Home > The First National Bank of Bagley > Performance and Condition Ratios
The First National Bank of Bagley, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 3,238 |
| Cost of funding earning assets | 1.1763% | 2,864 |
| Net interest margin | 3.2469% | 2,752 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.5344% | 2,207 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8136% | 2,829 |
| Return on assets (ROA) | 0.8136% | 2,807 |
| Pretax return on assets | 0.8136% | 3,178 |
| Return on Equity (ROE) | 14.4000% | 1,403 |
| Retained earnings to average equity (ytd only) | 3.7860% | 3,035 |
| Net charge-offs to loans | 0.0075% | 2,397 |
| Credit loss provision to net charge-offs | 740.0000% | 509 |
| Earnings coverage of net charge-offs (x) | 188.4000% | 610 |
| Efficiency ratio | 74.9535% | 1,354 |
| Assets per employee ($millions) | 4.7180% | 3,822 |
| Cash dividends to net income (ytd only)* | 73.7017% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 2,325 |
| Loan loss allowance to noncurrent loans | 117.8827% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.6173% | 884 |
| Noncurrent loans to loans | 1.0143% | 729 |
| Net loans and leases to total assets | 60.1300% | 2,831 |
| Net loans and leases to deposits | 64.3776% | 3,271 |
| Net loans and leases to core deposits | 68.3391% | 3,388 |
| Total domestic deposits to total assets | 93.4000% | 143 |
| Equity capital to assets | 5.8517% | 4,259 |
| Core capital (leverage) ratio | 7.9058% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8931% | 1,900 |
| Memoranda: | ||
| Average total assets | $111,230,600 | 3,734 |
| Average earning assets | $101,757,800 | 3,729 |
| Average equity | $6,286,400 | 4,133 |
| Average total loans | $67,104,400 | 3,592 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 3,285 |
| Cost of funding earning assets | 1.0672% | 2,840 |
| Net interest margin | 3.2385% | 2,828 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.5214% | 2,159 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7803% | 3,084 |
| Return on assets (ROA) | 0.7803% | 3,073 |
| Pretax return on assets | 0.7803% | 3,381 |
| Return on Equity (ROE) | 13.9300% | 1,673 |
| Retained earnings to average equity (ytd only) | 10.3628% | 1,307 |
| Net charge-offs to loans | 0.0180% | 1,775 |
| Credit loss provision to net charge-offs | 411.1111% | 709 |
| Earnings coverage of net charge-offs (x) | 76.1111% | 1,073 |
| Efficiency ratio | 75.3508% | 1,237 |
| Assets per employee ($millions) | 4.7886% | 3,747 |
| Cash dividends to net income (ytd only)* | 25.6173% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,370 |
| Loan loss allowance to noncurrent loans | 976.1905% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 2,731 |
| Noncurrent loans to loans | 0.1228% | 2,942 |
| Net loans and leases to total assets | 61.3500% | 2,721 |
| Net loans and leases to deposits | 65.7206% | 3,151 |
| Net loans and leases to core deposits | 68.0689% | 3,316 |
| Total domestic deposits to total assets | 93.3500% | 256 |
| Equity capital to assets | 5.3025% | 4,193 |
| Core capital (leverage) ratio | 8.3082% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3018% | 1,792 |
| Memoranda: | ||
| Average total assets | $110,730,000 | 3,751 |
| Average earning assets | $101,072,500 | 3,747 |
| Average equity | $6,201,500 | 4,148 |
| Average total loans | $66,652,250 | 3,610 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 3,358 |
| Cost of funding earning assets | 0.8858% | 2,972 |
| Net interest margin | 3.2834% | 2,787 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.4629% | 2,312 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8618% | 2,882 |
| Return on assets (ROA) | 0.8618% | 2,884 |
| Pretax return on assets | 0.8618% | 3,260 |
| Return on Equity (ROE) | 15.1200% | 1,449 |
| Retained earnings to average equity (ytd only) | 12.1797% | 951 |
| Net charge-offs to loans | 0.0151% | 1,632 |
| Credit loss provision to net charge-offs | 440.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 934 |
| Efficiency ratio | 73.2047% | 1,437 |
| Assets per employee ($millions) | 4.7740% | 3,772 |
| Cash dividends to net income (ytd only)* | 19.4561% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 2,550 |
| Loan loss allowance to noncurrent loans | 869.8925% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 2,620 |
| Noncurrent loans to loans | 0.1356% | 2,794 |
| Net loans and leases to total assets | 61.7500% | 2,596 |
| Net loans and leases to deposits | 68.6941% | 2,882 |
| Net loans and leases to core deposits | 70.3098% | 3,107 |
| Total domestic deposits to total assets | 89.8900% | 951 |
| Equity capital to assets | 6.0472% | 4,132 |
| Core capital (leverage) ratio | 8.2433% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0498% | 1,878 |
| Memoranda: | ||
| Average total assets | $110,927,667 | 3,760 |
| Average earning assets | $101,601,000 | 3,760 |
| Average equity | $6,322,000 | 4,160 |
| Average total loans | $66,072,333 | 3,621 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 3,355 |
| Cost of funding earning assets | 0.7207% | 2,985 |
| Net interest margin | 3.3317% | 2,791 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.4612% | 2,344 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.8898% | 2,891 |
| Return on assets (ROA) | 0.8898% | 2,843 |
| Pretax return on assets | 0.8898% | 3,269 |
| Return on Equity (ROE) | 16.1000% | 1,338 |
| Retained earnings to average equity (ytd only) | 15.2523% | 771 |
| Net charge-offs to loans | 0.0185% | 1,311 |
| Credit loss provision to net charge-offs | 333.3333% | 656 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 858 |
| Efficiency ratio | 72.6695% | 1,475 |
| Assets per employee ($millions) | 4.9670% | 3,680 |
| Cash dividends to net income (ytd only)* | 5.2419% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,448 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 3,302 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 59.1900% | 2,751 |
| Net loans and leases to deposits | 63.1983% | 3,151 |
| Net loans and leases to core deposits | 64.6301% | 3,310 |
| Total domestic deposits to total assets | 93.6500% | 209 |
| Equity capital to assets | 5.9648% | 4,215 |
| Core capital (leverage) ratio | 8.1944% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5623% | 1,773 |
| Memoranda: | ||
| Average total assets | $111,490,500 | 3,809 |
| Average earning assets | $101,570,000 | 3,804 |
| Average equity | $6,163,000 | 4,225 |
| Average total loans | $64,804,500 | 3,681 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 2,418 |
| Cost of funding earning assets | 0.3468% | 2,502 |
| Net interest margin | 3.3980% | 2,266 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.4670% | 2,216 |
| Loan and lease loss provision to assets | -0.1500% | 4,601 |
| Net operating income to assets | 1.1898% | 1,812 |
| Return on assets (ROA) | 1.1898% | 1,750 |
| Pretax return on assets | 1.1898% | 2,474 |
| Return on Equity (ROE) | 19.8900% | 492 |
| Retained earnings to average equity (ytd only) | 6.3034% | 2,533 |
| Net charge-offs to loans | 0.0745% | 900 |
| Credit loss provision to net charge-offs | -363.0435% | 4,624 |
| Earnings coverage of net charge-offs (x) | 25.1087% | 1,778 |
| Efficiency ratio | 70.3542% | 1,635 |
| Assets per employee ($millions) | 4.9438% | 3,719 |
| Cash dividends to net income (ytd only)* | 68.3056% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,365 |
| Loan loss allowance to noncurrent loans | 4,825.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 3,198 |
| Noncurrent loans to loans | 0.0249% | 3,616 |
| Net loans and leases to total assets | 55.7300% | 3,060 |
| Net loans and leases to deposits | 59.2071% | 3,380 |
| Net loans and leases to core deposits | 60.5306% | 3,476 |
| Total domestic deposits to total assets | 94.1200% | 225 |
| Equity capital to assets | 5.1079% | 4,339 |
| Core capital (leverage) ratio | 7.8153% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0757% | 1,949 |
| Memoranda: | ||
| Average total assets | $111,108,800 | 3,823 |
| Average earning assets | $102,089,400 | 3,818 |
| Average equity | $6,647,200 | 4,256 |
| Average total loans | $61,746,000 | 3,695 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6729% | 2,117 |
| Cost of funding earning assets | 0.2737% | 2,450 |
| Net interest margin | 3.3992% | 1,983 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.4395% | 2,192 |
| Loan and lease loss provision to assets | -0.2000% | 4,678 |
| Net operating income to assets | 1.2457% | 1,536 |
| Return on assets (ROA) | 1.2457% | 1,509 |
| Pretax return on assets | 1.2457% | 2,218 |
| Return on Equity (ROE) | 20.0700% | 430 |
| Retained earnings to average equity (ytd only) | 14.3694% | 423 |
| Net charge-offs to loans | 0.0959% | 643 |
| Credit loss provision to net charge-offs | -379.5455% | 4,683 |
| Earnings coverage of net charge-offs (x) | 19.6591% | 1,721 |
| Efficiency ratio | 70.0277% | 1,760 |
