Home > Ossian State Bank > Performance and Condition Ratios
Ossian State Bank, Performance and Condition Ratios
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6477% | 4,529 |
| Cost of funding earning assets | 0.1548% | 4,273 |
| Net interest margin | 2.4929% | 4,311 |
| Noninterest income to average assets | 0.3603% | 3,284 |
| Noninterest expense to average assets | 2.2140% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5266% | 4,124 |
| Return on assets (ROA) | 0.6590% | 3,877 |
| Pretax return on assets | 0.6590% | 4,097 |
| Return on Equity (ROE) | 7.1408% | 3,573 |
| Retained earnings to average equity (ytd only) | 0.4672% | 4,312 |
| Net charge-offs to loans | 0.3778% | 221 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 3.3529% | 1,768 |
| Efficiency ratio | 80.7865% | 770 |
| Assets per employee ($millions) | 6.2050% | 2,404 |
| Cash dividends to net income (ytd only)* | 93.4579% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 2,108 |
| Loan loss allowance to noncurrent loans | 209.6591% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 2,801 |
| Noncurrent loans to loans | 0.6529% | 1,938 |
| Net loans and leases to total assets | 40.8115% | 4,297 |
| Net loans and leases to deposits | 45.3723% | 4,382 |
| Net loans and leases to core deposits | 45.8855% | 4,445 |
| Total domestic deposits to total assets | 89.9481% | 842 |
| Equity capital to assets | 9.1670% | 3,525 |
| Core capital (leverage) ratio | 9.3927% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,901,000 | 3,741 |
| Average earning assets | $124,032,500 | 3,692 |
| Average equity | $11,987,500 | 4,002 |
| Average total loans | $54,001,000 | 4,025 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3223% | 4,300 |
| Cost of funding earning assets | 0.2405% | 4,422 |
| Net interest margin | 3.0818% | 3,673 |
| Noninterest income to average assets | 0.2151% | 4,204 |
| Noninterest expense to average assets | 2.4246% | 3,074 |
| Loan and lease loss provision to assets | 0.0017% | 4,309 |
| Net operating income to assets | 0.7246% | 3,350 |
| Return on assets (ROA) | 0.7321% | 3,452 |
| Pretax return on assets | 0.7321% | 3,811 |
| Return on Equity (ROE) | 7.6220% | 2,952 |
| Retained earnings to average equity (ytd only) | 6.7607% | 1,479 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9493% | 1,128 |
| Assets per employee ($millions) | 5.3958% | 2,959 |
| Cash dividends to net income (ytd only)* | 11.2994% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 1,738 |
| Loan loss allowance to noncurrent loans | 217.9558% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 2,896 |
| Noncurrent loans to loans | 0.6693% | 2,007 |
| Net loans and leases to total assets | 41.1558% | 4,394 |
| Net loans and leases to deposits | 45.8090% | 4,473 |
| Net loans and leases to core deposits | 46.3323% | 4,537 |
| Total domestic deposits to total assets | 89.8423% | 624 |
| Equity capital to assets | 9.2897% | 3,798 |
| Core capital (leverage) ratio | 9.4826% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,887,200 | 3,735 |
| Average earning assets | $115,161,000 | 3,688 |
| Average equity | $11,611,200 | 4,017 |
| Average total loans | $57,809,800 | 3,954 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4549% | 4,279 |
| Cost of funding earning assets | 0.2645% | 4,451 |
| Net interest margin | 3.1904% | 3,511 |
| Noninterest income to average assets | 0.1741% | 4,421 |
| Noninterest expense to average assets | 2.4862% | 2,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7220% | 3,385 |
| Return on assets (ROA) | 0.7321% | 3,445 |
| Pretax return on assets | 0.7321% | 3,822 |
| Return on Equity (ROE) | 7.5550% | 2,987 |
| Retained earnings to average equity (ytd only) | 6.3962% | 1,925 |
| Net charge-offs to loans | -0.0023% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4939% | 1,088 |
| Assets per employee ($millions) | 4.8637% | 3,414 |
| Cash dividends to net income (ytd only)* | 15.3374% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 1,964 |
| Loan loss allowance to noncurrent loans | 139.9645% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 2,333 |
| Noncurrent loans to loans | 0.9628% | 1,563 |
| Net loans and leases to total assets | 47.4447% | 4,243 |
| Net loans and leases to deposits | 53.2407% | 4,367 |
| Net loans and leases to core deposits | 53.9019% | 4,452 |
| Total domestic deposits to total assets | 89.1136% | 722 |
| Equity capital to assets | 9.7375% | 3,484 |
| Core capital (leverage) ratio | 9.5500% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6167% | 1,346 |
| Memoranda: | ||
| Average total assets | $118,734,500 | 3,757 |
| Average earning assets | $112,918,500 | 3,714 |
| Average equity | $11,506,500 | 4,035 |
| Average total loans | $58,741,000 | 3,963 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5937% | 4,267 |
| Cost of funding earning assets | 0.2895% | 4,515 |
| Net interest margin | 3.3042% | 3,375 |
| Noninterest income to average assets | 0.1155% | 4,719 |
| Noninterest expense to average assets | 2.5284% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7268% | 3,294 |
| Return on assets (ROA) | 0.7437% | 3,352 |
| Pretax return on assets | 0.7437% | 3,759 |
| Return on Equity (ROE) | 7.6874% | 2,867 |
| Retained earnings to average equity (ytd only) | 5.9323% | 2,112 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6734% | 1,084 |
| Assets per employee ($millions) | 5.2219% | 2,909 |
| Cash dividends to net income (ytd only)* | 22.8311% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 1,807 |
| Loan loss allowance to noncurrent loans | 138.5563% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 2,506 |
| Noncurrent loans to loans | 0.9697% | 1,595 |
| Net loans and leases to total assets | 46.1113% | 4,362 |
| Net loans and leases to deposits | 51.4169% | 4,464 |
| Net loans and leases to core deposits | 52.0336% | 4,567 |
| Total domestic deposits to total assets | 89.6812% | 499 |
| Equity capital to assets | 9.2607% | 3,868 |
| Core capital (leverage) ratio | 9.5218% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4500% | 1,375 |
| Memoranda: | ||
| Average total assets | $117,782,000 | 3,753 |
| Average earning assets | $111,918,667 | 3,710 |
| Average equity | $11,395,333 | 4,059 |
| Average total loans | $58,829,000 | 3,964 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 4,050 |
| Cost of funding earning assets | 0.3589% | 4,491 |
| Net interest margin | 3.5330% | 2,873 |
| Noninterest income to average assets | -0.0561% | 5,085 |
| Noninterest expense to average assets | 2.6945% | 2,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5999% | 3,592 |
| Return on assets (ROA) | 0.6315% | 3,569 |
| Pretax return on assets | 0.6315% | 3,861 |
| Return on Equity (ROE) | 6.3773% | 3,185 |
| Retained earnings to average equity (ytd only) | 2.8344% | 3,147 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7891% | 989 |
| Assets per employee ($millions) | 4.6551% | 3,059 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 1,889 |
| Loan loss allowance to noncurrent loans | 150.4780% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 2,673 |
| Noncurrent loans to loans | 0.9004% | 1,812 |
| Net loans and leases to total assets | 49.2348% | 4,277 |
| Net loans and leases to deposits | 55.2318% | 4,392 |
| Net loans and leases to core deposits | 55.6751% | 4,507 |
| Total domestic deposits to total assets | 89.1422% | 606 |
| Equity capital to assets | 9.7468% | 3,998 |
| Core capital (leverage) ratio | 9.6289% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5944% | 1,442 |
| Memoranda: | ||
| Average total assets | $114,010,500 | 3,789 |
| Average earning assets | $108,123,000 | 3,748 |
| Average equity | $11,290,000 | 4,092 |
| Average total loans | $58,955,500 | 3,973 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1290% | 3,982 |
| Cost of funding earning assets | 0.4547% | 4,258 |
| Net interest margin | 3.6743% | 2,890 |
| Noninterest income to average assets | 0.4301% | 3,107 |
| Noninterest expense to average assets | 2.7310% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1886% | 2,099 |
| Return on assets (ROA) | 1.2040% | 2,136 |
| Pretax return on assets | 1.2040% | 2,834 |
| Return on Equity (ROE) | 12.3098% | 1,393 |
| Retained earnings to average equity (ytd only) | 6.4657% | 1,626 |
| Net charge-offs to loans | -0.0065% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6759% | 2,224 |
| Assets per employee ($millions) | 4.2940% | 3,517 |
| Cash dividends to net income (ytd only)* | 47.4755% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 1,853 |
| Loan loss allowance to noncurrent loans | 126.3242% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5580% | 2,216 |
| Noncurrent loans to loans | 1.0414% | 1,453 |
| Net loans and leases to total assets | 52.8815% | 4,160 |
| Net loans and leases to deposits | 59.6263% | 4,309 |
| Net loans and leases to core deposits | 60.1304% | 4,433 |
| Total domestic deposits to total assets | 88.6882% | 802 |
| Equity capital to assets | 10.0650% | 3,859 |
| Core capital (leverage) ratio | 10.2224% | 3,272 |
| Tier 1 risk-based capital ratio | 15.2064% | 2,698 |
| Total risk-based capital ratio | 16.2716% | 2,706 |
| Memoranda: | ||
| Average total assets | $110,216,200 | 3,827 |
| Average earning assets | $104,673,600 | 3,796 |
| Average equity | $10,780,000 | 4,148 |
| Average total loans | $61,177,600 | 3,961 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 4,027 |
| Cost of funding earning assets | 0.4689% | 4,265 |
| Net interest margin | 3.6861% | 2,964 |
| Noninterest income to average assets | 0.4248% | 3,180 |
| Noninterest expense to average assets | 2.7343% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1918% | 2,226 |
| Return on assets (ROA) | 1.2124% | 2,225 |
| Pretax return on assets | 1.2124% | 2,945 |
| Return on Equity (ROE) | 12.4883% | 1,449 |
| Retained earnings to average equity (ytd only) | 7.1130% | 1,810 |
