | 2.2152% | 6,613 |
| Loan and lease loss provision to assets | 0.1164% | 5,735 |
| Net operating income to assets | 0.9897% | 2,240 |
| Return on assets (ROA) | 0.9897% | 2,316 |
| Pretax return on assets | 0.9955% | 3,135 |
| Return on Equity (ROE) | 14.4251% | 952 |
| Retained earnings to average equity (ytd only) | 7.1277% | 1,782 |
| Net charge-offs to loans | 0.1025% | 5,125 |
| Credit loss provision to net charge-offs | 235.2941% | 1,639 |
| Earnings coverage of net charge-offs (x) | 22.4706% | 1,131 |
| Efficiency ratio | 66.5792% | 4,868 |
| Assets per employee ($millions) | 4.5999% | 2,728 |
| Cash dividends to net income (ytd only)* | 50.5882% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 3,360 |
| Loan loss allowance to noncurrent loans | 327.2727% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 6,798 |
| Noncurrent loans to loans | 0.4956% | 6,255 |
| Net loans and leases to total assets | 47.4666% | 6,662 |
| Net loans and leases to deposits | 54.9809% | 6,794 |
| Net loans and leases to core deposits | 64.2189% | 6,385 |
| Total domestic deposits to total assets | 86.3329% | 2,913 |
| Equity capital to assets | 7.0364% | 7,335 |
| Core capital (leverage) ratio | 7.0431% | 7,161 |
| Tier 1 risk-based capital ratio | 12.5636% | 4,800 |
| Total risk-based capital ratio | 13.8165% | 4,779 |
| Memoranda: | ||
| Average total assets | $68,706,000 | 6,012 |
| Average earning assets | $64,510,000 | 5,946 |
| Average equity | $4,714,000 | 6,874 |
| Average total loans | $33,180,670 | 6,373 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 6,838 |
| Cost of funding earning assets | 1.2158% | 5,309 |
| Net interest margin | 3.2588% | 6,101 |
| Noninterest income to average assets | 0.2567% | 6,096 |
| Noninterest expense to average assets | 2.2462% | 6,559 |
| Loan and lease loss provision to assets | 0.0583% | 6,064 |
| Net operating income to assets | 0.9860% | 2,237 |
| Return on assets (ROA) | 0.9860% | 2,297 |
| Pretax return on assets | 0.9860% | 3,143 |
| Return on Equity (ROE) | 14.5580% | 950 |
| Retained earnings to average equity (ytd only) | 12.1460% | 724 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2624% | 4,670 |
| Assets per employee ($millions) | 4.4057% | 3,116 |
| Cash dividends to net income (ytd only)* | 16.5680% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 3,243 |
| Loan loss allowance to noncurrent loans | 421.6000% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 6,999 |
| Noncurrent loans to loans | 0.3918% | 6,496 |
| Net loans and leases to total assets | 47.4752% | 6,718 |
| Net loans and leases to deposits | 55.2680% | 6,827 |
| Net loans and leases to core deposits | 59.3541% | 6,793 |
| Total domestic deposits to total assets | 85.9000% | 3,210 |
| Equity capital to assets | 7.1983% | 7,284 |
| Core capital (leverage) ratio | 7.0633% | 7,210 |
| Tier 1 risk-based capital ratio | 13.2828% | 4,139 |
| Total risk-based capital ratio | 14.5342% | 4,087 |
| Memoranda: | ||
| Average total assets | $68,560,000 | 6,087 |
| Average earning assets | $63,827,500 | 6,034 |
| Average equity | $4,643,500 | 6,962 |
| Average total loans | $33,125,500 | 6,458 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9896% | 6,467 |
| Cost of funding earning assets | 1.7757% | 4,125 |
| Net interest margin | 3.2139% | 6,041 |
| Noninterest income to average assets | 0.2699% | 6,190 |
| Noninterest expense to average assets | 2.4439% | 6,325 |
| Loan and lease loss provision to assets | 0.7070% | 2,996 |
| Net operating income to assets | 0.0852% | 5,256 |
| Return on assets (ROA) | 0.0852% | 5,295 |
| Pretax return on assets | 0.0884% | 5,247 |
| Return on Equity (ROE) | 1.2205% | 5,161 |
| Retained earnings to average equity (ytd only) | 0.9211% | 4,378 |
| Net charge-offs to loans | 1.1821% | 2,075 |
| Credit loss provision to net charge-offs | 104.7619% | 5,279 |
| Earnings coverage of net charge-offs (x) | 1.1786% | 4,946 |
| Efficiency ratio | 75.4464% | 3,626 |
