Home > Northwoods Bank of Minnesota > Performance and Condition Ratios
Northwoods Bank of Minnesota, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 3,757 |
| Cost of funding earning assets | 0.8359% | 3,644 |
| Net interest margin | 3.2908% | 2,660 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.7647% | 1,591 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7753% | 2,959 |
| Return on assets (ROA) | 0.5895% | 3,454 |
| Pretax return on assets | 0.6338% | 3,578 |
| Return on Equity (ROE) | 8.6900% | 2,832 |
| Retained earnings to average equity (ytd only) | 0.6951% | 3,899 |
| Net charge-offs to loans | 0.0175% | 2,010 |
| Credit loss provision to net charge-offs | 107.6923% | 1,769 |
| Earnings coverage of net charge-offs (x) | 92.2308% | 937 |
| Efficiency ratio | 76.6231% | 1,196 |
| Assets per employee ($millions) | 4.6202% | 3,879 |
| Cash dividends to net income (ytd only)* | 92.0048% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 1,183 |
| Loan loss allowance to noncurrent loans | 18,033.3333% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,789 |
| Noncurrent loans to loans | 0.0081% | 3,715 |
| Net loans and leases to total assets | 52.8000% | 3,428 |
| Net loans and leases to deposits | 58.7302% | 3,596 |
| Net loans and leases to core deposits | 62.1051% | 3,676 |
| Total domestic deposits to total assets | 89.9100% | 779 |
| Equity capital to assets | 7.6410% | 3,632 |
| Core capital (leverage) ratio | 10.8848% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $142,149,400 | 3,440 |
| Average earning assets | $134,102,200 | 3,403 |
| Average equity | $9,638,600 | 3,760 |
| Average total loans | $74,221,800 | 3,490 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 3,733 |
| Cost of funding earning assets | 0.7373% | 3,686 |
| Net interest margin | 3.3236% | 2,631 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.7126% | 1,624 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8764% | 2,774 |
| Return on assets (ROA) | 0.8641% | 2,799 |
| Pretax return on assets | 0.9228% | 3,050 |
| Return on Equity (ROE) | 13.1500% | 1,871 |
| Retained earnings to average equity (ytd only) | 2.2126% | 3,685 |
| Net charge-offs to loans | 0.0162% | 1,818 |
| Credit loss provision to net charge-offs | 88.8889% | 1,700 |
| Earnings coverage of net charge-offs (x) | 112.4444% | 870 |
| Efficiency ratio | 74.1968% | 1,346 |
| Assets per employee ($millions) | 4.8216% | 3,722 |
| Cash dividends to net income (ytd only)* | 83.1715% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 1,295 |
| Loan loss allowance to noncurrent loans | 837.9845% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 2,967 |
| Noncurrent loans to loans | 0.1715% | 2,679 |
| Net loans and leases to total assets | 53.0200% | 3,422 |
| Net loans and leases to deposits | 57.6268% | 3,624 |
| Net loans and leases to core deposits | 61.1788% | 3,647 |
| Total domestic deposits to total assets | 92.0000% | 448 |
| Equity capital to assets | 6.1348% | 3,943 |
| Core capital (leverage) ratio | 10.4444% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $143,035,000 | 3,436 |
| Average earning assets | $134,549,500 | 3,405 |
| Average equity | $9,400,500 | 3,782 |
| Average total loans | $74,209,500 | 3,495 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 3,846 |
| Cost of funding earning assets | 0.6121% | 3,716 |
| Net interest margin | 3.2990% | 2,750 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.6397% | 1,822 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8607% | 2,886 |
| Return on assets (ROA) | 0.8424% | 2,959 |
| Pretax return on assets | 0.9007% | 3,162 |
| Return on Equity (ROE) | 12.5500% | 1,997 |
| Retained earnings to average equity (ytd only) | 0.8476% | 3,937 |
| Net charge-offs to loans | 0.0271% | 1,349 |
| Credit loss provision to net charge-offs | 60.0000% | 1,630 |
| Earnings coverage of net charge-offs (x) | 66.9000% | 1,130 |
| Efficiency ratio | 73.9790% | 1,344 |
| Assets per employee ($millions) | 4.9097% | 3,667 |
| Cash dividends to net income (ytd only)* | 93.2455% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,310 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 3,750 |
| Noncurrent loans to loans | 0.0190% | 3,626 |
| Net loans and leases to total assets | 51.1100% | 3,480 |
| Net loans and leases to deposits | 55.8339% | 3,655 |
| Net loans and leases to core deposits | 59.8083% | 3,642 |
| Total domestic deposits to total assets | 91.5400% | 501 |
| Equity capital to assets | 6.5831% | 3,960 |
| Core capital (leverage) ratio | 10.6770% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $144,104,667 | 3,438 |
| Average earning assets | $134,951,667 | 3,413 |
| Average equity | $9,674,667 | 3,778 |
| Average total loans | $73,874,333 | 3,507 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7991% | 3,858 |
| Cost of funding earning assets | 0.4457% | 3,847 |
| Net interest margin | 3.3534% | 2,744 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.5716% | 2,044 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.9993% | 2,526 |
| Return on assets (ROA) | 0.9630% | 2,608 |
| Pretax return on assets | 1.0209% | 2,931 |
| Return on Equity (ROE) | 14.2100% | 1,738 |
| Retained earnings to average equity (ytd only) | 7.8164% | 2,270 |
| Net charge-offs to loans | 0.0271% | 1,154 |
| Credit loss provision to net charge-offs | 60.0000% | 1,278 |
| Earnings coverage of net charge-offs (x) | 77.4000% | 907 |
| Efficiency ratio | 70.6596% | 1,682 |
| Assets per employee ($millions) | 4.7763% | 3,816 |
| Cash dividends to net income (ytd only)* | 44.9857% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 1,387 |
| Loan loss allowance to noncurrent loans | 8,300.0000% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 3,783 |
| Noncurrent loans to loans | 0.0176% | 3,665 |
| Net loans and leases to total assets | 50.7300% | 3,439 |
| Net loans and leases to deposits | 55.2199% | 3,620 |
| Net loans and leases to core deposits | 58.9298% | 3,586 |
| Total domestic deposits to total assets | 91.8800% | 546 |
| Equity capital to assets | 6.9943% | 3,834 |
| Core capital (leverage) ratio | 10.5030% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $144,967,000 | 3,473 |
| Average earning assets | $135,504,500 | 3,454 |
| Average equity | $9,825,500 | 3,807 |
| Average total loans | $73,887,500 | 3,542 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5158% | 3,036 |
| Cost of funding earning assets | 0.1721% | 3,987 |
| Net interest margin | 3.3437% | 2,437 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.6423% | 1,699 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9435% | 2,799 |
| Return on assets (ROA) | 0.9112% | 2,855 |
| Pretax return on assets | 0.9632% | 3,182 |
| Return on Equity (ROE) | 12.1600% | 2,090 |
| Retained earnings to average equity (ytd only) | 5.1085% | 2,999 |
| Net charge-offs to loans | 0.0040% | 2,308 |
| Credit loss provision to net charge-offs | 300.0000% | 912 |
| Earnings coverage of net charge-offs (x) | 483.0000% | 339 |
| Efficiency ratio | 72.4786% | 1,389 |
| Assets per employee ($millions) | 5.0567% | 3,630 |
| Cash dividends to net income (ytd only)* | 57.9787% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 1,308 |
| Loan loss allowance to noncurrent loans | 8,315.3846% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 3,811 |
| Noncurrent loans to loans | 0.0176% | 3,708 |
| Net loans and leases to total assets | 49.7200% | 3,524 |
| Net loans and leases to deposits | 53.8128% | 3,686 |
| Net loans and leases to core deposits | 57.1364% | 3,666 |
| Total domestic deposits to total assets | 92.4000% | 545 |
| Equity capital to assets | 6.5662% | 3,877 |
| Core capital (leverage) ratio | 10.5474% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $144,421,200 | 3,498 |
| Average earning assets | $135,417,600 | 3,463 |
| Average equity | $10,825,000 | 3,778 |
| Average total loans | $74,334,000 | 3,501 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4404% | 2,800 |
| Cost of funding earning assets | 0.1376% | 3,961 |
| Net interest margin | 3.3028% | 2,285 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.6552% | 1,581 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9249% | 2,775 |
| Return on assets (ROA) | 0.9249% | 2,745 |
| Pretax return on assets | 1.0028% | 3,003 |
| Return on Equity (ROE) | 11.9600% | 2,044 |
| Retained earnings to average equity (ytd only) | 2.8167% | 3,826 |
| Net charge-offs to loans | 0.0072% | 1,881 |
| Credit loss provision to net charge-offs | 450.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 506 |
| Efficiency ratio | 72.2573% | 1,479 |
| Assets per employee ($millions) | 4.9194% | 3,748 |
| Cash dividends to net income (ytd only)* | 76.4529% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 1,313 |
| Loan loss allowance to noncurrent loans | 6,806.2500% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 3,862 |
| Noncurrent loans to loans | 0.0219% | 3,748 |
| Net loans and leases to total assets | 50.3800% | 3,429 |
| Net loans and leases to deposits | 54.1603% | 3,590 |
| Net loans and leases to core deposits | 56.1486% | 3,619 |
| Total domestic deposits to total assets | 93.0100% | 579 |
| Equity capital to assets | 5.8614% | 4,013 |
| Core capital (leverage) ratio | 10.0532% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $143,865,250 | 3,527 |
| Average earning assets | $135,641,000 | 3,492 |
| Average equity | $11,124,000 | 3,794 |
| Average total loans | $74,417,750 | 3,512 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3446% | 2,591 |
| Cost of funding earning assets | 0.1357% | 3,767 |
| Net interest margin | 3.2089% | 2,157 |
| Noninterest income to average assets | 0.4838% | 2,287 |
| Noninterest expense to average assets | 2.5841% | 1,685 |
| Loan and lease loss provision to assets | 0.0222% | 2,202 |
| Net operating income to assets | 0.8165% | 2,896 |
| Return on assets (ROA) | 0.8165% | 2,866 |
| Pretax return on assets | 0.8942% | 3,085 |
| Return on Equity (ROE) | 9.7803% | 2,415 |
| Retained earnings to average equity (ytd only) | 0.3985% | 4,111 |
| Net charge-offs to loans | 0.0160% | 1,435 |
| Credit loss provision to net charge-offs | 266.6667% | 841 |
| Earnings coverage of net charge-offs (x) | 110.1667% | 772 |
| Efficiency ratio | 73.8218% | 1,529 |
| Assets per employee ($millions) | 4.6660% | 3,961 |
| Cash dividends to net income (ytd only)* | 95.9253% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 1,515 |
| Loan loss allowance to noncurrent loans | 5,715.7895% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 3,888 |
| Noncurrent loans to loans | 0.0256% | 3,766 |
| Net loans and leases to total assets | 52.3228% | 3,122 |
| Net loans and leases to deposits | 56.7482% | 3,320 |
| Net loans and leases to core deposits | 58.8904% | 3,353 |
| Total domestic deposits to total assets | 92.2018% | 758 |
| Equity capital to assets | 6.5587% | 3,995 |
| Core capital (leverage) ratio | 10.2357% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,266,000 | 3,561 |
| Average earning assets | $135,622,667 | 3,539 |
| Average equity | $12,044,667 | 3,782 |
| Average total loans | $74,904,667 | 3,532 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2918% | 2,408 |
| Cost of funding earning assets | 0.1435% | 3,583 |
| Net interest margin | 3.1483% | 2,028 |
| Noninterest income to average assets | 0.4836% | 2,216 |
| Noninterest expense to average assets | 2.4807% | 1,927 |
| Loan and lease loss provision to assets | 0.0219% | 1,959 |
| Net operating income to assets | 0.8415% | 2,518 |
| Return on assets (ROA) | 0.8415% | 2,511 |
| Pretax return on assets | 0.9180% | 2,708 |
| Return on Equity (ROE) | 9.1418% | 2,269 |
| Retained earnings to average equity (ytd only) | 2.4339% | 3,425 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5240% | 1,914 |
| Assets per employee ($millions) | 5.0691% | 3,695 |
| Cash dividends to net income (ytd only)* | 73.3766% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 1,691 |
| Loan loss allowance to noncurrent loans | 4,713.0435% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,897 |
| Noncurrent loans to loans | 0.0309% | 3,768 |
| Net loans and leases to total assets | 51.6529% | 3,015 |
| Net loans and leases to deposits | 58.1822% | 3,059 |
| Net loans and leases to core deposits | 60.4334% | 3,104 |
| Total domestic deposits to total assets | 88.7779% | 2,179 |
| Equity capital to assets | 8.5082% | 3,154 |
| Core capital (leverage) ratio | 9.8253% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,408,500 | 3,549 |
| Average earning assets | $136,583,500 | 3,543 |
| Average equity | $13,476,500 | 3,708 |
| Average total loans | $75,193,000 | 3,538 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 2,108 |
| Cost of funding earning assets | 0.1880% | 3,576 |
| Net interest margin | 3.5131% | 1,694 |
| Noninterest income to average assets | 0.5716% | 2,271 |
| Noninterest expense to average assets | 2.5674% | 1,968 |
| Loan and lease loss provision to assets | 0.0781% | 1,561 |
| Net operating income to assets | 1.1091% | 2,256 |
| Return on assets (ROA) | 1.1091% | 2,319 |
| Pretax return on assets | 1.1955% | 2,675 |
| Return on Equity (ROE) | 10.5469% | 2,328 |
| Retained earnings to average equity (ytd only) | 3.8913% | 3,262 |