| Assets per employee ($millions) | 4.6752% | 3,928 |
| Cash dividends to net income (ytd only)* | 28.3915% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 2,512 |
| Loan loss allowance to noncurrent loans | 789.7959% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 3,027 |
| Noncurrent loans to loans | 0.1522% | 2,853 |
| Net loans and leases to total assets | 59.1500% | 2,589 |
| Net loans and leases to deposits | 63.3814% | 2,911 |
| Net loans and leases to core deposits | 65.5121% | 2,983 |
| Total domestic deposits to total assets | 93.3300% | 490 |
| Equity capital to assets | 5.3027% | 4,190 |
| Core capital (leverage) ratio | 8.2603% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8971% | 1,741 |
| Memoranda: | ||
| Average total assets | $110,459,250 | 3,856 |
| Average earning assets | $101,824,750 | 3,843 |
| Average equity | $6,857,000 | 4,278 |
| Average total loans | $61,148,500 | 3,726 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 1,924 |
| Cost of funding earning assets | 0.2450% | 2,333 |
| Net interest margin | 3.3270% | 1,833 |
| Noninterest income to average assets | 0.2387% | 3,741 |
| Noninterest expense to average assets | 2.3852% | 2,277 |
| Loan and lease loss provision to assets | -0.2997% | 4,722 |
| Net operating income to assets | 1.2240% | 1,354 |
| Return on assets (ROA) | 1.2240% | 1,337 |
| Pretax return on assets | 1.2240% | 1,991 |
| Return on Equity (ROE) | 18.8346% | 396 |
| Retained earnings to average equity (ytd only) | 15.5482% | 222 |
| Net charge-offs to loans | 0.1432% | 455 |
| Credit loss provision to net charge-offs | -388.3721% | 3,334 |
| Earnings coverage of net charge-offs (x) | 11.9767% | 1,718 |
| Efficiency ratio | 72.0716% | 1,726 |
| Assets per employee ($millions) | 4.8992% | 3,770 |
| Cash dividends to net income (ytd only)* | 17.4487% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,413 |
| Loan loss allowance to noncurrent loans | 1,431.4815% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,508 |
| Noncurrent loans to loans | 0.0876% | 3,337 |
| Net loans and leases to total assets | 53.9927% | 2,967 |
| Net loans and leases to deposits | 57.4825% | 3,271 |
| Net loans and leases to core deposits | 59.3046% | 3,321 |
| Total domestic deposits to total assets | 93.9289% | 292 |
| Equity capital to assets | 5.6540% | 4,318 |
| Core capital (leverage) ratio | 7.8758% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0167% | 1,701 |
| Memoranda: | ||
| Average total assets | $111,435,667 | 3,883 |
| Average earning assets | $102,854,333 | 3,883 |
| Average equity | $7,242,000 | 4,290 |
| Average total loans | $60,071,000 | 3,782 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5276% | 1,713 |
| Cost of funding earning assets | 0.2464% | 2,197 |
| Net interest margin | 3.2812% | 1,617 |
| Noninterest income to average assets | 0.2310% | 3,765 |
| Noninterest expense to average assets | 2.4041% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8555% | 2,468 |
| Return on assets (ROA) | 0.8555% | 2,458 |
| Pretax return on assets | 0.8555% | 2,923 |
| Return on Equity (ROE) | 12.3478% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.3478% | 548 |
| Net charge-offs to loans | 0.2901% | 218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.5116% | 1,597 |
| Efficiency ratio | 73.7542% | 1,772 |
| Assets per employee ($millions) | 4.6392% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 1,379 |
| Loan loss allowance to noncurrent loans | 1,107.0588% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,310 |
| Noncurrent loans to loans | 0.1409% | 3,104 |
| Net loans and leases to total assets | 53.3272% | 2,839 |
| Net loans and leases to deposits | 57.1023% | 3,168 |
| Net loans and leases to core deposits | 58.7668% | 3,254 |
| Total domestic deposits to total assets | 93.3888% | 186 |
| Equity capital to assets | 6.2241% | 4,523 |
| Core capital (leverage) ratio | 7.6465% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7778% | 1,882 |
| Memoranda: | ||
| Average total assets | $110,812,500 | 3,906 |
| Average earning assets | $102,280,000 | 3,910 |
| Average equity | $7,677,500 | 4,297 |
| Average total loans | $59,300,000 | 3,802 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3787% | 742 |
| Cost of funding earning assets | 0.2987% | 2,415 |
| Net interest margin | 4.0800% | 619 |
| Noninterest income to average assets | 0.3472% | 3,350 |
| Noninterest expense to average assets | 2.4650% | 2,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5141% | 981 |
| Return on assets (ROA) | 1.5141% | 1,020 |
| Pretax return on assets | 1.5160% | 1,667 |
| Return on Equity (ROE) | 18.6165% | 406 |
| Retained earnings to average equity (ytd only) | 8.1193% | 1,489 |
| Net charge-offs to loans | 0.0067% | 2,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 401.7500% | 327 |
| Efficiency ratio | 61.9194% | 2,882 |
| Assets per employee ($millions) | 4.4114% | 4,186 |
| Cash dividends to net income (ytd only)* | 56.3863% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6883% | 1,075 |
| Loan loss allowance to noncurrent loans | 1,822.2222% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,646 |
| Noncurrent loans to loans | 0.0926% | 3,459 |
| Net loans and leases to total assets | 51.9568% | 3,073 |
| Net loans and leases to deposits | 56.7405% | 3,358 |
| Net loans and leases to core deposits | 58.4378% | 3,441 |
| Total domestic deposits to total assets | 91.5690% | 292 |
| Equity capital to assets | 7.6394% | 4,538 |
| Core capital (leverage) ratio | 7.4294% | 4,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7960% | 1,925 |
| Memoranda: | ||
| Average total assets | $106,004,600 | 3,932 |
| Average earning assets | $94,411,800 | 3,972 |
| Average equity | $8,621,400 | 4,276 |
| Average total loans | $59,390,200 | 3,827 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6039% | 563 |
| Cost of funding earning assets | 0.3050% | 2,545 |
| Net interest margin | 4.2989% | 453 |
| Noninterest income to average assets | 0.3761% | 3,225 |
| Noninterest expense to average assets | 2.4700% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7001% | 827 |
| Return on assets (ROA) | 1.7001% | 866 |
| Pretax return on assets | 1.7026% | 1,395 |
| Return on Equity (ROE) | 20.5750% | 386 |
| Retained earnings to average equity (ytd only) | 15.2544% | 364 |
| Net charge-offs to loans | -0.0067% | 3,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1961% | 3,099 |
| Assets per employee ($millions) | 4.5420% | 4,095 |
| Cash dividends to net income (ytd only)* | 25.8595% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 1,042 |
| Loan loss allowance to noncurrent loans | 839.8305% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 3,381 |
| Noncurrent loans to loans | 0.2064% | 3,127 |
| Net loans and leases to total assets | 51.5279% | 3,247 |
| Net loans and leases to deposits | 56.4671% | 3,537 |
| Net loans and leases to core deposits | 58.1803% | 3,613 |
| Total domestic deposits to total assets | 91.2529% | 295 |
| Equity capital to assets | 8.2958% | 4,351 |
| Core capital (leverage) ratio | 7.7242% | 4,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1994% | 1,901 |
| Memoranda: | ||
| Average total assets | $104,934,750 | 3,997 |
| Average earning assets | $92,673,000 | 4,034 |
| Average equity | $8,670,500 | 4,334 |
| Average total loans | $59,666,750 | 3,872 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0886% | 297 |
| Cost of funding earning assets | 0.3185% | 2,603 |
| Net interest margin | 4.7702% | 232 |
| Noninterest income to average assets | 0.4113% | 3,053 |
| Noninterest expense to average assets | 2.4870% | 2,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0854% | 417 |
| Return on assets (ROA) | 2.0854% | 437 |
| Pretax return on assets | 2.0893% | 698 |
| Return on Equity (ROE) | 25.2740% | 183 |
| Retained earnings to average equity (ytd only) | 23.3082% | 87 |
| Net charge-offs to loans | -0.0066% | 3,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3460% | 3,758 |
| Assets per employee ($millions) | 4.5000% | 4,107 |
| Cash dividends to net income (ytd only)* | 7.7778% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 1,134 |
| Loan loss allowance to noncurrent loans | 717.3913% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 3,385 |
| Noncurrent loans to loans | 0.2322% | 3,119 |
| Net loans and leases to total assets | 54.1042% | 3,119 |
| Net loans and leases to deposits | 59.3363% | 3,442 |
| Net loans and leases to core deposits | 62.1227% | 3,450 |
| Total domestic deposits to total assets | 91.1823% | 313 |
| Equity capital to assets | 8.3501% | 4,324 |
| Core capital (leverage) ratio | 7.8425% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0786% | 1,945 |
| Memoranda: | ||
| Average total assets | $103,577,333 | 4,032 |
| Average earning assets | $90,437,000 | 4,080 |
| Average equity | $8,546,333 | 4,366 |
| Average total loans | $60,502,333 | 3,890 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 1,207 |
