Home > Plattsmouth State Bank > Performance and Condition Ratios
Plattsmouth State Bank, Performance and Condition Ratios
| 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 | 1.1102% | 5,011 |
| Cost of funding earning assets | 0.2241% | 4,592 |
| Net interest margin | 0.8861% | 5,013 |
| Noninterest income to average assets | 0.0820% | 4,816 |
| Noninterest expense to average assets | 0.7363% | 4,999 |
| Loan and lease loss provision to assets | 0.0277% | 3,988 |
| Net operating income to assets | 0.1339% | 4,667 |
| Return on assets (ROA) | 0.1339% | 4,691 |
| Pretax return on assets | 0.1339% | 4,701 |
| Return on Equity (ROE) | 1.2457% | 4,666 |
| Retained earnings to average equity (ytd only) | -24.5584% | 4,991 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6256% | 1,076 |
| Assets per employee ($millions) | 6.2654% | 2,031 |
| Cash dividends to net income (ytd only)* | 2,071.4286% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0566% | 4,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 35.2343% | 4,708 |
| Net loans and leases to deposits | 41.1025% | 4,715 |
| Net loans and leases to core deposits | 41.8634% | 4,749 |
| Total domestic deposits to total assets | 85.7231% | 2,173 |
| Equity capital to assets | 12.1282% | 1,613 |
| Core capital (leverage) ratio | 8.4927% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4279% | 1,155 |
| Memoranda: | ||
| Average total assets | $97,598,750 | 4,026 |
| Average earning assets | $89,830,750 | 4,023 |
| Average equity | $10,489,000 | 4,159 |
| Average total loans | $32,368,500 | 4,501 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3052% | 5,062 |
| Cost of funding earning assets | 0.0780% | 4,998 |
| Net interest margin | 0.2272% | 5,061 |
| Noninterest income to average assets | 0.0331% | 4,949 |
| Noninterest expense to average assets | 0.2027% | 5,061 |
| Loan and lease loss provision to assets | 0.0103% | 4,082 |
| Net operating income to assets | 0.0310% | 4,751 |
| Return on assets (ROA) | 0.0310% | 4,773 |
| Pretax return on assets | 0.0310% | 4,769 |
| Return on Equity (ROE) | 0.3020% | 4,765 |
| Retained earnings to average equity (ytd only) | -40.5732% | 5,041 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0508% | 695 |
| Assets per employee ($millions) | 6.2641% | 1,978 |
| Cash dividends to net income (ytd only)* | 13,533.3333% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0174% | 5,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 28.7473% | 4,877 |
| Net loans and leases to deposits | 33.5452% | 4,892 |
| Net loans and leases to core deposits | 34.3511% | 4,895 |
| Total domestic deposits to total assets | 85.6972% | 2,124 |
| Equity capital to assets | 12.0619% | 1,626 |
| Core capital (leverage) ratio | 8.2880% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5487% | 1,123 |
| Memoranda: | ||
| Average total assets | $96,716,333 | 4,042 |
| Average earning assets | $89,780,667 | 4,027 |
| Average equity | $9,932,667 | 4,225 |
| Average total loans | $31,377,667 | 4,537 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0627% | 4,926 |
| Cost of funding earning assets | 0.7040% | 2,916 |
| Net interest margin | 2.3587% | 4,901 |
| Noninterest income to average assets | 0.4802% | 2,650 |
| Noninterest expense to average assets | 2.9106% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.2148% | 4,859 |
| Return on assets (ROA) | -2.9949% | 5,062 |
| Pretax return on assets | -2.9949% | 5,054 |
| Return on Equity (ROE) | -32.1193% | 5,083 |
| Retained earnings to average equity (ytd only) | -32.1193% | 5,049 |
| Net charge-offs to loans | -0.1225% | 4,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9688% | 155 |
| Assets per employee ($millions) | 4.4696% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1707% | 129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 28.7944% | 4,922 |
| Net loans and leases to deposits | 33.1039% | 4,943 |
| Net loans and leases to core deposits | 33.9394% | 4,948 |
| Total domestic deposits to total assets | 86.9820% | 1,560 |
| Equity capital to assets | 9.4458% | 4,267 |
| Core capital (leverage) ratio | 9.6469% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2631% | 483 |
| Memoranda: | ||
| Average total assets | $94,962,000 | 4,060 |
| Average earning assets | $89,201,500 | 4,033 |
| Average equity | $8,854,500 | 4,383 |
| Average total loans | $32,658,000 | 4,541 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 3,325 |
| Cost of funding earning assets | 0.8590% | 2,384 |
| Net interest margin | 3.5140% | 3,407 |
| Noninterest income to average assets | 0.3653% | 3,514 |
| Noninterest expense to average assets | 3.1389% | 1,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4813% | 4,446 |
| Return on assets (ROA) | 1.7256% | 664 |
| Pretax return on assets | 1.7256% | 1,122 |
| Return on Equity (ROE) | 19.8884% | 220 |
| Retained earnings to average equity (ytd only) | 11.2693% | 303 |
| Net charge-offs to loans | -0.0770% | 4,911 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7060% | 502 |
| Assets per employee ($millions) | 4.5744% | 3,115 |
| Cash dividends to net income (ytd only)* | 43.3373% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3393% | 267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 38.0265% | 4,797 |
| Net loans and leases to deposits | 43.7457% | 4,831 |
| Net loans and leases to core deposits | 44.5769% | 4,861 |
| Total domestic deposits to total assets | 86.9262% | 1,646 |
| Equity capital to assets | 9.2055% | 4,567 |
| Core capital (leverage) ratio | 9.7936% | 3,738 |
| Tier 1 risk-based capital ratio | 13.2751% | 3,642 |
| Total risk-based capital ratio | 14.4914% | 3,547 |
| Memoranda: | ||
| Average total assets | $98,284,000 | 4,027 |
| Average earning assets | $91,037,000 | 4,034 |
| Average equity | $8,527,600 | 4,442 |
| Average total loans | $42,873,000 | 4,341 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 3,336 |
| Cost of funding earning assets | 0.8622% | 2,400 |
| Net interest margin | 3.5436% | 3,427 |
| Noninterest income to average assets | 0.3683% | 3,507 |
| Noninterest expense to average assets | 3.1620% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4883% | 4,543 |
| Return on assets (ROA) | 1.4866% | 1,282 |
| Pretax return on assets | 1.4866% | 1,999 |
| Return on Equity (ROE) | 17.3907% | 442 |
| Retained earnings to average equity (ytd only) | 8.1588% | 1,328 |
| Net charge-offs to loans | -0.0633% | 4,889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6223% | 467 |
| Assets per employee ($millions) | 4.2353% | 3,567 |
| Cash dividends to net income (ytd only)* | 53.0851% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2454% | 308 |
| Loan loss allowance to noncurrent loans | 10,787.5000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 4,725 |
| Noncurrent loans to loans | 0.0208% | 4,581 |
| Net loans and leases to total assets | 36.9622% | 4,903 |
| Net loans and leases to deposits | 42.4785% | 4,948 |
| Net loans and leases to core deposits | 42.9899% | 4,981 |
| Total domestic deposits to total assets | 87.0139% | 1,507 |
| Equity capital to assets | 9.3579% | 4,557 |
| Core capital (leverage) ratio | 9.2836% | 4,388 |
| Tier 1 risk-based capital ratio | 11.1459% | 4,844 |
| Total risk-based capital ratio | 12.2023% | 4,814 |
| Memoranda: | ||
| Average total assets | $98,839,500 | 4,062 |
| Average earning assets | $91,544,000 | 4,066 |
| Average equity | $8,448,750 | 4,502 |
| Average total loans | $44,240,250 | 4,353 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4648% | 3,127 |
| Cost of funding earning assets | 0.8670% | 2,317 |
| Net interest margin | 3.5978% | 3,261 |
| Noninterest income to average assets | 0.4106% | 3,209 |
| Noninterest expense to average assets | 3.3216% | 1,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4290% | 4,681 |
| Return on assets (ROA) | 0.5005% | 4,558 |
| Pretax return on assets | 0.5005% | 4,701 |
| Return on Equity (ROE) | 6.0536% | 4,034 |
| Retained earnings to average equity (ytd only) | 0.2471% | 4,625 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5621% | 411 |
| Assets per employee ($millions) | 4.1143% | 3,707 |
| Cash dividends to net income (ytd only)* | 95.9184% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0214% | 458 |
| Loan loss allowance to noncurrent loans | 96.3387% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.8851% | 1,587 |
| Noncurrent loans to loans | 2.0982% | 657 |
| Net loans and leases to total assets | 41.3311% | 4,807 |
| Net loans and leases to deposits | 47.3891% | 4,866 |
| Net loans and leases to core deposits | 48.2588% | 4,906 |
| Total domestic deposits to total assets | 87.2164% | 1,486 |
| Equity capital to assets | 9.3201% | 4,559 |
| Core capital (leverage) ratio | 8.8065% | 4,780 |
| Tier 1 risk-based capital ratio | 10.5023% | 5,105 |
| Total risk-based capital ratio | 11.5307% | 5,099 |
| Memoranda: | ||
| Average total assets | $97,903,670 | 4,101 |
| Average earning assets | $90,889,670 | 4,099 |
| Average equity | $8,094,330 | 4,568 |
| Average total loans | $46,175,670 | 4,336 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 2,715 |
| Cost of funding earning assets | 0.8780% | 2,110 |
| Net interest margin | 3.6672% | 3,017 |
| Noninterest income to average assets | 0.4842% | 2,652 |
| Noninterest expense to average assets | 3.5288% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3488% | 4,837 |
| Return on assets (ROA) | 0.3406% | 4,860 |
| Pretax return on assets | 0.3406% | 4,914 |
| Return on Equity (ROE) | 4.4032% | 4,494 |
| Retained earnings to average equity (ytd only) | 0.1592% | 4,493 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0053% | 357 |
| Assets per employee ($millions) | 4.1053% | 3,763 |
| Cash dividends to net income (ytd only)* | 96.3855% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7503% | 775 |