| Net charge-offs to loans | -0.1443% | 4,660 |
| Credit loss provision to net charge-offs | -100.9009% | 3,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8421% | 2,141 |
| Assets per employee ($millions) | 5.3887% | 3,369 |
| Cash dividends to net income (ytd only)* | 63.1050% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 1,865 |
| Loan loss allowance to noncurrent loans | 4,479.1667% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,979 |
| Noncurrent loans to loans | 0.0316% | 3,847 |
| Net loans and leases to total assets | 49.6504% | 3,330 |
| Net loans and leases to deposits | 57.2221% | 3,319 |
| Net loans and leases to core deposits | 59.3486% | 3,367 |
| Total domestic deposits to total assets | 86.7679% | 2,590 |
| Equity capital to assets | 9.8600% | 2,790 |
| Core capital (leverage) ratio | 9.5305% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,454,400 | 3,552 |
| Average earning assets | $133,500,400 | 3,536 |
| Average equity | $15,085,000 | 3,624 |
| Average total loans | $76,907,800 | 3,526 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7698% | 2,091 |
| Cost of funding earning assets | 0.2014% | 3,591 |
| Net interest margin | 3.5684% | 1,678 |
| Noninterest income to average assets | 0.5697% | 2,337 |
| Noninterest expense to average assets | 2.5414% | 1,997 |
| Loan and lease loss provision to assets | 0.1017% | 1,185 |
| Net operating income to assets | 1.2448% | 2,006 |
| Return on assets (ROA) | 1.2448% | 2,071 |
| Pretax return on assets | 1.2467% | 2,781 |
| Return on Equity (ROE) | 11.6445% | 2,159 |
| Retained earnings to average equity (ytd only) | 2.8010% | 3,967 |
| Net charge-offs to loans | -0.0640% | 4,450 |
| Credit loss provision to net charge-offs | -291.8919% | 3,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3353% | 2,195 |
| Assets per employee ($millions) | 5.1134% | 3,585 |
| Cash dividends to net income (ytd only)* | 75.9455% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,692 |
| Loan loss allowance to noncurrent loans | 154.7287% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 1,731 |
| Noncurrent loans to loans | 0.8126% | 1,402 |
| Net loans and leases to total assets | 52.8566% | 3,101 |
| Net loans and leases to deposits | 61.8500% | 3,057 |
| Net loans and leases to core deposits | 64.4397% | 3,090 |
| Total domestic deposits to total assets | 85.4594% | 2,961 |
| Equity capital to assets | 10.2301% | 2,677 |
| Core capital (leverage) ratio | 9.3779% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,597,250 | 3,610 |
| Average earning assets | $131,744,500 | 3,598 |
| Average equity | $15,137,000 | 3,667 |
| Average total loans | $77,137,500 | 3,577 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8939% | 1,832 |
| Cost of funding earning assets | 0.2133% | 3,620 |
| Net interest margin | 3.6805% | 1,394 |
| Noninterest income to average assets | 0.4205% | 3,002 |
| Noninterest expense to average assets | 2.5530% | 1,984 |
| Loan and lease loss provision to assets | 0.1249% | 1,005 |
| Net operating income to assets | 1.1581% | 2,341 |
| Return on assets (ROA) | 1.1581% | 2,401 |
| Pretax return on assets | 1.1595% | 3,028 |
| Return on Equity (ROE) | 10.6704% | 2,542 |
| Retained earnings to average equity (ytd only) | 1.4148% | 4,258 |
| Net charge-offs to loans | -0.0864% | 4,582 |
| Credit loss provision to net charge-offs | -263.6364% | 3,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5295% | 2,081 |
| Assets per employee ($millions) | 4.9877% | 3,667 |
| Cash dividends to net income (ytd only)* | 86.7410% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,660 |
| Loan loss allowance to noncurrent loans | 271.7877% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 2,691 |
| Noncurrent loans to loans | 0.4619% | 2,292 |
| Net loans and leases to total assets | 52.9141% | 3,264 |
| Net loans and leases to deposits | 62.1138% | 3,187 |
| Net loans and leases to core deposits | 65.6229% | 3,145 |
| Total domestic deposits to total assets | 85.1889% | 3,022 |
| Equity capital to assets | 10.3234% | 2,558 |
| Core capital (leverage) ratio | 9.7150% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,367,000 | 3,643 |
| Average earning assets | $129,383,333 | 3,634 |
| Average equity | $15,126,000 | 3,671 |
| Average total loans | $76,390,667 | 3,613 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 1,524 |
| Cost of funding earning assets | 0.2426% | 3,542 |
| Net interest margin | 3.7991% | 1,143 |
| Noninterest income to average assets | 0.3423% | 3,382 |
| Noninterest expense to average assets | 2.5393% | 2,056 |
| Loan and lease loss provision to assets | 0.1375% | 979 |
| Net operating income to assets | 1.1907% | 2,183 |
| Return on assets (ROA) | 1.1907% | 2,255 |
| Pretax return on assets | 1.1936% | 2,859 |
| Return on Equity (ROE) | 10.6943% | 2,461 |
| Retained earnings to average equity (ytd only) | 5.7282% | 2,995 |
| Net charge-offs to loans | -0.1688% | 4,759 |
| Credit loss provision to net charge-offs | -146.8750% | 2,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6085% | 2,285 |
| Assets per employee ($millions) | 4.7433% | 3,892 |
| Cash dividends to net income (ytd only)* | 46.4373% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,957 |
| Loan loss allowance to noncurrent loans | 173.8318% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 2,242 |
| Noncurrent loans to loans | 0.6879% | 1,865 |
| Net loans and leases to total assets | 55.8620% | 3,057 |
| Net loans and leases to deposits | 66.0339% | 2,914 |
| Net loans and leases to core deposits | 68.1323% | 3,047 |
| Total domestic deposits to total assets | 84.5960% | 3,252 |
| Equity capital to assets | 10.8989% | 1,935 |
| Core capital (leverage) ratio | 10.1975% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,729,500 | 3,670 |
| Average earning assets | $126,978,500 | 3,659 |
| Average equity | $15,223,000 | 3,667 |
| Average total loans | $75,831,500 | 3,636 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 1,649 |
| Cost of funding earning assets | 0.3919% | 3,629 |
| Net interest margin | 3.9853% | 1,002 |
| Noninterest income to average assets | 0.6918% | 1,892 |
| Noninterest expense to average assets | 2.9344% | 1,589 |
| Loan and lease loss provision to assets | 0.1318% | 2,717 |
| Net operating income to assets | 1.3256% | 1,188 |
| Return on assets (ROA) | 1.3845% | 1,149 |
| Pretax return on assets | 1.3860% | 1,700 |
| Return on Equity (ROE) | 12.2366% | 1,252 |
| Retained earnings to average equity (ytd only) | 4.5757% | 2,494 |
| Net charge-offs to loans | 0.0970% | 1,496 |
| Credit loss provision to net charge-offs | 243.4783% | 1,964 |
| Earnings coverage of net charge-offs (x) | 26.9565% | 1,698 |
| Efficiency ratio | 66.7916% | 2,390 |
| Assets per employee ($millions) | 4.8537% | 3,544 |
| Cash dividends to net income (ytd only)* | 62.6062% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 3,197 |
| Loan loss allowance to noncurrent loans | 93.1148% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 1,550 |
| Noncurrent loans to loans | 1.2383% | 1,119 |
| Net loans and leases to total assets | 53.7438% | 3,513 |
| Net loans and leases to deposits | 64.6618% | 3,390 |
| Net loans and leases to core deposits | 66.7776% | 3,481 |
| Total domestic deposits to total assets | 83.1153% | 3,377 |
| Equity capital to assets | 11.3713% | 1,976 |
| Core capital (leverage) ratio | 10.1954% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,487,000 | 3,664 |
| Average earning assets | $118,409,600 | 3,640 |
| Average equity | $14,424,000 | 3,705 |
| Average total loans | $71,169,200 | 3,709 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 1,787 |
| Cost of funding earning assets | 0.4274% | 3,655 |
| Net interest margin | 3.9977% | 1,120 |
| Noninterest income to average assets | 0.6784% | 1,862 |
| Noninterest expense to average assets | 2.8722% | 1,766 |
| Loan and lease loss provision to assets | 0.1651% | 2,351 |
| Net operating income to assets | 1.3590% | 1,203 |
| Return on assets (ROA) | 1.4388% | 1,106 |
| Pretax return on assets | 1.4409% | 1,605 |
| Return on Equity (ROE) | 12.7339% | 1,191 |
| Retained earnings to average equity (ytd only) | 2.3341% | 3,809 |
| Net charge-offs to loans | 0.0189% | 2,480 |
| Credit loss provision to net charge-offs | 1,550.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 143.5000% | 626 |
| Efficiency ratio | 65.3046% | 2,544 |
| Assets per employee ($millions) | 4.5118% | 3,839 |
| Cash dividends to net income (ytd only)* | 81.6704% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,673 |
| Loan loss allowance to noncurrent loans | 124.0331% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 2,098 |
| Noncurrent loans to loans | 0.9664% | 1,554 |
| Net loans and leases to total assets | 54.6840% | 3,736 |
| Net loans and leases to deposits | 66.4670% | 3,577 |
| Net loans and leases to core deposits | 68.6697% | 3,723 |
| Total domestic deposits to total assets | 82.2724% | 3,351 |
| Equity capital to assets | 11.1027% | 2,321 |
| Core capital (leverage) ratio | 9.9952% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,382,750 | 3,676 |
| Average earning assets | $116,664,750 | 3,655 |
| Average equity | $14,166,500 | 3,739 |
| Average total loans | $70,488,500 | 3,741 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,744 |
| Cost of funding earning assets | 0.4799% | 3,658 |
| Net interest margin | 4.0837% | 1,154 |
| Noninterest income to average assets | 0.6833% | 1,796 |
| Noninterest expense to average assets | 2.9363% | 1,751 |
| Loan and lease loss provision to assets | 0.2310% | 1,820 |
| Net operating income to assets | 1.2928% | 1,374 |
| Return on assets (ROA) | 1.4157% | 1,172 |
| Pretax return on assets | 1.4173% | 1,688 |
| Return on Equity (ROE) | 12.4502% | 1,231 |
| Retained earnings to average equity (ytd only) | 1.2248% | 4,033 |
| Net charge-offs to loans | 0.0203% | 2,318 |
| Credit loss provision to net charge-offs | 2,014.2857% | 474 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 577 |
| Efficiency ratio | 65.8098% | 2,550 |
| Assets per employee ($millions) | 4.0986% | 4,206 |
| Cash dividends to net income (ytd only)* | 90.1620% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 2,194 |
| Loan loss allowance to noncurrent loans | 120.3528% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 2,074 |
| Noncurrent loans to loans | 1.0480% | 1,490 |
| Net loans and leases to total assets | 54.6518% | 3,822 |
| Net loans and leases to deposits | 67.1064% | 3,636 |
| Net loans and leases to core deposits | 70.0491% | 3,700 |
| Total domestic deposits to total assets | 81.4406% | 3,515 |
| Equity capital to assets | 11.6672% | 1,856 |
| Core capital (leverage) ratio | 10.4916% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,059,000 | 3,699 |
| Average earning assets | $112,938,000 | 3,691 |
| Average equity | $13,879,333 | 3,785 |
| Average total loans | $69,013,000 | 3,772 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4003% | 2,618 |
| Cost of funding earning assets | 0.5464% | 3,712 |
| Net interest margin | 3.8538% | 1,811 |
| Noninterest income to average assets | 0.6792% | 1,733 |
| Noninterest expense to average assets | 2.8304% | 2,340 |
| Loan and lease loss provision to assets | 0.0569% | 3,052 |
| Net operating income to assets | 1.3750% | 1,047 |
| Return on assets (ROA) | 1.6260% | 650 |
| Pretax return on assets | 1.6293% | 992 |
| Return on Equity (ROE) | 14.4999% | 610 |
| Retained earnings to average equity (ytd only) | 7.1604% | 1,489 |
| Net charge-offs to loans | 0.0585% | 1,427 |
| Credit loss provision to net charge-offs | 170.0000% | 1,510 |
| Earnings coverage of net charge-offs (x) | 42.9000% | 995 |
| Efficiency ratio | 66.3529% | 2,902 |
| Assets per employee ($millions) | 4.1356% | 3,741 |
| Cash dividends to net income (ytd only)* | 50.6173% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 3,142 |
| Loan loss allowance to noncurrent loans | 82.9880% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8621% | 1,547 |
| Noncurrent loans to loans | 1.3389% | 1,210 |
| Net loans and leases to total assets | 56.4724% | 3,799 |
| Net loans and leases to deposits | 70.0208% | 3,590 |
| Net loans and leases to core deposits | 74.6605% | 3,593 |
| Total domestic deposits to total assets | 80.6509% | 3,732 |
| Equity capital to assets | 10.9570% | 2,898 |
| Core capital (leverage) ratio | 11.2282% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,560,000 | 3,708 |
| Average earning assets | $111,266,000 | 3,700 |
| Average equity | $13,407,000 | 3,842 |
| Average total loans | $68,356,500 | 3,795 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 3,079 |
| Cost of funding earning assets | 0.6832% | 3,242 |
| Net interest margin | 3.7793% | 2,573 |
| Noninterest income to average assets | 0.6301% | 2,093 |
| Noninterest expense to average assets | 2.9827% | 2,061 |
| Loan and lease loss provision to assets | 0.0487% | 3,052 |
| Net operating income to assets | 1.1058% | 2,418 |
| Return on assets (ROA) | 1.1041% | 2,524 |
| Pretax return on assets | 1.1058% | 3,143 |
| Return on Equity (ROE) | 10.1183% | 2,246 |
| Retained earnings to average equity (ytd only) | 4.0980% | 2,924 |
| Net charge-offs to loans | 0.0435% | 2,520 |