| Cost of funding earning assets | 0.3437% | 2,577 |
| Net interest margin | 3.8548% | 1,054 |
| Noninterest income to average assets | 0.2960% | 3,635 |
| Noninterest expense to average assets | 2.5294% | 2,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0339% | 2,699 |
| Return on assets (ROA) | 1.0339% | 2,778 |
| Pretax return on assets | 1.0418% | 3,255 |
| Return on Equity (ROE) | 12.6106% | 1,786 |
| Retained earnings to average equity (ytd only) | 12.6106% | 997 |
| Net charge-offs to loans | -0.0131% | 3,791 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8287% | 1,617 |
| Assets per employee ($millions) | 4.5539% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 1,233 |
| Loan loss allowance to noncurrent loans | 727.9412% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 3,525 |
| Noncurrent loans to loans | 0.2227% | 3,298 |
| Net loans and leases to total assets | 57.3483% | 2,872 |
| Net loans and leases to deposits | 62.6503% | 3,258 |
| Net loans and leases to core deposits | 65.4570% | 3,283 |
| Total domestic deposits to total assets | 91.5371% | 234 |
| Equity capital to assets | 7.9827% | 4,503 |
| Core capital (leverage) ratio | 7.7929% | 4,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9062% | 2,322 |
| Memoranda: | ||
| Average total assets | $101,366,500 | 4,055 |
| Average earning assets | $86,127,000 | 4,142 |
| Average equity | $8,310,500 | 4,405 |
| Average total loans | $61,042,500 | 3,897 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7404% | 828 |
| Cost of funding earning assets | 0.5264% | 2,772 |
| Net interest margin | 4.2140% | 616 |
| Noninterest income to average assets | 0.4286% | 2,967 |
| Noninterest expense to average assets | 2.8995% | 1,685 |
| Loan and lease loss provision to assets | 0.0804% | 3,370 |
| Net operating income to assets | 1.1872% | 1,592 |
| Return on assets (ROA) | 1.1872% | 1,703 |
| Pretax return on assets | 1.1883% | 2,371 |
| Return on Equity (ROE) | 13.6682% | 890 |
| Retained earnings to average equity (ytd only) | 4.9714% | 2,282 |
| Net charge-offs to loans | 0.0180% | 2,724 |
| Credit loss provision to net charge-offs | 681.8182% | 1,005 |
| Earnings coverage of net charge-offs (x) | 107.6364% | 749 |
| Efficiency ratio | 69.5630% | 2,009 |
| Assets per employee ($millions) | 4.2606% | 4,165 |
| Cash dividends to net income (ytd only)* | 63.6282% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 1,245 |
| Loan loss allowance to noncurrent loans | 695.0704% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 3,563 |
| Noncurrent loans to loans | 0.2327% | 3,364 |
| Net loans and leases to total assets | 61.2711% | 2,692 |
| Net loans and leases to deposits | 67.5936% | 3,122 |
| Net loans and leases to core deposits | 70.8619% | 3,189 |
| Total domestic deposits to total assets | 90.6464% | 321 |
| Equity capital to assets | 8.4291% | 4,493 |
| Core capital (leverage) ratio | 7.7424% | 4,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5253% | 2,437 |
| Memoranda: | ||
| Average total assets | $93,327,000 | 4,074 |
| Average earning assets | $82,819,600 | 4,120 |
| Average equity | $8,106,400 | 4,409 |
| Average total loans | $61,237,600 | 3,897 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 879 |
| Cost of funding earning assets | 0.5718% | 2,790 |
| Net interest margin | 4.2295% | 689 |
| Noninterest income to average assets | 0.4499% | 2,849 |
| Noninterest expense to average assets | 2.9238% | 1,637 |
| Loan and lease loss provision to assets | 0.1085% | 2,963 |
| Net operating income to assets | 1.1950% | 1,653 |
| Return on assets (ROA) | 1.1950% | 1,778 |
| Pretax return on assets | 1.1950% | 2,406 |
| Return on Equity (ROE) | 13.6503% | 949 |
| Retained earnings to average equity (ytd only) | 11.0392% | 570 |
| Net charge-offs to loans | 0.0087% | 2,800 |
| Credit loss provision to net charge-offs | 1,875.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 225.2500% | 456 |
| Efficiency ratio | 69.1650% | 2,014 |
| Assets per employee ($millions) | 4.2899% | 4,057 |
| Cash dividends to net income (ytd only)* | 19.1283% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 1,031 |
| Loan loss allowance to noncurrent loans | 404.0650% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 3,187 |
| Noncurrent loans to loans | 0.4023% | 2,851 |
| Net loans and leases to total assets | 60.9620% | 3,115 |
| Net loans and leases to deposits | 67.1714% | 3,536 |
| Net loans and leases to core deposits | 70.3813% | 3,600 |
| Total domestic deposits to total assets | 90.7559% | 221 |
| Equity capital to assets | 8.6715% | 4,353 |
| Core capital (leverage) ratio | 8.0207% | 4,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8924% | 2,249 |
| Memoranda: | ||
| Average total assets | $92,160,250 | 4,092 |
| Average earning assets | $82,307,750 | 4,127 |
| Average equity | $8,068,000 | 4,432 |
| Average total loans | $61,289,750 | 3,910 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 1,450 |
| Cost of funding earning assets | 0.6292% | 2,818 |
| Net interest margin | 4.0506% | 1,216 |
| Noninterest income to average assets | 0.5001% | 2,559 |
| Noninterest expense to average assets | 2.9959% | 1,580 |
| Loan and lease loss provision to assets | 0.1000% | 3,022 |
| Net operating income to assets | 1.0957% | 1,980 |
| Return on assets (ROA) | 1.0957% | 2,100 |
| Pretax return on assets | 1.0957% | 2,717 |
| Return on Equity (ROE) | 12.4726% | 1,221 |
| Retained earnings to average equity (ytd only) | 10.2968% | 738 |
| Net charge-offs to loans | 0.0065% | 2,731 |
| Credit loss provision to net charge-offs | 2,250.0000% | 439 |
| Earnings coverage of net charge-offs (x) | 269.0000% | 349 |
| Efficiency ratio | 71.4740% | 1,764 |
| Assets per employee ($millions) | 4.1187% | 4,187 |
| Cash dividends to net income (ytd only)* | 17.4442% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 1,123 |
| Loan loss allowance to noncurrent loans | 411.0638% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 3,325 |
| Noncurrent loans to loans | 0.3773% | 3,063 |
| Net loans and leases to total assets | 64.7236% | 2,788 |
| Net loans and leases to deposits | 71.4109% | 3,312 |
| Net loans and leases to core deposits | 74.7607% | 3,394 |
| Total domestic deposits to total assets | 90.6354% | 241 |
| Equity capital to assets | 8.7819% | 4,283 |
| Core capital (leverage) ratio | 8.0429% | 4,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2217% | 2,514 |
| Memoranda: | ||
| Average total assets | $89,991,000 | 4,132 |
| Average earning assets | $82,012,000 | 4,142 |
| Average equity | $7,905,333 | 4,470 |
| Average total loans | $61,338,333 | 3,916 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8857% | 1,226 |
| Cost of funding earning assets | 0.7505% | 2,664 |
| Net interest margin | 4.1352% | 1,065 |
| Noninterest income to average assets | 0.7121% | 1,607 |
| Noninterest expense to average assets | 3.1636% | 1,500 |
| Loan and lease loss provision to assets | 0.0685% | 2,898 |
| Net operating income to assets | 1.2280% | 1,437 |
| Return on assets (ROA) | 1.2280% | 1,542 |
| Pretax return on assets | 1.2280% | 2,105 |
| Return on Equity (ROE) | 13.9767% | 700 |
| Retained earnings to average equity (ytd only) | 13.9767% | 252 |
| Net charge-offs to loans | -0.0131% | 4,176 |
| Credit loss provision to net charge-offs | -750.0000% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9314% | 2,230 |
| Assets per employee ($millions) | 3.7520% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 1,160 |
| Loan loss allowance to noncurrent loans | 373.0159% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 3,283 |
| Noncurrent loans to loans | 0.4190% | 2,990 |
| Net loans and leases to total assets | 68.5988% | 2,454 |
| Net loans and leases to deposits | 76.0782% | 3,067 |
| Net loans and leases to core deposits | 80.0092% | 3,194 |
| Total domestic deposits to total assets | 90.1687% | 274 |
| Equity capital to assets | 9.2102% | 4,459 |
| Core capital (leverage) ratio | 8.4144% | 4,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5989% | 2,440 |
| Memoranda: | ||
| Average total assets | $87,622,000 | 4,163 |
| Average earning assets | $79,415,500 | 4,180 |
| Average equity | $7,698,500 | 4,523 |
| Average total loans | $60,868,500 | 3,943 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8616% | 1,867 |
| Cost of funding earning assets | 0.8340% | 2,512 |
| Net interest margin | 4.0276% | 1,761 |
| Noninterest income to average assets | 0.5333% | 2,564 |
| Noninterest expense to average assets | 2.9957% | 2,032 |
| Loan and lease loss provision to assets | 0.2133% | 937 |
| Net operating income to assets | 0.9477% | 3,023 |
| Return on assets (ROA) | 0.9510% | 3,099 |
| Pretax return on assets | 0.9555% | 3,586 |
| Return on Equity (ROE) | 11.6142% | 1,651 |
| Retained earnings to average equity (ytd only) | 3.5103% | 3,253 |
| Net charge-offs to loans | -0.0033% | 4,279 |