| Net charge-offs to loans | -0.0087% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6445% | 2,171 |
| Assets per employee ($millions) | 4.2811% | 3,510 |
| Cash dividends to net income (ytd only)* | 43.0430% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 2,012 |
| Loan loss allowance to noncurrent loans | 142.0578% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 2,460 |
| Noncurrent loans to loans | 0.9081% | 1,761 |
| Net loans and leases to total assets | 56.2647% | 4,029 |
| Net loans and leases to deposits | 63.7150% | 4,192 |
| Net loans and leases to core deposits | 64.2905% | 4,352 |
| Total domestic deposits to total assets | 88.3068% | 912 |
| Equity capital to assets | 10.3777% | 3,657 |
| Core capital (leverage) ratio | 10.1530% | 3,473 |
| Tier 1 risk-based capital ratio | 15.0404% | 2,826 |
| Total risk-based capital ratio | 16.1062% | 2,844 |
| Memoranda: | ||
| Average total assets | $109,859,250 | 3,875 |
| Average earning assets | $104,353,500 | 3,840 |
| Average equity | $10,665,750 | 4,207 |
| Average total loans | $61,515,500 | 3,998 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0983% | 4,167 |
| Cost of funding earning assets | 0.4634% | 4,267 |
| Net interest margin | 3.6349% | 3,146 |
| Noninterest income to average assets | 0.4133% | 3,180 |
| Noninterest expense to average assets | 2.7165% | 2,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1516% | 2,321 |
| Return on assets (ROA) | 1.1660% | 2,350 |
| Pretax return on assets | 1.1660% | 3,023 |
| Return on Equity (ROE) | 12.2829% | 1,482 |
| Retained earnings to average equity (ytd only) | 4.1070% | 3,194 |
| Net charge-offs to loans | 0.0065% | 2,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 319.0000% | 250 |
| Efficiency ratio | 70.2287% | 2,190 |
| Assets per employee ($millions) | 4.2788% | 3,468 |
| Cash dividends to net income (ytd only)* | 66.5635% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 2,109 |
| Loan loss allowance to noncurrent loans | 138.6525% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5070% | 2,518 |
| Noncurrent loans to loans | 0.9210% | 1,779 |
| Net loans and leases to total assets | 54.3408% | 4,188 |
| Net loans and leases to deposits | 60.9639% | 4,378 |
| Net loans and leases to core deposits | 61.4903% | 4,520 |
| Total domestic deposits to total assets | 89.1360% | 613 |
| Equity capital to assets | 9.6676% | 4,257 |
| Core capital (leverage) ratio | 9.7784% | 3,847 |
| Tier 1 risk-based capital ratio | 15.9920% | 2,416 |
| Total risk-based capital ratio | 17.1549% | 2,396 |
| Memoranda: | ||
| Average total assets | $110,803,000 | 3,890 |
| Average earning assets | $105,313,000 | 3,855 |
| Average equity | $10,518,670 | 4,233 |
| Average total loans | $61,685,330 | 4,012 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 4,235 |
| Cost of funding earning assets | 0.4646% | 4,223 |
| Net interest margin | 3.5946% | 3,265 |
| Noninterest income to average assets | 0.3653% | 3,410 |
| Noninterest expense to average assets | 2.7310% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0490% | 2,664 |
| Return on assets (ROA) | 1.0779% | 2,601 |
| Pretax return on assets | 1.0779% | 3,212 |
| Return on Equity (ROE) | 11.4610% | 1,755 |
| Retained earnings to average equity (ytd only) | -5.0767% | 4,930 |
| Net charge-offs to loans | 0.0129% | 2,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 517 |
| Efficiency ratio | 72.2488% | 1,999 |
| Assets per employee ($millions) | 4.2067% | 3,617 |
| Cash dividends to net income (ytd only)* | 144.2953% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,164 |
| Loan loss allowance to noncurrent loans | 135.5286% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 2,521 |
| Noncurrent loans to loans | 0.9474% | 1,767 |
| Net loans and leases to total assets | 54.9674% | 4,138 |
| Net loans and leases to deposits | 61.5693% | 4,326 |
| Net loans and leases to core deposits | 62.1113% | 4,468 |
| Total domestic deposits to total assets | 89.2772% | 736 |
| Equity capital to assets | 9.4648% | 4,292 |
| Core capital (leverage) ratio | 9.5369% | 4,088 |
| Tier 1 risk-based capital ratio | 15.5798% | 2,614 |
| Total risk-based capital ratio | 16.7508% | 2,572 |
| Memoranda: | ||
| Average total assets | $110,580,500 | 3,927 |
| Average earning assets | $105,045,000 | 3,899 |
| Average equity | $10,400,500 | 4,273 |
| Average total loans | $61,910,500 | 4,052 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7829% | 4,528 |
| Cost of funding earning assets | 0.3616% | 4,209 |
| Net interest margin | 3.4213% | 3,938 |
| Noninterest income to average assets | 0.4325% | 3,224 |
| Noninterest expense to average assets | 2.7694% | 2,788 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9257% | 3,344 |
| Return on assets (ROA) | 0.9257% | 3,333 |
| Pretax return on assets | 0.9257% | 3,830 |
| Return on Equity (ROE) | 9.5931% | 2,695 |
| Retained earnings to average equity (ytd only) | 5.6001% | 2,415 |
| Net charge-offs to loans | 0.0052% | 3,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 320.3333% | 317 |
| Efficiency ratio | 74.9479% | 1,503 |
| Assets per employee ($millions) | 4.2995% | 3,463 |
| Cash dividends to net income (ytd only)* | 41.6233% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,321 |
| Loan loss allowance to noncurrent loans | 171.5536% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 2,923 |
| Noncurrent loans to loans | 0.7263% | 2,176 |
| Net loans and leases to total assets | 55.5834% | 4,162 |
| Net loans and leases to deposits | 62.1903% | 4,365 |
| Net loans and leases to core deposits | 62.7271% | 4,505 |
| Total domestic deposits to total assets | 89.3762% | 705 |
| Equity capital to assets | 9.3472% | 4,270 |
| Core capital (leverage) ratio | 9.6041% | 3,998 |
| Tier 1 risk-based capital ratio | 15.3982% | 2,663 |
| Total risk-based capital ratio | 16.5439% | 2,628 |
| Memoranda: | ||
| Average total assets | $103,813,200 | 4,042 |
| Average earning assets | $98,998,000 | 3,992 |
| Average equity | $10,017,600 | 4,294 |
| Average total loans | $58,178,400 | 4,141 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6997% | 4,652 |
| Cost of funding earning assets | 0.3279% | 4,323 |
| Net interest margin | 3.3718% | 4,098 |
| Noninterest income to average assets | 0.4400% | 3,235 |
| Noninterest expense to average assets | 2.7486% | 2,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9101% | 3,482 |
| Return on assets (ROA) | 0.9101% | 3,488 |
| Pretax return on assets | 0.9101% | 3,989 |
| Return on Equity (ROE) | 9.3508% | 2,933 |
| Retained earnings to average equity (ytd only) | 3.9690% | 3,788 |
| Net charge-offs to loans | 0.0070% | 3,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 231.6600% | 396 |
| Efficiency ratio | 75.1253% | 1,445 |
| Assets per employee ($millions) | 4.2684% | 3,481 |
| Cash dividends to net income (ytd only)* | 57.5542% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 1,669 |
| Loan loss allowance to noncurrent loans | 127.0665% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 2,447 |
| Noncurrent loans to loans | 1.1072% | 1,539 |
| Net loans and leases to total assets | 51.4853% | 4,502 |
| Net loans and leases to deposits | 57.7647% | 4,658 |
| Net loans and leases to core deposits | 58.2998% | 4,771 |
| Total domestic deposits to total assets | 89.1294% | 800 |
| Equity capital to assets | 9.5108% | 4,072 |
| Core capital (leverage) ratio | 10.0844% | 3,542 |
| Tier 1 risk-based capital ratio | 16.5758% | 2,252 |
| Total risk-based capital ratio | 17.8265% | 2,193 |
| Memoranda: | ||
| Average total assets | $101,819,750 | 4,111 |
| Average earning assets | $97,195,000 | 4,058 |
| Average equity | $9,909,750 | 4,354 |
| Average total loans | $56,993,250 | 4,209 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6982% | 4,588 |
| Cost of funding earning assets | 0.3111% | 4,339 |
| Net interest margin | 3.3871% | 3,994 |
| Noninterest income to average assets | 0.4691% | 3,040 |
| Noninterest expense to average assets | 2.7827% | 2,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9242% | 3,347 |
| Return on assets (ROA) | 0.9242% | 3,347 |
| Pretax return on assets | 0.9242% | 3,894 |
| Return on Equity (ROE) | 9.4201% | 2,845 |
| Retained earnings to average equity (ytd only) | 1.2818% | 4,696 |
| Net charge-offs to loans | 0.0104% | 2,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 154.3333% | 509 |
| Efficiency ratio | 75.0673% | 1,550 |
| Assets per employee ($millions) | 4.0078% | 3,882 |
| Cash dividends to net income (ytd only)* | 86.3931% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 1,662 |
| Loan loss allowance to noncurrent loans | 160.9856% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4860% | 2,812 |
| Noncurrent loans to loans | 0.8855% | 1,955 |
| Net loans and leases to total assets | 54.1060% | 4,330 |
| Net loans and leases to deposits | 60.4417% | 4,506 |
| Net loans and leases to core deposits | 61.0379% | 4,652 |
| Total domestic deposits to total assets | 89.5175% | 732 |
| Equity capital to assets | 9.8986% | 3,722 |
| Core capital (leverage) ratio | 10.1406% | 3,437 |
| Tier 1 risk-based capital ratio | 16.9035% | 2,129 |
| Total risk-based capital ratio | 18.1546% | 2,073 |
| Memoranda: | ||
| Average total assets | $100,189,670 | 4,172 |
| Average earning assets | $95,776,000 | 4,117 |
| Average equity | $9,830,000 | 4,400 |
| Average total loans | $57,416,330 | 4,231 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6139% | 4,673 |
| Cost of funding earning assets | 0.2883% | 4,432 |
| Net interest margin | 3.3256% | 4,117 |
| Noninterest income to average assets | 0.4791% | 2,943 |
| Noninterest expense to average assets | 2.7708% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8863% | 3,351 |
| Return on assets (ROA) | 0.8863% | 3,363 |
| Pretax return on assets | 0.8863% | 3,889 |
| Return on Equity (ROE) | 9.0742% | 2,877 |