| Loan loss allowance to noncurrent loans | 10,512.5000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 4,840 |
| Noncurrent loans to loans | 0.0167% | 4,709 |
| Net loans and leases to total assets | 47.9123% | 4,591 |
| Net loans and leases to deposits | 54.2559% | 4,670 |
| Net loans and leases to core deposits | 55.2406% | 4,741 |
| Total domestic deposits to total assets | 88.3079% | 1,180 |
| Equity capital to assets | 8.2403% | 5,110 |
| Core capital (leverage) ratio | 9.0007% | 4,656 |
| Tier 1 risk-based capital ratio | 10.3967% | 5,195 |
| Total risk-based capital ratio | 11.4143% | 5,203 |
| Memoranda: | ||
| Average total assets | $97,483,500 | 4,142 |
| Average earning assets | $90,204,000 | 4,140 |
| Average equity | $7,540,000 | 4,677 |
| Average total loans | $48,436,500 | 4,338 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 2,878 |
| Cost of funding earning assets | 0.6212% | 2,581 |
| Net interest margin | 3.7443% | 2,879 |
| Noninterest income to average assets | 0.1407% | 5,008 |
| Noninterest expense to average assets | 2.9199% | 2,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6891% | 4,170 |
| Return on assets (ROA) | 0.7151% | 4,106 |
| Pretax return on assets | 0.7151% | 4,374 |
| Return on Equity (ROE) | 9.1795% | 2,900 |
| Retained earnings to average equity (ytd only) | 1.3515% | 4,592 |
| Net charge-offs to loans | -0.1536% | 5,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9070% | 880 |
| Assets per employee ($millions) | 3.8576% | 4,093 |
| Cash dividends to net income (ytd only)* | 85.2770% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7245% | 793 |
| Loan loss allowance to noncurrent loans | 9,355.5556% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 4,859 |
| Noncurrent loans to loans | 0.0184% | 4,711 |
| Net loans and leases to total assets | 49.7548% | 4,539 |
| Net loans and leases to deposits | 56.9910% | 4,619 |
| Net loans and leases to core deposits | 57.8841% | 4,706 |
| Total domestic deposits to total assets | 87.3029% | 1,641 |
| Equity capital to assets | 7.2180% | 5,316 |
| Core capital (leverage) ratio | 9.1848% | 4,473 |
| Tier 1 risk-based capital ratio | 10.1531% | 5,265 |
| Total risk-based capital ratio | 11.1484% | 5,286 |
| Memoranda: | ||
| Average total assets | $95,927,000 | 4,170 |
| Average earning assets | $88,855,200 | 4,169 |
| Average equity | $7,473,200 | 4,682 |
| Average total loans | $51,426,000 | 4,288 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2986% | 2,969 |
| Cost of funding earning assets | 0.5746% | 2,666 |
| Net interest margin | 3.7239% | 2,920 |
| Noninterest income to average assets | 0.2686% | 4,354 |
| Noninterest expense to average assets | 3.0981% | 1,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6249% | 4,435 |
| Return on assets (ROA) | 0.6374% | 4,413 |
| Pretax return on assets | 0.6374% | 4,663 |
| Return on Equity (ROE) | 8.0335% | 3,537 |
| Retained earnings to average equity (ytd only) | 1.3682% | 4,756 |
| Net charge-offs to loans | -0.1869% | 5,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2150% | 689 |
| Assets per employee ($millions) | 3.4126% | 4,666 |
| Cash dividends to net income (ytd only)* | 82.9690% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 788 |
| Loan loss allowance to noncurrent loans | 9,288.8889% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 4,967 |
| Noncurrent loans to loans | 0.0189% | 4,827 |
| Net loans and leases to total assets | 50.7489% | 4,544 |
| Net loans and leases to deposits | 57.2660% | 4,684 |
| Net loans and leases to core deposits | 58.1910% | 4,780 |
| Total domestic deposits to total assets | 88.6195% | 996 |
| Equity capital to assets | 7.7675% | 5,249 |
| Core capital (leverage) ratio | 9.3310% | 4,362 |
| Tier 1 risk-based capital ratio | 10.1020% | 5,366 |
| Total risk-based capital ratio | 11.0879% | 5,367 |
| Memoranda: | ||
| Average total assets | $95,799,000 | 4,213 |
| Average earning assets | $88,864,000 | 4,206 |
| Average equity | $7,601,250 | 4,715 |
| Average total loans | $52,076,250 | 4,307 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2182% | 3,060 |
| Cost of funding earning assets | 0.5781% | 2,374 |
| Net interest margin | 3.6401% | 3,157 |
| Noninterest income to average assets | 0.2556% | 4,482 |
| Noninterest expense to average assets | 2.9576% | 2,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6392% | 4,379 |
| Return on assets (ROA) | 0.6843% | 4,246 |
| Pretax return on assets | 0.7193% | 4,463 |
| Return on Equity (ROE) | 8.5464% | 3,237 |
| Retained earnings to average equity (ytd only) | 8.5464% | 1,384 |
| Net charge-offs to loans | -0.1157% | 5,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4878% | 874 |
| Assets per employee ($millions) | 3.5076% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 947 |
| Loan loss allowance to noncurrent loans | 103.6554% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 1,849 |
| Noncurrent loans to loans | 1.6145% | 1,003 |
| Net loans and leases to total assets | 49.2588% | 4,649 |
| Net loans and leases to deposits | 54.3110% | 4,833 |
| Net loans and leases to core deposits | 55.1437% | 4,892 |
| Total domestic deposits to total assets | 90.6975% | 327 |
| Equity capital to assets | 7.8137% | 5,294 |
| Core capital (leverage) ratio | 9.1156% | 4,566 |
| Tier 1 risk-based capital ratio | 11.0598% | 5,024 |
| Total risk-based capital ratio | 12.0804% | 5,031 |
| Memoranda: | ||
| Average total assets | $97,038,670 | 4,224 |
| Average earning assets | $89,943,330 | 4,223 |
| Average equity | $7,769,330 | 4,733 |
| Average total loans | $53,569,670 | 4,316 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,556 |
| Cost of funding earning assets | 0.5815% | 2,162 |
| Net interest margin | 3.7094% | 2,762 |
| Noninterest income to average assets | 0.2037% | 4,809 |
| Noninterest expense to average assets | 2.8878% | 2,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7164% | 4,047 |
| Return on assets (ROA) | 0.8024% | 3,701 |
| Pretax return on assets | 0.8350% | 4,070 |
| Return on Equity (ROE) | 9.9070% | 2,486 |
| Retained earnings to average equity (ytd only) | 9.9070% | 1,191 |
| Net charge-offs to loans | -0.1413% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4843% | 1,198 |
| Assets per employee ($millions) | 3.6141% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,598 |
| Loan loss allowance to noncurrent loans | 385.7143% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 4,018 |
| Noncurrent loans to loans | 0.3796% | 3,422 |
| Net loans and leases to total assets | 56.0750% | 4,116 |
| Net loans and leases to deposits | 62.1192% | 4,330 |
| Net loans and leases to core deposits | 63.0823% | 4,485 |
| Total domestic deposits to total assets | 90.2700% | 555 |
| Equity capital to assets | 8.2359% | 5,157 |
| Core capital (leverage) ratio | 8.9599% | 4,723 |
| Tier 1 risk-based capital ratio | 10.3829% | 5,391 |
| Total risk-based capital ratio | 11.3304% | 5,413 |
| Memoranda: | ||
| Average total assets | $98,205,000 | 4,247 |
| Average earning assets | $90,795,500 | 4,252 |
| Average equity | $7,954,000 | 4,753 |
| Average total loans | $56,632,000 | 4,287 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 3,042 |
| Cost of funding earning assets | 0.4778% | 2,522 |
| Net interest margin | 3.6260% | 3,081 |
| Noninterest income to average assets | 0.3399% | 4,038 |
| Noninterest expense to average assets | 3.1210% | 1,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5570% | 4,202 |
| Return on assets (ROA) | 0.7159% | 3,584 |
| Pretax return on assets | 0.7365% | 4,425 |
| Return on Equity (ROE) | 8.5427% | 2,524 |
| Retained earnings to average equity (ytd only) | 8.5427% | 604 |
| Net charge-offs to loans | -0.0951% | 5,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4953% | 734 |
| Assets per employee ($millions) | 3.9401% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 2,338 |
| Loan loss allowance to noncurrent loans | 8,477.7778% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 5,130 |
| Noncurrent loans to loans | 0.0151% | 4,967 |
| Net loans and leases to total assets | 57.6184% | 4,048 |
| Net loans and leases to deposits | 68.5297% | 3,987 |
| Net loans and leases to core deposits | 69.5758% | 4,198 |
| Total domestic deposits to total assets | 84.0780% | 3,171 |
| Equity capital to assets | 7.9742% | 5,403 |
| Core capital (leverage) ratio | 8.5447% | 5,099 |
| Tier 1 risk-based capital ratio | 9.5179% | 5,602 |
| Total risk-based capital ratio | 10.3735% | 5,619 |
| Memoranda: | ||
| Average total assets | $97,085,200 | 4,286 |
| Average earning assets | $89,794,800 | 4,293 |
| Average equity | $8,135,600 | 4,764 |
| Average total loans | $53,643,200 | 4,374 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0328% | 3,233 |
| Cost of funding earning assets | 0.4392% | 2,815 |
| Net interest margin | 3.5936% | 3,176 |
| Noninterest income to average assets | 0.3495% | 4,034 |
| Noninterest expense to average assets | 3.1444% | 1,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5320% | 4,644 |
| Return on assets (ROA) | 0.6489% | 4,249 |
| Pretax return on assets | 0.6489% | 4,727 |
| Return on Equity (ROE) | 7.6449% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.6449% | 1,372 |
| Net charge-offs to loans | -0.0768% | 5,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5303% | 653 |
| Assets per employee ($millions) | 3.8913% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,527 |
| Loan loss allowance to noncurrent loans | 1,325.0000% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 4,960 |
| Noncurrent loans to loans | 0.0958% | 4,683 |
| Net loans and leases to total assets | 57.0665% | 4,147 |
| Net loans and leases to deposits | 66.6694% | 4,203 |
| Net loans and leases to core deposits | 67.8796% | 4,369 |
