Home > Mainstreet Bank > Performance and Condition Ratios
Mainstreet Bank, Performance and Condition Ratios
| 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 | 4.7188% | 520 |
| Cost of funding earning assets | 0.4060% | 1,838 |
| Net interest margin | 4.3128% | 484 |
| Noninterest income to average assets | 0.2645% | 3,814 |
| Noninterest expense to average assets | 3.1989% | 723 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6640% | 3,847 |
| Return on assets (ROA) | 0.8129% | 3,543 |
| Pretax return on assets | 0.9101% | 3,640 |
| Return on Equity (ROE) | 8.7643% | 3,174 |
| Retained earnings to average equity (ytd only) | -21.6382% | 4,914 |
| Net charge-offs to loans | 2.7786% | 18 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 0.4548% | 2,190 |
| Efficiency ratio | 79.9704% | 783 |
| Assets per employee ($millions) | 4.7936% | 3,844 |
| Cash dividends to net income (ytd only)* | 346.8900% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,901 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 2,332 |
| Noncurrent loans to loans | 0.5841% | 1,941 |
| Net loans and leases to total assets | 54.2196% | 3,107 |
| Net loans and leases to deposits | 60.4446% | 3,352 |
| Net loans and leases to core deposits | 63.8027% | 3,306 |
| Total domestic deposits to total assets | 89.7013% | 924 |
| Equity capital to assets | 8.4174% | 4,265 |
| Core capital (leverage) ratio | 8.2358% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,848,000 | 4,042 |
| Average earning assets | $87,692,667 | 4,116 |
| Average equity | $9,538,667 | 4,256 |
| Average total loans | $60,462,333 | 3,891 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 713 |
| Cost of funding earning assets | 0.4755% | 1,553 |
| Net interest margin | 4.0849% | 736 |
| Noninterest income to average assets | 0.2600% | 3,841 |
| Noninterest expense to average assets | 2.9387% | 1,092 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7760% | 3,497 |
| Return on assets (ROA) | 0.7760% | 3,567 |
| Pretax return on assets | 0.8745% | 3,660 |
| Return on Equity (ROE) | 7.9842% | 3,327 |
| Retained earnings to average equity (ytd only) | -10.2538% | 4,818 |
| Net charge-offs to loans | 0.3349% | 253 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 4.2692% | 1,737 |
| Efficiency ratio | 75.8264% | 1,151 |
| Assets per employee ($millions) | 4.4649% | 4,134 |
| Cash dividends to net income (ytd only)* | 228.4264% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,321 |
| Loan loss allowance to noncurrent loans | 100.1271% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7664% | 1,191 |
| Noncurrent loans to loans | 1.3233% | 983 |
| Net loans and leases to total assets | 57.1470% | 2,891 |
| Net loans and leases to deposits | 64.4377% | 3,088 |
| Net loans and leases to core deposits | 67.9850% | 3,063 |
| Total domestic deposits to total assets | 88.6857% | 1,515 |
| Equity capital to assets | 9.3288% | 3,356 |
| Core capital (leverage) ratio | 9.1177% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,542,000 | 4,054 |
| Average earning assets | $88,325,500 | 4,120 |
| Average equity | $9,869,500 | 4,226 |
| Average total loans | $62,103,500 | 3,878 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4561% | 1,425 |
| Cost of funding earning assets | 0.6485% | 2,000 |
| Net interest margin | 3.8075% | 1,477 |
| Noninterest income to average assets | 0.3578% | 3,327 |
| Noninterest expense to average assets | 3.2140% | 1,034 |
| Loan and lease loss provision to assets | 0.0927% | 3,190 |
| Net operating income to assets | 0.4779% | 4,078 |
| Return on assets (ROA) | 0.5442% | 4,016 |
| Pretax return on assets | 0.6107% | 4,053 |
| Return on Equity (ROE) | 5.2434% | 3,835 |
| Retained earnings to average equity (ytd only) | -1.6022% | 4,675 |
| Net charge-offs to loans | -0.0045% | 4,104 |
| Credit loss provision to net charge-offs | -3,066.6667% | 4,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3499% | 727 |
| Assets per employee ($millions) | 3.5854% | 4,617 |
| Cash dividends to net income (ytd only)* | 130.5556% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,424 |
| Loan loss allowance to noncurrent loans | 103.9604% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8049% | 1,268 |
| Noncurrent loans to loans | 1.2482% | 1,100 |
| Net loans and leases to total assets | 63.6442% | 2,410 |
| Net loans and leases to deposits | 73.4166% | 2,546 |
| Net loans and leases to core deposits | 78.5090% | 2,510 |
| Total domestic deposits to total assets | 86.6890% | 2,080 |
| Equity capital to assets | 10.1194% | 3,009 |
| Core capital (leverage) ratio | 9.6480% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,223,400 | 4,009 |
| Average earning assets | $90,819,600 | 4,015 |
| Average equity | $10,298,600 | 4,167 |
| Average total loans | $66,503,000 | 3,801 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 1,691 |
| Cost of funding earning assets | 0.6745% | 2,172 |
| Net interest margin | 3.7798% | 1,681 |
| Noninterest income to average assets | 0.3585% | 3,317 |
| Noninterest expense to average assets | 3.1442% | 1,163 |
| Loan and lease loss provision to assets | 0.1243% | 2,782 |
| Net operating income to assets | 0.5159% | 3,989 |
| Return on assets (ROA) | 0.6011% | 3,863 |
| Pretax return on assets | 0.6752% | 3,954 |
| Return on Equity (ROE) | 5.7546% | 3,637 |
| Retained earnings to average equity (ytd only) | 5.7546% | 2,206 |
| Net charge-offs to loans | -0.0040% | 4,003 |
| Credit loss provision to net charge-offs | -4,600.0000% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7163% | 744 |
| Assets per employee ($millions) | 3.3526% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 2,315 |
| Loan loss allowance to noncurrent loans | 81.6943% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.0211% | 1,074 |
| Noncurrent loans to loans | 1.5507% | 914 |
| Net loans and leases to total assets | 65.0132% | 2,639 |
| Net loans and leases to deposits | 76.2687% | 2,725 |
| Net loans and leases to core deposits | 82.1501% | 2,653 |
| Total domestic deposits to total assets | 85.2423% | 2,339 |
| Equity capital to assets | 10.6723% | 2,648 |
| Core capital (leverage) ratio | 10.0114% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3926% | 1,697 |
| Memoranda: | ||
| Average total assets | $98,931,500 | 4,006 |
| Average earning assets | $91,324,250 | 4,005 |
| Average equity | $10,333,500 | 4,180 |
| Average total loans | $66,945,500 | 3,812 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 1,570 |
| Cost of funding earning assets | 0.6970% | 2,401 |
| Net interest margin | 3.9415% | 1,463 |
| Noninterest income to average assets | 0.3314% | 3,484 |
| Noninterest expense to average assets | 3.1184% | 1,315 |
| Loan and lease loss provision to assets | 0.1809% | 2,216 |
| Net operating income to assets | 0.6016% | 3,732 |
| Return on assets (ROA) | 0.7034% | 3,490 |
| Pretax return on assets | 0.7766% | 3,656 |
| Return on Equity (ROE) | 6.7843% | 3,213 |
| Retained earnings to average equity (ytd only) | 6.7843% | 1,749 |
| Net charge-offs to loans | -0.0060% | 4,061 |
| Credit loss provision to net charge-offs | -4,400.0000% | 4,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6667% | 989 |
| Assets per employee ($millions) | 3.2371% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 2,468 |
| Loan loss allowance to noncurrent loans | 549.3421% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 3,789 |
| Noncurrent loans to loans | 0.2201% | 3,591 |
| Net loans and leases to total assets | 65.8477% | 2,651 |
| Net loans and leases to deposits | 77.0358% | 2,756 |
| Net loans and leases to core deposits | 87.1113% | 2,340 |
| Total domestic deposits to total assets | 85.4768% | 2,216 |
| Equity capital to assets | 10.2108% | 3,005 |
| Core capital (leverage) ratio | 10.2462% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5670% | 1,973 |
| Memoranda: | ||
| Average total assets | $98,382,667 | 4,015 |
| Average earning assets | $90,676,333 | 4,016 |
| Average equity | $10,200,000 | 4,198 |
| Average total loans | $67,184,667 | 3,809 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 1,939 |
| Cost of funding earning assets | 0.7202% | 2,836 |
| Net interest margin | 3.9019% | 1,668 |
| Noninterest income to average assets | 0.4009% | 3,091 |
| Noninterest expense to average assets | 3.2533% | 1,310 |
| Loan and lease loss provision to assets | 0.3299% | 937 |
| Net operating income to assets | 0.3585% | 4,220 |
| Return on assets (ROA) | 0.6055% | 3,640 |
| Pretax return on assets | 0.6640% | 3,785 |
| Return on Equity (ROE) | 5.7933% | 3,393 |
| Retained earnings to average equity (ytd only) | 5.7933% | 1,958 |
| Net charge-offs to loans | -0.0060% | 3,914 |
| Credit loss provision to net charge-offs | -7,900.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8277% | 983 |
| Assets per employee ($millions) | 2.9837% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 2,467 |
| Loan loss allowance to noncurrent loans | 137.2712% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6295% | 2,113 |
| Noncurrent loans to loans | 0.9012% | 1,811 |
| Net loans and leases to total assets | 68.9806% | 2,399 |
| Net loans and leases to deposits | 80.1319% | 2,661 |
| Net loans and leases to core deposits | 89.0027% | 2,443 |
| Total domestic deposits to total assets | 86.0839% | 1,969 |
| Equity capital to assets | 10.2787% | 3,538 |
| Core capital (leverage) ratio | 10.3984% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2087% | 1,843 |
| Memoranda: | ||
| Average total assets | $95,781,000 | 4,048 |
| Average earning assets | $87,752,000 | 4,057 |
| Average equity | $10,011,500 | 4,242 |
| Average total loans | $66,255,000 | 3,838 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7617% | 2,160 |
| Cost of funding earning assets | 0.7611% | 2,865 |
| Net interest margin | 4.0006% | 1,859 |
| Noninterest income to average assets | 0.3557% | 3,572 |
| Noninterest expense to average assets | 3.4189% | 1,079 |
| Loan and lease loss provision to assets | 0.0837% | 2,332 |
| Net operating income to assets | 0.5397% | 4,310 |
| Return on assets (ROA) | 0.5608% | 4,318 |
| Pretax return on assets | 0.5869% | 4,431 |
| Return on Equity (ROE) | 5.2829% | 4,136 |
| Retained earnings to average equity (ytd only) | 1.0152% | 4,378 |
| Net charge-offs to loans | 0.0298% | 2,804 |
| Credit loss provision to net charge-offs | 421.0526% | 679 |
| Earnings coverage of net charge-offs (x) | 32.6316% | 1,496 |
| Efficiency ratio | 84.0535% | 653 |