| Credit loss provision to net charge-offs | -9,500.0000% | 4,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9914% | 1,870 |
| Assets per employee ($millions) | 3.8673% | 4,071 |
| Cash dividends to net income (ytd only)* | 69.7757% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 1,236 |
| Loan loss allowance to noncurrent loans | 386.1925% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 3,353 |
| Noncurrent loans to loans | 0.3880% | 3,044 |
| Net loans and leases to total assets | 68.2151% | 2,651 |
| Net loans and leases to deposits | 75.3402% | 3,233 |
| Net loans and leases to core deposits | 79.3607% | 3,353 |
| Total domestic deposits to total assets | 90.5428% | 189 |
| Equity capital to assets | 8.3746% | 4,959 |
| Core capital (leverage) ratio | 7.8898% | 5,060 |
| Tier 1 risk-based capital ratio | 11.5578% | 4,599 |
| Total risk-based capital ratio | 12.8092% | 4,479 |
| Memoranda: | ||
| Average total assets | $89,061,600 | 4,160 |
| Average earning assets | $80,220,600 | 4,184 |
| Average equity | $7,292,800 | 4,604 |
| Average total loans | $61,049,600 | 3,964 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8232% | 2,049 |
| Cost of funding earning assets | 0.8294% | 2,570 |
| Net interest margin | 3.9938% | 1,961 |
| Noninterest income to average assets | 0.4580% | 2,971 |
| Noninterest expense to average assets | 2.9917% | 2,002 |
| Loan and lease loss provision to assets | 0.1347% | 1,424 |
| Net operating income to assets | 0.9234% | 3,264 |
| Return on assets (ROA) | 0.9234% | 3,335 |
| Pretax return on assets | 0.9279% | 3,799 |
| Return on Equity (ROE) | 11.3410% | 1,873 |
| Retained earnings to average equity (ytd only) | 8.9882% | 1,049 |
| Net charge-offs to loans | -0.0153% | 4,509 |
| Credit loss provision to net charge-offs | -1,285.7143% | 4,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7911% | 1,602 |
| Assets per employee ($millions) | 3.9961% | 3,911 |
| Cash dividends to net income (ytd only)* | 20.7452% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 1,774 |
| Loan loss allowance to noncurrent loans | 253.9877% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 3,087 |
| Noncurrent loans to loans | 0.5309% | 2,694 |
| Net loans and leases to total assets | 65.9094% | 3,060 |
| Net loans and leases to deposits | 72.5277% | 3,588 |
| Net loans and leases to core deposits | 76.2294% | 3,681 |
| Total domestic deposits to total assets | 90.8749% | 117 |
| Equity capital to assets | 8.3940% | 5,037 |
| Core capital (leverage) ratio | 8.1583% | 5,070 |
| Tier 1 risk-based capital ratio | 11.8747% | 4,475 |
| Total risk-based capital ratio | 13.1249% | 4,366 |
| Memoranda: | ||
| Average total assets | $89,090,000 | 4,211 |
| Average earning assets | $80,221,500 | 4,237 |
| Average equity | $7,253,750 | 4,665 |
| Average total loans | $60,912,250 | 4,009 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 2,165 |
| Cost of funding earning assets | 0.8023% | 2,631 |
| Net interest margin | 3.9665% | 2,028 |
| Noninterest income to average assets | 0.4901% | 2,733 |
| Noninterest expense to average assets | 3.0312% | 1,911 |
| Loan and lease loss provision to assets | 0.1361% | 1,362 |
| Net operating income to assets | 0.9075% | 3,252 |
| Return on assets (ROA) | 0.9075% | 3,317 |
| Pretax return on assets | 0.9121% | 3,809 |
| Return on Equity (ROE) | 11.2676% | 1,885 |
| Retained earnings to average equity (ytd only) | 9.5775% | 889 |
| Net charge-offs to loans | -0.0461% | 4,809 |
| Credit loss provision to net charge-offs | -428.5714% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3048% | 1,608 |
| Assets per employee ($millions) | 3.9054% | 3,990 |
| Cash dividends to net income (ytd only)* | 15.0000% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 1,982 |
| Loan loss allowance to noncurrent loans | 185.0575% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 2,607 |
| Noncurrent loans to loans | 0.7069% | 2,211 |
| Net loans and leases to total assets | 67.6144% | 2,873 |
| Net loans and leases to deposits | 74.3660% | 3,494 |
| Net loans and leases to core deposits | 78.0041% | 3,578 |
| Total domestic deposits to total assets | 90.9211% | 115 |
| Equity capital to assets | 8.3508% | 5,096 |
| Core capital (leverage) ratio | 8.0932% | 5,140 |
| Tier 1 risk-based capital ratio | 11.6952% | 4,577 |
| Total risk-based capital ratio | 12.9453% | 4,482 |
| Memoranda: | ||
| Average total assets | $88,149,670 | 4,249 |
| Average earning assets | $79,768,000 | 4,270 |
| Average equity | $7,100,000 | 4,713 |
| Average total loans | $60,747,670 | 4,037 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 2,160 |
| Cost of funding earning assets | 0.7758% | 2,663 |
| Net interest margin | 3.9450% | 2,044 |
| Noninterest income to average assets | 0.3848% | 3,295 |
| Noninterest expense to average assets | 2.9549% | 2,120 |
| Loan and lease loss provision to assets | 0.1374% | 1,262 |
| Net operating income to assets | 0.8567% | 3,420 |
| Return on assets (ROA) | 0.8567% | 3,463 |
| Pretax return on assets | 0.8567% | 3,902 |
| Return on Equity (ROE) | 10.8414% | 2,006 |
| Retained earnings to average equity (ytd only) | 10.8414% | 838 |
| Net charge-offs to loans | -0.1790% | 5,156 |
| Credit loss provision to net charge-offs | -111.1111% | 3,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8260% | 1,635 |
| Assets per employee ($millions) | 3.7619% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,014 |
| Loan loss allowance to noncurrent loans | 249.0506% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 2,910 |
| Noncurrent loans to loans | 0.5284% | 2,733 |
| Net loans and leases to total assets | 68.2100% | 2,733 |
| Net loans and leases to deposits | 74.9882% | 3,355 |
| Net loans and leases to core deposits | 78.7789% | 3,465 |
| Total domestic deposits to total assets | 90.9609% | 181 |
| Equity capital to assets | 8.2324% | 5,116 |
| Core capital (leverage) ratio | 8.2244% | 5,128 |
| Tier 1 risk-based capital ratio | 11.4881% | 4,752 |
| Total risk-based capital ratio | 12.7375% | 4,644 |
| Memoranda: | ||
| Average total assets | $87,312,500 | 4,309 |
| Average earning assets | $78,885,500 | 4,325 |
| Average equity | $6,899,500 | 4,772 |
| Average total loans | $60,352,000 | 4,080 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 1,792 |
| Cost of funding earning assets | 0.5297% | 3,183 |
| Net interest margin | 4.1794% | 1,451 |
| Noninterest income to average assets | 0.4617% | 3,039 |
| Noninterest expense to average assets | 3.2655% | 1,403 |
| Loan and lease loss provision to assets | 0.0696% | 2,743 |
| Net operating income to assets | 0.8770% | 3,513 |
| Return on assets (ROA) | 0.8770% | 3,505 |
| Pretax return on assets | 0.8793% | 3,950 |
| Return on Equity (ROE) | 11.3473% | 1,960 |
| Retained earnings to average equity (ytd only) | 3.6924% | 3,550 |
| Net charge-offs to loans | 0.0629% | 2,225 |
| Credit loss provision to net charge-offs | 162.1622% | 1,711 |
| Earnings coverage of net charge-offs (x) | 22.1081% | 1,916 |
| Efficiency ratio | 77.4842% | 1,183 |
| Assets per employee ($millions) | 3.8305% | 4,133 |
| Cash dividends to net income (ytd only)* | 67.4603% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,568 |
| Loan loss allowance to noncurrent loans | 401.6484% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 3,546 |
| Noncurrent loans to loans | 0.2989% | 3,492 |
| Net loans and leases to total assets | 68.2943% | 2,839 |
| Net loans and leases to deposits | 76.7890% | 3,290 |
| Net loans and leases to core deposits | 80.6909% | 3,380 |
| Total domestic deposits to total assets | 88.9377% | 888 |
| Equity capital to assets | 7.5777% | 5,272 |
| Core capital (leverage) ratio | 7.9488% | 5,255 |
| Tier 1 risk-based capital ratio | 11.0193% | 4,973 |
| Total risk-based capital ratio | 12.1786% | 4,895 |
| Memoranda: | ||
| Average total assets | $86,205,000 | 4,325 |
| Average earning assets | $77,403,800 | 4,359 |
| Average equity | $6,662,400 | 4,797 |
| Average total loans | $58,804,400 | 4,123 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 1,755 |
| Cost of funding earning assets | 0.4888% | 3,267 |
| Net interest margin | 4.1845% | 1,400 |
| Noninterest income to average assets | 0.4806% | 2,977 |
| Noninterest expense to average assets | 3.3002% | 1,301 |
| Loan and lease loss provision to assets | 0.0700% | 2,567 |
| Net operating income to assets | 0.8631% | 3,689 |
| Return on assets (ROA) | 0.8631% | 3,693 |
| Pretax return on assets | 0.8647% | 4,129 |
| Return on Equity (ROE) | 11.1125% | 2,135 |
| Retained earnings to average equity (ytd only) | 9.1102% | 1,179 |
| Net charge-offs to loans | 0.0846% | 1,665 |
| Credit loss provision to net charge-offs | 121.6216% | 1,968 |
| Earnings coverage of net charge-offs (x) | 16.2439% | 2,171 |
| Efficiency ratio | 77.9288% | 1,128 |
| Assets per employee ($millions) | 3.7961% | 4,174 |
| Cash dividends to net income (ytd only)* | 18.0181% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,653 |