| Total domestic deposits to total assets | 85.5962% | 2,478 |
| Equity capital to assets | 8.1196% | 5,474 |
| Core capital (leverage) ratio | 8.8774% | 4,894 |
| Tier 1 risk-based capital ratio | 9.7053% | 5,651 |
| Total risk-based capital ratio | 10.5516% | 5,675 |
| Memoranda: | ||
| Average total assets | $95,745,750 | 4,359 |
| Average earning assets | $88,637,500 | 4,358 |
| Average equity | $8,127,250 | 4,820 |
| Average total loans | $52,106,750 | 4,443 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 3,202 |
| Cost of funding earning assets | 0.3990% | 3,084 |
| Net interest margin | 3.6025% | 3,027 |
| Noninterest income to average assets | 0.3683% | 3,917 |
| Noninterest expense to average assets | 3.2533% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4407% | 4,869 |
| Return on assets (ROA) | 0.6025% | 4,341 |
| Pretax return on assets | 0.6025% | 4,800 |
| Return on Equity (ROE) | 6.9894% | 3,558 |
| Retained earnings to average equity (ytd only) | 6.9894% | 1,595 |
| Net charge-offs to loans | -0.0800% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0692% | 541 |
| Assets per employee ($millions) | 3.6372% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 1,943 |
| Loan loss allowance to noncurrent loans | 1,926.3158% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 5,089 |
| Noncurrent loans to loans | 0.0728% | 4,840 |
| Net loans and leases to total assets | 54.4561% | 4,355 |
| Net loans and leases to deposits | 63.1354% | 4,424 |
| Net loans and leases to core deposits | 64.1515% | 4,592 |
| Total domestic deposits to total assets | 86.2530% | 2,267 |
| Equity capital to assets | 8.6374% | 5,197 |
| Core capital (leverage) ratio | 9.0023% | 4,720 |
| Tier 1 risk-based capital ratio | 10.2645% | 5,553 |
| Total risk-based capital ratio | 11.1562% | 5,613 |
| Memoranda: | ||
| Average total assets | $93,936,000 | 4,416 |
| Average earning assets | $86,717,670 | 4,423 |
| Average equity | $8,098,000 | 4,842 |
| Average total loans | $49,982,670 | 4,532 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8457% | 3,597 |
| Cost of funding earning assets | 0.3674% | 3,342 |
| Net interest margin | 3.4783% | 3,363 |
| Noninterest income to average assets | 0.3632% | 3,935 |
| Noninterest expense to average assets | 3.3411% | 1,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2179% | 5,371 |
| Return on assets (ROA) | 0.3632% | 5,062 |
| Pretax return on assets | 0.3632% | 5,219 |
| Return on Equity (ROE) | 4.2168% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.2168% | 3,343 |
| Net charge-offs to loans | -0.0819% | 5,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8776% | 388 |
| Assets per employee ($millions) | 3.8454% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 1,978 |
| Loan loss allowance to noncurrent loans | 1,851.2821% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 5,145 |
| Noncurrent loans to loans | 0.0769% | 4,891 |
| Net loans and leases to total assets | 52.0112% | 4,515 |
| Net loans and leases to deposits | 60.4461% | 4,536 |
| Net loans and leases to core deposits | 61.7845% | 4,672 |
| Total domestic deposits to total assets | 86.0457% | 2,644 |
| Equity capital to assets | 8.2613% | 5,378 |
| Core capital (leverage) ratio | 9.6658% | 3,907 |
| Tier 1 risk-based capital ratio | 10.4210% | 5,576 |
| Total risk-based capital ratio | 11.3180% | 5,641 |
| Memoranda: | ||
| Average total assets | $93,621,000 | 4,469 |
| Average earning assets | $86,019,000 | 4,478 |
| Average equity | $8,063,000 | 4,891 |
| Average total loans | $48,859,500 | 4,593 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9697% | 3,310 |
| Cost of funding earning assets | 0.3902% | 3,100 |
| Net interest margin | 3.5794% | 3,142 |
| Noninterest income to average assets | 0.3457% | 4,265 |
| Noninterest expense to average assets | 3.1992% | 1,791 |
| Loan and lease loss provision to assets | 0.0106% | 4,161 |
| Net operating income to assets | 0.2898% | 5,244 |
| Return on assets (ROA) | 0.3903% | 5,058 |
| Pretax return on assets | 0.5690% | 4,875 |
| Return on Equity (ROE) | 4.4126% | 4,704 |
| Retained earnings to average equity (ytd only) | -0.5170% | 5,382 |
| Net charge-offs to loans | -0.0864% | 5,546 |
| Credit loss provision to net charge-offs | -24.3902% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0562% | 678 |
| Assets per employee ($millions) | 3.2526% | 5,095 |
| Cash dividends to net income (ytd only)* | 111.7166% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 1,616 |
| Loan loss allowance to noncurrent loans | 1,736.5854% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 5,162 |
| Noncurrent loans to loans | 0.0872% | 4,891 |
| Net loans and leases to total assets | 50.8213% | 4,706 |
| Net loans and leases to deposits | 57.8680% | 4,797 |
| Net loans and leases to core deposits | 60.1959% | 4,854 |
| Total domestic deposits to total assets | 87.8228% | 1,728 |
| Equity capital to assets | 8.9325% | 4,879 |
| Core capital (leverage) ratio | 9.8963% | 3,628 |
| Tier 1 risk-based capital ratio | 11.5907% | 4,992 |
| Total risk-based capital ratio | 12.5278% | 5,080 |
| Memoranda: | ||
| Average total assets | $94,024,800 | 4,467 |
| Average earning assets | $86,355,200 | 4,467 |
| Average equity | $8,317,000 | 4,881 |
| Average total loans | $47,431,400 | 4,653 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9372% | 3,467 |
| Cost of funding earning assets | 0.3968% | 3,051 |
| Net interest margin | 3.5404% | 3,317 |
| Noninterest income to average assets | 0.3518% | 4,270 |
| Noninterest expense to average assets | 3.1418% | 1,923 |
| Loan and lease loss provision to assets | 0.0141% | 3,972 |
| Net operating income to assets | 0.3155% | 5,254 |
| Return on assets (ROA) | 0.4179% | 5,054 |
| Pretax return on assets | 0.6106% | 4,847 |
| Return on Equity (ROE) | 4.7353% | 4,624 |
| Retained earnings to average equity (ytd only) | 0.5899% | 5,203 |
| Net charge-offs to loans | -0.0869% | 5,525 |
| Credit loss provision to net charge-offs | -32.2581% | 4,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8872% | 745 |
| Assets per employee ($millions) | 3.0908% | 5,298 |
| Cash dividends to net income (ytd only)* | 87.5426% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 1,766 |
| Loan loss allowance to noncurrent loans | 1,712.1951% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 5,286 |
| Noncurrent loans to loans | 0.0876% | 4,992 |
| Net loans and leases to total assets | 51.4291% | 4,699 |
| Net loans and leases to deposits | 57.7163% | 4,894 |
| Net loans and leases to core deposits | 60.2738% | 4,921 |
| Total domestic deposits to total assets | 89.1068% | 853 |
| Equity capital to assets | 9.4228% | 4,748 |
| Core capital (leverage) ratio | 9.7885% | 3,822 |
| Tier 1 risk-based capital ratio | 11.5421% | 5,061 |
| Total risk-based capital ratio | 12.4539% | 5,158 |
| Memoranda: | ||
| Average total assets | $94,763,000 | 4,490 |
| Average earning assets | $87,369,250 | 4,483 |
| Average equity | $8,362,500 | 4,923 |
| Average total loans | $47,540,250 | 4,680 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8342% | 3,833 |
| Cost of funding earning assets | 0.4025% | 3,016 |
| Net interest margin | 3.4316% | 3,756 |
| Noninterest income to average assets | 0.2280% | 5,125 |
| Noninterest expense to average assets | 2.9998% | 2,348 |
| Loan and lease loss provision to assets | 0.0207% | 3,724 |
| Net operating income to assets | 0.2616% | 5,410 |
| Return on assets (ROA) | 0.3545% | 5,255 |
| Pretax return on assets | 0.5038% | 5,120 |
| Return on Equity (ROE) | 4.1033% | 4,868 |
| Retained earnings to average equity (ytd only) | 0.2640% | 5,224 |
| Net charge-offs to loans | -0.0795% | 5,542 |
| Credit loss provision to net charge-offs | -52.6316% | 4,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4474% | 689 |
| Assets per employee ($millions) | 3.4285% | 4,873 |
| Cash dividends to net income (ytd only)* | 93.5673% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 2,147 |
| Loan loss allowance to noncurrent loans | 1,682.9268% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 5,403 |
| Noncurrent loans to loans | 0.0851% | 5,110 |
| Net loans and leases to total assets | 49.4755% | 4,876 |
| Net loans and leases to deposits | 54.9679% | 5,081 |
| Net loans and leases to core deposits | 57.2463% | 5,112 |
| Total domestic deposits to total assets | 90.0080% | 486 |
| Equity capital to assets | 8.8003% | 5,403 |
| Core capital (leverage) ratio | 9.1486% | 4,666 |
| Tier 1 risk-based capital ratio | 11.5474% | 5,123 |
| Total risk-based capital ratio | 12.4467% | 5,234 |
| Memoranda: | ||
| Average total assets | $96,472,670 | 4,491 |
| Average earning assets | $88,937,330 | 4,488 |
| Average equity | $8,334,670 | 4,964 |
| Average total loans | $47,787,000 | 4,717 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 3,740 |
| Cost of funding earning assets | 0.4048% | 3,013 |
| Net interest margin | 3.4539% | 3,650 |
| Noninterest income to average assets | 0.1944% | 5,343 |
| Noninterest expense to average assets | 3.0235% | 2,322 |
| Loan and lease loss provision to assets | 0.0414% | 3,096 |
| Net operating income to assets | 0.2129% | 5,504 |
| Return on assets (ROA) | 0.3185% | 5,331 |
| Pretax return on assets | 0.4591% | 5,188 |
| Return on Equity (ROE) | 3.7207% | 4,988 |
| Retained earnings to average equity (ytd only) | 0.8215% | 4,895 |
| Net charge-offs to loans | -0.1009% | 5,638 |
| Credit loss provision to net charge-offs | -83.3333% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6933% | 694 |
| Assets per employee ($millions) | 3.5263% | 4,775 |
| Cash dividends to net income (ytd only)* | 77.9221% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 2,218 |
| Loan loss allowance to noncurrent loans | 975.7143% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 5,291 |
