Home > Pine River State Bank > Performance and Condition Ratios
Pine River State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 4,225 |
| Cost of funding earning assets | 0.8987% | 3,524 |
| Net interest margin | 2.8555% | 3,563 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.5187% | 2,242 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.4205% | 3,823 |
| Return on assets (ROA) | 0.4328% | 3,801 |
| Pretax return on assets | 0.4328% | 3,916 |
| Return on Equity (ROE) | 8.0700% | 3,000 |
| Retained earnings to average equity (ytd only) | 5.5612% | 2,389 |
| Net charge-offs to loans | 0.0031% | 2,661 |
| Credit loss provision to net charge-offs | 1,166.6667% | 361 |
| Earnings coverage of net charge-offs (x) | 262.6667% | 479 |
| Efficiency ratio | 85.1265% | 606 |
| Assets per employee ($millions) | 4.4046% | 3,995 |
| Cash dividends to net income (ytd only)* | 31.0968% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 2,718 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,329 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 56.3200% | 3,165 |
| Net loans and leases to deposits | 62.7189% | 3,365 |
| Net loans and leases to core deposits | 64.9492% | 3,546 |
| Total domestic deposits to total assets | 89.8000% | 812 |
| Equity capital to assets | 6.1356% | 4,209 |
| Core capital (leverage) ratio | 7.5425% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3909% | 1,423 |
| Memoranda: | ||
| Average total assets | $179,063,000 | 3,134 |
| Average earning assets | $172,366,200 | 3,077 |
| Average equity | $9,602,200 | 3,764 |
| Average total loans | $95,484,800 | 3,221 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 4,278 |
| Cost of funding earning assets | 0.7969% | 3,526 |
| Net interest margin | 2.8363% | 3,664 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.4866% | 2,275 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.4338% | 3,903 |
| Return on assets (ROA) | 0.4338% | 3,905 |
| Pretax return on assets | 0.4338% | 4,015 |
| Return on Equity (ROE) | 8.3900% | 3,093 |
| Retained earnings to average equity (ytd only) | 4.9316% | 2,956 |
| Net charge-offs to loans | 0.0042% | 2,335 |
| Credit loss provision to net charge-offs | 1,166.6667% | 369 |
| Earnings coverage of net charge-offs (x) | 206.6667% | 585 |
| Efficiency ratio | 84.3947% | 593 |
| Assets per employee ($millions) | 4.5258% | 3,923 |
| Cash dividends to net income (ytd only)* | 41.1966% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 2,725 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 53.0000% | 3,423 |
| Net loans and leases to deposits | 59.9918% | 3,503 |
| Net loans and leases to core deposits | 62.1272% | 3,609 |
| Total domestic deposits to total assets | 88.3500% | 1,460 |
| Equity capital to assets | 5.0825% | 4,234 |
| Core capital (leverage) ratio | 7.3410% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4367% | 1,440 |
| Memoranda: | ||
| Average total assets | $179,782,750 | 3,137 |
| Average earning assets | $172,992,000 | 3,074 |
| Average equity | $9,300,250 | 3,789 |
| Average total loans | $94,266,750 | 3,242 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4760% | 4,365 |
| Cost of funding earning assets | 0.6382% | 3,664 |
| Net interest margin | 2.8379% | 3,763 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.4896% | 2,234 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.4251% | 3,955 |
| Return on assets (ROA) | 0.4296% | 3,949 |
| Pretax return on assets | 0.4296% | 4,073 |
| Return on Equity (ROE) | 8.2500% | 3,171 |
| Retained earnings to average equity (ytd only) | 4.0187% | 3,205 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.2786% | 581 |
| Assets per employee ($millions) | 4.4025% | 4,007 |
| Cash dividends to net income (ytd only)* | 51.3089% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 52.7200% | 3,355 |
| Net loans and leases to deposits | 59.7575% | 3,437 |
| Net loans and leases to core deposits | 61.7306% | 3,546 |
| Total domestic deposits to total assets | 88.2200% | 1,523 |
| Equity capital to assets | 5.1834% | 4,345 |
| Core capital (leverage) ratio | 7.5865% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6058% | 1,696 |
| Memoranda: | ||
| Average total assets | $177,857,667 | 3,154 |
| Average earning assets | $171,114,333 | 3,095 |
| Average equity | $9,256,667 | 3,821 |
| Average total loans | $92,529,667 | 3,259 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3699% | 4,396 |
| Cost of funding earning assets | 0.3734% | 4,026 |
| Net interest margin | 2.9965% | 3,611 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.4969% | 2,253 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6095% | 3,671 |
| Return on assets (ROA) | 0.6186% | 3,611 |
| Pretax return on assets | 0.6186% | 3,812 |
| Return on Equity (ROE) | 11.8600% | 2,251 |
| Retained earnings to average equity (ytd only) | 7.6029% | 2,337 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.2038% | 813 |
| Assets per employee ($millions) | 4.3421% | 4,107 |
| Cash dividends to net income (ytd only)* | 35.8974% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 2,531 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 51.8100% | 3,357 |
| Net loans and leases to deposits | 56.6457% | 3,537 |
| Net loans and leases to core deposits | 58.0005% | 3,631 |
| Total domestic deposits to total assets | 91.4700% | 652 |
| Equity capital to assets | 5.5296% | 4,334 |
| Core capital (leverage) ratio | 7.6193% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4875% | 1,263 |
| Memoranda: | ||
| Average total assets | $176,536,000 | 3,209 |
| Average earning assets | $169,264,000 | 3,154 |
| Average equity | $9,207,000 | 3,869 |
| Average total loans | $90,649,000 | 3,323 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0641% | 4,055 |
| Cost of funding earning assets | 0.1762% | 3,941 |
| Net interest margin | 2.8879% | 3,708 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.4136% | 2,384 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.4975% | 4,089 |
| Return on assets (ROA) | 0.5254% | 4,002 |
| Pretax return on assets | 0.5254% | 4,143 |
| Return on Equity (ROE) | 9.8400% | 2,853 |
| Retained earnings to average equity (ytd only) | 4.5748% | 3,213 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.5471% | 676 |
| Assets per employee ($millions) | 4.4847% | 4,048 |
| Cash dividends to net income (ytd only)* | 53.5211% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 2,550 |
| Loan loss allowance to noncurrent loans | 1,751.6667% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 3,470 |
| Noncurrent loans to loans | 0.0665% | 3,269 |
| Net loans and leases to total assets | 49.7000% | 3,526 |
| Net loans and leases to deposits | 52.3111% | 3,779 |
| Net loans and leases to core deposits | 53.0772% | 3,863 |
| Total domestic deposits to total assets | 95.0100% | 139 |
| Equity capital to assets | 4.9111% | 4,380 |
| Core capital (leverage) ratio | 7.1438% | 4,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1273% | 1,338 |
| Memoranda: | ||
| Average total assets | $175,674,800 | 3,225 |
| Average earning assets | $168,010,400 | 3,177 |
| Average equity | $9,377,400 | 3,951 |
| Average total loans | $81,038,800 | 3,402 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9662% | 3,951 |
| Cost of funding earning assets | 0.1436% | 3,904 |
| Net interest margin | 2.8225% | 3,685 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.3950% | 2,353 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.4631% | 4,142 |
| Return on assets (ROA) | 0.4982% | 4,024 |
| Pretax return on assets | 0.4982% | 4,149 |
| Return on Equity (ROE) | 9.1500% | 2,992 |
| Retained earnings to average equity (ytd only) | 2.2270% | 3,973 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.3002% | 695 |
| Assets per employee ($millions) | 4.4972% | 4,058 |
| Cash dividends to net income (ytd only)* | 75.6508% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 2,736 |
| Loan loss allowance to noncurrent loans | 1,638.7097% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 3,566 |
| Noncurrent loans to loans | 0.0709% | 3,368 |
| Net loans and leases to total assets | 48.0700% | 3,621 |
| Net loans and leases to deposits | 50.2993% | 3,836 |
| Net loans and leases to core deposits | 50.8482% | 3,910 |
| Total domestic deposits to total assets | 95.5700% | 167 |
| Equity capital to assets | 4.3133% | 4,438 |
| Core capital (leverage) ratio | 6.8428% | 4,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4395% | 1,302 |
| Memoranda: | ||
| Average total assets | $174,746,250 | 3,260 |
| Average earning assets | $167,080,000 | 3,204 |
| Average equity | $9,519,250 | 3,978 |
| Average total loans | $78,746,250 | 3,441 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8669% | 3,859 |
| Cost of funding earning assets | 0.1463% | 3,622 |
| Net interest margin | 2.7206% | 3,664 |
| Noninterest income to average assets | 0.2485% | 3,685 |
| Noninterest expense to average assets | 2.3938% | 2,240 |
| Loan and lease loss provision to assets | 0.0601% | 1,516 |
| Net operating income to assets | 0.3953% | 4,116 |
| Return on assets (ROA) | 0.4173% | 4,026 |
| Pretax return on assets | 0.4173% | 4,134 |
| Return on Equity (ROE) | 7.1443% | 3,270 |
| Retained earnings to average equity (ytd only) | -2.0186% | 4,387 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0162% | 679 |
| Assets per employee ($millions) | 4.5152% | 4,059 |
| Cash dividends to net income (ytd only)* | 128.2548% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 2,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 45.6653% | 3,729 |
| Net loans and leases to deposits | 48.1354% | 3,914 |
| Net loans and leases to core deposits | 48.6750% | 3,997 |
| Total domestic deposits to total assets | 94.8686% | 154 |
| Equity capital to assets | 5.0383% | 4,467 |
| Core capital (leverage) ratio | 6.8397% | 4,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9806% | 1,192 |
| Memoranda: | ||
| Average total assets | $173,032,667 | 3,308 |
| Average earning assets | $165,407,333 | 3,266 |
| Average equity | $10,106,000 | 3,972 |
| Average total loans | $75,830,333 | 3,517 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7928% | 3,757 |
| Cost of funding earning assets | 0.1510% | 3,493 |
| Net interest margin | 2.6419% | 3,554 |
| Noninterest income to average assets | 0.2729% | 3,503 |
| Noninterest expense to average assets | 2.3766% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4268% | 3,896 |
| Return on assets (ROA) | 0.4268% | 3,859 |
| Pretax return on assets | 0.4268% | 3,990 |
| Return on Equity (ROE) | 6.8264% | 3,091 |
| Retained earnings to average equity (ytd only) | -6.3788% | 4,472 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7754% | 800 |
| Assets per employee ($millions) | 4.4155% | 4,191 |
| Cash dividends to net income (ytd only)* | 193.4426% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 2,769 |
| Loan loss allowance to noncurrent loans | 1,365.1515% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,638 |
| Noncurrent loans to loans | 0.0891% | 3,394 |
| Net loans and leases to total assets | 43.6101% | 3,764 |
| Net loans and leases to deposits | 46.2558% | 3,960 |
| Net loans and leases to core deposits | 46.8841% | 4,035 |
| Total domestic deposits to total assets | 94.2803% | 87 |
| Equity capital to assets | 5.6219% | 4,648 |
| Core capital (leverage) ratio | 7.2660% | 4,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3198% | 1,000 |
| Memoranda: | ||
| Average total assets | $171,503,000 | 3,331 |
| Average earning assets | $164,277,000 | 3,285 |
| Average equity | $10,723,000 | 3,980 |
| Average total loans | $73,062,500 | 3,571 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2783% | 3,277 |
| Cost of funding earning assets | 0.2159% | 3,306 |
| Net interest margin | 3.0624% | 3,015 |
| Noninterest income to average assets | 0.3225% | 3,477 |
| Noninterest expense to average assets | 2.0629% | 3,494 |
| Loan and lease loss provision to assets | 0.0104% | 2,872 |
| Net operating income to assets | 1.1678% | 2,031 |
| Return on assets (ROA) | 1.1678% | 2,092 |
| Pretax return on assets | 1.1678% | 2,769 |
| Return on Equity (ROE) | 16.7327% | 633 |
| Retained earnings to average equity (ytd only) | 13.9776% | 306 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6467% | 2,618 |
| Assets per employee ($millions) | 4.4927% | 4,121 |
| Cash dividends to net income (ytd only)* | 16.4650% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,622 |
| Loan loss allowance to noncurrent loans | 938.5417% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 3,596 |
| Noncurrent loans to loans | 0.1332% | 3,265 |
| Net loans and leases to total assets | 40.6068% | 4,056 |
| Net loans and leases to deposits | 43.6404% | 4,194 |
| Net loans and leases to core deposits | 44.2195% | 4,259 |
| Total domestic deposits to total assets | 93.0486% | 46 |