| Assets per employee ($millions) | 4.7357% | 2,563 |
| Cash dividends to net income (ytd only)* | 24.5283% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 3,698 |
| Loan loss allowance to noncurrent loans | 478.7037% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 7,096 |
| Noncurrent loans to loans | 0.3144% | 6,653 |
| Net loans and leases to total assets | 47.6286% | 6,835 |
| Net loans and leases to deposits | 54.7725% | 6,999 |
| Net loans and leases to core deposits | 62.5252% | 7,170 |
| Total domestic deposits to total assets | 86.9571% | 2,539 |
| Equity capital to assets | 6.3771% | 7,591 |
| Core capital (leverage) ratio | 7.2694% | 7,012 |
| Tier 1 risk-based capital ratio | 11.9106% | 5,021 |
| Total risk-based capital ratio | 13.1622% | 4,976 |
| Memoranda: | ||
| Average total assets | $62,237,200 | 6,264 |
| Average earning assets | $57,499,600 | 6,233 |
| Average equity | $4,342,600 | 7,164 |
| Average total loans | $35,531,400 | 6,331 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1476% | 6,118 |
| Cost of funding earning assets | 1.9493% | 3,622 |
| Net interest margin | 3.1983% | 6,028 |
| Noninterest income to average assets | 0.2643% | 6,337 |
| Noninterest expense to average assets | 2.5295% | 5,980 |
| Loan and lease loss provision to assets | 0.9771% | 1,960 |
| Net operating income to assets | -0.2909% | 6,187 |
| Return on assets (ROA) | -0.2909% | 6,203 |
| Pretax return on assets | -0.2909% | 6,091 |
| Return on Equity (ROE) | -4.0659% | 6,347 |
| Retained earnings to average equity (ytd only) | -4.4695% | 6,183 |
| Net charge-offs to loans | 1.6300% | 1,251 |
| Credit loss provision to net charge-offs | 100.4566% | 5,053 |
| Earnings coverage of net charge-offs (x) | 0.7055% | 5,333 |
| Efficiency ratio | 78.6602% | 3,056 |
| Assets per employee ($millions) | 4.1268% | 3,517 |
| Cash dividends to net income (ytd only)* | -9.9221% | 7,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 3,737 |
| Loan loss allowance to noncurrent loans | 380.9160% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 6,993 |
| Noncurrent loans to loans | 0.3781% | 6,592 |
| Net loans and leases to total assets | 55.1695% | 6,250 |
| Net loans and leases to deposits | 64.7842% | 6,417 |
| Net loans and leases to core deposits | 72.7701% | 6,794 |
| Total domestic deposits to total assets | 85.1588% | 3,147 |
| Equity capital to assets | 7.0256% | 7,587 |
| Core capital (leverage) ratio | 7.0774% | 7,376 |
| Tier 1 risk-based capital ratio | 11.5438% | 5,391 |
| Total risk-based capital ratio | 12.7941% | 5,338 |
| Memoranda: | ||
| Average total assets | $60,037,750 | 6,389 |
| Average earning assets | $55,403,000 | 6,363 |
| Average equity | $4,295,750 | 7,248 |
| Average total loans | $35,826,750 | 6,360 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1945% | 6,095 |
| Cost of funding earning assets | 2.0284% | 3,638 |
| Net interest margin | 3.1661% | 6,038 |
| Noninterest income to average assets | 0.2626% | 6,393 |
| Noninterest expense to average assets | 2.4572% | 6,271 |
| Loan and lease loss provision to assets | 1.4474% | 1,199 |
| Net operating income to assets | -0.7102% | 6,760 |
| Return on assets (ROA) | -0.7102% | 6,763 |
| Pretax return on assets | -0.7102% | 6,612 |
| Return on Equity (ROE) | -9.8644% | 7,021 |
| Retained earnings to average equity (ytd only) | -10.4722% | 6,924 |
| Net charge-offs to loans | 2.4186% | 734 |
| Credit loss provision to net charge-offs | 98.1735% | 4,673 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 5,198 |
| Efficiency ratio | 76.9231% | 3,520 |
| Assets per employee ($millions) | 4.1205% | 3,451 |
| Cash dividends to net income (ytd only)* | -6.1611% | 7,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 3,697 |
| Loan loss allowance to noncurrent loans | 400.8197% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 7,029 |
| Noncurrent loans to loans | 0.3504% | 6,636 |
| Net loans and leases to total assets | 55.5358% | 6,269 |