| Assets per employee ($millions) | 3.0026% | 4,827 |
| Cash dividends to net income (ytd only)* | 80.7836% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 2,778 |
| Loan loss allowance to noncurrent loans | 2,069.4444% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 4,455 |
| Noncurrent loans to loans | 0.0547% | 4,328 |
| Net loans and leases to total assets | 67.7310% | 2,718 |
| Net loans and leases to deposits | 77.1469% | 3,080 |
| Net loans and leases to core deposits | 85.4311% | 2,832 |
| Total domestic deposits to total assets | 87.7949% | 1,231 |
| Equity capital to assets | 10.6252% | 3,332 |
| Core capital (leverage) ratio | 10.3978% | 3,073 |
| Tier 1 risk-based capital ratio | 14.0246% | 3,260 |
| Total risk-based capital ratio | 15.0867% | 3,256 |
| Memoranda: | ||
| Average total assets | $95,585,200 | 4,066 |
| Average earning assets | $88,687,400 | 4,061 |
| Average equity | $10,146,000 | 4,219 |
| Average total loans | $63,716,400 | 3,914 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7424% | 2,290 |
| Cost of funding earning assets | 0.7636% | 2,901 |
| Net interest margin | 3.9788% | 2,020 |
| Noninterest income to average assets | 0.3450% | 3,663 |
| Noninterest expense to average assets | 3.3968% | 1,098 |
| Loan and lease loss provision to assets | 0.0559% | 2,791 |
| Net operating income to assets | 0.5815% | 4,338 |
| Return on assets (ROA) | 0.6062% | 4,335 |
| Pretax return on assets | 0.6215% | 4,503 |
| Return on Equity (ROE) | 5.7121% | 4,125 |
| Retained earnings to average equity (ytd only) | 2.9482% | 3,908 |
| Net charge-offs to loans | 0.0401% | 2,295 |
| Credit loss provision to net charge-offs | 210.5263% | 1,254 |
| Earnings coverage of net charge-offs (x) | 24.5815% | 1,793 |
| Efficiency ratio | 83.8910% | 619 |
| Assets per employee ($millions) | 2.9518% | 4,915 |
| Cash dividends to net income (ytd only)* | 48.3868% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 2,948 |
| Loan loss allowance to noncurrent loans | 2,517.8571% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 4,586 |
| Noncurrent loans to loans | 0.0443% | 4,452 |
| Net loans and leases to total assets | 66.1642% | 3,027 |
| Net loans and leases to deposits | 75.5829% | 3,338 |
| Net loans and leases to core deposits | 84.9978% | 2,994 |
| Total domestic deposits to total assets | 87.5385% | 1,240 |
| Equity capital to assets | 10.9063% | 3,189 |
| Core capital (leverage) ratio | 10.5760% | 3,032 |
| Tier 1 risk-based capital ratio | 14.9211% | 2,888 |
| Total risk-based capital ratio | 15.9786% | 2,906 |
| Memoranda: | ||
| Average total assets | $95,460,750 | 4,112 |
| Average earning assets | $88,869,750 | 4,112 |
| Average equity | $10,130,250 | 4,267 |
| Average total loans | $63,189,750 | 3,967 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 2,586 |
| Cost of funding earning assets | 0.7428% | 2,932 |
| Net interest margin | 3.8861% | 2,281 |
| Noninterest income to average assets | 0.3466% | 3,617 |
| Noninterest expense to average assets | 3.4156% | 1,077 |
| Loan and lease loss provision to assets | 0.0564% | 2,696 |
| Net operating income to assets | 0.5011% | 4,525 |
| Return on assets (ROA) | 0.5282% | 4,493 |
| Pretax return on assets | 0.5282% | 4,657 |
| Return on Equity (ROE) | 5.0233% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.0233% | 2,762 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9695% | 551 |
| Assets per employee ($millions) | 2.9207% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 3,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 67.2511% | 2,931 |
| Net loans and leases to deposits | 79.1090% | 3,047 |
| Net loans and leases to core deposits | 87.8186% | 2,814 |
| Total domestic deposits to total assets | 85.0107% | 2,473 |
| Equity capital to assets | 10.6182% | 3,416 |
| Core capital (leverage) ratio | 10.5134% | 3,073 |
| Tier 1 risk-based capital ratio | 14.9271% | 2,878 |
| Total risk-based capital ratio | 15.9923% | 2,872 |
| Memoranda: | ||
| Average total assets | $95,794,670 | 4,130 |
| Average earning assets | $89,394,670 | 4,128 |
| Average equity | $10,073,000 | 4,292 |
| Average total loans | $63,185,330 | 3,991 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5623% | 2,658 |
| Cost of funding earning assets | 0.7334% | 2,869 |
| Net interest margin | 3.8289% | 2,422 |
| Noninterest income to average assets | 0.3476% | 3,534 |
| Noninterest expense to average assets | 3.4429% | 1,049 |
| Loan and lease loss provision to assets | 0.0838% | 2,027 |
| Net operating income to assets | 0.4188% | 4,686 |
| Return on assets (ROA) | 0.4188% | 4,700 |
| Pretax return on assets | 0.3853% | 4,857 |
| Return on Equity (ROE) | 4.0030% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.0030% | 3,314 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0086% | 482 |
| Assets per employee ($millions) | 2.8493% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 63.3942% | 3,361 |
| Net loans and leases to deposits | 72.6481% | 3,556 |
| Net loans and leases to core deposits | 80.9867% | 3,274 |
| Total domestic deposits to total assets | 87.2620% | 1,680 |
| Equity capital to assets | 10.6981% | 3,163 |
| Core capital (leverage) ratio | 10.2890% | 3,288 |
| Tier 1 risk-based capital ratio | 15.3320% | 2,737 |
| Total risk-based capital ratio | 16.4335% | 2,712 |
| Memoranda: | ||
| Average total assets | $95,501,000 | 4,176 |
| Average earning assets | $88,902,000 | 4,166 |
| Average equity | $9,992,500 | 4,332 |
| Average total loans | $62,013,500 | 4,048 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6420% | 2,011 |
| Cost of funding earning assets | 0.6238% | 2,560 |
| Net interest margin | 4.0182% | 1,929 |
| Noninterest income to average assets | 0.3670% | 3,645 |
| Noninterest expense to average assets | 3.4506% | 1,068 |
| Loan and lease loss provision to assets | 0.1101% | 1,996 |
| Net operating income to assets | 0.5924% | 4,436 |
| Return on assets (ROA) | 0.6039% | 4,414 |
| Pretax return on assets | 0.5934% | 4,642 |
| Return on Equity (ROE) | 5.7358% | 4,256 |
| Retained earnings to average equity (ytd only) | -0.2390% | 5,014 |
| Net charge-offs to loans | 0.2322% | 841 |
| Credit loss provision to net charge-offs | 73.9437% | 2,941 |
| Earnings coverage of net charge-offs (x) | 4.6479% | 3,270 |
| Efficiency ratio | 83.2954% | 693 |
| Assets per employee ($millions) | 3.0305% | 4,976 |
| Cash dividends to net income (ytd only)* | 104.1667% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,251 |
| Loan loss allowance to noncurrent loans | 104.1096% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 2,031 |
| Noncurrent loans to loans | 1.0311% | 1,593 |
| Net loans and leases to total assets | 64.9975% | 3,255 |
| Net loans and leases to deposits | 77.6725% | 3,205 |
| Net loans and leases to core deposits | 87.0067% | 2,839 |
| Total domestic deposits to total assets | 83.6815% | 3,089 |
| Equity capital to assets | 10.2355% | 3,435 |
| Core capital (leverage) ratio | 9.9582% | 3,633 |
| Tier 1 risk-based capital ratio | 14.3628% | 3,135 |
| Total risk-based capital ratio | 15.3771% | 3,166 |
| Memoranda: | ||
| Average total assets | $95,375,800 | 4,179 |
| Average earning assets | $89,616,200 | 4,148 |
| Average equity | $10,042,200 | 4,289 |
| Average total loans | $61,158,000 | 4,068 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 2,058 |
| Cost of funding earning assets | 0.5728% | 2,683 |
| Net interest margin | 4.0018% | 1,948 |
| Noninterest income to average assets | 0.3468% | 3,820 |
| Noninterest expense to average assets | 3.3032% | 1,295 |
| Loan and lease loss provision to assets | 0.1123% | 1,804 |
| Net operating income to assets | 0.6730% | 4,310 |
| Return on assets (ROA) | 0.6865% | 4,278 |
| Pretax return on assets | 0.7117% | 4,503 |
| Return on Equity (ROE) | 6.4737% | 4,114 |
| Retained earnings to average equity (ytd only) | -1.4695% | 5,161 |
| Net charge-offs to loans | 0.2754% | 608 |
| Credit loss provision to net charge-offs | 64.0000% | 2,699 |
| Earnings coverage of net charge-offs (x) | 4.6160% | 3,039 |
| Efficiency ratio | 80.3072% | 917 |
| Assets per employee ($millions) | 3.0491% | 5,005 |
| Cash dividends to net income (ytd only)* | 122.7001% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 3,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 64.8512% | 3,324 |
| Net loans and leases to deposits | 78.2635% | 3,216 |
| Net loans and leases to core deposits | 86.9104% | 2,928 |
| Total domestic deposits to total assets | 82.8627% | 3,356 |
| Equity capital to assets | 10.0901% | 3,549 |
| Core capital (leverage) ratio | 10.0457% | 3,582 |
| Tier 1 risk-based capital ratio | 14.2842% | 3,221 |
| Total risk-based capital ratio | 15.2897% | 3,260 |
| Memoranda: | ||
| Average total assets | $94,975,750 | 4,225 |
| Average earning assets | $89,391,250 | 4,199 |
| Average equity | $10,071,250 | 4,329 |
| Average total loans | $60,518,500 | 4,122 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 1,962 |
| Cost of funding earning assets | 0.5344% | 2,736 |
| Net interest margin | 4.0046% | 1,842 |
| Noninterest income to average assets | 0.3485% | 3,836 |
| Noninterest expense to average assets | 3.3237% | 1,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7573% | 4,008 |
| Return on assets (ROA) | 0.7714% | 3,956 |
| Pretax return on assets | 0.8139% | 4,206 |
| Return on Equity (ROE) | 7.1551% | 3,851 |
| Retained earnings to average equity (ytd only) | 7.1551% | 1,996 |
| Net charge-offs to loans | 0.1920% | 814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.5965% | 2,611 |
| Efficiency ratio | 80.6186% | 946 |
| Assets per employee ($millions) | 2.9918% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 65.1145% | 3,262 |
| Net loans and leases to deposits | 76.0040% | 3,334 |
| Net loans and leases to core deposits | 85.2408% | 2,989 |
| Total domestic deposits to total assets | 85.6725% | 2,423 |
| Equity capital to assets | 10.7856% | 2,848 |
| Core capital (leverage) ratio | 10.7332% | 2,769 |
| Tier 1 risk-based capital ratio | 15.2436% | 2,760 |
| Total risk-based capital ratio | 16.2488% | 2,795 |
| Memoranda: | ||
| Average total assets | $94,110,670 | 4,277 |
| Average earning assets | $88,697,000 | 4,244 |
| Average equity | $10,146,670 | 4,362 |
| Average total loans | $59,374,000 | 4,181 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4958% | 1,881 |
| Cost of funding earning assets | 0.5244% | 2,594 |
| Net interest margin | 3.9714% | 1,811 |