| Loan loss allowance to noncurrent loans | 367.1795% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 3,577 |
| Noncurrent loans to loans | 0.3253% | 3,505 |
| Net loans and leases to total assets | 67.8414% | 2,969 |
| Net loans and leases to deposits | 75.7233% | 3,439 |
| Net loans and leases to core deposits | 78.6470% | 3,607 |
| Total domestic deposits to total assets | 89.5912% | 643 |
| Equity capital to assets | 7.7883% | 5,241 |
| Core capital (leverage) ratio | 8.2995% | 5,203 |
| Tier 1 risk-based capital ratio | 11.4930% | 4,791 |
| Total risk-based capital ratio | 12.6429% | 4,736 |
| Memoranda: | ||
| Average total assets | $85,731,000 | 4,378 |
| Average earning assets | $76,917,500 | 4,412 |
| Average equity | $6,659,000 | 4,851 |
| Average total loans | $58,280,750 | 4,178 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 1,759 |
| Cost of funding earning assets | 0.4424% | 3,408 |
| Net interest margin | 4.1647% | 1,366 |
| Noninterest income to average assets | 0.4061% | 3,442 |
| Noninterest expense to average assets | 3.3355% | 1,239 |
| Loan and lease loss provision to assets | 0.0704% | 2,475 |
| Net operating income to assets | 0.7324% | 4,098 |
| Return on assets (ROA) | 0.7324% | 4,096 |
| Pretax return on assets | 0.7347% | 4,422 |
| Return on Equity (ROE) | 9.4374% | 2,838 |
| Retained earnings to average equity (ytd only) | 7.8645% | 1,680 |
| Net charge-offs to loans | 0.0346% | 2,157 |
| Credit loss provision to net charge-offs | 300.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 34.3000% | 1,399 |
| Efficiency ratio | 80.5556% | 956 |
| Assets per employee ($millions) | 3.7680% | 4,252 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,509 |
| Loan loss allowance to noncurrent loans | 305.4622% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 2,901 |
| Noncurrent loans to loans | 0.4049% | 3,244 |
| Net loans and leases to total assets | 66.9782% | 3,014 |
| Net loans and leases to deposits | 76.0441% | 3,324 |
| Net loans and leases to core deposits | 79.0559% | 3,494 |
| Total domestic deposits to total assets | 88.0781% | 1,335 |
| Equity capital to assets | 7.6041% | 5,342 |
| Core capital (leverage) ratio | 8.1252% | 5,301 |
| Tier 1 risk-based capital ratio | 11.2677% | 4,914 |
| Total risk-based capital ratio | 12.4444% | 4,854 |
| Memoranda: | ||
| Average total assets | $85,204,330 | 4,424 |
| Average earning assets | $76,403,670 | 4,463 |
| Average equity | $6,612,000 | 4,905 |
| Average total loans | $57,724,670 | 4,226 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 1,687 |
| Cost of funding earning assets | 0.4161% | 3,472 |
| Net interest margin | 4.1448% | 1,316 |
| Noninterest income to average assets | 0.4025% | 3,450 |
| Noninterest expense to average assets | 3.2957% | 1,356 |
| Loan and lease loss provision to assets | 0.0710% | 2,342 |
| Net operating income to assets | 0.7624% | 3,865 |
| Return on assets (ROA) | 0.7624% | 3,864 |
| Pretax return on assets | 0.7624% | 4,251 |
| Return on Equity (ROE) | 9.7237% | 2,578 |
| Retained earnings to average equity (ytd only) | 9.7237% | 1,249 |
| Net charge-offs to loans | 0.0629% | 1,479 |
| Credit loss provision to net charge-offs | 166.6667% | 1,159 |
| Earnings coverage of net charge-offs (x) | 19.5556% | 1,500 |
| Efficiency ratio | 79.8165% | 1,162 |
| Assets per employee ($millions) | 3.6419% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,510 |
| Loan loss allowance to noncurrent loans | 214.7590% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 3,246 |
| Noncurrent loans to loans | 0.5829% | 2,793 |
| Net loans and leases to total assets | 67.1490% | 2,871 |
| Net loans and leases to deposits | 76.4752% | 3,162 |
| Net loans and leases to core deposits | 79.6212% | 3,353 |
| Total domestic deposits to total assets | 87.8049% | 1,731 |
| Equity capital to assets | 7.7827% | 5,339 |
| Core capital (leverage) ratio | 8.1502% | 5,343 |
| Tier 1 risk-based capital ratio | 11.4766% | 4,871 |
| Total risk-based capital ratio | 12.6689% | 4,806 |
| Memoranda: | ||
| Average total assets | $84,474,500 | 4,487 |
| Average earning assets | $75,951,500 | 4,524 |
| Average equity | $6,623,000 | 4,956 |
| Average total loans | $57,200,500 | 4,279 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5504% | 1,560 |
| Cost of funding earning assets | 0.3417% | 3,784 |
| Net interest margin | 4.2087% | 1,175 |
| Noninterest income to average assets | 0.4143% | 3,538 |
| Noninterest expense to average assets | 3.3147% | 1,351 |
| Loan and lease loss provision to assets | 0.0708% | 2,788 |
| Net operating income to assets | 0.7779% | 3,259 |
| Return on assets (ROA) | 0.7779% | 3,299 |
| Pretax return on assets | 0.7803% | 4,302 |
| Return on Equity (ROE) | 9.8244% | 1,968 |
| Retained earnings to average equity (ytd only) | 3.2052% | 3,388 |
| Net charge-offs to loans | 0.0109% | 3,708 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 120.1667% | 561 |
| Efficiency ratio | 79.5693% | 1,148 |
| Assets per employee ($millions) | 3.7037% | 4,427 |
| Cash dividends to net income (ytd only)* | 67.3748% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,595 |
| Loan loss allowance to noncurrent loans | 113.8486% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 2,144 |
| Noncurrent loans to loans | 1.0811% | 1,645 |
| Net loans and leases to total assets | 66.6013% | 3,016 |
| Net loans and leases to deposits | 75.1935% | 3,414 |
| Net loans and leases to core deposits | 78.2034% | 3,573 |
| Total domestic deposits to total assets | 88.5732% | 1,211 |
| Equity capital to assets | 7.8968% | 5,426 |
| Core capital (leverage) ratio | 7.8952% | 5,480 |
| Tier 1 risk-based capital ratio | 11.0905% | 5,093 |
| Total risk-based capital ratio | 12.2605% | 5,021 |
| Memoranda: | ||
| Average total assets | $84,712,600 | 4,503 |
| Average earning assets | $75,510,000 | 4,552 |
| Average equity | $6,707,800 | 4,993 |
| Average total loans | $55,274,800 | 4,317 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5223% | 1,580 |
| Cost of funding earning assets | 0.3364% | 3,806 |
| Net interest margin | 4.1859% | 1,185 |
| Noninterest income to average assets | 0.4161% | 3,582 |
| Noninterest expense to average assets | 3.3035% | 1,337 |
| Loan and lease loss provision to assets | 0.0725% | 2,625 |
| Net operating income to assets | 0.7644% | 3,671 |
| Return on assets (ROA) | 0.7644% | 3,732 |
| Pretax return on assets | 0.7660% | 4,438 |
| Return on Equity (ROE) | 9.6472% | 2,282 |
| Retained earnings to average equity (ytd only) | 7.7376% | 1,327 |
| Net charge-offs to loans | 0.0073% | 3,474 |
| Credit loss provision to net charge-offs | 1,533.3333% | 246 |
| Earnings coverage of net charge-offs (x) | 177.3300% | 482 |
| Efficiency ratio | 79.7565% | 1,134 |
| Assets per employee ($millions) | 3.7458% | 4,384 |
| Cash dividends to net income (ytd only)* | 19.7943% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,781 |
| Loan loss allowance to noncurrent loans | 378.2609% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 4,223 |
| Noncurrent loans to loans | 0.3236% | 3,786 |
| Net loans and leases to total assets | 65.1984% | 3,216 |
| Net loans and leases to deposits | 73.5011% | 3,621 |
| Net loans and leases to core deposits | 76.3982% | 3,773 |
| Total domestic deposits to total assets | 88.7039% | 1,012 |
| Equity capital to assets | 8.0983% | 5,483 |
| Core capital (leverage) ratio | 8.1342% | 5,457 |
| Tier 1 risk-based capital ratio | 11.4892% | 4,966 |
| Total risk-based capital ratio | 12.6520% | 4,898 |
| Memoranda: | ||
| Average total assets | $84,594,250 | 4,549 |
| Average earning assets | $75,298,250 | 4,601 |
| Average equity | $6,703,000 | 5,051 |
| Average total loans | $54,733,000 | 4,369 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 1,559 |
| Cost of funding earning assets | 0.3342% | 3,754 |
| Net interest margin | 4.1498% | 1,207 |
| Noninterest income to average assets | 0.4115% | 3,616 |
| Noninterest expense to average assets | 3.3114% | 1,352 |
| Loan and lease loss provision to assets | 0.0714% | 2,545 |
| Net operating income to assets | 0.7184% | 3,759 |
| Return on assets (ROA) | 0.7184% | 3,827 |
| Pretax return on assets | 0.7208% | 4,493 |
| Return on Equity (ROE) | 9.1354% | 2,445 |
| Retained earnings to average equity (ytd only) | 7.7439% | 1,260 |
| Net charge-offs to loans | 0.0074% | 3,188 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 166.5000% | 464 |
| Efficiency ratio | 80.6957% | 1,136 |
| Assets per employee ($millions) | 3.6730% | 4,476 |
| Cash dividends to net income (ytd only)* | 15.2318% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 2,798 |
| Loan loss allowance to noncurrent loans | 356.5445% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 4,243 |
| Noncurrent loans to loans | 0.3462% | 3,798 |
| Net loans and leases to total assets | 64.4934% | 3,314 |
| Net loans and leases to deposits | 73.6221% | 3,585 |
| Net loans and leases to core deposits | 76.6193% | 3,718 |
