Home > MINNESOTA LAKES BANK > Performance and Condition Ratios
MINNESOTA LAKES BANK, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 3,014 |
| Cost of funding earning assets | 0.3204% | 4,363 |
| Net interest margin | 4.2275% | 894 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 3.5930% | 515 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9430% | 2,393 |
| Return on assets (ROA) | 0.9430% | 2,381 |
| Pretax return on assets | 1.0169% | 2,631 |
| Return on Equity (ROE) | 11.2300% | 2,165 |
| Retained earnings to average equity (ytd only) | 5.3607% | 2,462 |
| Net charge-offs to loans | 0.0305% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 65.6364% | 1,137 |
| Efficiency ratio | 75.9242% | 1,250 |
| Assets per employee ($millions) | 6.4208% | 2,466 |
| Cash dividends to net income (ytd only)* | 52.2778% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7243% | 4,088 |
| Loan loss allowance to noncurrent loans | 195.4386% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 2,218 |
| Noncurrent loans to loans | 0.3706% | 1,875 |
| Net loans and leases to total assets | 54.0400% | 3,346 |
| Net loans and leases to deposits | 59.9720% | 3,525 |
| Net loans and leases to core deposits | 61.1852% | 3,720 |
| Total domestic deposits to total assets | 90.1200% | 725 |
| Equity capital to assets | 9.1387% | 2,581 |
| Core capital (leverage) ratio | 8.7255% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5357% | 1,672 |
| Memoranda: | ||
| Average total assets | $141,996,800 | 3,442 |
| Average earning assets | $132,656,400 | 3,422 |
| Average equity | $11,920,000 | 3,533 |
| Average total loans | $72,227,400 | 3,519 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3522% | 3,193 |
| Cost of funding earning assets | 0.2847% | 4,377 |
| Net interest margin | 4.0675% | 1,123 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 3.6188% | 488 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7980% | 3,028 |
| Return on assets (ROA) | 0.7980% | 3,026 |
| Pretax return on assets | 0.8449% | 3,230 |
| Return on Equity (ROE) | 9.7200% | 2,728 |
| Retained earnings to average equity (ytd only) | 3.7237% | 3,334 |
| Net charge-offs to loans | 0.0450% | 1,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 37.5417% | 1,488 |
| Efficiency ratio | 78.9916% | 932 |
| Assets per employee ($millions) | 6.2966% | 2,496 |
| Cash dividends to net income (ytd only)* | 61.6921% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 4,033 |
| Loan loss allowance to noncurrent loans | 132.9238% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 1,834 |
| Noncurrent loans to loans | 0.5800% | 1,383 |
| Net loans and leases to total assets | 50.2700% | 3,599 |
| Net loans and leases to deposits | 55.4626% | 3,736 |
| Net loans and leases to core deposits | 60.6661% | 3,674 |
| Total domestic deposits to total assets | 90.6400% | 767 |
| Equity capital to assets | 8.6280% | 2,646 |
| Core capital (leverage) ratio | 8.2991% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8567% | 1,605 |
| Memoranda: | ||
| Average total assets | $142,181,750 | 3,446 |
| Average earning assets | $133,018,000 | 3,423 |
| Average equity | $11,672,750 | 3,559 |
| Average total loans | $71,059,500 | 3,539 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 3,455 |
| Cost of funding earning assets | 0.2205% | 4,407 |
| Net interest margin | 3.8963% | 1,436 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 3.5844% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6583% | 3,437 |
| Return on assets (ROA) | 0.6583% | 3,442 |
| Pretax return on assets | 0.6862% | 3,628 |
| Return on Equity (ROE) | 8.1500% | 3,201 |
| Retained earnings to average equity (ytd only) | 2.1071% | 3,703 |
| Net charge-offs to loans | 0.0308% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 44.7273% | 1,340 |
| Efficiency ratio | 81.7766% | 723 |
| Assets per employee ($millions) | 6.9123% | 1,997 |
| Cash dividends to net income (ytd only)* | 74.1525% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 3,977 |
| Loan loss allowance to noncurrent loans | 354.2683% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 2,789 |
| Noncurrent loans to loans | 0.2310% | 2,340 |
| Net loans and leases to total assets | 46.3100% | 3,778 |
| Net loans and leases to deposits | 50.4481% | 3,904 |
| Net loans and leases to core deposits | 54.4536% | 3,874 |
| Total domestic deposits to total assets | 91.7900% | 457 |
| Equity capital to assets | 7.6688% | 3,424 |
| Core capital (leverage) ratio | 8.8123% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4833% | 1,732 |
| Memoranda: | ||
| Average total assets | $143,400,667 | 3,443 |
| Average earning assets | $134,228,333 | 3,420 |
| Average equity | $11,579,667 | 3,582 |
| Average total loans | $71,354,000 | 3,541 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 3,147 |
| Cost of funding earning assets | 0.1139% | 4,516 |
| Net interest margin | 4.0324% | 1,208 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 3.6990% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5868% | 3,716 |
| Return on assets (ROA) | 0.5868% | 3,683 |
| Pretax return on assets | 0.5580% | 3,910 |
| Return on Equity (ROE) | 7.0700% | 3,499 |
| Retained earnings to average equity (ytd only) | 1.0053% | 3,864 |
| Net charge-offs to loans | 0.0615% | 761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 17.6364% | 1,499 |
| Efficiency ratio | 84.6622% | 561 |
| Assets per employee ($millions) | 5.3020% | 3,417 |
| Cash dividends to net income (ytd only)* | 85.7843% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 4,051 |
| Loan loss allowance to noncurrent loans | 355.4878% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 2,641 |
| Noncurrent loans to loans | 0.2307% | 2,349 |
| Net loans and leases to total assets | 53.1900% | 3,266 |
| Net loans and leases to deposits | 58.6968% | 3,412 |
| Net loans and leases to core deposits | 58.9560% | 3,585 |
| Total domestic deposits to total assets | 90.6100% | 940 |
| Equity capital to assets | 8.8631% | 2,622 |
| Core capital (leverage) ratio | 8.3962% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6571% | 1,746 |
| Memoranda: | ||
| Average total assets | $139,066,000 | 3,528 |
| Average earning assets | $129,946,000 | 3,506 |
| Average equity | $11,538,500 | 3,617 |
| Average total loans | $71,530,000 | 3,580 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4959% | 2,631 |
| Cost of funding earning assets | 0.0371% | 4,622 |
| Net interest margin | 3.4588% | 1,781 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 3.5744% | 457 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3971% | 4,245 |
| Return on assets (ROA) | 0.3971% | 4,192 |
| Pretax return on assets | 0.4818% | 4,174 |
| Return on Equity (ROE) | 4.9000% | 3,999 |
| Retained earnings to average equity (ytd only) | -0.8805% | 4,415 |
| Net charge-offs to loans | 0.0166% | 1,520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 1,174 |
| Efficiency ratio | 85.9437% | 462 |
| Assets per employee ($millions) | 5.9039% | 2,841 |
| Cash dividends to net income (ytd only)* | 117.9775% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 4,036 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 49.4100% | 3,502 |
| Net loans and leases to deposits | 53.7005% | 3,619 |
| Net loans and leases to core deposits | 54.0119% | 3,743 |
| Total domestic deposits to total assets | 92.0100% | 870 |
| Equity capital to assets | 7.5394% | 3,194 |
| Core capital (leverage) ratio | 7.5399% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2142% | 1,973 |
| Memoranda: | ||
| Average total assets | $149,427,250 | 3,477 |
| Average earning assets | $140,161,000 | 3,443 |
| Average equity | $12,113,500 | 3,702 |
| Average total loans | $72,342,500 | 3,547 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2723% | 2,824 |
| Cost of funding earning assets | 0.0384% | 4,661 |
| Net interest margin | 3.2339% | 2,094 |
| Noninterest income to average assets | 0.8398% | 967 |
| Noninterest expense to average assets | 3.5924% | 396 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1986% | 4,422 |
| Return on assets (ROA) | 0.1986% | 4,383 |
| Pretax return on assets | 0.2813% | 4,319 |
| Return on Equity (ROE) | 2.3951% | 4,310 |
| Retained earnings to average equity (ytd only) | -3.2310% | 4,465 |
| Net charge-offs to loans | 0.0222% | 1,281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 26.3750% | 1,448 |
| Efficiency ratio | 90.4680% | 386 |
| Assets per employee ($millions) | 5.4704% | 3,259 |
| Cash dividends to net income (ytd only)* | 234.8993% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8068% | 4,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 50.4469% | 3,329 |
| Net loans and leases to deposits | 55.0141% | 3,466 |
| Net loans and leases to core deposits | 55.3336% | 3,625 |
| Total domestic deposits to total assets | 91.6980% | 963 |
| Equity capital to assets | 7.8917% | 3,206 |
| Core capital (leverage) ratio | 7.4949% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8763% | 2,109 |
| Memoranda: | ||
| Average total assets | $150,037,333 | 3,497 |
| Average earning assets | $140,757,333 | 3,485 |
| Average equity | $12,442,000 | 3,742 |
| Average total loans | $71,945,667 | 3,586 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0022% | 3,251 |
| Cost of funding earning assets | 0.0395% | 4,660 |
| Net interest margin | 2.9627% | 2,629 |
| Noninterest income to average assets | 0.7883% | 1,073 |
| Noninterest expense to average assets | 3.4073% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0820% | 4,489 |
| Return on assets (ROA) | 0.0820% | 4,463 |
| Pretax return on assets | 0.1614% | 4,373 |
| Return on Equity (ROE) | 0.9661% | 4,430 |
| Retained earnings to average equity (ytd only) | -4.4877% | 4,401 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0319% | 421 |
| Assets per employee ($millions) | 5.7299% | 3,085 |
| Cash dividends to net income (ytd only)* | 564.5161% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 4,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 46.7737% | 3,511 |
| Net loans and leases to deposits | 51.2277% | 3,630 |
| Net loans and leases to core deposits | 51.5239% | 3,767 |
| Total domestic deposits to total assets | 91.3054% | 884 |
| Equity capital to assets | 8.2832% | 3,338 |
| Core capital (leverage) ratio | 7.3425% | 4,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5874% | 1,958 |
| Memoranda: | ||
| Average total assets | $151,206,000 | 3,499 |
| Average earning assets | $141,898,000 | 3,491 |
| Average equity | $12,835,000 | 3,778 |
| Average total loans | $70,360,500 | 3,612 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 2,270 |
| Cost of funding earning assets | 0.1136% | 4,281 |
| Net interest margin | 3.5291% | 1,655 |
| Noninterest income to average assets | 1.1390% | 810 |
| Noninterest expense to average assets | 3.4989% | 473 |
| Loan and lease loss provision to assets | -0.0403% | 4,313 |
| Net operating income to assets | 0.8866% | 3,093 |
| Return on assets (ROA) | 0.8866% | 3,155 |
| Pretax return on assets | 0.9739% | 3,333 |
| Return on Equity (ROE) | 9.9338% | 2,545 |
| Retained earnings to average equity (ytd only) | 4.6699% | 2,937 |
| Net charge-offs to loans | -0.0421% | 4,242 |
| Credit loss provision to net charge-offs | 176.4706% | 1,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9382% | 1,031 |
| Assets per employee ($millions) | 5.9013% | 2,862 |
| Cash dividends to net income (ytd only)* | 52.9902% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 4,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 45.4987% | 3,724 |
| Net loans and leases to deposits | 50.0911% | 3,870 |
| Net loans and leases to core deposits | 50.2769% | 4,003 |
| Total domestic deposits to total assets | 90.8319% | 564 |
| Equity capital to assets | 8.6877% | 3,898 |
| Core capital (leverage) ratio | 7.5479% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1880% | 1,782 |
| Memoranda: | ||
| Average total assets | $148,988,600 | 3,491 |
| Average earning assets | $139,042,600 | 3,484 |
| Average equity | $13,298,000 | 3,804 |
| Average total loans | $80,740,600 | 3,471 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8524% | 1,906 |
| Cost of funding earning assets | 0.1345% | 4,235 |
| Net interest margin | 3.7179% | 1,300 |
| Noninterest income to average assets | 1.1424% | 873 |
| Noninterest expense to average assets | 3.4523% | 489 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1541% | 2,348 |
| Return on assets (ROA) | 1.1541% | 2,407 |
| Pretax return on assets | 1.1541% | 3,066 |