| Credit loss provision to net charge-offs | 200.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 47.5172% | 1,166 |
| Efficiency ratio | 72.0657% | 1,857 |
| Assets per employee ($millions) | 3.9729% | 3,932 |
| Cash dividends to net income (ytd only)* | 59.4985% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 2,928 |
| Loan loss allowance to noncurrent loans | 126.7677% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.9120% | 1,395 |
| Noncurrent loans to loans | 0.8707% | 1,763 |
| Net loans and leases to total assets | 56.6085% | 3,878 |
| Net loans and leases to deposits | 67.5727% | 3,858 |
| Net loans and leases to core deposits | 72.6163% | 3,821 |
| Total domestic deposits to total assets | 83.7742% | 2,922 |
| Equity capital to assets | 11.4719% | 2,552 |
| Core capital (leverage) ratio | 10.7198% | 2,748 |
| Tier 1 risk-based capital ratio | 17.8869% | 1,789 |
| Total risk-based capital ratio | 18.9764% | 1,786 |
| Memoranda: | ||
| Average total assets | $119,188,600 | 3,716 |
| Average earning assets | $110,656,600 | 3,700 |
| Average equity | $13,006,200 | 3,886 |
| Average total loans | $66,606,000 | 3,843 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 3,259 |
| Cost of funding earning assets | 0.6835% | 3,288 |
| Net interest margin | 3.7492% | 2,755 |
| Noninterest income to average assets | 0.5895% | 2,265 |
| Noninterest expense to average assets | 2.9051% | 2,251 |
| Loan and lease loss provision to assets | 0.0526% | 2,856 |
| Net operating income to assets | 1.1097% | 2,538 |
| Return on assets (ROA) | 1.1075% | 2,631 |
| Pretax return on assets | 1.1086% | 3,271 |
| Return on Equity (ROE) | 10.2805% | 2,316 |
| Retained earnings to average equity (ytd only) | 2.1495% | 4,222 |
| Net charge-offs to loans | -0.0161% | 4,527 |
| Credit loss provision to net charge-offs | -587.5000% | 4,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4050% | 1,910 |
| Assets per employee ($millions) | 4.3280% | 3,443 |
| Cash dividends to net income (ytd only)* | 79.0904% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 2,690 |
| Loan loss allowance to noncurrent loans | 111.9082% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.1553% | 1,117 |
| Noncurrent loans to loans | 1.0410% | 1,539 |
| Net loans and leases to total assets | 54.6062% | 4,124 |
| Net loans and leases to deposits | 64.9070% | 4,130 |
| Net loans and leases to core deposits | 72.2976% | 3,928 |
| Total domestic deposits to total assets | 84.1299% | 2,777 |
| Equity capital to assets | 11.0510% | 3,059 |
| Core capital (leverage) ratio | 10.4003% | 3,201 |
| Tier 1 risk-based capital ratio | 17.5275% | 1,938 |
| Total risk-based capital ratio | 18.6398% | 1,936 |
| Memoranda: | ||
| Average total assets | $119,189,000 | 3,756 |
| Average earning assets | $110,597,250 | 3,741 |
| Average equity | $12,839,500 | 3,937 |
| Average total loans | $66,201,750 | 3,893 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 3,344 |
| Cost of funding earning assets | 0.6858% | 3,243 |
| Net interest margin | 3.7099% | 2,904 |
| Noninterest income to average assets | 0.5754% | 2,265 |
| Noninterest expense to average assets | 2.8737% | 2,346 |
| Loan and lease loss provision to assets | 0.0574% | 2,676 |
| Net operating income to assets | 1.0749% | 2,629 |
| Return on assets (ROA) | 1.0715% | 2,707 |
| Pretax return on assets | 1.0732% | 3,313 |
| Return on Equity (ROE) | 10.0353% | 2,365 |
| Retained earnings to average equity (ytd only) | 4.1564% | 3,167 |
| Net charge-offs to loans | -0.0303% | 4,685 |
| Credit loss provision to net charge-offs | -340.0000% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7053% | 1,964 |
| Assets per employee ($millions) | 4.0853% | 3,760 |
| Cash dividends to net income (ytd only)* | 58.5827% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 2,796 |
| Loan loss allowance to noncurrent loans | 125.0407% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.1125% | 1,217 |
| Noncurrent loans to loans | 0.9189% | 1,785 |
| Net loans and leases to total assets | 55.8426% | 4,084 |
| Net loans and leases to deposits | 68.5074% | 3,937 |
| Net loans and leases to core deposits | 77.2326% | 3,631 |
| Total domestic deposits to total assets | 81.5132% | 3,662 |
| Equity capital to assets | 11.2953% | 2,786 |
| Core capital (leverage) ratio | 10.8531% | 2,738 |
| Tier 1 risk-based capital ratio | 16.9980% | 2,092 |
| Total risk-based capital ratio | 18.0568% | 2,082 |
| Memoranda: | ||
| Average total assets | $118,524,000 | 3,788 |
| Average earning assets | $109,652,330 | 3,780 |
| Average equity | $12,655,330 | 3,967 |
| Average total loans | $65,951,000 | 3,925 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 3,530 |
| Cost of funding earning assets | 0.6436% | 3,344 |
| Net interest margin | 3.6653% | 3,025 |
| Noninterest income to average assets | 0.5466% | 2,305 |
| Noninterest expense to average assets | 2.7803% | 2,636 |
| Loan and lease loss provision to assets | 0.0574% | 2,515 |
| Net operating income to assets | 1.1101% | 2,434 |
| Return on assets (ROA) | 1.1033% | 2,498 |
| Pretax return on assets | 1.1033% | 3,138 |
| Return on Equity (ROE) | 10.6411% | 2,102 |
| Retained earnings to average equity (ytd only) | 5.2066% | 2,814 |
| Net charge-offs to loans | -0.0122% | 4,303 |
| Credit loss provision to net charge-offs | -850.0000% | 3,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4274% | 2,274 |
| Assets per employee ($millions) | 4.0214% | 3,888 |
| Cash dividends to net income (ytd only)* | 51.0703% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 2,982 |
| Loan loss allowance to noncurrent loans | 91.7488% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 1,448 |
| Noncurrent loans to loans | 1.2281% | 1,340 |
| Net loans and leases to total assets | 56.0537% | 4,057 |
| Net loans and leases to deposits | 67.1298% | 3,971 |
| Net loans and leases to core deposits | 76.1687% | 3,651 |
| Total domestic deposits to total assets | 83.5005% | 3,218 |
| Equity capital to assets | 10.7758% | 3,069 |
| Core capital (leverage) ratio | 10.7431% | 2,808 |
| Tier 1 risk-based capital ratio | 16.9082% | 2,133 |
| Total risk-based capital ratio | 17.9378% | 2,159 |
| Memoranda: | ||
| Average total assets | $118,549,000 | 3,830 |
| Average earning assets | $110,005,000 | 3,814 |
| Average equity | $12,292,000 | 4,025 |
| Average total loans | $65,462,500 | 3,976 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 2,980 |
| Cost of funding earning assets | 0.5086% | 3,298 |
| Net interest margin | 3.8266% | 2,572 |
| Noninterest income to average assets | 0.6057% | 2,261 |
| Noninterest expense to average assets | 3.0594% | 1,895 |
| Loan and lease loss provision to assets | 0.0730% | 2,673 |
| Net operating income to assets | 0.9880% | 3,064 |
| Return on assets (ROA) | 0.9614% | 3,174 |
| Pretax return on assets | 0.9631% | 3,723 |
| Return on Equity (ROE) | 9.6237% | 2,677 |
| Retained earnings to average equity (ytd only) | 3.1993% | 3,800 |
| Net charge-offs to loans | 0.1182% | 1,559 |
| Credit loss provision to net charge-offs | 108.9744% | 2,355 |
| Earnings coverage of net charge-offs (x) | 15.8590% | 2,296 |
| Efficiency ratio | 74.2184% | 1,599 |
| Assets per employee ($millions) | 4.1543% | 3,682 |
| Cash dividends to net income (ytd only)* | 66.7560% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 2,987 |
| Loan loss allowance to noncurrent loans | 62.8794% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.2210% | 1,066 |
| Noncurrent loans to loans | 1.7791% | 800 |
| Net loans and leases to total assets | 53.1923% | 4,340 |
| Net loans and leases to deposits | 62.2066% | 4,363 |
| Net loans and leases to core deposits | 71.2290% | 4,047 |
| Total domestic deposits to total assets | 85.5091% | 2,434 |
| Equity capital to assets | 9.9746% | 3,703 |
| Core capital (leverage) ratio | 10.4906% | 3,036 |
| Tier 1 risk-based capital ratio | 16.7618% | 2,150 |
| Total risk-based capital ratio | 17.7687% | 2,176 |
| Memoranda: | ||
| Average total assets | $116,395,200 | 3,845 |
| Average earning assets | $106,961,400 | 3,858 |
| Average equity | $11,627,600 | 4,074 |
| Average total loans | $66,003,600 | 3,966 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 2,995 |
| Cost of funding earning assets | 0.4745% | 3,363 |
| Net interest margin | 3.8173% | 2,582 |
| Noninterest income to average assets | 0.5813% | 2,409 |
| Noninterest expense to average assets | 3.0404% | 1,895 |
| Loan and lease loss provision to assets | 0.0543% | 2,882 |
| Net operating income to assets | 0.9904% | 3,125 |
| Return on assets (ROA) | 0.9545% | 3,303 |
| Pretax return on assets | 0.9557% | 3,863 |
| Return on Equity (ROE) | 9.5515% | 2,819 |
| Retained earnings to average equity (ytd only) | 3.0181% | 4,230 |
| Net charge-offs to loans | -0.1066% | 5,180 |
| Credit loss provision to net charge-offs | -88.6792% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4061% | 1,530 |
| Assets per employee ($millions) | 3.7732% | 4,212 |
| Cash dividends to net income (ytd only)* | 68.4013% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 2,435 |
| Loan loss allowance to noncurrent loans | 75.0919% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.1645% | 1,217 |
| Noncurrent loans to loans | 1.6425% | 957 |
| Net loans and leases to total assets | 54.1854% | 4,355 |
| Net loans and leases to deposits | 63.1860% | 4,376 |
| Net loans and leases to core deposits | 72.4294% | 4,051 |
| Total domestic deposits to total assets | 85.7555% | 2,299 |
| Equity capital to assets | 9.5502% | 4,031 |
| Core capital (leverage) ratio | 10.4603% | 3,123 |
| Tier 1 risk-based capital ratio | 16.6085% | 2,242 |
| Total risk-based capital ratio | 17.7386% | 2,215 |
| Memoranda: | ||
| Average total assets | $115,375,000 | 3,903 |
| Average earning assets | $105,935,500 | 3,915 |
| Average equity | $11,530,250 | 4,125 |
| Average total loans | $66,302,250 | 3,988 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 3,175 |
| Cost of funding earning assets | 0.4348% | 3,467 |
| Net interest margin | 3.7438% | 2,774 |
| Noninterest income to average assets | 0.4191% | 3,359 |
| Noninterest expense to average assets | 3.0778% | 1,841 |
| Loan and lease loss provision to assets | 0.0599% | 2,706 |
| Net operating income to assets | 0.7061% | 4,178 |
| Return on assets (ROA) | 0.6515% | 4,351 |
| Pretax return on assets | 0.6532% | 4,632 |
| Return on Equity (ROE) | 6.4180% | 4,090 |
| Retained earnings to average equity (ytd only) | -3.3825% | 5,232 |
| Net charge-offs to loans | -0.0875% | 5,122 |
| Credit loss provision to net charge-offs | -117.2414% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0366% | 1,016 |
| Assets per employee ($millions) | 3.4322% | 4,686 |
| Cash dividends to net income (ytd only)* | 152.7027% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 2,845 |
| Loan loss allowance to noncurrent loans | 45.8775% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 1.7817% | 660 |
| Noncurrent loans to loans | 2.5671% | 499 |
| Net loans and leases to total assets | 57.7118% | 4,020 |
| Net loans and leases to deposits | 67.8828% | 4,025 |
| Net loans and leases to core deposits | 78.3828% | 3,543 |
| Total domestic deposits to total assets | 85.0169% | 2,665 |
| Equity capital to assets | 9.9381% | 3,685 |
| Core capital (leverage) ratio | 10.6521% | 2,867 |
| Tier 1 risk-based capital ratio | 16.3727% | 2,302 |
| Total risk-based capital ratio | 17.4992% | 2,289 |
| Memoranda: | ||
| Average total assets | $113,586,330 | 3,956 |
| Average earning assets | $103,959,330 | 3,987 |
| Average equity | $11,530,000 | 4,152 |
| Average total loans | $66,322,670 | 4,012 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 3,308 |
| Cost of funding earning assets | 0.4172% | 3,468 |
| Net interest margin | 3.6617% | 2,950 |
| Noninterest income to average assets | 0.1266% | 5,229 |
| Noninterest expense to average assets | 3.1473% | 1,697 |
| Loan and lease loss provision to assets | 0.0598% | 2,575 |
| Net operating income to assets | 0.2497% | 5,180 |
| Return on assets (ROA) | 0.2497% | 5,182 |
| Pretax return on assets | 0.2532% | 5,213 |
| Return on Equity (ROE) | 2.4342% | 5,118 |
| Retained earnings to average equity (ytd only) | -3.5999% | 5,119 |
| Net charge-offs to loans | 0.0120% | 2,318 |
| Credit loss provision to net charge-offs | 850.0000% | 391 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 1,001 |
| Efficiency ratio | 90.9553% | 403 |
| Assets per employee ($millions) | 3.5229% | 4,643 |
| Cash dividends to net income (ytd only)* | 247.8873% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 3,371 |
| Loan loss allowance to noncurrent loans | 55.7502% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.5027% | 922 |
| Noncurrent loans to loans | 1.9748% | 821 |
| Net loans and leases to total assets | 58.3295% | 3,912 |
| Net loans and leases to deposits | 69.9130% | 3,790 |
| Net loans and leases to core deposits | 75.7052% | 3,695 |
| Total domestic deposits to total assets | 83.4315% | 3,528 |
| Equity capital to assets | 10.1089% | 3,489 |
| Core capital (leverage) ratio | 10.7750% | 2,654 |
| Tier 1 risk-based capital ratio | 16.4699% | 2,282 |
| Total risk-based capital ratio | 17.5327% | 2,312 |
| Memoranda: | ||
| Average total assets | $113,749,000 | 3,999 |