| Total domestic deposits to total assets | 87.6006% | 1,661 |
| Equity capital to assets | 8.1108% | 5,483 |
| Core capital (leverage) ratio | 7.9731% | 5,543 |
| Tier 1 risk-based capital ratio | 11.6141% | 4,886 |
| Total risk-based capital ratio | 12.7873% | 4,830 |
| Memoranda: | ||
| Average total assets | $84,074,330 | 4,592 |
| Average earning assets | $74,798,330 | 4,642 |
| Average equity | $6,611,670 | 5,088 |
| Average total loans | $54,021,670 | 4,420 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 1,495 |
| Cost of funding earning assets | 0.3325% | 3,725 |
| Net interest margin | 4.1187% | 1,175 |
| Noninterest income to average assets | 0.4102% | 3,587 |
| Noninterest expense to average assets | 3.3194% | 1,348 |
| Loan and lease loss provision to assets | 0.0715% | 2,374 |
| Net operating income to assets | 0.6820% | 3,781 |
| Return on assets (ROA) | 0.6820% | 3,820 |
| Pretax return on assets | 0.6820% | 4,499 |
| Return on Equity (ROE) | 8.8115% | 2,503 |
| Retained earnings to average equity (ytd only) | 8.8115% | 1,139 |
| Net charge-offs to loans | 0.0374% | 2,047 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 31.6000% | 1,185 |
| Efficiency ratio | 81.4988% | 1,204 |
| Assets per employee ($millions) | 3.6460% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 3,005 |
| Loan loss allowance to noncurrent loans | 370.3911% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 4,365 |
| Noncurrent loans to loans | 0.3296% | 3,934 |
| Net loans and leases to total assets | 63.9815% | 3,283 |
| Net loans and leases to deposits | 72.8259% | 3,530 |
| Net loans and leases to core deposits | 75.7993% | 3,672 |
| Total domestic deposits to total assets | 87.8555% | 1,797 |
| Equity capital to assets | 7.8658% | 5,580 |
| Core capital (leverage) ratio | 8.0162% | 5,555 |
| Tier 1 risk-based capital ratio | 11.3722% | 5,106 |
| Total risk-based capital ratio | 12.5094% | 5,069 |
| Memoranda: | ||
| Average total assets | $83,871,500 | 4,639 |
| Average earning assets | $74,587,000 | 4,687 |
| Average equity | $6,491,500 | 5,157 |
| Average total loans | $53,450,000 | 4,470 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 1,556 |
| Cost of funding earning assets | 0.3335% | 3,711 |
| Net interest margin | 4.1587% | 1,217 |
| Noninterest income to average assets | 0.4244% | 3,716 |
| Noninterest expense to average assets | 3.2162% | 1,750 |
| Loan and lease loss provision to assets | 0.0834% | 2,690 |
| Net operating income to assets | 0.8535% | 3,055 |
| Return on assets (ROA) | 0.8535% | 3,159 |
| Pretax return on assets | 0.8559% | 3,990 |
| Return on Equity (ROE) | 10.5025% | 1,764 |
| Retained earnings to average equity (ytd only) | 3.9898% | 3,080 |
| Net charge-offs to loans | -0.0193% | 5,118 |
| Credit loss provision to net charge-offs | -700.0000% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3953% | 1,791 |
| Assets per employee ($millions) | 3.6472% | 4,546 |
| Cash dividends to net income (ytd only)* | 62.0112% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,865 |
| Loan loss allowance to noncurrent loans | 288.9381% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 4,209 |
| Noncurrent loans to loans | 0.4298% | 3,603 |
| Net loans and leases to total assets | 61.9066% | 3,621 |
| Net loans and leases to deposits | 67.7199% | 4,104 |
| Net loans and leases to core deposits | 70.3691% | 4,210 |
| Total domestic deposits to total assets | 91.4157% | 179 |
| Equity capital to assets | 7.6139% | 5,688 |
| Core capital (leverage) ratio | 7.5244% | 5,744 |
| Tier 1 risk-based capital ratio | 11.5221% | 5,046 |
| Total risk-based capital ratio | 12.6821% | 4,997 |
| Memoranda: | ||
| Average total assets | $83,888,000 | 4,654 |
| Average earning assets | $75,263,600 | 4,699 |
| Average equity | $6,817,400 | 5,131 |
| Average total loans | $51,682,000 | 4,529 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,577 |
| Cost of funding earning assets | 0.3384% | 3,671 |
| Net interest margin | 4.1510% | 1,251 |
| Noninterest income to average assets | 0.4228% | 3,746 |
| Noninterest expense to average assets | 3.2089% | 1,753 |
| Loan and lease loss provision to assets | 0.0874% | 2,483 |
| Net operating income to assets | 0.8487% | 3,159 |
| Return on assets (ROA) | 0.8487% | 3,279 |
| Pretax return on assets | 0.8503% | 4,155 |
| Return on Equity (ROE) | 10.2813% | 1,938 |
| Retained earnings to average equity (ytd only) | 8.1057% | 1,134 |
| Net charge-offs to loans | -0.0259% | 5,101 |
| Credit loss provision to net charge-offs | -550.0000% | 5,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3860% | 1,780 |
| Assets per employee ($millions) | 3.7274% | 4,426 |
| Cash dividends to net income (ytd only)* | 21.1607% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 3,329 |
| Loan loss allowance to noncurrent loans | 229.4964% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 4,105 |
| Noncurrent loans to loans | 0.5169% | 3,445 |
| Net loans and leases to total assets | 61.9951% | 3,637 |
| Net loans and leases to deposits | 68.0577% | 4,143 |
| Net loans and leases to core deposits | 70.6656% | 4,274 |
| Total domestic deposits to total assets | 91.0919% | 170 |
| Equity capital to assets | 8.2176% | 5,665 |
| Core capital (leverage) ratio | 7.8221% | 5,753 |
| Tier 1 risk-based capital ratio | 11.5411% | 5,062 |
| Total risk-based capital ratio | 12.6509% | 5,050 |
| Memoranda: | ||
| Average total assets | $83,888,500 | 4,686 |
| Average earning assets | $75,257,250 | 4,734 |
| Average equity | $6,925,000 | 5,158 |
| Average total loans | $51,456,500 | 4,572 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 1,575 |
| Cost of funding earning assets | 0.3313% | 3,780 |
| Net interest margin | 4.1499% | 1,231 |
| Noninterest income to average assets | 0.4083% | 3,814 |
| Noninterest expense to average assets | 3.1943% | 1,821 |
| Loan and lease loss provision to assets | 0.0961% | 2,235 |
| Net operating income to assets | 0.8454% | 3,113 |
| Return on assets (ROA) | 0.8454% | 3,244 |
| Pretax return on assets | 0.8478% | 4,129 |
| Return on Equity (ROE) | 10.2251% | 1,959 |
| Retained earnings to average equity (ytd only) | 8.6275% | 960 |
| Net charge-offs to loans | -0.0355% | 5,209 |
| Credit loss provision to net charge-offs | -444.4444% | 4,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1909% | 1,898 |
| Assets per employee ($millions) | 3.6346% | 4,538 |
| Cash dividends to net income (ytd only)* | 15.6250% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 3,351 |
| Loan loss allowance to noncurrent loans | 223.7410% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 4,170 |
| Noncurrent loans to loans | 0.5368% | 3,469 |
| Net loans and leases to total assets | 61.2063% | 3,727 |
| Net loans and leases to deposits | 69.7179% | 4,006 |
| Net loans and leases to core deposits | 72.5635% | 4,124 |
| Total domestic deposits to total assets | 87.7913% | 1,535 |
| Equity capital to assets | 8.5255% | 5,581 |
| Core capital (leverage) ratio | 7.7994% | 5,819 |
| Tier 1 risk-based capital ratio | 11.5041% | 5,151 |
| Total risk-based capital ratio | 12.6031% | 5,143 |
| Memoranda: | ||
| Average total assets | $83,274,330 | 4,736 |
| Average earning assets | $74,845,670 | 4,788 |
| Average equity | $6,885,000 | 5,217 |
| Average total loans | $50,679,670 | 4,619 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4671% | 1,604 |
| Cost of funding earning assets | 0.3378% | 3,746 |
| Net interest margin | 4.1292% | 1,264 |
| Noninterest income to average assets | 0.3898% | 3,904 |
| Noninterest expense to average assets | 3.1427% | 1,974 |
| Loan and lease loss provision to assets | 0.1203% | 1,753 |
| Net operating income to assets | 0.8326% | 3,076 |
| Return on assets (ROA) | 0.8326% | 3,208 |
| Pretax return on assets | 0.8326% | 4,093 |
| Return on Equity (ROE) | 10.2306% | 1,885 |
| Retained earnings to average equity (ytd only) | 10.2306% | 798 |
| Net charge-offs to loans | -0.0638% | 5,451 |
| Credit loss provision to net charge-offs | -312.5000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7333% | 2,077 |
| Assets per employee ($millions) | 3.5946% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 3,463 |
| Loan loss allowance to noncurrent loans | 232.1839% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 4,303 |
| Noncurrent loans to loans | 0.5178% | 3,632 |
| Net loans and leases to total assets | 60.2347% | 3,739 |
| Net loans and leases to deposits | 68.5285% | 4,000 |
| Net loans and leases to core deposits | 71.3606% | 4,117 |
| Total domestic deposits to total assets | 87.8972% | 1,696 |
| Equity capital to assets | 8.3871% | 5,648 |
| Core capital (leverage) ratio | 7.7097% | 5,873 |
| Tier 1 risk-based capital ratio | 11.5519% | 5,203 |
| Total risk-based capital ratio | 12.6481% | 5,188 |
| Memoranda: | ||
| Average total assets | $83,113,500 | 4,782 |
| Average earning assets | $74,590,000 | 4,834 |