| Noninterest income to average assets | 0.3258% | 3,977 |
| Noninterest expense to average assets | 3.2970% | 1,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7331% | 3,972 |
| Return on assets (ROA) | 0.7331% | 3,977 |
| Pretax return on assets | 0.7632% | 4,247 |
| Return on Equity (ROE) | 6.8012% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.8012% | 2,365 |
| Net charge-offs to loans | 0.6046% | 250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.0460% | 2,496 |
| Efficiency ratio | 81.2038% | 1,025 |
| Assets per employee ($millions) | 2.9598% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 60.6141% | 3,692 |
| Net loans and leases to deposits | 69.8359% | 3,800 |
| Net loans and leases to core deposits | 77.0687% | 3,570 |
| Total domestic deposits to total assets | 86.7950% | 2,208 |
| Equity capital to assets | 10.6975% | 2,874 |
| Core capital (leverage) ratio | 10.5831% | 2,862 |
| Tier 1 risk-based capital ratio | 15.7962% | 2,555 |
| Total risk-based capital ratio | 16.8107% | 2,586 |
| Memoranda: | ||
| Average total assets | $93,296,500 | 4,344 |
| Average earning assets | $87,727,000 | 4,308 |
| Average equity | $10,057,000 | 4,418 |
| Average total loans | $57,559,000 | 4,265 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 1,506 |
| Cost of funding earning assets | 0.4736% | 2,566 |
| Net interest margin | 4.1008% | 1,432 |
| Noninterest income to average assets | 0.3427% | 4,013 |
| Noninterest expense to average assets | 3.5253% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7051% | 3,578 |
| Return on assets (ROA) | 0.6832% | 3,719 |
| Pretax return on assets | 0.6516% | 4,628 |
| Return on Equity (ROE) | 6.2872% | 3,631 |
| Retained earnings to average equity (ytd only) | 0.8838% | 4,678 |
| Net charge-offs to loans | 0.0928% | 2,155 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 12.0980% | 2,506 |
| Efficiency ratio | 83.9615% | 768 |
| Assets per employee ($millions) | 2.8713% | 5,280 |
| Cash dividends to net income (ytd only)* | 85.9425% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 2,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 61.3333% | 3,699 |
| Net loans and leases to deposits | 70.9467% | 3,796 |
| Net loans and leases to core deposits | 79.2410% | 3,482 |
| Total domestic deposits to total assets | 86.4497% | 2,253 |
| Equity capital to assets | 10.8631% | 2,771 |
| Core capital (leverage) ratio | 10.5495% | 2,786 |
| Tier 1 risk-based capital ratio | 15.8773% | 2,479 |
| Total risk-based capital ratio | 17.0589% | 2,453 |
| Memoranda: | ||
| Average total assets | $91,622,800 | 4,399 |
| Average earning assets | $86,153,800 | 4,358 |
| Average equity | $9,956,800 | 4,457 |
| Average total loans | $54,942,600 | 4,331 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5309% | 1,555 |
| Cost of funding earning assets | 0.4486% | 2,729 |
| Net interest margin | 4.0823% | 1,438 |
| Noninterest income to average assets | 0.3102% | 4,306 |
| Noninterest expense to average assets | 3.4207% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7601% | 3,693 |
| Return on assets (ROA) | 0.7456% | 3,822 |
| Pretax return on assets | 0.7179% | 4,569 |
| Return on Equity (ROE) | 6.8603% | 3,743 |
| Retained earnings to average equity (ytd only) | 3.6847% | 3,734 |
| Net charge-offs to loans | 0.0564% | 2,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 21.8666% | 1,895 |
| Efficiency ratio | 82.3633% | 885 |
| Assets per employee ($millions) | 2.7817% | 5,398 |
| Cash dividends to net income (ytd only)* | 46.2887% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 2,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 61.1780% | 3,752 |
| Net loans and leases to deposits | 70.9813% | 3,876 |
| Net loans and leases to core deposits | 78.7456% | 3,566 |
| Total domestic deposits to total assets | 86.1889% | 2,235 |
| Equity capital to assets | 11.0626% | 2,805 |
| Core capital (leverage) ratio | 10.8396% | 2,606 |
| Tier 1 risk-based capital ratio | 16.0931% | 2,462 |
| Total risk-based capital ratio | 17.3187% | 2,414 |
| Memoranda: | ||
| Average total assets | $91,558,500 | 4,439 |
| Average earning assets | $86,191,750 | 4,401 |
| Average equity | $9,950,750 | 4,505 |
| Average total loans | $54,409,750 | 4,382 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5132% | 1,483 |
| Cost of funding earning assets | 0.4278% | 2,825 |
| Net interest margin | 4.0854% | 1,366 |
| Noninterest income to average assets | 0.3061% | 4,346 |
| Noninterest expense to average assets | 3.2707% | 1,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8898% | 2,968 |
| Return on assets (ROA) | 0.8898% | 3,020 |
| Pretax return on assets | 0.8767% | 4,006 |
| Return on Equity (ROE) | 8.2366% | 2,894 |
| Retained earnings to average equity (ytd only) | 3.4404% | 3,664 |
| Net charge-offs to loans | 0.1232% | 1,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.1515% | 2,218 |
| Efficiency ratio | 78.8614% | 1,349 |
| Assets per employee ($millions) | 2.7848% | 5,434 |
| Cash dividends to net income (ytd only)* | 58.2310% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 59.3691% | 3,897 |
| Net loans and leases to deposits | 69.8203% | 3,925 |
| Net loans and leases to core deposits | 75.8227% | 3,790 |
| Total domestic deposits to total assets | 85.0312% | 2,793 |
| Equity capital to assets | 10.9349% | 2,885 |
| Core capital (leverage) ratio | 10.8507% | 2,550 |
| Tier 1 risk-based capital ratio | 16.1050% | 2,457 |
| Total risk-based capital ratio | 17.3217% | 2,414 |
| Memoranda: | ||
| Average total assets | $91,479,330 | 4,471 |
| Average earning assets | $86,014,000 | 4,432 |
| Average equity | $9,882,670 | 4,526 |
| Average total loans | $53,577,000 | 4,435 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 1,320 |
| Cost of funding earning assets | 0.4389% | 2,625 |
| Net interest margin | 4.0856% | 1,250 |
| Noninterest income to average assets | 0.3024% | 4,397 |
| Noninterest expense to average assets | 3.2300% | 1,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8809% | 2,856 |
| Return on assets (ROA) | 0.8809% | 2,907 |
| Pretax return on assets | 0.9072% | 3,744 |
| Return on Equity (ROE) | 8.2045% | 2,810 |
| Retained earnings to average equity (ytd only) | -1.4695% | 5,125 |
| Net charge-offs to loans | 0.2200% | 808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.1379% | 2,162 |
| Efficiency ratio | 78.0720% | 1,619 |
| Assets per employee ($millions) | 2.7604% | 5,507 |
| Cash dividends to net income (ytd only)* | 117.9104% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 1,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 55.9791% | 4,169 |
| Net loans and leases to deposits | 63.2385% | 4,353 |
| Net loans and leases to core deposits | 68.3901% | 4,268 |
| Total domestic deposits to total assets | 88.5205% | 1,411 |
| Equity capital to assets | 10.7297% | 2,928 |
| Core capital (leverage) ratio | 10.4238% | 2,989 |
| Tier 1 risk-based capital ratio | 16.5054% | 2,359 |
| Total risk-based capital ratio | 17.7562% | 2,305 |
| Memoranda: | ||
| Average total assets | $91,270,000 | 4,515 |
| Average earning assets | $85,666,000 | 4,482 |
| Average equity | $9,799,500 | 4,573 |
| Average total loans | $52,716,500 | 4,491 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6075% | 1,264 |
| Cost of funding earning assets | 0.4787% | 2,269 |
| Net interest margin | 4.1287% | 1,309 |
| Noninterest income to average assets | 0.3141% | 4,491 |
| Noninterest expense to average assets | 3.3891% | 1,384 |
| Loan and lease loss provision to assets | 0.1230% | 2,009 |
| Net operating income to assets | 0.7929% | 3,341 |
| Return on assets (ROA) | 0.8039% | 3,390 |
| Pretax return on assets | 0.6963% | 4,499 |
| Return on Equity (ROE) | 7.5891% | 3,173 |
| Retained earnings to average equity (ytd only) | 5.6711% | 1,905 |
| Net charge-offs to loans | -0.0429% | 5,354 |
| Credit loss provision to net charge-offs | -509.0909% | 5,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7431% | 1,335 |
| Assets per employee ($millions) | 2.7711% | 5,511 |
| Cash dividends to net income (ytd only)* | 25.2732% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 1,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 57.8761% | 4,077 |
| Net loans and leases to deposits | 65.4110% | 4,299 |
| Net loans and leases to core deposits | 71.6776% | 4,100 |
| Total domestic deposits to total assets | 88.4808% | 1,388 |
| Equity capital to assets | 10.7439% | 2,874 |
| Core capital (leverage) ratio | 10.6199% | 2,752 |
| Tier 1 risk-based capital ratio | 16.3114% | 2,425 |
| Total risk-based capital ratio | 17.5626% | 2,360 |
| Memoranda: | ||
| Average total assets | $91,056,400 | 4,526 |
| Average earning assets | $85,643,800 | 4,481 |
| Average equity | $9,645,400 | 4,642 |
| Average total loans | $51,282,200 | 4,541 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 1,282 |
| Cost of funding earning assets | 0.4800% | 2,263 |
| Net interest margin | 4.1249% | 1,324 |
| Noninterest income to average assets | 0.2976% | 4,636 |
| Noninterest expense to average assets | 3.3230% | 1,512 |
| Loan and lease loss provision to assets | 0.1642% | 1,393 |
| Net operating income to assets | 0.8282% | 3,246 |
| Return on assets (ROA) | 0.8341% | 3,349 |
| Pretax return on assets | 0.6963% | 4,620 |
| Return on Equity (ROE) | 7.9022% | 3,060 |
| Retained earnings to average equity (ytd only) | 5.3330% | 2,600 |
| Net charge-offs to loans | -0.0474% | 5,352 |
| Credit loss provision to net charge-offs | -622.2222% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5439% | 1,489 |
| Assets per employee ($millions) | 2.7702% | 5,564 |
| Cash dividends to net income (ytd only)* | 32.5130% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 1,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 56.1182% | 4,298 |
| Net loans and leases to deposits | 63.3807% | 4,532 |
| Net loans and leases to core deposits | 70.1437% | 4,315 |
| Total domestic deposits to total assets | 88.5414% | 1,137 |
| Equity capital to assets | 10.6437% | 3,415 |
| Core capital (leverage) ratio | 10.4837% | 3,013 |
| Tier 1 risk-based capital ratio | 16.4326% | 2,446 |
| Total risk-based capital ratio | 17.6832% | 2,396 |
| Memoranda: | ||
| Average total assets | $90,958,750 | 4,560 |
| Average earning assets | $85,559,000 | 4,518 |
| Average equity | $9,600,500 | 4,694 |
| Average total loans | $50,678,250 | 4,595 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6065% | 1,255 |
| Cost of funding earning assets | 0.4910% | 2,180 |