| Average earning assets | $103,558,000 | 4,040 |
| Average equity | $11,667,000 | 4,168 |
| Average total loans | $66,412,000 | 4,047 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2341% | 2,568 |
| Cost of funding earning assets | 0.3527% | 3,689 |
| Net interest margin | 3.8815% | 2,146 |
| Noninterest income to average assets | 0.8370% | 1,444 |
| Noninterest expense to average assets | 3.1352% | 1,761 |
| Loan and lease loss provision to assets | 0.0826% | 2,551 |
| Net operating income to assets | 1.1361% | 1,725 |
| Return on assets (ROA) | 1.1361% | 1,761 |
| Pretax return on assets | 1.1379% | 3,028 |
| Return on Equity (ROE) | 10.6571% | 1,610 |
| Retained earnings to average equity (ytd only) | 4.0607% | 2,744 |
| Net charge-offs to loans | 0.1407% | 1,663 |
| Credit loss provision to net charge-offs | 98.9247% | 2,627 |
| Earnings coverage of net charge-offs (x) | 14.6129% | 2,317 |
| Efficiency ratio | 71.9794% | 2,230 |
| Assets per employee ($millions) | 3.4778% | 4,730 |
| Cash dividends to net income (ytd only)* | 61.8972% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 3,453 |
| Loan loss allowance to noncurrent loans | 79.2913% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 1,226 |
| Noncurrent loans to loans | 1.3613% | 1,279 |
| Net loans and leases to total assets | 57.1772% | 4,089 |
| Net loans and leases to deposits | 68.8837% | 3,955 |
| Net loans and leases to core deposits | 74.7508% | 3,825 |
| Total domestic deposits to total assets | 83.0054% | 3,562 |
| Equity capital to assets | 10.4020% | 3,267 |
| Core capital (leverage) ratio | 10.8357% | 2,487 |
| Tier 1 risk-based capital ratio | 16.6255% | 2,222 |
| Total risk-based capital ratio | 17.6659% | 2,226 |
| Memoranda: | ||
| Average total assets | $111,347,800 | 4,033 |
| Average earning assets | $100,941,400 | 4,082 |
| Average equity | $11,870,000 | 4,161 |
| Average total loans | $66,095,200 | 4,052 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 2,416 |
| Cost of funding earning assets | 0.3492% | 3,677 |
| Net interest margin | 3.9047% | 2,024 |
| Noninterest income to average assets | 0.8748% | 1,355 |
| Noninterest expense to average assets | 3.1229% | 1,745 |
| Loan and lease loss provision to assets | 0.0881% | 2,321 |
| Net operating income to assets | 1.1982% | 1,700 |
| Return on assets (ROA) | 1.1982% | 1,733 |
| Pretax return on assets | 1.1994% | 2,911 |
| Return on Equity (ROE) | 11.1699% | 1,620 |
| Retained earnings to average equity (ytd only) | 5.0169% | 2,876 |
| Net charge-offs to loans | 0.0242% | 2,962 |
| Credit loss provision to net charge-offs | 608.3333% | 539 |
| Earnings coverage of net charge-offs (x) | 88.9144% | 750 |
| Efficiency ratio | 70.8071% | 2,398 |
| Assets per employee ($millions) | 3.4710% | 4,769 |
| Cash dividends to net income (ytd only)* | 55.0858% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 3,130 |
| Loan loss allowance to noncurrent loans | 73.1891% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.2397% | 1,312 |
| Noncurrent loans to loans | 1.5878% | 1,163 |
| Net loans and leases to total assets | 57.7678% | 4,087 |
| Net loans and leases to deposits | 70.1299% | 3,950 |
| Net loans and leases to core deposits | 74.4476% | 3,935 |
| Total domestic deposits to total assets | 82.3726% | 3,662 |
| Equity capital to assets | 10.6510% | 3,213 |
| Core capital (leverage) ratio | 10.7595% | 2,689 |
| Tier 1 risk-based capital ratio | 16.5466% | 2,309 |
| Total risk-based capital ratio | 17.6700% | 2,299 |
| Memoranda: | ||
| Average total assets | $110,493,250 | 4,099 |
| Average earning assets | $100,047,750 | 4,136 |
| Average equity | $11,853,000 | 4,204 |
| Average total loans | $66,035,000 | 4,083 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 2,247 |
| Cost of funding earning assets | 0.3361% | 3,735 |
| Net interest margin | 3.9258% | 1,849 |
| Noninterest income to average assets | 0.8814% | 1,326 |
| Noninterest expense to average assets | 3.1775% | 1,631 |
| Loan and lease loss provision to assets | 0.0990% | 2,033 |
| Net operating income to assets | 1.1563% | 1,761 |
| Return on assets (ROA) | 1.1563% | 1,802 |
| Pretax return on assets | 1.1581% | 2,944 |
| Return on Equity (ROE) | 10.7520% | 1,733 |
| Retained earnings to average equity (ytd only) | 4.3622% | 3,106 |
| Net charge-offs to loans | -0.0030% | 4,236 |
| Credit loss provision to net charge-offs | -5,400.0000% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6529% | 2,403 |
| Assets per employee ($millions) | 3.2054% | 5,088 |
| Cash dividends to net income (ytd only)* | 59.4295% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 3,266 |
| Loan loss allowance to noncurrent loans | 150.7813% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 2,353 |
| Noncurrent loans to loans | 0.7677% | 2,479 |
| Net loans and leases to total assets | 60.4869% | 3,797 |
| Net loans and leases to deposits | 74.1786% | 3,528 |
| Net loans and leases to core deposits | 78.0980% | 3,585 |
| Total domestic deposits to total assets | 81.5422% | 4,032 |
| Equity capital to assets | 11.0851% | 2,716 |
| Core capital (leverage) ratio | 10.9798% | 2,432 |
| Tier 1 risk-based capital ratio | 15.9251% | 2,532 |
| Total risk-based capital ratio | 17.0127% | 2,533 |
| Memoranda: | ||
| Average total assets | $109,143,330 | 4,140 |
| Average earning assets | $98,782,000 | 4,187 |
| Average equity | $11,737,330 | 4,232 |
| Average total loans | $65,731,000 | 4,110 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 2,284 |
| Cost of funding earning assets | 0.3124% | 3,922 |
| Net interest margin | 3.8862% | 1,830 |
| Noninterest income to average assets | 0.8460% | 1,413 |
| Noninterest expense to average assets | 3.0836% | 1,910 |
| Loan and lease loss provision to assets | 0.0989% | 1,912 |
| Net operating income to assets | 1.1683% | 1,599 |
| Return on assets (ROA) | 1.1683% | 1,641 |
| Pretax return on assets | 1.1719% | 2,702 |
| Return on Equity (ROE) | 11.0328% | 1,552 |
| Retained earnings to average equity (ytd only) | 4.5999% | 3,123 |
| Net charge-offs to loans | 0.0245% | 2,270 |
| Credit loss provision to net charge-offs | 675.0000% | 470 |
| Earnings coverage of net charge-offs (x) | 86.7500% | 619 |
| Efficiency ratio | 70.8158% | 2,777 |
| Assets per employee ($millions) | 3.3928% | 4,938 |
| Cash dividends to net income (ytd only)* | 58.3072% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 3,571 |
| Loan loss allowance to noncurrent loans | 133.5740% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 2,331 |
| Noncurrent loans to loans | 0.8400% | 2,356 |
| Net loans and leases to total assets | 60.0659% | 3,781 |
| Net loans and leases to deposits | 73.0653% | 3,503 |
| Net loans and leases to core deposits | 76.0572% | 3,646 |
| Total domestic deposits to total assets | 82.2085% | 4,105 |
| Equity capital to assets | 10.7591% | 2,900 |
| Core capital (leverage) ratio | 11.0064% | 2,355 |
| Tier 1 risk-based capital ratio | 15.7592% | 2,639 |
| Total risk-based capital ratio | 16.8040% | 2,662 |
| Memoranda: | ||
| Average total assets | $109,223,000 | 4,185 |
| Average earning assets | $98,606,500 | 4,219 |
| Average equity | $11,565,500 | 4,292 |
| Average total loans | $65,250,000 | 4,150 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 2,072 |
| Cost of funding earning assets | 0.3103% | 3,956 |
| Net interest margin | 4.0119% | 1,601 |
| Noninterest income to average assets | 0.7813% | 1,825 |
| Noninterest expense to average assets | 3.2264% | 1,732 |
| Loan and lease loss provision to assets | 0.1203% | 2,057 |
| Net operating income to assets | 1.0815% | 1,977 |
| Return on assets (ROA) | 1.0928% | 2,027 |
| Pretax return on assets | 1.0947% | 3,125 |
| Return on Equity (ROE) | 9.7749% | 2,070 |
| Retained earnings to average equity (ytd only) | 3.7778% | 3,230 |
| Net charge-offs to loans | 0.2057% | 1,354 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 10.0079% | 2,693 |
| Efficiency ratio | 72.8303% | 2,450 |
| Assets per employee ($millions) | 3.3296% | 5,002 |
| Cash dividends to net income (ytd only)* | 61.3518% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 3,650 |
| Loan loss allowance to noncurrent loans | 133.2714% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 2,929 |
| Noncurrent loans to loans | 0.8335% | 2,437 |
| Net loans and leases to total assets | 58.0922% | 4,058 |
| Net loans and leases to deposits | 70.2525% | 3,879 |
| Net loans and leases to core deposits | 73.5809% | 3,956 |
| Total domestic deposits to total assets | 82.6906% | 3,865 |
| Equity capital to assets | 10.4207% | 3,246 |
| Core capital (leverage) ratio | 10.7770% | 2,556 |
| Tier 1 risk-based capital ratio | 15.9759% | 2,555 |
| Total risk-based capital ratio | 17.0169% | 2,570 |
| Memoranda: | ||
| Average total assets | $105,598,000 | 4,247 |
| Average earning assets | $96,039,200 | 4,272 |
| Average equity | $11,805,800 | 4,276 |
| Average total loans | $61,729,600 | 4,237 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 2,102 |
| Cost of funding earning assets | 0.3120% | 3,953 |
| Net interest margin | 4.0086% | 1,624 |
| Noninterest income to average assets | 0.7743% | 1,870 |
| Noninterest expense to average assets | 3.2922% | 1,584 |
| Loan and lease loss provision to assets | 0.0676% | 2,864 |
| Net operating income to assets | 1.0664% | 2,137 |
| Return on assets (ROA) | 1.0817% | 2,182 |
| Pretax return on assets | 1.0842% | 3,299 |
| Return on Equity (ROE) | 9.5054% | 2,269 |
| Retained earnings to average equity (ytd only) | 4.1810% | 3,345 |
| Net charge-offs to loans | 0.1529% | 1,473 |
| Credit loss provision to net charge-offs | 75.7143% | 2,716 |
| Earnings coverage of net charge-offs (x) | 12.7287% | 2,363 |
| Efficiency ratio | 74.3376% | 2,217 |
| Assets per employee ($millions) | 3.3071% | 5,040 |
| Cash dividends to net income (ytd only)* | 56.0143% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,577 |
| Loan loss allowance to noncurrent loans | 152.9536% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.6588% | 2,930 |
| Noncurrent loans to loans | 0.7481% | 2,801 |
| Net loans and leases to total assets | 57.3969% | 4,152 |
| Net loans and leases to deposits | 70.0754% | 3,980 |
| Net loans and leases to core deposits | 73.5381% | 4,037 |
| Total domestic deposits to total assets | 81.9074% | 3,959 |
| Equity capital to assets | 11.0947% | 2,920 |
| Core capital (leverage) ratio | 10.7201% | 2,763 |
| Tier 1 risk-based capital ratio | 15.6164% | 2,782 |
| Total risk-based capital ratio | 16.6617% | 2,799 |
| Memoranda: | ||
| Average total assets | $104,528,250 | 4,310 |
| Average earning assets | $95,292,750 | 4,318 |
| Average equity | $11,894,750 | 4,302 |
| Average total loans | $61,025,250 | 4,292 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2775% | 2,224 |
| Cost of funding earning assets | 0.3036% | 4,082 |
| Net interest margin | 3.9740% | 1,728 |
| Noninterest income to average assets | 0.8059% | 1,689 |
| Noninterest expense to average assets | 3.3381% | 1,510 |
| Loan and lease loss provision to assets | 0.0699% | 2,743 |
| Net operating income to assets | 1.0311% | 2,249 |
| Return on assets (ROA) | 1.0544% | 2,275 |
| Pretax return on assets | 1.0564% | 3,376 |
| Return on Equity (ROE) | 9.1850% | 2,412 |
| Retained earnings to average equity (ytd only) | 4.4318% | 3,094 |
| Net charge-offs to loans | 0.2921% | 815 |
| Credit loss provision to net charge-offs | 40.9091% | 2,757 |
| Earnings coverage of net charge-offs (x) | 6.4545% | 2,739 |
| Efficiency ratio | 75.1640% | 2,199 |
| Assets per employee ($millions) | 3.0133% | 5,419 |
| Cash dividends to net income (ytd only)* | 51.7495% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 4,087 |
| Loan loss allowance to noncurrent loans | 70.8200% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.1557% | 1,827 |
| Noncurrent loans to loans | 1.5168% | 1,441 |
| Net loans and leases to total assets | 59.7753% | 3,912 |
| Net loans and leases to deposits | 74.0520% | 3,586 |
| Net loans and leases to core deposits | 77.6815% | 3,666 |
| Total domestic deposits to total assets | 80.7207% | 4,355 |
| Equity capital to assets | 11.7850% | 2,282 |
| Core capital (leverage) ratio | 11.0757% | 2,355 |
| Tier 1 risk-based capital ratio | 15.7582% | 2,757 |
| Total risk-based capital ratio | 16.7754% | 2,791 |
| Memoranda: | ||
| Average total assets | $102,993,330 | 4,372 |
| Average earning assets | $94,213,000 | 4,380 |
| Average equity | $11,823,670 | 4,348 |
| Average total loans | $60,245,670 | 4,339 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2247% | 2,389 |
| Cost of funding earning assets | 0.3093% | 4,071 |
| Net interest margin | 3.9154% | 1,892 |
| Noninterest income to average assets | 0.7089% | 1,999 |
| Noninterest expense to average assets | 3.3196% | 1,554 |
| Loan and lease loss provision to assets | 0.0930% | 2,135 |
| Net operating income to assets | 0.8716% | 2,892 |
| Return on assets (ROA) | 0.8832% | 2,964 |
| Pretax return on assets | 0.8870% | 3,896 |
| Return on Equity (ROE) | 7.7959% | 3,034 |
| Retained earnings to average equity (ytd only) | 2.1883% | 4,383 |
| Net charge-offs to loans | 0.6463% | 336 |
| Credit loss provision to net charge-offs | 25.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | 2.6042% | 2,659 |