| Average equity | $6,764,000 | 5,273 |
| Average total loans | $50,125,500 | 4,670 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 1,899 |
| Cost of funding earning assets | 0.3430% | 3,763 |
| Net interest margin | 4.0578% | 1,539 |
| Noninterest income to average assets | 0.4372% | 3,767 |
| Noninterest expense to average assets | 3.1580% | 2,069 |
| Loan and lease loss provision to assets | 0.1465% | 1,614 |
| Net operating income to assets | 0.7425% | 3,610 |
| Return on assets (ROA) | 0.7425% | 3,706 |
| Pretax return on assets | 0.7449% | 4,383 |
| Return on Equity (ROE) | 9.0809% | 2,418 |
| Retained earnings to average equity (ytd only) | 2.3598% | 4,377 |
| Net charge-offs to loans | 0.0294% | 3,629 |
| Credit loss provision to net charge-offs | 857.1429% | 396 |
| Earnings coverage of net charge-offs (x) | 52.1429% | 969 |
| Efficiency ratio | 77.9855% | 1,972 |
| Assets per employee ($millions) | 3.6327% | 4,589 |
| Cash dividends to net income (ytd only)* | 74.0132% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 3,756 |
| Loan loss allowance to noncurrent loans | 156.1308% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 3,856 |
| Noncurrent loans to loans | 0.7363% | 2,969 |
| Net loans and leases to total assets | 58.9729% | 3,975 |
| Net loans and leases to deposits | 64.7962% | 4,411 |
| Net loans and leases to core deposits | 67.3423% | 4,488 |
| Total domestic deposits to total assets | 91.0128% | 277 |
| Equity capital to assets | 7.8921% | 5,891 |
| Core capital (leverage) ratio | 7.3678% | 6,000 |
| Tier 1 risk-based capital ratio | 11.3367% | 5,356 |
| Total risk-based capital ratio | 12.3821% | 5,356 |
| Memoranda: | ||
| Average total assets | $81,886,600 | 4,829 |
| Average earning assets | $72,896,600 | 4,879 |
| Average equity | $6,695,400 | 5,300 |
| Average total loans | $47,543,400 | 4,740 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 1,936 |
| Cost of funding earning assets | 0.3427% | 3,833 |
| Net interest margin | 4.0518% | 1,555 |
| Noninterest income to average assets | 0.4435% | 3,765 |
| Noninterest expense to average assets | 3.1422% | 2,106 |
| Loan and lease loss provision to assets | 0.1473% | 1,480 |
| Net operating income to assets | 0.7512% | 3,676 |
| Return on assets (ROA) | 0.7512% | 3,770 |
| Pretax return on assets | 0.7528% | 4,481 |
| Return on Equity (ROE) | 9.1058% | 2,524 |
| Retained earnings to average equity (ytd only) | 7.3205% | 1,539 |
| Net charge-offs to loans | 0.0142% | 3,678 |
| Credit loss provision to net charge-offs | 1,800.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 109.9430% | 576 |
| Efficiency ratio | 77.7328% | 1,982 |
| Assets per employee ($millions) | 3.5737% | 4,664 |
| Cash dividends to net income (ytd only)* | 19.6085% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 4,040 |
| Loan loss allowance to noncurrent loans | 114.2857% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 3,521 |
| Noncurrent loans to loans | 0.9919% | 2,510 |
| Net loans and leases to total assets | 58.5729% | 4,072 |
| Net loans and leases to deposits | 64.4429% | 4,521 |
| Net loans and leases to core deposits | 67.0193% | 4,622 |
| Total domestic deposits to total assets | 90.8912% | 276 |
| Equity capital to assets | 8.3484% | 5,802 |
| Core capital (leverage) ratio | 7.9002% | 5,947 |
| Tier 1 risk-based capital ratio | 11.8009% | 5,200 |
| Total risk-based capital ratio | 12.8148% | 5,265 |
| Memoranda: | ||
| Average total assets | $81,470,250 | 4,890 |
| Average earning assets | $72,360,500 | 4,946 |
| Average equity | $6,720,750 | 5,363 |
| Average total loans | $46,967,750 | 4,811 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3413% | 2,040 |
| Cost of funding earning assets | 0.3429% | 3,887 |
| Net interest margin | 3.9984% | 1,640 |
| Noninterest income to average assets | 0.4407% | 3,770 |
| Noninterest expense to average assets | 3.1541% | 2,109 |
| Loan and lease loss provision to assets | 0.1477% | 1,450 |
| Net operating income to assets | 0.6968% | 3,905 |
| Return on assets (ROA) | 0.6968% | 4,023 |
| Pretax return on assets | 0.6993% | 4,652 |
| Return on Equity (ROE) | 8.4811% | 2,805 |
| Retained earnings to average equity (ytd only) | 7.2224% | 1,608 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8308% | 1,942 |
| Assets per employee ($millions) | 3.4946% | 4,798 |
| Cash dividends to net income (ytd only)* | 14.8410% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 4,279 |
| Loan loss allowance to noncurrent loans | 127.6029% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 3,902 |
| Noncurrent loans to loans | 0.8686% | 2,955 |
| Net loans and leases to total assets | 58.5025% | 4,038 |
| Net loans and leases to deposits | 64.3749% | 4,500 |
| Net loans and leases to core deposits | 67.0010% | 4,571 |
| Total domestic deposits to total assets | 90.8779% | 329 |
| Equity capital to assets | 8.3607% | 5,790 |
| Core capital (leverage) ratio | 7.7232% | 6,033 |
| Tier 1 risk-based capital ratio | 12.0995% | 5,078 |
| Total risk-based capital ratio | 13.1123% | 5,139 |
| Memoranda: | ||
| Average total assets | $81,228,670 | 4,949 |
| Average earning assets | $72,328,670 | 4,995 |
| Average equity | $6,673,670 | 5,418 |
| Average total loans | $46,391,670 | 4,879 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2049% | 2,439 |
| Cost of funding earning assets | 0.3357% | 4,028 |
| Net interest margin | 3.8691% | 2,002 |
| Noninterest income to average assets | 0.4164% | 3,870 |
| Noninterest expense to average assets | 3.0715% | 2,361 |
| Loan and lease loss provision to assets | 0.1470% | 1,380 |
| Net operating income to assets | 0.6417% | 4,080 |
| Return on assets (ROA) | 0.6417% | 4,198 |
| Pretax return on assets | 0.6417% | 4,792 |
| Return on Equity (ROE) | 7.8791% | 3,016 |
| Retained earnings to average equity (ytd only) | 7.8791% | 1,612 |
| Net charge-offs to loans | 0.0087% | 3,037 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 340 |
| Efficiency ratio | 79.5685% | 1,948 |
| Assets per employee ($millions) | 3.4967% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 4,616 |
| Loan loss allowance to noncurrent loans | 108.5339% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 3,776 |
| Noncurrent loans to loans | 0.9950% | 2,774 |
| Net loans and leases to total assets | 56.4950% | 4,151 |
| Net loans and leases to deposits | 62.1810% | 4,561 |
| Net loans and leases to core deposits | 64.7148% | 4,635 |
| Total domestic deposits to total assets | 90.8558% | 415 |
| Equity capital to assets | 8.3894% | 5,815 |
| Core capital (leverage) ratio | 7.8112% | 6,028 |
| Tier 1 risk-based capital ratio | 12.2229% | 5,093 |
| Total risk-based capital ratio | 13.2028% | 5,162 |
| Memoranda: | ||
| Average total assets | $81,655,000 | 4,996 |
| Average earning assets | $72,677,500 | 5,039 |
| Average equity | $6,650,500 | 5,472 |
| Average total loans | $45,813,000 | 4,926 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 1,832 |
| Cost of funding earning assets | 0.3751% | 3,975 |
| Net interest margin | 4.1343% | 1,475 |
| Noninterest income to average assets | 0.4887% | 3,595 |
| Noninterest expense to average assets | 3.3458% | 1,810 |
| Loan and lease loss provision to assets | 0.1284% | 2,042 |
| Net operating income to assets | 0.6669% | 4,053 |
| Return on assets (ROA) | 0.6669% | 4,152 |
| Pretax return on assets | 0.6694% | 4,728 |
| Return on Equity (ROE) | 8.0073% | 3,134 |
| Retained earnings to average equity (ytd only) | 1.6015% | 5,022 |
| Net charge-offs to loans | 0.4254% | 997 |
| Credit loss provision to net charge-offs | 53.0928% | 3,421 |
| Earnings coverage of net charge-offs (x) | 3.2990% | 3,927 |
| Efficiency ratio | 80.7461% | 1,812 |
| Assets per employee ($millions) | 3.6038% | 4,710 |
| Cash dividends to net income (ytd only)* | 80.0000% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 4,938 |
| Loan loss allowance to noncurrent loans | 71.5161% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7878% | 3,234 |
| Noncurrent loans to loans | 1.4290% | 2,058 |
| Net loans and leases to total assets | 54.5659% | 4,505 |
| Net loans and leases to deposits | 59.9936% | 4,900 |
| Net loans and leases to core deposits | 62.3525% | 4,975 |
| Total domestic deposits to total assets | 90.9527% | 385 |
| Equity capital to assets | 7.9072% | 6,104 |
| Core capital (leverage) ratio | 7.3466% | 6,250 |
| Tier 1 risk-based capital ratio | 12.2768% | 5,174 |
| Total risk-based capital ratio | 13.2235% | 5,281 |
| Memoranda: | ||
| Average total assets | $80,218,800 | 5,054 |
| Average earning assets | $70,919,200 | 5,104 |
| Average equity | $6,681,400 | 5,486 |
| Average total loans | $45,601,000 | 4,973 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5403% | 1,732 |
| Cost of funding earning assets | 0.3746% | 4,079 |
| Net interest margin | 4.1657% | 1,387 |
| Noninterest income to average assets | 0.5162% | 3,436 |
| Noninterest expense to average assets | 3.4442% | 1,576 |