| Return on Equity (ROE) | 12.8414% | 1,744 |
| Retained earnings to average equity (ytd only) | 7.5744% | 2,189 |
| Net charge-offs to loans | -0.0448% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0084% | 1,304 |
| Assets per employee ($millions) | 5.3977% | 3,311 |
| Cash dividends to net income (ytd only)* | 41.0156% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 3,981 |
| Loan loss allowance to noncurrent loans | 902.7027% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,802 |
| Noncurrent loans to loans | 0.1061% | 3,562 |
| Net loans and leases to total assets | 47.3778% | 3,684 |
| Net loans and leases to deposits | 52.5116% | 3,843 |
| Net loans and leases to core deposits | 52.7181% | 4,001 |
| Total domestic deposits to total assets | 90.2235% | 672 |
| Equity capital to assets | 9.3566% | 3,504 |
| Core capital (leverage) ratio | 7.8310% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7125% | 1,719 |
| Memoranda: | ||
| Average total assets | $147,877,000 | 3,535 |
| Average earning assets | $137,780,250 | 3,531 |
| Average equity | $13,290,000 | 3,857 |
| Average total loans | $83,319,500 | 3,469 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 2,231 |
| Cost of funding earning assets | 0.1661% | 4,079 |
| Net interest margin | 3.5743% | 1,653 |
| Noninterest income to average assets | 1.1468% | 864 |
| Noninterest expense to average assets | 3.3717% | 557 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1051% | 2,528 |
| Return on assets (ROA) | 1.1051% | 2,595 |
| Pretax return on assets | 1.1051% | 3,196 |
| Return on Equity (ROE) | 12.4633% | 1,888 |
| Retained earnings to average equity (ytd only) | 7.1501% | 2,372 |
| Net charge-offs to loans | 0.0023% | 2,123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 821.0000% | 167 |
| Efficiency ratio | 73.3313% | 1,303 |
| Assets per employee ($millions) | 5.5627% | 3,046 |
| Cash dividends to net income (ytd only)* | 42.6309% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 4,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 2,625 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 58.2725% | 2,636 |
| Net loans and leases to deposits | 64.7175% | 2,928 |
| Net loans and leases to core deposits | 64.9729% | 3,195 |
| Total domestic deposits to total assets | 90.0414% | 756 |
| Equity capital to assets | 9.2423% | 3,569 |
| Core capital (leverage) ratio | 7.6040% | 4,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5201% | 1,798 |
| Memoranda: | ||
| Average total assets | $148,590,333 | 3,540 |
| Average earning assets | $138,432,000 | 3,532 |
| Average equity | $13,174,667 | 3,876 |
| Average total loans | $87,854,333 | 3,429 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8611% | 4,302 |
| Cost of funding earning assets | 0.2505% | 3,470 |
| Net interest margin | 2.6105% | 4,130 |
| Noninterest income to average assets | 2.0296% | 367 |
| Noninterest expense to average assets | 3.3499% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1158% | 2,425 |
| Return on assets (ROA) | 1.1158% | 2,504 |
| Pretax return on assets | 1.1158% | 3,075 |
| Return on Equity (ROE) | 12.8455% | 1,717 |
| Retained earnings to average equity (ytd only) | 7.4932% | 2,414 |
| Net charge-offs to loans | -0.0045% | 3,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0518% | 1,399 |
| Assets per employee ($millions) | 5.7535% | 2,847 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 4,512 |
| Loan loss allowance to noncurrent loans | 251.3725% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 2,075 |
| Noncurrent loans to loans | 0.2919% | 3,058 |
| Net loans and leases to total assets | 60.2988% | 2,512 |
| Net loans and leases to deposits | 66.8074% | 2,831 |
| Net loans and leases to core deposits | 67.0719% | 3,153 |
| Total domestic deposits to total assets | 90.2577% | 693 |
| Equity capital to assets | 9.1513% | 3,542 |
| Core capital (leverage) ratio | 7.2487% | 4,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5965% | 2,045 |
| Memoranda: | ||
| Average total assets | $150,571,000 | 3,522 |
| Average earning assets | $140,507,000 | 3,512 |
| Average equity | $13,078,500 | 3,897 |
| Average total loans | $89,341,000 | 3,421 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3686% | 4,241 |
| Cost of funding earning assets | 0.1923% | 4,603 |
| Net interest margin | 3.1763% | 3,416 |
| Noninterest income to average assets | 1.6790% | 446 |
| Noninterest expense to average assets | 3.6705% | 549 |
| Loan and lease loss provision to assets | 0.0220% | 4,121 |
| Net operating income to assets | 0.9319% | 2,553 |
| Return on assets (ROA) | 0.9334% | 2,695 |
| Pretax return on assets | 0.9334% | 3,273 |
| Return on Equity (ROE) | 9.9186% | 2,031 |
| Retained earnings to average equity (ytd only) | 4.4602% | 2,559 |
| Net charge-offs to loans | -0.0442% | 4,643 |
| Credit loss provision to net charge-offs | -83.3333% | 3,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2771% | 1,102 |
| Assets per employee ($millions) | 5.8261% | 2,517 |
| Cash dividends to net income (ytd only)* | 55.0314% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7020% | 4,585 |
| Loan loss allowance to noncurrent loans | 1,165.4545% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 2,920 |
| Noncurrent loans to loans | 0.0602% | 4,053 |
| Net loans and leases to total assets | 57.6383% | 3,131 |
| Net loans and leases to deposits | 73.9332% | 2,492 |
| Net loans and leases to core deposits | 74.0891% | 2,908 |
| Total domestic deposits to total assets | 77.9600% | 4,323 |
| Equity capital to assets | 8.2604% | 4,596 |
| Core capital (leverage) ratio | 7.5288% | 4,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,274,400 | 3,554 |
| Average earning assets | $126,373,800 | 3,552 |
| Average equity | $12,824,400 | 3,878 |
| Average total loans | $81,373,000 | 3,533 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5223% | 4,168 |
| Cost of funding earning assets | 0.2114% | 4,628 |
| Net interest margin | 3.3109% | 3,156 |
| Noninterest income to average assets | 2.1808% | 293 |
| Noninterest expense to average assets | 3.7409% | 490 |
| Loan and lease loss provision to assets | 0.0305% | 3,951 |
| Net operating income to assets | 1.4695% | 963 |
| Return on assets (ROA) | 1.4746% | 1,036 |
| Pretax return on assets | 1.4746% | 1,503 |
| Return on Equity (ROE) | 15.1146% | 674 |
| Retained earnings to average equity (ytd only) | 9.6383% | 843 |
| Net charge-offs to loans | -0.0761% | 4,774 |
| Credit loss provision to net charge-offs | -66.6667% | 3,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4563% | 1,967 |
| Assets per employee ($millions) | 5.7455% | 2,502 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7083% | 4,566 |
| Loan loss allowance to noncurrent loans | 58.8235% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 1,239 |
| Noncurrent loans to loans | 1.2040% | 1,264 |
| Net loans and leases to total assets | 56.6427% | 3,557 |
| Net loans and leases to deposits | 75.9487% | 2,756 |
| Net loans and leases to core deposits | 76.1124% | 3,156 |
| Total domestic deposits to total assets | 74.5803% | 4,537 |
| Equity capital to assets | 8.3164% | 4,565 |
| Core capital (leverage) ratio | 7.8753% | 4,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,016,750 | 3,603 |
| Average earning assets | $121,093,500 | 3,608 |
| Average equity | $12,782,000 | 3,888 |
| Average total loans | $78,889,000 | 3,596 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 3,732 |
| Cost of funding earning assets | 0.2409% | 4,651 |
| Net interest margin | 3.6137% | 2,440 |
| Noninterest income to average assets | 2.6168% | 209 |
| Noninterest expense to average assets | 4.0260% | 396 |
| Loan and lease loss provision to assets | 0.0496% | 3,682 |
| Net operating income to assets | 1.8618% | 438 |
| Return on assets (ROA) | 1.8701% | 474 |
| Pretax return on assets | 1.8701% | 709 |
| Return on Equity (ROE) | 17.9925% | 367 |
| Retained earnings to average equity (ytd only) | 12.4295% | 407 |
| Net charge-offs to loans | -0.0054% | 4,030 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9711% | 2,519 |
| Assets per employee ($millions) | 6.2563% | 1,986 |
| Cash dividends to net income (ytd only)* | 30.9187% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6659% | 4,643 |
| Loan loss allowance to noncurrent loans | 235.2713% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 2,566 |
| Noncurrent loans to loans | 0.2830% | 3,364 |
| Net loans and leases to total assets | 57.8954% | 3,523 |
| Net loans and leases to deposits | 78.2789% | 2,624 |
| Net loans and leases to core deposits | 78.4538% | 3,071 |
| Total domestic deposits to total assets | 73.9604% | 4,598 |
| Equity capital to assets | 8.4663% | 4,496 |
| Core capital (leverage) ratio | 8.6903% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,064,000 | 3,711 |
| Average earning assets | $111,242,333 | 3,719 |
| Average equity | $12,583,000 | 3,920 |
| Average total loans | $74,594,000 | 3,671 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5810% | 2,056 |
| Cost of funding earning assets | 0.3071% | 4,637 |
| Net interest margin | 4.2739% | 803 |
| Noninterest income to average assets | 1.1722% | 637 |
| Noninterest expense to average assets | 4.5226% | 299 |
| Loan and lease loss provision to assets | 0.0580% | 3,033 |
| Net operating income to assets | 0.4681% | 3,977 |
| Return on assets (ROA) | 0.4875% | 3,982 |
| Pretax return on assets | 0.4875% | 4,143 |
| Return on Equity (ROE) | 4.1131% | 3,919 |
| Retained earnings to average equity (ytd only) | -1.5995% | 4,209 |
| Net charge-offs to loans | -0.0060% | 3,913 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0498% | 631 |
| Assets per employee ($millions) | 3.6621% | 4,321 |
| Cash dividends to net income (ytd only)* | 138.8889% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 4,092 |
| Loan loss allowance to noncurrent loans | 1,555.2632% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 2,672 |
| Noncurrent loans to loans | 0.0581% | 4,318 |
| Net loans and leases to total assets | 63.2013% | 3,167 |
| Net loans and leases to deposits | 74.0572% | 3,270 |
| Net loans and leases to core deposits | 74.2762% | 3,617 |
| Total domestic deposits to total assets | 85.3412% | 2,270 |
| Equity capital to assets | 11.9574% | 2,101 |
| Core capital (leverage) ratio | 9.4194% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,392,000 | 3,940 |
| Average earning assets | $93,779,000 | 3,970 |
| Average equity | $12,253,500 | 3,968 |
| Average total loans | $66,311,000 | 3,836 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 2,476 |
| Cost of funding earning assets | 0.4157% | 4,389 |
| Net interest margin | 4.2317% | 1,253 |
| Noninterest income to average assets | 1.3422% | 528 |
| Noninterest expense to average assets | 4.3954% | 337 |
| Loan and lease loss provision to assets | 0.1435% | 1,486 |
| Net operating income to assets | 0.6384% | 4,048 |
| Return on assets (ROA) | 0.6394% | 4,108 |
| Pretax return on assets | 0.6394% | 4,349 |
| Return on Equity (ROE) | 5.4707% | 4,073 |
| Retained earnings to average equity (ytd only) | 0.7935% | 4,461 |
| Net charge-offs to loans | 0.0650% | 2,167 |
| Credit loss provision to net charge-offs | 350.0000% | 795 |
| Earnings coverage of net charge-offs (x) | 19.0714% | 2,020 |
| Efficiency ratio | 82.4095% | 776 |
| Assets per employee ($millions) | 3.7230% | 4,242 |
| Cash dividends to net income (ytd only)* | 85.4962% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8553% | 4,138 |
| Loan loss allowance to noncurrent loans | 284.6535% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 2,101 |
| Noncurrent loans to loans | 0.3005% | 3,356 |
| Net loans and leases to total assets | 63.9359% | 3,211 |
| Net loans and leases to deposits | 74.7935% | 3,281 |
| Net loans and leases to core deposits | 75.0082% | 3,645 |
| Total domestic deposits to total assets | 85.4832% | 2,302 |
| Equity capital to assets | 11.7473% | 2,319 |
| Core capital (leverage) ratio | 9.3183% | 4,262 |
| Tier 1 risk-based capital ratio | 12.4504% | 4,108 |
| Total risk-based capital ratio | 13.2034% | 4,271 |
| Memoranda: | ||
| Average total assets | $102,447,200 | 3,963 |
| Average earning assets | $92,847,000 | 4,001 |
| Average equity | $11,972,800 | 4,001 |
| Average total loans | $64,571,400 | 3,892 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 2,666 |
| Cost of funding earning assets | 0.4331% | 4,391 |
| Net interest margin | 4.1851% | 1,405 |
| Noninterest income to average assets | 1.2118% | 622 |