| Equity capital to assets | 6.8561% | 4,741 |
| Core capital (leverage) ratio | 7.2591% | 4,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1954% | 1,217 |
| Memoranda: | ||
| Average total assets | $162,779,000 | 3,369 |
| Average earning assets | $155,140,000 | 3,326 |
| Average equity | $11,361,000 | 3,997 |
| Average total loans | $71,809,000 | 3,612 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3530% | 3,237 |
| Cost of funding earning assets | 0.2263% | 3,360 |
| Net interest margin | 3.1268% | 2,978 |
| Noninterest income to average assets | 0.2313% | 4,020 |
| Noninterest expense to average assets | 2.4542% | 2,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7540% | 3,644 |
| Return on assets (ROA) | 0.7540% | 3,708 |
| Pretax return on assets | 0.7540% | 3,970 |
| Return on Equity (ROE) | 10.7517% | 2,460 |
| Retained earnings to average equity (ytd only) | 7.0249% | 2,409 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4966% | 1,004 |
| Assets per employee ($millions) | 4.3071% | 4,259 |
| Cash dividends to net income (ytd only)* | 34.6622% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 2,895 |
| Loan loss allowance to noncurrent loans | 1,245.0704% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 3,877 |
| Noncurrent loans to loans | 0.0980% | 3,592 |
| Net loans and leases to total assets | 41.5470% | 4,121 |
| Net loans and leases to deposits | 44.6083% | 4,292 |
| Net loans and leases to core deposits | 45.2118% | 4,347 |
| Total domestic deposits to total assets | 93.1374% | 25 |
| Equity capital to assets | 6.6031% | 4,860 |
| Core capital (leverage) ratio | 6.8569% | 4,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1458% | 1,324 |
| Memoranda: | ||
| Average total assets | $159,669,500 | 3,435 |
| Average earning assets | $152,017,000 | 3,392 |
| Average equity | $11,198,000 | 4,067 |
| Average total loans | $71,748,500 | 3,669 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2753% | 3,494 |
| Cost of funding earning assets | 0.2466% | 3,307 |
| Net interest margin | 3.0287% | 3,245 |
| Noninterest income to average assets | 0.2431% | 3,943 |
| Noninterest expense to average assets | 2.5047% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6136% | 3,952 |
| Return on assets (ROA) | 0.6136% | 4,009 |
| Pretax return on assets | 0.6136% | 4,208 |
| Return on Equity (ROE) | 8.5648% | 3,242 |
| Retained earnings to average equity (ytd only) | 5.7817% | 2,898 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3218% | 764 |
| Assets per employee ($millions) | 4.0773% | 4,406 |
| Cash dividends to net income (ytd only)* | 32.4948% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,835 |
| Loan loss allowance to noncurrent loans | 1,210.9589% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 3,956 |
| Noncurrent loans to loans | 0.1005% | 3,680 |
| Net loans and leases to total assets | 43.9927% | 4,044 |
| Net loans and leases to deposits | 47.4694% | 4,248 |
| Net loans and leases to core deposits | 48.0695% | 4,324 |
| Total domestic deposits to total assets | 92.6760% | 55 |
| Equity capital to assets | 6.8795% | 4,867 |
| Core capital (leverage) ratio | 7.2535% | 4,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9649% | 1,343 |
| Memoranda: | ||
| Average total assets | $155,465,333 | 3,475 |
| Average earning assets | $147,587,333 | 3,448 |
| Average equity | $11,138,667 | 4,083 |
| Average total loans | $71,510,667 | 3,697 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2169% | 3,653 |
| Cost of funding earning assets | 0.2614% | 3,366 |
| Net interest margin | 2.9555% | 3,366 |
| Noninterest income to average assets | 0.2611% | 3,832 |
| Noninterest expense to average assets | 2.5532% | 2,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5117% | 4,151 |
| Return on assets (ROA) | 0.5117% | 4,186 |
| Pretax return on assets | 0.5117% | 4,324 |
| Return on Equity (ROE) | 6.9923% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.3343% | 3,114 |
| Net charge-offs to loans | 0.0056% | 1,701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 194.0000% | 406 |
| Efficiency ratio | 83.3046% | 631 |
| Assets per employee ($millions) | 4.1092% | 4,409 |
| Cash dividends to net income (ytd only)* | 23.7113% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 2,737 |
| Loan loss allowance to noncurrent loans | 1,177.3333% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,031 |
| Noncurrent loans to loans | 0.1049% | 3,785 |
| Net loans and leases to total assets | 45.2062% | 4,024 |
| Net loans and leases to deposits | 48.8847% | 4,227 |
| Net loans and leases to core deposits | 49.6176% | 4,314 |
| Total domestic deposits to total assets | 92.4752% | 74 |
| Equity capital to assets | 7.1008% | 4,821 |
| Core capital (leverage) ratio | 7.5735% | 4,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1193% | 1,265 |
| Memoranda: | ||
| Average total assets | $151,651,500 | 3,512 |
| Average earning assets | $143,865,500 | 3,475 |
| Average equity | $11,098,000 | 4,096 |
| Average total loans | $70,949,500 | 3,715 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8633% | 3,129 |
| Cost of funding earning assets | 0.3681% | 3,778 |
| Net interest margin | 3.4952% | 2,493 |
| Noninterest income to average assets | 0.2565% | 3,947 |
| Noninterest expense to average assets | 2.8856% | 1,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6775% | 3,501 |
| Return on assets (ROA) | 0.6775% | 3,627 |
| Pretax return on assets | 0.6790% | 3,927 |
| Return on Equity (ROE) | 8.4154% | 2,644 |
| Retained earnings to average equity (ytd only) | 0.1749% | 4,468 |
| Net charge-offs to loans | 0.0448% | 2,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 27.7576% | 1,673 |
| Efficiency ratio | 80.9524% | 819 |
| Assets per employee ($millions) | 3.8724% | 4,458 |
| Cash dividends to net income (ytd only)* | 97.9212% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,656 |
| Loan loss allowance to noncurrent loans | 351.7928% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 3,423 |
| Noncurrent loans to loans | 0.3564% | 2,922 |
| Net loans and leases to total assets | 47.2593% | 4,028 |
| Net loans and leases to deposits | 51.2638% | 4,257 |
| Net loans and leases to core deposits | 52.0941% | 4,333 |
| Total domestic deposits to total assets | 92.1883% | 54 |
| Equity capital to assets | 7.5487% | 4,831 |
| Core capital (leverage) ratio | 7.5893% | 4,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9249% | 1,066 |
| Memoranda: | ||
| Average total assets | $134,910,400 | 3,565 |
| Average earning assets | $127,688,000 | 3,537 |
| Average equity | $10,861,000 | 4,097 |
| Average total loans | $73,638,800 | 3,667 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9889% | 3,001 |
| Cost of funding earning assets | 0.3946% | 3,837 |
| Net interest margin | 3.5943% | 2,290 |
| Noninterest income to average assets | 0.2660% | 3,871 |
| Noninterest expense to average assets | 2.9396% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7230% | 3,381 |
| Return on assets (ROA) | 0.7230% | 3,483 |
| Pretax return on assets | 0.7250% | 3,846 |
| Return on Equity (ROE) | 8.8276% | 2,465 |
| Retained earnings to average equity (ytd only) | -2.2223% | 4,717 |
| Net charge-offs to loans | 0.0591% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 21.7273% | 1,853 |
| Efficiency ratio | 80.2152% | 856 |
| Assets per employee ($millions) | 3.7772% | 4,495 |
| Cash dividends to net income (ytd only)* | 125.1748% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 2,810 |
| Loan loss allowance to noncurrent loans | 487.8453% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 3,814 |
| Noncurrent loans to loans | 0.2408% | 3,442 |
| Net loans and leases to total assets | 50.4161% | 4,078 |
| Net loans and leases to deposits | 54.7178% | 4,308 |
| Net loans and leases to core deposits | 55.4606% | 4,398 |
| Total domestic deposits to total assets | 92.1385% | 48 |
| Equity capital to assets | 7.4237% | 4,875 |
| Core capital (leverage) ratio | 7.3277% | 4,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3176% | 1,184 |
| Memoranda: | ||
| Average total assets | $131,850,000 | 3,588 |
| Average earning assets | $124,677,000 | 3,558 |
| Average equity | $10,799,250 | 4,112 |
| Average total loans | $74,442,000 | 3,668 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2146% | 2,710 |
| Cost of funding earning assets | 0.4255% | 3,921 |
| Net interest margin | 3.7891% | 1,868 |
| Noninterest income to average assets | 0.2715% | 3,855 |
| Noninterest expense to average assets | 3.0530% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7861% | 3,081 |
| Return on assets (ROA) | 0.7861% | 3,201 |
| Pretax return on assets | 0.7893% | 3,623 |
| Return on Equity (ROE) | 9.2620% | 2,262 |
| Retained earnings to average equity (ytd only) | -5.5423% | 4,795 |
| Net charge-offs to loans | -0.0108% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4577% | 928 |
| Assets per employee ($millions) | 3.5401% | 4,636 |
| Cash dividends to net income (ytd only)* | 159.8394% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,517 |
| Loan loss allowance to noncurrent loans | 328.9286% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 3,524 |
| Noncurrent loans to loans | 0.3648% | 3,098 |
| Net loans and leases to total assets | 54.9195% | 3,794 |
| Net loans and leases to deposits | 59.8960% | 4,125 |
| Net loans and leases to core deposits | 60.7658% | 4,225 |
| Total domestic deposits to total assets | 91.6914% | 72 |
| Equity capital to assets | 7.8371% | 4,794 |
| Core capital (leverage) ratio | 8.4335% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1936% | 1,208 |
| Memoranda: | ||
| Average total assets | $126,696,000 | 3,640 |
| Average earning assets | $119,395,667 | 3,605 |
| Average equity | $10,753,667 | 4,126 |
| Average total loans | $74,205,333 | 3,678 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 2,418 |
| Cost of funding earning assets | 0.4398% | 4,199 |
| Net interest margin | 4.0215% | 1,331 |
| Noninterest income to average assets | 0.2909% | 3,784 |
| Noninterest expense to average assets | 3.2459% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8231% | 2,822 |
| Return on assets (ROA) | 0.8231% | 2,908 |
| Pretax return on assets | 0.8231% | 3,350 |
| Return on Equity (ROE) | 9.2906% | 1,998 |
| Retained earnings to average equity (ytd only) | -14.9620% | 4,895 |
| Net charge-offs to loans | -0.0165% | 4,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7725% | 1,160 |
| Assets per employee ($millions) | 2.9744% | 4,811 |
| Cash dividends to net income (ytd only)* | 261.0442% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 2,301 |
| Loan loss allowance to noncurrent loans | 312.9252% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 3,469 |
| Noncurrent loans to loans | 0.4049% | 3,037 |
| Net loans and leases to total assets | 60.2579% | 3,471 |
| Net loans and leases to deposits | 66.4347% | 3,839 |
| Net loans and leases to core deposits | 67.2479% | 4,020 |
| Total domestic deposits to total assets | 90.7024% | 148 |
| Equity capital to assets | 8.8933% | 4,658 |
| Core capital (leverage) ratio | 8.6020% | 4,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5560% | 1,741 |
| Memoranda: | ||
| Average total assets | $121,013,000 | 3,688 |
| Average earning assets | $113,688,500 | 3,652 |
| Average equity | $10,720,500 | 4,141 |
| Average total loans | $72,936,000 | 3,706 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 2,499 |
| Cost of funding earning assets | 0.3920% | 4,463 |
| Net interest margin | 4.2479% | 1,211 |
| Noninterest income to average assets | 0.3073% | 3,848 |
| Noninterest expense to average assets | 3.1748% | 1,580 |
| Loan and lease loss provision to assets | 0.0411% | 3,193 |
| Net operating income to assets | 1.0879% | 2,486 |
| Return on assets (ROA) | 1.0862% | 2,592 |
| Pretax return on assets | 1.0879% | 3,203 |
| Return on Equity (ROE) | 12.2474% | 1,419 |
| Retained earnings to average equity (ytd only) | 4.4685% | 2,720 |
| Net charge-offs to loans | -0.1371% | 5,001 |
| Credit loss provision to net charge-offs | -48.4848% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7376% | 1,634 |
| Assets per employee ($millions) | 3.0762% | 4,783 |
| Cash dividends to net income (ytd only)* | 63.5146% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,165 |
| Loan loss allowance to noncurrent loans | 308.7542% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 3,475 |
| Noncurrent loans to loans | 0.4054% | 2,985 |
| Net loans and leases to total assets | 58.7912% | 3,690 |
| Net loans and leases to deposits | 64.7564% | 4,024 |
| Net loans and leases to core deposits | 65.5177% | 4,213 |
| Total domestic deposits to total assets | 90.7882% | 149 |
| Equity capital to assets | 8.8258% | 4,776 |
| Core capital (leverage) ratio | 8.9695% | 4,551 |
| Tier 1 risk-based capital ratio | 14.6067% | 2,959 |