| Net interest margin | 4.1156% | 1,330 |
| Noninterest income to average assets | 0.2929% | 4,688 |
| Noninterest expense to average assets | 3.2597% | 1,671 |
| Loan and lease loss provision to assets | 0.0264% | 3,602 |
| Net operating income to assets | 0.9449% | 2,645 |
| Return on assets (ROA) | 0.9471% | 2,782 |
| Pretax return on assets | 0.8678% | 4,058 |
| Return on Equity (ROE) | 8.9983% | 2,492 |
| Retained earnings to average equity (ytd only) | 8.9983% | 849 |
| Net charge-offs to loans | -0.0677% | 5,484 |
| Credit loss provision to net charge-offs | -70.5882% | 4,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5146% | 1,709 |
| Assets per employee ($millions) | 2.7620% | 5,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 2,732 |
| Loan loss allowance to noncurrent loans | 86.8490% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 0.8426% | 2,487 |
| Noncurrent loans to loans | 1.5088% | 1,452 |
| Net loans and leases to total assets | 55.1154% | 4,401 |
| Net loans and leases to deposits | 62.3686% | 4,627 |
| Net loans and leases to core deposits | 67.8883% | 4,485 |
| Total domestic deposits to total assets | 88.3704% | 1,233 |
| Equity capital to assets | 10.7409% | 3,354 |
| Core capital (leverage) ratio | 10.4247% | 3,050 |
| Tier 1 risk-based capital ratio | 16.6925% | 2,354 |
| Total risk-based capital ratio | 17.8696% | 2,331 |
| Memoranda: | ||
| Average total assets | $90,806,330 | 4,607 |
| Average earning assets | $85,140,330 | 4,560 |
| Average equity | $9,557,330 | 4,733 |
| Average total loans | $50,214,330 | 4,637 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6163% | 1,222 |
| Cost of funding earning assets | 0.5003% | 2,102 |
| Net interest margin | 4.1159% | 1,294 |
| Noninterest income to average assets | 0.3178% | 4,456 |
| Noninterest expense to average assets | 3.2967% | 1,612 |
| Loan and lease loss provision to assets | 0.0265% | 3,321 |
| Net operating income to assets | 0.7149% | 3,637 |
| Return on assets (ROA) | 0.7149% | 3,756 |
| Pretax return on assets | 0.8429% | 4,053 |
| Return on Equity (ROE) | 6.8637% | 3,534 |
| Retained earnings to average equity (ytd only) | 6.8637% | 1,956 |
| Net charge-offs to loans | -0.0160% | 4,750 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1314% | 1,726 |
| Assets per employee ($millions) | 2.8624% | 5,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 2,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 53.5809% | 4,486 |
| Net loans and leases to deposits | 60.4558% | 4,687 |
| Net loans and leases to core deposits | 65.4723% | 4,576 |
| Total domestic deposits to total assets | 88.6283% | 1,295 |
| Equity capital to assets | 10.3957% | 3,622 |
| Core capital (leverage) ratio | 10.2739% | 3,233 |
| Tier 1 risk-based capital ratio | 15.8608% | 2,756 |
| Total risk-based capital ratio | 16.9767% | 2,751 |
| Memoranda: | ||
| Average total assets | $90,636,000 | 4,645 |
| Average earning assets | $84,743,500 | 4,599 |
| Average equity | $9,441,000 | 4,772 |
| Average total loans | $49,870,000 | 4,680 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 1,035 |
| Cost of funding earning assets | 0.5204% | 1,990 |
| Net interest margin | 4.2162% | 1,134 |
| Noninterest income to average assets | 0.3181% | 4,622 |
| Noninterest expense to average assets | 3.3438% | 1,622 |
| Loan and lease loss provision to assets | 0.0598% | 3,109 |
| Net operating income to assets | 0.9465% | 2,632 |
| Return on assets (ROA) | 0.9354% | 2,767 |
| Pretax return on assets | 0.8545% | 4,006 |
| Return on Equity (ROE) | 9.2017% | 2,367 |
| Retained earnings to average equity (ytd only) | 7.8934% | 950 |
| Net charge-offs to loans | 0.0614% | 2,998 |
| Credit loss provision to net charge-offs | 174.1935% | 1,558 |
| Earnings coverage of net charge-offs (x) | 26.9355% | 1,564 |
| Efficiency ratio | 78.3229% | 1,918 |
| Assets per employee ($millions) | 2.8024% | 5,705 |
| Cash dividends to net income (ytd only)* | 14.2180% | 3,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 3,048 |
| Loan loss allowance to noncurrent loans | 63,700.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,739 |
| Noncurrent loans to loans | 0.0020% | 5,561 |
| Net loans and leases to total assets | 55.0638% | 4,382 |
| Net loans and leases to deposits | 63.7272% | 4,487 |
| Net loans and leases to core deposits | 69.0828% | 4,370 |
| Total domestic deposits to total assets | 86.4055% | 2,426 |
| Equity capital to assets | 10.4376% | 3,441 |
| Core capital (leverage) ratio | 10.1296% | 3,353 |
| Tier 1 risk-based capital ratio | 16.0615% | 2,659 |
| Total risk-based capital ratio | 17.1969% | 2,649 |
| Memoranda: | ||
| Average total assets | $90,226,400 | 4,666 |
| Average earning assets | $84,554,800 | 4,621 |
| Average equity | $9,172,200 | 4,808 |
| Average total loans | $50,478,400 | 4,655 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 1,077 |
| Cost of funding earning assets | 0.5214% | 2,030 |
| Net interest margin | 4.1899% | 1,185 |
| Noninterest income to average assets | 0.2995% | 4,794 |
| Noninterest expense to average assets | 3.2121% | 1,940 |
| Loan and lease loss provision to assets | 0.0708% | 2,768 |
| Net operating income to assets | 1.0860% | 2,069 |
| Return on assets (ROA) | 1.0712% | 2,221 |
| Pretax return on assets | 0.9384% | 3,852 |
| Return on Equity (ROE) | 10.6077% | 1,857 |
| Retained earnings to average equity (ytd only) | 8.8543% | 956 |
| Net charge-offs to loans | 0.0896% | 2,271 |
| Credit loss provision to net charge-offs | 141.1765% | 1,761 |
| Earnings coverage of net charge-offs (x) | 20.4128% | 1,872 |
| Efficiency ratio | 75.8272% | 2,271 |
| Assets per employee ($millions) | 2.7277% | 5,819 |
| Cash dividends to net income (ytd only)* | 16.5293% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 3,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 5,704 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 55.5463% | 4,405 |
| Net loans and leases to deposits | 62.1767% | 4,708 |
| Net loans and leases to core deposits | 67.6480% | 4,572 |
| Total domestic deposits to total assets | 89.3362% | 850 |
| Equity capital to assets | 10.2672% | 3,858 |
| Core capital (leverage) ratio | 9.9573% | 3,699 |
| Tier 1 risk-based capital ratio | 15.2452% | 3,166 |
| Total risk-based capital ratio | 16.3246% | 3,196 |
| Memoranda: | ||
| Average total assets | $90,364,000 | 4,716 |
| Average earning assets | $84,901,250 | 4,662 |
| Average equity | $9,125,250 | 4,883 |
| Average total loans | $50,594,000 | 4,691 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 1,152 |
| Cost of funding earning assets | 0.5198% | 2,072 |
| Net interest margin | 4.1369% | 1,258 |
| Noninterest income to average assets | 0.2984% | 4,821 |
| Noninterest expense to average assets | 3.1675% | 2,073 |
| Loan and lease loss provision to assets | 0.0796% | 2,521 |
| Net operating income to assets | 0.7960% | 3,411 |
| Return on assets (ROA) | 0.7847% | 3,570 |
| Pretax return on assets | 0.9262% | 3,860 |
| Return on Equity (ROE) | 7.8139% | 3,155 |
| Retained earnings to average equity (ytd only) | 5.1726% | 2,748 |
| Net charge-offs to loans | 0.1186% | 1,819 |
| Credit loss provision to net charge-offs | 120.0000% | 1,806 |
| Earnings coverage of net charge-offs (x) | 15.3667% | 1,981 |
| Efficiency ratio | 75.6600% | 2,418 |
| Assets per employee ($millions) | 2.7138% | 5,903 |
| Cash dividends to net income (ytd only)* | 33.8028% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 3,644 |
| Loan loss allowance to noncurrent loans | 580.3738% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 5,236 |
| Noncurrent loans to loans | 0.2110% | 4,927 |
| Net loans and leases to total assets | 55.9439% | 4,343 |
| Net loans and leases to deposits | 62.5414% | 4,659 |
| Net loans and leases to core deposits | 67.1510% | 4,559 |
| Total domestic deposits to total assets | 89.4511% | 921 |
| Equity capital to assets | 9.9058% | 4,148 |
| Core capital (leverage) ratio | 9.4408% | 4,356 |
| Tier 1 risk-based capital ratio | 12.6794% | 4,695 |
| Total risk-based capital ratio | 13.6050% | 4,806 |
| Memoranda: | ||
| Average total assets | $90,480,330 | 4,752 |
| Average earning assets | $85,040,330 | 4,706 |
| Average equity | $9,086,330 | 4,927 |
| Average total loans | $50,582,330 | 4,734 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 725 |
| Cost of funding earning assets | 0.5157% | 2,150 |
| Net interest margin | 4.3694% | 780 |
| Noninterest income to average assets | 0.3563% | 4,348 |
| Noninterest expense to average assets | 3.1536% | 2,114 |
| Loan and lease loss provision to assets | 0.0792% | 2,373 |
| Net operating income to assets | 1.0255% | 2,142 |
| Return on assets (ROA) | 1.0292% | 2,275 |
| Pretax return on assets | 1.2271% | 2,562 |
| Return on Equity (ROE) | 10.1806% | 1,917 |
| Retained earnings to average equity (ytd only) | 4.9598% | 3,076 |
| Net charge-offs to loans | -0.0079% | 4,629 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7799% | 3,358 |
| Assets per employee ($millions) | 2.8147% | 5,872 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 3,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 5,849 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 54.1124% | 4,429 |
| Net loans and leases to deposits | 61.5632% | 4,616 |
| Net loans and leases to core deposits | 65.7108% | 4,546 |
| Total domestic deposits to total assets | 87.8972% | 1,884 |
| Equity capital to assets | 9.7147% | 4,486 |
| Core capital (leverage) ratio | 9.3000% | 4,571 |
| Tier 1 risk-based capital ratio | 12.8478% | 4,697 |
| Total risk-based capital ratio | 13.8191% | 4,777 |
| Memoranda: | ||
| Average total assets | $90,943,500 | 4,792 |
| Average earning assets | $85,320,500 | 4,735 |
| Average equity | $9,194,000 | 4,940 |
| Average total loans | $50,513,000 | 4,767 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9355% | 866 |
| Cost of funding earning assets | 0.5326% | 2,359 |
| Net interest margin | 4.4029% | 880 |
| Noninterest income to average assets | 0.4172% | 4,058 |
| Noninterest expense to average assets | 3.2911% | 1,954 |
| Loan and lease loss provision to assets | 0.0697% | 3,089 |
| Net operating income to assets | 0.9701% | 2,527 |
| Return on assets (ROA) | 0.9628% | 2,651 |
| Pretax return on assets | 1.1642% | 2,808 |
| Return on Equity (ROE) | 9.2895% | 2,446 |
| Retained earnings to average equity (ytd only) | 6.7269% | 1,534 |
| Net charge-offs to loans | 0.0186% | 4,481 |
