Home > Sherburne State Bank > Performance and Condition Ratios
Sherburne State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 1,425 |
| Cost of funding earning assets | 1.3755% | 2,294 |
| Net interest margin | 3.9585% | 1,269 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 2.3141% | 2,813 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.2524% | 1,532 |
| Return on assets (ROA) | 1.2524% | 1,506 |
| Pretax return on assets | 2.1157% | 558 |
| Return on Equity (ROE) | 17.8000% | 844 |
| Retained earnings to average equity (ytd only) | 9.2219% | 1,204 |
| Net charge-offs to loans | -0.0437% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.3634% | 3,958 |
| Assets per employee ($millions) | 6.2244% | 2,611 |
| Cash dividends to net income (ytd only)* | 48.1850% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 1,625 |
| Loan loss allowance to noncurrent loans | 1,621.9355% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,181 |
| Noncurrent loans to loans | 0.0823% | 3,136 |
| Net loans and leases to total assets | 71.0500% | 1,689 |
| Net loans and leases to deposits | 90.6772% | 1,216 |
| Net loans and leases to core deposits | 95.6157% | 1,676 |
| Total domestic deposits to total assets | 78.3600% | 3,685 |
| Equity capital to assets | 7.4250% | 3,754 |
| Core capital (leverage) ratio | 8.9113% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5796% | 2,697 |
| Memoranda: | ||
| Average total assets | $248,567,600 | 2,689 |
| Average earning assets | $231,122,600 | 2,683 |
| Average equity | $17,491,000 | 3,055 |
| Average total loans | $169,283,800 | 2,528 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 1,499 |
| Cost of funding earning assets | 1.2571% | 2,265 |
| Net interest margin | 3.9207% | 1,358 |
| Noninterest income to average assets | 0.9100% | 748 |
| Noninterest expense to average assets | 2.3226% | 2,720 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.5270% | 1,068 |
| Return on assets (ROA) | 1.5270% | 1,055 |
| Pretax return on assets | 2.0775% | 688 |
| Return on Equity (ROE) | 22.0200% | 556 |
| Retained earnings to average equity (ytd only) | 10.2676% | 1,330 |
| Net charge-offs to loans | -0.0600% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.9598% | 3,837 |
| Assets per employee ($millions) | 6.4237% | 2,379 |
| Cash dividends to net income (ytd only)* | 53.3808% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 1,636 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 67.8500% | 2,059 |
| Net loans and leases to deposits | 85.7414% | 1,599 |
| Net loans and leases to core deposits | 89.6819% | 1,952 |
| Total domestic deposits to total assets | 79.1300% | 3,674 |
| Equity capital to assets | 6.8013% | 3,709 |
| Core capital (leverage) ratio | 8.9417% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6580% | 2,695 |
| Memoranda: | ||
| Average total assets | $245,353,000 | 2,715 |
| Average earning assets | $228,353,250 | 2,698 |
| Average equity | $17,011,000 | 3,082 |
| Average total loans | $164,540,250 | 2,571 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 1,545 |
| Cost of funding earning assets | 1.0875% | 2,324 |
| Net interest margin | 3.9229% | 1,382 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 2.3546% | 2,645 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.5214% | 1,067 |
| Return on assets (ROA) | 1.5214% | 1,062 |
| Pretax return on assets | 2.0680% | 667 |
| Return on Equity (ROE) | 21.8000% | 553 |
| Retained earnings to average equity (ytd only) | 3.9986% | 3,210 |
| Net charge-offs to loans | -0.0922% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.5971% | 3,806 |
| Assets per employee ($millions) | 6.1317% | 2,592 |
| Cash dividends to net income (ytd only)* | 81.6549% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 1,757 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 68.4500% | 1,918 |
| Net loans and leases to deposits | 86.8543% | 1,436 |
| Net loans and leases to core deposits | 91.8691% | 1,693 |
| Total domestic deposits to total assets | 78.8100% | 3,747 |
| Equity capital to assets | 6.9129% | 3,838 |
| Core capital (leverage) ratio | 8.8214% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6760% | 2,714 |
| Memoranda: | ||
| Average total assets | $241,487,667 | 2,736 |
| Average earning assets | $224,734,333 | 2,733 |
| Average equity | $16,856,000 | 3,117 |
| Average total loans | $160,476,333 | 2,595 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8312% | 1,552 |
| Cost of funding earning assets | 0.8599% | 2,509 |
| Net interest margin | 3.9713% | 1,324 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.3329% | 2,717 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.4481% | 1,290 |
| Return on assets (ROA) | 1.4481% | 1,262 |
| Pretax return on assets | 2.0182% | 750 |
| Return on Equity (ROE) | 20.6300% | 692 |
| Retained earnings to average equity (ytd only) | -15.5232% | 4,556 |
| Net charge-offs to loans | -0.1928% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.2348% | 3,758 |
| Assets per employee ($millions) | 5.7699% | 2,962 |
| Cash dividends to net income (ytd only)* | 175.2336% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 1,209 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 65.0300% | 2,148 |
| Net loans and leases to deposits | 78.6146% | 1,917 |
| Net loans and leases to core deposits | 82.8844% | 2,069 |
| Total domestic deposits to total assets | 82.7200% | 3,350 |
| Equity capital to assets | 6.8108% | 3,905 |
| Core capital (leverage) ratio | 8.7856% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0642% | 2,708 |
| Memoranda: | ||
| Average total assets | $236,445,500 | 2,814 |
| Average earning assets | $220,484,000 | 2,795 |
| Average equity | $16,594,500 | 3,168 |
| Average total loans | $153,506,500 | 2,673 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 1,968 |
| Cost of funding earning assets | 0.2584% | 3,256 |
| Net interest margin | 3.6475% | 1,496 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 2.2861% | 2,782 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.5317% | 814 |
| Return on assets (ROA) | 1.5317% | 790 |
| Pretax return on assets | 1.9639% | 516 |
| Return on Equity (ROE) | 22.1600% | 330 |
| Retained earnings to average equity (ytd only) | 22.1629% | 60 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.3982% | 3,949 |
| Assets per employee ($millions) | 5.7639% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 1,063 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 62.7600% | 2,353 |
| Net loans and leases to deposits | 68.9143% | 2,672 |
| Net loans and leases to core deposits | 72.0741% | 2,721 |
| Total domestic deposits to total assets | 91.0800% | 924 |
| Equity capital to assets | 7.2364% | 3,529 |
| Core capital (leverage) ratio | 9.2216% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3571% | 2,218 |
| Memoranda: | ||
| Average total assets | $233,668,600 | 2,831 |
| Average earning assets | $216,722,400 | 2,819 |
| Average equity | $16,148,600 | 3,260 |
| Average total loans | $132,191,000 | 2,799 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 2,021 |
| Cost of funding earning assets | 0.2125% | 3,119 |
| Net interest margin | 3.4963% | 1,674 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 2.2606% | 2,755 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.4087% | 1,067 |
| Return on assets (ROA) | 1.4087% | 1,040 |
| Pretax return on assets | 1.8750% | 623 |
| Return on Equity (ROE) | 20.6200% | 390 |
| Retained earnings to average equity (ytd only) | 20.6221% | 91 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.2129% | 3,893 |
| Assets per employee ($millions) | 6.1942% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 1,080 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.3500% | 2,969 |
| Net loans and leases to deposits | 59.5283% | 3,241 |
| Net loans and leases to core deposits | 62.2244% | 3,233 |
| Total domestic deposits to total assets | 92.9800% | 585 |
| Equity capital to assets | 5.9414% | 3,983 |
| Core capital (leverage) ratio | 8.2892% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0254% | 2,465 |
| Memoranda: | ||
| Average total assets | $234,446,500 | 2,842 |
| Average earning assets | $217,061,000 | 2,834 |
| Average equity | $16,014,750 | 3,317 |
| Average total loans | $128,490,500 | 2,842 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5437% | 2,009 |
| Cost of funding earning assets | 0.1684% | 3,339 |
| Net interest margin | 3.3753% | 1,677 |
| Noninterest income to average assets | 1.1791% | 488 |
| Noninterest expense to average assets | 2.2825% | 2,599 |
| Loan and lease loss provision to assets | 0.1148% | 876 |
| Net operating income to assets | 1.4521% | 795 |
| Return on assets (ROA) | 1.4521% | 773 |
| Pretax return on assets | 1.9017% | 467 |
| Return on Equity (ROE) | 20.3089% | 287 |
| Retained earnings to average equity (ytd only) | 20.3089% | 69 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0947% | 4,039 |
| Assets per employee ($millions) | 5.8620% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 1,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.7299% | 2,993 |
| Net loans and leases to deposits | 58.1262% | 3,215 |
| Net loans and leases to core deposits | 59.1901% | 3,332 |
| Total domestic deposits to total assets | 92.4366% | 679 |
| Equity capital to assets | 6.4696% | 4,032 |
| Core capital (leverage) ratio | 8.6218% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.5147% | 3,086 |
| Memoranda: | ||
| Average total assets | $230,006,000 | 2,888 |
| Average earning assets | $212,605,333 | 2,898 |
| Average equity | $16,446,000 | 3,362 |
| Average total loans | $124,868,000 | 2,896 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4293% | 2,006 |
| Cost of funding earning assets | 0.1640% | 3,308 |
| Net interest margin | 3.2652% | 1,663 |
| Noninterest income to average assets | 1.0301% | 645 |
| Noninterest expense to average assets | 2.2469% | 2,697 |
| Loan and lease loss provision to assets | 0.1174% | 710 |
| Net operating income to assets | 1.2560% | 1,103 |
| Return on assets (ROA) | 1.2560% | 1,092 |
| Pretax return on assets | 1.6759% | 716 |
| Return on Equity (ROE) | 16.7155% | 454 |
| Retained earnings to average equity (ytd only) | 16.7155% | 193 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6143% | 3,914 |
| Assets per employee ($millions) | 5.8476% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 1,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 55.3641% | 2,592 |
| Net loans and leases to deposits | 59.7578% | 2,924 |
| Net loans and leases to core deposits | 62.4399% | 2,934 |
| Total domestic deposits to total assets | 92.6475% | 366 |
| Equity capital to assets | 7.1568% | 4,122 |
| Core capital (leverage) ratio | 8.4678% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8583% | 2,277 |
| Memoranda: | ||
| Average total assets | $224,838,500 | 2,927 |
| Average earning assets | $207,275,500 | 2,948 |
| Average equity | $16,894,500 | 3,403 |
| Average total loans | $121,658,500 | 2,931 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 1,510 |
| Cost of funding earning assets | 0.2939% | 2,458 |
| Net interest margin | 3.6481% | 1,344 |
| Noninterest income to average assets | 1.9258% | 340 |
| Noninterest expense to average assets | 2.3841% | 2,536 |
| Loan and lease loss provision to assets | 0.0765% | 1,587 |
| Net operating income to assets | 1.9826% | 348 |
| Return on assets (ROA) | 1.9826% | 373 |
| Pretax return on assets | 2.4959% | 258 |
| Return on Equity (ROE) | 25.5817% | 109 |
| Retained earnings to average equity (ytd only) | 25.5817% | 22 |
| Net charge-offs to loans | -0.0515% | 4,338 |
| Credit loss provision to net charge-offs | -271.1864% | 3,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1007% | 4,396 |
| Assets per employee ($millions) | 5.8325% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7089% | 1,028 |
| Loan loss allowance to noncurrent loans | 8,080.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 4,042 |
| Noncurrent loans to loans | 0.0211% | 3,917 |
| Net loans and leases to total assets | 51.0784% | 3,169 |
| Net loans and leases to deposits | 55.6049% | 3,456 |
| Net loans and leases to core deposits | 58.1298% | 3,464 |
| Total domestic deposits to total assets | 91.8595% | 220 |
| Equity capital to assets | 7.8631% | 4,438 |
| Core capital (leverage) ratio | 7.8678% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8595% | 3,058 |
| Memoranda: | ||
| Average total assets | $209,265,600 | 2,992 |
| Average earning assets | $173,844,200 | 3,143 |
| Average equity | $16,218,600 | 3,523 |
| Average total loans | $114,466,400 | 3,003 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1506% | 1,181 |