| Total risk-based capital ratio | 15.8485% | 2,868 |
| Memoranda: | ||
| Average total assets | $116,826,000 | 3,745 |
| Average earning assets | $109,959,000 | 3,709 |
| Average equity | $10,361,400 | 4,193 |
| Average total loans | $72,207,800 | 3,734 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 2,473 |
| Cost of funding earning assets | 0.3743% | 4,581 |
| Net interest margin | 4.3080% | 1,151 |
| Noninterest income to average assets | 0.3169% | 3,857 |
| Noninterest expense to average assets | 3.1438% | 1,595 |
| Loan and lease loss provision to assets | 0.0555% | 2,800 |
| Net operating income to assets | 1.1752% | 2,277 |
| Return on assets (ROA) | 1.1729% | 2,375 |
| Pretax return on assets | 1.1752% | 3,059 |
| Return on Equity (ROE) | 13.2070% | 1,200 |
| Retained earnings to average equity (ytd only) | 2.7092% | 4,011 |
| Net charge-offs to loans | -0.1798% | 5,098 |
| Credit loss provision to net charge-offs | -49.4845% | 4,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8288% | 1,868 |
| Assets per employee ($millions) | 2.9837% | 4,904 |
| Cash dividends to net income (ytd only)* | 79.4870% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 2,285 |
| Loan loss allowance to noncurrent loans | 170.0743% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 2,720 |
| Noncurrent loans to loans | 0.7293% | 2,143 |
| Net loans and leases to total assets | 61.0452% | 3,585 |
| Net loans and leases to deposits | 67.3019% | 3,968 |
| Net loans and leases to core deposits | 67.9560% | 4,177 |
| Total domestic deposits to total assets | 90.7035% | 137 |
| Equity capital to assets | 8.8591% | 4,846 |
| Core capital (leverage) ratio | 8.8860% | 4,721 |
| Tier 1 risk-based capital ratio | 14.8261% | 2,937 |
| Total risk-based capital ratio | 16.0763% | 2,867 |
| Memoranda: | ||
| Average total assets | $115,270,250 | 3,803 |
| Average earning assets | $108,632,750 | 3,776 |
| Average equity | $10,236,750 | 4,253 |
| Average total loans | $71,945,000 | 3,782 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 2,377 |
| Cost of funding earning assets | 0.3478% | 4,687 |
| Net interest margin | 4.3460% | 1,053 |
| Noninterest income to average assets | 0.3143% | 3,827 |
| Noninterest expense to average assets | 3.1709% | 1,566 |
| Loan and lease loss provision to assets | 0.0843% | 2,160 |
| Net operating income to assets | 1.1588% | 2,296 |
| Return on assets (ROA) | 1.1553% | 2,378 |
| Pretax return on assets | 1.1588% | 3,043 |
| Return on Equity (ROE) | 12.9980% | 1,246 |
| Retained earnings to average equity (ytd only) | -0.9284% | 4,819 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7806% | 1,952 |
| Assets per employee ($millions) | 2.7833% | 5,022 |
| Cash dividends to net income (ytd only)* | 107.1429% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 3,025 |
| Loan loss allowance to noncurrent loans | 191.7840% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 3,018 |
| Noncurrent loans to loans | 0.5782% | 2,525 |
| Net loans and leases to total assets | 63.8526% | 3,359 |
| Net loans and leases to deposits | 70.5253% | 3,798 |
| Net loans and leases to core deposits | 70.7217% | 4,076 |
| Total domestic deposits to total assets | 90.5386% | 187 |
| Equity capital to assets | 9.0329% | 4,778 |
| Core capital (leverage) ratio | 9.1338% | 4,521 |
| Tier 1 risk-based capital ratio | 14.5592% | 3,037 |
| Total risk-based capital ratio | 15.7167% | 3,001 |
| Memoranda: | ||
| Average total assets | $113,911,670 | 3,844 |
| Average earning assets | $107,548,000 | 3,814 |
| Average equity | $10,124,670 | 4,285 |
| Average total loans | $71,336,670 | 3,812 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 2,893 |
| Cost of funding earning assets | 0.3279% | 4,746 |
| Net interest margin | 4.1653% | 1,389 |
| Noninterest income to average assets | 0.3093% | 3,801 |
| Noninterest expense to average assets | 3.1737% | 1,564 |
| Loan and lease loss provision to assets | 0.0562% | 2,543 |
| Net operating income to assets | 1.0087% | 2,808 |
| Return on assets (ROA) | 0.9982% | 2,887 |
| Pretax return on assets | 0.9982% | 3,444 |
| Return on Equity (ROE) | 11.3226% | 1,816 |
| Retained earnings to average equity (ytd only) | -8.6515% | 5,058 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8756% | 1,628 |
| Assets per employee ($millions) | 2.8716% | 5,042 |
| Cash dividends to net income (ytd only)* | 176.4085% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,056 |
| Loan loss allowance to noncurrent loans | 117.5150% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 2,286 |
| Noncurrent loans to loans | 0.9464% | 1,769 |
| Net loans and leases to total assets | 62.3221% | 3,471 |
| Net loans and leases to deposits | 68.7919% | 3,857 |
| Net loans and leases to core deposits | 69.3621% | 4,117 |
| Total domestic deposits to total assets | 90.5950% | 257 |
| Equity capital to assets | 8.9451% | 4,720 |
| Core capital (leverage) ratio | 8.8895% | 4,728 |
| Tier 1 risk-based capital ratio | 14.6500% | 3,034 |
| Total risk-based capital ratio | 15.7879% | 3,014 |
| Memoranda: | ||
| Average total assets | $113,809,500 | 3,882 |
| Average earning assets | $107,362,500 | 3,853 |
| Average equity | $10,033,000 | 4,322 |
| Average total loans | $70,163,500 | 3,860 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 3,232 |
| Cost of funding earning assets | 0.2557% | 4,776 |
| Net interest margin | 4.0077% | 1,960 |
| Noninterest income to average assets | 0.3843% | 3,531 |
| Noninterest expense to average assets | 3.1756% | 1,613 |
| Loan and lease loss provision to assets | 0.0351% | 3,499 |
| Net operating income to assets | 0.9544% | 3,202 |
| Return on assets (ROA) | 0.9492% | 3,232 |
| Pretax return on assets | 0.9518% | 3,752 |
| Return on Equity (ROE) | 11.6084% | 1,862 |
| Retained earnings to average equity (ytd only) | 6.4794% | 1,933 |
| Net charge-offs to loans | 0.0190% | 3,068 |
| Credit loss provision to net charge-offs | 315.3846% | 990 |
| Earnings coverage of net charge-offs (x) | 89.1538% | 799 |
| Efficiency ratio | 76.1963% | 1,331 |
| Assets per employee ($millions) | 2.8906% | 5,049 |
| Cash dividends to net income (ytd only)* | 44.1839% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 3,076 |
| Loan loss allowance to noncurrent loans | 78.5714% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 1,651 |
| Noncurrent loans to loans | 1.4051% | 1,108 |
| Net loans and leases to total assets | 59.6541% | 3,810 |
| Net loans and leases to deposits | 65.6373% | 4,144 |
| Net loans and leases to core deposits | 66.1612% | 4,343 |
| Total domestic deposits to total assets | 90.8843% | 233 |
| Equity capital to assets | 8.6902% | 4,810 |
| Core capital (leverage) ratio | 8.9029% | 4,736 |
| Tier 1 risk-based capital ratio | 14.8528% | 2,905 |
| Total risk-based capital ratio | 15.9607% | 2,889 |
| Memoranda: | ||
| Average total assets | $116,829,800 | 3,841 |
| Average earning assets | $110,287,600 | 3,796 |
| Average equity | $9,553,400 | 4,380 |
| Average total loans | $68,541,000 | 3,899 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 3,383 |
| Cost of funding earning assets | 0.2311% | 4,885 |
| Net interest margin | 3.9491% | 2,132 |
| Noninterest income to average assets | 0.3096% | 4,075 |
| Noninterest expense to average assets | 3.1679% | 1,607 |
| Loan and lease loss provision to assets | 0.0330% | 3,355 |
| Net operating income to assets | 0.8401% | 3,775 |
| Return on assets (ROA) | 0.8401% | 3,780 |
| Pretax return on assets | 0.8435% | 4,185 |
| Return on Equity (ROE) | 10.4348% | 2,419 |
| Retained earnings to average equity (ytd only) | 3.5066% | 4,020 |
| Net charge-offs to loans | 0.0215% | 2,708 |
| Credit loss provision to net charge-offs | 263.6364% | 1,130 |
| Earnings coverage of net charge-offs (x) | 69.9823% | 958 |
| Efficiency ratio | 78.3282% | 1,089 |
| Assets per employee ($millions) | 2.8339% | 5,141 |
| Cash dividends to net income (ytd only)* | 66.3957% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,144 |
| Loan loss allowance to noncurrent loans | 64.7911% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.6800% | 738 |
| Noncurrent loans to loans | 1.7092% | 911 |
| Net loans and leases to total assets | 58.4117% | 3,993 |
| Net loans and leases to deposits | 63.9588% | 4,328 |
| Net loans and leases to core deposits | 64.6251% | 4,482 |
| Total domestic deposits to total assets | 91.3271% | 162 |
| Equity capital to assets | 8.1996% | 5,087 |
| Core capital (leverage) ratio | 8.3439% | 5,179 |
| Tier 1 risk-based capital ratio | 14.9227% | 2,921 |
| Total risk-based capital ratio | 16.0625% | 2,885 |
| Memoranda: | ||
| Average total assets | $117,131,000 | 3,872 |
| Average earning assets | $110,774,250 | 3,831 |
| Average equity | $9,429,750 | 4,432 |
| Average total loans | $68,240,000 | 3,942 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0777% | 3,531 |
| Cost of funding earning assets | 0.2032% | 5,013 |
| Net interest margin | 3.8746% | 2,294 |
| Noninterest income to average assets | 0.3031% | 4,149 |
| Noninterest expense to average assets | 3.1436% | 1,680 |
| Loan and lease loss provision to assets | 0.0051% | 3,727 |
| Net operating income to assets | 0.8191% | 3,789 |
| Return on assets (ROA) | 0.8191% | 3,798 |
| Pretax return on assets | 0.8242% | 4,182 |
| Return on Equity (ROE) | 10.2370% | 2,458 |
| Retained earnings to average equity (ytd only) | 1.7239% | 4,558 |
| Net charge-offs to loans | 0.0323% | 2,204 |
| Credit loss provision to net charge-offs | 27.2727% | 2,644 |
| Earnings coverage of net charge-offs (x) | 44.2727% | 1,218 |
| Efficiency ratio | 79.1256% | 1,103 |
| Assets per employee ($millions) | 3.0354% | 5,076 |
| Cash dividends to net income (ytd only)* | 83.1601% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,497 |
| Loan loss allowance to noncurrent loans | 36.7735% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.6861% | 732 |
| Noncurrent loans to loans | 2.8750% | 407 |
| Net loans and leases to total assets | 58.0262% | 3,988 |
| Net loans and leases to deposits | 63.3036% | 4,331 |
| Net loans and leases to core deposits | 63.9465% | 4,491 |
| Total domestic deposits to total assets | 91.6634% | 126 |
| Equity capital to assets | 7.9751% | 5,230 |
| Core capital (leverage) ratio | 8.4356% | 5,151 |
| Tier 1 risk-based capital ratio | 14.2851% | 3,211 |
| Total risk-based capital ratio | 15.3568% | 3,229 |
| Memoranda: | ||
| Average total assets | $117,445,000 | 3,904 |
| Average earning assets | $111,238,670 | 3,853 |
| Average equity | $9,397,330 | 4,473 |
| Average total loans | $68,110,670 | 3,970 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 3,803 |
| Cost of funding earning assets | 0.1626% | 5,205 |
| Net interest margin | 3.7821% | 2,494 |
| Noninterest income to average assets | 0.3385% | 3,892 |
| Noninterest expense to average assets | 3.2280% | 1,507 |
| Loan and lease loss provision to assets | 0.0581% | 2,607 |
| Net operating income to assets | 0.6326% | 4,331 |
| Return on assets (ROA) | 0.6326% | 4,342 |
| Pretax return on assets | 0.6326% | 4,607 |
| Return on Equity (ROE) | 7.8929% | 3,422 |
| Retained earnings to average equity (ytd only) | -3.2425% | 5,095 |
| Net charge-offs to loans | 0.1601% | 882 |
| Credit loss provision to net charge-offs | 62.9630% | 1,879 |
| Earnings coverage of net charge-offs (x) | 7.4815% | 2,087 |
| Efficiency ratio | 82.3735% | 914 |
| Assets per employee ($millions) | 3.1239% | 5,071 |
| Cash dividends to net income (ytd only)* | 141.0811% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,475 |
| Loan loss allowance to noncurrent loans | 32.7078% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 2.0436% | 548 |
| Noncurrent loans to loans | 3.3199% | 328 |
| Net loans and leases to total assets | 57.6893% | 3,968 |
| Net loans and leases to deposits | 62.9713% | 4,277 |
| Net loans and leases to core deposits | 63.6262% | 4,446 |
| Total domestic deposits to total assets | 91.6121% | 171 |
| Equity capital to assets | 8.0237% | 5,263 |
| Core capital (leverage) ratio | 8.2685% | 5,281 |
| Tier 1 risk-based capital ratio | 14.2125% | 3,276 |
| Total risk-based capital ratio | 15.2932% | 3,274 |
| Memoranda: | ||
| Average total assets | $116,977,000 | 3,949 |
| Average earning assets | $110,732,000 | 3,907 |
| Average equity | $9,375,500 | 4,523 |
| Average total loans | $67,453,000 | 4,027 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7647% | 4,170 |
| Cost of funding earning assets | 0.1743% | 5,129 |
| Net interest margin | 3.5904% | 3,204 |
| Noninterest income to average assets | 0.4353% | 3,402 |
| Noninterest expense to average assets | 3.0488% | 2,014 |
| Loan and lease loss provision to assets | 0.0574% | 3,082 |
| Net operating income to assets | 0.7155% | 3,537 |
| Return on assets (ROA) | 0.7181% | 3,572 |
| Pretax return on assets | 0.7198% | 4,463 |
| Return on Equity (ROE) | 9.0022% | 2,318 |
| Retained earnings to average equity (ytd only) | 3.8351% | 2,919 |