| Noninterest expense to average assets | 4.3412% | 350 |
| Loan and lease loss provision to assets | 0.1922% | 930 |
| Net operating income to assets | 0.4680% | 4,588 |
| Return on assets (ROA) | 0.4693% | 4,622 |
| Pretax return on assets | 0.4693% | 4,734 |
| Return on Equity (ROE) | 4.0207% | 4,588 |
| Retained earnings to average equity (ytd only) | -0.6832% | 4,830 |
| Net charge-offs to loans | 0.0876% | 1,593 |
| Credit loss provision to net charge-offs | 350.0000% | 859 |
| Earnings coverage of net charge-offs (x) | 12.0236% | 2,398 |
| Efficiency ratio | 84.2133% | 601 |
| Assets per employee ($millions) | 3.7151% | 4,262 |
| Cash dividends to net income (ytd only)* | 116.9936% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 4,174 |
| Loan loss allowance to noncurrent loans | 1,247.8261% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 2,719 |
| Noncurrent loans to loans | 0.0695% | 4,325 |
| Net loans and leases to total assets | 63.0953% | 3,378 |
| Net loans and leases to deposits | 75.3571% | 3,359 |
| Net loans and leases to core deposits | 75.5784% | 3,724 |
| Total domestic deposits to total assets | 83.7284% | 2,922 |
| Equity capital to assets | 11.5793% | 2,605 |
| Core capital (leverage) ratio | 9.4233% | 4,260 |
| Tier 1 risk-based capital ratio | 12.2454% | 4,285 |
| Total risk-based capital ratio | 12.9998% | 4,440 |
| Memoranda: | ||
| Average total assets | $101,997,750 | 4,008 |
| Average earning assets | $92,358,000 | 4,049 |
| Average equity | $11,904,500 | 4,051 |
| Average total loans | $63,908,000 | 3,954 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 2,911 |
| Cost of funding earning assets | 0.4440% | 4,347 |
| Net interest margin | 4.0877% | 1,645 |
| Noninterest income to average assets | 1.0896% | 716 |
| Noninterest expense to average assets | 4.2557% | 383 |
| Loan and lease loss provision to assets | 0.2309% | 703 |
| Net operating income to assets | 0.3099% | 4,864 |
| Return on assets (ROA) | 0.3099% | 4,875 |
| Pretax return on assets | 0.3099% | 4,923 |
| Return on Equity (ROE) | 2.6481% | 4,851 |
| Retained earnings to average equity (ytd only) | -2.0746% | 4,916 |
| Net charge-offs to loans | 0.1299% | 1,162 |
| Credit loss provision to net charge-offs | 285.3659% | 935 |
| Earnings coverage of net charge-offs (x) | 6.6829% | 2,547 |
| Efficiency ratio | 86.0082% | 547 |
| Assets per employee ($millions) | 3.6721% | 4,280 |
| Cash dividends to net income (ytd only)* | 178.3439% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 4,339 |
| Loan loss allowance to noncurrent loans | 397.8102% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.5447% | 2,375 |
| Noncurrent loans to loans | 0.2085% | 3,798 |
| Net loans and leases to total assets | 63.3858% | 3,408 |
| Net loans and leases to deposits | 75.6978% | 3,360 |
| Net loans and leases to core deposits | 76.1747% | 3,714 |
| Total domestic deposits to total assets | 83.7353% | 2,973 |
| Equity capital to assets | 11.6546% | 2,485 |
| Core capital (leverage) ratio | 9.4164% | 4,228 |
| Tier 1 risk-based capital ratio | 12.2715% | 4,256 |
| Total risk-based capital ratio | 12.9967% | 4,448 |
| Memoranda: | ||
| Average total assets | $101,323,000 | 4,046 |
| Average earning assets | $91,885,000 | 4,076 |
| Average equity | $11,857,670 | 4,065 |
| Average total loans | $63,141,670 | 3,993 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4345% | 3,099 |
| Cost of funding earning assets | 0.4439% | 4,320 |
| Net interest margin | 3.9906% | 1,871 |
| Noninterest income to average assets | 1.0858% | 680 |
| Noninterest expense to average assets | 4.1442% | 439 |
| Loan and lease loss provision to assets | 0.2426% | 607 |
| Net operating income to assets | 0.3102% | 4,883 |
| Return on assets (ROA) | 0.3102% | 4,891 |
| Pretax return on assets | 0.3102% | 4,950 |
| Return on Equity (ROE) | 2.6452% | 4,861 |
| Retained earnings to average equity (ytd only) | -2.1026% | 4,751 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4361% | 619 |
| Assets per employee ($millions) | 4.1026% | 3,775 |
| Cash dividends to net income (ytd only)* | 179.4872% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,389 |
| Loan loss allowance to noncurrent loans | 13,275.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.4337% | 2,853 |
| Noncurrent loans to loans | 0.0063% | 4,774 |
| Net loans and leases to total assets | 63.7596% | 3,318 |
| Net loans and leases to deposits | 74.8724% | 3,369 |
| Net loans and leases to core deposits | 78.1650% | 3,504 |
| Total domestic deposits to total assets | 85.1577% | 2,617 |
| Equity capital to assets | 12.0310% | 2,002 |
| Core capital (leverage) ratio | 9.6269% | 4,001 |
| Tier 1 risk-based capital ratio | 12.7153% | 4,034 |
| Total risk-based capital ratio | 13.4452% | 4,231 |
| Memoranda: | ||
| Average total assets | $100,575,500 | 4,102 |
| Average earning assets | $91,013,000 | 4,126 |
| Average equity | $11,795,000 | 4,086 |
| Average total loans | $61,854,000 | 4,053 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3605% | 2,895 |
| Cost of funding earning assets | 0.3413% | 4,338 |
| Net interest margin | 4.0191% | 1,925 |
| Noninterest income to average assets | 1.2944% | 557 |
| Noninterest expense to average assets | 4.1764% | 409 |
| Loan and lease loss provision to assets | 0.1722% | 1,156 |
| Net operating income to assets | 0.6116% | 4,380 |
| Return on assets (ROA) | 0.6116% | 4,388 |
| Pretax return on assets | 0.6116% | 4,613 |
| Return on Equity (ROE) | 5.2431% | 4,404 |
| Retained earnings to average equity (ytd only) | 2.0252% | 4,346 |
| Net charge-offs to loans | 0.1582% | 1,216 |
| Credit loss provision to net charge-offs | 173.7374% | 1,617 |
| Earnings coverage of net charge-offs (x) | 7.9091% | 2,941 |
| Efficiency ratio | 81.5338% | 840 |
| Assets per employee ($millions) | 4.4647% | 3,221 |
| Cash dividends to net income (ytd only)* | 61.3748% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 4,610 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7450% | 1,866 |
| Noncurrent loans to loans | 0.3113% | 3,438 |
| Net loans and leases to total assets | 58.3587% | 3,925 |
| Net loans and leases to deposits | 69.8975% | 3,837 |
| Net loans and leases to core deposits | 72.9007% | 3,925 |
| Total domestic deposits to total assets | 83.4919% | 3,162 |
| Equity capital to assets | 11.4365% | 2,304 |
| Core capital (leverage) ratio | 9.3719% | 4,274 |
| Tier 1 risk-based capital ratio | 13.2525% | 3,693 |
| Total risk-based capital ratio | 13.9238% | 3,920 |
| Memoranda: | ||
| Average total assets | $99,895,600 | 4,101 |
| Average earning assets | $91,114,400 | 4,129 |
| Average equity | $11,653,400 | 4,068 |
| Average total loans | $62,588,600 | 4,033 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3253% | 2,866 |
| Cost of funding earning assets | 0.3060% | 4,478 |
| Net interest margin | 4.0193% | 1,897 |
| Noninterest income to average assets | 1.2621% | 603 |
| Noninterest expense to average assets | 4.2097% | 392 |
| Loan and lease loss provision to assets | 0.1263% | 1,594 |
| Net operating income to assets | 0.5981% | 4,508 |
| Return on assets (ROA) | 0.5981% | 4,515 |
| Pretax return on assets | 0.5981% | 4,732 |
| Return on Equity (ROE) | 5.1013% | 4,527 |
| Retained earnings to average equity (ytd only) | 2.2354% | 4,489 |
| Net charge-offs to loans | -0.0021% | 4,092 |
| Credit loss provision to net charge-offs | -9,400.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6205% | 732 |
| Assets per employee ($millions) | 3.9691% | 3,938 |
| Cash dividends to net income (ytd only)* | 56.1805% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 4,675 |
| Loan loss allowance to noncurrent loans | 213.9130% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 1,733 |
| Noncurrent loans to loans | 0.3670% | 3,330 |
| Net loans and leases to total assets | 62.6624% | 3,578 |
| Net loans and leases to deposits | 75.4111% | 3,465 |
| Net loans and leases to core deposits | 78.7811% | 3,589 |
| Total domestic deposits to total assets | 83.0943% | 3,271 |
| Equity capital to assets | 11.7045% | 2,099 |
| Core capital (leverage) ratio | 9.4363% | 4,246 |
| Tier 1 risk-based capital ratio | 12.7130% | 4,073 |
| Total risk-based capital ratio | 13.3925% | 4,312 |
| Memoranda: | ||
| Average total assets | $99,197,250 | 4,154 |
| Average earning assets | $90,626,250 | 4,177 |
| Average equity | $11,630,750 | 4,106 |
| Average total loans | $63,136,250 | 4,065 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2225% | 3,045 |
| Cost of funding earning assets | 0.2507% | 4,743 |
| Net interest margin | 3.9718% | 1,954 |
| Noninterest income to average assets | 1.0747% | 831 |
| Noninterest expense to average assets | 4.0005% | 532 |
| Loan and lease loss provision to assets | 0.1492% | 1,273 |
| Net operating income to assets | 0.5666% | 4,598 |
| Return on assets (ROA) | 0.5666% | 4,594 |
| Pretax return on assets | 0.5666% | 4,789 |
| Return on Equity (ROE) | 4.8297% | 4,596 |
| Retained earnings to average equity (ytd only) | 2.6813% | 4,176 |
| Net charge-offs to loans | -0.0032% | 4,018 |
| Credit loss provision to net charge-offs | -7,400.0000% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0009% | 835 |
| Assets per employee ($millions) | 4.5546% | 3,043 |
| Cash dividends to net income (ytd only)* | 44.4840% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 4,868 |
| Loan loss allowance to noncurrent loans | 243.2990% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 1,847 |
| Noncurrent loans to loans | 0.2998% | 3,627 |
| Net loans and leases to total assets | 64.1025% | 3,388 |
| Net loans and leases to deposits | 76.8316% | 3,267 |
| Net loans and leases to core deposits | 82.8052% | 3,178 |
| Total domestic deposits to total assets | 83.4325% | 3,274 |
| Equity capital to assets | 11.5666% | 2,149 |
| Core capital (leverage) ratio | 9.4987% | 4,117 |
| Tier 1 risk-based capital ratio | 12.5140% | 4,176 |
| Total risk-based capital ratio | 13.1607% | 4,432 |
| Memoranda: | ||
| Average total assets | $99,187,330 | 4,188 |
| Average earning assets | $90,941,000 | 4,208 |
| Average equity | $11,636,330 | 4,131 |
| Average total loans | $63,291,670 | 4,092 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1286% | 3,136 |
| Cost of funding earning assets | 0.2384% | 4,773 |
| Net interest margin | 3.8901% | 2,083 |
| Noninterest income to average assets | 1.1026% | 762 |
| Noninterest expense to average assets | 4.0049% | 529 |
| Loan and lease loss provision to assets | 0.2189% | 722 |
| Net operating income to assets | 0.4499% | 4,811 |
| Return on assets (ROA) | 0.4499% | 4,815 |
| Pretax return on assets | 0.4499% | 4,958 |
| Return on Equity (ROE) | 3.8081% | 4,819 |
| Retained earnings to average equity (ytd only) | 3.8081% | 3,673 |
| Net charge-offs to loans | -0.0064% | 4,091 |
| Credit loss provision to net charge-offs | -5,400.0000% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8274% | 873 |
| Assets per employee ($millions) | 4.4351% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7176% | 4,993 |
| Loan loss allowance to noncurrent loans | 729.0323% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 2,051 |
| Noncurrent loans to loans | 0.0984% | 4,532 |
| Net loans and leases to total assets | 64.0884% | 3,294 |
| Net loans and leases to deposits | 79.6538% | 2,849 |
| Net loans and leases to core deposits | 81.4985% | 3,185 |
| Total domestic deposits to total assets | 80.4587% | 4,330 |
| Equity capital to assets | 11.8752% | 1,864 |
| Core capital (leverage) ratio | 9.5618% | 4,000 |
| Tier 1 risk-based capital ratio | 12.3055% | 4,374 |
| Total risk-based capital ratio | 12.9198% | 4,649 |
| Memoranda: | ||
| Average total assets | $98,680,000 | 4,242 |
| Average earning assets | $90,588,000 | 4,257 |
| Average equity | $11,659,500 | 4,169 |
| Average total loans | $62,585,500 | 4,137 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 3,898 |
| Cost of funding earning assets | 0.2320% | 4,715 |
| Net interest margin | 3.6135% | 3,122 |
| Noninterest income to average assets | 1.4469% | 508 |
| Noninterest expense to average assets | 4.6222% | 286 |
| Loan and lease loss provision to assets | 0.0893% | 2,400 |
| Net operating income to assets | 0.0410% | 5,316 |
| Return on assets (ROA) | 0.0410% | 5,325 |
| Pretax return on assets | 0.0410% | 5,414 |
| Return on Equity (ROE) | 0.3300% | 5,328 |
| Retained earnings to average equity (ytd only) | 0.3300% | 4,893 |
| Net charge-offs to loans | 0.1415% | 1,660 |
| Credit loss provision to net charge-offs | 110.3896% | 2,361 |
| Earnings coverage of net charge-offs (x) | 1.6104% | 3,867 |