| Cost of funding earning assets | 0.3245% | 2,354 |
| Net interest margin | 3.8261% | 1,066 |
| Noninterest income to average assets | 2.1252% | 316 |
| Noninterest expense to average assets | 2.3577% | 2,573 |
| Loan and lease loss provision to assets | 0.1040% | 1,160 |
| Net operating income to assets | 2.1923% | 329 |
| Return on assets (ROA) | 2.1923% | 347 |
| Pretax return on assets | 2.7426% | 242 |
| Return on Equity (ROE) | 28.4012% | 108 |
| Retained earnings to average equity (ytd only) | 28.4012% | 35 |
| Net charge-offs to loans | -0.0681% | 4,475 |
| Credit loss provision to net charge-offs | -275.8621% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3010% | 4,531 |
| Assets per employee ($millions) | 5.4072% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 1,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 51.8909% | 3,199 |
| Net loans and leases to deposits | 56.5186% | 3,528 |
| Net loans and leases to core deposits | 59.3832% | 3,518 |
| Total domestic deposits to total assets | 91.8121% | 163 |
| Equity capital to assets | 7.7972% | 4,612 |
| Core capital (leverage) ratio | 7.9994% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5760% | 2,519 |
| Memoranda: | ||
| Average total assets | $204,715,000 | 3,066 |
| Average earning assets | $164,760,750 | 3,265 |
| Average equity | $15,801,750 | 3,603 |
| Average total loans | $113,531,250 | 3,057 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0797% | 1,390 |
| Cost of funding earning assets | 0.3681% | 2,154 |
| Net interest margin | 3.7116% | 1,319 |
| Noninterest income to average assets | 2.5561% | 234 |
| Noninterest expense to average assets | 2.4255% | 2,372 |
| Loan and lease loss provision to assets | 0.1216% | 1,042 |
| Net operating income to assets | 2.2476% | 310 |
| Return on assets (ROA) | 2.2476% | 331 |
| Pretax return on assets | 2.8967% | 211 |
| Return on Equity (ROE) | 29.2285% | 106 |
| Retained earnings to average equity (ytd only) | 29.2285% | 38 |
| Net charge-offs to loans | -0.0089% | 3,629 |
| Credit loss provision to net charge-offs | -2,420.0000% | 3,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5552% | 4,585 |
| Assets per employee ($millions) | 5.7876% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 1,177 |
| Loan loss allowance to noncurrent loans | 1,554.0323% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 3,832 |
| Noncurrent loans to loans | 0.1060% | 3,659 |
| Net loans and leases to total assets | 55.2248% | 2,992 |
| Net loans and leases to deposits | 60.2353% | 3,375 |
| Net loans and leases to core deposits | 63.8085% | 3,303 |
| Total domestic deposits to total assets | 91.6819% | 198 |
| Equity capital to assets | 7.7609% | 4,649 |
| Core capital (leverage) ratio | 7.7524% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6417% | 3,022 |
| Memoranda: | ||
| Average total assets | $199,055,333 | 3,108 |
| Average earning assets | $154,864,333 | 3,363 |
| Average equity | $15,307,000 | 3,649 |
| Average total loans | $112,355,667 | 3,091 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 1,780 |
| Cost of funding earning assets | 0.4101% | 2,007 |
| Net interest margin | 3.5106% | 1,797 |
| Noninterest income to average assets | 3.8250% | 154 |
| Noninterest expense to average assets | 2.6769% | 1,675 |
| Loan and lease loss provision to assets | 0.1235% | 1,113 |
| Net operating income to assets | 3.4361% | 114 |
| Return on assets (ROA) | 3.4361% | 124 |
| Pretax return on assets | 3.7900% | 119 |
| Return on Equity (ROE) | 44.9061% | 45 |
| Retained earnings to average equity (ytd only) | 44.9061% | 22 |
| Net charge-offs to loans | -0.0036% | 3,275 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6182% | 4,730 |
| Assets per employee ($millions) | 5.7949% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 1,154 |
| Loan loss allowance to noncurrent loans | 1,501.6129% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 3,940 |
| Noncurrent loans to loans | 0.1103% | 3,756 |
| Net loans and leases to total assets | 54.5140% | 3,192 |
| Net loans and leases to deposits | 59.3569% | 3,537 |
| Net loans and leases to core deposits | 63.1617% | 3,487 |
| Total domestic deposits to total assets | 91.8412% | 177 |
| Equity capital to assets | 7.6944% | 4,639 |
| Core capital (leverage) ratio | 8.0309% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7576% | 2,970 |
| Memoranda: | ||
| Average total assets | $194,407,000 | 3,129 |
| Average earning assets | $153,136,500 | 3,382 |
| Average equity | $14,875,500 | 3,700 |
| Average total loans | $110,039,000 | 3,129 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8615% | 652 |
| Cost of funding earning assets | 0.5278% | 2,765 |
| Net interest margin | 4.3337% | 475 |
| Noninterest income to average assets | 2.3630% | 263 |
| Noninterest expense to average assets | 2.7098% | 2,212 |
| Loan and lease loss provision to assets | 0.1095% | 2,975 |
| Net operating income to assets | 2.3926% | 152 |
| Return on assets (ROA) | 2.3926% | 164 |
| Pretax return on assets | 3.3366% | 95 |
| Return on Equity (ROE) | 30.9317% | 64 |
| Retained earnings to average equity (ytd only) | 22.7961% | 47 |
| Net charge-offs to loans | 0.0048% | 3,178 |
| Credit loss provision to net charge-offs | 3,480.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 1,095.2000% | 103 |
| Efficiency ratio | 44.0196% | 4,785 |
| Assets per employee ($millions) | 5.1664% | 3,203 |
| Cash dividends to net income (ytd only)* | 26.3019% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 1,096 |
| Loan loss allowance to noncurrent loans | 1,208.7248% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 3,937 |
| Noncurrent loans to loans | 0.1384% | 3,728 |
| Net loans and leases to total assets | 56.9103% | 3,213 |
| Net loans and leases to deposits | 61.8744% | 3,611 |
| Net loans and leases to core deposits | 65.8324% | 3,554 |
| Total domestic deposits to total assets | 91.9770% | 73 |
| Equity capital to assets | 7.6052% | 4,820 |
| Core capital (leverage) ratio | 7.4991% | 4,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3144% | 2,840 |
| Memoranda: | ||
| Average total assets | $158,906,000 | 3,298 |
| Average earning assets | $139,072,600 | 3,389 |
| Average equity | $12,291,600 | 3,944 |
| Average total loans | $103,836,800 | 3,182 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 719 |
| Cost of funding earning assets | 0.5441% | 2,968 |
| Net interest margin | 4.3657% | 504 |
| Noninterest income to average assets | 2.3189% | 268 |
| Noninterest expense to average assets | 2.7878% | 2,002 |
| Loan and lease loss provision to assets | 0.0993% | 3,081 |
| Net operating income to assets | 2.3715% | 165 |
| Return on assets (ROA) | 2.3715% | 173 |
| Pretax return on assets | 3.2996% | 99 |
| Return on Equity (ROE) | 30.5025% | 62 |
| Retained earnings to average equity (ytd only) | 19.2303% | 91 |
| Net charge-offs to loans | 0.0078% | 2,842 |
| Credit loss provision to net charge-offs | 1,883.3333% | 504 |
| Earnings coverage of net charge-offs (x) | 646.3333% | 190 |
| Efficiency ratio | 45.0630% | 4,754 |
| Assets per employee ($millions) | 5.2549% | 2,943 |
| Cash dividends to net income (ytd only)* | 36.9549% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 1,268 |
| Loan loss allowance to noncurrent loans | 1,053.9394% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 2,041 |
| Noncurrent loans to loans | 0.1461% | 3,799 |
| Net loans and leases to total assets | 62.2306% | 2,980 |
| Net loans and leases to deposits | 67.5745% | 3,503 |
| Net loans and leases to core deposits | 72.0946% | 3,465 |
| Total domestic deposits to total assets | 92.0919% | 51 |
| Equity capital to assets | 7.3153% | 4,897 |
| Core capital (leverage) ratio | 7.4120% | 4,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7553% | 2,973 |
| Memoranda: | ||
| Average total assets | $152,134,750 | 3,362 |
| Average earning assets | $134,775,000 | 3,434 |
| Average equity | $11,828,250 | 3,998 |
| Average total loans | $102,883,750 | 3,200 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0621% | 738 |
| Cost of funding earning assets | 0.5847% | 3,047 |
| Net interest margin | 4.4774% | 528 |
| Noninterest income to average assets | 2.2360% | 260 |
| Noninterest expense to average assets | 2.8418% | 1,997 |
| Loan and lease loss provision to assets | 0.0726% | 3,395 |
| Net operating income to assets | 2.3616% | 170 |
| Return on assets (ROA) | 2.3616% | 187 |
| Pretax return on assets | 3.2549% | 89 |
| Return on Equity (ROE) | 29.6469% | 62 |
| Retained earnings to average equity (ytd only) | 12.1251% | 448 |
| Net charge-offs to loans | 0.0121% | 2,531 |
| Credit loss provision to net charge-offs | 866.6667% | 868 |
| Earnings coverage of net charge-offs (x) | 397.3333% | 256 |
| Efficiency ratio | 46.0633% | 4,721 |
| Assets per employee ($millions) | 5.0939% | 3,072 |
| Cash dividends to net income (ytd only)* | 59.1017% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 1,225 |
| Loan loss allowance to noncurrent loans | 1,199.2857% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 1,926 |
| Noncurrent loans to loans | 0.1262% | 3,954 |
| Net loans and leases to total assets | 67.0380% | 2,492 |
| Net loans and leases to deposits | 73.2207% | 3,146 |
| Net loans and leases to core deposits | 76.8121% | 3,218 |
| Total domestic deposits to total assets | 91.5561% | 80 |
| Equity capital to assets | 7.4298% | 4,898 |
| Core capital (leverage) ratio | 7.5224% | 4,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9243% | 3,170 |
| Memoranda: | ||
| Average total assets | $143,291,000 | 3,448 |
| Average earning assets | $125,875,667 | 3,522 |
| Average equity | $11,414,333 | 4,056 |
| Average total loans | $99,537,000 | 3,240 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0181% | 930 |
| Cost of funding earning assets | 0.6293% | 3,279 |
| Net interest margin | 4.3888% | 639 |
| Noninterest income to average assets | 1.4779% | 409 |
| Noninterest expense to average assets | 2.8449% | 2,293 |
| Loan and lease loss provision to assets | 0.0630% | 2,977 |
| Net operating income to assets | 1.8616% | 361 |
| Return on assets (ROA) | 1.8616% | 399 |
| Pretax return on assets | 2.5421% | 154 |
| Return on Equity (ROE) | 22.4471% | 102 |
| Retained earnings to average equity (ytd only) | -13.6996% | 4,868 |
| Net charge-offs to loans | 0.0256% | 1,857 |
| Credit loss provision to net charge-offs | 350.0000% | 1,077 |
| Earnings coverage of net charge-offs (x) | 144.8333% | 444 |
| Efficiency ratio | 52.2002% | 4,541 |
| Assets per employee ($millions) | 4.8391% | 2,828 |
| Cash dividends to net income (ytd only)* | 161.0306% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7455% | 793 |
| Loan loss allowance to noncurrent loans | 998.1818% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 1,742 |
| Noncurrent loans to loans | 0.1749% | 3,845 |
| Net loans and leases to total assets | 68.4212% | 2,483 |
| Net loans and leases to deposits | 74.9277% | 3,175 |
| Net loans and leases to core deposits | 79.5203% | 3,238 |
| Total domestic deposits to total assets | 91.3163% | 78 |
| Equity capital to assets | 8.1390% | 4,943 |
| Core capital (leverage) ratio | 7.9607% | 4,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5933% | 3,371 |
| Memoranda: | ||
| Average total assets | $133,433,500 | 3,542 |
| Average earning assets | $120,762,000 | 3,570 |
| Average equity | $11,066,000 | 4,113 |
| Average total loans | $93,828,000 | 3,324 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1128% | 1,189 |
| Cost of funding earning assets | 0.5646% | 3,803 |
| Net interest margin | 4.5481% | 654 |
| Noninterest income to average assets | 1.2240% | 626 |
| Noninterest expense to average assets | 3.0031% | 2,006 |
| Loan and lease loss provision to assets | 0.1566% | 1,347 |
| Net operating income to assets | 1.6441% | 748 |
| Return on assets (ROA) | 1.6441% | 796 |
| Pretax return on assets | 2.2890% | 316 |
| Return on Equity (ROE) | 20.4487% | 193 |
| Retained earnings to average equity (ytd only) | 14.4550% | 107 |
| Net charge-offs to loans | 0.0530% | 2,348 |
| Credit loss provision to net charge-offs | 406.2500% | 704 |
| Earnings coverage of net charge-offs (x) | 63.4375% | 947 |
| Efficiency ratio | 55.1150% | 4,311 |
| Assets per employee ($millions) | 5.0527% | 2,522 |
| Cash dividends to net income (ytd only)* | 29.3112% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 720 |
| Loan loss allowance to noncurrent loans | 943.3526% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 1,587 |
| Noncurrent loans to loans | 0.1854% | 3,788 |
| Net loans and leases to total assets | 69.7787% | 2,433 |
| Net loans and leases to deposits | 76.5823% | 3,123 |