| Net charge-offs to loans | 0.0378% | 3,038 |
| Credit loss provision to net charge-offs | 279.1667% | 1,007 |
| Earnings coverage of net charge-offs (x) | 37.6667% | 1,310 |
| Efficiency ratio | 79.7400% | 1,129 |
| Assets per employee ($millions) | 2.9593% | 5,226 |
| Cash dividends to net income (ytd only)* | 57.3986% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,361 |
| Loan loss allowance to noncurrent loans | 40.0432% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.6702% | 777 |
| Noncurrent loans to loans | 2.7454% | 444 |
| Net loans and leases to total assets | 56.3930% | 4,150 |
| Net loans and leases to deposits | 61.5377% | 4,483 |
| Net loans and leases to core deposits | 62.3080% | 4,643 |
| Total domestic deposits to total assets | 91.6398% | 120 |
| Equity capital to assets | 8.0062% | 5,391 |
| Core capital (leverage) ratio | 8.1647% | 5,368 |
| Tier 1 risk-based capital ratio | 13.0812% | 3,860 |
| Total risk-based capital ratio | 14.0814% | 3,913 |
| Memoranda: | ||
| Average total assets | $116,702,800 | 3,952 |
| Average earning assets | $110,127,800 | 3,914 |
| Average equity | $9,308,800 | 4,561 |
| Average total loans | $63,506,400 | 4,111 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7170% | 4,277 |
| Cost of funding earning assets | 0.1763% | 5,154 |
| Net interest margin | 3.5407% | 3,348 |
| Noninterest income to average assets | 0.4288% | 3,487 |
| Noninterest expense to average assets | 3.0132% | 2,076 |
| Loan and lease loss provision to assets | 0.0447% | 3,203 |
| Net operating income to assets | 0.7074% | 3,943 |
| Return on assets (ROA) | 0.7097% | 3,993 |
| Pretax return on assets | 0.7120% | 4,578 |
| Return on Equity (ROE) | 8.9061% | 2,658 |
| Retained earnings to average equity (ytd only) | 2.0143% | 4,633 |
| Net charge-offs to loans | 0.0555% | 2,341 |
| Credit loss provision to net charge-offs | 150.0000% | 1,689 |
| Earnings coverage of net charge-offs (x) | 25.3046% | 1,730 |
| Efficiency ratio | 79.9757% | 1,108 |
| Assets per employee ($millions) | 2.9121% | 5,320 |
| Cash dividends to net income (ytd only)* | 77.3830% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 3,539 |
| Loan loss allowance to noncurrent loans | 35.8186% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 1.7790% | 786 |
| Noncurrent loans to loans | 3.0448% | 411 |
| Net loans and leases to total assets | 54.0077% | 4,415 |
| Net loans and leases to deposits | 58.8843% | 4,688 |
| Net loans and leases to core deposits | 59.7530% | 4,828 |
| Total domestic deposits to total assets | 91.7183% | 83 |
| Equity capital to assets | 7.9014% | 5,542 |
| Core capital (leverage) ratio | 7.9257% | 5,535 |
| Tier 1 risk-based capital ratio | 13.5048% | 3,697 |
| Total risk-based capital ratio | 14.5172% | 3,756 |
| Memoranda: | ||
| Average total assets | $116,285,750 | 3,994 |
| Average earning assets | $109,654,500 | 3,962 |
| Average equity | $9,266,750 | 4,617 |
| Average total loans | $62,509,250 | 4,172 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 4,123 |
| Cost of funding earning assets | 0.1730% | 5,186 |
| Net interest margin | 3.5601% | 3,184 |
| Noninterest income to average assets | 0.4338% | 3,461 |
| Noninterest expense to average assets | 3.0543% | 1,960 |
| Loan and lease loss provision to assets | 0.0399% | 3,211 |
| Net operating income to assets | 0.6924% | 3,880 |
| Return on assets (ROA) | 0.6959% | 3,931 |
| Pretax return on assets | 0.6994% | 4,549 |
| Return on Equity (ROE) | 8.7070% | 2,661 |
| Retained earnings to average equity (ytd only) | 0.9337% | 4,857 |
| Net charge-offs to loans | 0.0714% | 1,921 |
| Credit loss provision to net charge-offs | 104.5455% | 1,957 |
| Earnings coverage of net charge-offs (x) | 19.2727% | 1,844 |
| Efficiency ratio | 80.5861% | 1,148 |
| Assets per employee ($millions) | 2.9058% | 5,351 |
| Cash dividends to net income (ytd only)* | 89.2768% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,509 |
| Loan loss allowance to noncurrent loans | 59.3883% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.1331% | 1,528 |
| Noncurrent loans to loans | 1.8744% | 935 |
| Net loans and leases to total assets | 53.4242% | 4,444 |
| Net loans and leases to deposits | 58.3161% | 4,735 |
| Net loans and leases to core deposits | 59.1984% | 4,868 |
| Total domestic deposits to total assets | 91.6115% | 119 |
| Equity capital to assets | 8.0255% | 5,526 |
| Core capital (leverage) ratio | 8.2761% | 5,369 |
| Tier 1 risk-based capital ratio | 13.1334% | 3,923 |
| Total risk-based capital ratio | 14.1114% | 4,000 |
| Memoranda: | ||
| Average total assets | $115,249,000 | 4,040 |
| Average earning assets | $108,649,670 | 4,001 |
| Average equity | $9,211,000 | 4,648 |
| Average total loans | $61,614,330 | 4,219 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 4,026 |
| Cost of funding earning assets | 0.1631% | 5,284 |
| Net interest margin | 3.5620% | 3,036 |
| Noninterest income to average assets | 0.3764% | 3,833 |
| Noninterest expense to average assets | 3.0987% | 1,866 |
| Loan and lease loss provision to assets | 0.0802% | 2,208 |
| Net operating income to assets | 0.5472% | 4,391 |
| Return on assets (ROA) | 0.5542% | 4,406 |
| Pretax return on assets | 0.5542% | 4,833 |
| Return on Equity (ROE) | 6.9489% | 3,426 |
| Retained earnings to average equity (ytd only) | -1.0052% | 5,067 |
| Net charge-offs to loans | 0.1639% | 990 |
| Credit loss provision to net charge-offs | 92.0000% | 1,682 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 2,157 |
| Efficiency ratio | 83.1618% | 1,049 |
| Assets per employee ($millions) | 2.9685% | 5,379 |
| Cash dividends to net income (ytd only)* | 114.4654% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 3,401 |
| Loan loss allowance to noncurrent loans | 119.7595% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.7296% | 2,471 |
| Noncurrent loans to loans | 0.9623% | 2,117 |
| Net loans and leases to total assets | 52.9991% | 4,425 |
| Net loans and leases to deposits | 57.9583% | 4,700 |
| Net loans and leases to core deposits | 58.7177% | 4,842 |
| Total domestic deposits to total assets | 91.4434% | 185 |
| Equity capital to assets | 8.1444% | 5,449 |
| Core capital (leverage) ratio | 8.1413% | 5,481 |
| Tier 1 risk-based capital ratio | 13.8503% | 3,575 |
| Total risk-based capital ratio | 14.8860% | 3,601 |
| Memoranda: | ||
| Average total assets | $114,758,500 | 4,084 |
| Average earning assets | $107,916,500 | 4,048 |
| Average equity | $9,152,500 | 4,691 |
| Average total loans | $61,024,500 | 4,270 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7332% | 4,114 |
| Cost of funding earning assets | 0.2095% | 4,928 |
| Net interest margin | 3.5238% | 3,340 |
| Noninterest income to average assets | 0.3795% | 4,036 |
| Noninterest expense to average assets | 2.9836% | 2,394 |
| Loan and lease loss provision to assets | 0.0360% | 3,645 |
| Net operating income to assets | 0.6835% | 3,855 |
| Return on assets (ROA) | 0.6835% | 3,969 |
| Pretax return on assets | 0.6853% | 4,543 |
| Return on Equity (ROE) | 8.4947% | 2,676 |
| Retained earnings to average equity (ytd only) | 3.2101% | 3,628 |
| Net charge-offs to loans | 0.1121% | 2,143 |
| Credit loss provision to net charge-offs | 60.2941% | 3,241 |
| Earnings coverage of net charge-offs (x) | 12.0735% | 2,485 |
| Efficiency ratio | 80.5312% | 1,355 |
| Assets per employee ($millions) | 3.1545% | 5,210 |
| Cash dividends to net income (ytd only)* | 62.2108% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 3,514 |
| Loan loss allowance to noncurrent loans | 119.2833% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 2,504 |
| Noncurrent loans to loans | 0.9518% | 2,183 |
| Net loans and leases to total assets | 52.1518% | 4,593 |
| Net loans and leases to deposits | 56.8322% | 4,864 |
| Net loans and leases to core deposits | 57.5479% | 4,993 |
| Total domestic deposits to total assets | 91.7646% | 130 |
| Equity capital to assets | 7.8122% | 5,633 |
| Core capital (leverage) ratio | 8.0199% | 5,610 |
| Tier 1 risk-based capital ratio | 14.0492% | 3,440 |
| Total risk-based capital ratio | 15.1002% | 3,460 |
| Memoranda: | ||
| Average total assets | $113,821,600 | 4,095 |
| Average earning assets | $107,413,200 | 4,052 |
| Average equity | $9,158,600 | 4,726 |
| Average total loans | $60,655,600 | 4,277 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8133% | 3,885 |
| Cost of funding earning assets | 0.2094% | 4,983 |
| Net interest margin | 3.6039% | 3,062 |
| Noninterest income to average assets | 0.2723% | 4,824 |
| Noninterest expense to average assets | 2.8777% | 2,709 |
| Loan and lease loss provision to assets | 0.0377% | 3,488 |
| Net operating income to assets | 0.7627% | 3,543 |
| Return on assets (ROA) | 0.7627% | 3,679 |
| Pretax return on assets | 0.7651% | 4,423 |
| Return on Equity (ROE) | 9.4086% | 2,305 |
| Retained earnings to average equity (ytd only) | 2.3703% | 4,495 |
| Net charge-offs to loans | 0.0662% | 2,390 |
| Credit loss provision to net charge-offs | 106.6667% | 2,257 |
| Earnings coverage of net charge-offs (x) | 22.6995% | 1,743 |
| Efficiency ratio | 78.1871% | 1,668 |
| Assets per employee ($millions) | 2.9978% | 5,395 |
| Cash dividends to net income (ytd only)* | 74.8067% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 3,189 |
| Loan loss allowance to noncurrent loans | 95.9157% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6671% | 2,907 |
| Noncurrent loans to loans | 1.2592% | 1,776 |
| Net loans and leases to total assets | 50.9340% | 4,742 |
| Net loans and leases to deposits | 55.5779% | 5,020 |
| Net loans and leases to core deposits | 56.2759% | 5,137 |
| Total domestic deposits to total assets | 91.6444% | 104 |
| Equity capital to assets | 7.9271% | 5,763 |
| Core capital (leverage) ratio | 7.9035% | 5,720 |
| Tier 1 risk-based capital ratio | 14.4052% | 3,329 |
| Total risk-based capital ratio | 15.5435% | 3,333 |
| Memoranda: | ||
| Average total assets | $113,098,250 | 4,141 |
| Average earning assets | $106,955,500 | 4,085 |
| Average equity | $9,168,750 | 4,773 |
| Average total loans | $60,427,500 | 4,315 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8442% | 3,792 |
| Cost of funding earning assets | 0.2161% | 4,982 |
| Net interest margin | 3.6281% | 2,982 |
| Noninterest income to average assets | 0.2289% | 5,115 |
| Noninterest expense to average assets | 2.8956% | 2,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7530% | 3,532 |
| Return on assets (ROA) | 0.7530% | 3,688 |
| Pretax return on assets | 0.7565% | 4,435 |
| Return on Equity (ROE) | 9.2166% | 2,395 |
| Retained earnings to average equity (ytd only) | 1.1603% | 4,915 |
| Net charge-offs to loans | 0.0992% | 1,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 14.1000% | 2,078 |
| Efficiency ratio | 79.2850% | 1,593 |
| Assets per employee ($millions) | 2.8099% | 5,600 |
| Cash dividends to net income (ytd only)* | 87.4109% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 3,538 |
| Loan loss allowance to noncurrent loans | 127.2395% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.6531% | 3,046 |
| Noncurrent loans to loans | 0.9173% | 2,441 |
| Net loans and leases to total assets | 52.4361% | 4,632 |
| Net loans and leases to deposits | 57.3962% | 4,935 |
| Net loans and leases to core deposits | 58.1471% | 5,062 |
| Total domestic deposits to total assets | 91.3581% | 132 |
| Equity capital to assets | 8.2140% | 5,727 |
| Core capital (leverage) ratio | 8.1962% | 5,603 |
| Tier 1 risk-based capital ratio | 14.2208% | 3,483 |
| Total risk-based capital ratio | 15.3081% | 3,488 |
| Memoranda: | ||
| Average total assets | $111,825,670 | 4,190 |
| Average earning assets | $105,509,670 | 4,141 |
| Average equity | $9,135,670 | 4,814 |
| Average total loans | $60,477,330 | 4,328 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8423% | 3,795 |
| Cost of funding earning assets | 0.2124% | 5,080 |
| Net interest margin | 3.6299% | 2,968 |
| Noninterest income to average assets | 0.2223% | 5,144 |
| Noninterest expense to average assets | 2.8868% | 2,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7603% | 3,435 |
| Return on assets (ROA) | 0.7603% | 3,546 |
| Pretax return on assets | 0.7674% | 4,314 |
| Return on Equity (ROE) | 9.3315% | 2,272 |
| Retained earnings to average equity (ytd only) | 0.4402% | 5,008 |
| Net charge-offs to loans | 0.1576% | 1,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.9167% | 2,023 |
| Efficiency ratio | 78.9990% | 1,747 |
| Assets per employee ($millions) | 2.8449% | 5,651 |
| Cash dividends to net income (ytd only)* | 95.2830% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 3,838 |
| Loan loss allowance to noncurrent loans | 83.6710% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 0.7733% | 2,760 |
| Noncurrent loans to loans | 1.3617% | 1,746 |
| Net loans and leases to total assets | 54.8971% | 4,364 |