| Efficiency ratio | 77.4164% | 1,978 |
| Assets per employee ($millions) | 2.9210% | 5,586 |
| Cash dividends to net income (ytd only)* | 71.9298% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 4,104 |
| Loan loss allowance to noncurrent loans | 129.0000% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7551% | 2,815 |
| Noncurrent loans to loans | 0.8454% | 2,732 |
| Net loans and leases to total assets | 57.2197% | 4,125 |
| Net loans and leases to deposits | 69.1662% | 3,937 |
| Net loans and leases to core deposits | 72.4739% | 4,031 |
| Total domestic deposits to total assets | 82.7279% | 3,996 |
| Equity capital to assets | 11.5470% | 2,399 |
| Core capital (leverage) ratio | 10.9042% | 2,500 |
| Tier 1 risk-based capital ratio | 15.2612% | 3,037 |
| Total risk-based capital ratio | 16.2365% | 3,101 |
| Memoranda: | ||
| Average total assets | $103,264,000 | 4,402 |
| Average earning assets | $94,397,000 | 4,409 |
| Average equity | $11,698,500 | 4,384 |
| Average total loans | $59,415,500 | 4,391 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 2,253 |
| Cost of funding earning assets | 0.3234% | 3,987 |
| Net interest margin | 3.9659% | 1,825 |
| Noninterest income to average assets | 0.8617% | 1,565 |
| Noninterest expense to average assets | 3.3569% | 1,586 |
| Loan and lease loss provision to assets | 0.0862% | 2,572 |
| Net operating income to assets | 0.9706% | 2,520 |
| Return on assets (ROA) | 1.0057% | 2,425 |
| Pretax return on assets | 1.0075% | 3,441 |
| Return on Equity (ROE) | 8.4667% | 2,726 |
| Retained earnings to average equity (ytd only) | -10.9063% | 6,049 |
| Net charge-offs to loans | 0.0192% | 3,887 |
| Credit loss provision to net charge-offs | 827.2727% | 413 |
| Earnings coverage of net charge-offs (x) | 101.6364% | 567 |
| Efficiency ratio | 76.0240% | 2,265 |
| Assets per employee ($millions) | 3.3643% | 5,043 |
| Cash dividends to net income (ytd only)* | 228.8136% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 3,473 |
| Loan loss allowance to noncurrent loans | 142.5447% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 2,766 |
| Noncurrent loans to loans | 0.8427% | 2,680 |
| Net loans and leases to total assets | 56.5430% | 4,248 |
| Net loans and leases to deposits | 66.3834% | 4,286 |
| Net loans and leases to core deposits | 68.6755% | 4,400 |
| Total domestic deposits to total assets | 85.1765% | 3,011 |
| Equity capital to assets | 11.1147% | 2,716 |
| Core capital (leverage) ratio | 10.5717% | 2,858 |
| Tier 1 risk-based capital ratio | 14.9655% | 3,193 |
| Total risk-based capital ratio | 16.0237% | 3,224 |
| Memoranda: | ||
| Average total assets | $105,603,200 | 4,343 |
| Average earning assets | $94,631,200 | 4,421 |
| Average equity | $12,543,200 | 4,214 |
| Average total loans | $57,362,000 | 4,449 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 2,315 |
| Cost of funding earning assets | 0.3391% | 3,869 |
| Net interest margin | 3.9361% | 1,914 |
| Noninterest income to average assets | 0.8571% | 1,595 |
| Noninterest expense to average assets | 3.3304% | 1,624 |
| Loan and lease loss provision to assets | 0.0994% | 2,189 |
| Net operating income to assets | 0.9314% | 2,799 |
| Return on assets (ROA) | 0.9717% | 2,696 |
| Pretax return on assets | 0.9742% | 3,717 |
| Return on Equity (ROE) | 8.0534% | 3,048 |
| Retained earnings to average equity (ytd only) | -15.9399% | 6,182 |
| Net charge-offs to loans | 0.0141% | 3,682 |
| Credit loss provision to net charge-offs | 1,316.6667% | 281 |
| Earnings coverage of net charge-offs (x) | 136.8300% | 499 |
| Efficiency ratio | 76.3196% | 2,194 |
| Assets per employee ($millions) | 3.4242% | 4,936 |
| Cash dividends to net income (ytd only)* | 297.9268% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 3,586 |
| Loan loss allowance to noncurrent loans | 133.9623% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9666% | 2,434 |
| Noncurrent loans to loans | 0.9036% | 2,715 |
| Net loans and leases to total assets | 54.5878% | 4,499 |
| Net loans and leases to deposits | 63.6038% | 4,590 |
| Net loans and leases to core deposits | 65.7442% | 4,710 |
| Total domestic deposits to total assets | 85.8248% | 2,624 |
| Equity capital to assets | 10.8026% | 3,236 |
| Core capital (leverage) ratio | 10.1433% | 3,447 |
| Tier 1 risk-based capital ratio | 14.6453% | 3,472 |
| Total risk-based capital ratio | 15.6865% | 3,521 |
| Memoranda: | ||
| Average total assets | $105,930,500 | 4,383 |
| Average earning assets | $94,372,250 | 4,477 |
| Average equity | $12,781,000 | 4,224 |
| Average total loans | $56,780,500 | 4,511 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,195 |
| Cost of funding earning assets | 0.3622% | 3,669 |
| Net interest margin | 3.9288% | 1,886 |
| Noninterest income to average assets | 0.8408% | 1,631 |
| Noninterest expense to average assets | 3.3536% | 1,568 |
| Loan and lease loss provision to assets | 0.0850% | 2,417 |
| Net operating income to assets | 0.8634% | 3,068 |
| Return on assets (ROA) | 0.9239% | 2,888 |
| Pretax return on assets | 0.9258% | 3,862 |
| Return on Equity (ROE) | 7.3984% | 3,373 |
| Retained earnings to average equity (ytd only) | 4.0396% | 3,443 |
| Net charge-offs to loans | 0.0214% | 3,241 |
| Credit loss provision to net charge-offs | 750.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 83.8333% | 680 |
| Efficiency ratio | 77.9192% | 2,086 |
| Assets per employee ($millions) | 3.3083% | 5,149 |
| Cash dividends to net income (ytd only)* | 45.3988% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 4,018 |
| Loan loss allowance to noncurrent loans | 91.8478% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1962% | 2,112 |
| Noncurrent loans to loans | 1.2642% | 2,131 |
| Net loans and leases to total assets | 52.7080% | 4,685 |
| Net loans and leases to deposits | 63.6478% | 4,565 |
| Net loans and leases to core deposits | 65.6109% | 4,686 |
| Total domestic deposits to total assets | 82.8120% | 4,025 |
| Equity capital to assets | 12.0495% | 1,983 |
| Core capital (leverage) ratio | 12.3620% | 1,453 |
| Tier 1 risk-based capital ratio | 16.9124% | 2,440 |
| Total risk-based capital ratio | 17.9016% | 2,490 |
| Memoranda: | ||
| Average total assets | $105,857,330 | 4,424 |
| Average earning assets | $93,310,000 | 4,528 |
| Average equity | $13,219,000 | 4,165 |
| Average total loans | $56,155,670 | 4,578 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 2,030 |
| Cost of funding earning assets | 0.4042% | 3,255 |
| Net interest margin | 3.9157% | 1,836 |
| Noninterest income to average assets | 0.8599% | 1,529 |
| Noninterest expense to average assets | 3.3974% | 1,492 |
| Loan and lease loss provision to assets | 0.1113% | 1,857 |
| Net operating income to assets | 0.8062% | 3,230 |
| Return on assets (ROA) | 0.8062% | 3,351 |
| Pretax return on assets | 0.8100% | 4,200 |
| Return on Equity (ROE) | 6.3391% | 3,860 |
| Retained earnings to average equity (ytd only) | 3.7733% | 3,743 |
| Net charge-offs to loans | -0.0363% | 5,358 |
| Credit loss provision to net charge-offs | -580.0000% | 4,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6667% | 2,092 |
| Assets per employee ($millions) | 2.7902% | 5,895 |
| Cash dividends to net income (ytd only)* | 40.4762% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 3,806 |
| Loan loss allowance to noncurrent loans | 151.8100% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.4336% | 1,844 |
| Noncurrent loans to loans | 0.8077% | 3,225 |
| Net loans and leases to total assets | 52.3558% | 4,628 |
| Net loans and leases to deposits | 63.5509% | 4,421 |
| Net loans and leases to core deposits | 65.5310% | 4,566 |
| Total domestic deposits to total assets | 82.3841% | 4,388 |
| Equity capital to assets | 12.9015% | 1,449 |
| Core capital (leverage) ratio | 12.2584% | 1,477 |
| Tier 1 risk-based capital ratio | 17.4296% | 2,323 |
| Total risk-based capital ratio | 18.4509% | 2,361 |
| Memoranda: | ||
| Average total assets | $104,198,500 | 4,495 |
| Average earning assets | $92,040,500 | 4,593 |
| Average equity | $13,251,000 | 4,191 |
| Average total loans | $55,123,500 | 4,638 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4050% | 2,205 |
| Cost of funding earning assets | 0.4529% | 3,139 |
| Net interest margin | 3.9521% | 2,041 |
| Noninterest income to average assets | 0.8766% | 1,581 |
| Noninterest expense to average assets | 3.8512% | 912 |
| Loan and lease loss provision to assets | -0.0794% | 6,105 |
| Net operating income to assets | 0.5920% | 4,408 |
| Return on assets (ROA) | 0.6141% | 4,406 |
| Pretax return on assets | 0.6180% | 4,883 |
| Return on Equity (ROE) | 4.9457% | 4,692 |
| Retained earnings to average equity (ytd only) | 3.1749% | 3,977 |
| Net charge-offs to loans | 0.3238% | 1,361 |
| Credit loss provision to net charge-offs | -46.5909% | 5,414 |
| Earnings coverage of net charge-offs (x) | 3.0284% | 4,001 |
| Efficiency ratio | 88.1792% | 979 |
| Assets per employee ($millions) | 2.8422% | 5,893 |
| Cash dividends to net income (ytd only)* | 35.8044% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 4,299 |
| Loan loss allowance to noncurrent loans | 92.1852% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 2.1900% | 1,115 |
| Noncurrent loans to loans | 1.2445% | 2,371 |
| Net loans and leases to total assets | 52.1952% | 4,767 |
| Net loans and leases to deposits | 63.5922% | 4,569 |
| Net loans and leases to core deposits | 65.5415% | 4,701 |
| Total domestic deposits to total assets | 82.0780% | 4,390 |
| Equity capital to assets | 12.5360% | 1,625 |
| Core capital (leverage) ratio | 11.9693% | 1,643 |
| Tier 1 risk-based capital ratio | 18.0049% | 2,136 |
| Total risk-based capital ratio | 19.0242% | 2,176 |
| Memoranda: | ||
| Average total assets | $103,240,800 | 4,522 |
| Average earning assets | $91,191,600 | 4,626 |
| Average equity | $12,819,200 | 4,226 |
| Average total loans | $54,359,000 | 4,678 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4308% | 2,117 |
| Cost of funding earning assets | 0.4682% | 3,066 |
| Net interest margin | 3.9627% | 1,987 |
| Noninterest income to average assets | 0.9731% | 1,304 |
| Noninterest expense to average assets | 3.9249% | 817 |
| Loan and lease loss provision to assets | -0.1103% | 6,291 |
| Net operating income to assets | 0.6591% | 4,163 |
| Return on assets (ROA) | 0.6643% | 4,233 |
| Pretax return on assets | 0.6669% | 4,815 |
| Return on Equity (ROE) | 5.3633% | 4,548 |
| Retained earnings to average equity (ytd only) | 3.8548% | 3,910 |
| Net charge-offs to loans | 0.1504% | 2,286 |
| Credit loss provision to net charge-offs | -139.3443% | 5,497 |
| Earnings coverage of net charge-offs (x) | 6.9673% | 2,993 |
| Efficiency ratio | 87.6812% | 1,028 |
| Assets per employee ($millions) | 2.7313% | 6,049 |
| Cash dividends to net income (ytd only)* | 28.1257% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 3,277 |
| Loan loss allowance to noncurrent loans | 58.0170% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 3.1969% | 706 |
| Noncurrent loans to loans | 2.3751% | 1,253 |
| Net loans and leases to total assets | 51.6495% | 4,840 |
| Net loans and leases to deposits | 62.0454% | 4,738 |
| Net loans and leases to core deposits | 62.8190% | 4,977 |
| Total domestic deposits to total assets | 83.2447% | 4,052 |
| Equity capital to assets | 12.6065% | 1,633 |
| Core capital (leverage) ratio | 12.0838% | 1,646 |
| Tier 1 risk-based capital ratio | 18.0378% | 2,201 |
| Total risk-based capital ratio | 19.1591% | 2,202 |
| Memoranda: | ||
| Average total assets | $102,760,750 | 4,577 |
| Average earning assets | $90,845,750 | 4,679 |
| Average equity | $12,728,250 | 4,269 |
| Average total loans | $54,067,250 | 4,726 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 1,946 |
| Cost of funding earning assets | 0.4888% | 2,935 |
| Net interest margin | 3.9768% | 1,881 |
| Noninterest income to average assets | 0.9920% | 1,224 |
| Noninterest expense to average assets | 3.7708% | 1,013 |
| Loan and lease loss provision to assets | 0.0976% | 2,402 |
| Net operating income to assets | 0.6171% | 4,261 |
| Return on assets (ROA) | 0.6210% | 4,340 |
| Pretax return on assets | 0.6229% | 4,884 |
| Return on Equity (ROE) | 5.0437% | 4,650 |
| Retained earnings to average equity (ytd only) | 3.6480% | 3,869 |
| Net charge-offs to loans | 0.1260% | 2,408 |
| Credit loss provision to net charge-offs | 147.0588% | 1,476 |
| Earnings coverage of net charge-offs (x) | 10.7941% | 2,213 |
| Efficiency ratio | 84.0296% | 1,509 |
| Assets per employee ($millions) | 2.6907% | 6,142 |
| Cash dividends to net income (ytd only)* | 27.6730% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 2,094 |
| Loan loss allowance to noncurrent loans | 76.6190% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 3.2569% | 750 |
| Noncurrent loans to loans | 2.2346% | 1,465 |
| Net loans and leases to total assets | 51.1492% | 4,839 |
| Net loans and leases to deposits | 61.6925% | 4,720 |
| Net loans and leases to core deposits | 62.2884% | 4,947 |
| Total domestic deposits to total assets | 82.9098% | 4,337 |
| Equity capital to assets | 12.6597% | 1,562 |
| Core capital (leverage) ratio | 12.1285% | 1,585 |