| Net loans and leases to core deposits | 81.7014% | 3,157 |
| Total domestic deposits to total assets | 91.1160% | 105 |
| Equity capital to assets | 8.4524% | 4,925 |
| Core capital (leverage) ratio | 8.3770% | 4,910 |
| Tier 1 risk-based capital ratio | 10.1342% | 5,103 |
| Total risk-based capital ratio | 11.3868% | 5,054 |
| Memoranda: | ||
| Average total assets | $124,506,000 | 3,634 |
| Average earning assets | $115,652,000 | 3,623 |
| Average equity | $10,010,400 | 4,239 |
| Average total loans | $90,495,400 | 3,383 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0873% | 1,314 |
| Cost of funding earning assets | 0.5313% | 4,013 |
| Net interest margin | 4.5560% | 678 |
| Noninterest income to average assets | 1.2389% | 591 |
| Noninterest expense to average assets | 3.0479% | 1,836 |
| Loan and lease loss provision to assets | 0.1987% | 888 |
| Net operating income to assets | 1.6201% | 887 |
| Return on assets (ROA) | 1.6201% | 926 |
| Pretax return on assets | 2.2292% | 429 |
| Return on Equity (ROE) | 20.4301% | 225 |
| Retained earnings to average equity (ytd only) | 12.2142% | 361 |
| Net charge-offs to loans | 0.0713% | 1,810 |
| Credit loss provision to net charge-offs | 381.2500% | 796 |
| Earnings coverage of net charge-offs (x) | 46.5822% | 1,251 |
| Efficiency ratio | 55.6613% | 4,201 |
| Assets per employee ($millions) | 4.7000% | 2,920 |
| Cash dividends to net income (ytd only)* | 40.2145% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7276% | 774 |
| Loan loss allowance to noncurrent loans | 184.8347% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 1.3444% | 887 |
| Noncurrent loans to loans | 0.9347% | 1,721 |
| Net loans and leases to total assets | 72.6617% | 2,056 |
| Net loans and leases to deposits | 80.3358% | 2,866 |
| Net loans and leases to core deposits | 85.9250% | 2,910 |
| Total domestic deposits to total assets | 90.4475% | 182 |
| Equity capital to assets | 8.3019% | 5,068 |
| Core capital (leverage) ratio | 8.3674% | 5,000 |
| Tier 1 risk-based capital ratio | 9.9523% | 5,197 |
| Total risk-based capital ratio | 11.2059% | 5,144 |
| Memoranda: | ||
| Average total assets | $122,789,750 | 3,692 |
| Average earning assets | $114,190,250 | 3,676 |
| Average equity | $9,737,000 | 4,317 |
| Average total loans | $89,794,000 | 3,445 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 1,417 |
| Cost of funding earning assets | 0.4783% | 4,211 |
| Net interest margin | 4.5461% | 691 |
| Noninterest income to average assets | 1.0278% | 824 |
| Noninterest expense to average assets | 3.1033% | 1,725 |
| Loan and lease loss provision to assets | 0.2010% | 850 |
| Net operating income to assets | 1.3622% | 1,538 |
| Return on assets (ROA) | 1.3622% | 1,601 |
| Pretax return on assets | 1.9503% | 756 |
| Return on Equity (ROE) | 17.4638% | 415 |
| Retained earnings to average equity (ytd only) | 4.7936% | 2,871 |
| Net charge-offs to loans | 0.1085% | 1,321 |
| Credit loss provision to net charge-offs | 254.1667% | 999 |
| Earnings coverage of net charge-offs (x) | 27.2083% | 1,550 |
| Efficiency ratio | 59.0596% | 3,850 |
| Assets per employee ($millions) | 4.4876% | 3,160 |
| Cash dividends to net income (ytd only)* | 72.5514% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 768 |
| Loan loss allowance to noncurrent loans | 152.3949% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.5285% | 730 |
| Noncurrent loans to loans | 1.1379% | 1,429 |
| Net loans and leases to total assets | 72.9152% | 2,076 |
| Net loans and leases to deposits | 81.8839% | 2,745 |
| Net loans and leases to core deposits | 86.3818% | 2,932 |
| Total domestic deposits to total assets | 89.0471% | 647 |
| Equity capital to assets | 8.1344% | 5,151 |
| Core capital (leverage) ratio | 8.0061% | 5,168 |
| Tier 1 risk-based capital ratio | 10.1362% | 5,208 |
| Total risk-based capital ratio | 11.3898% | 5,137 |
| Memoranda: | ||
| Average total assets | $121,420,000 | 3,737 |
| Average earning assets | $112,889,000 | 3,724 |
| Average equity | $9,471,000 | 4,374 |
| Average total loans | $88,449,330 | 3,492 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 1,835 |
| Cost of funding earning assets | 0.4499% | 4,284 |
| Net interest margin | 4.3754% | 953 |
| Noninterest income to average assets | 0.8951% | 1,049 |
| Noninterest expense to average assets | 3.1198% | 1,687 |
| Loan and lease loss provision to assets | 0.2007% | 795 |
| Net operating income to assets | 1.2209% | 1,983 |
| Return on assets (ROA) | 1.2209% | 2,031 |
| Pretax return on assets | 1.6389% | 1,373 |
| Return on Equity (ROE) | 15.9940% | 591 |
| Retained earnings to average equity (ytd only) | -9.8723% | 5,102 |
| Net charge-offs to loans | 0.2189% | 642 |
| Credit loss provision to net charge-offs | 127.0833% | 1,371 |
| Earnings coverage of net charge-offs (x) | 11.6458% | 1,899 |
| Efficiency ratio | 62.9064% | 3,394 |
| Assets per employee ($millions) | 4.6943% | 2,927 |
| Cash dividends to net income (ytd only)* | 161.7251% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 872 |
| Loan loss allowance to noncurrent loans | 146.1463% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 1.6608% | 671 |
| Noncurrent loans to loans | 1.1592% | 1,439 |
| Net loans and leases to total assets | 71.2191% | 2,295 |
| Net loans and leases to deposits | 77.4353% | 3,120 |
| Net loans and leases to core deposits | 81.4973% | 3,227 |
| Total domestic deposits to total assets | 91.9723% | 63 |
| Equity capital to assets | 7.5992% | 5,250 |
| Core capital (leverage) ratio | 7.7275% | 5,254 |
| Tier 1 risk-based capital ratio | 9.7909% | 5,309 |
| Total risk-based capital ratio | 11.0444% | 5,282 |
| Memoranda: | ||
| Average total assets | $121,548,000 | 3,773 |
| Average earning assets | $112,904,000 | 3,771 |
| Average equity | $9,278,500 | 4,429 |
| Average total loans | $87,721,000 | 3,547 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 1,526 |
| Cost of funding earning assets | 0.4059% | 3,953 |
| Net interest margin | 4.4054% | 922 |
| Noninterest income to average assets | 1.1830% | 660 |
| Noninterest expense to average assets | 3.1520% | 1,672 |
| Loan and lease loss provision to assets | 0.2148% | 851 |
| Net operating income to assets | 1.1759% | 2,283 |
| Return on assets (ROA) | 1.1759% | 2,273 |
| Pretax return on assets | 1.8669% | 778 |
| Return on Equity (ROE) | 15.4358% | 736 |
| Retained earnings to average equity (ytd only) | 2.6227% | 4,094 |
| Net charge-offs to loans | 0.0925% | 1,845 |
| Credit loss provision to net charge-offs | 329.7297% | 951 |
| Earnings coverage of net charge-offs (x) | 31.9595% | 1,528 |
| Efficiency ratio | 60.1917% | 3,822 |
| Assets per employee ($millions) | 4.4831% | 3,197 |
| Cash dividends to net income (ytd only)* | 83.0090% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7065% | 826 |
| Loan loss allowance to noncurrent loans | 124.8949% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.7440% | 605 |
| Noncurrent loans to loans | 1.3664% | 1,141 |
| Net loans and leases to total assets | 70.6641% | 2,469 |
| Net loans and leases to deposits | 76.8023% | 3,289 |
| Net loans and leases to core deposits | 80.8458% | 3,360 |
| Total domestic deposits to total assets | 92.0078% | 68 |
| Equity capital to assets | 7.6683% | 5,250 |
| Core capital (leverage) ratio | 7.9525% | 5,253 |
| Tier 1 risk-based capital ratio | 10.2572% | 5,250 |
| Total risk-based capital ratio | 11.5110% | 5,173 |
| Memoranda: | ||
| Average total assets | $113,610,600 | 3,892 |
| Average earning assets | $104,462,000 | 3,910 |
| Average equity | $8,655,200 | 4,504 |
| Average total loans | $79,966,600 | 3,669 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7579% | 1,524 |
| Cost of funding earning assets | 0.3907% | 3,929 |
| Net interest margin | 4.3672% | 972 |
| Noninterest income to average assets | 1.1883% | 665 |
| Noninterest expense to average assets | 3.1462% | 1,654 |
| Loan and lease loss provision to assets | 0.2183% | 764 |
| Net operating income to assets | 0.9425% | 3,339 |
| Return on assets (ROA) | 0.9425% | 3,342 |
| Pretax return on assets | 1.8242% | 956 |
| Return on Equity (ROE) | 12.3941% | 1,641 |
| Retained earnings to average equity (ytd only) | -5.0046% | 5,318 |
| Net charge-offs to loans | 0.1262% | 1,253 |
| Credit loss provision to net charge-offs | 247.2973% | 1,193 |
| Earnings coverage of net charge-offs (x) | 23.1361% | 1,849 |
| Efficiency ratio | 60.5886% | 3,727 |
| Assets per employee ($millions) | 4.5501% | 3,041 |
| Cash dividends to net income (ytd only)* | 140.3794% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7257% | 830 |
| Loan loss allowance to noncurrent loans | 94.5551% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.9061% | 579 |
| Noncurrent loans to loans | 1.8251% | 840 |
| Net loans and leases to total assets | 68.5460% | 2,859 |
| Net loans and leases to deposits | 74.1806% | 3,580 |
| Net loans and leases to core deposits | 77.9633% | 3,657 |
| Total domestic deposits to total assets | 92.4043% | 60 |
| Equity capital to assets | 7.2948% | 5,347 |
| Core capital (leverage) ratio | 7.6915% | 5,372 |
| Tier 1 risk-based capital ratio | 10.1852% | 5,334 |
| Total risk-based capital ratio | 11.4389% | 5,264 |
| Memoranda: | ||
| Average total assets | $111,752,500 | 3,956 |
| Average earning assets | $102,367,250 | 3,982 |
| Average equity | $8,498,500 | 4,572 |
| Average total loans | $78,203,500 | 3,730 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7383% | 1,409 |
| Cost of funding earning assets | 0.3830% | 3,847 |
| Net interest margin | 4.3553% | 934 |
| Noninterest income to average assets | 1.2175% | 654 |
| Noninterest expense to average assets | 3.2874% | 1,350 |
| Loan and lease loss provision to assets | 0.2209% | 737 |
| Net operating income to assets | 0.8944% | 3,479 |
| Return on assets (ROA) | 0.8944% | 3,488 |
| Pretax return on assets | 1.6738% | 1,287 |
| Return on Equity (ROE) | 11.5912% | 1,877 |
| Retained earnings to average equity (ytd only) | -14.6428% | 5,471 |
| Net charge-offs to loans | 0.1928% | 812 |
| Credit loss provision to net charge-offs | 163.5135% | 1,493 |
| Earnings coverage of net charge-offs (x) | 14.0270% | 2,118 |
| Efficiency ratio | 63.3674% | 3,403 |
| Assets per employee ($millions) | 4.1173% | 3,698 |
| Cash dividends to net income (ytd only)* | 226.3265% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 834 |
| Loan loss allowance to noncurrent loans | 156.9124% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.4546% | 925 |
| Noncurrent loans to loans | 1.1115% | 1,585 |
| Net loans and leases to total assets | 69.0244% | 2,721 |
| Net loans and leases to deposits | 74.9060% | 3,447 |
| Net loans and leases to core deposits | 78.1793% | 3,560 |
| Total domestic deposits to total assets | 92.1479% | 77 |
| Equity capital to assets | 7.4527% | 5,386 |
| Core capital (leverage) ratio | 7.8184% | 5,395 |
| Tier 1 risk-based capital ratio | 10.9061% | 5,108 |
| Total risk-based capital ratio | 12.1617% | 4,989 |
| Memoranda: | ||
| Average total assets | $109,569,000 | 4,024 |
| Average earning assets | $99,741,330 | 4,055 |
| Average equity | $8,454,670 | 4,624 |
| Average total loans | $76,766,000 | 3,784 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 1,307 |
| Cost of funding earning assets | 0.3638% | 3,884 |
| Net interest margin | 4.3373% | 886 |
| Noninterest income to average assets | 0.7686% | 1,548 |
| Noninterest expense to average assets | 3.1700% | 1,636 |
| Loan and lease loss provision to assets | 0.2243% | 702 |
| Net operating income to assets | 0.3016% | 5,092 |
| Return on assets (ROA) | 0.3016% | 5,095 |
| Pretax return on assets | 1.3202% | 2,288 |
| Return on Equity (ROE) | 3.8410% | 4,805 |
| Retained earnings to average equity (ytd only) | -48.1059% | 5,583 |
| Net charge-offs to loans | 0.3890% | 402 |
| Credit loss provision to net charge-offs | 82.4324% | 1,725 |
| Earnings coverage of net charge-offs (x) | 5.6757% | 2,215 |
| Efficiency ratio | 67.1607% | 2,978 |
| Assets per employee ($millions) | 4.3836% | 3,346 |
| Cash dividends to net income (ytd only)* | 1,352.4390% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 928 |
| Loan loss allowance to noncurrent loans | 130,200.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 1.4317% | 999 |
| Noncurrent loans to loans | 0.0013% | 5,027 |
| Net loans and leases to total assets | 68.3131% | 2,725 |
| Net loans and leases to deposits | 73.8846% | 3,422 |
| Net loans and leases to core deposits | 76.3547% | 3,644 |
| Total domestic deposits to total assets | 92.4592% | 66 |
| Equity capital to assets | 7.2187% | 5,485 |
| Core capital (leverage) ratio | 7.5985% | 5,492 |