| Noncurrent loans to loans | 0.1482% | 4,878 |
| Net loans and leases to total assets | 48.8862% | 4,899 |
| Net loans and leases to deposits | 54.3439% | 5,082 |
| Net loans and leases to core deposits | 55.6772% | 5,149 |
| Total domestic deposits to total assets | 89.9570% | 617 |
| Equity capital to assets | 8.7689% | 5,367 |
| Core capital (leverage) ratio | 9.5221% | 4,158 |
| Tier 1 risk-based capital ratio | 11.6154% | 5,163 |
| Total risk-based capital ratio | 12.5062% | 5,272 |
| Memoranda: | ||
| Average total assets | $96,710,500 | 4,518 |
| Average earning assets | $88,943,500 | 4,530 |
| Average equity | $8,278,000 | 5,001 |
| Average total loans | $47,588,000 | 4,748 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8197% | 3,981 |
| Cost of funding earning assets | 0.3631% | 3,548 |
| Net interest margin | 3.4566% | 3,690 |
| Noninterest income to average assets | 0.2929% | 4,792 |
| Noninterest expense to average assets | 3.0452% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2759% | 5,422 |
| Return on assets (ROA) | 0.3795% | 5,196 |
| Pretax return on assets | 0.5536% | 4,979 |
| Return on Equity (ROE) | 4.2586% | 4,827 |
| Retained earnings to average equity (ytd only) | 1.3337% | 4,966 |
| Net charge-offs to loans | -0.0608% | 5,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3011% | 814 |
| Assets per employee ($millions) | 3.2737% | 5,186 |
| Cash dividends to net income (ytd only)* | 68.6813% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 2,519 |
| Loan loss allowance to noncurrent loans | 905.4795% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 5,333 |
| Noncurrent loans to loans | 0.1522% | 4,887 |
| Net loans and leases to total assets | 48.1489% | 5,001 |
| Net loans and leases to deposits | 57.4018% | 4,953 |
| Net loans and leases to core deposits | 58.8300% | 5,053 |
| Total domestic deposits to total assets | 83.8805% | 3,534 |
| Equity capital to assets | 8.3566% | 5,664 |
| Core capital (leverage) ratio | 9.2366% | 4,567 |
| Tier 1 risk-based capital ratio | 11.5733% | 5,204 |
| Total risk-based capital ratio | 12.4338% | 5,328 |
| Memoranda: | ||
| Average total assets | $95,922,000 | 4,540 |
| Average earning assets | $87,572,400 | 4,546 |
| Average equity | $8,547,400 | 4,948 |
| Average total loans | $46,049,000 | 4,791 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 4,232 |
| Cost of funding earning assets | 0.3631% | 3,622 |
| Net interest margin | 3.3950% | 3,979 |
| Noninterest income to average assets | 0.2685% | 5,015 |
| Noninterest expense to average assets | 3.0302% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2322% | 5,612 |
| Return on assets (ROA) | 0.3538% | 5,392 |
| Pretax return on assets | 0.5132% | 5,193 |
| Return on Equity (ROE) | 3.9076% | 5,059 |
| Retained earnings to average equity (ytd only) | 1.5908% | 5,067 |
| Net charge-offs to loans | -0.0527% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9917% | 701 |
| Assets per employee ($millions) | 3.2336% | 5,241 |
| Cash dividends to net income (ytd only)* | 59.2909% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 2,528 |
| Loan loss allowance to noncurrent loans | 163.9798% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 4,136 |
| Noncurrent loans to loans | 0.8629% | 2,821 |
| Net loans and leases to total assets | 46.7555% | 5,173 |
| Net loans and leases to deposits | 52.4552% | 5,344 |
| Net loans and leases to core deposits | 53.5388% | 5,430 |
| Total domestic deposits to total assets | 89.1340% | 957 |
| Equity capital to assets | 8.7559% | 5,527 |
| Core capital (leverage) ratio | 9.3120% | 4,570 |
| Tier 1 risk-based capital ratio | 11.7627% | 5,230 |
| Total risk-based capital ratio | 12.6252% | 5,357 |
| Memoranda: | ||
| Average total assets | $95,350,000 | 4,613 |
| Average earning assets | $87,026,500 | 4,605 |
| Average equity | $8,632,500 | 4,992 |
| Average total loans | $45,574,250 | 4,856 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 4,260 |
| Cost of funding earning assets | 0.3598% | 3,705 |
| Net interest margin | 3.3843% | 3,951 |
| Noninterest income to average assets | 0.3207% | 4,661 |
| Noninterest expense to average assets | 3.1372% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1788% | 5,743 |
| Return on assets (ROA) | 0.3608% | 5,374 |
| Pretax return on assets | 0.5232% | 5,168 |
| Return on Equity (ROE) | 3.9407% | 5,039 |
| Retained earnings to average equity (ytd only) | 1.9819% | 4,711 |
| Net charge-offs to loans | -0.0880% | 5,737 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3602% | 620 |
| Assets per employee ($millions) | 3.2053% | 5,335 |
| Cash dividends to net income (ytd only)* | 49.7076% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 2,411 |
| Loan loss allowance to noncurrent loans | 2,251.7241% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 5,754 |
| Noncurrent loans to loans | 0.0653% | 5,474 |
| Net loans and leases to total assets | 45.5148% | 5,288 |
| Net loans and leases to deposits | 52.4797% | 5,352 |
| Net loans and leases to core deposits | 53.9268% | 5,423 |
| Total domestic deposits to total assets | 86.7284% | 2,307 |
| Equity capital to assets | 8.7105% | 5,515 |
| Core capital (leverage) ratio | 9.2300% | 4,649 |
| Tier 1 risk-based capital ratio | 11.8870% | 5,225 |
| Total risk-based capital ratio | 12.7629% | 5,378 |
| Memoranda: | ||
| Average total assets | $94,797,000 | 4,661 |
| Average earning assets | $86,161,330 | 4,675 |
| Average equity | $8,678,670 | 5,017 |
| Average total loans | $45,429,670 | 4,907 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 4,239 |
| Cost of funding earning assets | 0.3620% | 3,727 |
| Net interest margin | 3.3755% | 3,932 |
| Noninterest income to average assets | 0.3443% | 4,444 |
| Noninterest expense to average assets | 3.2131% | 1,956 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0411% | 5,968 |
| Return on assets (ROA) | 0.0765% | 5,971 |
| Pretax return on assets | 0.2380% | 5,775 |
| Return on Equity (ROE) | 0.8154% | 5,945 |
| Retained earnings to average equity (ytd only) | -0.7701% | 5,513 |
| Net charge-offs to loans | -0.0871% | 5,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6183% | 562 |
| Assets per employee ($millions) | 3.3699% | 5,133 |
| Cash dividends to net income (ytd only)* | 194.4444% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 2,630 |
| Loan loss allowance to noncurrent loans | 3,782.3529% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 5,712 |
| Noncurrent loans to loans | 0.0386% | 5,630 |
| Net loans and leases to total assets | 46.0501% | 5,195 |
| Net loans and leases to deposits | 52.7362% | 5,286 |
| Net loans and leases to core deposits | 54.2086% | 5,356 |
| Total domestic deposits to total assets | 87.3217% | 2,205 |
| Equity capital to assets | 9.3802% | 4,881 |
| Core capital (leverage) ratio | 9.5899% | 4,161 |
| Tier 1 risk-based capital ratio | 12.4234% | 4,962 |
| Total risk-based capital ratio | 13.3355% | 5,088 |
| Memoranda: | ||
| Average total assets | $94,115,500 | 4,718 |
| Average earning assets | $85,083,500 | 4,744 |
| Average equity | $8,830,000 | 5,026 |
| Average total loans | $45,934,500 | 4,922 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 3,275 |
| Cost of funding earning assets | 0.3886% | 3,806 |
| Net interest margin | 3.7260% | 2,898 |
| Noninterest income to average assets | 0.2828% | 5,099 |
| Noninterest expense to average assets | 3.0609% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4083% | 5,196 |
| Return on assets (ROA) | 0.5325% | 4,759 |
| Pretax return on assets | 0.7801% | 4,336 |
| Return on Equity (ROE) | 5.7798% | 4,269 |
| Retained earnings to average equity (ytd only) | 2.9138% | 4,167 |
| Net charge-offs to loans | -0.0882% | 6,084 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6692% | 1,453 |
| Assets per employee ($millions) | 3.3525% | 5,159 |
| Cash dividends to net income (ytd only)* | 49.5868% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 3,295 |
| Loan loss allowance to noncurrent loans | 822.0779% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 5,699 |
| Noncurrent loans to loans | 0.1612% | 5,250 |
| Net loans and leases to total assets | 50.2200% | 4,948 |
| Net loans and leases to deposits | 59.1392% | 4,970 |
| Net loans and leases to core deposits | 60.8475% | 5,074 |
| Total domestic deposits to total assets | 84.9183% | 3,320 |
| Equity capital to assets | 9.2576% | 4,998 |
| Core capital (leverage) ratio | 9.5949% | 4,109 |
| Tier 1 risk-based capital ratio | 13.3048% | 4,541 |
| Total risk-based capital ratio | 14.2778% | 4,625 |
| Memoranda: | ||
| Average total assets | $90,889,400 | 4,817 |
| Average earning assets | $82,340,200 | 4,846 |
| Average equity | $8,374,000 | 5,110 |
| Average total loans | $45,326,400 | 4,987 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1465% | 3,183 |
| Cost of funding earning assets | 0.3975% | 3,818 |
| Net interest margin | 3.7490% | 2,817 |
| Noninterest income to average assets | 0.2529% | 5,408 |
| Noninterest expense to average assets | 3.0084% | 2,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4515% | 5,069 |
| Return on assets (ROA) | 0.5561% | 4,728 |
| Pretax return on assets | 0.8164% | 4,304 |
| Return on Equity (ROE) | 6.0436% | 4,209 |
| Retained earnings to average equity (ytd only) | 4.5970% | 3,364 |
| Net charge-offs to loans | -0.1014% | 6,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9500% | 1,628 |
| Assets per employee ($millions) | 3.3091% | 5,224 |
| Cash dividends to net income (ytd only)* | 23.9368% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 3,510 |
| Loan loss allowance to noncurrent loans | 1,183.0189% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 5,036 |
| Noncurrent loans to loans | 0.1122% | 5,592 |