| Efficiency ratio | 94.3400% | 285 |
| Assets per employee ($millions) | 4.1578% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6384% | 5,177 |
| Loan loss allowance to noncurrent loans | 536.4865% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5612% | 2,674 |
| Noncurrent loans to loans | 0.1190% | 4,446 |
| Net loans and leases to total assets | 61.9209% | 3,633 |
| Net loans and leases to deposits | 76.7213% | 3,257 |
| Net loans and leases to core deposits | 77.9229% | 3,591 |
| Total domestic deposits to total assets | 80.7089% | 4,188 |
| Equity capital to assets | 11.7570% | 1,998 |
| Core capital (leverage) ratio | 9.6935% | 3,822 |
| Tier 1 risk-based capital ratio | 13.4087% | 3,683 |
| Total risk-based capital ratio | 13.9943% | 3,963 |
| Memoranda: | ||
| Average total assets | $95,171,200 | 4,326 |
| Average earning assets | $87,063,400 | 4,346 |
| Average equity | $11,819,200 | 4,171 |
| Average total loans | $54,433,400 | 4,350 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 4,179 |
| Cost of funding earning assets | 0.2376% | 4,673 |
| Net interest margin | 3.5119% | 3,461 |
| Noninterest income to average assets | 1.4210% | 531 |
| Noninterest expense to average assets | 4.5678% | 300 |
| Loan and lease loss provision to assets | 0.1035% | 2,042 |
| Net operating income to assets | -0.0440% | 5,532 |
| Return on assets (ROA) | -0.0440% | 5,538 |
| Pretax return on assets | -0.0440% | 5,528 |
| Return on Equity (ROE) | -0.3490% | 5,531 |
| Retained earnings to average equity (ytd only) | -0.3490% | 5,266 |
| Net charge-offs to loans | 0.1905% | 1,109 |
| Credit loss provision to net charge-offs | 97.3333% | 2,356 |
| Earnings coverage of net charge-offs (x) | 0.5600% | 3,657 |
| Efficiency ratio | 95.6788% | 255 |
| Assets per employee ($millions) | 3.9978% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6832% | 5,174 |
| Loan loss allowance to noncurrent loans | 94.8529% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9318% | 1,836 |
| Noncurrent loans to loans | 0.7203% | 2,557 |
| Net loans and leases to total assets | 58.6307% | 4,006 |
| Net loans and leases to deposits | 73.4553% | 3,625 |
| Net loans and leases to core deposits | 73.7210% | 4,001 |
| Total domestic deposits to total assets | 79.8182% | 4,357 |
| Equity capital to assets | 12.3317% | 1,757 |
| Core capital (leverage) ratio | 9.7668% | 3,862 |
| Tier 1 risk-based capital ratio | 14.2479% | 3,329 |
| Total risk-based capital ratio | 14.8611% | 3,556 |
| Memoranda: | ||
| Average total assets | $94,017,250 | 4,382 |
| Average earning assets | $85,840,000 | 4,407 |
| Average equity | $11,841,000 | 4,207 |
| Average total loans | $52,495,250 | 4,434 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6719% | 4,312 |
| Cost of funding earning assets | 0.2423% | 4,620 |
| Net interest margin | 3.4297% | 3,667 |
| Noninterest income to average assets | 1.2959% | 618 |
| Noninterest expense to average assets | 4.5323% | 308 |
| Loan and lease loss provision to assets | 0.1564% | 1,281 |
| Net operating income to assets | -0.2699% | 5,638 |
| Return on assets (ROA) | -0.2699% | 5,639 |
| Pretax return on assets | -0.2699% | 5,628 |
| Return on Equity (ROE) | -2.1277% | 5,626 |
| Retained earnings to average equity (ytd only) | -2.1277% | 5,355 |
| Net charge-offs to loans | 0.0509% | 2,201 |
| Credit loss provision to net charge-offs | 561.5385% | 597 |
| Earnings coverage of net charge-offs (x) | -4.0769% | 3,457 |
| Efficiency ratio | 99.3698% | 195 |
| Assets per employee ($millions) | 3.8519% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8299% | 4,871 |
| Loan loss allowance to noncurrent loans | 256.5714% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 2,420 |
| Noncurrent loans to loans | 0.3234% | 3,873 |
| Net loans and leases to total assets | 58.0421% | 4,029 |
| Net loans and leases to deposits | 73.3189% | 3,618 |
| Net loans and leases to core deposits | 73.5965% | 3,971 |
| Total domestic deposits to total assets | 79.1638% | 4,590 |
| Equity capital to assets | 12.6897% | 1,529 |
| Core capital (leverage) ratio | 9.9589% | 3,584 |
| Tier 1 risk-based capital ratio | 14.5809% | 3,123 |
| Total risk-based capital ratio | 15.3189% | 3,315 |
| Memoranda: | ||
| Average total assets | $93,373,670 | 4,432 |
| Average earning assets | $85,023,000 | 4,445 |
| Average equity | $11,844,000 | 4,213 |
| Average total loans | $51,113,000 | 4,494 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 4,539 |
| Cost of funding earning assets | 0.2444% | 4,582 |
| Net interest margin | 3.3087% | 3,979 |
| Noninterest income to average assets | 1.1253% | 788 |
| Noninterest expense to average assets | 4.5440% | 320 |
| Loan and lease loss provision to assets | 0.1833% | 938 |
| Net operating income to assets | -0.6010% | 5,751 |
| Return on assets (ROA) | -0.6010% | 5,750 |
| Pretax return on assets | -0.6010% | 5,744 |
| Return on Equity (ROE) | -4.7393% | 5,734 |
| Retained earnings to average equity (ytd only) | -4.7393% | 5,368 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7149% | 156 |
| Assets per employee ($millions) | 3.9209% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 4,970 |
| Loan loss allowance to noncurrent loans | 58.9359% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.2954% | 1,312 |
| Noncurrent loans to loans | 1.4159% | 1,429 |
| Net loans and leases to total assets | 54.5552% | 4,297 |
| Net loans and leases to deposits | 68.6884% | 3,922 |
| Net loans and leases to core deposits | 69.1752% | 4,212 |
| Total domestic deposits to total assets | 79.4242% | 4,734 |
| Equity capital to assets | 12.5355% | 1,505 |
| Core capital (leverage) ratio | 9.8109% | 3,743 |
| Tier 1 risk-based capital ratio | 14.0764% | 3,425 |
| Total risk-based capital ratio | 14.7651% | 3,682 |
| Memoranda: | ||
| Average total assets | $93,838,000 | 4,462 |
| Average earning assets | $85,109,000 | 4,495 |
| Average equity | $11,900,500 | 4,230 |
| Average total loans | $49,616,500 | 4,576 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,248 |
| Cost of funding earning assets | 0.2533% | 4,534 |
| Net interest margin | 3.4351% | 3,683 |
| Noninterest income to average assets | 1.4387% | 559 |
| Noninterest expense to average assets | 3.8913% | 698 |
| Loan and lease loss provision to assets | 0.2835% | 697 |
| Net operating income to assets | 0.3402% | 5,108 |
| Return on assets (ROA) | 0.4892% | 4,751 |
| Pretax return on assets | 0.4892% | 5,043 |
| Return on Equity (ROE) | 3.6749% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.0485% | 3,729 |
| Net charge-offs to loans | 0.3104% | 890 |
| Credit loss provision to net charge-offs | 186.1314% | 1,512 |
| Earnings coverage of net charge-offs (x) | 4.0949% | 3,554 |
| Efficiency ratio | 82.9352% | 1,100 |
| Assets per employee ($millions) | 3.8990% | 4,143 |
| Cash dividends to net income (ytd only)* | 17.0455% | 3,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 5,058 |
| Loan loss allowance to noncurrent loans | 412.7660% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 3,285 |
| Noncurrent loans to loans | 0.1980% | 4,443 |
| Net loans and leases to total assets | 50.3083% | 4,745 |
| Net loans and leases to deposits | 63.6291% | 4,438 |
| Net loans and leases to core deposits | 63.8665% | 4,641 |
| Total domestic deposits to total assets | 79.0649% | 4,781 |
| Equity capital to assets | 12.8293% | 1,333 |
| Core capital (leverage) ratio | 10.2913% | 3,119 |
| Tier 1 risk-based capital ratio | 15.7494% | 2,650 |
| Total risk-based capital ratio | 16.4173% | 2,829 |
| Memoranda: | ||
| Average total assets | $89,945,200 | 4,543 |
| Average earning assets | $80,551,800 | 4,582 |
| Average equity | $11,973,200 | 4,254 |
| Average total loans | $44,140,400 | 4,745 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7247% | 4,169 |
| Cost of funding earning assets | 0.2566% | 4,542 |
| Net interest margin | 3.4681% | 3,598 |
| Noninterest income to average assets | 1.4376% | 576 |
| Noninterest expense to average assets | 3.8634% | 703 |
| Loan and lease loss provision to assets | 0.3579% | 443 |
| Net operating income to assets | 0.3130% | 5,257 |
| Return on assets (ROA) | 0.3699% | 5,203 |
| Pretax return on assets | 0.3699% | 5,353 |
| Return on Equity (ROE) | 2.7524% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.7524% | 4,245 |
| Net charge-offs to loans | 0.4218% | 511 |
| Credit loss provision to net charge-offs | 174.4526% | 1,596 |
| Earnings coverage of net charge-offs (x) | 3.2701% | 3,447 |
| Efficiency ratio | 81.9353% | 1,200 |
| Assets per employee ($millions) | 3.7045% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 5,025 |
| Loan loss allowance to noncurrent loans | 395.7447% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4989% | 3,450 |
| Noncurrent loans to loans | 0.2158% | 4,495 |
| Net loans and leases to total assets | 46.6397% | 5,049 |
| Net loans and leases to deposits | 59.3512% | 4,802 |
| Net loans and leases to core deposits | 59.5763% | 4,955 |
| Total domestic deposits to total assets | 78.5827% | 4,813 |
| Equity capital to assets | 13.1646% | 1,406 |
| Core capital (leverage) ratio | 10.2848% | 3,240 |
| Tier 1 risk-based capital ratio | 17.4964% | 2,080 |
| Total risk-based capital ratio | 18.2187% | 2,195 |
| Memoranda: | ||
| Average total assets | $89,037,750 | 4,604 |
| Average earning assets | $79,503,750 | 4,635 |
| Average equity | $11,965,250 | 4,295 |
| Average total loans | $43,309,500 | 4,812 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 3,932 |
| Cost of funding earning assets | 0.2550% | 4,606 |
| Net interest margin | 3.5517% | 3,290 |
| Noninterest income to average assets | 1.3524% | 624 |
| Noninterest expense to average assets | 3.9364% | 645 |
| Loan and lease loss provision to assets | 0.4963% | 267 |
| Net operating income to assets | 0.0911% | 5,675 |
| Return on assets (ROA) | 0.1776% | 5,618 |
| Pretax return on assets | 0.1776% | 5,646 |
| Return on Equity (ROE) | 1.3121% | 5,640 |
| Retained earnings to average equity (ytd only) | 1.3121% | 4,863 |
| Net charge-offs to loans | 0.6339% | 329 |
| Credit loss provision to net charge-offs | 159.1241% | 1,531 |
| Earnings coverage of net charge-offs (x) | 1.8832% | 3,355 |
| Efficiency ratio | 83.6940% | 1,078 |
| Assets per employee ($millions) | 3.5374% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8035% | 5,275 |
| Loan loss allowance to noncurrent loans | 369.4737% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 3,390 |
| Noncurrent loans to loans | 0.2175% | 4,570 |
| Net loans and leases to total assets | 51.0424% | 4,763 |
| Net loans and leases to deposits | 66.5990% | 4,298 |
| Net loans and leases to core deposits | 66.8879% | 4,550 |
| Total domestic deposits to total assets | 76.6414% | 5,199 |
| Equity capital to assets | 14.2076% | 958 |
| Core capital (leverage) ratio | 10.7329% | 2,711 |
| Tier 1 risk-based capital ratio | 17.3010% | 2,132 |
| Total risk-based capital ratio | 17.9893% | 2,289 |
| Memoranda: | ||
| Average total assets | $87,846,330 | 4,659 |
| Average earning assets | $78,440,330 | 4,690 |
| Average equity | $11,889,670 | 4,336 |
| Average total loans | $43,224,000 | 4,856 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 4,097 |
| Cost of funding earning assets | 0.2477% | 4,733 |
| Net interest margin | 3.5129% | 3,417 |
| Noninterest income to average assets | 1.0121% | 1,050 |
| Noninterest expense to average assets | 3.8468% | 731 |
| Loan and lease loss provision to assets | 0.2642% | 644 |
| Net operating income to assets | 0.0761% | 5,712 |
| Return on assets (ROA) | 0.0672% | 5,763 |
| Pretax return on assets | 0.0672% | 5,768 |
| Return on Equity (ROE) | 0.5083% | 5,770 |
| Retained earnings to average equity (ytd only) | 0.5083% | 4,991 |
| Net charge-offs to loans | 1.2839% | 143 |
| Credit loss provision to net charge-offs | 42.7536% | 2,124 |
| Earnings coverage of net charge-offs (x) | 0.5507% | 2,920 |
| Efficiency ratio | 88.3422% | 783 |
| Assets per employee ($millions) | 3.6136% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4359% | 5,922 |
| Loan loss allowance to noncurrent loans | 40.8994% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 3,455 |
| Noncurrent loans to loans | 1.0657% | 2,259 |
| Net loans and leases to total assets | 50.3067% | 4,778 |
| Net loans and leases to deposits | 65.0121% | 4,343 |
| Net loans and leases to core deposits | 65.0616% | 4,616 |
| Total domestic deposits to total assets | 77.3805% | 5,237 |
| Equity capital to assets | 13.6891% | 1,093 |