| Tier 1 risk-based capital ratio | 10.4546% | 5,361 |
| Total risk-based capital ratio | 11.7089% | 5,277 |
| Memoranda: | ||
| Average total assets | $108,769,500 | 4,087 |
| Average earning assets | $98,956,500 | 4,115 |
| Average equity | $8,539,500 | 4,657 |
| Average total loans | $76,101,500 | 3,836 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6012% | 1,427 |
| Cost of funding earning assets | 0.2472% | 4,586 |
| Net interest margin | 4.3540% | 851 |
| Noninterest income to average assets | 1.0317% | 958 |
| Noninterest expense to average assets | 3.0484% | 2,015 |
| Loan and lease loss provision to assets | 0.1804% | 1,193 |
| Net operating income to assets | 1.7690% | 459 |
| Return on assets (ROA) | 1.7690% | 466 |
| Pretax return on assets | 1.7709% | 858 |
| Return on Equity (ROE) | 20.6390% | 172 |
| Retained earnings to average equity (ytd only) | 2.2869% | 3,947 |
| Net charge-offs to loans | 0.0617% | 2,590 |
| Credit loss provision to net charge-offs | 430.2326% | 720 |
| Earnings coverage of net charge-offs (x) | 46.5349% | 1,155 |
| Efficiency ratio | 60.7373% | 4,151 |
| Assets per employee ($millions) | 4.4978% | 3,188 |
| Cash dividends to net income (ytd only)* | 88.9195% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 893 |
| Loan loss allowance to noncurrent loans | 268.9162% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 1.5480% | 866 |
| Noncurrent loans to loans | 0.6431% | 2,615 |
| Net loans and leases to total assets | 69.2194% | 2,645 |
| Net loans and leases to deposits | 76.8292% | 3,248 |
| Net loans and leases to core deposits | 78.2419% | 3,569 |
| Total domestic deposits to total assets | 90.0952% | 535 |
| Equity capital to assets | 8.4930% | 5,130 |
| Core capital (leverage) ratio | 8.7022% | 4,952 |
| Tier 1 risk-based capital ratio | 11.7601% | 4,680 |
| Total risk-based capital ratio | 13.0140% | 4,565 |
| Memoranda: | ||
| Average total assets | $102,546,600 | 4,198 |
| Average earning assets | $93,454,200 | 4,211 |
| Average equity | $8,789,200 | 4,650 |
| Average total loans | $69,695,000 | 3,971 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6067% | 1,351 |
| Cost of funding earning assets | 0.2422% | 4,645 |
| Net interest margin | 4.3646% | 795 |
| Noninterest income to average assets | 0.9723% | 1,087 |
| Noninterest expense to average assets | 3.0198% | 2,062 |
| Loan and lease loss provision to assets | 0.1634% | 1,244 |
| Net operating income to assets | 1.7523% | 519 |
| Return on assets (ROA) | 1.7523% | 532 |
| Pretax return on assets | 1.7550% | 990 |
| Return on Equity (ROE) | 20.3955% | 205 |
| Retained earnings to average equity (ytd only) | -4.3398% | 5,529 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8858% | 4,061 |
| Assets per employee ($millions) | 4.5517% | 3,047 |
| Cash dividends to net income (ytd only)* | 121.2780% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 893 |
| Loan loss allowance to noncurrent loans | 193.2936% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 1.4892% | 1,024 |
| Noncurrent loans to loans | 0.9189% | 2,089 |
| Net loans and leases to total assets | 68.5153% | 2,770 |
| Net loans and leases to deposits | 74.9948% | 3,473 |
| Net loans and leases to core deposits | 76.3950% | 3,775 |
| Total domestic deposits to total assets | 91.3601% | 122 |
| Equity capital to assets | 8.4584% | 5,311 |
| Core capital (leverage) ratio | 8.6162% | 5,139 |
| Tier 1 risk-based capital ratio | 11.5827% | 4,898 |
| Total risk-based capital ratio | 12.8373% | 4,780 |
| Memoranda: | ||
| Average total assets | $101,196,250 | 4,261 |
| Average earning assets | $91,950,500 | 4,282 |
| Average equity | $8,694,500 | 4,714 |
| Average total loans | $68,109,750 | 4,040 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 1,304 |
| Cost of funding earning assets | 0.2504% | 4,539 |
| Net interest margin | 4.3276% | 806 |
| Noninterest income to average assets | 1.1136% | 807 |
| Noninterest expense to average assets | 3.0090% | 2,084 |
| Loan and lease loss provision to assets | 0.2439% | 689 |
| Net operating income to assets | 1.7954% | 456 |
| Return on assets (ROA) | 1.7954% | 470 |
| Pretax return on assets | 1.7994% | 839 |
| Return on Equity (ROE) | 20.7846% | 188 |
| Retained earnings to average equity (ytd only) | -11.6422% | 5,673 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2006% | 4,437 |
| Assets per employee ($millions) | 4.0073% | 3,945 |
| Cash dividends to net income (ytd only)* | 156.0134% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9155% | 702 |
| Loan loss allowance to noncurrent loans | 660.7143% | 815 |
| Noncurrent assets plus other real estate owned to assets | 1.0820% | 1,613 |
| Noncurrent loans to loans | 0.2899% | 4,003 |
| Net loans and leases to total assets | 66.1925% | 3,073 |
| Net loans and leases to deposits | 72.5446% | 3,682 |
| Net loans and leases to core deposits | 74.1706% | 3,929 |
| Total domestic deposits to total assets | 91.2439% | 165 |
| Equity capital to assets | 8.6363% | 5,199 |
| Core capital (leverage) ratio | 8.7101% | 5,039 |
| Tier 1 risk-based capital ratio | 11.9756% | 4,650 |
| Total risk-based capital ratio | 13.2322% | 4,531 |
| Memoranda: | ||
| Average total assets | $100,032,000 | 4,309 |
| Average earning assets | $91,043,330 | 4,327 |
| Average equity | $8,641,000 | 4,745 |
| Average total loans | $66,471,330 | 4,091 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 1,444 |
| Cost of funding earning assets | 0.2489% | 4,547 |
| Net interest margin | 4.2221% | 942 |
| Noninterest income to average assets | 1.1845% | 726 |
| Noninterest expense to average assets | 2.8892% | 2,485 |
| Loan and lease loss provision to assets | 0.2441% | 628 |
| Net operating income to assets | 1.9128% | 355 |
| Return on assets (ROA) | 1.9128% | 365 |
| Pretax return on assets | 1.9208% | 598 |
| Return on Equity (ROE) | 22.1412% | 148 |
| Retained earnings to average equity (ytd only) | -25.5689% | 5,775 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7696% | 4,860 |
| Assets per employee ($millions) | 3.7821% | 4,368 |
| Cash dividends to net income (ytd only)* | 215.4812% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 866 |
| Loan loss allowance to noncurrent loans | 1,523.4568% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 1,859 |
| Noncurrent loans to loans | 0.1216% | 4,701 |
| Net loans and leases to total assets | 66.4646% | 2,902 |
| Net loans and leases to deposits | 72.7988% | 3,532 |
| Net loans and leases to core deposits | 74.4719% | 3,795 |
| Total domestic deposits to total assets | 91.2991% | 208 |
| Equity capital to assets | 8.5931% | 5,164 |
| Core capital (leverage) ratio | 8.5744% | 5,174 |
| Tier 1 risk-based capital ratio | 12.2192% | 4,570 |
| Total risk-based capital ratio | 13.4748% | 4,464 |
| Memoranda: | ||
| Average total assets | $99,957,000 | 4,349 |
| Average earning assets | $91,613,500 | 4,356 |
| Average equity | $8,635,500 | 4,784 |
| Average total loans | $65,903,000 | 4,132 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 1,605 |
| Cost of funding earning assets | 0.2134% | 4,896 |
| Net interest margin | 4.2648% | 991 |
| Noninterest income to average assets | 1.0375% | 1,049 |
| Noninterest expense to average assets | 3.0177% | 2,295 |
| Loan and lease loss provision to assets | 0.2524% | 831 |
| Net operating income to assets | 1.7185% | 519 |
| Return on assets (ROA) | 1.7185% | 549 |
| Pretax return on assets | 1.7205% | 951 |
| Return on Equity (ROE) | 18.9343% | 268 |
| Retained earnings to average equity (ytd only) | 2.4633% | 4,121 |
| Net charge-offs to loans | 0.0241% | 3,564 |
| Credit loss provision to net charge-offs | 1,633.3333% | 268 |
| Earnings coverage of net charge-offs (x) | 127.6667% | 478 |
| Efficiency ratio | 59.8472% | 4,605 |
| Assets per employee ($millions) | 4.2325% | 3,562 |
| Cash dividends to net income (ytd only)* | 86.9904% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 947 |
| Loan loss allowance to noncurrent loans | 353.3133% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 1.2896% | 1,372 |
| Noncurrent loans to loans | 0.5091% | 3,320 |
| Net loans and leases to total assets | 63.0455% | 3,477 |
| Net loans and leases to deposits | 69.1677% | 3,992 |
| Net loans and leases to core deposits | 70.4723% | 4,201 |
| Total domestic deposits to total assets | 91.1488% | 236 |
| Equity capital to assets | 8.6839% | 5,122 |
| Core capital (leverage) ratio | 8.9214% | 4,832 |
| Tier 1 risk-based capital ratio | 13.1903% | 3,951 |
| Total risk-based capital ratio | 14.4446% | 3,872 |
| Memoranda: | ||
| Average total assets | $97,062,200 | 4,404 |
| Average earning assets | $89,968,400 | 4,386 |
| Average equity | $8,809,400 | 4,790 |
| Average total loans | $62,226,400 | 4,221 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4790% | 1,612 |
| Cost of funding earning assets | 0.2125% | 4,950 |
| Net interest margin | 4.2665% | 993 |
| Noninterest income to average assets | 1.2300% | 765 |
| Noninterest expense to average assets | 3.0548% | 2,142 |
| Loan and lease loss provision to assets | 0.2557% | 730 |
| Net operating income to assets | 1.8790% | 420 |
| Return on assets (ROA) | 1.8790% | 441 |
| Pretax return on assets | 1.8818% | 740 |
| Return on Equity (ROE) | 20.4692% | 219 |
| Retained earnings to average equity (ytd only) | -1.4989% | 5,552 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1906% | 4,790 |
| Assets per employee ($millions) | 4.0942% | 3,799 |
| Cash dividends to net income (ytd only)* | 107.3227% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 1,148 |
| Loan loss allowance to noncurrent loans | 177.2013% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 1.5768% | 1,113 |
| Noncurrent loans to loans | 0.9748% | 2,291 |
| Net loans and leases to total assets | 62.6382% | 3,561 |
| Net loans and leases to deposits | 68.9250% | 4,074 |
| Net loans and leases to core deposits | 70.2173% | 4,308 |
| Total domestic deposits to total assets | 90.8789% | 216 |
| Equity capital to assets | 8.9052% | 5,239 |
| Core capital (leverage) ratio | 8.7763% | 5,080 |
| Tier 1 risk-based capital ratio | 13.1116% | 4,093 |
| Total risk-based capital ratio | 14.3667% | 3,999 |
| Memoranda: | ||
| Average total assets | $95,933,000 | 4,462 |
| Average earning assets | $89,095,000 | 4,447 |
| Average equity | $8,806,500 | 4,839 |
| Average total loans | $61,479,500 | 4,274 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 1,529 |
| Cost of funding earning assets | 0.2096% | 5,048 |
| Net interest margin | 4.2846% | 955 |
| Noninterest income to average assets | 1.2240% | 752 |
| Noninterest expense to average assets | 3.1836% | 1,855 |
| Loan and lease loss provision to assets | 0.2602% | 728 |
| Net operating income to assets | 1.7422% | 531 |
| Return on assets (ROA) | 1.7422% | 564 |
| Pretax return on assets | 1.7464% | 986 |
| Return on Equity (ROE) | 18.7737% | 311 |
| Retained earnings to average equity (ytd only) | -8.9158% | 5,860 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6409% | 4,559 |
| Assets per employee ($millions) | 3.9863% | 3,932 |
| Cash dividends to net income (ytd only)* | 147.4908% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 1,290 |
| Loan loss allowance to noncurrent loans | 116.8860% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.9755% | 834 |
| Noncurrent loans to loans | 1.4468% | 1,531 |
| Net loans and leases to total assets | 64.7727% | 3,255 |
| Net loans and leases to deposits | 71.4485% | 3,836 |
| Net loans and leases to core deposits | 72.8838% | 4,098 |
| Total domestic deposits to total assets | 90.6564% | 271 |
| Equity capital to assets | 9.1910% | 5,074 |
| Core capital (leverage) ratio | 9.1194% | 4,693 |
| Tier 1 risk-based capital ratio | 13.2276% | 4,063 |
| Total risk-based capital ratio | 14.4813% | 3,975 |
| Memoranda: | ||
| Average total assets | $93,792,000 | 4,538 |
| Average earning assets | $86,823,330 | 4,527 |
| Average equity | $8,703,670 | 4,891 |
| Average total loans | $60,225,670 | 4,340 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 1,689 |
| Cost of funding earning assets | 0.2144% | 5,059 |
| Net interest margin | 4.2237% | 1,055 |
| Noninterest income to average assets | 1.2579% | 689 |
| Noninterest expense to average assets | 3.1878% | 1,866 |
| Loan and lease loss provision to assets | 0.2671% | 634 |
| Net operating income to assets | 1.6973% | 582 |
| Return on assets (ROA) | 1.6973% | 621 |
| Pretax return on assets | 1.7059% | 1,056 |
| Return on Equity (ROE) | 18.2007% | 338 |
| Retained earnings to average equity (ytd only) | -21.7115% | 5,980 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0184% | 4,600 |
| Assets per employee ($millions) | 3.8241% | 4,254 |