| Net loans and leases to total assets | 50.2871% | 4,976 |
| Net loans and leases to deposits | 59.3496% | 5,001 |
| Net loans and leases to core deposits | 59.9221% | 5,196 |
| Total domestic deposits to total assets | 84.7303% | 3,446 |
| Equity capital to assets | 9.3801% | 4,944 |
| Core capital (leverage) ratio | 9.5192% | 4,345 |
| Tier 1 risk-based capital ratio | 13.4727% | 4,563 |
| Total risk-based capital ratio | 14.4439% | 4,669 |
| Memoranda: | ||
| Average total assets | $90,144,500 | 4,885 |
| Average earning assets | $82,188,000 | 4,900 |
| Average equity | $8,295,000 | 5,171 |
| Average total loans | $44,714,500 | 5,063 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 2,848 |
| Cost of funding earning assets | 0.4072% | 3,799 |
| Net interest margin | 3.8227% | 2,473 |
| Noninterest income to average assets | 0.2889% | 5,109 |
| Noninterest expense to average assets | 3.1352% | 2,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4261% | 5,110 |
| Return on assets (ROA) | 0.5845% | 4,527 |
| Pretax return on assets | 0.8555% | 4,058 |
| Return on Equity (ROE) | 6.3947% | 3,944 |
| Retained earnings to average equity (ytd only) | 4.9247% | 3,006 |
| Net charge-offs to loans | -0.1459% | 6,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4327% | 1,581 |
| Assets per employee ($millions) | 3.1383% | 5,530 |
| Cash dividends to net income (ytd only)* | 22.9885% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 3,432 |
| Loan loss allowance to noncurrent loans | 5,681.8182% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 5,294 |
| Noncurrent loans to loans | 0.0244% | 5,995 |
| Net loans and leases to total assets | 48.9166% | 5,091 |
| Net loans and leases to deposits | 56.0042% | 5,191 |
| Net loans and leases to core deposits | 56.8989% | 5,355 |
| Total domestic deposits to total assets | 87.3445% | 2,283 |
| Equity capital to assets | 9.3636% | 4,889 |
| Core capital (leverage) ratio | 9.8167% | 3,863 |
| Tier 1 risk-based capital ratio | 13.7989% | 4,388 |
| Total risk-based capital ratio | 14.8002% | 4,489 |
| Memoranda: | ||
| Average total assets | $89,308,000 | 4,946 |
| Average earning assets | $81,042,330 | 4,960 |
| Average equity | $8,163,000 | 5,222 |
| Average total loans | $43,879,330 | 5,132 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5912% | 1,529 |
| Cost of funding earning assets | 0.4260% | 3,685 |
| Net interest margin | 4.1651% | 1,307 |
| Noninterest income to average assets | 0.2261% | 5,546 |
| Noninterest expense to average assets | 3.1383% | 2,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5738% | 4,330 |
| Return on assets (ROA) | 0.7552% | 3,472 |
| Pretax return on assets | 1.1124% | 2,844 |
| Return on Equity (ROE) | 8.3673% | 2,753 |
| Retained earnings to average equity (ytd only) | 5.3611% | 2,879 |
| Net charge-offs to loans | -0.1202% | 6,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7741% | 2,363 |
| Assets per employee ($millions) | 3.0949% | 5,701 |
| Cash dividends to net income (ytd only)* | 35.9281% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 3,408 |
| Loan loss allowance to noncurrent loans | 232.1839% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 4,440 |
| Noncurrent loans to loans | 0.6205% | 4,312 |
| Net loans and leases to total assets | 47.8392% | 5,155 |
| Net loans and leases to deposits | 54.4071% | 5,247 |
| Net loans and leases to core deposits | 55.3145% | 5,412 |
| Total domestic deposits to total assets | 87.9283% | 2,272 |
| Equity capital to assets | 9.3518% | 4,696 |
| Core capital (leverage) ratio | 9.7628% | 3,913 |
| Tier 1 risk-based capital ratio | 14.2675% | 4,153 |
| Total risk-based capital ratio | 15.2823% | 4,247 |
| Memoranda: | ||
| Average total assets | $88,456,000 | 5,008 |
| Average earning assets | $79,805,500 | 5,030 |
| Average equity | $7,983,500 | 5,300 |
| Average total loans | $43,246,500 | 5,199 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 4,182 |
| Cost of funding earning assets | 0.4918% | 3,686 |
| Net interest margin | 3.4816% | 3,981 |
| Noninterest income to average assets | 0.4303% | 4,233 |
| Noninterest expense to average assets | 3.4808% | 1,700 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0930% | 6,060 |
| Return on assets (ROA) | 0.3503% | 5,443 |
| Pretax return on assets | 0.4585% | 5,329 |
| Return on Equity (ROE) | 3.9096% | 5,154 |
| Retained earnings to average equity (ytd only) | -0.0262% | 5,871 |
| Net charge-offs to loans | 0.0842% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.9143% | 4,024 |
| Efficiency ratio | 96.6699% | 604 |
| Assets per employee ($millions) | 3.1122% | 5,650 |
| Cash dividends to net income (ytd only)* | 100.6711% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 3,957 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 1.5711% | 2,368 |
| Noncurrent loans to loans | 2.6693% | 1,380 |
| Net loans and leases to total assets | 48.5713% | 5,234 |
| Net loans and leases to deposits | 54.5418% | 5,424 |
| Net loans and leases to core deposits | 56.1112% | 5,527 |
| Total domestic deposits to total assets | 89.0532% | 1,584 |
| Equity capital to assets | 8.7120% | 5,354 |
| Core capital (leverage) ratio | 9.3649% | 4,450 |
| Tier 1 risk-based capital ratio | 13.7424% | 4,489 |
| Total risk-based capital ratio | 14.7112% | 4,614 |
| Memoranda: | ||
| Average total assets | $85,066,400 | 5,112 |
| Average earning assets | $77,464,800 | 5,106 |
| Average equity | $7,622,200 | 5,431 |
| Average total loans | $41,544,600 | 5,283 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 4,593 |
| Cost of funding earning assets | 0.4958% | 3,804 |
| Net interest margin | 3.3797% | 4,358 |
| Noninterest income to average assets | 0.4425% | 4,206 |
| Noninterest expense to average assets | 3.4188% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0719% | 6,187 |
| Return on assets (ROA) | 0.2992% | 5,732 |
| Pretax return on assets | 0.4393% | 5,528 |
| Return on Equity (ROE) | 3.3147% | 5,493 |
| Retained earnings to average equity (ytd only) | 3.3147% | 4,319 |
| Net charge-offs to loans | -0.0033% | 5,730 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0190% | 574 |
| Assets per employee ($millions) | 3.0364% | 5,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 3,938 |
| Loan loss allowance to noncurrent loans | 36.9782% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 2.1912% | 1,822 |
| Noncurrent loans to loans | 3.7585% | 980 |
| Net loans and leases to total assets | 48.9928% | 5,248 |
| Net loans and leases to deposits | 57.1588% | 5,266 |
| Net loans and leases to core deposits | 58.8532% | 5,377 |
| Total domestic deposits to total assets | 85.7135% | 3,398 |
| Equity capital to assets | 8.1455% | 6,052 |
| Core capital (leverage) ratio | 9.0074% | 5,117 |
| Tier 1 risk-based capital ratio | 12.6057% | 5,385 |
| Total risk-based capital ratio | 13.6129% | 5,473 |
| Memoranda: | ||
| Average total assets | $83,769,250 | 5,196 |
| Average earning assets | $76,376,000 | 5,185 |
| Average equity | $7,562,000 | 5,506 |
| Average total loans | $40,823,000 | 5,360 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 4,561 |
| Cost of funding earning assets | 0.5194% | 3,707 |
| Net interest margin | 3.3569% | 4,352 |
| Noninterest income to average assets | 0.4353% | 4,277 |
| Noninterest expense to average assets | 3.5142% | 1,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0163% | 6,316 |
| Return on assets (ROA) | 0.3148% | 5,699 |
| Pretax return on assets | 0.4599% | 5,496 |
| Return on Equity (ROE) | 3.3643% | 5,481 |
| Retained earnings to average equity (ytd only) | 3.3643% | 4,176 |
| Net charge-offs to loans | -0.0051% | 5,637 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7757% | 463 |
| Assets per employee ($millions) | 2.7151% | 6,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 3,616 |
| Loan loss allowance to noncurrent loans | 36.2327% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 2.4131% | 1,762 |
| Noncurrent loans to loans | 4.1233% | 926 |
| Net loans and leases to total assets | 49.2747% | 5,189 |
| Net loans and leases to deposits | 56.9176% | 5,253 |
| Net loans and leases to core deposits | 58.7137% | 5,367 |
| Total domestic deposits to total assets | 86.5719% | 3,080 |
| Equity capital to assets | 8.7932% | 5,450 |
| Core capital (leverage) ratio | 9.4787% | 4,281 |
| Tier 1 risk-based capital ratio | 13.0454% | 5,106 |
| Total risk-based capital ratio | 14.0958% | 5,192 |
| Memoranda: | ||
| Average total assets | $81,328,000 | 5,290 |
| Average earning assets | $73,938,000 | 5,281 |
| Average equity | $7,609,330 | 5,536 |
| Average total loans | $39,344,670 | 5,451 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8271% | 4,730 |
| Cost of funding earning assets | 0.5420% | 3,651 |
| Net interest margin | 3.2851% | 4,574 |
| Noninterest income to average assets | 0.5456% | 3,470 |
| Noninterest expense to average assets | 3.9595% | 931 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2953% | 6,574 |
| Return on assets (ROA) | 0.0400% | 6,360 |
| Pretax return on assets | 0.0601% | 6,323 |
| Return on Equity (ROE) | 0.4149% | 6,343 |
| Retained earnings to average equity (ytd only) | 0.4149% | 5,653 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5178% | 295 |
| Assets per employee ($millions) | 2.5949% | 6,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 2,878 |
| Loan loss allowance to noncurrent loans | 36.2796% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 2.5186% | 1,824 |
| Noncurrent loans to loans | 4.7685% | 830 |
| Net loans and leases to total assets | 44.3457% | 5,621 |
| Net loans and leases to deposits | 52.0485% | 5,613 |
| Net loans and leases to core deposits | 53.7981% | 5,685 |
| Total domestic deposits to total assets | 85.2007% | 3,944 |
| Equity capital to assets | 9.7224% | 4,530 |