| Tier 1 risk-based capital ratio | 17.6608% | 2,363 |
| Total risk-based capital ratio | 18.9116% | 2,337 |
| Memoranda: | ||
| Average total assets | $102,418,330 | 4,626 |
| Average earning assets | $90,023,000 | 4,731 |
| Average equity | $12,609,670 | 4,299 |
| Average total loans | $53,971,330 | 4,748 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 1,873 |
| Cost of funding earning assets | 0.5069% | 2,828 |
| Net interest margin | 3.9713% | 1,852 |
| Noninterest income to average assets | 0.7922% | 1,785 |
| Noninterest expense to average assets | 3.7072% | 1,120 |
| Loan and lease loss provision to assets | 0.1639% | 1,483 |
| Net operating income to assets | 0.4332% | 5,003 |
| Return on assets (ROA) | 0.4332% | 5,063 |
| Pretax return on assets | 0.4371% | 5,342 |
| Return on Equity (ROE) | 3.5684% | 5,236 |
| Retained earnings to average equity (ytd only) | 2.7326% | 4,450 |
| Net charge-offs to loans | 0.2723% | 1,256 |
| Credit loss provision to net charge-offs | 113.5135% | 1,509 |
| Earnings coverage of net charge-offs (x) | 4.1622% | 2,563 |
| Efficiency ratio | 86.0507% | 1,447 |
| Assets per employee ($millions) | 2.6481% | 6,250 |
| Cash dividends to net income (ytd only)* | 23.4234% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 2,477 |
| Loan loss allowance to noncurrent loans | 94.2348% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 3.3132% | 802 |
| Noncurrent loans to loans | 1.7608% | 2,192 |
| Net loans and leases to total assets | 52.9475% | 4,548 |
| Net loans and leases to deposits | 63.7145% | 4,347 |
| Net loans and leases to core deposits | 64.6492% | 4,630 |
| Total domestic deposits to total assets | 83.1011% | 4,575 |
| Equity capital to assets | 12.4717% | 1,591 |
| Core capital (leverage) ratio | 12.1487% | 1,574 |
| Tier 1 risk-based capital ratio | 17.4062% | 2,514 |
| Total risk-based capital ratio | 18.6567% | 2,481 |
| Memoranda: | ||
| Average total assets | $102,504,500 | 4,670 |
| Average earning assets | $90,750,500 | 4,755 |
| Average equity | $12,442,500 | 4,355 |
| Average total loans | $54,352,500 | 4,780 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5113% | 2,164 |
| Cost of funding earning assets | 0.6930% | 1,871 |
| Net interest margin | 3.8183% | 2,579 |
| Noninterest income to average assets | 1.0853% | 1,201 |
| Noninterest expense to average assets | 3.5557% | 1,543 |
| Loan and lease loss provision to assets | 0.1763% | 2,095 |
| Net operating income to assets | 0.6921% | 3,831 |
| Return on assets (ROA) | 0.6921% | 3,925 |
| Pretax return on assets | 0.6940% | 4,564 |
| Return on Equity (ROE) | 5.9062% | 4,142 |
| Retained earnings to average equity (ytd only) | 2.6634% | 4,350 |
| Net charge-offs to loans | 0.4487% | 1,481 |
| Credit loss provision to net charge-offs | 75.4032% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.7218% | 3,768 |
| Efficiency ratio | 80.3366% | 2,099 |
| Assets per employee ($millions) | 2.6764% | 6,249 |
| Cash dividends to net income (ytd only)* | 54.9046% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 2,606 |
| Loan loss allowance to noncurrent loans | 47.6825% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 3.2947% | 915 |
| Noncurrent loans to loans | 3.4424% | 925 |
| Net loans and leases to total assets | 51.3800% | 4,931 |
| Net loans and leases to deposits | 61.1577% | 4,814 |
| Net loans and leases to core deposits | 62.6743% | 5,003 |
| Total domestic deposits to total assets | 84.0124% | 4,164 |
| Equity capital to assets | 11.8173% | 1,934 |
| Core capital (leverage) ratio | 11.5988% | 1,889 |
| Tier 1 risk-based capital ratio | 17.0598% | 2,582 |
| Total risk-based capital ratio | 18.3114% | 2,552 |
| Memoranda: | ||
| Average total assets | $106,056,400 | 4,588 |
| Average earning assets | $92,789,800 | 4,705 |
| Average equity | $12,427,600 | 4,370 |
| Average total loans | $55,271,000 | 4,774 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 2,001 |
| Cost of funding earning assets | 0.7377% | 1,682 |
| Net interest margin | 3.8249% | 2,557 |
| Noninterest income to average assets | 1.2034% | 1,008 |
| Noninterest expense to average assets | 3.4586% | 1,699 |
| Loan and lease loss provision to assets | 0.2317% | 1,563 |
| Net operating income to assets | 0.8477% | 3,111 |
| Return on assets (ROA) | 0.8477% | 3,226 |
| Pretax return on assets | 0.8503% | 4,092 |
| Return on Equity (ROE) | 7.2497% | 3,518 |
| Retained earnings to average equity (ytd only) | 2.9341% | 4,568 |
| Net charge-offs to loans | 0.5097% | 1,262 |
| Credit loss provision to net charge-offs | 87.2642% | 2,685 |
| Earnings coverage of net charge-offs (x) | 4.0755% | 3,546 |
| Efficiency ratio | 76.1721% | 2,710 |
| Assets per employee ($millions) | 2.8787% | 6,037 |
| Cash dividends to net income (ytd only)* | 59.5276% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 2,647 |
| Loan loss allowance to noncurrent loans | 42.2010% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 3.5981% | 925 |
| Noncurrent loans to loans | 4.0100% | 875 |
| Net loans and leases to total assets | 49.2824% | 5,216 |
| Net loans and leases to deposits | 58.0401% | 5,186 |
| Net loans and leases to core deposits | 60.1842% | 5,282 |
| Total domestic deposits to total assets | 84.9109% | 3,788 |
| Equity capital to assets | 11.1784% | 2,588 |
| Core capital (leverage) ratio | 11.0067% | 2,472 |
| Tier 1 risk-based capital ratio | 16.7130% | 2,857 |
| Total risk-based capital ratio | 17.9633% | 2,806 |
| Memoranda: | ||
| Average total assets | $106,475,250 | 4,627 |
| Average earning assets | $92,896,750 | 4,753 |
| Average equity | $12,450,750 | 4,406 |
| Average total loans | $55,457,250 | 4,808 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6993% | 1,574 |
| Cost of funding earning assets | 0.7756% | 1,551 |
| Net interest margin | 3.9237% | 2,134 |
| Noninterest income to average assets | 1.0616% | 1,359 |
| Noninterest expense to average assets | 3.4501% | 1,717 |
| Loan and lease loss provision to assets | 0.2919% | 1,243 |
| Net operating income to assets | 0.7412% | 3,613 |
| Return on assets (ROA) | 0.7412% | 3,769 |
| Pretax return on assets | 0.7431% | 4,529 |
| Return on Equity (ROE) | 6.2435% | 4,025 |
| Retained earnings to average equity (ytd only) | 3.2415% | 4,244 |
| Net charge-offs to loans | 0.2228% | 2,397 |
| Credit loss provision to net charge-offs | 248.3871% | 1,018 |
| Earnings coverage of net charge-offs (x) | 8.8065% | 2,364 |
| Efficiency ratio | 76.9231% | 2,639 |
| Assets per employee ($millions) | 2.6375% | 6,364 |
| Cash dividends to net income (ytd only)* | 48.0818% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 2,081 |
| Loan loss allowance to noncurrent loans | 53.7712% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 4.1512% | 819 |
| Noncurrent loans to loans | 3.5591% | 1,168 |
| Net loans and leases to total assets | 52.2190% | 4,831 |
| Net loans and leases to deposits | 62.6157% | 4,668 |
| Net loans and leases to core deposits | 65.4358% | 4,748 |
| Total domestic deposits to total assets | 83.3960% | 4,551 |
| Equity capital to assets | 11.8684% | 1,992 |
| Core capital (leverage) ratio | 11.6511% | 1,831 |
| Tier 1 risk-based capital ratio | 16.6523% | 2,863 |
| Total risk-based capital ratio | 17.9045% | 2,831 |
| Memoranda: | ||
| Average total assets | $105,503,670 | 4,691 |
| Average earning assets | $92,055,330 | 4,792 |
| Average equity | $12,525,000 | 4,419 |
| Average total loans | $55,663,670 | 4,829 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 1,759 |
| Cost of funding earning assets | 0.8058% | 1,495 |
| Net interest margin | 3.8192% | 2,382 |
| Noninterest income to average assets | 1.2769% | 936 |
| Noninterest expense to average assets | 3.4337% | 1,757 |
| Loan and lease loss provision to assets | 0.3445% | 956 |
| Net operating income to assets | 0.8313% | 3,000 |
| Return on assets (ROA) | 0.8313% | 3,142 |
| Pretax return on assets | 0.8350% | 4,020 |
| Return on Equity (ROE) | 7.0012% | 3,486 |
| Retained earnings to average equity (ytd only) | 4.1629% | 3,722 |
| Net charge-offs to loans | 0.0428% | 3,432 |
| Credit loss provision to net charge-offs | 1,533.3333% | 204 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 650 |
| Efficiency ratio | 74.4318% | 3,190 |
| Assets per employee ($millions) | 2.7242% | 6,374 |
| Cash dividends to net income (ytd only)* | 40.5405% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8632% | 2,409 |
| Loan loss allowance to noncurrent loans | 26.8576% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 5.9091% | 543 |
| Noncurrent loans to loans | 6.9373% | 429 |
| Net loans and leases to total assets | 52.9676% | 4,563 |
| Net loans and leases to deposits | 64.5291% | 4,252 |
| Net loans and leases to core deposits | 67.6083% | 4,346 |
| Total domestic deposits to total assets | 82.0833% | 5,165 |
| Equity capital to assets | 12.3061% | 1,833 |
| Core capital (leverage) ratio | 11.5757% | 1,829 |
| Tier 1 risk-based capital ratio | 16.5922% | 2,954 |
| Total risk-based capital ratio | 17.8474% | 2,915 |
| Memoranda: | ||
| Average total assets | $106,825,000 | 4,690 |
| Average earning assets | $93,318,000 | 4,815 |
| Average equity | $12,683,500 | 4,434 |
| Average total loans | $56,115,000 | 4,853 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 1,513 |
| Cost of funding earning assets | 1.0226% | 1,238 |
| Net interest margin | 3.9944% | 2,406 |
| Noninterest income to average assets | 1.2415% | 1,013 |
| Noninterest expense to average assets | 3.4551% | 1,937 |
| Loan and lease loss provision to assets | 0.4458% | 1,416 |
| Net operating income to assets | 0.7610% | 3,462 |
| Return on assets (ROA) | 0.7921% | 3,571 |
| Pretax return on assets | 0.7939% | 4,314 |
| Return on Equity (ROE) | 7.0124% | 3,636 |
| Retained earnings to average equity (ytd only) | 5.0551% | 2,668 |
| Net charge-offs to loans | 0.9359% | 1,191 |
| Credit loss provision to net charge-offs | 89.7059% | 3,486 |
| Earnings coverage of net charge-offs (x) | 2.4320% | 4,195 |
| Efficiency ratio | 74.0842% | 3,056 |
| Assets per employee ($millions) | 2.8239% | 6,282 |
| Cash dividends to net income (ytd only)* | 27.9123% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6945% | 2,957 |
| Loan loss allowance to noncurrent loans | 16.6579% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 6.8191% | 459 |
| Noncurrent loans to loans | 10.1725% | 224 |
| Net loans and leases to total assets | 50.3060% | 5,125 |
| Net loans and leases to deposits | 59.9036% | 5,035 |
| Net loans and leases to core deposits | 63.3793% | 5,027 |
| Total domestic deposits to total assets | 83.9783% | 4,324 |
| Equity capital to assets | 11.4662% | 2,481 |
| Core capital (leverage) ratio | 10.7572% | 2,483 |
| Tier 1 risk-based capital ratio | 15.9147% | 3,206 |
| Total risk-based capital ratio | 17.1659% | 3,171 |
| Memoranda: | ||
| Average total assets | $109,462,600 | 4,602 |
| Average earning assets | $93,781,400 | 4,760 |
| Average equity | $12,363,800 | 4,484 |
| Average total loans | $58,123,000 | 4,791 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 1,465 |
| Cost of funding earning assets | 1.0672% | 1,208 |
| Net interest margin | 4.0161% | 2,443 |
| Noninterest income to average assets | 1.2602% | 943 |
| Noninterest expense to average assets | 3.4938% | 1,776 |
| Loan and lease loss provision to assets | 0.5148% | 1,181 |
| Net operating income to assets | 0.6831% | 3,989 |
| Return on assets (ROA) | 0.7246% | 4,051 |
| Pretax return on assets | 0.7271% | 4,760 |
| Return on Equity (ROE) | 6.4400% | 4,101 |
| Retained earnings to average equity (ytd only) | 3.8163% | 4,201 |
| Net charge-offs to loans | 0.9220% | 1,173 |
| Credit loss provision to net charge-offs | 104.1975% | 2,830 |
| Earnings coverage of net charge-offs (x) | 2.4296% | 4,068 |
| Efficiency ratio | 74.4283% | 2,912 |
| Assets per employee ($millions) | 2.8288% | 6,322 |
| Cash dividends to net income (ytd only)* | 40.7409% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7669% | 2,907 |
| Loan loss allowance to noncurrent loans | 22.3381% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 5.4848% | 777 |
| Noncurrent loans to loans | 7.9099% | 406 |
| Net loans and leases to total assets | 50.5099% | 5,252 |
| Net loans and leases to deposits | 59.8231% | 5,233 |
| Net loans and leases to core deposits | 64.3973% | 5,110 |
| Total domestic deposits to total assets | 84.4322% | 4,013 |
| Equity capital to assets | 11.0314% | 3,234 |
| Core capital (leverage) ratio | 10.2341% | 3,248 |
| Tier 1 risk-based capital ratio | 14.7677% | 4,003 |
| Total risk-based capital ratio | 16.0184% | 3,957 |
| Memoranda: | ||
| Average total assets | $109,295,250 | 4,656 |
| Average earning assets | $93,454,750 | 4,813 |
| Average equity | $12,297,750 | 4,542 |
| Average total loans | $58,564,250 | 4,816 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1732% | 1,329 |
| Cost of funding earning assets | 1.1029% | 1,210 |
| Net interest margin | 4.0703% | 2,206 |
| Noninterest income to average assets | 1.3517% | 785 |
| Noninterest expense to average assets | 3.5737% | 1,635 |
| Loan and lease loss provision to assets | 0.6333% | 917 |
| Net operating income to assets | 0.6555% | 4,083 |
| Return on assets (ROA) | 0.7333% | 3,961 |
| Pretax return on assets | 0.7351% | 4,722 |