| Cash dividends to net income (ytd only)* | 219.2893% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 1,314 |
| Loan loss allowance to noncurrent loans | 75.9637% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 2.6869% | 526 |
| Noncurrent loans to loans | 2.2630% | 890 |
| Net loans and leases to total assets | 62.6032% | 3,443 |
| Net loans and leases to deposits | 69.1300% | 3,946 |
| Net loans and leases to core deposits | 70.5778% | 4,193 |
| Total domestic deposits to total assets | 90.5587% | 416 |
| Equity capital to assets | 9.2876% | 4,899 |
| Core capital (leverage) ratio | 9.0485% | 4,794 |
| Tier 1 risk-based capital ratio | 14.0019% | 3,694 |
| Total risk-based capital ratio | 15.2558% | 3,619 |
| Memoranda: | ||
| Average total assets | $92,853,000 | 4,601 |
| Average earning assets | $85,801,500 | 4,581 |
| Average equity | $8,659,000 | 4,927 |
| Average total loans | $58,821,500 | 4,418 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 1,653 |
| Cost of funding earning assets | 0.2220% | 5,076 |
| Net interest margin | 4.2598% | 1,044 |
| Noninterest income to average assets | 0.9071% | 1,423 |
| Noninterest expense to average assets | 3.0476% | 2,391 |
| Loan and lease loss provision to assets | 0.1334% | 1,787 |
| Net operating income to assets | 1.6147% | 681 |
| Return on assets (ROA) | 1.6147% | 707 |
| Pretax return on assets | 1.6169% | 1,204 |
| Return on Equity (ROE) | 17.0722% | 445 |
| Retained earnings to average equity (ytd only) | 1.1537% | 5,046 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4397% | 4,540 |
| Assets per employee ($millions) | 4.0838% | 3,788 |
| Cash dividends to net income (ytd only)* | 93.2423% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 1,628 |
| Loan loss allowance to noncurrent loans | 108.0092% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 2.4508% | 635 |
| Noncurrent loans to loans | 1.4768% | 1,574 |
| Net loans and leases to total assets | 62.0028% | 3,564 |
| Net loans and leases to deposits | 68.5758% | 4,072 |
| Net loans and leases to core deposits | 69.9799% | 4,302 |
| Total domestic deposits to total assets | 90.4150% | 466 |
| Equity capital to assets | 9.3625% | 4,718 |
| Core capital (leverage) ratio | 9.4174% | 4,293 |
| Tier 1 risk-based capital ratio | 13.9026% | 3,770 |
| Total risk-based capital ratio | 15.1548% | 3,697 |
| Memoranda: | ||
| Average total assets | $90,727,000 | 4,652 |
| Average earning assets | $82,867,400 | 4,659 |
| Average equity | $8,581,200 | 4,943 |
| Average total loans | $55,397,800 | 4,518 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5185% | 1,539 |
| Cost of funding earning assets | 0.2245% | 5,140 |
| Net interest margin | 4.2939% | 967 |
| Noninterest income to average assets | 0.9489% | 1,321 |
| Noninterest expense to average assets | 3.0157% | 2,469 |
| Loan and lease loss provision to assets | 0.0786% | 2,601 |
| Net operating income to assets | 1.7644% | 562 |
| Return on assets (ROA) | 1.7644% | 577 |
| Pretax return on assets | 1.7673% | 961 |
| Return on Equity (ROE) | 18.6049% | 364 |
| Retained earnings to average equity (ytd only) | -2.2045% | 5,878 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9332% | 4,746 |
| Assets per employee ($millions) | 3.4447% | 4,901 |
| Cash dividends to net income (ytd only)* | 111.8484% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 2,073 |
| Loan loss allowance to noncurrent loans | 458.1152% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 1.8386% | 1,153 |
| Noncurrent loans to loans | 0.3315% | 4,419 |
| Net loans and leases to total assets | 60.9997% | 3,734 |
| Net loans and leases to deposits | 68.2547% | 4,167 |
| Net loans and leases to core deposits | 69.6798% | 4,404 |
| Total domestic deposits to total assets | 89.3707% | 827 |
| Equity capital to assets | 9.3423% | 4,948 |
| Core capital (leverage) ratio | 9.3021% | 4,582 |
| Tier 1 risk-based capital ratio | 14.0973% | 3,796 |
| Total risk-based capital ratio | 15.3490% | 3,734 |
| Memoranda: | ||
| Average total assets | $89,926,750 | 4,727 |
| Average earning assets | $81,943,250 | 4,738 |
| Average equity | $8,528,000 | 5,011 |
| Average total loans | $54,451,750 | 4,590 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 1,341 |
| Cost of funding earning assets | 0.2255% | 5,190 |
| Net interest margin | 4.3483% | 839 |
| Noninterest income to average assets | 0.9291% | 1,358 |
| Noninterest expense to average assets | 2.9516% | 2,713 |
| Loan and lease loss provision to assets | -0.0180% | 5,972 |
| Net operating income to assets | 1.9393% | 407 |
| Return on assets (ROA) | 1.9393% | 423 |
| Pretax return on assets | 1.9438% | 674 |
| Return on Equity (ROE) | 20.3438% | 254 |
| Retained earnings to average equity (ytd only) | -7.0094% | 6,091 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3635% | 5,069 |
| Assets per employee ($millions) | 3.4831% | 4,834 |
| Cash dividends to net income (ytd only)* | 134.4548% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 2,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8341% | 1,248 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 60.0386% | 3,833 |
| Net loans and leases to deposits | 67.0428% | 4,223 |
| Net loans and leases to core deposits | 68.4765% | 4,456 |
| Total domestic deposits to total assets | 89.5528% | 875 |
| Equity capital to assets | 9.2016% | 5,014 |
| Core capital (leverage) ratio | 9.4159% | 4,395 |
| Tier 1 risk-based capital ratio | 14.2794% | 3,771 |
| Total risk-based capital ratio | 15.5306% | 3,695 |
| Memoranda: | ||
| Average total assets | $88,900,000 | 4,792 |
| Average earning assets | $80,720,330 | 4,810 |
| Average equity | $8,474,330 | 5,060 |
| Average total loans | $53,399,330 | 4,663 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 1,705 |
| Cost of funding earning assets | 0.2309% | 5,202 |
| Net interest margin | 4.1871% | 1,090 |
| Noninterest income to average assets | 1.0355% | 1,041 |
| Noninterest expense to average assets | 2.9704% | 2,671 |
| Loan and lease loss provision to assets | 0.1453% | 1,399 |
| Net operating income to assets | 1.7077% | 578 |
| Return on assets (ROA) | 1.7077% | 607 |
| Pretax return on assets | 1.7077% | 1,035 |
| Return on Equity (ROE) | 17.6009% | 423 |
| Retained earnings to average equity (ytd only) | -21.3458% | 6,285 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3578% | 5,047 |
| Assets per employee ($millions) | 3.4445% | 5,002 |
| Cash dividends to net income (ytd only)* | 221.2766% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 1,991 |
| Loan loss allowance to noncurrent loans | 854.0000% | 625 |
| Noncurrent assets plus other real estate owned to assets | 2.5850% | 811 |
| Noncurrent loans to loans | 0.1892% | 5,108 |
| Net loans and leases to total assets | 58.0497% | 3,936 |
| Net loans and leases to deposits | 64.9691% | 4,275 |
| Net loans and leases to core deposits | 66.3760% | 4,485 |
| Total domestic deposits to total assets | 89.3497% | 1,069 |
| Equity capital to assets | 9.3841% | 4,875 |
| Core capital (leverage) ratio | 9.5118% | 4,258 |
| Tier 1 risk-based capital ratio | 14.4707% | 3,738 |
| Total risk-based capital ratio | 15.7220% | 3,660 |
| Memoranda: | ||
| Average total assets | $88,070,000 | 4,859 |
| Average earning assets | $79,673,500 | 4,872 |
| Average equity | $8,545,000 | 5,088 |
| Average total loans | $52,506,500 | 4,717 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2100% | 514 |
| Cost of funding earning assets | 0.2334% | 5,484 |
| Net interest margin | 4.9766% | 317 |
| Noninterest income to average assets | 0.5778% | 3,001 |
| Noninterest expense to average assets | 3.3266% | 1,860 |
| Loan and lease loss provision to assets | 0.1008% | 2,473 |
| Net operating income to assets | 1.5993% | 706 |
| Return on assets (ROA) | 1.5993% | 740 |
| Pretax return on assets | 1.6016% | 1,228 |
| Return on Equity (ROE) | 16.7879% | 513 |
| Retained earnings to average equity (ytd only) | 4.3340% | 3,106 |
| Net charge-offs to loans | 0.2069% | 2,013 |
| Credit loss provision to net charge-offs | 87.6289% | 2,691 |
| Earnings coverage of net charge-offs (x) | 14.7938% | 2,127 |
| Efficiency ratio | 64.6851% | 4,463 |
| Assets per employee ($millions) | 3.3302% | 5,219 |
| Cash dividends to net income (ytd only)* | 74.1840% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 2,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7361% | 800 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 59.3066% | 3,874 |
| Net loans and leases to deposits | 66.0697% | 4,319 |
| Net loans and leases to core deposits | 67.5409% | 4,553 |
| Total domestic deposits to total assets | 89.7637% | 849 |
| Equity capital to assets | 10.0319% | 4,068 |
| Core capital (leverage) ratio | 10.0860% | 3,456 |
| Tier 1 risk-based capital ratio | 15.7391% | 3,108 |
| Total risk-based capital ratio | 16.9928% | 3,037 |
| Memoranda: | ||
| Average total assets | $84,289,000 | 4,951 |
| Average earning assets | $75,392,800 | 5,009 |
| Average equity | $8,029,600 | 5,192 |
| Average total loans | $46,889,800 | 4,917 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3757% | 393 |
| Cost of funding earning assets | 0.2302% | 5,587 |
| Net interest margin | 5.1456% | 221 |
| Noninterest income to average assets | 0.3950% | 4,286 |
| Noninterest expense to average assets | 3.3733% | 1,732 |
| Loan and lease loss provision to assets | 0.0860% | 2,636 |
| Net operating income to assets | 1.5258% | 888 |
| Return on assets (ROA) | 1.5258% | 926 |
| Pretax return on assets | 1.5290% | 1,545 |
| Return on Equity (ROE) | 16.2393% | 653 |
| Retained earnings to average equity (ytd only) | -0.7120% | 5,912 |
| Net charge-offs to loans | 0.2077% | 1,806 |
| Credit loss provision to net charge-offs | 76.0563% | 2,669 |
| Earnings coverage of net charge-offs (x) | 14.2824% | 2,157 |
| Efficiency ratio | 66.0920% | 4,200 |
| Assets per employee ($millions) | 3.3034% | 5,232 |
| Cash dividends to net income (ytd only)* | 104.3842% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 2,345 |
| Loan loss allowance to noncurrent loans | 355.2174% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 2.8118% | 873 |
| Noncurrent loans to loans | 0.4466% | 4,560 |
| Net loans and leases to total assets | 59.0082% | 3,932 |
| Net loans and leases to deposits | 65.3139% | 4,401 |
| Net loans and leases to core deposits | 66.7681% | 4,632 |
| Total domestic deposits to total assets | 90.3456% | 597 |
| Equity capital to assets | 9.4379% | 4,879 |
| Core capital (leverage) ratio | 9.7230% | 4,042 |
| Tier 1 risk-based capital ratio | 15.0410% | 3,559 |
| Total risk-based capital ratio | 16.2957% | 3,493 |
| Memoranda: | ||
| Average total assets | $83,715,250 | 5,021 |
| Average earning assets | $74,728,750 | 5,079 |
| Average equity | $7,865,500 | 5,272 |
| Average total loans | $45,569,250 | 5,022 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7145% | 214 |
| Cost of funding earning assets | 0.2252% | 5,701 |
| Net interest margin | 5.4893% | 135 |
| Noninterest income to average assets | 0.5687% | 2,996 |
| Noninterest expense to average assets | 3.3907% | 1,698 |
| Loan and lease loss provision to assets | 0.5687% | 250 |
| Net operating income to assets | 1.4797% | 909 |
| Return on assets (ROA) | 1.4797% | 942 |
| Pretax return on assets | 1.4845% | 1,583 |
| Return on Equity (ROE) | 15.7733% | 677 |
| Retained earnings to average equity (ytd only) | -5.4205% | 6,261 |
| Net charge-offs to loans | 0.3166% | 1,275 |
| Credit loss provision to net charge-offs | 342.0290% | 775 |
| Earnings coverage of net charge-offs (x) | 12.3478% | 2,069 |
| Efficiency ratio | 60.8234% | 5,176 |
| Assets per employee ($millions) | 3.4761% | 4,894 |
| Cash dividends to net income (ytd only)* | 134.3648% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0601% | 1,256 |
| Loan loss allowance to noncurrent loans | 180.3604% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 3.3478% | 721 |
| Noncurrent loans to loans | 1.1422% | 2,948 |
| Net loans and leases to total assets | 57.0439% | 4,106 |
| Net loans and leases to deposits | 63.1762% | 4,575 |
| Net loans and leases to core deposits | 64.6234% | 4,760 |
| Total domestic deposits to total assets | 90.2933% | 662 |
| Equity capital to assets | 9.5437% | 4,694 |
| Core capital (leverage) ratio | 9.8212% | 3,855 |
| Tier 1 risk-based capital ratio | 14.6798% | 3,821 |
| Total risk-based capital ratio | 15.9375% | 3,767 |
| Memoranda: | ||
| Average total assets | $82,991,000 | 5,078 |
| Average earning assets | $73,706,670 | 5,145 |
| Average equity | $7,785,330 | 5,317 |
| Average total loans | $43,593,000 | 5,147 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5893% | 86 |