| Retained earnings to average equity (ytd only) | -7.2757% | 5,289 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7642% | 1,626 |
| Assets per employee ($millions) | 3.8222% | 4,257 |
| Cash dividends to net income (ytd only)* | 180.1802% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 2,140 |
| Loan loss allowance to noncurrent loans | 904.5977% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 4,653 |
| Noncurrent loans to loans | 0.1461% | 4,313 |
| Net loans and leases to total assets | 59.1237% | 3,839 |
| Net loans and leases to deposits | 65.9698% | 4,088 |
| Net loans and leases to core deposits | 66.8289% | 4,264 |
| Total domestic deposits to total assets | 89.6225% | 827 |
| Equity capital to assets | 9.7345% | 3,853 |
| Core capital (leverage) ratio | 9.9734% | 3,562 |
| Tier 1 risk-based capital ratio | 15.5199% | 2,659 |
| Total risk-based capital ratio | 16.7665% | 2,598 |
| Memoranda: | ||
| Average total assets | $100,186,500 | 4,215 |
| Average earning assets | $95,741,000 | 4,162 |
| Average equity | $9,786,000 | 4,458 |
| Average total loans | $58,626,500 | 4,232 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4965% | 4,791 |
| Cost of funding earning assets | 0.2668% | 4,423 |
| Net interest margin | 3.2298% | 4,359 |
| Noninterest income to average assets | 0.4251% | 3,474 |
| Noninterest expense to average assets | 2.6935% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8221% | 3,069 |
| Return on assets (ROA) | 0.8221% | 3,111 |
| Pretax return on assets | 0.8221% | 4,194 |
| Return on Equity (ROE) | 8.5139% | 2,534 |
| Retained earnings to average equity (ytd only) | 5.9119% | 1,588 |
| Net charge-offs to loans | 0.0244% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 58.4286% | 969 |
| Efficiency ratio | 76.6152% | 1,532 |
| Assets per employee ($millions) | 3.8844% | 4,140 |
| Cash dividends to net income (ytd only)* | 30.5623% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 1,917 |
| Loan loss allowance to noncurrent loans | 884.2697% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 4,683 |
| Noncurrent loans to loans | 0.1542% | 4,314 |
| Net loans and leases to total assets | 56.3622% | 4,154 |
| Net loans and leases to deposits | 62.9387% | 4,381 |
| Net loans and leases to core deposits | 63.5692% | 4,560 |
| Total domestic deposits to total assets | 89.5510% | 749 |
| Equity capital to assets | 9.8005% | 3,917 |
| Core capital (leverage) ratio | 9.8941% | 3,590 |
| Tier 1 risk-based capital ratio | 16.2375% | 2,351 |
| Total risk-based capital ratio | 17.4875% | 2,288 |
| Memoranda: | ||
| Average total assets | $99,499,200 | 4,248 |
| Average earning assets | $95,208,400 | 4,173 |
| Average equity | $9,607,800 | 4,509 |
| Average total loans | $57,391,800 | 4,258 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 4,846 |
| Cost of funding earning assets | 0.2628% | 4,457 |
| Net interest margin | 3.2142% | 4,414 |
| Noninterest income to average assets | 0.4237% | 3,529 |
| Noninterest expense to average assets | 2.6713% | 3,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8286% | 3,397 |
| Return on assets (ROA) | 0.8286% | 3,430 |
| Pretax return on assets | 0.8286% | 4,273 |
| Return on Equity (ROE) | 8.6134% | 2,805 |
| Retained earnings to average equity (ytd only) | 5.1177% | 2,803 |
| Net charge-offs to loans | 0.0233% | 2,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 61.6137% | 977 |
| Efficiency ratio | 76.3259% | 1,537 |
| Assets per employee ($millions) | 3.9661% | 4,048 |
| Cash dividends to net income (ytd only)* | 40.5852% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 1,776 |
| Loan loss allowance to noncurrent loans | 839.3617% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 4,766 |
| Noncurrent loans to loans | 0.1704% | 4,383 |
| Net loans and leases to total assets | 54.8289% | 4,335 |
| Net loans and leases to deposits | 61.3423% | 4,565 |
| Net loans and leases to core deposits | 61.9808% | 4,710 |
| Total domestic deposits to total assets | 89.3820% | 708 |
| Equity capital to assets | 9.8324% | 4,103 |
| Core capital (leverage) ratio | 9.8233% | 3,792 |
| Tier 1 risk-based capital ratio | 16.4567% | 2,337 |
| Total risk-based capital ratio | 17.7079% | 2,285 |
| Memoranda: | ||
| Average total assets | $99,125,250 | 4,296 |
| Average earning assets | $94,869,250 | 4,222 |
| Average equity | $9,535,250 | 4,568 |
| Average total loans | $57,312,250 | 4,301 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4307% | 4,914 |
| Cost of funding earning assets | 0.2466% | 4,571 |
| Net interest margin | 3.1842% | 4,464 |
| Noninterest income to average assets | 0.4197% | 3,570 |
| Noninterest expense to average assets | 2.6656% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8031% | 3,388 |
| Return on assets (ROA) | 0.8031% | 3,446 |
| Pretax return on assets | 0.8031% | 4,264 |
| Return on Equity (ROE) | 8.4108% | 2,821 |
| Retained earnings to average equity (ytd only) | 3.1276% | 3,849 |
| Net charge-offs to loans | -0.0034% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8470% | 1,602 |
| Assets per employee ($millions) | 3.9347% | 4,078 |
| Cash dividends to net income (ytd only)* | 62.8141% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 1,994 |
| Loan loss allowance to noncurrent loans | 374.2991% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 4,285 |
| Noncurrent loans to loans | 0.3711% | 3,697 |
| Net loans and leases to total assets | 57.8141% | 4,060 |
| Net loans and leases to deposits | 64.5062% | 4,340 |
| Net loans and leases to core deposits | 64.9883% | 4,538 |
| Total domestic deposits to total assets | 89.6256% | 671 |
| Equity capital to assets | 9.6882% | 4,239 |
| Core capital (leverage) ratio | 9.8720% | 3,689 |
| Tier 1 risk-based capital ratio | 15.6959% | 2,618 |
| Total risk-based capital ratio | 16.9459% | 2,558 |
| Memoranda: | ||
| Average total assets | $99,116,330 | 4,323 |
| Average earning assets | $94,907,000 | 4,251 |
| Average equity | $9,464,000 | 4,598 |
| Average total loans | $58,032,000 | 4,311 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3714% | 4,991 |
| Cost of funding earning assets | 0.2390% | 4,644 |
| Net interest margin | 3.1324% | 4,553 |
| Noninterest income to average assets | 0.3779% | 3,824 |
| Noninterest expense to average assets | 2.6656% | 3,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7156% | 3,636 |
| Return on assets (ROA) | 0.7156% | 3,675 |
| Pretax return on assets | 0.7156% | 4,398 |
| Return on Equity (ROE) | 7.5496% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.5496% | 1,632 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8347% | 1,512 |
| Assets per employee ($millions) | 3.8806% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 2,202 |
| Loan loss allowance to noncurrent loans | 40,000.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,376 |
| Noncurrent loans to loans | 0.0034% | 5,260 |
| Net loans and leases to total assets | 59.2898% | 3,859 |
| Net loans and leases to deposits | 66.2627% | 4,149 |
| Net loans and leases to core deposits | 66.7696% | 4,379 |
| Total domestic deposits to total assets | 89.4769% | 905 |
| Equity capital to assets | 9.8191% | 3,955 |
| Core capital (leverage) ratio | 9.7761% | 3,781 |
| Tier 1 risk-based capital ratio | 15.6182% | 2,705 |
| Total risk-based capital ratio | 16.8695% | 2,643 |
| Memoranda: | ||
| Average total assets | $99,491,000 | 4,359 |
| Average earning assets | $95,390,500 | 4,284 |
| Average equity | $9,431,000 | 4,637 |
| Average total loans | $58,212,500 | 4,341 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3510% | 5,077 |
| Cost of funding earning assets | 0.2467% | 4,597 |
| Net interest margin | 3.1043% | 4,715 |
| Noninterest income to average assets | 0.4437% | 3,585 |
| Noninterest expense to average assets | 2.6621% | 3,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7492% | 3,537 |
| Return on assets (ROA) | 0.7492% | 3,661 |
| Pretax return on assets | 0.7492% | 4,347 |
| Return on Equity (ROE) | 7.8551% | 3,024 |
| Retained earnings to average equity (ytd only) | 6.2209% | 1,597 |
| Net charge-offs to loans | 0.1210% | 2,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 10.4493% | 2,639 |
| Efficiency ratio | 78.0384% | 1,691 |
| Assets per employee ($millions) | 4.0787% | 3,831 |
| Cash dividends to net income (ytd only)* | 20.8044% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 2,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 56.1996% | 4,248 |
| Net loans and leases to deposits | 64.3298% | 4,384 |
| Net loans and leases to core deposits | 65.5536% | 4,551 |
| Total domestic deposits to total assets | 87.3616% | 1,949 |
| Equity capital to assets | 9.1559% | 4,639 |
| Core capital (leverage) ratio | 9.3869% | 4,237 |
| Tier 1 risk-based capital ratio | 15.3550% | 2,817 |
| Total risk-based capital ratio | 16.6052% | 2,744 |
| Memoranda: | ||
| Average total assets | $96,240,800 | 4,423 |
| Average earning assets | $92,001,400 | 4,350 |
| Average equity | $9,178,800 | 4,720 |
| Average total loans | $57,006,200 | 4,379 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3734% | 5,075 |
| Cost of funding earning assets | 0.2488% | 4,612 |
| Net interest margin | 3.1245% | 4,708 |
| Noninterest income to average assets | 0.4430% | 3,606 |
| Noninterest expense to average assets | 2.6706% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7566% | 3,579 |
| Return on assets (ROA) | 0.7566% | 3,706 |
| Pretax return on assets | 0.7566% | 4,451 |
| Return on Equity (ROE) | 7.8486% | 3,085 |
| Retained earnings to average equity (ytd only) | 7.8486% | 1,230 |
| Net charge-offs to loans | 0.1622% | 1,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.7970% | 2,840 |
| Efficiency ratio | 77.9237% | 1,696 |
| Assets per employee ($millions) | 3.6298% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 2,170 |
| Loan loss allowance to noncurrent loans | 1,860.4651% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 5,289 |