| Credit loss provision to net charge-offs | 700.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 124.7778% | 424 |
| Efficiency ratio | 72.5897% | 3,105 |
| Assets per employee ($millions) | 2.8693% | 5,866 |
| Cash dividends to net income (ytd only)* | 27.5862% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 4,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 5,952 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 55.5877% | 4,384 |
| Net loans and leases to deposits | 66.7718% | 4,236 |
| Net loans and leases to core deposits | 71.9477% | 4,127 |
| Total domestic deposits to total assets | 83.2504% | 3,992 |
| Equity capital to assets | 10.4970% | 3,485 |
| Core capital (leverage) ratio | 10.2421% | 3,258 |
| Tier 1 risk-based capital ratio | 15.4335% | 3,255 |
| Total risk-based capital ratio | 16.4553% | 3,328 |
| Memoranda: | ||
| Average total assets | $90,364,200 | 4,830 |
| Average earning assets | $84,490,600 | 4,774 |
| Average equity | $9,365,400 | 4,889 |
| Average total loans | $48,370,400 | 4,868 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8943% | 942 |
| Cost of funding earning assets | 0.5315% | 2,453 |
| Net interest margin | 4.3629% | 936 |
| Noninterest income to average assets | 0.4385% | 3,962 |
| Noninterest expense to average assets | 3.1317% | 2,379 |
| Loan and lease loss provision to assets | 0.0711% | 2,925 |
| Net operating income to assets | 1.1135% | 1,974 |
| Return on assets (ROA) | 1.1022% | 2,087 |
| Pretax return on assets | 1.2963% | 2,390 |
| Return on Equity (ROE) | 10.6696% | 1,917 |
| Retained earnings to average equity (ytd only) | 8.0882% | 1,314 |
| Net charge-offs to loans | 0.0084% | 4,421 |
| Credit loss provision to net charge-offs | 1,600.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 310.6600% | 228 |
| Efficiency ratio | 69.4025% | 3,613 |
| Assets per employee ($millions) | 2.7980% | 5,972 |
| Cash dividends to net income (ytd only)* | 24.1930% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 4,066 |
| Loan loss allowance to noncurrent loans | 3,787.5000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 6,101 |
| Noncurrent loans to loans | 0.0325% | 5,905 |
| Net loans and leases to total assets | 54.2994% | 4,543 |
| Net loans and leases to deposits | 61.4153% | 4,804 |
| Net loans and leases to core deposits | 65.9938% | 4,712 |
| Total domestic deposits to total assets | 88.4135% | 1,547 |
| Equity capital to assets | 10.6908% | 3,316 |
| Core capital (leverage) ratio | 10.3025% | 3,292 |
| Tier 1 risk-based capital ratio | 16.0424% | 3,041 |
| Total risk-based capital ratio | 17.0982% | 3,073 |
| Memoranda: | ||
| Average total assets | $90,001,000 | 4,891 |
| Average earning assets | $84,040,750 | 4,832 |
| Average equity | $9,297,250 | 4,947 |
| Average total loans | $47,549,750 | 4,948 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 971 |
| Cost of funding earning assets | 0.5316% | 2,526 |
| Net interest margin | 4.3335% | 965 |
| Noninterest income to average assets | 0.4747% | 3,674 |
| Noninterest expense to average assets | 3.0924% | 2,531 |
| Loan and lease loss provision to assets | 0.0799% | 2,696 |
| Net operating income to assets | 1.1660% | 1,701 |
| Return on assets (ROA) | 1.1602% | 1,792 |
| Pretax return on assets | 1.3288% | 2,154 |
| Return on Equity (ROE) | 11.3626% | 1,611 |
| Retained earnings to average equity (ytd only) | 8.7555% | 1,061 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6024% | 3,899 |
| Assets per employee ($millions) | 2.8587% | 5,949 |
| Cash dividends to net income (ytd only)* | 22.9446% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 4,127 |
| Loan loss allowance to noncurrent loans | 3,731.2500% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 6,180 |
| Noncurrent loans to loans | 0.0336% | 5,960 |
| Net loans and leases to total assets | 51.3572% | 4,813 |
| Net loans and leases to deposits | 57.5756% | 5,078 |
| Net loans and leases to core deposits | 61.7264% | 4,991 |
| Total domestic deposits to total assets | 89.1995% | 1,252 |
| Equity capital to assets | 10.2878% | 3,712 |
| Core capital (leverage) ratio | 10.0855% | 3,493 |
| Tier 1 risk-based capital ratio | 15.8046% | 3,191 |
| Total risk-based capital ratio | 16.8475% | 3,249 |
| Memoranda: | ||
| Average total assets | $90,156,330 | 4,928 |
| Average earning assets | $83,904,330 | 4,870 |
| Average equity | $9,205,670 | 4,980 |
| Average total loans | $46,992,000 | 5,000 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8893% | 889 |
| Cost of funding earning assets | 0.5314% | 2,590 |
| Net interest margin | 4.3579% | 880 |
| Noninterest income to average assets | 0.4067% | 4,127 |
| Noninterest expense to average assets | 3.1867% | 2,275 |
| Loan and lease loss provision to assets | 0.0805% | 2,540 |
| Net operating income to assets | 1.1131% | 1,761 |
| Return on assets (ROA) | 1.1174% | 1,806 |
| Pretax return on assets | 1.1755% | 2,585 |
| Return on Equity (ROE) | 10.9854% | 1,687 |
| Retained earnings to average equity (ytd only) | 8.3489% | 1,470 |
| Net charge-offs to loans | -0.0257% | 5,477 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8026% | 3,524 |
| Assets per employee ($millions) | 2.8220% | 6,080 |
| Cash dividends to net income (ytd only)* | 24.0000% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 4,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 5,680 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 49.9197% | 4,921 |
| Net loans and leases to deposits | 55.8835% | 5,123 |
| Net loans and leases to core deposits | 59.5629% | 5,078 |
| Total domestic deposits to total assets | 89.3282% | 1,459 |
| Equity capital to assets | 10.1857% | 3,614 |
| Core capital (leverage) ratio | 10.0008% | 3,574 |
| Tier 1 risk-based capital ratio | 15.8443% | 3,250 |
| Total risk-based capital ratio | 16.8882% | 3,325 |
| Memoranda: | ||
| Average total assets | $89,496,000 | 4,984 |
| Average earning assets | $82,792,500 | 4,947 |
| Average equity | $9,103,000 | 5,023 |
| Average total loans | $46,699,500 | 5,056 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0969% | 764 |
| Cost of funding earning assets | 0.5853% | 2,787 |
| Net interest margin | 4.5116% | 722 |
| Noninterest income to average assets | 0.3256% | 5,001 |
| Noninterest expense to average assets | 3.5589% | 1,528 |
| Loan and lease loss provision to assets | 0.0773% | 3,561 |
| Net operating income to assets | 0.8508% | 3,027 |
| Return on assets (ROA) | 0.9123% | 2,807 |
| Pretax return on assets | 0.9216% | 3,674 |
| Return on Equity (ROE) | 8.9370% | 2,565 |
| Retained earnings to average equity (ytd only) | 8.2486% | 972 |
| Net charge-offs to loans | 0.5009% | 1,324 |
| Credit loss provision to net charge-offs | 28.4483% | 4,283 |
| Earnings coverage of net charge-offs (x) | 3.4483% | 3,849 |
| Efficiency ratio | 79.1612% | 2,294 |
| Assets per employee ($millions) | 2.7715% | 6,147 |
| Cash dividends to net income (ytd only)* | 7.7022% | 4,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 4,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 5,727 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 53.1937% | 4,696 |
| Net loans and leases to deposits | 63.8813% | 4,518 |
| Net loans and leases to core deposits | 68.0058% | 4,515 |
| Total domestic deposits to total assets | 83.2696% | 4,439 |
| Equity capital to assets | 10.1568% | 3,563 |
| Core capital (leverage) ratio | 10.1455% | 3,370 |
| Tier 1 risk-based capital ratio | 15.1556% | 3,575 |
| Total risk-based capital ratio | 16.1392% | 3,675 |
| Memoranda: | ||
| Average total assets | $85,392,200 | 5,101 |
| Average earning assets | $78,929,600 | 5,060 |
| Average equity | $8,716,600 | 5,157 |
| Average total loans | $46,315,800 | 5,103 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 785 |
| Cost of funding earning assets | 0.5935% | 2,862 |
| Net interest margin | 4.4959% | 747 |
| Noninterest income to average assets | 0.3216% | 5,113 |
| Noninterest expense to average assets | 3.4843% | 1,641 |
| Loan and lease loss provision to assets | 0.0804% | 3,451 |
| Net operating income to assets | 0.9649% | 2,521 |
| Return on assets (ROA) | 1.0484% | 2,272 |
| Pretax return on assets | 0.9964% | 3,516 |
| Return on Equity (ROE) | 10.2576% | 2,081 |
| Retained earnings to average equity (ytd only) | 10.2576% | 736 |
| Net charge-offs to loans | 0.1277% | 3,250 |
| Credit loss provision to net charge-offs | 115.9091% | 2,032 |
| Earnings coverage of net charge-offs (x) | 14.3170% | 1,955 |
| Efficiency ratio | 77.8169% | 2,448 |
| Assets per employee ($millions) | 2.6329% | 6,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 2,950 |
| Loan loss allowance to noncurrent loans | 262.1429% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 5,142 |
| Noncurrent loans to loans | 0.6155% | 4,665 |
| Net loans and leases to total assets | 53.1227% | 4,731 |
| Net loans and leases to deposits | 60.5010% | 4,914 |
| Net loans and leases to core deposits | 62.5960% | 5,055 |
| Total domestic deposits to total assets | 87.8047% | 2,243 |
| Equity capital to assets | 10.6274% | 3,132 |
| Core capital (leverage) ratio | 10.1495% | 3,463 |
| Tier 1 risk-based capital ratio | 15.9674% | 3,212 |
| Total risk-based capital ratio | 17.2184% | 3,166 |
| Memoranda: | ||
| Average total assets | $84,568,000 | 5,175 |
| Average earning assets | $78,172,750 | 5,131 |
| Average equity | $8,643,750 | 5,228 |
| Average total loans | $45,960,250 | 5,162 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 937 |
| Cost of funding earning assets | 0.5917% | 3,017 |
| Net interest margin | 4.3875% | 872 |
| Noninterest income to average assets | 0.3071% | 5,250 |
| Noninterest expense to average assets | 3.5242% | 1,549 |
| Loan and lease loss provision to assets | 0.1205% | 2,817 |
| Net operating income to assets | 0.9070% | 2,754 |
| Return on assets (ROA) | 1.0322% | 2,310 |
| Pretax return on assets | 0.8338% | 4,182 |
| Return on Equity (ROE) | 10.2338% | 2,113 |
| Retained earnings to average equity (ytd only) | 10.2338% | 796 |
| Net charge-offs to loans | 0.2906% | 2,029 |
| Credit loss provision to net charge-offs | 76.1194% | 2,702 |
| Earnings coverage of net charge-offs (x) | 5.2388% | 2,939 |
| Efficiency ratio | 80.9550% | 2,029 |
| Assets per employee ($millions) | 2.8452% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 3,237 |
| Loan loss allowance to noncurrent loans | 245.1724% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 4,555 |
| Noncurrent loans to loans | 0.6429% | 4,652 |