| Core capital (leverage) ratio | 10.4002% | 3,072 |
| Tier 1 risk-based capital ratio | 16.7507% | 2,376 |
| Total risk-based capital ratio | 17.1167% | 2,682 |
| Memoranda: | ||
| Average total assets | $89,320,500 | 4,670 |
| Average earning assets | $80,731,500 | 4,686 |
| Average equity | $11,803,500 | 4,365 |
| Average total loans | $42,993,500 | 4,901 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3461% | 2,073 |
| Cost of funding earning assets | 0.2651% | 4,641 |
| Net interest margin | 4.0810% | 1,457 |
| Noninterest income to average assets | 1.2010% | 831 |
| Noninterest expense to average assets | 3.7392% | 931 |
| Loan and lease loss provision to assets | 0.2847% | 631 |
| Net operating income to assets | 0.4763% | 4,784 |
| Return on assets (ROA) | 0.5035% | 4,770 |
| Pretax return on assets | 0.5035% | 5,107 |
| Return on Equity (ROE) | 3.8272% | 5,019 |
| Retained earnings to average equity (ytd only) | 3.8272% | 3,316 |
| Net charge-offs to loans | -0.0191% | 5,257 |
| Credit loss provision to net charge-offs | -3,585.7143% | 5,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8135% | 1,703 |
| Assets per employee ($millions) | 3.9963% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6403% | 5,741 |
| Loan loss allowance to noncurrent loans | 45.0751% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6517% | 3,091 |
| Noncurrent loans to loans | 1.4205% | 1,638 |
| Net loans and leases to total assets | 45.5823% | 5,188 |
| Net loans and leases to deposits | 57.8736% | 4,921 |
| Net loans and leases to core deposits | 57.8736% | 5,106 |
| Total domestic deposits to total assets | 78.7619% | 5,021 |
| Equity capital to assets | 12.7672% | 1,478 |
| Core capital (leverage) ratio | 10.5673% | 2,862 |
| Tier 1 risk-based capital ratio | 17.2486% | 2,203 |
| Total risk-based capital ratio | 17.7698% | 2,428 |
| Memoranda: | ||
| Average total assets | $88,174,400 | 4,708 |
| Average earning assets | $71,282,000 | 4,910 |
| Average equity | $11,601,200 | 4,370 |
| Average total loans | $36,708,200 | 5,130 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4785% | 1,666 |
| Cost of funding earning assets | 0.2710% | 4,652 |
| Net interest margin | 4.2075% | 1,148 |
| Noninterest income to average assets | 1.1921% | 852 |
| Noninterest expense to average assets | 3.7245% | 939 |
| Loan and lease loss provision to assets | 0.3087% | 462 |
| Net operating income to assets | 0.4570% | 4,947 |
| Return on assets (ROA) | 0.4310% | 5,132 |
| Pretax return on assets | 0.4310% | 5,397 |
| Return on Equity (ROE) | 3.2503% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.2503% | 4,145 |
| Net charge-offs to loans | -0.0038% | 4,782 |
| Credit loss provision to net charge-offs | -20,200.0000% | 5,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9476% | 1,277 |
| Assets per employee ($millions) | 3.8297% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5445% | 5,976 |
| Loan loss allowance to noncurrent loans | 56.1358% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 4,041 |
| Noncurrent loans to loans | 0.9700% | 2,562 |
| Net loans and leases to total assets | 44.5824% | 5,320 |
| Net loans and leases to deposits | 57.2649% | 5,057 |
| Net loans and leases to core deposits | 57.4745% | 5,224 |
| Total domestic deposits to total assets | 77.8530% | 5,214 |
| Equity capital to assets | 13.2646% | 1,323 |
| Core capital (leverage) ratio | 10.2218% | 3,346 |
| Tier 1 risk-based capital ratio | 16.3083% | 2,671 |
| Total risk-based capital ratio | 16.7086% | 2,999 |
| Memoranda: | ||
| Average total assets | $87,239,250 | 4,783 |
| Average earning assets | $68,384,000 | 5,034 |
| Average equity | $11,567,750 | 4,429 |
| Average total loans | $35,343,500 | 5,236 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6423% | 1,179 |
| Cost of funding earning assets | 0.2662% | 4,759 |
| Net interest margin | 4.3761% | 794 |
| Noninterest income to average assets | 1.1017% | 997 |
| Noninterest expense to average assets | 3.5673% | 1,182 |
| Loan and lease loss provision to assets | 0.3496% | 381 |
| Net operating income to assets | 0.4370% | 5,015 |
| Return on assets (ROA) | 0.3979% | 5,249 |
| Pretax return on assets | 0.3979% | 5,472 |
| Return on Equity (ROE) | 3.0011% | 5,399 |
| Retained earnings to average equity (ytd only) | 3.0011% | 4,130 |
| Net charge-offs to loans | -0.0059% | 4,780 |
| Credit loss provision to net charge-offs | -15,200.0000% | 5,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9334% | 1,497 |
| Assets per employee ($millions) | 3.8636% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4375% | 6,139 |
| Loan loss allowance to noncurrent loans | 36.9955% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 3,944 |
| Noncurrent loans to loans | 1.1825% | 2,290 |
| Net loans and leases to total assets | 42.2588% | 5,487 |
| Net loans and leases to deposits | 54.0293% | 5,250 |
| Net loans and leases to core deposits | 54.0293% | 5,417 |
| Total domestic deposits to total assets | 78.2145% | 5,229 |
| Equity capital to assets | 12.9200% | 1,443 |
| Core capital (leverage) ratio | 10.3700% | 3,117 |
| Tier 1 risk-based capital ratio | 17.9182% | 2,085 |
| Total risk-based capital ratio | 18.2605% | 2,348 |
| Memoranda: | ||
| Average total assets | $86,957,670 | 4,835 |
| Average earning assets | $64,623,670 | 5,187 |
| Average equity | $11,529,000 | 4,464 |
| Average total loans | $33,963,000 | 5,326 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6241% | 1,175 |
| Cost of funding earning assets | 0.2062% | 5,457 |
| Net interest margin | 4.4179% | 703 |
| Noninterest income to average assets | 0.9627% | 1,210 |
| Noninterest expense to average assets | 3.5812% | 1,162 |
| Loan and lease loss provision to assets | 0.3721% | 332 |
| Net operating income to assets | 0.2977% | 5,428 |
| Return on assets (ROA) | 0.2744% | 5,591 |
| Pretax return on assets | 0.2744% | 5,704 |
| Return on Equity (ROE) | 2.0428% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.0428% | 4,654 |
| Net charge-offs to loans | -0.0125% | 4,821 |
| Credit loss provision to net charge-offs | -8,000.0000% | 5,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2451% | 1,356 |
| Assets per employee ($millions) | 3.7097% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2846% | 6,300 |
| Loan loss allowance to noncurrent loans | 26.2712% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 4,370 |
| Noncurrent loans to loans | 1.0832% | 2,595 |
| Net loans and leases to total assets | 38.1937% | 5,715 |
| Net loans and leases to deposits | 49.5944% | 5,485 |
| Net loans and leases to core deposits | 49.5944% | 5,608 |
| Total domestic deposits to total assets | 77.0121% | 5,608 |
| Equity capital to assets | 13.6411% | 1,113 |
| Core capital (leverage) ratio | 10.2296% | 3,305 |
| Tier 1 risk-based capital ratio | 19.8897% | 1,657 |
| Total risk-based capital ratio | 20.1070% | 1,869 |
| Memoranda: | ||
| Average total assets | $86,005,500 | 4,902 |
| Average earning assets | $64,012,500 | 5,247 |
| Average equity | $11,553,000 | 4,497 |
| Average total loans | $32,086,000 | 5,438 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3709% | 6,456 |
| Cost of funding earning assets | 0.1295% | 6,201 |
| Net interest margin | 1.2414% | 6,449 |
| Noninterest income to average assets | 0.3201% | 4,831 |
| Noninterest expense to average assets | 1.4584% | 6,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1043% | 6,160 |
| Return on assets (ROA) | 0.0258% | 6,079 |
| Pretax return on assets | 0.0258% | 6,066 |
| Return on Equity (ROE) | 0.2529% | 6,080 |
| Retained earnings to average equity (ytd only) | 0.2529% | 5,667 |
| Net charge-offs to loans | -0.0381% | 5,849 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7056% | 246 |
| Assets per employee ($millions) | 4.1280% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0381% | 6,445 |
| Loan loss allowance to noncurrent loans | 7.5472% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 5,298 |
| Noncurrent loans to loans | 0.5049% | 4,152 |
| Net loans and leases to total assets | 36.3130% | 5,939 |
| Net loans and leases to deposits | 46.8535% | 5,755 |
| Net loans and leases to core deposits | 46.8535% | 5,853 |
| Total domestic deposits to total assets | 77.5032% | 5,523 |
| Equity capital to assets | 13.2279% | 1,260 |
| Core capital (leverage) ratio | 9.7245% | 3,938 |
| Tier 1 risk-based capital ratio | 19.5837% | 1,694 |
| Total risk-based capital ratio | 19.6136% | 1,995 |
| Memoranda: | ||
| Average total assets | $85,297,200 | 4,933 |
| Average earning assets | $71,049,600 | 5,102 |
| Average equity | $8,698,000 | 5,046 |
| Average total loans | $31,468,400 | 5,509 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2582% | 6,581 |
| Cost of funding earning assets | 0.0513% | 6,516 |
| Net interest margin | 0.2069% | 6,581 |
| Noninterest income to average assets | 0.0502% | 6,382 |
| Noninterest expense to average assets | 0.2370% | 6,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0110% | 6,149 |
| Return on assets (ROA) | -0.0110% | 6,165 |
| Pretax return on assets | -0.0094% | 6,153 |
| Return on Equity (ROE) | -0.1165% | 6,166 |
| Retained earnings to average equity (ytd only) | -0.1165% | 5,818 |
| Net charge-offs to loans | -0.0848% | 6,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1379% | 291 |
| Assets per employee ($millions) | 5.0248% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0651% | 6,521 |
| Loan loss allowance to noncurrent loans | 9.5238% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 5,245 |
| Noncurrent loans to loans | 0.6835% | 3,896 |
| Net loans and leases to total assets | 35.9420% | 6,030 |
| Net loans and leases to deposits | 45.9962% | 5,865 |
| Net loans and leases to core deposits | 45.9962% | 5,958 |
| Total domestic deposits to total assets | 78.1412% | 5,502 |
| Equity capital to assets | 12.4922% | 1,707 |
| Core capital (leverage) ratio | 9.1196% | 4,897 |
| Tier 1 risk-based capital ratio | 18.3044% | 2,114 |
| Total risk-based capital ratio | 18.3526% | 2,530 |
| Memoranda: | ||
| Average total assets | $84,949,500 | 4,997 |
| Average earning assets | $72,814,000 | 5,127 |
| Average equity | $8,005,750 | 5,241 |
| Average total loans | $31,462,750 | 5,564 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2829% | 2,644 |
| Cost of funding earning assets | 0.6038% | 1,870 |
| Net interest margin | 3.6792% | 3,034 |
| Noninterest income to average assets | 0.9553% | 1,317 |
| Noninterest expense to average assets | 3.7244% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4482% | 5,024 |
| Return on assets (ROA) | 0.6180% | 4,362 |
| Pretax return on assets | 0.6203% | 4,891 |
| Return on Equity (ROE) | 7.3623% | 3,437 |
| Retained earnings to average equity (ytd only) | 1.0116% | 5,351 |
| Net charge-offs to loans | 1.7030% | 144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.7074% | 3,992 |
| Efficiency ratio | 89.2090% | 972 |
| Assets per employee ($millions) | 3.1182% | 5,569 |
| Cash dividends to net income (ytd only)* | 86.2595% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 6,087 |
| Loan loss allowance to noncurrent loans | 1,458.8235% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 6,168 |
| Noncurrent loans to loans | 0.0515% | 5,890 |
| Net loans and leases to total assets | 38.9170% | 5,898 |
| Net loans and leases to deposits | 47.3531% | 5,807 |
| Net loans and leases to core deposits | 47.3531% | 5,933 |
| Total domestic deposits to total assets | 82.1848% | 4,587 |
| Equity capital to assets | 8.8892% | 5,422 |
| Core capital (leverage) ratio | 9.6775% | 4,073 |
| Tier 1 risk-based capital ratio | 18.8691% | 1,954 |
| Total risk-based capital ratio | 19.4459% | 2,138 |
| Memoranda: | ||
| Average total assets | $84,792,330 | 5,044 |
| Average earning assets | $74,201,330 | 5,130 |
| Average equity | $7,117,330 | 5,461 |
| Average total loans | $31,709,670 | 5,595 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 2,974 |
| Cost of funding earning assets | 0.6089% | 1,902 |
| Net interest margin | 3.5634% | 3,414 |
| Noninterest income to average assets | 0.9355% | 1,292 |
| Noninterest expense to average assets | 3.7042% | 1,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3906% | 5,151 |
| Return on assets (ROA) | 0.4325% | 5,065 |
| Pretax return on assets | 0.4372% | 5,341 |
| Return on Equity (ROE) | 5.3072% | 4,385 |
| Retained earnings to average equity (ytd only) | 3.8073% | 3,843 |
| Net charge-offs to loans | 3.5031% | 49 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.3088% | 3,377 |
| Efficiency ratio | 90.3670% | 1,000 |