| Noncurrent loans to loans | 0.0756% | 5,046 |
| Net loans and leases to total assets | 59.4151% | 3,952 |
| Net loans and leases to deposits | 66.6504% | 4,285 |
| Net loans and leases to core deposits | 67.1951% | 4,535 |
| Total domestic deposits to total assets | 89.1444% | 827 |
| Equity capital to assets | 10.0016% | 4,123 |
| Core capital (leverage) ratio | 9.7975% | 3,810 |
| Tier 1 risk-based capital ratio | 15.7374% | 2,732 |
| Total risk-based capital ratio | 16.9882% | 2,668 |
| Memoranda: | ||
| Average total assets | $94,809,250 | 4,486 |
| Average earning assets | $90,550,000 | 4,406 |
| Average equity | $9,139,500 | 4,779 |
| Average total loans | $56,731,500 | 4,419 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3648% | 5,155 |
| Cost of funding earning assets | 0.2515% | 4,646 |
| Net interest margin | 3.1133% | 4,793 |
| Noninterest income to average assets | 0.4213% | 3,728 |
| Noninterest expense to average assets | 2.6223% | 3,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7709% | 3,441 |
| Return on assets (ROA) | 0.7709% | 3,590 |
| Pretax return on assets | 0.7709% | 4,387 |
| Return on Equity (ROE) | 8.0976% | 2,939 |
| Retained earnings to average equity (ytd only) | 8.0976% | 1,144 |
| Net charge-offs to loans | 0.2329% | 1,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.5455% | 2,843 |
| Efficiency ratio | 77.2812% | 1,889 |
| Assets per employee ($millions) | 3.9803% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 2,314 |
| Loan loss allowance to noncurrent loans | 1,003.7500% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 4,282 |
| Noncurrent loans to loans | 0.1391% | 4,878 |
| Net loans and leases to total assets | 59.3723% | 3,968 |
| Net loans and leases to deposits | 66.3314% | 4,324 |
| Net loans and leases to core deposits | 66.8687% | 4,551 |
| Total domestic deposits to total assets | 89.5086% | 677 |
| Equity capital to assets | 9.7251% | 4,537 |
| Core capital (leverage) ratio | 9.6484% | 4,002 |
| Tier 1 risk-based capital ratio | 15.1537% | 3,004 |
| Total risk-based capital ratio | 16.4051% | 2,938 |
| Memoranda: | ||
| Average total assets | $94,954,000 | 4,518 |
| Average earning assets | $90,644,670 | 4,443 |
| Average equity | $9,039,670 | 4,833 |
| Average total loans | $56,684,330 | 4,447 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3044% | 5,317 |
| Cost of funding earning assets | 0.2566% | 4,635 |
| Net interest margin | 3.0479% | 5,005 |
| Noninterest income to average assets | 0.4099% | 3,753 |
| Noninterest expense to average assets | 2.6450% | 3,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6760% | 3,841 |
| Return on assets (ROA) | 0.6760% | 3,959 |
| Pretax return on assets | 0.6760% | 4,603 |
| Return on Equity (ROE) | 7.1793% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.1793% | 1,802 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6438% | 1,652 |
| Assets per employee ($millions) | 4.0796% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,983 |
| Loan loss allowance to noncurrent loans | 143.1631% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.6469% | 3,116 |
| Noncurrent loans to loans | 1.0483% | 2,297 |
| Net loans and leases to total assets | 60.7859% | 3,679 |
| Net loans and leases to deposits | 67.8830% | 4,072 |
| Net loans and leases to core deposits | 68.4459% | 4,357 |
| Total domestic deposits to total assets | 89.5450% | 817 |
| Equity capital to assets | 9.6269% | 4,538 |
| Core capital (leverage) ratio | 9.5871% | 4,049 |
| Tier 1 risk-based capital ratio | 14.6572% | 3,307 |
| Total risk-based capital ratio | 15.9099% | 3,249 |
| Memoranda: | ||
| Average total assets | $94,668,000 | 4,563 |
| Average earning assets | $90,424,000 | 4,490 |
| Average equity | $8,914,500 | 4,882 |
| Average total loans | $56,267,000 | 4,492 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2726% | 5,392 |
| Cost of funding earning assets | 0.3163% | 4,072 |
| Net interest margin | 2.9563% | 5,231 |
| Noninterest income to average assets | 0.4089% | 3,965 |
| Noninterest expense to average assets | 2.4733% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7920% | 3,368 |
| Return on assets (ROA) | 0.8013% | 3,419 |
| Pretax return on assets | 0.7702% | 4,301 |
| Return on Equity (ROE) | 8.8191% | 2,548 |
| Retained earnings to average equity (ytd only) | 4.2614% | 2,948 |
| Net charge-offs to loans | -0.0018% | 4,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4725% | 2,196 |
| Assets per employee ($millions) | 4.1524% | 3,656 |
| Cash dividends to net income (ytd only)* | 51.6796% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 1,643 |
| Loan loss allowance to noncurrent loans | 339.4531% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 4,523 |
| Noncurrent loans to loans | 0.4686% | 3,786 |
| Net loans and leases to total assets | 56.2902% | 4,274 |
| Net loans and leases to deposits | 62.5531% | 4,590 |
| Net loans and leases to core deposits | 63.0416% | 4,796 |
| Total domestic deposits to total assets | 89.9880% | 638 |
| Equity capital to assets | 9.2100% | 4,889 |
| Core capital (leverage) ratio | 9.1082% | 4,742 |
| Tier 1 risk-based capital ratio | 15.2321% | 3,063 |
| Total risk-based capital ratio | 16.4854% | 2,998 |
| Memoranda: | ||
| Average total assets | $96,593,000 | 4,525 |
| Average earning assets | $92,312,200 | 4,465 |
| Average equity | $8,776,400 | 4,898 |
| Average total loans | $56,633,800 | 4,478 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2704% | 5,459 |
| Cost of funding earning assets | 0.3283% | 4,008 |
| Net interest margin | 2.9420% | 5,327 |
| Noninterest income to average assets | 0.4157% | 3,965 |
| Noninterest expense to average assets | 2.4363% | 4,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8328% | 3,269 |
| Return on assets (ROA) | 0.8451% | 3,278 |
| Pretax return on assets | 0.8039% | 4,331 |
| Return on Equity (ROE) | 9.3331% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.3331% | 782 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4797% | 2,323 |
| Assets per employee ($millions) | 4.3739% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 1,984 |
| Loan loss allowance to noncurrent loans | 440.6091% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 4,936 |
| Noncurrent loans to loans | 0.3507% | 4,358 |
| Net loans and leases to total assets | 57.4830% | 4,203 |
| Net loans and leases to deposits | 64.8392% | 4,482 |
| Net loans and leases to core deposits | 65.5841% | 4,721 |
| Total domestic deposits to total assets | 88.6547% | 1,202 |
| Equity capital to assets | 9.4528% | 4,807 |
| Core capital (leverage) ratio | 9.3607% | 4,500 |
| Tier 1 risk-based capital ratio | 15.0718% | 3,261 |
| Total risk-based capital ratio | 16.3246% | 3,197 |
| Memoranda: | ||
| Average total assets | $96,865,000 | 4,569 |
| Average earning assets | $92,586,500 | 4,508 |
| Average equity | $8,771,500 | 4,961 |
| Average total loans | $57,135,000 | 4,501 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2663% | 5,504 |
| Cost of funding earning assets | 0.3296% | 4,055 |
| Net interest margin | 2.9366% | 5,371 |
| Noninterest income to average assets | 0.3894% | 4,161 |
| Noninterest expense to average assets | 2.4207% | 4,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8385% | 3,178 |
| Return on assets (ROA) | 0.8385% | 3,292 |
| Pretax return on assets | 0.7767% | 4,398 |
| Return on Equity (ROE) | 9.3959% | 2,338 |
| Retained earnings to average equity (ytd only) | 9.3959% | 803 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7088% | 2,411 |
| Assets per employee ($millions) | 4.2430% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 2,151 |
| Loan loss allowance to noncurrent loans | 440.6091% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 5,064 |
| Noncurrent loans to loans | 0.3476% | 4,448 |
| Net loans and leases to total assets | 57.1812% | 4,197 |
| Net loans and leases to deposits | 64.1712% | 4,514 |
| Net loans and leases to core deposits | 64.8981% | 4,742 |
| Total domestic deposits to total assets | 89.1073% | 1,092 |
| Equity capital to assets | 9.0769% | 5,166 |
| Core capital (leverage) ratio | 9.0946% | 4,825 |
| Tier 1 risk-based capital ratio | 14.5694% | 3,595 |
| Total risk-based capital ratio | 15.8219% | 3,524 |
| Memoranda: | ||
| Average total assets | $97,078,330 | 4,611 |
| Average earning assets | $92,827,670 | 4,538 |
| Average equity | $8,663,330 | 5,022 |
| Average total loans | $57,453,000 | 4,526 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2118% | 5,629 |
| Cost of funding earning assets | 0.3285% | 4,116 |
| Net interest margin | 2.8833% | 5,488 |
| Noninterest income to average assets | 0.3966% | 4,029 |
| Noninterest expense to average assets | 2.4787% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7973% | 3,275 |
| Return on assets (ROA) | 0.7973% | 3,401 |
| Pretax return on assets | 0.6734% | 4,679 |
| Return on Equity (ROE) | 9.0124% | 2,439 |
| Retained earnings to average equity (ytd only) | 9.0124% | 1,186 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6370% | 2,097 |
| Assets per employee ($millions) | 4.1997% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 2,478 |
| Loan loss allowance to noncurrent loans | 440.6091% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 5,141 |
| Noncurrent loans to loans | 0.3385% | 4,574 |
| Net loans and leases to total assets | 59.3525% | 3,749 |
| Net loans and leases to deposits | 66.5579% | 4,099 |
| Net loans and leases to core deposits | 67.5619% | 4,374 |
| Total domestic deposits to total assets | 89.1743% | 1,157 |
| Equity capital to assets | 9.0047% | 5,287 |
| Core capital (leverage) ratio | 8.9271% | 5,044 |
| Tier 1 risk-based capital ratio | 13.8298% | 4,131 |
| Total risk-based capital ratio | 15.0814% | 4,054 |
| Memoranda: | ||
| Average total assets | $96,823,500 | 4,650 |
| Average earning assets | $92,533,500 | 4,583 |
| Average equity | $8,566,000 | 5,083 |