| Core capital (leverage) ratio | 9.9261% | 3,496 |
| Tier 1 risk-based capital ratio | 13.1550% | 5,103 |
| Total risk-based capital ratio | 14.2290% | 5,184 |
| Memoranda: | ||
| Average total assets | $79,908,500 | 5,367 |
| Average earning assets | $72,326,500 | 5,380 |
| Average equity | $7,713,500 | 5,580 |
| Average total loans | $37,966,000 | 5,544 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1634% | 4,716 |
| Cost of funding earning assets | 0.7018% | 3,479 |
| Net interest margin | 3.4616% | 4,666 |
| Noninterest income to average assets | 0.4812% | 4,033 |
| Noninterest expense to average assets | 3.6176% | 1,570 |
| Loan and lease loss provision to assets | 1.0014% | 421 |
| Net operating income to assets | -0.7134% | 6,654 |
| Return on assets (ROA) | 0.0290% | 6,265 |
| Pretax return on assets | 0.0416% | 6,230 |
| Return on Equity (ROE) | 0.2951% | 6,264 |
| Retained earnings to average equity (ytd only) | 0.2951% | 5,708 |
| Net charge-offs to loans | 1.8264% | 439 |
| Credit loss provision to net charge-offs | 107.2874% | 2,761 |
| Earnings coverage of net charge-offs (x) | -0.0189% | 5,491 |
| Efficiency ratio | 100.4899% | 546 |
| Assets per employee ($millions) | 2.6458% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 3,385 |
| Loan loss allowance to noncurrent loans | 35.6818% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 2.5890% | 1,877 |
| Noncurrent loans to loans | 4.4410% | 970 |
| Net loans and leases to total assets | 49.1383% | 5,285 |
| Net loans and leases to deposits | 60.1156% | 5,016 |
| Net loans and leases to core deposits | 62.2355% | 5,129 |
| Total domestic deposits to total assets | 81.7396% | 5,182 |
| Equity capital to assets | 9.5825% | 4,772 |
| Core capital (leverage) ratio | 9.6761% | 3,851 |
| Tier 1 risk-based capital ratio | 12.5560% | 5,433 |
| Total risk-based capital ratio | 13.5805% | 5,531 |
| Memoranda: | ||
| Average total assets | $79,390,200 | 5,371 |
| Average earning assets | $71,527,400 | 5,382 |
| Average equity | $7,794,400 | 5,557 |
| Average total loans | $40,571,000 | 5,481 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 4,429 |
| Cost of funding earning assets | 0.7131% | 3,652 |
| Net interest margin | 3.5936% | 4,259 |
| Noninterest income to average assets | 0.5357% | 3,705 |
| Noninterest expense to average assets | 3.6694% | 1,413 |
| Loan and lease loss provision to assets | 0.0924% | 4,441 |
| Net operating income to assets | 0.0095% | 6,266 |
| Return on assets (ROA) | 0.5055% | 5,082 |
| Pretax return on assets | 0.7339% | 4,733 |
| Return on Equity (ROE) | 5.1179% | 4,771 |
| Retained earnings to average equity (ytd only) | 5.1179% | 3,282 |
| Net charge-offs to loans | -0.0033% | 6,232 |
| Credit loss provision to net charge-offs | -5,500.0000% | 6,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1543% | 629 |
| Assets per employee ($millions) | 2.7045% | 6,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 3,736 |
| Loan loss allowance to noncurrent loans | 25.6515% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 3.3906% | 1,487 |
| Noncurrent loans to loans | 6.0368% | 674 |
| Net loans and leases to total assets | 49.3671% | 5,391 |
| Net loans and leases to deposits | 59.4776% | 5,260 |
| Net loans and leases to core deposits | 61.4957% | 5,406 |
| Total domestic deposits to total assets | 83.0012% | 4,635 |
| Equity capital to assets | 10.2693% | 4,110 |
| Core capital (leverage) ratio | 10.1161% | 3,385 |
| Tier 1 risk-based capital ratio | 13.5452% | 4,854 |
| Total risk-based capital ratio | 14.6170% | 4,934 |
| Memoranda: | ||
| Average total assets | $79,394,250 | 5,421 |
| Average earning assets | $71,608,000 | 5,443 |
| Average equity | $7,841,500 | 5,599 |
| Average total loans | $40,806,000 | 5,536 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4759% | 3,868 |
| Cost of funding earning assets | 0.7291% | 3,778 |
| Net interest margin | 3.7468% | 3,606 |
| Noninterest income to average assets | 0.4821% | 4,043 |
| Noninterest expense to average assets | 3.6034% | 1,575 |
| Loan and lease loss provision to assets | 0.0127% | 5,507 |
| Net operating income to assets | 0.1683% | 6,005 |
| Return on assets (ROA) | 0.5431% | 4,892 |
| Pretax return on assets | 0.7867% | 4,519 |
| Return on Equity (ROE) | 5.5744% | 4,541 |
| Retained earnings to average equity (ytd only) | 5.5744% | 2,945 |
| Net charge-offs to loans | -0.0049% | 6,162 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3596% | 840 |
| Assets per employee ($millions) | 2.6412% | 6,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 4,370 |
| Loan loss allowance to noncurrent loans | 20.7513% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 3.9225% | 1,319 |
| Noncurrent loans to loans | 6.8579% | 580 |
| Net loans and leases to total assets | 50.7049% | 5,264 |
| Net loans and leases to deposits | 60.8626% | 5,158 |
| Net loans and leases to core deposits | 62.9521% | 5,305 |
| Total domestic deposits to total assets | 83.3104% | 4,621 |
| Equity capital to assets | 10.0461% | 4,265 |
| Core capital (leverage) ratio | 9.7911% | 3,729 |
| Tier 1 risk-based capital ratio | 14.1532% | 4,338 |
| Total risk-based capital ratio | 15.1957% | 4,459 |
| Memoranda: | ||
| Average total assets | $78,814,000 | 5,472 |
| Average earning assets | $71,047,670 | 5,488 |
| Average equity | $7,678,000 | 5,661 |
| Average total loans | $40,846,670 | 5,561 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 3,690 |
| Cost of funding earning assets | 0.7490% | 3,868 |
| Net interest margin | 3.8072% | 3,362 |
| Noninterest income to average assets | 0.7226% | 2,546 |
| Noninterest expense to average assets | 3.7657% | 1,261 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2548% | 5,801 |
| Return on assets (ROA) | 0.5954% | 4,582 |
| Pretax return on assets | 0.8651% | 4,172 |
| Return on Equity (ROE) | 6.2094% | 4,184 |
| Retained earnings to average equity (ytd only) | 6.2094% | 2,837 |
| Net charge-offs to loans | -0.0098% | 5,936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0209% | 1,015 |
| Assets per employee ($millions) | 2.7009% | 6,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 4,392 |
| Loan loss allowance to noncurrent loans | 21.5034% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 3.8888% | 1,434 |
| Noncurrent loans to loans | 6.7269% | 697 |
| Net loans and leases to total assets | 50.0160% | 5,305 |
| Net loans and leases to deposits | 60.0481% | 5,140 |
| Net loans and leases to core deposits | 61.8894% | 5,340 |
| Total domestic deposits to total assets | 83.2931% | 4,815 |
| Equity capital to assets | 9.8893% | 4,268 |
| Core capital (leverage) ratio | 9.9726% | 3,390 |
| Tier 1 risk-based capital ratio | 14.5020% | 4,107 |
| Total risk-based capital ratio | 15.5741% | 4,196 |
| Memoranda: | ||
| Average total assets | $78,603,500 | 5,524 |
| Average earning assets | $70,497,500 | 5,544 |
| Average equity | $7,537,000 | 5,727 |
| Average total loans | $40,892,000 | 5,606 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6959% | 4,267 |
| Cost of funding earning assets | 0.9565% | 3,677 |
| Net interest margin | 3.7394% | 4,117 |
| Noninterest income to average assets | 0.4555% | 4,178 |
| Noninterest expense to average assets | 3.7146% | 1,511 |
| Loan and lease loss provision to assets | 0.7654% | 1,305 |
| Net operating income to assets | -0.4274% | 6,438 |
| Return on assets (ROA) | 0.0228% | 6,114 |
| Pretax return on assets | 0.0620% | 6,034 |
| Return on Equity (ROE) | 0.2429% | 6,107 |
| Retained earnings to average equity (ytd only) | 0.2429% | 5,716 |
| Net charge-offs to loans | 1.6454% | 951 |
| Credit loss provision to net charge-offs | 81.4266% | 4,389 |
| Earnings coverage of net charge-offs (x) | 0.1319% | 5,733 |
| Efficiency ratio | 96.7699% | 783 |
| Assets per employee ($millions) | 2.3200% | 6,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 4,617 |
| Loan loss allowance to noncurrent loans | 21.2671% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 3.8933% | 1,480 |
| Noncurrent loans to loans | 6.4211% | 737 |
| Net loans and leases to total assets | 52.5596% | 5,226 |
| Net loans and leases to deposits | 63.6939% | 5,048 |
| Net loans and leases to core deposits | 65.6329% | 5,299 |
| Total domestic deposits to total assets | 82.5190% | 4,958 |
| Equity capital to assets | 9.2901% | 5,161 |
| Core capital (leverage) ratio | 9.9884% | 3,349 |
| Tier 1 risk-based capital ratio | 13.7681% | 4,502 |
| Total risk-based capital ratio | 14.7998% | 4,631 |
| Memoranda: | ||
| Average total assets | $79,040,200 | 5,478 |
| Average earning assets | $71,508,800 | 5,484 |
| Average equity | $7,411,000 | 5,748 |
| Average total loans | $45,155,000 | 5,461 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7125% | 4,398 |
| Cost of funding earning assets | 1.0023% | 3,665 |
| Net interest margin | 3.7102% | 4,293 |
| Noninterest income to average assets | 0.5125% | 3,778 |
| Noninterest expense to average assets | 3.7834% | 1,333 |
| Loan and lease loss provision to assets | 0.7250% | 1,323 |
| Net operating income to assets | -0.4317% | 6,603 |
| Return on assets (ROA) | 0.1349% | 6,000 |
| Pretax return on assets | 0.1956% | 5,904 |
| Return on Equity (ROE) | 1.4352% | 5,964 |
| Retained earnings to average equity (ytd only) | 1.4352% | 5,431 |
| Net charge-offs to loans | 0.4847% | 2,802 |
| Credit loss provision to net charge-offs | 257.4850% | 1,110 |
| Earnings coverage of net charge-offs (x) | 0.3533% | 5,344 |
| Efficiency ratio | 97.4381% | 755 |
| Assets per employee ($millions) | 2.3320% | 7,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1355% | 1,989 |
| Loan loss allowance to noncurrent loans | 52.7312% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 2.8861% | 2,244 |
| Noncurrent loans to loans | 4.0498% | 1,635 |