| Net loans and leases to deposits | 64.9590% | 6,477 |
| Net loans and leases to core deposits | 72.8970% | 6,849 |
| Total domestic deposits to total assets | 85.4936% | 3,017 |
| Equity capital to assets | 6.5931% | 7,791 |
| Core capital (leverage) ratio | 7.0164% | 7,526 |
| Tier 1 risk-based capital ratio | 11.3594% | 5,545 |
| Total risk-based capital ratio | 12.6097% | 5,447 |
| Memoranda: | ||
| Average total assets | $59,416,330 | 6,468 |
| Average earning assets | $55,019,670 | 6,427 |
| Average equity | $4,278,000 | 7,314 |
| Average total loans | $36,219,000 | 6,391 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5531% | 4,623 |
| Cost of funding earning assets | 2.0589% | 3,831 |
| Net interest margin | 3.4942% | 4,758 |
| Noninterest income to average assets | 0.2336% | 6,596 |
| Noninterest expense to average assets | 2.4390% | 6,062 |
| Loan and lease loss provision to assets | 0.6870% | 1,840 |
| Net operating income to assets | 0.3023% | 5,290 |
| Return on assets (ROA) | 0.3023% | 5,463 |
| Pretax return on assets | 0.3023% | 5,675 |
| Return on Equity (ROE) | 4.0187% | 4,929 |
| Retained earnings to average equity (ytd only) | 2.8314% | 4,299 |
| Net charge-offs to loans | -0.0108% | 7,290 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1423% | 4,336 |
| Assets per employee ($millions) | 3.9005% | 3,872 |
| Cash dividends to net income (ytd only)* | 29.5455% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6685% | 2,248 |
| Loan loss allowance to noncurrent loans | 101.8739% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.0033% | 4,689 |
| Noncurrent loans to loans | 1.6378% | 3,817 |
| Net loans and leases to total assets | 60.2362% | 5,616 |
| Net loans and leases to deposits | 71.5608% | 5,802 |
| Net loans and leases to core deposits | 79.4065% | 6,431 |
| Total domestic deposits to total assets | 84.1748% | 3,622 |
| Equity capital to assets | 7.5955% | 7,268 |
| Core capital (leverage) ratio | 7.9675% | 6,518 |
| Tier 1 risk-based capital ratio | 11.9181% | 5,028 |
| Total risk-based capital ratio | 13.1729% | 4,933 |
| Memoranda: | ||
| Average total assets | $58,221,000 | 6,535 |
| Average earning assets | $53,231,500 | 6,534 |
| Average equity | $4,379,500 | 7,326 |
| Average total loans | $36,921,500 | 6,382 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4471% | 3,198 |
| Cost of funding earning assets | 2.4948% | 4,235 |
| Net interest margin | 3.9523% | 3,350 |
| Noninterest income to average assets | 0.4318% | 5,197 |
| Noninterest expense to average assets | 2.7045% | 5,247 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2881% | 1,514 |
| Return on assets (ROA) | 1.2916% | 1,460 |
| Pretax return on assets | 1.3431% | 2,158 |
| Return on Equity (ROE) | 16.3824% | 713 |
| Retained earnings to average equity (ytd only) | 8.2261% | 773 |
| Net charge-offs to loans | 0.2874% | 3,482 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 7.0096% | 3,214 |
| Efficiency ratio | 66.8787% | 4,928 |
| Assets per employee ($millions) | 3.8623% | 3,829 |
| Cash dividends to net income (ytd only)* | 49.7866% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 3,723 |
| Loan loss allowance to noncurrent loans | 497.0000% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 6,874 |
| Noncurrent loans to loans | 0.2631% | 6,588 |
| Net loans and leases to total assets | 64.7375% | 5,120 |
| Net loans and leases to deposits | 76.7806% | 5,498 |
| Net loans and leases to core deposits | 82.2099% | 6,442 |
| Total domestic deposits to total assets | 84.3149% | 3,169 |
| Equity capital to assets | 7.4481% | 7,427 |
| Core capital (leverage) ratio | 7.9057% | 6,646 |
| Tier 1 risk-based capital ratio | 11.3096% | 5,431 |
| Total risk-based capital ratio | 12.5361% | 5,343 |
| Memoranda: | ||
| Average total assets | $54,427,000 | 6,606 |
| Average earning assets | $49,743,400 | 6,601 |
| Average equity | $4,291,200 | 7,393 |
| Average total loans | $36,189,800 | 6,354 |