| Average total loans | $57,844,500 | 4,547 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2611% | 5,760 |
| Cost of funding earning assets | 0.3544% | 4,208 |
| Net interest margin | 2.9068% | 5,633 |
| Noninterest income to average assets | 0.3894% | 4,267 |
| Noninterest expense to average assets | 2.6888% | 3,909 |
| Loan and lease loss provision to assets | -0.1509% | 6,233 |
| Net operating income to assets | -0.0523% | 6,126 |
| Return on assets (ROA) | -0.0523% | 6,134 |
| Pretax return on assets | 0.6169% | 4,887 |
| Return on Equity (ROE) | -0.5400% | 6,138 |
| Retained earnings to average equity (ytd only) | -14.0403% | 6,375 |
| Net charge-offs to loans | 0.0053% | 4,834 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,058 |
| Earnings coverage of net charge-offs (x) | 154.3333% | 351 |
| Efficiency ratio | 85.2313% | 1,260 |
| Assets per employee ($millions) | 4.2197% | 3,504 |
| Cash dividends to net income (ytd only)* | -2,500.0000% | 6,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 2,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 58.3413% | 4,010 |
| Net loans and leases to deposits | 65.3894% | 4,387 |
| Net loans and leases to core deposits | 66.3744% | 4,643 |
| Total domestic deposits to total assets | 89.2214% | 1,106 |
| Equity capital to assets | 8.6901% | 5,583 |
| Core capital (leverage) ratio | 8.7536% | 5,291 |
| Tier 1 risk-based capital ratio | 13.3614% | 4,495 |
| Total risk-based capital ratio | 14.6125% | 4,430 |
| Memoranda: | ||
| Average total assets | $99,375,200 | 4,616 |
| Average earning assets | $94,538,400 | 4,541 |
| Average equity | $9,629,400 | 4,833 |
| Average total loans | $56,811,400 | 4,587 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2503% | 5,841 |
| Cost of funding earning assets | 0.3593% | 4,241 |
| Net interest margin | 2.8911% | 5,718 |
| Noninterest income to average assets | 0.3922% | 4,309 |
| Noninterest expense to average assets | 2.5184% | 4,467 |
| Loan and lease loss provision to assets | -0.1334% | 6,331 |
| Net operating income to assets | 0.4855% | 4,922 |
| Return on assets (ROA) | 0.4855% | 4,992 |
| Pretax return on assets | 0.7550% | 4,516 |
| Return on Equity (ROE) | 4.8883% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.8883% | 3,164 |
| Net charge-offs to loans | 0.0023% | 4,636 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,075 |
| Earnings coverage of net charge-offs (x) | 467.1579% | 162 |
| Efficiency ratio | 80.2039% | 1,880 |
| Assets per employee ($millions) | 4.0100% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 2,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 58.3724% | 4,021 |
| Net loans and leases to deposits | 66.8265% | 4,252 |
| Net loans and leases to core deposits | 67.8425% | 4,521 |
| Total domestic deposits to total assets | 87.3492% | 2,122 |
| Equity capital to assets | 10.5155% | 3,535 |
| Core capital (leverage) ratio | 10.0996% | 3,531 |
| Tier 1 risk-based capital ratio | 15.7177% | 3,201 |
| Total risk-based capital ratio | 16.9697% | 3,142 |
| Memoranda: | ||
| Average total assets | $99,955,750 | 4,641 |
| Average earning assets | $95,002,750 | 4,575 |
| Average equity | $9,928,250 | 4,804 |
| Average total loans | $56,641,750 | 4,640 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1648% | 5,990 |
| Cost of funding earning assets | 0.3553% | 4,374 |
| Net interest margin | 2.8094% | 5,884 |
| Noninterest income to average assets | 0.3854% | 4,361 |
| Noninterest expense to average assets | 2.4567% | 4,711 |
| Loan and lease loss provision to assets | -0.0988% | 6,372 |
| Net operating income to assets | 0.4526% | 5,001 |
| Return on assets (ROA) | 0.4526% | 5,081 |
| Pretax return on assets | 0.6996% | 4,640 |
| Return on Equity (ROE) | 4.6430% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.6430% | 3,196 |
| Net charge-offs to loans | 0.0035% | 4,264 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,909 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 228 |
| Efficiency ratio | 80.3491% | 1,972 |
| Assets per employee ($millions) | 4.2194% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6725% | 2,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 56.3146% | 4,241 |
| Net loans and leases to deposits | 63.9237% | 4,512 |
| Net loans and leases to core deposits | 66.4170% | 4,603 |
| Total domestic deposits to total assets | 88.0966% | 1,851 |
| Equity capital to assets | 9.8988% | 4,248 |
| Core capital (leverage) ratio | 9.8429% | 3,826 |
| Tier 1 risk-based capital ratio | 15.2069% | 3,524 |
| Total risk-based capital ratio | 16.4592% | 3,469 |
| Memoranda: | ||
| Average total assets | $101,194,670 | 4,656 |
| Average earning assets | $96,247,000 | 4,572 |
| Average equity | $9,864,330 | 4,835 |
| Average total loans | $56,490,000 | 4,673 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1812% | 6,032 |
| Cost of funding earning assets | 0.3618% | 4,419 |
| Net interest margin | 2.8194% | 5,898 |
| Noninterest income to average assets | 0.3875% | 4,294 |
| Noninterest expense to average assets | 2.4476% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3994% | 5,117 |
| Return on assets (ROA) | 0.3994% | 5,189 |
| Pretax return on assets | 0.6208% | 4,765 |
| Return on Equity (ROE) | 4.1290% | 4,976 |
| Retained earnings to average equity (ytd only) | 4.1290% | 3,654 |
| Net charge-offs to loans | 0.0072% | 3,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 314 |
| Efficiency ratio | 79.7680% | 2,242 |
| Assets per employee ($millions) | 3.8380% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8269% | 1,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 54.9279% | 4,291 |
| Net loans and leases to deposits | 62.2708% | 4,517 |
| Net loans and leases to core deposits | 65.7266% | 4,511 |
| Total domestic deposits to total assets | 88.2081% | 2,105 |
| Equity capital to assets | 9.8698% | 3,992 |
| Core capital (leverage) ratio | 9.6202% | 4,107 |
| Tier 1 risk-based capital ratio | 15.7569% | 3,297 |
| Total risk-based capital ratio | 17.0126% | 3,259 |
| Memoranda: | ||
| Average total assets | $101,159,500 | 4,705 |
| Average earning assets | $96,190,000 | 4,620 |
| Average equity | $9,784,500 | 4,876 |
| Average total loans | $55,736,500 | 4,736 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2179% | 6,117 |
| Cost of funding earning assets | 0.4117% | 4,522 |
| Net interest margin | 2.8062% | 5,969 |
| Noninterest income to average assets | 0.4471% | 4,102 |
| Noninterest expense to average assets | 2.4322% | 4,981 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4491% | 4,960 |
| Return on assets (ROA) | 0.4491% | 5,087 |
| Pretax return on assets | 0.6701% | 4,635 |
| Return on Equity (ROE) | 4.6572% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.6572% | 2,845 |
| Net charge-offs to loans | -0.0128% | 6,061 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3995% | 2,402 |
| Assets per employee ($millions) | 4.1012% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8350% | 1,959 |
| Loan loss allowance to noncurrent loans | 178.1850% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 4,552 |
| Noncurrent loans to loans | 1.0298% | 3,456 |
| Net loans and leases to total assets | 53.2722% | 4,686 |
| Net loans and leases to deposits | 60.0926% | 4,930 |
| Net loans and leases to core deposits | 63.4666% | 4,925 |
| Total domestic deposits to total assets | 88.6502% | 1,828 |
| Equity capital to assets | 9.4802% | 4,451 |
| Core capital (leverage) ratio | 9.4571% | 4,325 |
| Tier 1 risk-based capital ratio | 15.3946% | 3,432 |
| Total risk-based capital ratio | 16.6496% | 3,378 |
| Memoranda: | ||
| Average total assets | $99,088,800 | 4,761 |
| Average earning assets | $93,756,000 | 4,685 |
| Average equity | $9,555,200 | 4,956 |
| Average total loans | $54,726,800 | 4,789 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2483% | 6,137 |
| Cost of funding earning assets | 0.4238% | 4,570 |
| Net interest margin | 2.8245% | 5,974 |
| Noninterest income to average assets | 0.4615% | 4,066 |
| Noninterest expense to average assets | 2.5016% | 4,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4248% | 5,139 |
| Return on assets (ROA) | 0.4248% | 5,284 |
| Pretax return on assets | 0.6285% | 4,916 |
| Return on Equity (ROE) | 4.3864% | 5,034 |
| Retained earnings to average equity (ytd only) | 4.3864% | 3,554 |
| Net charge-offs to loans | -0.0171% | 6,010 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9219% | 2,108 |
| Assets per employee ($millions) | 3.9334% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8201% | 2,238 |
| Loan loss allowance to noncurrent loans | 200.5894% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 4,891 |
| Noncurrent loans to loans | 0.9074% | 4,005 |
| Net loans and leases to total assets | 56.0065% | 4,323 |
| Net loans and leases to deposits | 63.5489% | 4,563 |
| Net loans and leases to core deposits | 65.1540% | 4,787 |
| Total domestic deposits to total assets | 88.1314% | 2,037 |
| Equity capital to assets | 9.7381% | 4,254 |
| Core capital (leverage) ratio | 9.2276% | 4,791 |
| Tier 1 risk-based capital ratio | 14.7213% | 3,933 |
| Total risk-based capital ratio | 15.9754% | 3,896 |
| Memoranda: | ||
| Average total assets | $98,228,500 | 4,828 |
| Average earning assets | $92,805,750 | 4,755 |
| Average equity | $9,514,000 | 5,029 |
| Average total loans | $54,498,250 | 4,839 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2180% | 6,206 |
| Cost of funding earning assets | 0.4292% | 4,669 |
| Net interest margin | 2.7888% | 6,028 |
| Noninterest income to average assets | 0.4848% | 3,933 |
| Noninterest expense to average assets | 2.5379% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3931% | 5,239 |
| Return on assets (ROA) | 0.3931% | 5,404 |
| Pretax return on assets | 0.5805% | 5,095 |
| Return on Equity (ROE) | 4.0660% | 5,194 |
| Retained earnings to average equity (ytd only) | 4.0660% | 3,709 |