| Net loans and leases to total assets | 52.0110% | 4,864 |
| Net loans and leases to deposits | 58.2084% | 5,144 |
| Net loans and leases to core deposits | 60.1583% | 5,251 |
| Total domestic deposits to total assets | 89.3530% | 1,409 |
| Equity capital to assets | 10.2229% | 3,636 |
| Core capital (leverage) ratio | 9.8812% | 3,670 |
| Tier 1 risk-based capital ratio | 15.7237% | 3,350 |
| Total risk-based capital ratio | 16.9741% | 3,302 |
| Memoranda: | ||
| Average total assets | $84,672,670 | 5,204 |
| Average earning assets | $78,085,000 | 5,166 |
| Average equity | $8,540,330 | 5,295 |
| Average total loans | $46,116,330 | 5,182 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9502% | 975 |
| Cost of funding earning assets | 0.5988% | 3,117 |
| Net interest margin | 4.3514% | 879 |
| Noninterest income to average assets | 0.2704% | 5,521 |
| Noninterest expense to average assets | 3.2064% | 2,333 |
| Loan and lease loss provision to assets | 0.2419% | 1,493 |
| Net operating income to assets | 1.2570% | 1,383 |
| Return on assets (ROA) | 1.5036% | 924 |
| Pretax return on assets | 1.0672% | 3,087 |
| Return on Equity (ROE) | 15.0104% | 766 |
| Retained earnings to average equity (ytd only) | 15.0104% | 352 |
| Net charge-offs to loans | -0.0172% | 5,655 |
| Credit loss provision to net charge-offs | -2,550.0000% | 5,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1111% | 3,079 |
| Assets per employee ($millions) | 2.8592% | 6,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 2,915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 5,608 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 51.8758% | 4,721 |
| Net loans and leases to deposits | 57.9418% | 5,042 |
| Net loans and leases to core deposits | 59.8665% | 5,159 |
| Total domestic deposits to total assets | 89.5309% | 1,339 |
| Equity capital to assets | 10.0331% | 4,109 |
| Core capital (leverage) ratio | 9.7743% | 3,693 |
| Tier 1 risk-based capital ratio | 15.4486% | 3,558 |
| Total risk-based capital ratio | 16.7007% | 3,517 |
| Memoranda: | ||
| Average total assets | $84,330,500 | 5,254 |
| Average earning assets | $77,491,500 | 5,222 |
| Average equity | $8,447,500 | 5,373 |
| Average total loans | $46,621,500 | 5,189 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4255% | 726 |
| Cost of funding earning assets | 0.7106% | 3,406 |
| Net interest margin | 4.7149% | 634 |
| Noninterest income to average assets | 0.0784% | 6,588 |
| Noninterest expense to average assets | 3.5431% | 1,734 |
| Loan and lease loss provision to assets | 0.0145% | 5,725 |
| Net operating income to assets | 0.7719% | 3,408 |
| Return on assets (ROA) | 0.8508% | 3,290 |
| Pretax return on assets | 0.8604% | 4,065 |
| Return on Equity (ROE) | 8.7929% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.0446% | 1,106 |
| Net charge-offs to loans | 0.0537% | 5,181 |
| Credit loss provision to net charge-offs | 46.1538% | 4,780 |
| Earnings coverage of net charge-offs (x) | 25.3462% | 1,138 |
| Efficiency ratio | 81.6690% | 1,920 |
| Assets per employee ($millions) | 2.7628% | 6,349 |
| Cash dividends to net income (ytd only)* | 8.5106% | 4,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 3,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 5,405 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 56.9934% | 4,119 |
| Net loans and leases to deposits | 63.7065% | 4,570 |
| Net loans and leases to core deposits | 65.8971% | 4,747 |
| Total domestic deposits to total assets | 89.4625% | 1,271 |
| Equity capital to assets | 10.0006% | 4,162 |
| Core capital (leverage) ratio | 9.5812% | 3,992 |
| Tier 1 risk-based capital ratio | 14.4403% | 4,076 |
| Total risk-based capital ratio | 15.6921% | 4,022 |
| Memoranda: | ||
| Average total assets | $82,865,400 | 5,275 |
| Average earning assets | $74,868,800 | 5,284 |
| Average equity | $8,017,800 | 5,498 |
| Average total loans | $48,430,800 | 5,163 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4042% | 835 |
| Cost of funding earning assets | 0.7203% | 3,591 |
| Net interest margin | 4.6839% | 691 |
| Noninterest income to average assets | 0.0788% | 6,697 |
| Noninterest expense to average assets | 3.4531% | 1,877 |
| Loan and lease loss provision to assets | 0.0193% | 5,559 |
| Net operating income to assets | 0.8866% | 3,049 |
| Return on assets (ROA) | 0.9381% | 3,026 |
| Pretax return on assets | 0.8850% | 4,176 |
| Return on Equity (ROE) | 9.7775% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.7775% | 972 |
| Net charge-offs to loans | 0.0330% | 5,185 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 44.1656% | 818 |
| Efficiency ratio | 80.1943% | 2,068 |
| Assets per employee ($millions) | 2.5624% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 3,478 |
| Loan loss allowance to noncurrent loans | 10,585.7143% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 5,209 |
| Noncurrent loans to loans | 0.0152% | 6,614 |
| Net loans and leases to total assets | 55.2142% | 4,568 |
| Net loans and leases to deposits | 61.6636% | 5,003 |
| Net loans and leases to core deposits | 63.8030% | 5,173 |
| Total domestic deposits to total assets | 89.5411% | 1,102 |
| Equity capital to assets | 10.0333% | 4,444 |
| Core capital (leverage) ratio | 9.5239% | 4,232 |
| Tier 1 risk-based capital ratio | 14.9509% | 3,877 |
| Total risk-based capital ratio | 16.2021% | 3,836 |
| Memoranda: | ||
| Average total assets | $82,860,500 | 5,329 |
| Average earning assets | $74,779,000 | 5,335 |
| Average equity | $7,950,000 | 5,577 |
| Average total loans | $48,547,000 | 5,218 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4547% | 794 |
| Cost of funding earning assets | 0.7332% | 3,734 |
| Net interest margin | 4.7215% | 644 |
| Noninterest income to average assets | -0.0794% | 7,078 |
| Noninterest expense to average assets | 3.4517% | 1,903 |
| Loan and lease loss provision to assets | 0.0289% | 5,310 |
| Net operating income to assets | 0.8563% | 3,106 |
| Return on assets (ROA) | 0.9309% | 3,019 |
| Pretax return on assets | 0.7433% | 4,687 |
| Return on Equity (ROE) | 9.8502% | 2,416 |
| Retained earnings to average equity (ytd only) | 9.8502% | 1,012 |
| Net charge-offs to loans | 0.0810% | 4,336 |
| Credit loss provision to net charge-offs | 60.0000% | 3,797 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,714 |
| Efficiency ratio | 83.1884% | 1,725 |
| Assets per employee ($millions) | 2.7693% | 6,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 3,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 5,341 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 55.9485% | 4,478 |
| Net loans and leases to deposits | 62.2524% | 4,966 |
| Net loans and leases to core deposits | 64.3715% | 5,168 |
| Total domestic deposits to total assets | 89.8736% | 1,001 |
| Equity capital to assets | 9.6666% | 4,799 |
| Core capital (leverage) ratio | 9.2790% | 4,483 |
| Tier 1 risk-based capital ratio | 14.4699% | 4,123 |
| Total risk-based capital ratio | 15.7211% | 4,087 |
| Memoranda: | ||
| Average total assets | $83,148,330 | 5,348 |
| Average earning assets | $74,467,670 | 5,382 |
| Average equity | $7,857,670 | 5,615 |
| Average total loans | $49,391,000 | 5,219 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6340% | 589 |
| Cost of funding earning assets | 0.7621% | 3,775 |
| Net interest margin | 4.8719% | 490 |
| Noninterest income to average assets | -0.2452% | 7,212 |
| Noninterest expense to average assets | 3.3565% | 2,125 |
| Loan and lease loss provision to assets | 0.0577% | 4,690 |
| Net operating income to assets | 1.0820% | 2,163 |
| Return on assets (ROA) | 1.2262% | 1,845 |
| Pretax return on assets | 0.7886% | 4,459 |
| Return on Equity (ROE) | 13.1257% | 1,378 |
| Retained earnings to average equity (ytd only) | 13.1257% | 668 |
| Net charge-offs to loans | 0.0079% | 4,621 |
| Credit loss provision to net charge-offs | 1,200.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 250 |
| Efficiency ratio | 82.7014% | 1,844 |
| Assets per employee ($millions) | 2.6836% | 6,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 3,660 |
| Loan loss allowance to noncurrent loans | 2,278.7879% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.9328% | 4,649 |
| Noncurrent loans to loans | 0.0709% | 6,575 |
| Net loans and leases to total assets | 55.0161% | 4,551 |
| Net loans and leases to deposits | 61.0881% | 5,033 |
| Net loans and leases to core deposits | 63.1575% | 5,204 |
| Total domestic deposits to total assets | 90.0603% | 1,056 |
| Equity capital to assets | 9.4949% | 4,815 |
| Core capital (leverage) ratio | 9.1784% | 4,552 |
| Tier 1 risk-based capital ratio | 14.3872% | 4,186 |
| Total risk-based capital ratio | 15.6397% | 4,152 |
| Memoranda: | ||
| Average total assets | $83,182,500 | 5,384 |
| Average earning assets | $73,482,000 | 5,456 |
| Average equity | $7,771,000 | 5,668 |
| Average total loans | $50,479,000 | 5,209 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7109% | 763 |
| Cost of funding earning assets | 0.9569% | 3,673 |
| Net interest margin | 4.7540% | 680 |
| Noninterest income to average assets | 0.1944% | 6,112 |
| Noninterest expense to average assets | 3.4334% | 2,156 |
| Loan and lease loss provision to assets | 0.2916% | 3,332 |
| Net operating income to assets | 0.7983% | 3,041 |
| Return on assets (ROA) | 0.8007% | 3,200 |
| Pretax return on assets | 0.8177% | 3,919 |
| Return on Equity (ROE) | 9.0035% | 2,443 |
| Retained earnings to average equity (ytd only) | 9.0035% | 801 |
| Net charge-offs to loans | 0.2298% | 4,343 |
| Credit loss provision to net charge-offs | 192.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 7.2880% | 2,359 |
| Efficiency ratio | 75.6222% | 2,954 |
| Assets per employee ($millions) | 2.6830% | 6,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,630 |
| Loan loss allowance to noncurrent loans | 1,372.2222% | 315 |
| Noncurrent assets plus other real estate owned to assets | 1.2023% | 4,231 |
| Noncurrent loans to loans | 0.0992% | 6,564 |
| Net loans and leases to total assets | 64.5594% | 3,068 |
| Net loans and leases to deposits | 76.3367% | 3,122 |
| Net loans and leases to core deposits | 79.0985% | 3,566 |
| Total domestic deposits to total assets | 84.5719% | 4,056 |
| Equity capital to assets | 9.1893% | 5,308 |
| Core capital (leverage) ratio | 9.1821% | 4,491 |
| Tier 1 risk-based capital ratio | 12.4508% | 5,491 |
| Total risk-based capital ratio | 13.7012% | 5,472 |
| Memoranda: | ||
| Average total assets | $82,308,000 | 5,391 |