| Cost of funding earning assets | 0.2231% | 5,815 |
| Net interest margin | 6.3662% | 70 |
| Noninterest income to average assets | 0.6282% | 2,578 |
| Noninterest expense to average assets | 3.2184% | 2,164 |
| Loan and lease loss provision to assets | 1.1356% | 97 |
| Net operating income to assets | 1.9282% | 377 |
| Return on assets (ROA) | 1.9282% | 396 |
| Pretax return on assets | 1.9282% | 616 |
| Return on Equity (ROE) | 20.7354% | 255 |
| Retained earnings to average equity (ytd only) | -10.1858% | 6,366 |
| Net charge-offs to loans | 0.6716% | 546 |
| Credit loss provision to net charge-offs | 340.5797% | 727 |
| Earnings coverage of net charge-offs (x) | 9.1884% | 1,959 |
| Efficiency ratio | 49.9231% | 6,259 |
| Assets per employee ($millions) | 3.3609% | 5,231 |
| Cash dividends to net income (ytd only)* | 149.1228% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3697% | 943 |
| Loan loss allowance to noncurrent loans | 253.1646% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 3.4967% | 749 |
| Noncurrent loans to loans | 0.9360% | 3,545 |
| Net loans and leases to total assets | 49.0342% | 4,997 |
| Net loans and leases to deposits | 54.0938% | 5,277 |
| Net loans and leases to core deposits | 55.3176% | 5,410 |
| Total domestic deposits to total assets | 90.6466% | 711 |
| Equity capital to assets | 9.1784% | 4,896 |
| Core capital (leverage) ratio | 9.8914% | 3,728 |
| Tier 1 risk-based capital ratio | 15.5750% | 3,397 |
| Total risk-based capital ratio | 16.8346% | 3,356 |
| Memoranda: | ||
| Average total assets | $82,773,000 | 5,138 |
| Average earning assets | $73,513,000 | 5,195 |
| Average equity | $7,697,000 | 5,371 |
| Average total loans | $41,094,000 | 5,275 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4431% | 401 |
| Cost of funding earning assets | 0.2648% | 5,874 |
| Net interest margin | 5.1783% | 222 |
| Noninterest income to average assets | 0.5225% | 3,607 |
| Noninterest expense to average assets | 3.5144% | 1,617 |
| Loan and lease loss provision to assets | 0.5823% | 442 |
| Net operating income to assets | 0.8899% | 2,831 |
| Return on assets (ROA) | 0.8899% | 2,924 |
| Pretax return on assets | 0.8899% | 3,804 |
| Return on Equity (ROE) | 9.3478% | 2,395 |
| Retained earnings to average equity (ytd only) | 2.3466% | 4,574 |
| Net charge-offs to loans | 0.0405% | 4,662 |
| Credit loss provision to net charge-offs | 2,981.2500% | 78 |
| Earnings coverage of net charge-offs (x) | 75.3750% | 574 |
| Efficiency ratio | 68.3966% | 4,127 |
| Assets per employee ($millions) | 3.3968% | 5,097 |
| Cash dividends to net income (ytd only)* | 74.8971% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1882% | 1,190 |
| Loan loss allowance to noncurrent loans | 123.0661% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 3.8885% | 692 |
| Noncurrent loans to loans | 1.7780% | 2,261 |
| Net loans and leases to total assets | 47.9779% | 5,292 |
| Net loans and leases to deposits | 53.0655% | 5,544 |
| Net loans and leases to core deposits | 54.3040% | 5,652 |
| Total domestic deposits to total assets | 90.4125% | 865 |
| Equity capital to assets | 9.4231% | 4,527 |
| Core capital (leverage) ratio | 10.0854% | 3,456 |
| Tier 1 risk-based capital ratio | 16.3007% | 2,965 |
| Total risk-based capital ratio | 17.5552% | 2,915 |
| Memoranda: | ||
| Average total assets | $81,921,200 | 5,193 |
| Average earning assets | $70,621,800 | 5,296 |
| Average equity | $7,798,600 | 5,395 |
| Average total loans | $39,525,200 | 5,366 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4198% | 424 |
| Cost of funding earning assets | 0.2776% | 5,907 |
| Net interest margin | 5.1421% | 236 |
| Noninterest income to average assets | 0.4893% | 3,882 |
| Noninterest expense to average assets | 3.5031% | 1,607 |
| Loan and lease loss provision to assets | 0.6616% | 334 |
| Net operating income to assets | 0.7201% | 3,754 |
| Return on assets (ROA) | 0.7201% | 3,888 |
| Pretax return on assets | 0.7201% | 4,608 |
| Return on Equity (ROE) | 7.5456% | 3,352 |
| Retained earnings to average equity (ytd only) | -1.7544% | 6,234 |
| Net charge-offs to loans | 0.0744% | 3,878 |
| Credit loss provision to net charge-offs | 1,850.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 38.6400% | 1,029 |
| Efficiency ratio | 69.4842% | 3,839 |
| Assets per employee ($millions) | 3.3723% | 5,123 |
| Cash dividends to net income (ytd only)* | 123.2507% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1466% | 1,419 |
| Loan loss allowance to noncurrent loans | 399.0698% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 3.8932% | 818 |
| Noncurrent loans to loans | 0.5379% | 4,851 |
| Net loans and leases to total assets | 48.3252% | 5,313 |
| Net loans and leases to deposits | 53.4529% | 5,588 |
| Net loans and leases to core deposits | 54.7075% | 5,710 |
| Total domestic deposits to total assets | 90.4071% | 783 |
| Equity capital to assets | 9.3779% | 4,705 |
| Core capital (leverage) ratio | 9.8038% | 3,952 |
| Tier 1 risk-based capital ratio | 16.0969% | 3,136 |
| Total risk-based capital ratio | 17.3529% | 3,100 |
| Memoranda: | ||
| Average total assets | $82,020,750 | 5,241 |
| Average earning assets | $70,112,250 | 5,360 |
| Average equity | $7,827,750 | 5,441 |
| Average total loans | $39,409,500 | 5,423 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 1,399 |
| Cost of funding earning assets | 0.2864% | 5,933 |
| Net interest margin | 4.4822% | 728 |
| Noninterest income to average assets | 1.0002% | 1,538 |
| Noninterest expense to average assets | 3.5032% | 1,598 |
| Loan and lease loss provision to assets | 0.3374% | 1,010 |
| Net operating income to assets | 0.9541% | 2,546 |
| Return on assets (ROA) | 0.9541% | 2,696 |
| Pretax return on assets | 0.9589% | 3,684 |
| Return on Equity (ROE) | 9.9406% | 2,223 |
| Retained earnings to average equity (ytd only) | -3.8700% | 6,384 |
| Net charge-offs to loans | 0.1122% | 3,242 |
| Credit loss provision to net charge-offs | 631.8182% | 463 |
| Earnings coverage of net charge-offs (x) | 24.2727% | 1,304 |
| Efficiency ratio | 70.5615% | 3,722 |
| Assets per employee ($millions) | 3.1186% | 5,641 |
| Cash dividends to net income (ytd only)* | 138.9313% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 3,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.5694% | 712 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 47.9990% | 5,329 |
| Net loans and leases to deposits | 52.8812% | 5,611 |
| Net loans and leases to core deposits | 54.1135% | 5,746 |
| Total domestic deposits to total assets | 90.7675% | 640 |
| Equity capital to assets | 9.1178% | 5,081 |
| Core capital (leverage) ratio | 9.6786% | 3,971 |
| Tier 1 risk-based capital ratio | 15.9098% | 3,249 |
| Total risk-based capital ratio | 17.0974% | 3,238 |
| Memoranda: | ||
| Average total assets | $82,382,670 | 5,267 |
| Average earning assets | $69,831,670 | 5,399 |
| Average equity | $7,907,000 | 5,454 |
| Average total loans | $39,222,670 | 5,459 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 2,603 |
| Cost of funding earning assets | 0.2991% | 5,971 |
| Net interest margin | 4.0784% | 1,529 |
| Noninterest income to average assets | 0.9394% | 1,639 |
| Noninterest expense to average assets | 3.3722% | 1,893 |
| Loan and lease loss provision to assets | 0.1493% | 2,385 |
| Net operating income to assets | 0.8238% | 3,032 |
| Return on assets (ROA) | 0.8238% | 3,175 |
| Pretax return on assets | 0.8334% | 4,028 |
| Return on Equity (ROE) | 8.3782% | 2,783 |
| Retained earnings to average equity (ytd only) | -11.2200% | 6,662 |
| Net charge-offs to loans | 0.2252% | 2,092 |
| Credit loss provision to net charge-offs | 140.9091% | 1,427 |
| Earnings coverage of net charge-offs (x) | 9.2727% | 1,860 |
| Efficiency ratio | 75.8850% | 2,941 |
| Assets per employee ($millions) | 3.1214% | 5,784 |
| Cash dividends to net income (ytd only)* | 233.9181% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 4,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.9052% | 748 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 44.8148% | 5,577 |
| Net loans and leases to deposits | 49.6079% | 5,814 |
| Net loans and leases to core deposits | 50.7218% | 5,915 |
| Total domestic deposits to total assets | 90.3379% | 857 |
| Equity capital to assets | 9.4936% | 4,858 |
| Core capital (leverage) ratio | 9.5855% | 3,949 |
| Tier 1 risk-based capital ratio | 15.2637% | 3,675 |
| Total risk-based capital ratio | 16.2075% | 3,833 |
| Memoranda: | ||
| Average total assets | $83,032,500 | 5,298 |
| Average earning assets | $69,537,500 | 5,450 |
| Average equity | $8,164,000 | 5,444 |
| Average total loans | $39,079,500 | 5,502 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1013% | 234 |
| Cost of funding earning assets | 0.3713% | 6,101 |
| Net interest margin | 5.7300% | 122 |
| Noninterest income to average assets | 0.6632% | 2,919 |
| Noninterest expense to average assets | 4.0831% | 884 |
| Loan and lease loss provision to assets | 0.2974% | 2,301 |
| Net operating income to assets | 1.0750% | 2,038 |
| Return on assets (ROA) | 1.0750% | 2,223 |
| Pretax return on assets | 1.0750% | 3,255 |
| Return on Equity (ROE) | 10.4161% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.4161% | 522 |
| Net charge-offs to loans | 0.4988% | 2,242 |
| Credit loss provision to net charge-offs | 108.1340% | 2,728 |
| Earnings coverage of net charge-offs (x) | 4.9904% | 3,184 |
| Efficiency ratio | 72.7448% | 3,282 |
| Assets per employee ($millions) | 3.0291% | 5,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 5,184 |
| Loan loss allowance to noncurrent loans | 126.4706% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 4.7147% | 857 |
| Noncurrent loans to loans | 0.9372% | 4,310 |
| Net loans and leases to total assets | 48.2167% | 5,391 |
| Net loans and leases to deposits | 53.7569% | 5,674 |
| Net loans and leases to core deposits | 55.2334% | 5,774 |
| Total domestic deposits to total assets | 89.6940% | 1,132 |
| Equity capital to assets | 10.1813% | 3,912 |
| Core capital (leverage) ratio | 10.1138% | 3,255 |
| Tier 1 risk-based capital ratio | 15.7403% | 3,295 |
| Total risk-based capital ratio | 16.6699% | 3,437 |
| Memoranda: | ||
| Average total assets | $75,996,600 | 5,458 |
| Average earning assets | $63,560,200 | 5,620 |
| Average equity | $7,843,600 | 5,541 |
| Average total loans | $41,902,000 | 5,423 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9642% | 295 |
| Cost of funding earning assets | 0.3778% | 6,247 |
| Net interest margin | 5.5863% | 157 |
| Noninterest income to average assets | 0.6063% | 3,237 |
| Noninterest expense to average assets | 4.1708% | 752 |
| Loan and lease loss provision to assets | 0.3488% | 1,877 |
| Net operating income to assets | 0.7673% | 3,615 |
| Return on assets (ROA) | 0.7673% | 3,870 |
| Pretax return on assets | 0.7673% | 4,603 |
| Return on Equity (ROE) | 7.4066% | 3,580 |
| Retained earnings to average equity (ytd only) | 7.4066% | 1,895 |
| Net charge-offs to loans | 0.6352% | 1,733 |
| Credit loss provision to net charge-offs | 96.5347% | 3,095 |
| Earnings coverage of net charge-offs (x) | 3.0891% | 3,789 |
| Efficiency ratio | 76.6915% | 2,567 |
| Assets per employee ($millions) | 2.9597% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 5,803 |
| Loan loss allowance to noncurrent loans | 35.9200% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 6.4418% | 595 |
| Noncurrent loans to loans | 3.0049% | 1,858 |
| Net loans and leases to total assets | 53.4756% | 4,826 |
| Net loans and leases to deposits | 59.9077% | 5,221 |
| Net loans and leases to core deposits | 61.6636% | 5,391 |
| Total domestic deposits to total assets | 89.2633% | 1,270 |
| Equity capital to assets | 10.4430% | 3,909 |
| Core capital (leverage) ratio | 9.8133% | 3,799 |
| Tier 1 risk-based capital ratio | 14.5277% | 4,169 |
| Total risk-based capital ratio | 15.3861% | 4,388 |
| Memoranda: | ||
| Average total assets | $74,549,000 | 5,556 |
| Average earning assets | $62,460,500 | 5,723 |
| Average equity | $7,722,750 | 5,633 |
| Average total loans | $42,400,500 | 5,470 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8282% | 388 |
| Cost of funding earning assets | 0.3746% | 6,403 |
| Net interest margin | 5.4536% | 187 |
| Noninterest income to average assets | 0.4990% | 3,928 |
| Noninterest expense to average assets | 4.1818% | 748 |
| Loan and lease loss provision to assets | 0.4448% | 1,451 |
| Net operating income to assets | 0.4529% | 5,026 |
| Return on assets (ROA) | 0.4529% | 5,264 |
| Pretax return on assets | 0.4529% | 5,568 |
| Return on Equity (ROE) | 4.3842% | 5,099 |
| Retained earnings to average equity (ytd only) | 4.3842% | 3,699 |