| Net charge-offs to loans | -0.0334% | 6,126 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3847% | 1,980 |
| Assets per employee ($millions) | 4.0674% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8591% | 2,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 53.1096% | 4,721 |
| Net loans and leases to deposits | 59.8519% | 4,993 |
| Net loans and leases to core deposits | 61.3052% | 5,154 |
| Total domestic deposits to total assets | 88.7349% | 1,761 |
| Equity capital to assets | 9.2992% | 4,860 |
| Core capital (leverage) ratio | 9.1543% | 4,750 |
| Tier 1 risk-based capital ratio | 14.6680% | 3,990 |
| Total risk-based capital ratio | 15.9227% | 3,948 |
| Memoranda: | ||
| Average total assets | $98,193,000 | 4,861 |
| Average earning assets | $92,728,670 | 4,783 |
| Average equity | $9,493,330 | 5,058 |
| Average total loans | $53,966,000 | 4,884 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2861% | 6,176 |
| Cost of funding earning assets | 0.4443% | 4,656 |
| Net interest margin | 2.8418% | 5,937 |
| Noninterest income to average assets | 0.5557% | 3,398 |
| Noninterest expense to average assets | 2.6958% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3650% | 5,282 |
| Return on assets (ROA) | 0.3650% | 5,418 |
| Pretax return on assets | 0.5392% | 5,150 |
| Return on Equity (ROE) | 3.7006% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.7006% | 4,007 |
| Net charge-offs to loans | -0.0449% | 6,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 1,849 |
| Assets per employee ($millions) | 3.9847% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9686% | 2,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 50.9883% | 4,845 |
| Net loans and leases to deposits | 57.6603% | 5,079 |
| Net loans and leases to core deposits | 58.6897% | 5,271 |
| Total domestic deposits to total assets | 88.4287% | 2,048 |
| Equity capital to assets | 9.5877% | 4,727 |
| Core capital (leverage) ratio | 9.2842% | 4,428 |
| Tier 1 risk-based capital ratio | 15.4898% | 3,532 |
| Total risk-based capital ratio | 16.7461% | 3,488 |
| Memoranda: | ||
| Average total assets | $96,446,500 | 4,943 |
| Average earning assets | $90,927,500 | 4,869 |
| Average equity | $9,512,000 | 5,107 |
| Average total loans | $53,435,000 | 4,935 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6408% | 6,144 |
| Cost of funding earning assets | 0.6015% | 4,343 |
| Net interest margin | 3.0394% | 5,956 |
| Noninterest income to average assets | 0.5511% | 3,568 |
| Noninterest expense to average assets | 2.8199% | 3,948 |
| Loan and lease loss provision to assets | -0.2783% | 7,007 |
| Net operating income to assets | 0.5741% | 4,366 |
| Return on assets (ROA) | 0.5689% | 4,645 |
| Pretax return on assets | 0.8483% | 4,116 |
| Return on Equity (ROE) | 5.5527% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.5527% | 2,347 |
| Net charge-offs to loans | -0.2943% | 6,977 |
| Credit loss provision to net charge-offs | 159.2357% | 1,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9948% | 1,746 |
| Assets per employee ($millions) | 3.5875% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8417% | 2,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 57.9388% | 3,993 |
| Net loans and leases to deposits | 66.1214% | 4,265 |
| Net loans and leases to core deposits | 67.4391% | 4,596 |
| Total domestic deposits to total assets | 87.6249% | 2,462 |
| Equity capital to assets | 10.1559% | 3,956 |
| Core capital (leverage) ratio | 9.7459% | 3,737 |
| Tier 1 risk-based capital ratio | 14.9650% | 3,736 |
| Total risk-based capital ratio | 16.2197% | 3,688 |
| Memoranda: | ||
| Average total assets | $89,826,400 | 5,086 |
| Average earning assets | $84,129,400 | 5,014 |
| Average equity | $9,202,800 | 5,173 |
| Average total loans | $53,347,600 | 4,972 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6843% | 6,249 |
| Cost of funding earning assets | 0.6309% | 4,359 |
| Net interest margin | 3.0534% | 6,057 |
| Noninterest income to average assets | 0.5545% | 3,577 |
| Noninterest expense to average assets | 2.8565% | 3,766 |
| Loan and lease loss provision to assets | -0.2248% | 7,099 |
| Net operating income to assets | 0.5302% | 4,710 |
| Return on assets (ROA) | 0.5230% | 5,008 |
| Pretax return on assets | 0.7703% | 4,596 |
| Return on Equity (ROE) | 5.0937% | 4,782 |
| Retained earnings to average equity (ytd only) | 5.0937% | 3,302 |
| Net charge-offs to loans | -0.2923% | 7,046 |
| Credit loss provision to net charge-offs | 129.3103% | 2,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7066% | 1,624 |
| Assets per employee ($millions) | 3.5292% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 2,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 58.0096% | 4,134 |
| Net loans and leases to deposits | 66.3778% | 4,424 |
| Net loans and leases to core deposits | 67.7309% | 4,754 |
| Total domestic deposits to total assets | 87.3931% | 2,429 |
| Equity capital to assets | 10.2017% | 4,201 |
| Core capital (leverage) ratio | 9.4514% | 4,352 |
| Tier 1 risk-based capital ratio | 14.6234% | 4,100 |
| Total risk-based capital ratio | 15.8810% | 4,064 |
| Memoranda: | ||
| Average total assets | $88,964,000 | 5,175 |
| Average earning assets | $83,270,000 | 5,091 |
| Average equity | $9,135,250 | 5,235 |
| Average total loans | $52,920,250 | 5,037 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 6,360 |
| Cost of funding earning assets | 0.6488% | 4,452 |
| Net interest margin | 3.0350% | 6,163 |
| Noninterest income to average assets | 0.5180% | 3,800 |
| Noninterest expense to average assets | 2.8490% | 3,836 |
| Loan and lease loss provision to assets | -0.1704% | 7,142 |
| Net operating income to assets | 0.4680% | 4,962 |
| Return on assets (ROA) | 0.4680% | 5,205 |
| Pretax return on assets | 0.6770% | 4,894 |
| Return on Equity (ROE) | 4.5475% | 5,015 |
| Retained earnings to average equity (ytd only) | 4.5475% | 3,581 |
| Net charge-offs to loans | -0.4079% | 7,108 |
| Credit loss provision to net charge-offs | 70.0935% | 3,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9018% | 1,546 |
| Assets per employee ($millions) | 3.5494% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1152% | 1,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 57.1165% | 4,308 |
| Net loans and leases to deposits | 65.0685% | 4,635 |
| Net loans and leases to core deposits | 66.3854% | 4,953 |
| Total domestic deposits to total assets | 87.7792% | 2,291 |
| Equity capital to assets | 9.9420% | 4,430 |
| Core capital (leverage) ratio | 9.5874% | 4,021 |
| Tier 1 risk-based capital ratio | 14.3623% | 4,203 |
| Total risk-based capital ratio | 15.6209% | 4,158 |
| Memoranda: | ||
| Average total assets | $88,032,330 | 5,225 |
| Average earning assets | $82,307,000 | 5,144 |
| Average equity | $9,060,000 | 5,249 |
| Average total loans | $52,459,670 | 5,088 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7522% | 6,345 |
| Cost of funding earning assets | 0.6836% | 4,423 |
| Net interest margin | 3.0687% | 6,130 |
| Noninterest income to average assets | 0.5029% | 3,888 |
| Noninterest expense to average assets | 2.9148% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3399% | 5,513 |
| Return on assets (ROA) | 0.3399% | 5,692 |
| Pretax return on assets | 0.4517% | 5,578 |
| Return on Equity (ROE) | 3.2435% | 5,616 |
| Retained earnings to average equity (ytd only) | 3.2435% | 4,622 |
| Net charge-offs to loans | -0.7805% | 7,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5837% | 1,423 |
| Assets per employee ($millions) | 3.3653% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3927% | 1,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 56.3190% | 4,327 |
| Net loans and leases to deposits | 64.4561% | 4,569 |
| Net loans and leases to core deposits | 65.8453% | 4,931 |
| Total domestic deposits to total assets | 87.3757% | 2,733 |
| Equity capital to assets | 10.3202% | 3,711 |
| Core capital (leverage) ratio | 9.8537% | 3,566 |
| Tier 1 risk-based capital ratio | 15.0278% | 3,745 |
| Total risk-based capital ratio | 16.2900% | 3,691 |
| Memoranda: | ||
| Average total assets | $85,906,000 | 5,315 |
| Average earning assets | $80,165,500 | 5,242 |
| Average equity | $9,002,500 | 5,280 |
| Average total loans | $51,765,000 | 5,153 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4426% | 5,275 |
| Cost of funding earning assets | 0.7598% | 5,135 |
| Net interest margin | 3.6828% | 4,376 |
| Noninterest income to average assets | 0.4739% | 4,037 |
| Noninterest expense to average assets | 2.9119% | 3,909 |
| Loan and lease loss provision to assets | 0.0240% | 6,277 |
| Net operating income to assets | 0.7309% | 3,331 |
| Return on assets (ROA) | 0.7391% | 3,468 |
| Pretax return on assets | 0.9682% | 3,353 |
| Return on Equity (ROE) | 7.0827% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.0827% | 1,459 |
| Net charge-offs to loans | -0.0438% | 7,043 |
| Credit loss provision to net charge-offs | -90.9091% | 6,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7920% | 3,089 |
| Assets per employee ($millions) | 3.5131% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0869% | 2,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 61.5995% | 3,680 |
| Net loans and leases to deposits | 70.9183% | 3,961 |
| Net loans and leases to core deposits | 72.5205% | 4,441 |
| Total domestic deposits to total assets | 86.8598% | 2,843 |
| Equity capital to assets | 10.6447% | 3,370 |
| Core capital (leverage) ratio | 9.8657% | 3,499 |
| Tier 1 risk-based capital ratio | 14.6031% | 3,904 |
| Total risk-based capital ratio | 15.8616% | 3,875 |
| Memoranda: | ||
| Average total assets | $83,348,000 | 5,362 |
| Average earning assets | $77,386,800 | 5,303 |
| Average equity | $8,697,200 | 5,362 |
| Average total loans | $50,224,600 | 5,257 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 4,818 |
| Cost of funding earning assets | 0.7711% | 5,326 |
| Net interest margin | 3.8418% | 3,660 |
| Noninterest income to average assets | 0.4604% | 4,215 |