| Assets per employee ($millions) | 3.1237% | 5,646 |
| Cash dividends to net income (ytd only)* | 28.2609% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 6,126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 36.6011% | 6,037 |
| Net loans and leases to deposits | 44.3552% | 5,959 |
| Net loans and leases to core deposits | 44.3552% | 6,060 |
| Total domestic deposits to total assets | 82.5182% | 4,779 |
| Equity capital to assets | 8.6698% | 5,472 |
| Core capital (leverage) ratio | 9.4167% | 4,398 |
| Tier 1 risk-based capital ratio | 19.7291% | 1,786 |
| Total risk-based capital ratio | 20.3252% | 1,907 |
| Memoranda: | ||
| Average total assets | $85,092,500 | 5,087 |
| Average earning assets | $75,545,000 | 5,132 |
| Average equity | $6,934,000 | 5,536 |
| Average total loans | $31,058,000 | 5,672 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1331% | 3,610 |
| Cost of funding earning assets | 0.6288% | 2,399 |
| Net interest margin | 3.5043% | 3,889 |
| Noninterest income to average assets | 1.2425% | 903 |
| Noninterest expense to average assets | 3.9188% | 961 |
| Loan and lease loss provision to assets | 0.1308% | 2,674 |
| Net operating income to assets | 0.3864% | 5,187 |
| Return on assets (ROA) | 0.8133% | 3,323 |
| Pretax return on assets | 0.8133% | 4,093 |
| Return on Equity (ROE) | 8.8429% | 2,621 |
| Retained earnings to average equity (ytd only) | 2.9864% | 4,116 |
| Net charge-offs to loans | 0.3015% | 2,183 |
| Credit loss provision to net charge-offs | 120.8791% | 1,972 |
| Earnings coverage of net charge-offs (x) | 4.7802% | 3,459 |
| Efficiency ratio | 88.3409% | 1,179 |
| Assets per employee ($millions) | 2.9602% | 5,894 |
| Cash dividends to net income (ytd only)* | 66.2281% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 2,495 |
| Loan loss allowance to noncurrent loans | 88.8508% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6791% | 4,212 |
| Noncurrent loans to loans | 1.8806% | 2,136 |
| Net loans and leases to total assets | 35.5089% | 6,225 |
| Net loans and leases to deposits | 42.4472% | 6,203 |
| Net loans and leases to core deposits | 42.4472% | 6,289 |
| Total domestic deposits to total assets | 83.6545% | 4,298 |
| Equity capital to assets | 7.6369% | 6,216 |
| Core capital (leverage) ratio | 9.3598% | 4,456 |
| Tier 1 risk-based capital ratio | 19.5214% | 1,777 |
| Total risk-based capital ratio | 20.7735% | 1,741 |
| Memoranda: | ||
| Average total assets | $84,106,800 | 5,139 |
| Average earning assets | $76,649,000 | 5,127 |
| Average equity | $7,735,000 | 5,406 |
| Average total loans | $30,182,600 | 5,754 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 3,870 |
| Cost of funding earning assets | 0.6268% | 2,581 |
| Net interest margin | 3.4415% | 4,116 |
| Noninterest income to average assets | 1.3226% | 846 |
| Noninterest expense to average assets | 3.9726% | 884 |
| Loan and lease loss provision to assets | 0.1434% | 2,490 |
| Net operating income to assets | 0.3649% | 5,390 |
| Return on assets (ROA) | 0.9178% | 2,846 |
| Pretax return on assets | 0.9178% | 3,799 |
| Return on Equity (ROE) | 9.5642% | 2,368 |
| Retained earnings to average equity (ytd only) | 2.2748% | 4,961 |
| Net charge-offs to loans | 0.4047% | 1,583 |
| Credit loss provision to net charge-offs | 98.9011% | 2,411 |
| Earnings coverage of net charge-offs (x) | 3.5055% | 3,677 |
| Efficiency ratio | 88.6558% | 1,114 |
| Assets per employee ($millions) | 2.9658% | 5,901 |
| Cash dividends to net income (ytd only)* | 76.2155% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6255% | 2,897 |
| Loan loss allowance to noncurrent loans | 91.0420% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 4,461 |
| Noncurrent loans to loans | 1.7854% | 2,517 |
| Net loans and leases to total assets | 36.2932% | 6,270 |
| Net loans and leases to deposits | 43.9626% | 6,202 |
| Net loans and leases to core deposits | 44.4817% | 6,281 |
| Total domestic deposits to total assets | 82.5548% | 4,737 |
| Equity capital to assets | 8.4402% | 5,803 |
| Core capital (leverage) ratio | 9.3890% | 4,544 |
| Tier 1 risk-based capital ratio | 19.7091% | 1,812 |
| Total risk-based capital ratio | 20.9388% | 1,773 |
| Memoranda: | ||
| Average total assets | $83,672,000 | 5,199 |
| Average earning assets | $76,785,750 | 5,174 |
| Average equity | $8,029,750 | 5,383 |
| Average total loans | $29,978,000 | 5,818 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 3,707 |
| Cost of funding earning assets | 0.6265% | 2,719 |
| Net interest margin | 3.4822% | 3,853 |
| Noninterest income to average assets | 1.2851% | 936 |
| Noninterest expense to average assets | 3.9699% | 897 |
| Loan and lease loss provision to assets | 0.1431% | 2,544 |
| Net operating income to assets | 0.3529% | 5,392 |
| Return on assets (ROA) | 1.1802% | 1,751 |
| Pretax return on assets | 1.1802% | 2,762 |
| Return on Equity (ROE) | 11.8280% | 1,544 |
| Retained earnings to average equity (ytd only) | 1.4337% | 5,304 |
| Net charge-offs to loans | 0.6116% | 1,081 |
| Credit loss provision to net charge-offs | 65.9341% | 2,913 |
| Earnings coverage of net charge-offs (x) | 2.2857% | 3,762 |
| Efficiency ratio | 88.8948% | 1,139 |
| Assets per employee ($millions) | 2.6945% | 6,301 |
| Cash dividends to net income (ytd only)* | 87.8788% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 3,218 |
| Loan loss allowance to noncurrent loans | 91.4063% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.6130% | 4,711 |
| Noncurrent loans to loans | 1.7316% | 2,724 |
| Net loans and leases to total assets | 34.8378% | 6,370 |
| Net loans and leases to deposits | 42.0253% | 6,328 |
| Net loans and leases to core deposits | 42.7037% | 6,377 |
| Total domestic deposits to total assets | 82.8972% | 4,740 |
| Equity capital to assets | 8.0510% | 6,163 |
| Core capital (leverage) ratio | 9.6807% | 3,967 |
| Tier 1 risk-based capital ratio | 19.6329% | 1,818 |
| Total risk-based capital ratio | 20.7953% | 1,820 |
| Memoranda: | ||
| Average total assets | $83,881,670 | 5,227 |
| Average earning assets | $76,619,000 | 5,209 |
| Average equity | $8,370,000 | 5,345 |
| Average total loans | $29,758,330 | 5,854 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 3,673 |
| Cost of funding earning assets | 0.6216% | 2,907 |
| Net interest margin | 3.4912% | 3,735 |
| Noninterest income to average assets | 1.2706% | 947 |
| Noninterest expense to average assets | 3.7974% | 1,115 |
| Loan and lease loss provision to assets | 0.1428% | 2,455 |
| Net operating income to assets | 0.5377% | 4,507 |
| Return on assets (ROA) | 1.6608% | 700 |
| Pretax return on assets | 1.6608% | 1,167 |
| Return on Equity (ROE) | 15.1863% | 725 |
| Retained earnings to average equity (ytd only) | 2.1322% | 4,936 |
| Net charge-offs to loans | -0.2278% | 6,710 |
| Credit loss provision to net charge-offs | -176.4706% | 5,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8034% | 1,664 |
| Assets per employee ($millions) | 2.5221% | 6,563 |
| Cash dividends to net income (ytd only)* | 85.9599% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 2,682 |
| Loan loss allowance to noncurrent loans | 341.2500% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 5,997 |
| Noncurrent loans to loans | 0.5225% | 5,130 |
| Net loans and leases to total assets | 36.1357% | 6,283 |
| Net loans and leases to deposits | 46.4450% | 6,029 |
| Net loans and leases to core deposits | 46.4450% | 6,188 |
| Total domestic deposits to total assets | 77.8031% | 6,137 |
| Equity capital to assets | 10.7752% | 3,226 |
| Core capital (leverage) ratio | 9.7888% | 3,675 |
| Tier 1 risk-based capital ratio | 19.6750% | 1,858 |
| Total risk-based capital ratio | 20.9262% | 1,831 |
| Memoranda: | ||
| Average total assets | $84,057,500 | 5,266 |
| Average earning assets | $77,223,500 | 5,228 |
| Average equity | $9,192,500 | 5,185 |
| Average total loans | $29,853,500 | 5,899 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 3,323 |
| Cost of funding earning assets | 0.7297% | 3,259 |
| Net interest margin | 3.7887% | 3,275 |
| Noninterest income to average assets | 1.3922% | 802 |
| Noninterest expense to average assets | 4.1743% | 797 |
| Loan and lease loss provision to assets | 0.2214% | 2,917 |
| Net operating income to assets | 0.4821% | 4,758 |
| Return on assets (ROA) | 0.9839% | 2,631 |
| Pretax return on assets | 0.9851% | 3,597 |
| Return on Equity (ROE) | 8.7875% | 2,742 |
| Retained earnings to average equity (ytd only) | 2.4935% | 4,473 |
| Net charge-offs to loans | 0.3616% | 2,826 |
| Credit loss provision to net charge-offs | 176.4706% | 1,487 |
| Earnings coverage of net charge-offs (x) | 5.6176% | 2,991 |
| Efficiency ratio | 85.5558% | 1,470 |
| Assets per employee ($millions) | 2.7383% | 6,381 |
| Cash dividends to net income (ytd only)* | 71.6250% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 2,879 |
| Loan loss allowance to noncurrent loans | 616.0494% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 6,352 |
| Noncurrent loans to loans | 0.2785% | 5,786 |
| Net loans and leases to total assets | 33.6765% | 6,560 |
| Net loans and leases to deposits | 42.0187% | 6,461 |
| Net loans and leases to core deposits | 42.0187% | 6,547 |
| Total domestic deposits to total assets | 80.1465% | 5,623 |
| Equity capital to assets | 11.0936% | 2,838 |
| Core capital (leverage) ratio | 9.8867% | 3,563 |
| Tier 1 risk-based capital ratio | 19.8593% | 1,712 |
| Total risk-based capital ratio | 21.1224% | 1,681 |
| Memoranda: | ||
| Average total assets | $81,307,800 | 5,321 |
| Average earning assets | $74,828,200 | 5,285 |
| Average equity | $9,103,800 | 5,197 |
| Average total loans | $28,204,800 | 6,031 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6321% | 3,093 |
| Cost of funding earning assets | 0.7446% | 3,393 |
| Net interest margin | 3.8875% | 2,960 |
| Noninterest income to average assets | 1.4094% | 753 |
| Noninterest expense to average assets | 4.1501% | 771 |
| Loan and lease loss provision to assets | 0.2155% | 2,907 |
| Net operating income to assets | 0.6516% | 4,134 |
| Return on assets (ROA) | 1.1573% | 2,073 |
| Pretax return on assets | 1.1590% | 3,138 |
| Return on Equity (ROE) | 10.3112% | 2,209 |
| Retained earnings to average equity (ytd only) | 2.7477% | 4,906 |
| Net charge-offs to loans | -0.0095% | 6,361 |
| Credit loss provision to net charge-offs | -6,500.0000% | 6,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6891% | 1,737 |
| Assets per employee ($millions) | 2.5857% | 6,615 |
| Cash dividends to net income (ytd only)* | 73.3527% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9575% | 2,299 |
| Loan loss allowance to noncurrent loans | 329.1667% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 5,955 |
| Noncurrent loans to loans | 0.5947% | 5,254 |
| Net loans and leases to total assets | 34.5530% | 6,633 |
| Net loans and leases to deposits | 44.0509% | 6,498 |
| Net loans and leases to core deposits | 44.0509% | 6,594 |
| Total domestic deposits to total assets | 78.4388% | 5,980 |
| Equity capital to assets | 12.2171% | 2,098 |
| Core capital (leverage) ratio | 10.0271% | 3,501 |
| Tier 1 risk-based capital ratio | 20.9757% | 1,532 |
| Total risk-based capital ratio | 22.2282% | 1,498 |
| Memoranda: | ||
| Average total assets | $80,413,000 | 5,391 |
| Average earning assets | $74,664,750 | 5,340 |
| Average equity | $9,025,500 | 5,260 |
| Average total loans | $27,984,500 | 6,110 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 2,608 |
| Cost of funding earning assets | 0.7626% | 3,493 |
| Net interest margin | 4.0118% | 2,453 |
| Noninterest income to average assets | 1.3889% | 748 |
| Noninterest expense to average assets | 4.1641% | 768 |
| Loan and lease loss provision to assets | 0.2485% | 2,583 |
| Net operating income to assets | 0.6857% | 3,945 |
| Return on assets (ROA) | 1.2050% | 1,895 |
| Pretax return on assets | 1.2075% | 2,890 |
| Return on Equity (ROE) | 11.0608% | 1,971 |
| Retained earnings to average equity (ytd only) | 1.1859% | 5,599 |
| Net charge-offs to loans | -0.0072% | 6,224 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6366% | 1,937 |
| Assets per employee ($millions) | 2.3696% | 6,846 |
| Cash dividends to net income (ytd only)* | 89.2784% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8413% | 2,729 |
| Loan loss allowance to noncurrent loans | 307.0588% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 6,018 |
| Noncurrent loans to loans | 0.5996% | 5,314 |
| Net loans and leases to total assets | 34.5406% | 6,696 |
| Net loans and leases to deposits | 45.4401% | 6,480 |