| Net loans and leases to deposits | 60.1182% | 4,708 |
| Net loans and leases to core deposits | 60.7617% | 4,888 |
| Total domestic deposits to total assets | 91.3152% | 196 |
| Equity capital to assets | 8.2287% | 5,730 |
| Core capital (leverage) ratio | 8.1159% | 5,711 |
| Tier 1 risk-based capital ratio | 13.7952% | 3,816 |
| Total risk-based capital ratio | 14.8641% | 3,852 |
| Memoranda: | ||
| Average total assets | $111,541,500 | 4,231 |
| Average earning assets | $105,458,000 | 4,173 |
| Average equity | $9,087,500 | 4,844 |
| Average total loans | $60,900,500 | 4,347 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 3,853 |
| Cost of funding earning assets | 0.2599% | 4,689 |
| Net interest margin | 3.5983% | 3,144 |
| Noninterest income to average assets | 0.3111% | 4,667 |
| Noninterest expense to average assets | 2.9862% | 2,596 |
| Loan and lease loss provision to assets | 0.0985% | 2,341 |
| Net operating income to assets | 0.6149% | 4,202 |
| Return on assets (ROA) | 0.6149% | 4,297 |
| Pretax return on assets | 0.6168% | 4,790 |
| Return on Equity (ROE) | 7.5513% | 3,216 |
| Retained earnings to average equity (ytd only) | 5.2000% | 2,279 |
| Net charge-offs to loans | 0.1347% | 2,013 |
| Credit loss provision to net charge-offs | 140.7895% | 1,871 |
| Earnings coverage of net charge-offs (x) | 10.2237% | 2,713 |
| Efficiency ratio | 80.6764% | 1,589 |
| Assets per employee ($millions) | 2.8751% | 5,640 |
| Cash dividends to net income (ytd only)* | 31.1377% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 3,444 |
| Loan loss allowance to noncurrent loans | 107.5556% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 3,094 |
| Noncurrent loans to loans | 1.1215% | 2,099 |
| Net loans and leases to total assets | 53.0304% | 4,596 |
| Net loans and leases to deposits | 57.9691% | 4,911 |
| Net loans and leases to core deposits | 58.5802% | 5,073 |
| Total domestic deposits to total assets | 91.4804% | 181 |
| Equity capital to assets | 8.0665% | 5,828 |
| Core capital (leverage) ratio | 8.1196% | 5,766 |
| Tier 1 risk-based capital ratio | 13.9186% | 3,760 |
| Total risk-based capital ratio | 15.0351% | 3,763 |
| Memoranda: | ||
| Average total assets | $108,633,200 | 4,286 |
| Average earning assets | $102,354,800 | 4,232 |
| Average equity | $8,846,200 | 4,883 |
| Average total loans | $56,423,800 | 4,488 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8154% | 4,041 |
| Cost of funding earning assets | 0.2707% | 4,653 |
| Net interest margin | 3.5446% | 3,364 |
| Noninterest income to average assets | 0.3254% | 4,613 |
| Noninterest expense to average assets | 2.9237% | 2,770 |
| Loan and lease loss provision to assets | 0.0977% | 2,219 |
| Net operating income to assets | 0.6384% | 4,194 |
| Return on assets (ROA) | 0.6384% | 4,308 |
| Pretax return on assets | 0.6409% | 4,863 |
| Return on Equity (ROE) | 7.8211% | 3,178 |
| Retained earnings to average equity (ytd only) | 4.6684% | 3,149 |
| Net charge-offs to loans | 0.0913% | 2,256 |
| Credit loss provision to net charge-offs | 207.8947% | 1,298 |
| Earnings coverage of net charge-offs (x) | 15.7091% | 2,162 |
| Efficiency ratio | 79.8311% | 1,680 |
| Assets per employee ($millions) | 2.7688% | 5,780 |
| Cash dividends to net income (ytd only)* | 40.3108% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 3,315 |
| Loan loss allowance to noncurrent loans | 74.1188% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.0934% | 2,171 |
| Noncurrent loans to loans | 1.6989% | 1,425 |
| Net loans and leases to total assets | 52.1110% | 4,748 |
| Net loans and leases to deposits | 57.0111% | 5,072 |
| Net loans and leases to core deposits | 57.6195% | 5,212 |
| Total domestic deposits to total assets | 91.4051% | 172 |
| Equity capital to assets | 8.1217% | 5,917 |
| Core capital (leverage) ratio | 7.9862% | 5,912 |
| Tier 1 risk-based capital ratio | 13.9201% | 3,895 |
| Total risk-based capital ratio | 15.0714% | 3,897 |
| Memoranda: | ||
| Average total assets | $107,759,000 | 4,351 |
| Average earning assets | $101,447,000 | 4,294 |
| Average equity | $8,796,500 | 4,953 |
| Average total loans | $55,482,500 | 4,558 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7608% | 4,203 |
| Cost of funding earning assets | 0.2830% | 4,576 |
| Net interest margin | 3.4778% | 3,592 |
| Noninterest income to average assets | 0.3241% | 4,627 |
| Noninterest expense to average assets | 2.9055% | 2,872 |
| Loan and lease loss provision to assets | 0.1274% | 1,746 |
| Net operating income to assets | 0.5564% | 4,535 |
| Return on assets (ROA) | 0.5564% | 4,640 |
| Pretax return on assets | 0.5601% | 5,075 |
| Return on Equity (ROE) | 6.8039% | 3,726 |
| Retained earnings to average equity (ytd only) | 3.2530% | 3,976 |
| Net charge-offs to loans | 0.1505% | 1,585 |
| Credit loss provision to net charge-offs | 165.8537% | 1,435 |
| Earnings coverage of net charge-offs (x) | 8.9512% | 2,507 |
| Efficiency ratio | 80.8655% | 1,641 |
| Assets per employee ($millions) | 2.7707% | 5,841 |
| Cash dividends to net income (ytd only)* | 52.1886% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 3,119 |
| Loan loss allowance to noncurrent loans | 94.7507% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.9097% | 2,713 |
| Noncurrent loans to loans | 1.3968% | 1,930 |
| Net loans and leases to total assets | 49.8177% | 4,949 |
| Net loans and leases to deposits | 54.6546% | 5,212 |
| Net loans and leases to core deposits | 55.1118% | 5,367 |
| Total domestic deposits to total assets | 91.1500% | 266 |
| Equity capital to assets | 8.1078% | 5,931 |
| Core capital (leverage) ratio | 8.2112% | 5,780 |
| Tier 1 risk-based capital ratio | 14.6552% | 3,549 |
| Total risk-based capital ratio | 15.8669% | 3,498 |
| Memoranda: | ||
| Average total assets | $106,761,330 | 4,406 |
| Average earning assets | $100,351,000 | 4,358 |
| Average equity | $8,730,330 | 5,005 |
| Average total loans | $54,493,330 | 4,629 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 4,162 |
| Cost of funding earning assets | 0.2967% | 4,476 |
| Net interest margin | 3.4644% | 3,564 |
| Noninterest income to average assets | 0.3694% | 4,252 |
| Noninterest expense to average assets | 2.8648% | 3,020 |
| Loan and lease loss provision to assets | 0.0905% | 2,180 |
| Net operating income to assets | 0.6634% | 3,985 |
| Return on assets (ROA) | 0.6634% | 4,109 |
| Pretax return on assets | 0.6710% | 4,686 |
| Return on Equity (ROE) | 8.0780% | 2,921 |
| Retained earnings to average equity (ytd only) | 7.4814% | 1,773 |
| Net charge-offs to loans | -0.0220% | 5,091 |
| Credit loss provision to net charge-offs | -800.0000% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0021% | 2,040 |
| Assets per employee ($millions) | 2.8461% | 5,829 |
| Cash dividends to net income (ytd only)* | 7.3864% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 3,252 |
| Loan loss allowance to noncurrent loans | 122.5806% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7720% | 3,178 |
| Noncurrent loans to loans | 1.0837% | 2,593 |
| Net loans and leases to total assets | 50.9268% | 4,753 |
| Net loans and leases to deposits | 56.0791% | 5,044 |
| Net loans and leases to core deposits | 56.7281% | 5,208 |
| Total domestic deposits to total assets | 90.8125% | 433 |
| Equity capital to assets | 8.4003% | 5,803 |
| Core capital (leverage) ratio | 8.1922% | 5,812 |
| Tier 1 risk-based capital ratio | 14.7263% | 3,588 |
| Total risk-based capital ratio | 15.9410% | 3,534 |
| Memoranda: | ||
| Average total assets | $106,114,000 | 4,452 |
| Average earning assets | $99,757,000 | 4,403 |
| Average equity | $8,715,000 | 5,057 |
| Average total loans | $54,463,500 | 4,653 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7501% | 4,642 |
| Cost of funding earning assets | 0.3894% | 3,801 |
| Net interest margin | 3.3607% | 4,370 |
| Noninterest income to average assets | 0.3669% | 4,456 |
| Noninterest expense to average assets | 2.8827% | 3,200 |
| Loan and lease loss provision to assets | 0.2680% | 813 |
| Net operating income to assets | 0.3640% | 5,342 |
| Return on assets (ROA) | 0.3650% | 5,410 |
| Pretax return on assets | 0.3669% | 5,569 |
| Return on Equity (ROE) | 4.4964% | 4,891 |
| Retained earnings to average equity (ytd only) | 0.7026% | 5,452 |
| Net charge-offs to loans | 0.4384% | 965 |
| Credit loss provision to net charge-offs | 123.6842% | 1,936 |
| Earnings coverage of net charge-offs (x) | 2.9254% | 4,027 |
| Efficiency ratio | 81.9730% | 1,664 |
| Assets per employee ($millions) | 2.8137% | 5,914 |
| Cash dividends to net income (ytd only)* | 84.3750% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 3,578 |
| Loan loss allowance to noncurrent loans | 126.8248% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7239% | 3,399 |
| Noncurrent loans to loans | 1.0041% | 2,823 |
| Net loans and leases to total assets | 50.3928% | 4,930 |
| Net loans and leases to deposits | 55.2518% | 5,232 |
| Net loans and leases to core deposits | 55.8775% | 5,393 |
| Total domestic deposits to total assets | 91.2057% | 303 |
| Equity capital to assets | 8.0283% | 6,056 |
| Core capital (leverage) ratio | 7.9268% | 6,037 |
| Tier 1 risk-based capital ratio | 14.7584% | 3,626 |
| Total risk-based capital ratio | 15.9525% | 3,584 |
| Memoranda: | ||
| Average total assets | $105,212,400 | 4,472 |
| Average earning assets | $98,611,600 | 4,435 |
| Average equity | $8,540,200 | 5,075 |
| Average total loans | $52,008,400 | 4,753 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 4,831 |
| Cost of funding earning assets | 0.4074% | 3,704 |
| Net interest margin | 3.3013% | 4,602 |
| Noninterest income to average assets | 0.3525% | 4,618 |
| Noninterest expense to average assets | 2.8744% | 3,219 |
| Loan and lease loss provision to assets | 0.0903% | 2,548 |
| Net operating income to assets | 0.4784% | 4,952 |
| Return on assets (ROA) | 0.4797% | 5,029 |
| Pretax return on assets | 0.4822% | 5,372 |
| Return on Equity (ROE) | 5.8932% | 4,285 |
| Retained earnings to average equity (ytd only) | 0.8284% | 5,551 |
| Net charge-offs to loans | 0.2051% | 1,830 |
| Credit loss provision to net charge-offs | 89.8734% | 2,435 |
| Earnings coverage of net charge-offs (x) | 5.6836% | 3,217 |
| Efficiency ratio | 83.4195% | 1,455 |
| Assets per employee ($millions) | 2.8266% | 5,934 |
| Cash dividends to net income (ytd only)* | 85.9425% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 4,304 |
| Loan loss allowance to noncurrent loans | 150.7143% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 4,221 |
| Noncurrent loans to loans | 0.7867% | 3,615 |
| Net loans and leases to total assets | 49.1156% | 5,102 |
| Net loans and leases to deposits | 53.8524% | 5,404 |
| Net loans and leases to core deposits | 54.4584% | 5,535 |
| Total domestic deposits to total assets | 91.2040% | 303 |
| Equity capital to assets | 8.0084% | 6,132 |
| Core capital (leverage) ratio | 7.9131% | 6,125 |
| Tier 1 risk-based capital ratio | 15.0310% | 3,565 |
| Total risk-based capital ratio | 16.1395% | 3,590 |
| Memoranda: | ||
| Average total assets | $104,785,000 | 4,524 |
| Average earning assets | $98,182,000 | 4,491 |
| Average equity | $8,529,250 | 5,124 |
| Average total loans | $51,366,500 | 4,819 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 4,912 |
| Cost of funding earning assets | 0.4196% | 3,661 |
| Net interest margin | 3.2641% | 4,719 |
| Noninterest income to average assets | 0.3561% | 4,571 |
| Noninterest expense to average assets | 2.8698% | 3,270 |
| Loan and lease loss provision to assets | 0.0847% | 2,614 |
| Net operating income to assets | 0.4523% | 5,003 |
| Return on assets (ROA) | 0.4542% | 5,075 |
| Pretax return on assets | 0.4581% | 5,398 |
| Return on Equity (ROE) | 5.5497% | 4,411 |
| Retained earnings to average equity (ytd only) | -0.8701% | 5,835 |
| Net charge-offs to loans | 0.1657% | 2,067 |
| Credit loss provision to net charge-offs | 104.7619% | 1,910 |
| Earnings coverage of net charge-offs (x) | 6.6905% | 2,737 |
| Efficiency ratio | 84.1422% | 1,495 |
| Assets per employee ($millions) | 2.9081% | 5,878 |
| Cash dividends to net income (ytd only)* | 115.6780% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 4,255 |
| Loan loss allowance to noncurrent loans | 2,143.3333% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 5,556 |
| Noncurrent loans to loans | 0.0576% | 5,865 |
| Net loans and leases to total assets | 49.1422% | 5,060 |
| Net loans and leases to deposits | 53.9724% | 5,360 |
| Net loans and leases to core deposits | 54.5949% | 5,514 |
| Total domestic deposits to total assets | 91.0507% | 401 |
| Equity capital to assets | 8.1622% | 6,055 |
| Core capital (leverage) ratio | 8.2943% | 5,854 |
| Tier 1 risk-based capital ratio | 15.0687% | 3,598 |
| Total risk-based capital ratio | 16.2095% | 3,602 |
| Memoranda: | ||
| Average total assets | $103,909,330 | 4,582 |
| Average earning assets | $97,240,670 | 4,549 |