| Net charge-offs to loans | 0.6515% | 1,693 |
| Credit loss provision to net charge-offs | 117.9856% | 2,335 |
| Earnings coverage of net charge-offs (x) | 2.3813% | 3,806 |
| Efficiency ratio | 79.7117% | 2,232 |
| Assets per employee ($millions) | 2.7523% | 6,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 5,713 |
| Loan loss allowance to noncurrent loans | 32.3906% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 7.0098% | 559 |
| Noncurrent loans to loans | 3.4503% | 1,671 |
| Net loans and leases to total assets | 55.2255% | 4,589 |
| Net loans and leases to deposits | 61.4304% | 5,078 |
| Net loans and leases to core deposits | 62.6577% | 5,335 |
| Total domestic deposits to total assets | 89.8993% | 981 |
| Equity capital to assets | 9.9385% | 4,439 |
| Core capital (leverage) ratio | 9.6774% | 3,874 |
| Tier 1 risk-based capital ratio | 13.9034% | 4,521 |
| Total risk-based capital ratio | 14.8170% | 4,734 |
| Memoranda: | ||
| Average total assets | $73,748,330 | 5,609 |
| Average earning assets | $61,940,330 | 5,771 |
| Average equity | $7,618,330 | 5,682 |
| Average total loans | $42,667,670 | 5,481 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7705% | 120 |
| Cost of funding earning assets | 0.3240% | 6,761 |
| Net interest margin | 6.4465% | 69 |
| Noninterest income to average assets | 0.3551% | 5,029 |
| Noninterest expense to average assets | 4.0782% | 850 |
| Loan and lease loss provision to assets | 0.0055% | 5,205 |
| Net operating income to assets | 1.6812% | 747 |
| Return on assets (ROA) | 1.6812% | 832 |
| Pretax return on assets | 1.6812% | 1,355 |
| Return on Equity (ROE) | 15.9516% | 812 |
| Retained earnings to average equity (ytd only) | 15.9516% | 371 |
| Net charge-offs to loans | -0.0094% | 5,927 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3349% | 4,106 |
| Assets per employee ($millions) | 2.7740% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7464% | 6,822 |
| Loan loss allowance to noncurrent loans | 14.3631% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 7.0576% | 603 |
| Noncurrent loans to loans | 5.1963% | 1,056 |
| Net loans and leases to total assets | 56.4621% | 4,300 |
| Net loans and leases to deposits | 63.1415% | 4,752 |
| Net loans and leases to core deposits | 64.1890% | 5,091 |
| Total domestic deposits to total assets | 89.4216% | 1,413 |
| Equity capital to assets | 10.3581% | 3,662 |
| Core capital (leverage) ratio | 10.5550% | 2,691 |
| Tier 1 risk-based capital ratio | 14.1897% | 4,327 |
| Total risk-based capital ratio | 14.7969% | 4,776 |
| Memoranda: | ||
| Average total assets | $72,090,500 | 5,710 |
| Average earning assets | $60,498,000 | 5,857 |
| Average equity | $7,598,000 | 5,711 |
| Average total loans | $42,481,500 | 5,532 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 6,310 |
| Cost of funding earning assets | 0.1458% | 7,280 |
| Net interest margin | 3.9316% | 3,198 |
| Noninterest income to average assets | 0.3779% | 4,804 |
| Noninterest expense to average assets | 2.1419% | 6,401 |
| Loan and lease loss provision to assets | 0.3889% | 2,660 |
| Net operating income to assets | 1.1571% | 1,651 |
| Return on assets (ROA) | 1.1571% | 1,759 |
| Pretax return on assets | 1.1571% | 2,623 |
| Return on Equity (ROE) | 13.2539% | 1,109 |
| Retained earnings to average equity (ytd only) | 13.2539% | 210 |
| Net charge-offs to loans | 0.2234% | 4,384 |
| Credit loss provision to net charge-offs | 268.5714% | 893 |
| Earnings coverage of net charge-offs (x) | 10.6762% | 1,808 |
| Efficiency ratio | 58.0778% | 6,047 |
| Assets per employee ($millions) | 2.5660% | 6,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4179% | 7,156 |
| Loan loss allowance to noncurrent loans | 9.2719% | 6,828 |
| Noncurrent assets plus other real estate owned to assets | 7.3092% | 614 |
| Noncurrent loans to loans | 4.5070% | 1,324 |
| Net loans and leases to total assets | 60.8793% | 3,814 |
| Net loans and leases to deposits | 68.3958% | 4,380 |
| Net loans and leases to core deposits | 69.1697% | 4,890 |
| Total domestic deposits to total assets | 89.0103% | 1,528 |
| Equity capital to assets | 10.7357% | 3,264 |
| Core capital (leverage) ratio | 9.5911% | 3,887 |
| Tier 1 risk-based capital ratio | 13.6531% | 4,589 |
| Total risk-based capital ratio | 13.9933% | 5,253 |
| Memoranda: | ||
| Average total assets | $72,507,000 | 5,679 |
| Average earning assets | $61,044,000 | 5,834 |
| Average equity | $6,330,200 | 6,063 |
| Average total loans | $47,002,200 | 5,382 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6956% | 7,322 |
| Cost of funding earning assets | 0.0796% | 7,393 |
| Net interest margin | 2.6160% | 7,063 |
| Noninterest income to average assets | 0.2819% | 5,595 |
| Noninterest expense to average assets | 1.4822% | 7,238 |
| Loan and lease loss provision to assets | 0.3637% | 2,684 |
| Net operating income to assets | 0.6474% | 3,885 |
| Return on assets (ROA) | 0.6474% | 4,062 |
| Pretax return on assets | 0.6474% | 4,653 |
| Return on Equity (ROE) | 7.8412% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.8412% | 1,570 |
| Net charge-offs to loans | -0.1246% | 7,198 |
| Credit loss provision to net charge-offs | -444.4444% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4457% | 5,799 |
| Assets per employee ($millions) | 2.6460% | 6,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5652% | 7,121 |
| Loan loss allowance to noncurrent loans | 8.2575% | 6,914 |
| Noncurrent assets plus other real estate owned to assets | 8.5832% | 480 |
| Noncurrent loans to loans | 6.8444% | 738 |
| Net loans and leases to total assets | 58.1802% | 4,483 |
| Net loans and leases to deposits | 69.1667% | 4,430 |
| Net loans and leases to core deposits | 69.9377% | 4,954 |
| Total domestic deposits to total assets | 84.1160% | 4,178 |
| Equity capital to assets | 9.4052% | 5,235 |
| Core capital (leverage) ratio | 8.9732% | 4,977 |
| Tier 1 risk-based capital ratio | 12.3172% | 5,651 |
| Total risk-based capital ratio | 12.7747% | 6,218 |
| Memoranda: | ||
| Average total assets | $73,313,000 | 5,705 |
| Average earning assets | $61,976,250 | 5,845 |
| Average equity | $6,053,250 | 6,187 |
| Average total loans | $48,163,750 | 5,377 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1868% | 7,504 |
| Cost of funding earning assets | 0.0290% | 7,480 |
| Net interest margin | 0.1578% | 7,501 |
| Noninterest income to average assets | 0.1068% | 6,796 |
| Noninterest expense to average assets | 0.1369% | 7,508 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1040% | 6,005 |
| Return on assets (ROA) | 0.1040% | 6,086 |
| Pretax return on assets | 0.1040% | 6,097 |
| Return on Equity (ROE) | 1.3221% | 5,997 |
| Retained earnings to average equity (ytd only) | 1.3221% | 5,320 |
| Net charge-offs to loans | -0.0121% | 6,727 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8182% | 6,316 |
| Assets per employee ($millions) | 2.5325% | 6,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0067% | 7,444 |
| Loan loss allowance to noncurrent loans | 0.1482% | 7,011 |
| Noncurrent assets plus other real estate owned to assets | 7.3677% | 669 |
| Noncurrent loans to loans | 4.5214% | 1,464 |
| Net loans and leases to total assets | 60.9488% | 4,098 |
| Net loans and leases to deposits | 73.2494% | 3,906 |
| Net loans and leases to core deposits | 74.4581% | 4,518 |
| Total domestic deposits to total assets | 83.2072% | 4,666 |
| Equity capital to assets | 10.0692% | 4,060 |
| Core capital (leverage) ratio | 9.9398% | 3,338 |
| Tier 1 risk-based capital ratio | 13.7058% | 4,383 |
| Total risk-based capital ratio | 13.7117% | 5,360 |
| Memoranda: | ||
| Average total assets | $73,055,000 | 5,749 |
| Average earning assets | $62,092,330 | 5,886 |
| Average equity | $5,748,330 | 6,305 |
| Average total loans | $49,768,670 | 5,365 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3536% | 1,715 |
| Cost of funding earning assets | 0.7767% | 5,700 |
| Net interest margin | 4.5769% | 905 |
| Noninterest income to average assets | 0.4996% | 3,895 |
| Noninterest expense to average assets | 4.3425% | 695 |
| Loan and lease loss provision to assets | -0.0988% | 7,486 |
| Net operating income to assets | 0.1592% | 5,915 |
| Return on assets (ROA) | 0.1592% | 5,967 |
| Pretax return on assets | 0.1702% | 6,005 |
| Return on Equity (ROE) | 2.3553% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.3553% | 4,733 |
| Net charge-offs to loans | -0.0995% | 7,087 |
| Credit loss provision to net charge-offs | 138.4615% | 2,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3831% | 814 |
| Assets per employee ($millions) | 2.5649% | 6,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2144% | 53 |
| Loan loss allowance to noncurrent loans | 171.9404% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 7.7363% | 631 |
| Noncurrent loans to loans | 4.1959% | 1,706 |
| Net loans and leases to total assets | 66.1710% | 2,964 |
| Net loans and leases to deposits | 76.5274% | 3,332 |
| Net loans and leases to core deposits | 77.7647% | 4,052 |
| Total domestic deposits to total assets | 86.4670% | 3,256 |
| Equity capital to assets | 6.8424% | 7,133 |
| Core capital (leverage) ratio | 6.6863% | 7,121 |
| Tier 1 risk-based capital ratio | 9.0714% | 7,213 |
| Total risk-based capital ratio | 10.3910% | 7,211 |
| Memoranda: | ||
| Average total assets | $72,861,500 | 5,792 |
| Average earning assets | $62,313,500 | 5,923 |
| Average equity | $4,925,000 | 6,590 |
| Average total loans | $52,270,500 | 5,317 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2101% | 548 |
| Cost of funding earning assets | 1.2453% | 4,246 |
| Net interest margin | 4.9648% | 471 |
| Noninterest income to average assets | 0.4244% | 4,713 |
| Noninterest expense to average assets | 4.1728% | 929 |
| Loan and lease loss provision to assets | 2.9500% | 330 |
| Net operating income to assets | -2.7771% | 7,243 |
| Return on assets (ROA) | -2.7771% | 7,263 |
| Pretax return on assets | -2.7746% | 7,239 |
| Return on Equity (ROE) | -35.0252% | 7,292 |
| Retained earnings to average equity (ytd only) | -35.0252% | 7,280 |
| Net charge-offs to loans | 1.2546% | 1,790 |
| Credit loss provision to net charge-offs | 324.3972% | 794 |
| Earnings coverage of net charge-offs (x) | 0.1929% | 5,917 |
| Efficiency ratio | 95.9656% | 968 |
| Assets per employee ($millions) | 2.4635% | 7,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9387% | 63 |
| Loan loss allowance to noncurrent loans | 100.5162% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 8.0359% | 616 |
| Noncurrent loans to loans | 6.9031% | 827 |
| Net loans and leases to total assets | 67.1448% | 3,177 |
| Net loans and leases to deposits | 77.1901% | 3,641 |
| Net loans and leases to core deposits | 78.3937% | 4,409 |
| Total domestic deposits to total assets | 86.9862% | 2,827 |
| Equity capital to assets | 6.6788% | 7,216 |
| Core capital (leverage) ratio | 6.1800% | 7,266 |
| Tier 1 risk-based capital ratio | 8.7442% | 7,287 |
| Total risk-based capital ratio | 10.0618% | 7,284 |
| Memoranda: | ||
| Average total assets | $77,525,800 | 5,657 |
| Average earning assets | $61,271,400 | 5,948 |
| Average equity | $6,147,000 | 6,322 |
| Average total loans | $56,193,800 | 5,223 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3626% | 447 |
| Cost of funding earning assets | 1.3531% | 3,877 |
| Net interest margin | 5.0096% | 434 |
| Noninterest income to average assets | 0.7803% | 2,319 |
| Noninterest expense to average assets | 3.9864% | 1,061 |
| Loan and lease loss provision to assets | 1.2223% | 1,163 |
| Net operating income to assets | -0.5610% | 6,639 |
| Return on assets (ROA) | -0.5610% | 6,693 |
| Pretax return on assets | -0.5576% | 6,590 |
| Return on Equity (ROE) | -6.8218% | 6,779 |
| Retained earnings to average equity (ytd only) | -6.8218% | 6,702 |
| Net charge-offs to loans | 0.5131% | 3,236 |
| Credit loss provision to net charge-offs | 328.3105% | 971 |
| Earnings coverage of net charge-offs (x) | 1.7854% | 4,375 |
| Efficiency ratio | 85.7091% | 1,661 |
| Assets per employee ($millions) | 2.6792% | 6,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7497% | 210 |
| Loan loss allowance to noncurrent loans | 121.9944% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 6.0697% | 980 |
| Noncurrent loans to loans | 3.8934% | 1,949 |
| Net loans and leases to total assets | 67.5715% | 3,317 |
| Net loans and leases to deposits | 80.6740% | 3,327 |
| Net loans and leases to core deposits | 82.4243% | 4,182 |
| Total domestic deposits to total assets | 83.7587% | 4,248 |
| Equity capital to assets | 8.7687% | 5,904 |
| Core capital (leverage) ratio | 8.4251% | 5,656 |
| Tier 1 risk-based capital ratio | 11.1470% | 6,244 |