| Average earning assets | $75,241,600 | 5,366 |
| Average equity | $7,319,400 | 5,766 |
| Average total loans | $54,393,200 | 5,098 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7077% | 839 |
| Cost of funding earning assets | 1.0043% | 3,653 |
| Net interest margin | 4.7034% | 760 |
| Noninterest income to average assets | 0.2014% | 6,160 |
| Noninterest expense to average assets | 3.3360% | 2,384 |
| Loan and lease loss provision to assets | 0.3330% | 2,884 |
| Net operating income to assets | 0.7554% | 3,361 |
| Return on assets (ROA) | 0.7569% | 3,519 |
| Pretax return on assets | 0.8543% | 3,932 |
| Return on Equity (ROE) | 8.5835% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.5835% | 1,286 |
| Net charge-offs to loans | 0.3947% | 3,138 |
| Credit loss provision to net charge-offs | 127.3292% | 2,517 |
| Earnings coverage of net charge-offs (x) | 4.5342% | 3,034 |
| Efficiency ratio | 73.7787% | 3,225 |
| Assets per employee ($millions) | 2.5827% | 6,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 5,219 |
| Loan loss allowance to noncurrent loans | 167.9198% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 1.8772% | 3,298 |
| Noncurrent loans to loans | 0.7475% | 5,384 |
| Net loans and leases to total assets | 65.8286% | 2,940 |
| Net loans and leases to deposits | 74.2470% | 3,624 |
| Net loans and leases to core deposits | 77.1850% | 4,017 |
| Total domestic deposits to total assets | 88.6616% | 1,655 |
| Equity capital to assets | 9.3063% | 5,370 |
| Core capital (leverage) ratio | 8.8463% | 5,185 |
| Tier 1 risk-based capital ratio | 12.6878% | 5,340 |
| Total risk-based capital ratio | 13.8872% | 5,366 |
| Memoranda: | ||
| Average total assets | $82,091,750 | 5,436 |
| Average earning assets | $75,405,250 | 5,404 |
| Average equity | $7,238,500 | 5,833 |
| Average total loans | $54,382,250 | 5,147 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6291% | 1,021 |
| Cost of funding earning assets | 1.0490% | 3,608 |
| Net interest margin | 4.5800% | 947 |
| Noninterest income to average assets | 0.1281% | 6,685 |
| Noninterest expense to average assets | 3.3177% | 2,500 |
| Loan and lease loss provision to assets | 0.2054% | 3,868 |
| Net operating income to assets | 0.7418% | 3,330 |
| Return on assets (ROA) | 0.7418% | 3,452 |
| Pretax return on assets | 0.8143% | 3,970 |
| Return on Equity (ROE) | 8.5662% | 2,695 |
| Retained earnings to average equity (ytd only) | 8.5662% | 1,246 |
| Net charge-offs to loans | 0.0037% | 5,834 |
| Credit loss provision to net charge-offs | 8,500.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 422.0000% | 77 |
| Efficiency ratio | 76.4903% | 2,939 |
| Assets per employee ($millions) | 2.6862% | 6,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 4,947 |
| Loan loss allowance to noncurrent loans | 106.6066% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.9634% | 3,282 |
| Noncurrent loans to loans | 1.2430% | 4,583 |
| Net loans and leases to total assets | 63.4931% | 3,580 |
| Net loans and leases to deposits | 70.5675% | 4,360 |
| Net loans and leases to core deposits | 73.7200% | 4,613 |
| Total domestic deposits to total assets | 89.9750% | 988 |
| Equity capital to assets | 8.7556% | 5,871 |
| Core capital (leverage) ratio | 8.3746% | 5,744 |
| Tier 1 risk-based capital ratio | 12.2728% | 5,543 |
| Total risk-based capital ratio | 13.5236% | 5,527 |
| Memoranda: | ||
| Average total assets | $82,767,670 | 5,462 |
| Average earning assets | $76,069,670 | 5,432 |
| Average equity | $7,167,670 | 5,875 |
| Average total loans | $54,718,000 | 5,180 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6198% | 1,020 |
| Cost of funding earning assets | 1.0765% | 3,683 |
| Net interest margin | 4.5433% | 974 |
| Noninterest income to average assets | 0.3830% | 4,853 |
| Noninterest expense to average assets | 3.3981% | 2,285 |
| Loan and lease loss provision to assets | 0.1939% | 3,688 |
| Net operating income to assets | 0.8823% | 2,654 |
| Return on assets (ROA) | 0.8823% | 2,717 |
| Pretax return on assets | 0.9647% | 3,265 |
| Return on Equity (ROE) | 10.2449% | 2,014 |
| Retained earnings to average equity (ytd only) | 10.2449% | 1,066 |
| Net charge-offs to loans | 0.0145% | 4,882 |
| Credit loss provision to net charge-offs | 2,000.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 119.5000% | 273 |
| Efficiency ratio | 74.5745% | 3,410 |
| Assets per employee ($millions) | 2.7999% | 6,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 5,410 |
| Loan loss allowance to noncurrent loans | 99.6997% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.8322% | 3,523 |
| Noncurrent loans to loans | 1.2518% | 4,594 |
| Net loans and leases to total assets | 62.5482% | 3,747 |
| Net loans and leases to deposits | 69.4332% | 4,443 |
| Net loans and leases to core deposits | 73.0059% | 4,649 |
| Total domestic deposits to total assets | 90.0841% | 1,103 |
| Equity capital to assets | 8.5325% | 5,861 |
| Core capital (leverage) ratio | 8.1428% | 6,065 |
| Tier 1 risk-based capital ratio | 12.1037% | 5,599 |
| Total risk-based capital ratio | 13.2851% | 5,653 |
| Memoranda: | ||
| Average total assets | $82,515,500 | 5,508 |
| Average earning assets | $75,803,500 | 5,482 |
| Average equity | $7,106,000 | 5,899 |
| Average total loans | $55,286,000 | 5,205 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0059% | 839 |
| Cost of funding earning assets | 1.1799% | 4,677 |
| Net interest margin | 4.8260% | 639 |
| Noninterest income to average assets | 0.0905% | 6,946 |
| Noninterest expense to average assets | 3.3198% | 2,670 |
| Loan and lease loss provision to assets | 0.6417% | 2,570 |
| Net operating income to assets | 0.4367% | 4,377 |
| Return on assets (ROA) | 0.4388% | 4,527 |
| Pretax return on assets | 0.5109% | 4,584 |
| Return on Equity (ROE) | 5.2088% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.2088% | 2,303 |
| Net charge-offs to loans | 0.7036% | 2,901 |
| Credit loss provision to net charge-offs | 123.2394% | 3,373 |
| Earnings coverage of net charge-offs (x) | 2.2089% | 4,072 |
| Efficiency ratio | 74.2685% | 3,341 |
| Assets per employee ($millions) | 2.6140% | 6,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 5,976 |
| Loan loss allowance to noncurrent loans | 222.7758% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 1.4771% | 4,104 |
| Noncurrent loans to loans | 0.4898% | 6,056 |
| Net loans and leases to total assets | 70.0241% | 2,531 |
| Net loans and leases to deposits | 77.7081% | 3,556 |
| Net loans and leases to core deposits | 81.5592% | 3,966 |
| Total domestic deposits to total assets | 90.1117% | 1,029 |
| Equity capital to assets | 8.6938% | 5,595 |
| Core capital (leverage) ratio | 8.2471% | 5,755 |
| Tier 1 risk-based capital ratio | 11.7884% | 5,660 |
| Total risk-based capital ratio | 12.8931% | 5,782 |
| Memoranda: | ||
| Average total assets | $81,811,400 | 5,539 |
| Average earning assets | $74,244,200 | 5,532 |
| Average equity | $6,892,200 | 6,075 |
| Average total loans | $60,542,000 | 5,047 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0782% | 794 |
| Cost of funding earning assets | 1.1988% | 4,870 |
| Net interest margin | 4.8794% | 573 |
| Noninterest income to average assets | 0.1658% | 6,681 |
| Noninterest expense to average assets | 3.2761% | 2,654 |
| Loan and lease loss provision to assets | 0.6341% | 2,404 |
| Net operating income to assets | 0.5985% | 3,885 |
| Return on assets (ROA) | 0.5999% | 4,032 |
| Pretax return on assets | 0.6780% | 4,309 |
| Return on Equity (ROE) | 7.1781% | 3,269 |
| Retained earnings to average equity (ytd only) | 7.1781% | 1,767 |
| Net charge-offs to loans | 0.9282% | 2,141 |
| Credit loss provision to net charge-offs | 91.3349% | 4,710 |
| Earnings coverage of net charge-offs (x) | 1.8876% | 4,293 |
| Efficiency ratio | 71.4286% | 3,814 |
| Assets per employee ($millions) | 2.5835% | 6,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 6,874 |
| Loan loss allowance to noncurrent loans | 357.6642% | 826 |
| Noncurrent assets plus other real estate owned to assets | 1.4759% | 4,241 |
| Noncurrent loans to loans | 0.2399% | 6,694 |
| Net loans and leases to total assets | 70.7038% | 2,565 |
| Net loans and leases to deposits | 79.1286% | 3,614 |
| Net loans and leases to core deposits | 83.7403% | 3,988 |
| Total domestic deposits to total assets | 89.3531% | 1,200 |
| Equity capital to assets | 8.8114% | 5,847 |
| Core capital (leverage) ratio | 8.3605% | 5,772 |
| Tier 1 risk-based capital ratio | 11.9728% | 5,485 |
| Total risk-based capital ratio | 12.8496% | 5,821 |
| Memoranda: | ||
| Average total assets | $82,005,500 | 5,599 |
| Average earning assets | $74,296,750 | 5,597 |
| Average equity | $6,854,000 | 6,163 |
| Average total loans | $61,335,000 | 5,084 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0517% | 846 |
| Cost of funding earning assets | 1.2226% | 5,000 |
| Net interest margin | 4.8290% | 624 |
| Noninterest income to average assets | 0.1476% | 6,842 |
| Noninterest expense to average assets | 3.1872% | 2,951 |
| Loan and lease loss provision to assets | 0.7623% | 1,884 |
| Net operating income to assets | 0.5374% | 4,160 |
| Return on assets (ROA) | 0.5397% | 4,292 |
| Pretax return on assets | 0.5784% | 4,635 |
| Return on Equity (ROE) | 6.5720% | 3,516 |
| Retained earnings to average equity (ytd only) | 6.5720% | 2,036 |
| Net charge-offs to loans | 1.2432% | 1,535 |
| Credit loss provision to net charge-offs | 80.7692% | 4,691 |
| Earnings coverage of net charge-offs (x) | 1.4179% | 4,422 |
| Efficiency ratio | 70.4278% | 4,107 |
| Assets per employee ($millions) | 2.6289% | 6,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7374% | 7,174 |
| Loan loss allowance to noncurrent loans | 339.8496% | 864 |
| Noncurrent assets plus other real estate owned to assets | 1.9007% | 3,618 |
| Noncurrent loans to loans | 0.2170% | 6,810 |
| Net loans and leases to total assets | 74.6555% | 1,776 |
| Net loans and leases to deposits | 83.3909% | 2,995 |
| Net loans and leases to core deposits | 89.3566% | 3,359 |
| Total domestic deposits to total assets | 89.5248% | 1,167 |
| Equity capital to assets | 8.4825% | 6,181 |
| Core capital (leverage) ratio | 8.0728% | 6,163 |
| Tier 1 risk-based capital ratio | 11.0563% | 6,178 |
| Total risk-based capital ratio | 11.8199% | 6,631 |
| Memoranda: | ||
| Average total assets | $82,644,330 | 5,604 |
| Average earning assets | $74,921,670 | 5,613 |
| Average equity | $6,786,330 | 6,208 |