| Average equity | $8,505,000 | 5,155 |
| Average total loans | $50,692,330 | 4,875 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5948% | 5,181 |
| Cost of funding earning assets | 0.4251% | 3,697 |
| Net interest margin | 3.1697% | 5,015 |
| Noninterest income to average assets | 0.4366% | 3,891 |
| Noninterest expense to average assets | 2.8903% | 3,249 |
| Loan and lease loss provision to assets | 0.1700% | 1,417 |
| Net operating income to assets | 0.3362% | 5,370 |
| Return on assets (ROA) | 0.3362% | 5,421 |
| Pretax return on assets | 0.3439% | 5,609 |
| Return on Equity (ROE) | 4.1014% | 4,988 |
| Retained earnings to average equity (ytd only) | -4.4785% | 6,091 |
| Net charge-offs to loans | -0.0160% | 5,239 |
| Credit loss provision to net charge-offs | -2,200.0000% | 5,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9035% | 1,562 |
| Assets per employee ($millions) | 2.8203% | 6,081 |
| Cash dividends to net income (ytd only)* | 209.1954% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 3,808 |
| Loan loss allowance to noncurrent loans | 954.1667% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 4,687 |
| Noncurrent loans to loans | 0.1423% | 5,670 |
| Net loans and leases to total assets | 49.1727% | 4,984 |
| Net loans and leases to deposits | 54.1145% | 5,272 |
| Net loans and leases to core deposits | 54.9211% | 5,442 |
| Total domestic deposits to total assets | 90.8679% | 619 |
| Equity capital to assets | 8.2900% | 5,835 |
| Core capital (leverage) ratio | 8.1613% | 5,984 |
| Tier 1 risk-based capital ratio | 15.3361% | 3,528 |
| Total risk-based capital ratio | 16.5852% | 3,486 |
| Memoranda: | ||
| Average total assets | $103,519,000 | 4,642 |
| Average earning assets | $96,918,000 | 4,598 |
| Average equity | $8,485,000 | 5,185 |
| Average total loans | $49,993,500 | 4,935 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7474% | 4,985 |
| Cost of funding earning assets | 0.4717% | 3,894 |
| Net interest margin | 3.2756% | 4,754 |
| Noninterest income to average assets | 0.4534% | 4,067 |
| Noninterest expense to average assets | 2.9876% | 3,085 |
| Loan and lease loss provision to assets | 0.0634% | 3,867 |
| Net operating income to assets | 0.4524% | 4,942 |
| Return on assets (ROA) | 0.4524% | 5,071 |
| Pretax return on assets | 0.4544% | 5,344 |
| Return on Equity (ROE) | 5.3549% | 4,471 |
| Retained earnings to average equity (ytd only) | 0.5859% | 5,574 |
| Net charge-offs to loans | 0.5371% | 1,234 |
| Credit loss provision to net charge-offs | 24.0602% | 4,368 |
| Earnings coverage of net charge-offs (x) | 1.9662% | 4,392 |
| Efficiency ratio | 85.2302% | 1,498 |
| Assets per employee ($millions) | 2.9307% | 5,939 |
| Cash dividends to net income (ytd only)* | 89.0591% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 4,154 |
| Loan loss allowance to noncurrent loans | 2,067.7419% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 4,956 |
| Noncurrent loans to loans | 0.0628% | 6,035 |
| Net loans and leases to total assets | 46.1898% | 5,470 |
| Net loans and leases to deposits | 50.7028% | 5,713 |
| Net loans and leases to core deposits | 51.4262% | 5,844 |
| Total domestic deposits to total assets | 91.0991% | 534 |
| Equity capital to assets | 8.1066% | 5,930 |
| Core capital (leverage) ratio | 8.2075% | 5,965 |
| Tier 1 risk-based capital ratio | 15.7299% | 3,233 |
| Total risk-based capital ratio | 16.9119% | 3,230 |
| Memoranda: | ||
| Average total assets | $101,017,000 | 4,716 |
| Average earning assets | $94,118,800 | 4,680 |
| Average equity | $8,534,200 | 5,201 |
| Average total loans | $49,526,600 | 4,979 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7770% | 4,938 |
| Cost of funding earning assets | 0.4850% | 3,914 |
| Net interest margin | 3.2920% | 4,672 |
| Noninterest income to average assets | 0.4711% | 3,994 |
| Noninterest expense to average assets | 2.9977% | 3,003 |
| Loan and lease loss provision to assets | 0.0854% | 3,352 |
| Net operating income to assets | 0.4471% | 5,037 |
| Return on assets (ROA) | 0.4471% | 5,176 |
| Pretax return on assets | 0.4498% | 5,499 |
| Return on Equity (ROE) | 5.2366% | 4,605 |
| Retained earnings to average equity (ytd only) | -1.1255% | 6,152 |
| Net charge-offs to loans | 0.4089% | 1,571 |
| Credit loss provision to net charge-offs | 42.1053% | 3,663 |
| Earnings coverage of net charge-offs (x) | 2.6382% | 3,953 |
| Efficiency ratio | 84.8508% | 1,492 |
| Assets per employee ($millions) | 2.7251% | 6,247 |
| Cash dividends to net income (ytd only)* | 121.4906% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 3,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 5,195 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 47.3477% | 5,415 |
| Net loans and leases to deposits | 52.0289% | 5,704 |
| Net loans and leases to core deposits | 52.7851% | 5,846 |
| Total domestic deposits to total assets | 91.0027% | 533 |
| Equity capital to assets | 8.1610% | 6,036 |
| Core capital (leverage) ratio | 8.1580% | 6,104 |
| Tier 1 risk-based capital ratio | 15.4196% | 3,512 |
| Total risk-based capital ratio | 16.6722% | 3,464 |
| Memoranda: | ||
| Average total assets | $99,894,750 | 4,784 |
| Average earning assets | $92,911,000 | 4,752 |
| Average equity | $8,529,500 | 5,264 |
| Average total loans | $49,564,750 | 5,026 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 4,818 |
| Cost of funding earning assets | 0.4920% | 3,970 |
| Net interest margin | 3.3112% | 4,530 |
| Noninterest income to average assets | 0.4763% | 3,982 |
| Noninterest expense to average assets | 3.0119% | 2,962 |
| Loan and lease loss provision to assets | 0.1297% | 2,699 |
| Net operating income to assets | 0.4135% | 5,169 |
| Return on assets (ROA) | 0.4135% | 5,330 |
| Pretax return on assets | 0.4175% | 5,599 |
| Return on Equity (ROE) | 4.7688% | 4,851 |
| Retained earnings to average equity (ytd only) | -3.2493% | 6,340 |
| Net charge-offs to loans | 0.6264% | 1,053 |
| Credit loss provision to net charge-offs | 41.2903% | 3,388 |
| Earnings coverage of net charge-offs (x) | 1.7419% | 3,952 |
| Efficiency ratio | 84.6241% | 1,562 |
| Assets per employee ($millions) | 2.5609% | 6,440 |
| Cash dividends to net income (ytd only)* | 168.1373% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 3,464 |
| Loan loss allowance to noncurrent loans | 75,200.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 5,158 |
| Noncurrent loans to loans | 0.0020% | 6,457 |
| Net loans and leases to total assets | 48.6338% | 5,269 |
| Net loans and leases to deposits | 53.5552% | 5,552 |
| Net loans and leases to core deposits | 54.3626% | 5,725 |
| Total domestic deposits to total assets | 90.8105% | 615 |
| Equity capital to assets | 8.3394% | 5,932 |
| Core capital (leverage) ratio | 8.5206% | 5,647 |
| Tier 1 risk-based capital ratio | 15.2726% | 3,614 |
| Total risk-based capital ratio | 16.5251% | 3,566 |
| Memoranda: | ||
| Average total assets | $98,675,330 | 4,850 |
| Average earning assets | $91,870,000 | 4,798 |
| Average equity | $8,555,670 | 5,287 |
| Average total loans | $49,491,330 | 5,045 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8161% | 4,772 |
| Cost of funding earning assets | 0.5039% | 4,046 |
| Net interest margin | 3.3123% | 4,472 |
| Noninterest income to average assets | 0.4364% | 4,210 |
| Noninterest expense to average assets | 3.0262% | 2,899 |
| Loan and lease loss provision to assets | 0.0612% | 3,616 |
| Net operating income to assets | 0.4242% | 5,031 |
| Return on assets (ROA) | 0.4242% | 5,184 |
| Pretax return on assets | 0.4323% | 5,463 |
| Return on Equity (ROE) | 4.7987% | 4,691 |
| Retained earnings to average equity (ytd only) | -7.7056% | 6,506 |
| Net charge-offs to loans | 1.0893% | 552 |
| Credit loss provision to net charge-offs | 11.1111% | 3,135 |
| Earnings coverage of net charge-offs (x) | 0.8963% | 3,537 |
| Efficiency ratio | 85.9791% | 1,520 |
| Assets per employee ($millions) | 2.5470% | 6,537 |
| Cash dividends to net income (ytd only)* | 260.5769% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 4,004 |
| Loan loss allowance to noncurrent loans | 1,018.3099% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.7191% | 4,572 |
| Noncurrent loans to loans | 0.1427% | 6,042 |
| Net loans and leases to total assets | 50.6463% | 4,904 |
| Net loans and leases to deposits | 55.8812% | 5,256 |
| Net loans and leases to core deposits | 56.5726% | 5,468 |
| Total domestic deposits to total assets | 90.6320% | 701 |
| Equity capital to assets | 8.8483% | 5,669 |
| Core capital (leverage) ratio | 8.4288% | 5,665 |
| Tier 1 risk-based capital ratio | 15.2928% | 3,660 |
| Total risk-based capital ratio | 16.5437% | 3,612 |
| Memoranda: | ||
| Average total assets | $98,075,500 | 4,906 |
| Average earning assets | $91,296,500 | 4,859 |
| Average equity | $8,669,000 | 5,315 |
| Average total loans | $49,574,500 | 5,070 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 4,419 |
| Cost of funding earning assets | 0.6438% | 3,973 |
| Net interest margin | 3.6016% | 4,077 |
| Noninterest income to average assets | 0.4816% | 4,030 |
| Noninterest expense to average assets | 3.1585% | 2,739 |
| Loan and lease loss provision to assets | 0.0286% | 5,538 |
| Net operating income to assets | 0.6319% | 4,079 |
| Return on assets (ROA) | 0.6319% | 4,347 |
| Pretax return on assets | 0.6340% | 4,873 |
| Return on Equity (ROE) | 6.9520% | 3,671 |
| Retained earnings to average equity (ytd only) | 5.3218% | 2,489 |
| Net charge-offs to loans | 0.0676% | 5,004 |
| Credit loss provision to net charge-offs | 79.4118% | 3,852 |
| Earnings coverage of net charge-offs (x) | 18.4118% | 1,439 |
| Efficiency ratio | 82.6593% | 1,789 |
| Assets per employee ($millions) | 2.6148% | 6,525 |
| Cash dividends to net income (ytd only)* | 23.4506% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7062% | 2,912 |
| Loan loss allowance to noncurrent loans | 140.2662% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 4,658 |
| Noncurrent loans to loans | 1.2164% | 3,817 |
| Net loans and leases to total assets | 48.8748% | 5,319 |
| Net loans and leases to deposits | 53.9025% | 5,662 |
| Net loans and leases to core deposits | 54.5497% | 5,839 |
| Total domestic deposits to total assets | 90.6727% | 623 |
| Equity capital to assets | 8.8302% | 5,716 |
| Core capital (leverage) ratio | 8.5757% | 5,496 |
| Tier 1 risk-based capital ratio | 16.1352% | 3,085 |
| Total risk-based capital ratio | 17.3891% | 3,036 |
| Memoranda: | ||
| Average total assets | $94,475,800 | 4,975 |
| Average earning assets | $87,599,800 | 4,926 |
| Average equity | $8,587,400 | 5,340 |
| Average total loans | $50,330,800 | 5,092 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 4,260 |
| Cost of funding earning assets | 0.6716% | 4,003 |
| Net interest margin | 3.6775% | 3,891 |
| Noninterest income to average assets | 0.4918% | 3,975 |
| Noninterest expense to average assets | 3.1741% | 2,650 |
| Loan and lease loss provision to assets | 0.0386% | 5,291 |
| Net operating income to assets | 0.6820% | 3,998 |
| Return on assets (ROA) | 0.6820% | 4,257 |
| Pretax return on assets | 0.6849% | 4,912 |
| Return on Equity (ROE) | 7.4464% | 3,560 |
| Retained earnings to average equity (ytd only) | 5.2609% | 3,182 |
| Net charge-offs to loans | 0.0923% | 4,452 |
| Credit loss provision to net charge-offs | 77.1429% | 3,701 |
| Earnings coverage of net charge-offs (x) | 14.4558% | 1,833 |
| Efficiency ratio | 81.4380% | 1,877 |
| Assets per employee ($millions) | 2.5278% | 6,680 |
| Cash dividends to net income (ytd only)* | 29.3500% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 3,170 |
| Loan loss allowance to noncurrent loans | 3,118.5185% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 6,321 |
| Noncurrent loans to loans | 0.0544% | 6,480 |
| Net loans and leases to total assets | 49.5359% | 5,367 |
| Net loans and leases to deposits | 54.6456% | 5,752 |
| Net loans and leases to core deposits | 55.4629% | 5,928 |
| Total domestic deposits to total assets | 90.6495% | 540 |
| Equity capital to assets | 8.8190% | 6,005 |
| Core capital (leverage) ratio | 8.5090% | 5,735 |
| Tier 1 risk-based capital ratio | 16.0132% | 3,253 |
| Total risk-based capital ratio | 17.2678% | 3,219 |
| Memoranda: | ||
| Average total assets | $93,253,750 | 5,052 |
| Average earning assets | $86,361,250 | 5,004 |
| Average equity | $8,540,750 | 5,407 |
| Average total loans | $50,561,750 | 5,147 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 3,876 |
| Cost of funding earning assets | 0.6972% | 4,034 |
| Net interest margin | 3.7769% | 3,473 |
| Noninterest income to average assets | 0.5160% | 3,813 |
| Noninterest expense to average assets | 3.2401% | 2,464 |
| Loan and lease loss provision to assets | 0.0328% | 5,261 |
| Net operating income to assets | 0.7324% | 3,695 |
| Return on assets (ROA) | 0.7324% | 3,967 |
| Pretax return on assets | 0.7368% | 4,717 |