| Return on Equity (ROE) | 6.4725% | 4,060 |
| Retained earnings to average equity (ytd only) | 4.1025% | 3,874 |
| Net charge-offs to loans | 0.5827% | 1,862 |
| Credit loss provision to net charge-offs | 200.0000% | 1,419 |
| Earnings coverage of net charge-offs (x) | 4.0760% | 3,184 |
| Efficiency ratio | 73.4678% | 3,167 |
| Assets per employee ($millions) | 2.5945% | 6,661 |
| Cash dividends to net income (ytd only)* | 36.6162% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9997% | 2,230 |
| Loan loss allowance to noncurrent loans | 23.8788% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 6.5833% | 622 |
| Noncurrent loans to loans | 8.3745% | 393 |
| Net loans and leases to total assets | 54.4540% | 4,716 |
| Net loans and leases to deposits | 65.5249% | 4,571 |
| Net loans and leases to core deposits | 72.3460% | 4,259 |
| Total domestic deposits to total assets | 83.1043% | 4,711 |
| Equity capital to assets | 11.5769% | 2,517 |
| Core capital (leverage) ratio | 10.7860% | 2,495 |
| Tier 1 risk-based capital ratio | 13.7167% | 4,648 |
| Total risk-based capital ratio | 14.9784% | 4,617 |
| Memoranda: | ||
| Average total assets | $108,010,330 | 4,718 |
| Average earning assets | $93,211,000 | 4,841 |
| Average equity | $12,236,330 | 4,555 |
| Average total loans | $58,692,330 | 4,840 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2070% | 1,301 |
| Cost of funding earning assets | 1.1185% | 1,305 |
| Net interest margin | 4.0885% | 2,149 |
| Noninterest income to average assets | 1.3342% | 802 |
| Noninterest expense to average assets | 3.4513% | 1,872 |
| Loan and lease loss provision to assets | 0.6285% | 890 |
| Net operating income to assets | 0.7976% | 3,387 |
| Return on assets (ROA) | 0.7976% | 3,628 |
| Pretax return on assets | 0.8013% | 4,408 |
| Return on Equity (ROE) | 7.1165% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.2638% | 2,813 |
| Net charge-offs to loans | 0.1094% | 3,473 |
| Credit loss provision to net charge-offs | 1,068.7500% | 325 |
| Earnings coverage of net charge-offs (x) | 24.3125% | 1,062 |
| Efficiency ratio | 70.7078% | 3,673 |
| Assets per employee ($millions) | 2.7658% | 6,553 |
| Cash dividends to net income (ytd only)* | 11.9816% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0111% | 2,324 |
| Loan loss allowance to noncurrent loans | 27.5325% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 6.2884% | 725 |
| Noncurrent loans to loans | 7.3046% | 590 |
| Net loans and leases to total assets | 52.6681% | 4,924 |
| Net loans and leases to deposits | 62.8280% | 4,795 |
| Net loans and leases to core deposits | 69.4715% | 4,504 |
| Total domestic deposits to total assets | 83.8290% | 4,573 |
| Equity capital to assets | 11.3391% | 2,591 |
| Core capital (leverage) ratio | 10.4983% | 2,752 |
| Tier 1 risk-based capital ratio | 13.6636% | 4,705 |
| Total risk-based capital ratio | 14.9156% | 4,687 |
| Memoranda: | ||
| Average total assets | $108,827,500 | 4,734 |
| Average earning assets | $94,412,000 | 4,838 |
| Average equity | $12,197,000 | 4,572 |
| Average total loans | $58,484,500 | 4,884 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3313% | 1,620 |
| Cost of funding earning assets | 1.3183% | 1,395 |
| Net interest margin | 4.0130% | 2,819 |
| Noninterest income to average assets | 0.7837% | 2,144 |
| Noninterest expense to average assets | 3.2961% | 2,535 |
| Loan and lease loss provision to assets | 0.6217% | 1,652 |
| Net operating income to assets | 0.3465% | 5,083 |
| Return on assets (ROA) | 0.4623% | 4,782 |
| Pretax return on assets | 0.4658% | 5,089 |
| Return on Equity (ROE) | 4.4504% | 4,649 |
| Retained earnings to average equity (ytd only) | 1.5090% | 5,138 |
| Net charge-offs to loans | 0.9708% | 1,774 |
| Credit loss provision to net charge-offs | 115.6507% | 2,818 |
| Earnings coverage of net charge-offs (x) | 1.8056% | 4,433 |
| Efficiency ratio | 74.5538% | 3,137 |
| Assets per employee ($millions) | 2.7447% | 6,543 |
| Cash dividends to net income (ytd only)* | 66.0920% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 4,513 |
| Loan loss allowance to noncurrent loans | 23.5227% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 5.5251% | 924 |
| Noncurrent loans to loans | 5.9093% | 851 |
| Net loans and leases to total assets | 52.9853% | 5,172 |
| Net loans and leases to deposits | 63.2387% | 5,096 |
| Net loans and leases to core deposits | 70.1738% | 4,756 |
| Total domestic deposits to total assets | 83.7862% | 4,418 |
| Equity capital to assets | 11.0785% | 2,915 |
| Core capital (leverage) ratio | 10.2281% | 3,054 |
| Tier 1 risk-based capital ratio | 16.4588% | 2,841 |
| Total risk-based capital ratio | 17.6721% | 2,820 |
| Memoranda: | ||
| Average total assets | $112,920,400 | 4,574 |
| Average earning assets | $98,006,400 | 4,684 |
| Average equity | $11,729,400 | 4,612 |
| Average total loans | $62,525,600 | 4,775 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3982% | 1,509 |
| Cost of funding earning assets | 1.3577% | 1,428 |
| Net interest margin | 4.0405% | 2,730 |
| Noninterest income to average assets | 0.9592% | 1,452 |
| Noninterest expense to average assets | 3.2915% | 2,521 |
| Loan and lease loss provision to assets | 0.6203% | 1,585 |
| Net operating income to assets | 0.5486% | 4,327 |
| Return on assets (ROA) | 0.6438% | 4,085 |
| Pretax return on assets | 0.6473% | 4,655 |
| Return on Equity (ROE) | 6.2988% | 3,878 |
| Retained earnings to average equity (ytd only) | 2.3405% | 4,946 |
| Net charge-offs to loans | 0.8264% | 1,920 |
| Credit loss provision to net charge-offs | 134.6056% | 2,365 |
| Earnings coverage of net charge-offs (x) | 2.5420% | 3,859 |
| Efficiency ratio | 71.1771% | 3,706 |
| Assets per employee ($millions) | 2.8654% | 6,378 |
| Cash dividends to net income (ytd only)* | 62.8419% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 4,310 |
| Loan loss allowance to noncurrent loans | 30.0944% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 4.7742% | 1,227 |
| Noncurrent loans to loans | 4.8393% | 1,320 |
| Net loans and leases to total assets | 50.8293% | 5,604 |
| Net loans and leases to deposits | 60.2659% | 5,600 |
| Net loans and leases to core deposits | 67.4411% | 5,249 |
| Total domestic deposits to total assets | 84.3418% | 4,084 |
| Equity capital to assets | 10.6232% | 3,548 |
| Core capital (leverage) ratio | 9.8016% | 3,706 |
| Tier 1 risk-based capital ratio | 16.1081% | 3,060 |
| Total risk-based capital ratio | 17.3540% | 3,028 |
| Memoranda: | ||
| Average total assets | $113,703,250 | 4,585 |
| Average earning assets | $98,598,750 | 4,702 |
| Average equity | $11,621,000 | 4,655 |
| Average total loans | $63,409,000 | 4,783 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4563% | 1,396 |
| Cost of funding earning assets | 1.3807% | 1,496 |
| Net interest margin | 4.0756% | 2,507 |
| Noninterest income to average assets | 0.9154% | 1,601 |
| Noninterest expense to average assets | 3.3052% | 2,541 |
| Loan and lease loss provision to assets | 0.6896% | 1,379 |
| Net operating income to assets | 0.4847% | 4,564 |
| Return on assets (ROA) | 0.6279% | 4,041 |
| Pretax return on assets | 0.6314% | 4,645 |
| Return on Equity (ROE) | 6.2260% | 3,836 |
| Retained earnings to average equity (ytd only) | 3.0780% | 4,313 |
| Net charge-offs to loans | 1.0210% | 1,546 |
| Credit loss provision to net charge-offs | 118.1269% | 2,601 |
| Earnings coverage of net charge-offs (x) | 2.0151% | 3,856 |
| Efficiency ratio | 71.1137% | 3,914 |
| Assets per employee ($millions) | 2.7888% | 6,493 |
| Cash dividends to net income (ytd only)* | 50.5618% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 5,282 |
| Loan loss allowance to noncurrent loans | 24.3721% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 4.8517% | 1,273 |
| Noncurrent loans to loans | 5.1509% | 1,254 |
| Net loans and leases to total assets | 56.8418% | 4,843 |
| Net loans and leases to deposits | 67.7910% | 4,739 |
| Net loans and leases to core deposits | 76.7399% | 4,221 |
| Total domestic deposits to total assets | 83.8487% | 4,415 |
| Equity capital to assets | 10.8776% | 3,095 |
| Core capital (leverage) ratio | 10.3078% | 2,925 |
| Tier 1 risk-based capital ratio | 15.5615% | 3,211 |
| Total risk-based capital ratio | 16.6594% | 3,233 |
| Memoranda: | ||
| Average total assets | $113,398,670 | 4,625 |
| Average earning assets | $99,224,000 | 4,724 |
| Average equity | $11,436,000 | 4,704 |
| Average total loans | $64,838,670 | 4,758 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4074% | 1,533 |
| Cost of funding earning assets | 1.3774% | 1,728 |
| Net interest margin | 4.0300% | 2,564 |
| Noninterest income to average assets | 0.8849% | 1,711 |
| Noninterest expense to average assets | 3.2597% | 2,679 |
| Loan and lease loss provision to assets | 1.0578% | 705 |
| Net operating income to assets | 0.1037% | 6,088 |
| Return on assets (ROA) | 0.1037% | 6,141 |
| Pretax return on assets | 0.1072% | 6,152 |
| Return on Equity (ROE) | 1.0678% | 6,110 |
| Retained earnings to average equity (ytd only) | -2.2067% | 6,184 |
| Net charge-offs to loans | 1.3100% | 1,054 |
| Credit loss provision to net charge-offs | 141.6667% | 1,987 |
| Earnings coverage of net charge-offs (x) | 1.5602% | 3,538 |
| Efficiency ratio | 71.2500% | 4,000 |
| Assets per employee ($millions) | 2.7672% | 6,589 |
| Cash dividends to net income (ytd only)* | 306.6667% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 5,364 |
| Loan loss allowance to noncurrent loans | 24.6741% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 4.1321% | 1,604 |
| Noncurrent loans to loans | 5.0852% | 1,318 |
| Net loans and leases to total assets | 56.4634% | 4,917 |
| Net loans and leases to deposits | 67.5674% | 4,739 |
| Net loans and leases to core deposits | 76.0780% | 4,291 |
| Total domestic deposits to total assets | 83.5660% | 4,672 |
| Equity capital to assets | 10.0076% | 3,762 |
| Core capital (leverage) ratio | 9.6460% | 3,597 |
| Tier 1 risk-based capital ratio | 13.8569% | 4,171 |
| Total risk-based capital ratio | 14.8918% | 4,299 |
| Memoranda: | ||
| Average total assets | $115,715,500 | 4,594 |
| Average earning assets | $101,638,500 | 4,700 |
| Average equity | $11,238,500 | 4,736 |
| Average total loans | $65,953,000 | 4,772 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 1,586 |
| Cost of funding earning assets | 1.6987% | 1,608 |
| Net interest margin | 3.9963% | 3,037 |
| Noninterest income to average assets | 1.2887% | 883 |
| Noninterest expense to average assets | 3.2914% | 2,765 |
| Loan and lease loss provision to assets | 0.5755% | 2,832 |
| Net operating income to assets | 0.9181% | 2,324 |
| Return on assets (ROA) | 1.0014% | 2,138 |
| Pretax return on assets | 1.0048% | 2,919 |
| Return on Equity (ROE) | 10.7116% | 1,678 |
| Retained earnings to average equity (ytd only) | 3.8464% | 3,168 |
| Net charge-offs to loans | 0.8683% | 2,458 |
| Credit loss provision to net charge-offs | 109.5469% | 4,025 |
| Earnings coverage of net charge-offs (x) | 2.8495% | 3,649 |
| Efficiency ratio | 66.4122% | 4,891 |
| Assets per employee ($millions) | 2.8090% | 6,512 |
| Cash dividends to net income (ytd only)* | 64.0917% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 6,032 |
| Loan loss allowance to noncurrent loans | 14.9288% | 6,992 |
| Noncurrent assets plus other real estate owned to assets | 5.2154% | 1,198 |
| Noncurrent loans to loans | 7.2249% | 763 |
| Net loans and leases to total assets | 56.2050% | 5,311 |
| Net loans and leases to deposits | 67.4866% | 5,167 |
| Net loans and leases to core deposits | 75.2101% | 4,830 |
| Total domestic deposits to total assets | 83.2832% | 4,680 |
| Equity capital to assets | 9.4281% | 4,503 |
| Core capital (leverage) ratio | 9.3051% | 4,004 |
| Tier 1 risk-based capital ratio | 14.4241% | 3,601 |
| Total risk-based capital ratio | 15.3753% | 3,747 |
| Memoranda: | ||
| Average total assets | $117,640,400 | 4,531 |
| Average earning assets | $103,020,400 | 4,639 |
| Average equity | $10,997,400 | 4,864 |
| Average total loans | $71,170,400 | 4,634 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8090% | 1,368 |
| Cost of funding earning assets | 1.7739% | 1,533 |
| Net interest margin | 4.0351% | 2,930 |
| Noninterest income to average assets | 0.9890% | 1,490 |
| Noninterest expense to average assets | 3.3311% | 2,482 |
| Loan and lease loss provision to assets | 0.3777% | 3,625 |
| Net operating income to assets | 0.7985% | 3,003 |
| Return on assets (ROA) | 0.9096% | 2,716 |
| Pretax return on assets | 0.9130% | 3,512 |
| Return on Equity (ROE) | 9.7511% | 2,228 |
| Retained earnings to average equity (ytd only) | 1.2645% | 5,305 |
| Net charge-offs to loans | 0.6998% | 2,666 |
| Credit loss provision to net charge-offs | 87.8628% | 4,858 |
| Earnings coverage of net charge-offs (x) | 2.7441% | 3,776 |
| Efficiency ratio | 71.3100% | 3,832 |
| Assets per employee ($millions) | 2.8926% | 6,392 |
| Cash dividends to net income (ytd only)* | 87.0318% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 6,761 |
| Loan loss allowance to noncurrent loans | 22.9855% | 6,757 |
| Noncurrent assets plus other real estate owned to assets | 3.3929% | 2,097 |
| Noncurrent loans to loans | 3.8906% | 1,954 |