| Noninterest expense to average assets | 2.9568% | 3,718 |
| Loan and lease loss provision to assets | 0.0321% | 6,040 |
| Net operating income to assets | 0.8164% | 3,075 |
| Return on assets (ROA) | 0.8278% | 3,194 |
| Pretax return on assets | 1.0508% | 3,208 |
| Return on Equity (ROE) | 7.9740% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.9740% | 1,517 |
| Net charge-offs to loans | -0.0458% | 7,039 |
| Credit loss provision to net charge-offs | -117.6471% | 6,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4556% | 3,286 |
| Assets per employee ($millions) | 3.3868% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1305% | 2,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 59.7893% | 4,166 |
| Net loans and leases to deposits | 69.7777% | 4,335 |
| Net loans and leases to core deposits | 71.3734% | 4,796 |
| Total domestic deposits to total assets | 85.6854% | 3,396 |
| Equity capital to assets | 10.5233% | 3,680 |
| Core capital (leverage) ratio | 9.5988% | 3,994 |
| Tier 1 risk-based capital ratio | 14.4404% | 4,019 |
| Total risk-based capital ratio | 15.6993% | 3,983 |
| Memoranda: | ||
| Average total assets | $83,106,500 | 5,404 |
| Average earning assets | $77,113,750 | 5,352 |
| Average equity | $8,627,750 | 5,405 |
| Average total loans | $49,519,750 | 5,323 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 3,304 |
| Cost of funding earning assets | 0.7785% | 5,520 |
| Net interest margin | 4.1930% | 2,065 |
| Noninterest income to average assets | 0.4359% | 4,377 |
| Noninterest expense to average assets | 3.0296% | 3,525 |
| Loan and lease loss provision to assets | 0.0484% | 5,709 |
| Net operating income to assets | 1.0050% | 2,208 |
| Return on assets (ROA) | 1.0050% | 2,309 |
| Pretax return on assets | 1.2448% | 2,325 |
| Return on Equity (ROE) | 9.7262% | 2,222 |
| Retained earnings to average equity (ytd only) | 9.7262% | 914 |
| Net charge-offs to loans | -0.0492% | 7,027 |
| Credit loss provision to net charge-offs | -166.6667% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0840% | 4,105 |
| Assets per employee ($millions) | 3.4517% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3162% | 1,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 53.6139% | 5,349 |
| Net loans and leases to deposits | 61.6333% | 5,545 |
| Net loans and leases to core deposits | 62.9970% | 5,812 |
| Total domestic deposits to total assets | 86.9885% | 2,742 |
| Equity capital to assets | 10.2013% | 3,878 |
| Core capital (leverage) ratio | 9.7477% | 3,603 |
| Tier 1 risk-based capital ratio | 15.1030% | 3,448 |
| Total risk-based capital ratio | 16.3628% | 3,408 |
| Memoranda: | ||
| Average total assets | $82,585,670 | 5,470 |
| Average earning assets | $76,556,670 | 5,411 |
| Average equity | $8,533,670 | 5,446 |
| Average total loans | $48,784,670 | 5,403 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 6,513 |
| Cost of funding earning assets | 0.8039% | 5,560 |
| Net interest margin | 3.2906% | 5,814 |
| Noninterest income to average assets | 0.4211% | 4,529 |
| Noninterest expense to average assets | 2.9381% | 3,905 |
| Loan and lease loss provision to assets | 0.0743% | 5,069 |
| Net operating income to assets | 0.4261% | 4,820 |
| Return on assets (ROA) | 0.4261% | 4,913 |
| Pretax return on assets | 0.4509% | 5,186 |
| Return on Equity (ROE) | 4.0957% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.0957% | 3,705 |
| Net charge-offs to loans | -0.1293% | 7,156 |
| Credit loss provision to net charge-offs | -93.7500% | 5,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8355% | 1,864 |
| Assets per employee ($millions) | 3.3623% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2798% | 1,799 |
| Loan loss allowance to noncurrent loans | 219.2000% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 5,725 |
| Noncurrent loans to loans | 1.0401% | 4,979 |
| Net loans and leases to total assets | 58.2167% | 4,609 |
| Net loans and leases to deposits | 67.0348% | 4,821 |
| Net loans and leases to core deposits | 68.8827% | 5,182 |
| Total domestic deposits to total assets | 86.8455% | 3,025 |
| Equity capital to assets | 10.4517% | 3,236 |
| Core capital (leverage) ratio | 9.3446% | 4,059 |
| Tier 1 risk-based capital ratio | 14.1139% | 3,994 |
| Total risk-based capital ratio | 15.3736% | 3,962 |
| Memoranda: | ||
| Average total assets | $80,732,000 | 5,571 |
| Average earning assets | $74,636,000 | 5,520 |
| Average equity | $8,399,000 | 5,493 |
| Average total loans | $49,496,000 | 5,421 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4584% | 6,501 |
| Cost of funding earning assets | 1.0450% | 5,456 |
| Net interest margin | 3.4135% | 5,579 |
| Noninterest income to average assets | 0.6097% | 3,404 |
| Noninterest expense to average assets | 3.0784% | 3,555 |
| Loan and lease loss provision to assets | 0.1490% | 5,705 |
| Net operating income to assets | 0.4338% | 4,394 |
| Return on assets (ROA) | 0.4297% | 4,560 |
| Pretax return on assets | 0.5129% | 4,575 |
| Return on Equity (ROE) | 4.1951% | 4,433 |
| Retained earnings to average equity (ytd only) | 4.1951% | 2,907 |
| Net charge-offs to loans | 0.0492% | 6,301 |
| Credit loss provision to net charge-offs | 480.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 21.4800% | 965 |
| Efficiency ratio | 82.1950% | 2,138 |
| Assets per employee ($millions) | 3.2308% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 2,086 |
| Loan loss allowance to noncurrent loans | 213.0000% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 5,642 |
| Noncurrent loans to loans | 0.9820% | 5,093 |
| Net loans and leases to total assets | 61.7229% | 4,344 |
| Net loans and leases to deposits | 71.1850% | 4,651 |
| Net loans and leases to core deposits | 73.1540% | 5,080 |
| Total domestic deposits to total assets | 86.7078% | 2,976 |
| Equity capital to assets | 10.3555% | 3,325 |
| Core capital (leverage) ratio | 9.1433% | 4,277 |
| Tier 1 risk-based capital ratio | 13.2756% | 4,394 |
| Total risk-based capital ratio | 14.5343% | 4,344 |
| Memoranda: | ||
| Average total assets | $80,528,800 | 5,579 |
| Average earning assets | $73,972,000 | 5,542 |
| Average equity | $8,247,800 | 5,641 |
| Average total loans | $50,780,800 | 5,453 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5126% | 6,579 |
| Cost of funding earning assets | 1.0943% | 5,451 |
| Net interest margin | 3.4183% | 5,606 |
| Noninterest income to average assets | 0.5965% | 3,458 |
| Noninterest expense to average assets | 3.0686% | 3,491 |
| Loan and lease loss provision to assets | 0.1491% | 5,546 |
| Net operating income to assets | 0.4381% | 4,596 |
| Return on assets (ROA) | 0.4325% | 4,797 |
| Pretax return on assets | 0.5087% | 4,894 |
| Return on Equity (ROE) | 4.2341% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.2341% | 3,509 |
| Net charge-offs to loans | 0.0394% | 6,163 |
| Credit loss provision to net charge-offs | 600.0000% | 484 |
| Earnings coverage of net charge-offs (x) | 26.7325% | 951 |
| Efficiency ratio | 82.2015% | 2,039 |
| Assets per employee ($millions) | 3.2146% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0927% | 2,015 |
| Loan loss allowance to noncurrent loans | 196.4286% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 5,636 |
| Noncurrent loans to loans | 1.0654% | 5,111 |
| Net loans and leases to total assets | 60.8354% | 4,752 |
| Net loans and leases to deposits | 71.2946% | 4,946 |
| Net loans and leases to core deposits | 73.5944% | 5,345 |
| Total domestic deposits to total assets | 85.3296% | 3,447 |
| Equity capital to assets | 10.3900% | 3,654 |
| Core capital (leverage) ratio | 8.8611% | 4,905 |
| Tier 1 risk-based capital ratio | 13.1909% | 4,432 |
| Total risk-based capital ratio | 14.4488% | 4,406 |
| Memoranda: | ||
| Average total assets | $80,468,750 | 5,651 |
| Average earning assets | $73,835,750 | 5,612 |
| Average equity | $8,218,750 | 5,725 |
| Average total loans | $50,746,500 | 5,538 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 6,643 |
| Cost of funding earning assets | 1.1084% | 5,624 |
| Net interest margin | 3.4199% | 5,559 |
| Noninterest income to average assets | 0.5838% | 3,455 |
| Noninterest expense to average assets | 3.0111% | 3,671 |
| Loan and lease loss provision to assets | 0.1491% | 5,408 |
| Net operating income to assets | 0.4621% | 4,497 |
| Return on assets (ROA) | 0.4621% | 4,655 |
| Pretax return on assets | 0.5590% | 4,704 |
| Return on Equity (ROE) | 4.5505% | 4,515 |
| Retained earnings to average equity (ytd only) | 4.5505% | 3,176 |
| Net charge-offs to loans | 0.0784% | 5,357 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 1,536 |
| Efficiency ratio | 80.9619% | 2,306 |
| Assets per employee ($millions) | 3.2688% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9839% | 2,223 |
| Loan loss allowance to noncurrent loans | 189.8496% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 5,685 |
| Noncurrent loans to loans | 1.0450% | 5,217 |
| Net loans and leases to total assets | 61.0617% | 4,866 |
| Net loans and leases to deposits | 72.0709% | 4,977 |
| Net loans and leases to core deposits | 74.0968% | 5,430 |
| Total domestic deposits to total assets | 84.7245% | 3,760 |
| Equity capital to assets | 10.1274% | 3,858 |
| Core capital (leverage) ratio | 8.9786% | 4,636 |
| Tier 1 risk-based capital ratio | 12.6932% | 4,695 |
| Total risk-based capital ratio | 13.9504% | 4,658 |
| Memoranda: | ||
| Average total assets | $80,503,000 | 5,684 |
| Average earning assets | $73,802,330 | 5,648 |
| Average equity | $8,175,000 | 5,739 |
| Average total loans | $51,016,670 | 5,565 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 6,573 |
| Cost of funding earning assets | 1.1191% | 5,809 |
| Net interest margin | 3.4775% | 5,259 |
| Noninterest income to average assets | 0.6108% | 3,203 |
| Noninterest expense to average assets | 3.1591% | 3,015 |
| Loan and lease loss provision to assets | 0.1502% | 5,043 |