| Return on Equity (ROE) | 7.8919% | 3,306 |
| Retained earnings to average equity (ytd only) | 5.2770% | 3,112 |
| Net charge-offs to loans | 0.0354% | 4,891 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 39.1111% | 889 |
| Efficiency ratio | 80.8070% | 2,062 |
| Assets per employee ($millions) | 2.4265% | 6,817 |
| Cash dividends to net income (ytd only)* | 33.1343% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7024% | 3,217 |
| Loan loss allowance to noncurrent loans | 3,057.1429% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 5,360 |
| Noncurrent loans to loans | 0.0557% | 6,540 |
| Net loans and leases to total assets | 52.2307% | 5,070 |
| Net loans and leases to deposits | 57.7796% | 5,473 |
| Net loans and leases to core deposits | 58.6810% | 5,721 |
| Total domestic deposits to total assets | 90.3965% | 717 |
| Equity capital to assets | 9.0678% | 5,625 |
| Core capital (leverage) ratio | 8.9565% | 4,974 |
| Tier 1 risk-based capital ratio | 15.5249% | 3,423 |
| Total risk-based capital ratio | 16.7787% | 3,387 |
| Memoranda: | ||
| Average total assets | $91,477,330 | 5,119 |
| Average earning assets | $84,620,000 | 5,087 |
| Average equity | $8,489,670 | 5,421 |
| Average total loans | $50,857,000 | 5,159 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 3,637 |
| Cost of funding earning assets | 0.7313% | 4,013 |
| Net interest margin | 3.8395% | 3,191 |
| Noninterest income to average assets | 0.4716% | 4,135 |
| Noninterest expense to average assets | 3.2792% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7341% | 3,715 |
| Return on assets (ROA) | 0.7341% | 3,950 |
| Pretax return on assets | 0.7430% | 4,633 |
| Return on Equity (ROE) | 7.8162% | 3,359 |
| Retained earnings to average equity (ytd only) | 7.8162% | 2,047 |
| Net charge-offs to loans | -0.0313% | 6,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5265% | 1,999 |
| Assets per employee ($millions) | 2.3802% | 6,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 3,434 |
| Loan loss allowance to noncurrent loans | 1,202.8169% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 5,947 |
| Noncurrent loans to loans | 0.1395% | 6,408 |
| Net loans and leases to total assets | 55.3202% | 4,505 |
| Net loans and leases to deposits | 61.4693% | 4,990 |
| Net loans and leases to core deposits | 62.4763% | 5,279 |
| Total domestic deposits to total assets | 89.9965% | 1,088 |
| Equity capital to assets | 9.4165% | 4,930 |
| Core capital (leverage) ratio | 8.9424% | 4,927 |
| Tier 1 risk-based capital ratio | 15.2684% | 3,575 |
| Total risk-based capital ratio | 16.5234% | 3,533 |
| Memoranda: | ||
| Average total assets | $89,900,000 | 5,212 |
| Average earning assets | $83,136,500 | 5,169 |
| Average equity | $8,444,000 | 5,453 |
| Average total loans | $51,144,000 | 5,181 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9731% | 3,004 |
| Cost of funding earning assets | 0.9306% | 3,871 |
| Net interest margin | 4.0425% | 2,667 |
| Noninterest income to average assets | 0.4429% | 4,284 |
| Noninterest expense to average assets | 3.3873% | 2,275 |
| Loan and lease loss provision to assets | 0.4837% | 2,184 |
| Net operating income to assets | 0.2986% | 5,259 |
| Return on assets (ROA) | 0.2986% | 5,414 |
| Pretax return on assets | 0.3009% | 5,553 |
| Return on Equity (ROE) | 3.2035% | 5,197 |
| Retained earnings to average equity (ytd only) | 1.6566% | 5,026 |
| Net charge-offs to loans | 0.5202% | 2,912 |
| Credit loss provision to net charge-offs | 153.7906% | 1,831 |
| Earnings coverage of net charge-offs (x) | 2.4946% | 3,966 |
| Efficiency ratio | 81.1922% | 2,134 |
| Assets per employee ($millions) | 2.4149% | 6,904 |
| Cash dividends to net income (ytd only)* | 48.2890% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 3,362 |
| Loan loss allowance to noncurrent loans | 259.1463% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.6737% | 5,298 |
| Noncurrent loans to loans | 0.6382% | 5,437 |
| Net loans and leases to total assets | 56.5718% | 4,611 |
| Net loans and leases to deposits | 62.8097% | 5,142 |
| Net loans and leases to core deposits | 63.8482% | 5,480 |
| Total domestic deposits to total assets | 90.0685% | 959 |
| Equity capital to assets | 9.3686% | 5,065 |
| Core capital (leverage) ratio | 8.9642% | 4,842 |
| Tier 1 risk-based capital ratio | 14.4254% | 4,025 |
| Total risk-based capital ratio | 15.6787% | 3,997 |
| Memoranda: | ||
| Average total assets | $88,064,800 | 5,235 |
| Average earning assets | $81,236,600 | 5,193 |
| Average equity | $8,209,800 | 5,509 |
| Average total loans | $53,249,800 | 5,140 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0127% | 3,022 |
| Cost of funding earning assets | 0.9739% | 3,856 |
| Net interest margin | 4.0388% | 2,736 |
| Noninterest income to average assets | 0.4817% | 4,025 |
| Noninterest expense to average assets | 3.4038% | 2,179 |
| Loan and lease loss provision to assets | 0.2659% | 3,379 |
| Net operating income to assets | 0.5334% | 4,390 |
| Return on assets (ROA) | 0.5334% | 4,581 |
| Pretax return on assets | 0.5364% | 5,018 |
| Return on Equity (ROE) | 5.7285% | 4,154 |
| Retained earnings to average equity (ytd only) | 3.6558% | 4,151 |
| Net charge-offs to loans | 0.4046% | 3,104 |
| Credit loss provision to net charge-offs | 107.3620% | 3,079 |
| Earnings coverage of net charge-offs (x) | 3.2392% | 3,530 |
| Efficiency ratio | 80.9249% | 2,117 |
| Assets per employee ($millions) | 2.4227% | 6,967 |
| Cash dividends to net income (ytd only)* | 36.1824% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 4,774 |
| Loan loss allowance to noncurrent loans | 177.3632% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 1.3576% | 4,107 |
| Noncurrent loans to loans | 0.7612% | 5,352 |
| Net loans and leases to total assets | 58.1218% | 4,491 |
| Net loans and leases to deposits | 64.6230% | 5,096 |
| Net loans and leases to core deposits | 66.1021% | 5,407 |
| Total domestic deposits to total assets | 89.9399% | 899 |
| Equity capital to assets | 9.4566% | 5,154 |
| Core capital (leverage) ratio | 9.0198% | 4,895 |
| Tier 1 risk-based capital ratio | 14.1243% | 4,260 |
| Total risk-based capital ratio | 15.3659% | 4,242 |
| Memoranda: | ||
| Average total assets | $87,743,000 | 5,279 |
| Average earning assets | $80,912,250 | 5,246 |
| Average equity | $8,169,500 | 5,548 |
| Average total loans | $53,712,750 | 5,175 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0251% | 3,040 |
| Cost of funding earning assets | 1.0115% | 3,883 |
| Net interest margin | 4.0136% | 2,773 |
| Noninterest income to average assets | 0.4799% | 4,030 |
| Noninterest expense to average assets | 3.2855% | 2,614 |
| Loan and lease loss provision to assets | 0.2755% | 3,177 |
| Net operating income to assets | 0.6222% | 3,949 |
| Return on assets (ROA) | 0.6222% | 4,079 |
| Pretax return on assets | 0.6268% | 4,657 |
| Return on Equity (ROE) | 6.7187% | 3,578 |
| Retained earnings to average equity (ytd only) | 3.7932% | 3,803 |
| Net charge-offs to loans | 0.3703% | 3,069 |
| Credit loss provision to net charge-offs | 120.0000% | 2,541 |
| Earnings coverage of net charge-offs (x) | 3.9300% | 3,014 |
| Efficiency ratio | 78.4539% | 2,641 |
| Assets per employee ($millions) | 2.4398% | 6,982 |
| Cash dividends to net income (ytd only)* | 43.5424% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 4,856 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.0987% | 4,691 |
| Noncurrent loans to loans | 1.5375% | 4,107 |
| Net loans and leases to total assets | 60.1942% | 4,235 |
| Net loans and leases to deposits | 66.9321% | 4,862 |
| Net loans and leases to core deposits | 69.3918% | 5,138 |
| Total domestic deposits to total assets | 89.9333% | 1,008 |
| Equity capital to assets | 9.4622% | 4,869 |
| Core capital (leverage) ratio | 9.2262% | 4,359 |
| Tier 1 risk-based capital ratio | 14.1512% | 4,059 |
| Total risk-based capital ratio | 15.4009% | 4,031 |
| Memoranda: | ||
| Average total assets | $87,110,330 | 5,340 |
| Average earning assets | $80,476,000 | 5,308 |
| Average equity | $8,067,000 | 5,593 |
| Average total loans | $54,012,330 | 5,210 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1011% | 2,647 |
| Cost of funding earning assets | 1.0692% | 3,724 |
| Net interest margin | 4.0320% | 2,558 |
| Noninterest income to average assets | 0.5118% | 3,787 |
| Noninterest expense to average assets | 3.4306% | 2,191 |
| Loan and lease loss provision to assets | 0.3458% | 2,492 |
| Net operating income to assets | 0.4565% | 4,685 |
| Return on assets (ROA) | 0.4565% | 4,772 |
| Pretax return on assets | 0.4565% | 5,164 |
| Return on Equity (ROE) | 4.9843% | 4,414 |
| Retained earnings to average equity (ytd only) | 3.0208% | 4,349 |
| Net charge-offs to loans | 0.7303% | 1,757 |
| Credit loss provision to net charge-offs | 75.7576% | 3,242 |
| Earnings coverage of net charge-offs (x) | 1.7576% | 3,427 |
| Efficiency ratio | 81.0458% | 2,363 |
| Assets per employee ($millions) | 2.3960% | 7,107 |
| Cash dividends to net income (ytd only)* | 39.3939% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 5,319 |
| Loan loss allowance to noncurrent loans | 170.5290% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.8127% | 5,282 |
| Noncurrent loans to loans | 0.7421% | 5,529 |
| Net loans and leases to total assets | 61.2375% | 4,026 |
| Net loans and leases to deposits | 67.9632% | 4,682 |
| Net loans and leases to core deposits | 70.7250% | 4,961 |
| Total domestic deposits to total assets | 90.1039% | 1,094 |
| Equity capital to assets | 9.2643% | 4,791 |
| Core capital (leverage) ratio | 9.1706% | 4,337 |
| Tier 1 risk-based capital ratio | 13.9497% | 4,105 |
| Total risk-based capital ratio | 15.1381% | 4,126 |
| Memoranda: | ||
| Average total assets | $86,748,500 | 5,384 |
| Average earning assets | $80,060,500 | 5,361 |
| Average equity | $7,945,000 | 5,627 |
| Average total loans | $54,222,500 | 5,244 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5093% | 2,240 |
| Cost of funding earning assets | 1.3028% | 3,864 |
| Net interest margin | 4.2065% | 2,158 |
| Noninterest income to average assets | 0.5121% | 4,077 |
| Noninterest expense to average assets | 3.5822% | 1,969 |
| Loan and lease loss provision to assets | 0.2391% | 4,892 |
| Net operating income to assets | 0.5412% | 3,921 |
| Return on assets (ROA) | 0.5412% | 4,070 |
| Pretax return on assets | 0.5436% | 4,492 |
| Return on Equity (ROE) | 5.9365% | 3,639 |
| Retained earnings to average equity (ytd only) | 2.9683% | 3,781 |
| Net charge-offs to loans | 0.2954% | 4,543 |
| Credit loss provision to net charge-offs | 123.4940% | 3,358 |
| Earnings coverage of net charge-offs (x) | 4.0422% | 3,093 |
| Efficiency ratio | 82.0684% | 2,158 |
| Assets per employee ($millions) | 2.1810% | 7,318 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 5,131 |
| Loan loss allowance to noncurrent loans | 80.4822% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.1634% | 4,684 |
| Noncurrent loans to loans | 1.5852% | 4,120 |
| Net loans and leases to total assets | 62.1795% | 4,247 |
| Net loans and leases to deposits | 68.8270% | 4,977 |
| Net loans and leases to core deposits | 71.6204% | 5,247 |
| Total domestic deposits to total assets | 90.3417% | 913 |
| Equity capital to assets | 9.0542% | 5,068 |
| Core capital (leverage) ratio | 9.1120% | 4,334 |
| Tier 1 risk-based capital ratio | 13.5674% | 4,154 |
| Total risk-based capital ratio | 14.7733% | 4,152 |
| Memoranda: | ||
| Average total assets | $85,730,000 | 5,417 |
| Average earning assets | $78,522,200 | 5,398 |
| Average equity | $7,816,000 | 5,771 |
| Average total loans | $56,196,800 | 5,222 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5817% | 2,136 |
| Cost of funding earning assets | 1.3672% | 3,794 |
| Net interest margin | 4.2144% | 2,172 |
| Noninterest income to average assets | 0.5280% | 3,957 |
| Noninterest expense to average assets | 3.5960% | 1,804 |
| Loan and lease loss provision to assets | 0.2421% | 4,662 |
| Net operating income to assets | 0.5389% | 4,140 |
| Return on assets (ROA) | 0.5389% | 4,308 |
| Pretax return on assets | 0.5421% | 4,790 |
| Return on Equity (ROE) | 5.9009% | 3,864 |
| Retained earnings to average equity (ytd only) | 1.9327% | 4,992 |
| Net charge-offs to loans | 0.2218% | 4,612 |
| Credit loss provision to net charge-offs | 164.8936% | 2,281 |
| Earnings coverage of net charge-offs (x) | 5.3405% | 2,773 |
| Efficiency ratio | 82.0970% | 2,049 |
| Assets per employee ($millions) | 2.1546% | 7,417 |
| Cash dividends to net income (ytd only)* | 67.2471% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 4,977 |
| Loan loss allowance to noncurrent loans | 68.9228% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.3866% | 4,386 |
| Noncurrent loans to loans | 1.8841% | 3,819 |
| Net loans and leases to total assets | 63.7617% | 4,170 |
| Net loans and leases to deposits | 70.7164% | 5,047 |