| Net loans and leases to total assets | 58.0625% | 4,506 |
| Net loans and leases to deposits | 69.5375% | 4,373 |
| Net loans and leases to core deposits | 71.6816% | 4,754 |
| Total domestic deposits to total assets | 83.4981% | 4,479 |
| Equity capital to assets | 9.7680% | 4,672 |
| Core capital (leverage) ratio | 9.8990% | 3,577 |
| Tier 1 risk-based capital ratio | 13.2084% | 4,945 |
| Total risk-based capital ratio | 14.4638% | 4,912 |
| Memoranda: | ||
| Average total assets | $79,080,250 | 5,528 |
| Average earning assets | $71,836,000 | 5,521 |
| Average equity | $7,431,750 | 5,770 |
| Average total loans | $45,935,500 | 5,471 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5609% | 5,134 |
| Cost of funding earning assets | 1.0322% | 3,728 |
| Net interest margin | 3.5287% | 5,018 |
| Noninterest income to average assets | 0.4788% | 4,038 |
| Noninterest expense to average assets | 3.5945% | 1,753 |
| Loan and lease loss provision to assets | 0.7520% | 1,237 |
| Net operating income to assets | -0.6542% | 6,792 |
| Return on assets (ROA) | -0.2507% | 6,551 |
| Pretax return on assets | -0.2507% | 6,498 |
| Return on Equity (ROE) | -2.7015% | 6,567 |
| Retained earnings to average equity (ytd only) | -2.7015% | 6,335 |
| Net charge-offs to loans | -0.0043% | 6,572 |
| Credit loss provision to net charge-offs | -30,000.0000% | 6,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3523% | 816 |
| Assets per employee ($millions) | 2.4440% | 6,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2150% | 1,886 |
| Loan loss allowance to noncurrent loans | 35.0883% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 3.7835% | 1,719 |
| Noncurrent loans to loans | 6.3126% | 905 |
| Net loans and leases to total assets | 57.1814% | 4,792 |
| Net loans and leases to deposits | 68.7508% | 4,596 |
| Net loans and leases to core deposits | 70.2685% | 5,040 |
| Total domestic deposits to total assets | 83.1720% | 4,690 |
| Equity capital to assets | 9.5871% | 4,676 |
| Core capital (leverage) ratio | 9.2186% | 4,376 |
| Tier 1 risk-based capital ratio | 12.8370% | 5,058 |
| Total risk-based capital ratio | 14.0931% | 5,029 |
| Memoranda: | ||
| Average total assets | $79,788,670 | 5,556 |
| Average earning assets | $72,660,330 | 5,532 |
| Average equity | $7,403,330 | 5,801 |
| Average total loans | $46,028,330 | 5,523 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 6,190 |
| Cost of funding earning assets | 1.0468% | 3,875 |
| Net interest margin | 3.1894% | 6,103 |
| Noninterest income to average assets | 0.5659% | 3,399 |
| Noninterest expense to average assets | 3.5940% | 1,787 |
| Loan and lease loss provision to assets | 1.4892% | 435 |
| Net operating income to assets | -1.6133% | 7,222 |
| Return on assets (ROA) | -1.3006% | 7,140 |
| Pretax return on assets | -1.3006% | 7,099 |
| Return on Equity (ROE) | -14.2469% | 7,135 |
| Retained earnings to average equity (ytd only) | -14.2469% | 7,022 |
| Net charge-offs to loans | -0.0087% | 6,332 |
| Credit loss provision to net charge-offs | -30,000.0000% | 6,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5765% | 639 |
| Assets per employee ($millions) | 2.5838% | 6,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2070% | 1,948 |
| Loan loss allowance to noncurrent loans | 64.1139% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 2.0625% | 3,248 |
| Noncurrent loans to loans | 3.4423% | 2,179 |
| Net loans and leases to total assets | 56.0396% | 4,987 |
| Net loans and leases to deposits | 66.4024% | 4,912 |
| Net loans and leases to core deposits | 68.5900% | 5,218 |
| Total domestic deposits to total assets | 84.3939% | 4,326 |
| Equity capital to assets | 9.0403% | 5,136 |
| Core capital (leverage) ratio | 9.0324% | 4,565 |
| Tier 1 risk-based capital ratio | 13.6972% | 4,285 |
| Total risk-based capital ratio | 14.9517% | 4,255 |
| Memoranda: | ||
| Average total assets | $80,578,500 | 5,577 |
| Average earning assets | $73,368,000 | 5,559 |
| Average equity | $7,356,000 | 5,823 |
| Average total loans | $46,175,500 | 5,552 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0458% | 4,340 |
| Cost of funding earning assets | 1.2274% | 4,371 |
| Net interest margin | 3.8184% | 3,875 |
| Noninterest income to average assets | 0.7098% | 2,786 |
| Noninterest expense to average assets | 3.0179% | 3,780 |
| Loan and lease loss provision to assets | 0.6771% | 2,435 |
| Net operating income to assets | 0.3300% | 4,826 |
| Return on assets (ROA) | 0.9865% | 2,194 |
| Pretax return on assets | 1.4348% | 1,549 |
| Return on Equity (ROE) | 11.5292% | 1,439 |
| Retained earnings to average equity (ytd only) | 7.4360% | 1,166 |
| Net charge-offs to loans | 0.7809% | 2,682 |
| Credit loss provision to net charge-offs | 153.8462% | 2,306 |
| Earnings coverage of net charge-offs (x) | 2.6366% | 3,779 |
| Efficiency ratio | 72.2269% | 3,746 |
| Assets per employee ($millions) | 2.7020% | 6,682 |
| Cash dividends to net income (ytd only)* | 35.5030% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 3,848 |
| Loan loss allowance to noncurrent loans | 77.8993% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.2164% | 4,595 |
| Noncurrent loans to loans | 1.9676% | 3,607 |
| Net loans and leases to total assets | 56.4273% | 5,271 |
| Net loans and leases to deposits | 72.6308% | 4,409 |
| Net loans and leases to core deposits | 75.5621% | 4,776 |
| Total domestic deposits to total assets | 77.6906% | 6,370 |
| Equity capital to assets | 9.2166% | 4,814 |
| Core capital (leverage) ratio | 9.0034% | 4,548 |
| Tier 1 risk-based capital ratio | 14.0594% | 3,830 |
| Total risk-based capital ratio | 15.3105% | 3,801 |
| Memoranda: | ||
| Average total assets | $85,655,400 | 5,419 |
| Average earning assets | $77,806,800 | 5,418 |
| Average equity | $7,329,200 | 5,925 |
| Average total loans | $48,278,000 | 5,547 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2540% | 3,562 |
| Cost of funding earning assets | 1.2496% | 4,575 |
| Net interest margin | 4.0044% | 3,087 |
| Noninterest income to average assets | 0.5960% | 3,467 |
| Noninterest expense to average assets | 2.7924% | 4,524 |
| Loan and lease loss provision to assets | 0.7373% | 2,078 |
| Net operating income to assets | 0.4768% | 4,412 |
| Return on assets (ROA) | 1.0168% | 2,293 |
| Pretax return on assets | 1.4930% | 1,640 |
| Return on Equity (ROE) | 12.1013% | 1,475 |
| Retained earnings to average equity (ytd only) | 6.6173% | 2,033 |
| Net charge-offs to loans | 0.6566% | 2,791 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 3.8959% | 3,264 |
| Efficiency ratio | 66.0371% | 4,848 |
| Assets per employee ($millions) | 2.6192% | 6,905 |
| Cash dividends to net income (ytd only)* | 45.3175% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 4,260 |
| Loan loss allowance to noncurrent loans | 57.7487% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.8685% | 3,646 |
| Noncurrent loans to loans | 2.4931% | 3,126 |
| Net loans and leases to total assets | 59.3216% | 5,038 |
| Net loans and leases to deposits | 77.5692% | 3,908 |
| Net loans and leases to core deposits | 80.4752% | 4,454 |
| Total domestic deposits to total assets | 76.4757% | 6,573 |
| Equity capital to assets | 8.8229% | 5,819 |
| Core capital (leverage) ratio | 8.7000% | 5,190 |
| Tier 1 risk-based capital ratio | 11.7823% | 5,657 |
| Total risk-based capital ratio | 12.9654% | 5,689 |
| Memoranda: | ||
| Average total assets | $86,804,250 | 5,451 |
| Average earning assets | $78,745,000 | 5,452 |
| Average equity | $7,293,750 | 6,017 |
| Average total loans | $48,734,500 | 5,613 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2477% | 3,724 |
| Cost of funding earning assets | 1.2890% | 4,603 |
| Net interest margin | 3.9586% | 3,211 |
| Noninterest income to average assets | 0.5614% | 3,619 |
| Noninterest expense to average assets | 2.8115% | 4,436 |
| Loan and lease loss provision to assets | 0.6442% | 2,232 |
| Net operating income to assets | 0.4656% | 4,485 |
| Return on assets (ROA) | 0.8536% | 2,865 |
| Pretax return on assets | 1.2585% | 2,231 |
| Return on Equity (ROE) | 10.3299% | 1,984 |
| Retained earnings to average equity (ytd only) | 4.7612% | 3,036 |
| Net charge-offs to loans | 1.0076% | 1,848 |
| Credit loss provision to net charge-offs | 116.6667% | 3,476 |
| Earnings coverage of net charge-offs (x) | 2.4125% | 3,789 |
| Efficiency ratio | 67.8512% | 4,611 |
| Assets per employee ($millions) | 2.6302% | 6,895 |
| Cash dividends to net income (ytd only)* | 53.9084% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 5,688 |
| Loan loss allowance to noncurrent loans | 49.7283% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 1.7835% | 3,782 |
| Noncurrent loans to loans | 2.3142% | 3,352 |
| Net loans and leases to total assets | 54.3303% | 5,950 |
| Net loans and leases to deposits | 73.5353% | 4,750 |
| Net loans and leases to core deposits | 76.3573% | 5,156 |
| Total domestic deposits to total assets | 73.8833% | 6,987 |
| Equity capital to assets | 8.7344% | 5,837 |
| Core capital (leverage) ratio | 8.4522% | 5,490 |
| Tier 1 risk-based capital ratio | 12.2791% | 5,051 |
| Total risk-based capital ratio | 13.2066% | 5,314 |
| Memoranda: | ||
| Average total assets | $86,927,670 | 5,485 |
| Average earning assets | $78,663,330 | 5,487 |
| Average equity | $7,183,000 | 6,078 |
| Average total loans | $47,638,330 | 5,699 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 4,587 |
| Cost of funding earning assets | 1.3177% | 4,709 |
| Net interest margin | 3.7706% | 3,915 |
| Noninterest income to average assets | 0.4966% | 4,069 |
| Noninterest expense to average assets | 2.7864% | 4,532 |
| Loan and lease loss provision to assets | 0.7817% | 1,616 |
| Net operating income to assets | 0.2373% | 5,556 |
| Return on assets (ROA) | 0.9564% | 2,404 |