| Total risk-based capital ratio | 12.4356% | 6,204 |
| Memoranda: | ||
| Average total assets | $78,430,750 | 5,706 |
| Average earning assets | $60,602,250 | 6,045 |
| Average equity | $6,449,750 | 6,301 |
| Average total loans | $56,911,250 | 5,279 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3491% | 466 |
| Cost of funding earning assets | 1.4145% | 3,785 |
| Net interest margin | 4.9345% | 495 |
| Noninterest income to average assets | 0.8084% | 2,075 |
| Noninterest expense to average assets | 3.9377% | 1,127 |
| Loan and lease loss provision to assets | 0.1119% | 5,787 |
| Net operating income to assets | 0.5847% | 3,934 |
| Return on assets (ROA) | 0.5847% | 4,079 |
| Pretax return on assets | 0.5898% | 4,594 |
| Return on Equity (ROE) | 7.2685% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.2685% | 1,725 |
| Net charge-offs to loans | 0.7581% | 2,345 |
| Credit loss provision to net charge-offs | 20.1835% | 5,849 |
| Earnings coverage of net charge-offs (x) | 1.2661% | 4,556 |
| Efficiency ratio | 84.8767% | 1,827 |
| Assets per employee ($millions) | 2.5164% | 7,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4213% | 585 |
| Loan loss allowance to noncurrent loans | 78.3239% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 5.3994% | 1,155 |
| Noncurrent loans to loans | 4.3681% | 1,686 |
| Net loans and leases to total assets | 70.3479% | 2,829 |
| Net loans and leases to deposits | 84.2589% | 2,829 |
| Net loans and leases to core deposits | 86.0559% | 3,821 |
| Total domestic deposits to total assets | 83.4902% | 4,345 |
| Equity capital to assets | 9.2567% | 5,063 |
| Core capital (leverage) ratio | 9.2430% | 4,227 |
| Tier 1 risk-based capital ratio | 11.7081% | 5,576 |
| Total risk-based capital ratio | 12.9809% | 5,519 |
| Memoranda: | ||
| Average total assets | $78,675,330 | 5,739 |
| Average earning assets | $61,079,670 | 6,060 |
| Average equity | $6,328,670 | 6,362 |
| Average total loans | $57,508,670 | 5,290 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4656% | 386 |
| Cost of funding earning assets | 1.4966% | 3,582 |
| Net interest margin | 4.9690% | 441 |
| Noninterest income to average assets | 0.8961% | 1,643 |
| Noninterest expense to average assets | 4.0654% | 942 |
| Loan and lease loss provision to assets | 0.2228% | 4,270 |
| Net operating income to assets | 0.4202% | 4,754 |
| Return on assets (ROA) | 0.4202% | 4,895 |
| Pretax return on assets | 0.4405% | 5,161 |
| Return on Equity (ROE) | 5.6439% | 4,038 |
| Retained earnings to average equity (ytd only) | 5.6439% | 2,785 |
| Net charge-offs to loans | 0.0346% | 5,093 |
| Credit loss provision to net charge-offs | 880.0000% | 528 |
| Earnings coverage of net charge-offs (x) | 26.2000% | 965 |
| Efficiency ratio | 85.9743% | 1,799 |
| Assets per employee ($millions) | 2.7368% | 6,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7346% | 456 |
| Loan loss allowance to noncurrent loans | 114.3084% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 4.5712% | 1,471 |
| Noncurrent loans to loans | 3.2671% | 2,442 |
| Net loans and leases to total assets | 70.0552% | 2,924 |
| Net loans and leases to deposits | 83.4697% | 3,030 |
| Net loans and leases to core deposits | 85.2081% | 4,009 |
| Total domestic deposits to total assets | 83.9289% | 4,172 |
| Equity capital to assets | 8.9131% | 5,398 |
| Core capital (leverage) ratio | 8.9701% | 4,620 |
| Tier 1 risk-based capital ratio | 11.1685% | 5,989 |
| Total risk-based capital ratio | 12.4457% | 5,919 |
| Memoranda: | ||
| Average total assets | $79,009,000 | 5,796 |
| Average earning assets | $60,938,000 | 6,133 |
| Average equity | $5,882,500 | 6,565 |
| Average total loans | $57,852,500 | 5,345 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6786% | 487 |
| Cost of funding earning assets | 1.7875% | 4,054 |
| Net interest margin | 4.8911% | 574 |
| Noninterest income to average assets | 0.7687% | 2,564 |
| Noninterest expense to average assets | 3.9748% | 1,394 |
| Loan and lease loss provision to assets | 2.5404% | 778 |
| Net operating income to assets | -1.6198% | 6,916 |
| Return on assets (ROA) | -1.6198% | 6,922 |
| Pretax return on assets | -1.6172% | 6,770 |
| Return on Equity (ROE) | -21.3437% | 7,185 |
| Retained earnings to average equity (ytd only) | -27.7061% | 7,334 |
| Net charge-offs to loans | 0.1938% | 5,432 |
| Credit loss provision to net charge-offs | 1,700.8621% | 187 |
| Earnings coverage of net charge-offs (x) | 6.1810% | 2,422 |
| Efficiency ratio | 81.1514% | 2,721 |
| Assets per employee ($millions) | 2.4579% | 7,271 |
| Cash dividends to net income (ytd only)* | -29.8092% | 7,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6550% | 464 |
| Loan loss allowance to noncurrent loans | 772.9927% | 444 |
| Noncurrent assets plus other real estate owned to assets | 2.5708% | 2,723 |
| Noncurrent loans to loans | 0.4728% | 6,306 |
| Net loans and leases to total assets | 70.9836% | 3,009 |
| Net loans and leases to deposits | 81.7100% | 3,663 |
| Net loans and leases to core deposits | 90.9180% | 5,026 |
| Total domestic deposits to total assets | 86.8726% | 2,576 |
| Equity capital to assets | 5.9642% | 7,669 |
| Core capital (leverage) ratio | 5.9198% | 7,652 |
| Tier 1 risk-based capital ratio | 7.4300% | 7,706 |
| Total risk-based capital ratio | 8.7066% | 7,710 |
| Memoranda: | ||
| Average total assets | $77,664,200 | 5,791 |
| Average earning assets | $65,567,600 | 5,942 |
| Average equity | $5,894,000 | 6,637 |
| Average total loans | $59,844,800 | 5,259 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6302% | 582 |
| Cost of funding earning assets | 1.8130% | 4,325 |
| Net interest margin | 4.8172% | 662 |
| Noninterest income to average assets | 0.7974% | 2,442 |
| Noninterest expense to average assets | 3.9783% | 1,303 |
| Loan and lease loss provision to assets | 0.2204% | 5,209 |
| Net operating income to assets | 0.7457% | 3,041 |
| Return on assets (ROA) | 0.7457% | 3,096 |
| Pretax return on assets | 0.7492% | 3,701 |
| Return on Equity (ROE) | 9.3195% | 2,154 |
| Retained earnings to average equity (ytd only) | 1.2483% | 4,625 |
| Net charge-offs to loans | 0.0840% | 5,842 |
| Credit loss provision to net charge-offs | 336.8421% | 1,223 |
| Earnings coverage of net charge-offs (x) | 14.8145% | 1,573 |
| Efficiency ratio | 80.4038% | 2,787 |
| Assets per employee ($millions) | 2.4620% | 7,287 |
| Cash dividends to net income (ytd only)* | 86.6053% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5886% | 7,598 |
| Loan loss allowance to noncurrent loans | 39.3057% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 2.1603% | 3,145 |
| Noncurrent loans to loans | 1.4974% | 4,416 |
| Net loans and leases to total assets | 75.2491% | 2,177 |
| Net loans and leases to deposits | 89.9443% | 2,591 |
| Net loans and leases to core deposits | 108.3920% | 3,425 |
| Total domestic deposits to total assets | 83.6619% | 3,878 |
| Equity capital to assets | 7.9101% | 6,934 |
| Core capital (leverage) ratio | 7.7973% | 6,610 |
| Tier 1 risk-based capital ratio | 9.6770% | 7,256 |
| Total risk-based capital ratio | 10.2220% | 7,649 |
| Memoranda: | ||
| Average total assets | $77,417,250 | 5,835 |
| Average earning assets | $66,703,250 | 5,949 |
| Average equity | $6,194,750 | 6,596 |
| Average total loans | $60,319,000 | 5,273 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6723% | 571 |
| Cost of funding earning assets | 1.8722% | 4,410 |
| Net interest margin | 4.8000% | 651 |
| Noninterest income to average assets | 0.7952% | 2,435 |
| Noninterest expense to average assets | 3.9760% | 1,357 |
| Loan and lease loss provision to assets | 0.2703% | 4,419 |
| Net operating income to assets | 0.6679% | 3,397 |
| Return on assets (ROA) | 0.6679% | 3,504 |
| Pretax return on assets | 0.6731% | 4,086 |
| Return on Equity (ROE) | 8.3140% | 2,647 |
| Retained earnings to average equity (ytd only) | -2.4910% | 5,862 |
| Net charge-offs to loans | 0.1189% | 4,970 |
| Credit loss provision to net charge-offs | 288.8889% | 1,617 |
| Earnings coverage of net charge-offs (x) | 10.0833% | 2,037 |
| Efficiency ratio | 80.8241% | 2,915 |
| Assets per employee ($millions) | 2.4477% | 7,349 |
| Cash dividends to net income (ytd only)* | 129.9611% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5526% | 7,720 |
| Loan loss allowance to noncurrent loans | 31.8182% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 1.6725% | 3,684 |
| Noncurrent loans to loans | 1.7368% | 3,906 |
| Net loans and leases to total assets | 75.5870% | 2,291 |
| Net loans and leases to deposits | 90.2859% | 2,790 |
| Net loans and leases to core deposits | 109.2787% | 3,463 |
| Total domestic deposits to total assets | 83.7195% | 3,909 |
| Equity capital to assets | 7.7840% | 6,999 |
| Core capital (leverage) ratio | 7.7417% | 6,687 |
| Tier 1 risk-based capital ratio | 9.5107% | 7,382 |
| Total risk-based capital ratio | 10.0239% | 7,834 |
| Memoranda: | ||
| Average total assets | $76,961,330 | 5,894 |
| Average earning assets | $66,124,330 | 6,001 |
| Average equity | $6,182,330 | 6,652 |
| Average total loans | $60,546,670 | 5,303 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8166% | 470 |
| Cost of funding earning assets | 1.9223% | 4,528 |
| Net interest margin | 4.8943% | 507 |
| Noninterest income to average assets | 0.7499% | 2,597 |
| Noninterest expense to average assets | 3.9487% | 1,246 |
| Loan and lease loss provision to assets | 0.0052% | 6,720 |
| Net operating income to assets | 0.9911% | 2,352 |
| Return on assets (ROA) | 0.9911% | 2,488 |
| Pretax return on assets | 1.0016% | 3,341 |
| Return on Equity (ROE) | 12.1446% | 1,615 |
| Retained earnings to average equity (ytd only) | 6.5542% | 2,398 |
| Net charge-offs to loans | 0.1638% | 3,657 |
| Credit loss provision to net charge-offs | 4.0000% | 5,229 |
| Earnings coverage of net charge-offs (x) | 7.6800% | 2,313 |
| Efficiency ratio | 79.6825% | 2,864 |
| Assets per employee ($millions) | 2.4197% | 7,424 |
| Cash dividends to net income (ytd only)* | 46.0317% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3911% | 7,956 |
| Loan loss allowance to noncurrent loans | 78.4768% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 5,261 |
| Noncurrent loans to loans | 0.4984% | 6,180 |
| Net loans and leases to total assets | 77.9559% | 1,837 |
| Net loans and leases to deposits | 93.5845% | 2,347 |
| Net loans and leases to core deposits | 114.4520% | 2,962 |
| Total domestic deposits to total assets | 83.3000% | 3,996 |
| Equity capital to assets | 8.1053% | 6,669 |
| Core capital (leverage) ratio | 8.2707% | 5,958 |
| Tier 1 risk-based capital ratio | 9.8592% | 7,075 |
| Total risk-based capital ratio | 10.2316% | 7,832 |
| Memoranda: | ||
| Average total assets | $76,278,500 | 5,937 |
| Average earning assets | $65,546,000 | 6,054 |
| Average equity | $6,225,000 | 6,680 |
| Average total loans | $61,053,000 | 5,318 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0740% | 960 |
| Cost of funding earning assets | 2.2356% | 5,435 |
| Net interest margin | 4.8384% | 721 |
| Noninterest income to average assets | 0.8403% | 2,295 |
| Noninterest expense to average assets | 4.1216% | 1,245 |
| Loan and lease loss provision to assets | 0.0244% | 7,095 |
| Net operating income to assets | 0.8837% | 3,074 |
| Return on assets (ROA) | 0.8837% | 2,913 |
| Pretax return on assets | 0.9271% | 3,633 |
| Return on Equity (ROE) | 10.9103% | 1,931 |
| Retained earnings to average equity (ytd only) | 1.1212% | 4,561 |
| Net charge-offs to loans | 0.1756% | 4,442 |
| Credit loss provision to net charge-offs | 17.3077% | 6,594 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 3,282 |
| Efficiency ratio | 81.2450% | 2,405 |
| Assets per employee ($millions) | 2.3477% | 7,491 |
| Cash dividends to net income (ytd only)* | 89.7239% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4243% | 7,952 |
| Loan loss allowance to noncurrent loans | 75.8721% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 4,751 |
| Noncurrent loans to loans | 0.5593% | 5,688 |
| Net loans and leases to total assets | 81.5244% | 1,315 |
| Net loans and leases to deposits | 100.6706% | 1,761 |
| Net loans and leases to core deposits | 124.0074% | 2,323 |
| Total domestic deposits to total assets | 80.9813% | 4,646 |
| Equity capital to assets | 8.2182% | 6,527 |
| Core capital (leverage) ratio | 8.2290% | 6,109 |
| Tier 1 risk-based capital ratio | 9.6488% | 7,147 |
| Total risk-based capital ratio | 10.0567% | 7,957 |
| Memoranda: | ||
| Average total assets | $73,781,200 | 5,918 |
| Average earning assets | $64,546,400 | 6,006 |
| Average equity | $5,976,000 | 6,817 |
| Average total loans | $59,216,000 | 5,304 |