| Average total loans | $62,741,330 | 5,070 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0095% | 964 |
| Cost of funding earning assets | 1.2817% | 4,919 |
| Net interest margin | 4.7278% | 738 |
| Noninterest income to average assets | 0.4086% | 4,835 |
| Noninterest expense to average assets | 3.2253% | 2,772 |
| Loan and lease loss provision to assets | 1.2017% | 1,015 |
| Net operating income to assets | 0.2980% | 5,309 |
| Return on assets (ROA) | 0.3028% | 5,420 |
| Pretax return on assets | 0.2596% | 5,718 |
| Return on Equity (ROE) | 3.7483% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.7483% | 3,903 |
| Net charge-offs to loans | 2.4139% | 692 |
| Credit loss provision to net charge-offs | 65.2742% | 4,196 |
| Earnings coverage of net charge-offs (x) | 0.7911% | 4,329 |
| Efficiency ratio | 68.8912% | 4,528 |
| Assets per employee ($millions) | 2.6231% | 6,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 7,428 |
| Loan loss allowance to noncurrent loans | 91.3953% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 3.0313% | 2,361 |
| Noncurrent loans to loans | 0.7110% | 5,911 |
| Net loans and leases to total assets | 73.8935% | 1,996 |
| Net loans and leases to deposits | 82.7066% | 3,160 |
| Net loans and leases to core deposits | 88.5627% | 3,556 |
| Total domestic deposits to total assets | 89.3442% | 1,335 |
| Equity capital to assets | 8.3058% | 6,293 |
| Core capital (leverage) ratio | 7.7566% | 6,561 |
| Tier 1 risk-based capital ratio | 10.3933% | 6,724 |
| Total risk-based capital ratio | 11.0330% | 7,161 |
| Memoranda: | ||
| Average total assets | $83,218,000 | 5,657 |
| Average earning assets | $75,214,000 | 5,663 |
| Average equity | $6,723,000 | 6,279 |
| Average total loans | $63,465,000 | 5,114 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0928% | 1,536 |
| Cost of funding earning assets | 1.7628% | 4,189 |
| Net interest margin | 4.3300% | 1,633 |
| Noninterest income to average assets | 0.1360% | 7,075 |
| Noninterest expense to average assets | 3.1496% | 3,548 |
| Loan and lease loss provision to assets | 0.6388% | 3,246 |
| Net operating income to assets | 0.3481% | 4,329 |
| Return on assets (ROA) | 0.3493% | 4,420 |
| Pretax return on assets | 0.3048% | 4,744 |
| Return on Equity (ROE) | 4.5571% | 3,856 |
| Retained earnings to average equity (ytd only) | 4.5571% | 2,064 |
| Net charge-offs to loans | 1.2429% | 1,985 |
| Credit loss provision to net charge-offs | 66.0606% | 6,555 |
| Earnings coverage of net charge-offs (x) | 0.9745% | 5,142 |
| Efficiency ratio | 76.9693% | 3,364 |
| Assets per employee ($millions) | 2.5794% | 7,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 7,148 |
| Loan loss allowance to noncurrent loans | 74.1210% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 2.6892% | 2,606 |
| Noncurrent loans to loans | 1.0700% | 5,178 |
| Net loans and leases to total assets | 77.4469% | 1,496 |
| Net loans and leases to deposits | 91.4466% | 1,978 |
| Net loans and leases to core deposits | 111.4998% | 2,748 |
| Total domestic deposits to total assets | 84.6908% | 3,712 |
| Equity capital to assets | 7.8619% | 6,710 |
| Core capital (leverage) ratio | 7.5960% | 6,687 |
| Tier 1 risk-based capital ratio | 9.7401% | 7,070 |
| Total risk-based capital ratio | 10.5520% | 7,324 |
| Memoranda: | ||
| Average total assets | $85,312,800 | 5,550 |
| Average earning assets | $77,944,600 | 5,530 |
| Average equity | $6,539,200 | 6,409 |
| Average total loans | $66,376,000 | 5,006 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0643% | 1,783 |
| Cost of funding earning assets | 1.8674% | 4,061 |
| Net interest margin | 4.1969% | 2,072 |
| Noninterest income to average assets | 0.3046% | 6,045 |
| Noninterest expense to average assets | 3.2926% | 2,946 |
| Loan and lease loss provision to assets | 0.7341% | 2,546 |
| Net operating income to assets | 0.0734% | 5,546 |
| Return on assets (ROA) | 0.0734% | 5,588 |
| Pretax return on assets | 0.1218% | 5,479 |
| Return on Equity (ROE) | 0.9640% | 5,508 |
| Retained earnings to average equity (ytd only) | 0.9640% | 4,771 |
| Net charge-offs to loans | 1.4949% | 1,372 |
| Credit loss provision to net charge-offs | 63.1720% | 6,119 |
| Earnings coverage of net charge-offs (x) | 0.7366% | 5,302 |
| Efficiency ratio | 79.3675% | 2,942 |
| Assets per employee ($millions) | 2.5476% | 7,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 7,075 |
| Loan loss allowance to noncurrent loans | 65.6404% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 3.3258% | 2,028 |
| Noncurrent loans to loans | 1.2419% | 4,869 |
| Net loans and leases to total assets | 77.1405% | 1,759 |
| Net loans and leases to deposits | 87.4629% | 3,068 |
| Net loans and leases to core deposits | 107.7723% | 3,498 |
| Total domestic deposits to total assets | 88.1979% | 1,563 |
| Equity capital to assets | 7.6627% | 7,179 |
| Core capital (leverage) ratio | 7.1716% | 7,286 |
| Tier 1 risk-based capital ratio | 9.5812% | 7,318 |
| Total risk-based capital ratio | 10.4223% | 7,550 |
| Memoranda: | ||
| Average total assets | $85,361,250 | 5,576 |
| Average earning assets | $78,182,000 | 5,553 |
| Average equity | $6,501,000 | 6,486 |
| Average total loans | $66,357,750 | 5,049 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0098% | 2,143 |
| Cost of funding earning assets | 1.9736% | 3,897 |
| Net interest margin | 4.0362% | 2,549 |
| Noninterest income to average assets | 0.2518% | 6,481 |
| Noninterest expense to average assets | 3.0306% | 3,963 |
| Loan and lease loss provision to assets | 0.2914% | 4,241 |
| Net operating income to assets | 0.5339% | 3,967 |
| Return on assets (ROA) | 0.5339% | 4,071 |
| Pretax return on assets | 0.6294% | 4,237 |
| Return on Equity (ROE) | 7.0238% | 3,195 |
| Retained earnings to average equity (ytd only) | 7.0238% | 1,576 |
| Net charge-offs to loans | 0.7378% | 2,202 |
| Credit loss provision to net charge-offs | 50.8130% | 5,752 |
| Earnings coverage of net charge-offs (x) | 1.6057% | 4,339 |
| Efficiency ratio | 76.6962% | 3,566 |
| Assets per employee ($millions) | 2.5937% | 7,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 5,969 |
| Loan loss allowance to noncurrent loans | 37.1011% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 4.0109% | 1,476 |
| Noncurrent loans to loans | 2.8022% | 2,571 |
| Net loans and leases to total assets | 76.2898% | 2,111 |
| Net loans and leases to deposits | 85.5671% | 3,629 |
| Net loans and leases to core deposits | 104.4634% | 4,014 |
| Total domestic deposits to total assets | 89.1579% | 1,195 |
| Equity capital to assets | 7.7425% | 7,035 |
| Core capital (leverage) ratio | 7.3674% | 7,165 |
| Tier 1 risk-based capital ratio | 9.4935% | 7,391 |
| Total risk-based capital ratio | 10.5350% | 7,539 |
| Memoranda: | ||
| Average total assets | $85,791,670 | 5,586 |
| Average earning assets | $78,637,670 | 5,575 |
| Average equity | $6,520,670 | 6,525 |
| Average total loans | $66,682,000 | 5,082 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9911% | 2,400 |
| Cost of funding earning assets | 2.0325% | 3,972 |
| Net interest margin | 3.9586% | 2,818 |
| Noninterest income to average assets | 0.3027% | 6,015 |
| Noninterest expense to average assets | 2.8827% | 4,218 |
| Loan and lease loss provision to assets | 0.2329% | 4,124 |
| Net operating income to assets | 0.6799% | 3,663 |
| Return on assets (ROA) | 0.6799% | 3,848 |
| Pretax return on assets | 0.8243% | 3,989 |
| Return on Equity (ROE) | 9.0298% | 2,709 |
| Retained earnings to average equity (ytd only) | 9.0298% | 1,474 |
| Net charge-offs to loans | 0.5609% | 2,066 |
| Credit loss provision to net charge-offs | 53.1915% | 4,626 |
| Earnings coverage of net charge-offs (x) | 2.4149% | 3,523 |
| Efficiency ratio | 73.1678% | 3,979 |
| Assets per employee ($millions) | 2.4501% | 7,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 4,950 |
| Loan loss allowance to noncurrent loans | 28.4383% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 4.5676% | 1,047 |
| Noncurrent loans to loans | 4.1408% | 1,441 |
| Net loans and leases to total assets | 76.8633% | 2,074 |
| Net loans and leases to deposits | 88.9740% | 3,112 |
| Net loans and leases to core deposits | 109.5015% | 3,498 |
| Total domestic deposits to total assets | 86.3886% | 2,504 |
| Equity capital to assets | 7.8579% | 6,996 |
| Core capital (leverage) ratio | 7.3256% | 7,351 |
| Tier 1 risk-based capital ratio | 9.6347% | 7,304 |
| Total risk-based capital ratio | 10.8263% | 7,297 |
| Memoranda: | ||
| Average total assets | $85,891,500 | 5,608 |
| Average earning assets | $78,917,500 | 5,589 |
| Average equity | $6,467,500 | 6,592 |
| Average total loans | $67,031,000 | 5,092 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3835% | 3,504 |
| Cost of funding earning assets | 2.7608% | 2,875 |
| Net interest margin | 3.6227% | 4,772 |
| Noninterest income to average assets | 0.3717% | 5,728 |
| Noninterest expense to average assets | 2.9069% | 4,427 |
| Loan and lease loss provision to assets | 0.7329% | 2,020 |
| Net operating income to assets | -0.0073% | 6,380 |
| Return on assets (ROA) | -0.0058% | 6,244 |
| Pretax return on assets | 0.0748% | 6,000 |
| Return on Equity (ROE) | -0.0762% | 6,246 |
| Retained earnings to average equity (ytd only) | -1.2948% | 5,680 |
| Net charge-offs to loans | 1.0906% | 1,117 |
| Credit loss provision to net charge-offs | 86.8421% | 5,746 |
| Earnings coverage of net charge-offs (x) | 0.9543% | 5,655 |
| Efficiency ratio | 78.3060% | 2,870 |
| Assets per employee ($millions) | 2.6023% | 6,996 |
| Cash dividends to net income (ytd only)* | -1,600.0000% | 8,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 4,815 |
| Loan loss allowance to noncurrent loans | 24.7546% | 7,018 |
| Noncurrent assets plus other real estate owned to assets | 4.1423% | 968 |
| Noncurrent loans to loans | 4.7064% | 986 |
| Net loans and leases to total assets | 77.3763% | 2,295 |
| Net loans and leases to deposits | 97.3038% | 2,232 |
| Net loans and leases to core deposits | 119.6243% | 2,728 |
| Total domestic deposits to total assets | 79.5203% | 5,194 |
| Equity capital to assets | 7.2210% | 7,609 |
| Core capital (leverage) ratio | 7.0478% | 7,656 |
| Tier 1 risk-based capital ratio | 8.8046% | 7,907 |
| Total risk-based capital ratio | 9.9841% | 8,013 |
| Memoranda: | ||
| Average total assets | $85,555,800 | 5,498 |
| Average earning assets | $78,890,400 | 5,467 |
| Average equity | $6,564,600 | 6,616 |
| Average total loans | $66,202,400 | 5,010 |