| Pretax return on assets | 1.4070% | 1,755 |
| Return on Equity (ROE) | 11.9129% | 1,524 |
| Retained earnings to average equity (ytd only) | 6.1856% | 2,529 |
| Net charge-offs to loans | 1.5881% | 1,095 |
| Credit loss provision to net charge-offs | 89.9471% | 3,664 |
| Earnings coverage of net charge-offs (x) | 1.3016% | 3,971 |
| Efficiency ratio | 71.1268% | 4,096 |
| Assets per employee ($millions) | 2.9045% | 6,430 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 6,182 |
| Loan loss allowance to noncurrent loans | 43.9462% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 1.4862% | 4,281 |
| Noncurrent loans to loans | 2.4131% | 3,262 |
| Net loans and leases to total assets | 52.4657% | 6,219 |
| Net loans and leases to deposits | 67.5193% | 5,644 |
| Net loans and leases to core deposits | 69.9685% | 5,920 |
| Total domestic deposits to total assets | 77.7047% | 6,392 |
| Equity capital to assets | 7.9910% | 6,664 |
| Core capital (leverage) ratio | 8.4321% | 5,495 |
| Tier 1 risk-based capital ratio | 11.8297% | 5,367 |
| Total risk-based capital ratio | 12.6342% | 5,751 |
| Memoranda: | ||
| Average total assets | $86,994,000 | 5,548 |
| Average earning assets | $78,926,500 | 5,548 |
| Average equity | $6,984,000 | 6,194 |
| Average total loans | $47,605,000 | 5,779 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6371% | 3,409 |
| Cost of funding earning assets | 1.5631% | 5,212 |
| Net interest margin | 4.0739% | 2,551 |
| Noninterest income to average assets | 0.5149% | 4,289 |
| Noninterest expense to average assets | 2.8788% | 4,615 |
| Loan and lease loss provision to assets | 0.1676% | 6,012 |
| Net operating income to assets | 0.7852% | 2,588 |
| Return on assets (ROA) | 0.9472% | 2,068 |
| Pretax return on assets | 1.3927% | 1,455 |
| Return on Equity (ROE) | 11.1386% | 1,389 |
| Retained earnings to average equity (ytd only) | 3.7457% | 2,576 |
| Net charge-offs to loans | 0.0290% | 6,840 |
| Credit loss provision to net charge-offs | 1,076.9231% | 274 |
| Earnings coverage of net charge-offs (x) | 84.9231% | 322 |
| Efficiency ratio | 68.5291% | 4,916 |
| Assets per employee ($millions) | 2.8017% | 6,657 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 6,180 |
| Loan loss allowance to noncurrent loans | 31.2654% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 2.0817% | 3,300 |
| Noncurrent loans to loans | 3.3222% | 2,297 |
| Net loans and leases to total assets | 55.8357% | 5,972 |
| Net loans and leases to deposits | 72.6789% | 5,235 |
| Net loans and leases to core deposits | 83.7869% | 5,738 |
| Total domestic deposits to total assets | 76.8252% | 6,524 |
| Equity capital to assets | 8.0654% | 6,511 |
| Core capital (leverage) ratio | 8.3286% | 5,560 |
| Tier 1 risk-based capital ratio | 11.6867% | 5,213 |
| Total risk-based capital ratio | 12.5249% | 5,590 |
| Memoranda: | ||
| Average total assets | $83,508,000 | 5,612 |
| Average earning assets | $75,553,600 | 5,620 |
| Average equity | $7,101,400 | 6,234 |
| Average total loans | $44,885,400 | 5,877 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6277% | 3,707 |
| Cost of funding earning assets | 1.6153% | 5,331 |
| Net interest margin | 4.0124% | 2,756 |
| Noninterest income to average assets | 0.5048% | 4,444 |
| Noninterest expense to average assets | 2.8965% | 4,469 |
| Loan and lease loss provision to assets | 0.1129% | 6,240 |
| Net operating income to assets | 0.7664% | 2,956 |
| Return on assets (ROA) | 0.8596% | 2,642 |
| Pretax return on assets | 1.2660% | 2,058 |
| Return on Equity (ROE) | 9.9733% | 1,920 |
| Retained earnings to average equity (ytd only) | 4.3598% | 2,835 |
| Net charge-offs to loans | 0.0395% | 6,354 |
| Credit loss provision to net charge-offs | 538.4615% | 729 |
| Earnings coverage of net charge-offs (x) | 59.2406% | 554 |
| Efficiency ratio | 69.9922% | 4,591 |
| Assets per employee ($millions) | 2.6886% | 6,880 |
| Cash dividends to net income (ytd only)* | 56.2851% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 6,539 |
| Loan loss allowance to noncurrent loans | 39.6567% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 1.5441% | 4,049 |
| Noncurrent loans to loans | 2.3975% | 3,144 |
| Net loans and leases to total assets | 54.8711% | 6,289 |
| Net loans and leases to deposits | 72.0402% | 5,637 |
| Net loans and leases to core deposits | 83.7082% | 6,062 |
| Total domestic deposits to total assets | 76.1674% | 6,556 |
| Equity capital to assets | 8.7429% | 5,889 |
| Core capital (leverage) ratio | 8.3749% | 5,699 |
| Tier 1 risk-based capital ratio | 12.2666% | 4,733 |
| Total risk-based capital ratio | 13.0291% | 5,115 |
| Memoranda: | ||
| Average total assets | $82,671,750 | 5,672 |
| Average earning assets | $74,866,250 | 5,675 |
| Average equity | $7,125,500 | 6,283 |
| Average total loans | $43,855,750 | 5,981 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5650% | 4,251 |
| Cost of funding earning assets | 1.6553% | 5,491 |
| Net interest margin | 3.9097% | 3,061 |
| Noninterest income to average assets | 0.4391% | 4,939 |
| Noninterest expense to average assets | 2.8649% | 4,663 |
| Loan and lease loss provision to assets | 0.1455% | 5,618 |
| Net operating income to assets | 0.6499% | 3,465 |
| Return on assets (ROA) | 0.7835% | 3,010 |
| Pretax return on assets | 1.1547% | 2,446 |
| Return on Equity (ROE) | 9.1350% | 2,314 |
| Retained earnings to average equity (ytd only) | 3.4787% | 3,376 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1883% | 4,373 |
| Assets per employee ($millions) | 2.2937% | 7,560 |
| Cash dividends to net income (ytd only)* | 61.9195% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 6,390 |
| Loan loss allowance to noncurrent loans | 200.9091% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 6,263 |
| Noncurrent loans to loans | 0.4870% | 6,308 |
| Net loans and leases to total assets | 52.7043% | 6,599 |
| Net loans and leases to deposits | 68.3152% | 6,150 |
| Net loans and leases to core deposits | 79.2039% | 6,472 |
| Total domestic deposits to total assets | 77.1487% | 6,286 |
| Equity capital to assets | 8.1635% | 6,543 |
| Core capital (leverage) ratio | 8.4081% | 5,600 |
| Tier 1 risk-based capital ratio | 11.7888% | 5,112 |
| Total risk-based capital ratio | 12.5381% | 5,510 |
| Memoranda: | ||
| Average total assets | $82,446,330 | 5,714 |
| Average earning assets | $74,429,670 | 5,732 |
| Average equity | $7,071,670 | 6,341 |
| Average total loans | $43,083,330 | 6,061 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7659% | 3,451 |
| Cost of funding earning assets | 1.7036% | 5,583 |
| Net interest margin | 4.0624% | 2,419 |
| Noninterest income to average assets | 0.3644% | 5,519 |
| Noninterest expense to average assets | 2.8066% | 4,532 |
| Loan and lease loss provision to assets | 0.1477% | 5,050 |
| Net operating income to assets | 0.7260% | 3,436 |
| Return on assets (ROA) | 0.7829% | 3,369 |
| Pretax return on assets | 1.1571% | 2,781 |
| Return on Equity (ROE) | 8.9032% | 2,760 |
| Retained earnings to average equity (ytd only) | 3.3037% | 4,043 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6822% | 4,647 |
| Assets per employee ($millions) | 2.9212% | 6,371 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 6,624 |
| Loan loss allowance to noncurrent loans | 140.6143% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 5,742 |
| Noncurrent loans to loans | 0.6587% | 5,757 |
| Net loans and leases to total assets | 53.8805% | 6,477 |
| Net loans and leases to deposits | 72.1706% | 5,725 |
| Net loans and leases to core deposits | 84.6071% | 6,014 |
| Total domestic deposits to total assets | 74.6571% | 6,778 |
| Equity capital to assets | 8.7329% | 5,716 |
| Core capital (leverage) ratio | 8.8168% | 4,953 |
| Tier 1 risk-based capital ratio | 12.0862% | 4,888 |
| Total risk-based capital ratio | 12.8090% | 5,253 |
| Memoranda: | ||
| Average total assets | $81,236,500 | 5,777 |
| Average earning assets | $73,258,000 | 5,804 |
| Average equity | $7,143,500 | 6,358 |
| Average total loans | $42,040,000 | 6,142 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4910% | 3,008 |
| Cost of funding earning assets | 2.1473% | 5,848 |
| Net interest margin | 4.3437% | 1,841 |
| Noninterest income to average assets | 0.6081% | 3,786 |
| Noninterest expense to average assets | 3.0753% | 3,803 |
| Loan and lease loss provision to assets | 0.0453% | 6,846 |
| Net operating income to assets | 0.9382% | 2,840 |
| Return on assets (ROA) | 0.9936% | 2,465 |
| Pretax return on assets | 1.4581% | 1,796 |
| Return on Equity (ROE) | 11.7911% | 1,657 |
| Retained earnings to average equity (ytd only) | 4.1146% | 2,570 |
| Net charge-offs to loans | 0.2065% | 4,142 |
| Credit loss provision to net charge-offs | 45.4545% | 6,398 |
| Earnings coverage of net charge-offs (x) | 14.2727% | 2,050 |
| Efficiency ratio | 68.3832% | 4,657 |
| Assets per employee ($millions) | 2.7820% | 6,606 |
| Cash dividends to net income (ytd only)* | 65.1042% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 6,298 |
| Loan loss allowance to noncurrent loans | 545.7143% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 6,208 |
| Noncurrent loans to loans | 0.1768% | 6,858 |
| Net loans and leases to total assets | 48.6062% | 7,138 |
| Net loans and leases to deposits | 64.9492% | 6,722 |
| Net loans and leases to core deposits | 74.6895% | 6,927 |
| Total domestic deposits to total assets | 74.8373% | 6,490 |
| Equity capital to assets | 8.8548% | 5,558 |
| Core capital (leverage) ratio | 8.9225% | 4,857 |
| Tier 1 risk-based capital ratio | 12.4499% | 4,473 |
| Total risk-based capital ratio | 13.1461% | 4,807 |
| Memoranda: | ||
| Average total assets | $77,294,000 | 5,793 |
| Average earning assets | $69,203,800 | 5,850 |
| Average equity | $6,513,400 | 6,637 |
| Average total loans | $37,291,800 | 6,298 |