| Net loans and leases to total assets | 56.4647% | 5,484 |
| Net loans and leases to deposits | 67.6159% | 5,473 |
| Net loans and leases to core deposits | 75.8193% | 5,079 |
| Total domestic deposits to total assets | 83.5081% | 4,369 |
| Equity capital to assets | 9.2452% | 5,230 |
| Core capital (leverage) ratio | 8.8001% | 5,009 |
| Tier 1 risk-based capital ratio | 13.6680% | 4,074 |
| Total risk-based capital ratio | 14.4632% | 4,387 |
| Memoranda: | ||
| Average total assets | $117,556,250 | 4,598 |
| Average earning assets | $102,597,500 | 4,706 |
| Average equity | $10,966,000 | 4,933 |
| Average total loans | $72,205,000 | 4,676 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9860% | 978 |
| Cost of funding earning assets | 1.8644% | 1,357 |
| Net interest margin | 4.1216% | 2,461 |
| Noninterest income to average assets | 0.7484% | 2,404 |
| Noninterest expense to average assets | 3.3894% | 2,292 |
| Loan and lease loss provision to assets | 0.3510% | 3,616 |
| Net operating income to assets | 0.5808% | 3,948 |
| Return on assets (ROA) | 0.6830% | 3,619 |
| Pretax return on assets | 0.6865% | 4,285 |
| Return on Equity (ROE) | 7.2996% | 3,181 |
| Retained earnings to average equity (ytd only) | -2.3535% | 6,198 |
| Net charge-offs to loans | 0.5874% | 2,768 |
| Credit loss provision to net charge-offs | 94.8837% | 4,264 |
| Earnings coverage of net charge-offs (x) | 2.5256% | 3,736 |
| Efficiency ratio | 75.6466% | 3,130 |
| Assets per employee ($millions) | 2.6740% | 6,817 |
| Cash dividends to net income (ytd only)* | 132.2418% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 6,765 |
| Loan loss allowance to noncurrent loans | 27.9777% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 3.1570% | 2,243 |
| Noncurrent loans to loans | 3.2082% | 2,496 |
| Net loans and leases to total assets | 62.7051% | 4,533 |
| Net loans and leases to deposits | 75.5834% | 4,406 |
| Net loans and leases to core deposits | 85.6161% | 3,886 |
| Total domestic deposits to total assets | 82.9615% | 4,595 |
| Equity capital to assets | 9.5251% | 4,668 |
| Core capital (leverage) ratio | 9.0942% | 4,468 |
| Tier 1 risk-based capital ratio | 13.2299% | 4,266 |
| Total risk-based capital ratio | 14.0600% | 4,562 |
| Memoranda: | ||
| Average total assets | $116,245,000 | 4,650 |
| Average earning assets | $100,834,670 | 4,782 |
| Average equity | $10,877,330 | 4,947 |
| Average total loans | $73,200,670 | 4,669 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0649% | 848 |
| Cost of funding earning assets | 1.9831% | 1,148 |
| Net interest margin | 4.0818% | 2,520 |
| Noninterest income to average assets | 0.6331% | 3,058 |
| Noninterest expense to average assets | 3.3574% | 2,356 |
| Loan and lease loss provision to assets | 0.3662% | 3,171 |
| Net operating income to assets | 0.4162% | 4,767 |
| Return on assets (ROA) | 0.6195% | 3,942 |
| Pretax return on assets | 0.6229% | 4,514 |
| Return on Equity (ROE) | 6.6790% | 3,528 |
| Retained earnings to average equity (ytd only) | 0.2952% | 5,716 |
| Net charge-offs to loans | 0.8335% | 1,866 |
| Credit loss provision to net charge-offs | 69.9346% | 4,102 |
| Earnings coverage of net charge-offs (x) | 1.4967% | 3,837 |
| Efficiency ratio | 78.2645% | 2,855 |
| Assets per employee ($millions) | 2.6441% | 6,965 |
| Cash dividends to net income (ytd only)* | 95.5801% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 6,992 |
| Loan loss allowance to noncurrent loans | 24.9096% | 6,749 |
| Noncurrent assets plus other real estate owned to assets | 3.4680% | 2,035 |
| Noncurrent loans to loans | 3.4154% | 2,332 |
| Net loans and leases to total assets | 63.5508% | 4,416 |
| Net loans and leases to deposits | 77.1488% | 4,191 |
| Net loans and leases to core deposits | 87.5820% | 3,668 |
| Total domestic deposits to total assets | 82.3744% | 4,900 |
| Equity capital to assets | 9.5683% | 4,425 |
| Core capital (leverage) ratio | 9.3067% | 4,042 |
| Tier 1 risk-based capital ratio | 13.4114% | 4,039 |
| Total risk-based capital ratio | 14.1995% | 4,346 |
| Memoranda: | ||
| Average total assets | $116,877,000 | 4,696 |
| Average earning assets | $100,447,000 | 4,866 |
| Average equity | $10,840,000 | 5,015 |
| Average total loans | $73,425,000 | 4,737 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4262% | 780 |
| Cost of funding earning assets | 2.4734% | 1,085 |
| Net interest margin | 3.9528% | 3,066 |
| Noninterest income to average assets | 1.1486% | 1,168 |
| Noninterest expense to average assets | 3.2654% | 3,141 |
| Loan and lease loss provision to assets | 0.4098% | 4,351 |
| Net operating income to assets | 0.8898% | 2,214 |
| Return on assets (ROA) | 0.9249% | 2,160 |
| Pretax return on assets | 0.9266% | 2,836 |
| Return on Equity (ROE) | 10.8454% | 1,467 |
| Retained earnings to average equity (ytd only) | 6.0210% | 1,335 |
| Net charge-offs to loans | 0.6390% | 3,280 |
| Credit loss provision to net charge-offs | 97.8558% | 5,693 |
| Earnings coverage of net charge-offs (x) | 3.1072% | 3,508 |
| Efficiency ratio | 69.0919% | 4,808 |
| Assets per employee ($millions) | 2.7920% | 6,673 |
| Cash dividends to net income (ytd only)* | 44.4837% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 6,814 |
| Loan loss allowance to noncurrent loans | 45.4545% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 2.6129% | 2,690 |
| Noncurrent loans to loans | 1.9777% | 3,674 |
| Net loans and leases to total assets | 61.0623% | 5,184 |
| Net loans and leases to deposits | 75.6605% | 4,803 |
| Net loans and leases to core deposits | 84.3165% | 5,687 |
| Total domestic deposits to total assets | 80.7057% | 5,439 |
| Equity capital to assets | 8.9966% | 5,154 |
| Core capital (leverage) ratio | 8.7999% | 4,768 |
| Tier 1 risk-based capital ratio | 13.0406% | 4,120 |
| Total risk-based capital ratio | 13.8632% | 4,372 |
| Memoranda: | ||
| Average total assets | $122,496,400 | 4,502 |
| Average earning assets | $105,925,000 | 4,682 |
| Average equity | $10,446,800 | 5,178 |
| Average total loans | $80,285,600 | 4,499 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5442% | 685 |
| Cost of funding earning assets | 2.5789% | 1,079 |
| Net interest margin | 3.9653% | 2,964 |
| Noninterest income to average assets | 1.2065% | 1,059 |
| Noninterest expense to average assets | 3.3087% | 2,882 |
| Loan and lease loss provision to assets | 0.4375% | 3,720 |
| Net operating income to assets | 0.8903% | 2,450 |
| Return on assets (ROA) | 0.8903% | 2,529 |
| Pretax return on assets | 0.8924% | 3,254 |
| Return on Equity (ROE) | 10.5806% | 1,741 |
| Retained earnings to average equity (ytd only) | 4.4022% | 2,815 |
| Net charge-offs to loans | 0.6270% | 2,801 |
| Credit loss provision to net charge-offs | 104.9351% | 4,840 |
| Earnings coverage of net charge-offs (x) | 3.1896% | 3,643 |
| Efficiency ratio | 68.9937% | 4,785 |
| Assets per employee ($millions) | 2.8405% | 6,559 |
| Cash dividends to net income (ytd only)* | 58.3939% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 6,756 |
| Loan loss allowance to noncurrent loans | 44.1550% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 2.3923% | 2,880 |
| Noncurrent loans to loans | 2.0388% | 3,582 |
| Net loans and leases to total assets | 61.2152% | 5,378 |
| Net loans and leases to deposits | 75.4956% | 5,126 |
| Net loans and leases to core deposits | 84.3444% | 6,016 |
| Total domestic deposits to total assets | 81.0845% | 5,046 |
| Equity capital to assets | 8.5556% | 6,177 |
| Core capital (leverage) ratio | 8.2436% | 5,934 |
| Tier 1 risk-based capital ratio | 12.2927% | 4,715 |
| Total risk-based capital ratio | 13.1248% | 5,022 |
| Memoranda: | ||
| Average total assets | $123,106,500 | 4,517 |
| Average earning assets | $106,554,000 | 4,688 |
| Average equity | $10,358,250 | 5,239 |
| Average total loans | $81,863,500 | 4,488 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5954% | 663 |
| Cost of funding earning assets | 2.6943% | 1,044 |
| Net interest margin | 3.9011% | 3,109 |
| Noninterest income to average assets | 1.0940% | 1,328 |
| Noninterest expense to average assets | 3.3964% | 2,648 |
| Loan and lease loss provision to assets | 0.2907% | 4,249 |
| Net operating income to assets | 0.8099% | 2,817 |
| Return on assets (ROA) | 0.8099% | 2,914 |
| Pretax return on assets | 0.8116% | 3,634 |
| Return on Equity (ROE) | 9.6812% | 2,139 |
| Retained earnings to average equity (ytd only) | 4.5283% | 2,774 |
| Net charge-offs to loans | 0.5227% | 2,757 |
| Credit loss provision to net charge-offs | 81.6514% | 5,147 |
| Earnings coverage of net charge-offs (x) | 3.0963% | 3,569 |
| Efficiency ratio | 73.1760% | 4,160 |
| Assets per employee ($millions) | 2.7276% | 6,780 |
| Cash dividends to net income (ytd only)* | 53.2258% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 7,196 |
| Loan loss allowance to noncurrent loans | 19.7946% | 7,140 |
| Noncurrent assets plus other real estate owned to assets | 4.0212% | 1,469 |
| Noncurrent loans to loans | 3.9709% | 1,716 |
| Net loans and leases to total assets | 66.8900% | 4,380 |
| Net loans and leases to deposits | 83.0442% | 4,037 |
| Net loans and leases to core deposits | 92.5544% | 5,288 |
| Total domestic deposits to total assets | 80.5474% | 5,248 |
| Equity capital to assets | 8.6589% | 5,808 |
| Core capital (leverage) ratio | 8.4751% | 5,487 |
| Tier 1 risk-based capital ratio | 11.9303% | 4,977 |
| Total risk-based capital ratio | 12.6778% | 5,374 |
| Memoranda: | ||
| Average total assets | $122,481,330 | 4,569 |
| Average earning assets | $106,893,330 | 4,699 |
| Average equity | $10,246,670 | 5,292 |
| Average total loans | $83,417,000 | 4,481 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7204% | 562 |
| Cost of funding earning assets | 2.8220% | 930 |
| Net interest margin | 3.8984% | 3,045 |
| Noninterest income to average assets | 0.8762% | 1,950 |
| Noninterest expense to average assets | 3.2430% | 2,821 |
| Loan and lease loss provision to assets | 0.3880% | 2,998 |
| Net operating income to assets | 0.6176% | 3,953 |
| Return on assets (ROA) | 0.6176% | 4,138 |
| Pretax return on assets | 0.6176% | 4,706 |
| Return on Equity (ROE) | 7.5093% | 3,380 |
| Retained earnings to average equity (ytd only) | 2.4769% | 4,492 |
| Net charge-offs to loans | 0.9307% | 1,423 |
| Credit loss provision to net charge-offs | 60.9137% | 4,501 |
| Earnings coverage of net charge-offs (x) | 1.5787% | 3,937 |
| Efficiency ratio | 73.8965% | 3,844 |
| Assets per employee ($millions) | 2.8422% | 6,547 |
| Cash dividends to net income (ytd only)* | 67.0157% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7277% | 7,366 |
| Loan loss allowance to noncurrent loans | 17.2602% | 7,302 |
| Noncurrent assets plus other real estate owned to assets | 4.0437% | 1,266 |
| Noncurrent loans to loans | 4.2162% | 1,402 |
| Net loans and leases to total assets | 65.5584% | 4,685 |
| Net loans and leases to deposits | 81.2225% | 4,415 |
| Net loans and leases to core deposits | 90.7979% | 5,477 |
| Total domestic deposits to total assets | 80.7145% | 5,085 |
| Equity capital to assets | 8.2034% | 6,533 |
| Core capital (leverage) ratio | 7.9922% | 6,463 |
| Tier 1 risk-based capital ratio | 11.4110% | 5,495 |
| Total risk-based capital ratio | 12.0988% | 5,945 |
| Memoranda: | ||
| Average total assets | $123,714,500 | 4,551 |
| Average earning assets | $107,017,500 | 4,716 |
| Average equity | $10,174,000 | 5,332 |
| Average total loans | $84,668,500 | 4,474 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1738% | 787 |
| Cost of funding earning assets | 3.2134% | 1,151 |
| Net interest margin | 3.9604% | 3,306 |
| Noninterest income to average assets | 1.1153% | 1,257 |
| Noninterest expense to average assets | 3.2818% | 3,025 |
| Loan and lease loss provision to assets | 0.4086% | 3,238 |
| Net operating income to assets | 0.9982% | 2,567 |
| Return on assets (ROA) | 1.0007% | 2,435 |
| Pretax return on assets | 1.0023% | 3,376 |
| Return on Equity (ROE) | 12.2766% | 1,526 |
| Retained earnings to average equity (ytd only) | 1.8746% | 4,059 |
| Net charge-offs to loans | 0.6475% | 1,912 |
| Credit loss provision to net charge-offs | 85.8639% | 5,767 |
| Earnings coverage of net charge-offs (x) | 2.9599% | 4,608 |
| Efficiency ratio | 67.3159% | 4,848 |
| Assets per employee ($millions) | 2.7194% | 6,740 |
| Cash dividends to net income (ytd only)* | 84.7303% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 7,167 |
| Loan loss allowance to noncurrent loans | 35.5497% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 2.1353% | 2,301 |
| Noncurrent loans to loans | 2.2017% | 2,509 |
| Net loans and leases to total assets | 70.3361% | 3,941 |
| Net loans and leases to deposits | 88.0180% | 3,802 |
| Net loans and leases to core deposits | 97.9549% | 5,045 |
| Total domestic deposits to total assets | 79.9111% | 5,054 |
| Equity capital to assets | 8.2446% | 6,487 |
| Core capital (leverage) ratio | 8.1034% | 6,319 |
| Tier 1 risk-based capital ratio | 11.1670% | 5,577 |
| Total risk-based capital ratio | 11.9328% | 5,929 |
| Memoranda: | ||
| Average total assets | $120,420,600 | 4,506 |
| Average earning assets | $108,701,800 | 4,539 |
| Average equity | $9,815,400 | 5,467 |
| Average total loans | $88,492,000 | 4,274 |