| Net loans and leases to core deposits | 45.4401% | 6,597 |
| Total domestic deposits to total assets | 76.0135% | 6,457 |
| Equity capital to assets | 11.3149% | 2,769 |
| Core capital (leverage) ratio | 9.8436% | 3,654 |
| Tier 1 risk-based capital ratio | 20.5740% | 1,555 |
| Total risk-based capital ratio | 21.8267% | 1,540 |
| Memoranda: | ||
| Average total assets | $80,498,000 | 5,420 |
| Average earning assets | $74,480,670 | 5,378 |
| Average equity | $8,769,670 | 5,331 |
| Average total loans | $27,896,000 | 6,157 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8173% | 2,567 |
| Cost of funding earning assets | 0.7796% | 3,631 |
| Net interest margin | 4.0377% | 2,342 |
| Noninterest income to average assets | 1.3621% | 775 |
| Noninterest expense to average assets | 4.1112% | 815 |
| Loan and lease loss provision to assets | 0.1988% | 2,950 |
| Net operating income to assets | 0.7805% | 3,469 |
| Return on assets (ROA) | 1.4068% | 1,361 |
| Pretax return on assets | 1.4118% | 2,156 |
| Return on Equity (ROE) | 13.1681% | 1,365 |
| Retained earnings to average equity (ytd only) | -2.4661% | 6,331 |
| Net charge-offs to loans | -0.0145% | 6,066 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6829% | 2,120 |
| Assets per employee ($millions) | 2.3270% | 6,980 |
| Cash dividends to net income (ytd only)* | 118.7279% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 3,450 |
| Loan loss allowance to noncurrent loans | 89.0173% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7457% | 5,058 |
| Noncurrent loans to loans | 1.8804% | 3,301 |
| Net loans and leases to total assets | 34.3007% | 6,723 |
| Net loans and leases to deposits | 43.0700% | 6,608 |
| Net loans and leases to core deposits | 43.0700% | 6,699 |
| Total domestic deposits to total assets | 79.6393% | 5,936 |
| Equity capital to assets | 10.9469% | 2,967 |
| Core capital (leverage) ratio | 9.7108% | 3,755 |
| Tier 1 risk-based capital ratio | 20.8161% | 1,523 |
| Total risk-based capital ratio | 22.0654% | 1,493 |
| Memoranda: | ||
| Average total assets | $80,464,000 | 5,458 |
| Average earning assets | $74,398,000 | 5,418 |
| Average equity | $8,596,500 | 5,404 |
| Average total loans | $27,669,000 | 6,211 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 3,136 |
| Cost of funding earning assets | 0.9020% | 4,102 |
| Net interest margin | 4.0420% | 2,672 |
| Noninterest income to average assets | 1.3139% | 747 |
| Noninterest expense to average assets | 3.9507% | 1,114 |
| Loan and lease loss provision to assets | 0.1862% | 4,328 |
| Net operating income to assets | 0.9556% | 2,381 |
| Return on assets (ROA) | 1.1534% | 1,767 |
| Pretax return on assets | 1.1559% | 2,627 |
| Return on Equity (ROE) | 11.6318% | 1,519 |
| Retained earnings to average equity (ytd only) | 4.3652% | 3,069 |
| Net charge-offs to loans | 0.1146% | 5,229 |
| Credit loss provision to net charge-offs | 453.1250% | 498 |
| Earnings coverage of net charge-offs (x) | 27.8438% | 889 |
| Efficiency ratio | 77.5397% | 2,656 |
| Assets per employee ($millions) | 1.9026% | 7,190 |
| Cash dividends to net income (ytd only)* | 62.4722% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 3,943 |
| Loan loss allowance to noncurrent loans | 101.4458% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 5,479 |
| Noncurrent loans to loans | 1.4961% | 3,904 |
| Net loans and leases to total assets | 33.3908% | 6,892 |
| Net loans and leases to deposits | 41.5455% | 6,812 |
| Net loans and leases to core deposits | 41.5455% | 6,901 |
| Total domestic deposits to total assets | 80.3716% | 5,635 |
| Equity capital to assets | 10.4290% | 3,611 |
| Core capital (leverage) ratio | 9.7630% | 3,657 |
| Tier 1 risk-based capital ratio | 20.3130% | 1,561 |
| Total risk-based capital ratio | 21.4356% | 1,569 |
| Memoranda: | ||
| Average total assets | $77,859,000 | 5,508 |
| Average earning assets | $72,834,400 | 5,450 |
| Average equity | $7,720,200 | 5,659 |
| Average total loans | $27,920,800 | 6,254 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2874% | 1,911 |
| Cost of funding earning assets | 0.9316% | 4,183 |
| Net interest margin | 4.3558% | 1,547 |
| Noninterest income to average assets | 0.9973% | 1,348 |
| Noninterest expense to average assets | 3.9407% | 1,085 |
| Loan and lease loss provision to assets | 0.1995% | 4,028 |
| Net operating income to assets | 0.9574% | 2,496 |
| Return on assets (ROA) | 1.1933% | 1,785 |
| Pretax return on assets | 1.1968% | 2,647 |
| Return on Equity (ROE) | 12.2027% | 1,489 |
| Retained earnings to average equity (ytd only) | 3.7957% | 4,030 |
| Net charge-offs to loans | -0.0286% | 6,964 |
| Credit loss provision to net charge-offs | -1,916.6667% | 6,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2526% | 2,647 |
| Assets per employee ($millions) | 2.3676% | 7,017 |
| Cash dividends to net income (ytd only)* | 68.8949% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 4,316 |
| Loan loss allowance to noncurrent loans | 67.5591% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 0.9036% | 4,929 |
| Noncurrent loans to loans | 2.1532% | 3,174 |
| Net loans and leases to total assets | 37.1965% | 6,813 |
| Net loans and leases to deposits | 46.7430% | 6,701 |
| Net loans and leases to core deposits | 46.7430% | 6,814 |
| Total domestic deposits to total assets | 79.5766% | 5,851 |
| Equity capital to assets | 10.8395% | 3,303 |
| Core capital (leverage) ratio | 10.0825% | 3,333 |
| Tier 1 risk-based capital ratio | 19.8569% | 1,720 |
| Total risk-based capital ratio | 20.9935% | 1,722 |
| Memoranda: | ||
| Average total assets | $76,871,250 | 5,581 |
| Average earning assets | $72,422,250 | 5,501 |
| Average equity | $7,517,250 | 5,743 |
| Average total loans | $27,966,500 | 6,306 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3057% | 1,867 |
| Cost of funding earning assets | 0.9670% | 4,197 |
| Net interest margin | 4.3388% | 1,540 |
| Noninterest income to average assets | 0.9078% | 1,624 |
| Noninterest expense to average assets | 3.7723% | 1,391 |
| Loan and lease loss provision to assets | 0.2224% | 3,696 |
| Net operating income to assets | 0.9836% | 2,288 |
| Return on assets (ROA) | 1.1903% | 1,694 |
| Pretax return on assets | 1.1929% | 2,513 |
| Return on Equity (ROE) | 12.6389% | 1,296 |
| Retained earnings to average equity (ytd only) | -0.5278% | 5,970 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7353% | 3,061 |
| Assets per employee ($millions) | 1.9590% | 7,316 |
| Cash dividends to net income (ytd only)* | 104.1758% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 4,512 |
| Loan loss allowance to noncurrent loans | 57.5403% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.7396% | 3,595 |
| Noncurrent loans to loans | 2.4535% | 2,933 |
| Net loans and leases to total assets | 36.8676% | 6,918 |
| Net loans and leases to deposits | 48.0749% | 6,719 |
| Net loans and leases to core deposits | 48.0749% | 6,853 |
| Total domestic deposits to total assets | 76.6879% | 6,497 |
| Equity capital to assets | 10.5518% | 3,439 |
| Core capital (leverage) ratio | 9.5344% | 3,902 |
| Tier 1 risk-based capital ratio | 19.8779% | 1,635 |
| Total risk-based capital ratio | 20.9537% | 1,645 |
| Memoranda: | ||
| Average total assets | $76,451,330 | 5,640 |
| Average earning assets | $71,771,670 | 5,561 |
| Average equity | $7,200,000 | 5,867 |
| Average total loans | $27,458,330 | 6,391 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0393% | 2,912 |
| Cost of funding earning assets | 0.9968% | 4,226 |
| Net interest margin | 4.0425% | 2,498 |
| Noninterest income to average assets | 0.8676% | 1,787 |
| Noninterest expense to average assets | 3.6614% | 1,624 |
| Loan and lease loss provision to assets | 0.2840% | 2,874 |
| Net operating income to assets | 0.7086% | 3,484 |
| Return on assets (ROA) | 0.8159% | 3,007 |
| Pretax return on assets | 0.8211% | 3,823 |
| Return on Equity (ROE) | 9.1961% | 2,389 |
| Retained earnings to average equity (ytd only) | -9.7199% | 6,858 |
| Net charge-offs to loans | 0.0147% | 4,878 |
| Credit loss provision to net charge-offs | 5,500.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 161 |
| Efficiency ratio | 78.6031% | 2,748 |
| Assets per employee ($millions) | 2.9343% | 6,271 |
| Cash dividends to net income (ytd only)* | 205.6962% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 5,082 |
| Loan loss allowance to noncurrent loans | 42.9419% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 2.0710% | 3,236 |
| Noncurrent loans to loans | 3.0505% | 2,460 |
| Net loans and leases to total assets | 35.7486% | 7,015 |
| Net loans and leases to deposits | 46.3763% | 6,828 |
| Net loans and leases to core deposits | 46.3763% | 6,959 |
| Total domestic deposits to total assets | 77.0838% | 6,524 |
| Equity capital to assets | 8.8005% | 5,497 |
| Core capital (leverage) ratio | 9.2315% | 4,239 |
| Tier 1 risk-based capital ratio | 18.8856% | 1,830 |
| Total risk-based capital ratio | 19.8466% | 1,881 |
| Memoranda: | ||
| Average total assets | $77,456,000 | 5,657 |
| Average earning assets | $72,629,000 | 5,584 |
| Average equity | $6,872,500 | 5,964 |
| Average total loans | $27,268,500 | 6,452 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 4,038 |
| Cost of funding earning assets | 1.2002% | 4,562 |
| Net interest margin | 3.9138% | 3,426 |
| Noninterest income to average assets | 0.9727% | 1,597 |
| Noninterest expense to average assets | 3.8096% | 1,471 |
| Loan and lease loss provision to assets | 0.3268% | 4,197 |
| Net operating income to assets | 0.5465% | 3,900 |
| Return on assets (ROA) | 0.9060% | 2,496 |
| Pretax return on assets | 0.9047% | 3,268 |
| Return on Equity (ROE) | 9.2627% | 2,191 |
| Retained earnings to average equity (ytd only) | 1.2297% | 4,939 |
| Net charge-offs to loans | 0.6220% | 3,170 |
| Credit loss provision to net charge-offs | 142.8571% | 2,618 |
| Earnings coverage of net charge-offs (x) | 3.8114% | 3,177 |
| Efficiency ratio | 81.3739% | 2,241 |
| Assets per employee ($millions) | 2.9119% | 6,291 |
| Cash dividends to net income (ytd only)* | 86.7244% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 5,760 |
| Loan loss allowance to noncurrent loans | 76.2376% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.4513% | 4,153 |
| Noncurrent loans to loans | 1.5017% | 4,223 |
| Net loans and leases to total assets | 33.8256% | 7,234 |
| Net loans and leases to deposits | 42.6288% | 7,163 |
| Net loans and leases to core deposits | 43.0108% | 7,231 |
| Total domestic deposits to total assets | 79.3490% | 6,001 |
| Equity capital to assets | 8.9429% | 5,218 |
| Core capital (leverage) ratio | 9.3927% | 3,857 |
| Tier 1 risk-based capital ratio | 19.4888% | 1,597 |
| Total risk-based capital ratio | 20.3132% | 1,670 |
| Memoranda: | ||
| Average total assets | $76,491,000 | 5,695 |
| Average earning assets | $72,486,600 | 5,586 |
| Average equity | $7,481,600 | 5,879 |
| Average total loans | $28,134,800 | 6,491 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2253% | 3,703 |
| Cost of funding earning assets | 1.2280% | 4,698 |
| Net interest margin | 3.9973% | 3,114 |
| Noninterest income to average assets | 0.9865% | 1,498 |
| Noninterest expense to average assets | 3.8301% | 1,322 |
| Loan and lease loss provision to assets | 0.2896% | 4,260 |
| Net operating income to assets | 0.6740% | 3,531 |
| Return on assets (ROA) | 0.9075% | 2,724 |
| Pretax return on assets | 0.9057% | 3,532 |
| Return on Equity (ROE) | 9.0769% | 2,463 |
| Retained earnings to average equity (ytd only) | -1.4748% | 6,095 |
| Net charge-offs to loans | -0.2906% | 7,646 |
| Credit loss provision to net charge-offs | -266.1290% | 6,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9267% | 2,348 |
| Assets per employee ($millions) | 2.8153% | 6,554 |
| Cash dividends to net income (ytd only)* | 116.2464% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 3,299 |
| Loan loss allowance to noncurrent loans | 52.0362% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.6821% | 3,921 |
| Noncurrent loans to loans | 3.1903% | 2,498 |
| Net loans and leases to total assets | 34.5672% | 7,325 |
| Net loans and leases to deposits | 43.1920% | 7,263 |
| Net loans and leases to core deposits | 43.5656% | 7,337 |
| Total domestic deposits to total assets | 80.0315% | 5,702 |
| Equity capital to assets | 10.4099% | 3,628 |
| Core capital (leverage) ratio | 9.3741% | 4,100 |
| Tier 1 risk-based capital ratio | 19.1695% | 1,713 |
| Total risk-based capital ratio | 20.4106% | 1,682 |
| Memoranda: | ||