| Net loans and leases to core deposits | 74.3683% | 5,250 |
| Total domestic deposits to total assets | 90.1653% | 794 |
| Equity capital to assets | 9.1861% | 5,328 |
| Core capital (leverage) ratio | 8.8808% | 4,876 |
| Tier 1 risk-based capital ratio | 13.3056% | 4,350 |
| Total risk-based capital ratio | 14.5441% | 4,326 |
| Memoranda: | ||
| Average total assets | $85,352,250 | 5,491 |
| Average earning assets | $78,015,500 | 5,483 |
| Average equity | $7,795,250 | 5,860 |
| Average total loans | $56,509,250 | 5,293 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6084% | 2,111 |
| Cost of funding earning assets | 1.4227% | 3,731 |
| Net interest margin | 4.1857% | 2,197 |
| Noninterest income to average assets | 0.5313% | 3,864 |
| Noninterest expense to average assets | 3.5404% | 1,927 |
| Loan and lease loss provision to assets | 0.2586% | 4,346 |
| Net operating income to assets | 0.5454% | 4,119 |
| Return on assets (ROA) | 0.5454% | 4,259 |
| Pretax return on assets | 0.5501% | 4,740 |
| Return on Equity (ROE) | 5.9835% | 3,809 |
| Retained earnings to average equity (ytd only) | 0.8253% | 5,439 |
| Net charge-offs to loans | 0.1409% | 4,822 |
| Credit loss provision to net charge-offs | 275.0000% | 1,354 |
| Earnings coverage of net charge-offs (x) | 8.6000% | 2,117 |
| Efficiency ratio | 81.4054% | 2,244 |
| Assets per employee ($millions) | 2.1675% | 7,464 |
| Cash dividends to net income (ytd only)* | 86.2069% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 4,789 |
| Loan loss allowance to noncurrent loans | 83.6571% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.1799% | 4,777 |
| Noncurrent loans to loans | 1.5830% | 4,337 |
| Net loans and leases to total assets | 62.9089% | 4,485 |
| Net loans and leases to deposits | 69.9122% | 5,293 |
| Net loans and leases to core deposits | 73.0069% | 5,554 |
| Total domestic deposits to total assets | 89.9827% | 925 |
| Equity capital to assets | 8.9746% | 5,492 |
| Core capital (leverage) ratio | 9.0189% | 4,569 |
| Tier 1 risk-based capital ratio | 12.6614% | 4,721 |
| Total risk-based capital ratio | 13.8673% | 4,725 |
| Memoranda: | ||
| Average total assets | $85,074,670 | 5,533 |
| Average earning assets | $77,597,670 | 5,527 |
| Average equity | $7,754,670 | 5,884 |
| Average total loans | $56,787,000 | 5,320 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6980% | 1,786 |
| Cost of funding earning assets | 1.4676% | 3,759 |
| Net interest margin | 4.2304% | 1,928 |
| Noninterest income to average assets | 0.6124% | 3,190 |
| Noninterest expense to average assets | 3.4796% | 2,037 |
| Loan and lease loss provision to assets | 0.3086% | 3,573 |
| Net operating income to assets | 0.6598% | 3,615 |
| Return on assets (ROA) | 0.6598% | 3,726 |
| Pretax return on assets | 0.6693% | 4,340 |
| Return on Equity (ROE) | 7.1821% | 3,250 |
| Retained earnings to average equity (ytd only) | 0.3617% | 5,693 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0618% | 2,885 |
| Assets per employee ($millions) | 2.0140% | 7,660 |
| Cash dividends to net income (ytd only)* | 94.9640% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 5,181 |
| Loan loss allowance to noncurrent loans | 97.7151% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.2792% | 4,615 |
| Noncurrent loans to loans | 1.2847% | 4,831 |
| Net loans and leases to total assets | 67.6058% | 3,484 |
| Net loans and leases to deposits | 75.3207% | 4,528 |
| Net loans and leases to core deposits | 80.1191% | 4,748 |
| Total domestic deposits to total assets | 89.7572% | 1,111 |
| Equity capital to assets | 9.1457% | 5,070 |
| Core capital (leverage) ratio | 9.1333% | 4,323 |
| Tier 1 risk-based capital ratio | 12.4595% | 4,785 |
| Total risk-based capital ratio | 13.6419% | 4,790 |
| Memoranda: | ||
| Average total assets | $84,262,000 | 5,625 |
| Average earning assets | $76,588,500 | 5,619 |
| Average equity | $7,741,500 | 5,930 |
| Average total loans | $57,543,500 | 5,359 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0250% | 1,773 |
| Cost of funding earning assets | 1.7273% | 4,370 |
| Net interest margin | 4.2977% | 1,729 |
| Noninterest income to average assets | 0.5632% | 3,915 |
| Noninterest expense to average assets | 3.7394% | 1,819 |
| Loan and lease loss provision to assets | 0.2414% | 5,450 |
| Net operating income to assets | 0.4911% | 3,766 |
| Return on assets (ROA) | 0.4911% | 3,866 |
| Pretax return on assets | 0.4935% | 4,204 |
| Return on Equity (ROE) | 5.3617% | 3,492 |
| Retained earnings to average equity (ytd only) | 1.2454% | 4,170 |
| Net charge-offs to loans | 0.2936% | 4,799 |
| Credit loss provision to net charge-offs | 119.6429% | 4,483 |
| Earnings coverage of net charge-offs (x) | 3.6429% | 3,259 |
| Efficiency ratio | 83.5749% | 2,403 |
| Assets per employee ($millions) | 2.0985% | 7,656 |
| Cash dividends to net income (ytd only)* | 76.7726% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 5,598 |
| Loan loss allowance to noncurrent loans | 76.2673% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.3427% | 4,415 |
| Noncurrent loans to loans | 1.5181% | 4,378 |
| Net loans and leases to total assets | 67.3271% | 3,853 |
| Net loans and leases to deposits | 75.0694% | 4,863 |
| Net loans and leases to core deposits | 85.3104% | 5,591 |
| Total domestic deposits to total assets | 89.6864% | 1,115 |
| Equity capital to assets | 9.2294% | 4,806 |
| Core capital (leverage) ratio | 9.1160% | 4,247 |
| Tier 1 risk-based capital ratio | 12.6894% | 4,374 |
| Total risk-based capital ratio | 13.7869% | 4,435 |
| Memoranda: | ||
| Average total assets | $83,276,000 | 5,618 |
| Average earning assets | $75,784,400 | 5,609 |
| Average equity | $7,628,200 | 6,042 |
| Average total loans | $57,223,800 | 5,375 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0625% | 1,793 |
| Cost of funding earning assets | 1.7802% | 4,480 |
| Net interest margin | 4.2823% | 1,776 |
| Noninterest income to average assets | 0.5438% | 4,131 |
| Noninterest expense to average assets | 3.7459% | 1,712 |
| Loan and lease loss provision to assets | 0.2182% | 5,234 |
| Net operating income to assets | 0.4781% | 4,077 |
| Return on assets (ROA) | 0.4781% | 4,180 |
| Pretax return on assets | 0.4813% | 4,575 |
| Return on Equity (ROE) | 5.2289% | 3,866 |
| Retained earnings to average equity (ytd only) | -0.2807% | 5,281 |
| Net charge-offs to loans | 0.3191% | 4,041 |
| Credit loss provision to net charge-offs | 99.2701% | 5,148 |
| Earnings coverage of net charge-offs (x) | 3.1825% | 3,646 |
| Efficiency ratio | 84.2656% | 2,266 |
| Assets per employee ($millions) | 2.1034% | 7,712 |
| Cash dividends to net income (ytd only)* | 105.3710% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 5,746 |
| Loan loss allowance to noncurrent loans | 78.7955% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.2848% | 4,510 |
| Noncurrent loans to loans | 1.3922% | 4,586 |
| Net loans and leases to total assets | 67.2926% | 4,119 |
| Net loans and leases to deposits | 75.0295% | 5,205 |
| Net loans and leases to core deposits | 84.9329% | 5,973 |
| Total domestic deposits to total assets | 89.6882% | 895 |
| Equity capital to assets | 9.0685% | 5,385 |
| Core capital (leverage) ratio | 8.7411% | 5,060 |
| Tier 1 risk-based capital ratio | 12.4162% | 4,615 |
| Total risk-based capital ratio | 13.4501% | 4,741 |
| Memoranda: | ||
| Average total assets | $83,110,500 | 5,652 |
| Average earning assets | $75,721,000 | 5,643 |
| Average equity | $7,598,500 | 6,112 |
| Average total loans | $57,236,000 | 5,414 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1369% | 1,660 |
| Cost of funding earning assets | 1.8118% | 4,702 |
| Net interest margin | 4.3251% | 1,589 |
| Noninterest income to average assets | 0.5727% | 3,882 |
| Noninterest expense to average assets | 3.7865% | 1,679 |
| Loan and lease loss provision to assets | 0.2320% | 4,727 |
| Net operating income to assets | 0.4833% | 4,154 |
| Return on assets (ROA) | 0.4833% | 4,268 |
| Pretax return on assets | 0.4881% | 4,662 |
| Return on Equity (ROE) | 5.2715% | 3,965 |
| Retained earnings to average equity (ytd only) | -2.2667% | 5,804 |
| Net charge-offs to loans | 0.4787% | 2,918 |
| Credit loss provision to net charge-offs | 70.0730% | 5,413 |
| Earnings coverage of net charge-offs (x) | 2.1752% | 3,984 |
| Efficiency ratio | 84.0214% | 2,469 |
| Assets per employee ($millions) | 2.0948% | 7,775 |
| Cash dividends to net income (ytd only)* | 143.0000% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 6,086 |
| Loan loss allowance to noncurrent loans | 72.0588% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.4847% | 4,009 |
| Noncurrent loans to loans | 1.4137% | 4,386 |
| Net loans and leases to total assets | 68.1847% | 4,129 |
| Net loans and leases to deposits | 76.0037% | 5,176 |
| Net loans and leases to core deposits | 86.2787% | 5,874 |
| Total domestic deposits to total assets | 89.7124% | 956 |
| Equity capital to assets | 9.0047% | 5,308 |
| Core capital (leverage) ratio | 8.9854% | 4,654 |
| Tier 1 risk-based capital ratio | 12.2416% | 4,727 |
| Total risk-based capital ratio | 13.2049% | 4,874 |
| Memoranda: | ||
| Average total assets | $82,768,330 | 5,704 |
| Average earning assets | $75,282,330 | 5,703 |
| Average equity | $7,588,000 | 6,151 |
| Average total loans | $57,232,670 | 5,460 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2294% | 1,504 |
| Cost of funding earning assets | 1.8854% | 4,710 |
| Net interest margin | 4.3440% | 1,479 |
| Noninterest income to average assets | 0.6662% | 3,099 |
| Noninterest expense to average assets | 3.6860% | 1,684 |
| Loan and lease loss provision to assets | 0.3696% | 3,110 |
| Net operating income to assets | 0.5446% | 4,236 |
| Return on assets (ROA) | 0.5446% | 4,420 |
| Pretax return on assets | 0.5544% | 4,896 |
| Return on Equity (ROE) | 5.8874% | 4,086 |
| Retained earnings to average equity (ytd only) | -6.0451% | 6,691 |
| Net charge-offs to loans | 0.9405% | 1,411 |
| Credit loss provision to net charge-offs | 56.7164% | 4,575 |
| Earnings coverage of net charge-offs (x) | 1.4179% | 4,028 |
| Efficiency ratio | 79.9578% | 2,831 |
| Assets per employee ($millions) | 2.0678% | 7,841 |
| Cash dividends to net income (ytd only)* | 202.6786% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 6,048 |
| Loan loss allowance to noncurrent loans | 78.9765% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.8051% | 3,207 |
| Noncurrent loans to loans | 1.2891% | 4,397 |
| Net loans and leases to total assets | 67.1205% | 4,317 |
| Net loans and leases to deposits | 74.8386% | 5,369 |
| Net loans and leases to core deposits | 85.4645% | 5,952 |
| Total domestic deposits to total assets | 89.6870% | 938 |
| Equity capital to assets | 9.1112% | 5,212 |
| Core capital (leverage) ratio | 8.9563% | 4,783 |
| Tier 1 risk-based capital ratio | 12.3127% | 4,695 |
| Total risk-based capital ratio | 13.2571% | 4,842 |
| Memoranda: | ||
| Average total assets | $82,257,500 | 5,733 |
| Average earning assets | $74,678,000 | 5,745 |
| Average equity | $7,609,500 | 6,183 |
| Average total loans | $56,989,000 | 5,501 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8385% | 1,557 |
| Cost of funding earning assets | 2.4148% | 4,659 |
| Net interest margin | 4.4237% | 1,616 |
| Noninterest income to average assets | 0.7208% | 2,982 |
| Noninterest expense to average assets | 3.7620% | 1,829 |
| Loan and lease loss provision to assets | 0.2052% | 4,836 |
| Net operating income to assets | 0.7389% | 3,723 |
| Return on assets (ROA) | 0.7389% | 3,559 |
| Pretax return on assets | 0.7413% | 4,278 |
| Return on Equity (ROE) | 8.1737% | 2,994 |
| Retained earnings to average equity (ytd only) | 0.6544% | 4,845 |
| Net charge-offs to loans | 0.1204% | 5,045 |
| Credit loss provision to net charge-offs | 242.8571% | 1,920 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 2,399 |
| Efficiency ratio | 79.8974% | 2,613 |
| Assets per employee ($millions) | 2.0451% | 7,876 |
| Cash dividends to net income (ytd only)* | 91.9935% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 5,375 |
| Loan loss allowance to noncurrent loans | 42.7020% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 2.6075% | 1,841 |
| Noncurrent loans to loans | 2.5444% | 2,139 |
| Net loans and leases to total assets | 69.9990% | 4,015 |
| Net loans and leases to deposits | 78.2706% | 5,297 |
| Net loans and leases to core deposits | 87.6853% | 5,998 |
| Total domestic deposits to total assets | 89.4321% | 871 |
| Equity capital to assets | 9.3920% | 4,831 |
| Core capital (leverage) ratio | 9.3029% | 4,293 |
| Tier 1 risk-based capital ratio | 12.2637% | 4,617 |
| Total risk-based capital ratio | 13.2842% | 4,679 |
| Memoranda: | ||
| Average total assets | $82,828,000 | 5,602 |
| Average earning assets | $74,665,600 | 5,637 |
| Average equity | $7,487,400 | 6,282 |
| Average total loans | $58,130,800 | 5,357 |