| Net operating income to assets | 0.4206% | 4,751 |
| Return on assets (ROA) | 0.4206% | 4,891 |
| Pretax return on assets | 0.4906% | 4,992 |
| Return on Equity (ROE) | 4.1356% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.1356% | 3,666 |
| Net charge-offs to loans | 0.1958% | 3,737 |
| Credit loss provision to net charge-offs | 120.0000% | 2,902 |
| Earnings coverage of net charge-offs (x) | 5.1200% | 2,464 |
| Efficiency ratio | 83.1357% | 2,126 |
| Assets per employee ($millions) | 3.0758% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9272% | 2,371 |
| Loan loss allowance to noncurrent loans | 181.2268% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 5,473 |
| Noncurrent loans to loans | 1.0634% | 5,217 |
| Net loans and leases to total assets | 62.0425% | 4,741 |
| Net loans and leases to deposits | 73.3867% | 4,842 |
| Net loans and leases to core deposits | 75.5110% | 5,325 |
| Total domestic deposits to total assets | 84.5419% | 3,878 |
| Equity capital to assets | 10.2100% | 3,593 |
| Core capital (leverage) ratio | 8.9282% | 4,682 |
| Tier 1 risk-based capital ratio | 12.5715% | 4,672 |
| Total risk-based capital ratio | 13.8281% | 4,632 |
| Memoranda: | ||
| Average total assets | $79,895,000 | 5,770 |
| Average earning assets | $73,270,000 | 5,735 |
| Average equity | $8,124,500 | 5,804 |
| Average total loans | $51,070,500 | 5,629 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9337% | 6,627 |
| Cost of funding earning assets | 1.5190% | 5,443 |
| Net interest margin | 3.4147% | 5,312 |
| Noninterest income to average assets | 0.7618% | 2,606 |
| Noninterest expense to average assets | 3.5001% | 2,373 |
| Loan and lease loss provision to assets | 0.3052% | 4,993 |
| Net operating income to assets | 0.1678% | 5,001 |
| Return on assets (ROA) | 0.1728% | 5,062 |
| Pretax return on assets | 0.1060% | 5,208 |
| Return on Equity (ROE) | 1.7138% | 5,015 |
| Retained earnings to average equity (ytd only) | 1.7138% | 3,882 |
| Net charge-offs to loans | 0.6429% | 3,264 |
| Credit loss provision to net charge-offs | 72.2388% | 6,443 |
| Earnings coverage of net charge-offs (x) | 0.9612% | 5,152 |
| Efficiency ratio | 89.6028% | 1,739 |
| Assets per employee ($millions) | 2.8507% | 6,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8817% | 2,305 |
| Loan loss allowance to noncurrent loans | 97.8809% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.2704% | 4,550 |
| Noncurrent loans to loans | 1.9224% | 3,767 |
| Net loans and leases to total assets | 63.3684% | 4,732 |
| Net loans and leases to deposits | 74.7882% | 4,910 |
| Net loans and leases to core deposits | 87.1979% | 5,414 |
| Total domestic deposits to total assets | 84.7305% | 3,693 |
| Equity capital to assets | 10.1279% | 3,592 |
| Core capital (leverage) ratio | 8.8024% | 4,766 |
| Tier 1 risk-based capital ratio | 12.0807% | 4,871 |
| Total risk-based capital ratio | 13.3360% | 4,832 |
| Memoranda: | ||
| Average total assets | $79,282,400 | 5,749 |
| Average earning assets | $73,007,800 | 5,720 |
| Average equity | $7,993,800 | 5,930 |
| Average total loans | $52,109,800 | 5,584 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9896% | 6,631 |
| Cost of funding earning assets | 1.6090% | 5,360 |
| Net interest margin | 3.3806% | 5,349 |
| Noninterest income to average assets | 0.7597% | 2,649 |
| Noninterest expense to average assets | 3.5224% | 2,223 |
| Loan and lease loss provision to assets | 0.2139% | 5,273 |
| Net operating income to assets | 0.1685% | 5,258 |
| Return on assets (ROA) | 0.1802% | 5,287 |
| Pretax return on assets | 0.1499% | 5,414 |
| Return on Equity (ROE) | 1.7897% | 5,235 |
| Retained earnings to average equity (ytd only) | 1.7897% | 4,314 |
| Net charge-offs to loans | 0.3751% | 3,773 |
| Credit loss provision to net charge-offs | 86.3946% | 5,581 |
| Earnings coverage of net charge-offs (x) | 1.4217% | 4,717 |
| Efficiency ratio | 90.9130% | 1,616 |
| Assets per employee ($millions) | 2.7961% | 6,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9923% | 1,823 |
| Loan loss allowance to noncurrent loans | 97.0233% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 1.3922% | 4,311 |
| Noncurrent loans to loans | 2.0534% | 3,561 |
| Net loans and leases to total assets | 65.5342% | 4,525 |
| Net loans and leases to deposits | 77.7500% | 4,770 |
| Net loans and leases to core deposits | 90.9523% | 5,339 |
| Total domestic deposits to total assets | 84.2883% | 3,584 |
| Equity capital to assets | 10.3012% | 3,735 |
| Core capital (leverage) ratio | 9.1228% | 4,455 |
| Tier 1 risk-based capital ratio | 12.2016% | 4,788 |
| Total risk-based capital ratio | 13.4582% | 4,729 |
| Memoranda: | ||
| Average total assets | $79,148,250 | 5,795 |
| Average earning assets | $72,923,000 | 5,757 |
| Average equity | $7,971,250 | 5,987 |
| Average total loans | $52,249,750 | 5,628 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 6,494 |
| Cost of funding earning assets | 1.7130% | 5,208 |
| Net interest margin | 3.3714% | 5,282 |
| Noninterest income to average assets | 0.8838% | 2,047 |
| Noninterest expense to average assets | 3.5955% | 2,080 |
| Loan and lease loss provision to assets | 0.1511% | 5,560 |
| Net operating income to assets | 0.2493% | 5,084 |
| Return on assets (ROA) | 0.2669% | 5,122 |
| Pretax return on assets | 0.2619% | 5,296 |
| Return on Equity (ROE) | 2.6700% | 5,028 |
| Retained earnings to average equity (ytd only) | 2.6700% | 3,842 |
| Net charge-offs to loans | 0.2336% | 4,037 |
| Credit loss provision to net charge-offs | 98.3607% | 4,665 |
| Earnings coverage of net charge-offs (x) | 2.5738% | 3,780 |
| Efficiency ratio | 90.0946% | 1,798 |
| Assets per employee ($millions) | 2.7618% | 6,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0528% | 1,475 |
| Loan loss allowance to noncurrent loans | 70.8000% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 2.0031% | 3,194 |
| Noncurrent loans to loans | 2.8994% | 2,486 |
| Net loans and leases to total assets | 65.5270% | 4,663 |
| Net loans and leases to deposits | 77.8300% | 4,903 |
| Net loans and leases to core deposits | 91.5748% | 5,389 |
| Total domestic deposits to total assets | 84.1924% | 3,651 |
| Equity capital to assets | 10.3427% | 3,578 |
| Core capital (leverage) ratio | 9.0884% | 4,487 |
| Tier 1 risk-based capital ratio | 12.5229% | 4,506 |
| Total risk-based capital ratio | 13.7804% | 4,422 |
| Memoranda: | ||
| Average total assets | $79,433,670 | 5,819 |
| Average earning assets | $73,203,670 | 5,780 |
| Average equity | $7,940,000 | 6,040 |
| Average total loans | $52,216,000 | 5,667 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 6,508 |
| Cost of funding earning assets | 1.8388% | 4,923 |
| Net interest margin | 3.3055% | 5,478 |
| Noninterest income to average assets | 0.7803% | 2,428 |
| Noninterest expense to average assets | 3.5236% | 2,041 |
| Loan and lease loss provision to assets | 0.1491% | 5,024 |
| Net operating income to assets | 0.1789% | 5,720 |
| Return on assets (ROA) | 0.1988% | 5,830 |
| Pretax return on assets | 0.1739% | 6,003 |
| Return on Equity (ROE) | 2.0225% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.0225% | 4,737 |
| Net charge-offs to loans | -0.0381% | 7,626 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0779% | 1,558 |
| Assets per employee ($millions) | 2.6873% | 6,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1076% | 1,220 |
| Loan loss allowance to noncurrent loans | 73.4940% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.8532% | 3,140 |
| Noncurrent loans to loans | 2.8677% | 2,278 |
| Net loans and leases to total assets | 63.2613% | 5,110 |
| Net loans and leases to deposits | 79.1803% | 4,743 |
| Net loans and leases to core deposits | 92.8471% | 5,273 |
| Total domestic deposits to total assets | 79.8953% | 5,405 |
| Equity capital to assets | 9.8489% | 4,182 |
| Core capital (leverage) ratio | 8.7850% | 5,016 |
| Tier 1 risk-based capital ratio | 12.0074% | 4,960 |
| Total risk-based capital ratio | 13.2647% | 4,835 |
| Memoranda: | ||
| Average total assets | $80,485,500 | 5,804 |
| Average earning assets | $74,178,500 | 5,761 |
| Average equity | $7,911,000 | 6,092 |
| Average total loans | $52,457,000 | 5,695 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6319% | 6,985 |
| Cost of funding earning assets | 2.5760% | 3,817 |
| Net interest margin | 3.0560% | 6,769 |
| Noninterest income to average assets | 0.5112% | 4,535 |
| Noninterest expense to average assets | 3.6139% | 2,109 |
| Loan and lease loss provision to assets | 1.2807% | 1,114 |
| Net operating income to assets | -0.7603% | 7,107 |
| Return on assets (ROA) | -0.8052% | 7,041 |
| Pretax return on assets | -1.6460% | 7,317 |
| Return on Equity (ROE) | -8.8151% | 7,183 |
| Retained earnings to average equity (ytd only) | -8.8151% | 6,953 |
| Net charge-offs to loans | 2.1104% | 502 |
| Credit loss provision to net charge-offs | 96.9646% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.2234% | 6,384 |
| Efficiency ratio | 108.8926% | 733 |
| Assets per employee ($millions) | 2.6784% | 6,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0126% | 1,196 |
| Loan loss allowance to noncurrent loans | 41.1537% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 3.2146% | 1,422 |
| Noncurrent loans to loans | 4.8906% | 919 |
| Net loans and leases to total assets | 64.4071% | 5,189 |
| Net loans and leases to deposits | 80.8211% | 4,902 |
| Net loans and leases to core deposits | 94.6955% | 5,387 |
| Total domestic deposits to total assets | 79.6909% | 5,136 |
| Equity capital to assets | 9.8092% | 4,282 |
| Core capital (leverage) ratio | 8.0140% | 6,465 |
| Tier 1 risk-based capital ratio | 11.5660% | 5,181 |
| Total risk-based capital ratio | 12.8234% | 5,061 |
| Memoranda: | ||
| Average total assets | $89,791,600 | 5,365 |
| Average earning assets | $82,493,800 | 5,347 |
| Average equity | $8,201,800 | 6,003 |
| Average total loans | $56,197,400 | 5,437 |