| Average total assets | $75,958,500 | 5,774 |
| Average earning assets | $72,313,500 | 5,660 |
| Average equity | $7,594,250 | 5,912 |
| Average total loans | $28,443,000 | 6,562 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3487% | 3,224 |
| Cost of funding earning assets | 1.2610% | 4,762 |
| Net interest margin | 4.0877% | 2,619 |
| Noninterest income to average assets | 0.9973% | 1,386 |
| Noninterest expense to average assets | 3.9172% | 1,159 |
| Loan and lease loss provision to assets | 0.2400% | 4,514 |
| Net operating income to assets | 0.7413% | 3,231 |
| Return on assets (ROA) | 0.9706% | 2,377 |
| Pretax return on assets | 0.9680% | 3,244 |
| Return on Equity (ROE) | 9.8507% | 2,154 |
| Retained earnings to average equity (ytd only) | -6.4138% | 6,688 |
| Net charge-offs to loans | -0.9760% | 7,761 |
| Credit loss provision to net charge-offs | -64.2857% | 6,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0109% | 2,448 |
| Assets per employee ($millions) | 2.7541% | 6,679 |
| Cash dividends to net income (ytd only)* | 165.1099% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6197% | 3,371 |
| Loan loss allowance to noncurrent loans | 56.1893% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.1081% | 4,921 |
| Noncurrent loans to loans | 2.8825% | 2,773 |
| Net loans and leases to total assets | 37.8196% | 7,275 |
| Net loans and leases to deposits | 47.4546% | 7,189 |
| Net loans and leases to core deposits | 47.8909% | 7,286 |
| Total domestic deposits to total assets | 79.6963% | 5,821 |
| Equity capital to assets | 10.1895% | 3,783 |
| Core capital (leverage) ratio | 9.3549% | 4,033 |
| Tier 1 risk-based capital ratio | 19.0696% | 1,705 |
| Total risk-based capital ratio | 20.3396% | 1,664 |
| Memoranda: | ||
| Average total assets | $75,001,670 | 5,835 |
| Average earning assets | $71,531,330 | 5,720 |
| Average equity | $7,390,330 | 6,002 |
| Average total loans | $28,687,670 | 6,596 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2459% | 3,801 |
| Cost of funding earning assets | 1.2739% | 4,972 |
| Net interest margin | 3.9720% | 2,988 |
| Noninterest income to average assets | 0.9559% | 1,428 |
| Noninterest expense to average assets | 3.7227% | 1,471 |
| Loan and lease loss provision to assets | 0.0797% | 5,846 |
| Net operating income to assets | 0.9506% | 2,357 |
| Return on assets (ROA) | 0.9506% | 2,425 |
| Pretax return on assets | 0.9453% | 3,286 |
| Return on Equity (ROE) | 9.8123% | 2,169 |
| Retained earnings to average equity (ytd only) | -14.6362% | 7,198 |
| Net charge-offs to loans | -1.9347% | 7,866 |
| Credit loss provision to net charge-offs | -10.7914% | 5,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4116% | 2,828 |
| Assets per employee ($millions) | 2.5670% | 7,104 |
| Cash dividends to net income (ytd only)* | 249.1620% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 4,715 |
| Loan loss allowance to noncurrent loans | 62.2186% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 5,484 |
| Noncurrent loans to loans | 2.1590% | 3,579 |
| Net loans and leases to total assets | 38.1790% | 7,341 |
| Net loans and leases to deposits | 47.6967% | 7,247 |
| Net loans and leases to core deposits | 48.1476% | 7,355 |
| Total domestic deposits to total assets | 80.0454% | 5,766 |
| Equity capital to assets | 9.8302% | 4,075 |
| Core capital (leverage) ratio | 9.2961% | 4,068 |
| Tier 1 risk-based capital ratio | 19.6620% | 1,594 |
| Total risk-based capital ratio | 20.7613% | 1,585 |
| Memoranda: | ||
| Average total assets | $75,322,000 | 5,894 |
| Average earning assets | $71,903,500 | 5,779 |
| Average equity | $7,297,000 | 6,085 |
| Average total loans | $28,738,500 | 6,674 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4579% | 4,400 |
| Cost of funding earning assets | 1.4748% | 5,613 |
| Net interest margin | 3.9832% | 2,925 |
| Noninterest income to average assets | 0.9771% | 1,644 |
| Noninterest expense to average assets | 3.7265% | 1,848 |
| Loan and lease loss provision to assets | 0.5301% | 3,724 |
| Net operating income to assets | 0.3811% | 4,199 |
| Return on assets (ROA) | 0.7679% | 2,739 |
| Pretax return on assets | 0.7679% | 3,355 |
| Return on Equity (ROE) | 7.5661% | 2,556 |
| Retained earnings to average equity (ytd only) | 1.9198% | 3,753 |
| Net charge-offs to loans | 1.1698% | 2,092 |
| Credit loss provision to net charge-offs | 110.1190% | 4,997 |
| Earnings coverage of net charge-offs (x) | 1.8929% | 4,304 |
| Efficiency ratio | 80.3522% | 2,832 |
| Assets per employee ($millions) | 2.6276% | 6,988 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8128% | 7,092 |
| Loan loss allowance to noncurrent loans | 52.2422% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5853% | 5,995 |
| Noncurrent loans to loans | 1.5557% | 4,319 |
| Net loans and leases to total assets | 37.3163% | 7,468 |
| Net loans and leases to deposits | 46.3254% | 7,427 |
| Net loans and leases to core deposits | 50.2572% | 7,585 |
| Total domestic deposits to total assets | 80.5525% | 5,489 |
| Equity capital to assets | 9.5486% | 4,355 |
| Core capital (leverage) ratio | 9.8841% | 3,223 |
| Tier 1 risk-based capital ratio | 20.3683% | 1,397 |
| Total risk-based capital ratio | 21.0285% | 1,463 |
| Memoranda: | ||
| Average total assets | $69,797,000 | 6,009 |
| Average earning assets | $64,145,000 | 5,995 |
| Average equity | $7,084,200 | 6,244 |
| Average total loans | $28,721,800 | 6,708 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5730% | 4,017 |
| Cost of funding earning assets | 1.5193% | 5,750 |
| Net interest margin | 4.0536% | 2,577 |
| Noninterest income to average assets | 1.0421% | 1,463 |
| Noninterest expense to average assets | 3.7890% | 1,614 |
| Loan and lease loss provision to assets | 0.4946% | 3,428 |
| Net operating income to assets | 0.4516% | 4,186 |
| Return on assets (ROA) | 0.4125% | 4,446 |
| Pretax return on assets | 0.4125% | 4,764 |
| Return on Equity (ROE) | 3.9983% | 4,375 |
| Retained earnings to average equity (ytd only) | -1.6864% | 5,656 |
| Net charge-offs to loans | 1.0626% | 1,870 |
| Credit loss provision to net charge-offs | 110.4803% | 4,605 |
| Earnings coverage of net charge-offs (x) | 2.1135% | 4,235 |
| Efficiency ratio | 80.0165% | 2,839 |
| Assets per employee ($millions) | 2.6777% | 6,899 |
| Cash dividends to net income (ytd only)* | 142.1782% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7894% | 7,155 |
| Loan loss allowance to noncurrent loans | 138.5093% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 6,160 |
| Noncurrent loans to loans | 0.5700% | 6,179 |
| Net loans and leases to total assets | 38.7637% | 7,520 |
| Net loans and leases to deposits | 49.1425% | 7,451 |
| Net loans and leases to core deposits | 53.7258% | 7,601 |
| Total domestic deposits to total assets | 78.8802% | 5,845 |
| Equity capital to assets | 10.6325% | 3,368 |
| Core capital (leverage) ratio | 9.8274% | 3,486 |
| Tier 1 risk-based capital ratio | 20.0715% | 1,545 |
| Total risk-based capital ratio | 20.7141% | 1,617 |
| Memoranda: | ||
| Average total assets | $68,196,250 | 6,098 |
| Average earning assets | $62,131,750 | 6,100 |
| Average equity | $7,036,250 | 6,307 |
| Average total loans | $28,735,250 | 6,758 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6751% | 3,690 |
| Cost of funding earning assets | 1.5583% | 5,894 |
| Net interest margin | 4.1168% | 2,266 |
| Noninterest income to average assets | 1.0055% | 1,579 |
| Noninterest expense to average assets | 3.8606% | 1,555 |
| Loan and lease loss provision to assets | 0.7482% | 2,193 |
| Net operating income to assets | 0.1047% | 5,550 |
| Return on assets (ROA) | 0.2514% | 5,176 |
| Pretax return on assets | 0.2514% | 5,324 |
| Return on Equity (ROE) | 2.4636% | 5,121 |
| Retained earnings to average equity (ytd only) | -6.3349% | 6,495 |
| Net charge-offs to loans | 1.5918% | 1,188 |
| Credit loss provision to net charge-offs | 108.6957% | 4,253 |
| Earnings coverage of net charge-offs (x) | 1.2391% | 4,606 |
| Efficiency ratio | 81.9048% | 2,734 |
| Assets per employee ($millions) | 2.5148% | 7,222 |
| Cash dividends to net income (ytd only)* | 357.1429% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7763% | 7,231 |
| Loan loss allowance to noncurrent loans | 251.7241% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 6,338 |
| Noncurrent loans to loans | 0.3084% | 6,741 |
| Net loans and leases to total assets | 41.2230% | 7,493 |
| Net loans and leases to deposits | 52.3990% | 7,361 |
| Net loans and leases to core deposits | 57.0491% | 7,556 |
| Total domestic deposits to total assets | 78.6713% | 5,905 |
| Equity capital to assets | 10.1474% | 3,772 |
| Core capital (leverage) ratio | 10.2764% | 3,016 |
| Tier 1 risk-based capital ratio | 19.6156% | 1,649 |
| Total risk-based capital ratio | 20.2410% | 1,734 |
| Memoranda: | ||
| Average total assets | $66,829,330 | 6,195 |
| Average earning assets | $60,192,330 | 6,216 |
| Average equity | $6,819,330 | 6,435 |
| Average total loans | $28,897,670 | 6,796 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8535% | 3,023 |
| Cost of funding earning assets | 1.5829% | 6,101 |
| Net interest margin | 4.2706% | 1,673 |
| Noninterest income to average assets | 0.9473% | 1,658 |
| Noninterest expense to average assets | 3.8012% | 1,468 |
| Loan and lease loss provision to assets | 1.5084% | 831 |
| Net operating income to assets | -0.5370% | 6,910 |
| Return on assets (ROA) | -0.6577% | 7,053 |
| Pretax return on assets | -0.6577% | 6,937 |
| Return on Equity (ROE) | -6.4269% | 7,100 |
| Retained earnings to average equity (ytd only) | -24.1156% | 7,750 |
| Net charge-offs to loans | -0.0547% | 7,722 |
| Credit loss provision to net charge-offs | -6,250.0000% | 6,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6460% | 2,872 |
| Assets per employee ($millions) | 2.5254% | 7,231 |
| Cash dividends to net income (ytd only)* | -275.2294% | 8,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 2,662 |
| Loan loss allowance to noncurrent loans | 114.3939% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.9306% | 4,865 |
| Noncurrent loans to loans | 1.3701% | 4,261 |
| Net loans and leases to total assets | 43.3293% | 7,389 |
| Net loans and leases to deposits | 55.3039% | 7,203 |
| Net loans and leases to core deposits | 59.7288% | 7,469 |
| Total domestic deposits to total assets | 78.3475% | 5,908 |
| Equity capital to assets | 10.1066% | 3,879 |
| Core capital (leverage) ratio | 9.9892% | 3,424 |
| Tier 1 risk-based capital ratio | 17.9852% | 2,057 |
| Total risk-based capital ratio | 19.2113% | 2,010 |
| Memoranda: | ||
| Average total assets | $66,294,500 | 6,241 |
| Average earning assets | $59,383,000 | 6,285 |
| Average equity | $6,784,000 | 6,488 |
| Average total loans | $29,242,000 | 6,809 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2451% | 4,272 |
| Cost of funding earning assets | 1.7239% | 7,207 |
| Net interest margin | 4.5212% | 1,373 |
| Noninterest income to average assets | 1.1750% | 1,114 |
| Noninterest expense to average assets | 3.9772% | 1,455 |
| Loan and lease loss provision to assets | 0.3742% | 3,441 |
| Net operating income to assets | 0.9871% | 2,600 |
| Return on assets (ROA) | 1.1448% | 1,889 |
| Pretax return on assets | 1.1193% | 2,959 |
| Return on Equity (ROE) | 10.7039% | 2,007 |
| Retained earnings to average equity (ytd only) | 5.5976% | 1,714 |
| Net charge-offs to loans | 0.6749% | 1,828 |
| Credit loss provision to net charge-offs | 115.7635% | 4,663 |
| Earnings coverage of net charge-offs (x) | 4.1330% | 4,091 |
| Efficiency ratio | 74.8577% | 3,425 |
| Assets per employee ($millions) | 2.4789% | 7,240 |
| Cash dividends to net income (ytd only)* | 47.7051% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6727% | 7,494 |
| Loan loss allowance to noncurrent loans | 88.4444% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 5,247 |
| Noncurrent loans to loans | 0.7606% | 5,134 |
| Net loans and leases to total assets | 43.9003% | 7,476 |
| Net loans and leases to deposits | 56.0490% | 7,317 |
| Net loans and leases to core deposits | 60.1388% | 7,583 |
| Total domestic deposits to total assets | 78.3248% | 5,604 |
| Equity capital to assets | 10.3572% | 3,659 |
| Core capital (leverage) ratio | 10.7382% | 2,788 |
| Tier 1 risk-based capital ratio | 18.3650% | 1,945 |
| Total risk-based capital ratio | 18.8831% | 2,079 |
| Memoranda: | ||
| Average total assets | $62,808,400 | 6,287 |
| Average earning assets | $57,484,800 | 6,284 |
| Average equity | $6,717,200 | 6,560 |
| Average total loans | $30,077,000 | 6,708 |