| Loan and lease loss provision to assets | 0.1223% | 2,038 |
| Net operating income to assets | 0.6201% | 4,354 |
| Return on assets (ROA) | 0.6201% | 4,445 |
| Pretax return on assets | 0.6218% | 4,961 |
| Return on Equity (ROE) | 7.3485% | 3,528 |
| Retained earnings to average equity (ytd only) | 5.7795% | 2,548 |
| Net charge-offs to loans | 0.5587% | 679 |
| Credit loss provision to net charge-offs | 38.2199% | 3,317 |
| Earnings coverage of net charge-offs (x) | 2.3246% | 3,944 |
| Efficiency ratio | 82.2329% | 1,588 |
| Assets per employee ($millions) | 3.5310% | 4,802 |
| Cash dividends to net income (ytd only)* | 21.3513% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 5,504 |
| Loan loss allowance to noncurrent loans | 70.6260% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 0.7917% | 3,448 |
| Noncurrent loans to loans | 1.3148% | 2,455 |
| Net loans and leases to total assets | 57.8023% | 4,105 |
| Net loans and leases to deposits | 65.5153% | 4,385 |
| Net loans and leases to core deposits | 68.2281% | 4,488 |
| Total domestic deposits to total assets | 88.2273% | 1,643 |
| Equity capital to assets | 8.3632% | 5,899 |
| Core capital (leverage) ratio | 7.7742% | 6,179 |
| Tier 1 risk-based capital ratio | 12.1863% | 5,376 |
| Total risk-based capital ratio | 13.0456% | 5,534 |
| Memoranda: | ||
| Average total assets | $79,551,750 | 5,132 |
| Average earning assets | $70,126,000 | 5,174 |
| Average equity | $6,713,250 | 5,531 |
| Average total loans | $45,577,500 | 5,021 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 1,888 |
| Cost of funding earning assets | 0.3731% | 4,173 |
| Net interest margin | 4.1099% | 1,479 |
| Noninterest income to average assets | 0.4785% | 3,644 |
| Noninterest expense to average assets | 3.4026% | 1,674 |
| Loan and lease loss provision to assets | 0.0760% | 2,754 |
| Net operating income to assets | 0.6228% | 4,234 |
| Return on assets (ROA) | 0.6228% | 4,333 |
| Pretax return on assets | 0.6253% | 4,870 |
| Return on Equity (ROE) | 7.3576% | 3,439 |
| Retained earnings to average equity (ytd only) | 6.3108% | 2,150 |
| Net charge-offs to loans | 0.8138% | 468 |
| Credit loss provision to net charge-offs | 16.3934% | 3,240 |
| Earnings coverage of net charge-offs (x) | 1.5137% | 3,789 |
| Efficiency ratio | 82.9118% | 1,642 |
| Assets per employee ($millions) | 3.4453% | 4,958 |
| Cash dividends to net income (ytd only)* | 14.2276% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 5,819 |
| Loan loss allowance to noncurrent loans | 61.5502% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 0.9301% | 3,220 |
| Noncurrent loans to loans | 1.4087% | 2,444 |
| Net loans and leases to total assets | 58.4344% | 3,930 |
| Net loans and leases to deposits | 64.5424% | 4,435 |
| Net loans and leases to core deposits | 67.2037% | 4,532 |
| Total domestic deposits to total assets | 90.5365% | 575 |
| Equity capital to assets | 8.5738% | 5,739 |
| Core capital (leverage) ratio | 7.7726% | 6,223 |
| Tier 1 risk-based capital ratio | 12.3353% | 5,340 |
| Total risk-based capital ratio | 13.1463% | 5,519 |
| Memoranda: | ||
| Average total assets | $78,998,000 | 5,181 |
| Average earning assets | $69,685,000 | 5,226 |
| Average equity | $6,687,000 | 5,563 |
| Average total loans | $44,975,670 | 5,078 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4520% | 1,953 |
| Cost of funding earning assets | 0.3753% | 4,249 |
| Net interest margin | 4.0766% | 1,527 |
| Noninterest income to average assets | 0.5223% | 3,251 |
| Noninterest expense to average assets | 3.4738% | 1,538 |
| Loan and lease loss provision to assets | 0.0761% | 2,621 |
| Net operating income to assets | 0.5477% | 4,466 |
| Return on assets (ROA) | 0.5477% | 4,537 |
| Pretax return on assets | 0.5528% | 5,000 |
| Return on Equity (ROE) | 6.5124% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.5124% | 2,276 |
| Net charge-offs to loans | 0.0272% | 3,030 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 41.3333% | 859 |
| Efficiency ratio | 84.6724% | 1,593 |
| Assets per employee ($millions) | 3.3832% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 4,243 |
| Loan loss allowance to noncurrent loans | 110.0386% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.7454% | 3,888 |
| Noncurrent loans to loans | 1.1601% | 3,109 |
| Net loans and leases to total assets | 56.6512% | 4,058 |
| Net loans and leases to deposits | 62.6120% | 4,481 |
| Net loans and leases to core deposits | 65.2419% | 4,575 |
| Total domestic deposits to total assets | 90.4797% | 809 |
| Equity capital to assets | 8.5808% | 5,569 |
| Core capital (leverage) ratio | 7.7529% | 6,244 |
| Tier 1 risk-based capital ratio | 12.7165% | 5,179 |
| Total risk-based capital ratio | 13.9130% | 5,147 |
| Memoranda: | ||
| Average total assets | $78,876,500 | 5,229 |
| Average earning assets | $69,273,000 | 5,286 |
| Average equity | $6,633,500 | 5,610 |
| Average total loans | $44,109,000 | 5,158 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 1,772 |
| Cost of funding earning assets | 0.4455% | 4,155 |
| Net interest margin | 4.1855% | 1,398 |
| Noninterest income to average assets | 0.5484% | 3,414 |
| Noninterest expense to average assets | 3.3234% | 2,079 |
| Loan and lease loss provision to assets | 0.0756% | 3,592 |
| Net operating income to assets | 0.7829% | 3,378 |
| Return on assets (ROA) | 0.7829% | 3,485 |
| Pretax return on assets | 0.7855% | 4,203 |
| Return on Equity (ROE) | 9.0138% | 2,530 |
| Retained earnings to average equity (ytd only) | 2.6272% | 4,383 |
| Net charge-offs to loans | 0.0409% | 4,655 |
| Credit loss provision to net charge-offs | 352.9412% | 645 |
| Earnings coverage of net charge-offs (x) | 40.1765% | 945 |
| Efficiency ratio | 79.4215% | 2,253 |
| Assets per employee ($millions) | 3.4757% | 4,950 |
| Cash dividends to net income (ytd only)* | 70.8535% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 4,236 |
| Loan loss allowance to noncurrent loans | 108.3495% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 4,078 |
| Noncurrent loans to loans | 1.1821% | 3,179 |
| Net loans and leases to total assets | 53.8004% | 4,607 |
| Net loans and leases to deposits | 59.3877% | 4,990 |
| Net loans and leases to core deposits | 61.8029% | 5,080 |
| Total domestic deposits to total assets | 90.5917% | 754 |
| Equity capital to assets | 8.2437% | 5,830 |
| Core capital (leverage) ratio | 7.4732% | 6,383 |
| Tier 1 risk-based capital ratio | 12.5066% | 5,285 |
| Total risk-based capital ratio | 13.6797% | 5,278 |
| Memoranda: | ||
| Average total assets | $79,317,200 | 5,252 |
| Average earning assets | $68,903,800 | 5,330 |
| Average equity | $6,889,400 | 5,599 |
| Average total loans | $41,531,000 | 5,285 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6644% | 1,701 |
| Cost of funding earning assets | 0.4571% | 4,190 |
| Net interest margin | 4.2073% | 1,308 |
| Noninterest income to average assets | 0.5524% | 3,436 |
| Noninterest expense to average assets | 3.3416% | 1,974 |
| Loan and lease loss provision to assets | 0.0758% | 3,539 |
| Net operating income to assets | 0.7748% | 3,486 |
| Return on assets (ROA) | 0.7748% | 3,614 |
| Pretax return on assets | 0.7781% | 4,389 |
| Return on Equity (ROE) | 8.8067% | 2,736 |
| Retained earnings to average equity (ytd only) | 7.0645% | 1,841 |
| Net charge-offs to loans | 0.0358% | 4,423 |
| Credit loss provision to net charge-offs | 409.0909% | 652 |
| Earnings coverage of net charge-offs (x) | 46.0791% | 912 |
| Efficiency ratio | 79.6467% | 2,155 |
| Assets per employee ($millions) | 3.4034% | 5,059 |
| Cash dividends to net income (ytd only)* | 19.7825% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 4,450 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.6081% | 4,614 |
| Noncurrent loans to loans | 0.9724% | 3,865 |
| Net loans and leases to total assets | 53.6881% | 4,665 |
| Net loans and leases to deposits | 59.4478% | 5,038 |
| Net loans and leases to core deposits | 61.9250% | 5,125 |
| Total domestic deposits to total assets | 90.3115% | 836 |
| Equity capital to assets | 8.8377% | 5,374 |
| Core capital (leverage) ratio | 7.8618% | 6,295 |
| Tier 1 risk-based capital ratio | 13.1458% | 5,018 |
| Total risk-based capital ratio | 14.3218% | 5,029 |
| Memoranda: | ||
| Average total assets | $79,161,500 | 5,310 |
| Average earning assets | $68,546,500 | 5,393 |
| Average equity | $6,964,250 | 5,648 |
| Average total loans | $41,022,250 | 5,352 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 1,788 |
| Cost of funding earning assets | 0.4680% | 4,231 |
| Net interest margin | 4.1511% | 1,406 |
| Noninterest income to average assets | 0.5185% | 3,712 |
| Noninterest expense to average assets | 3.3201% | 2,018 |
| Loan and lease loss provision to assets | 0.0755% | 3,541 |
| Net operating income to assets | 0.7149% | 3,738 |
| Return on assets (ROA) | 0.7149% | 3,908 |
| Pretax return on assets | 0.7174% | 4,625 |
| Return on Equity (ROE) | 8.1379% | 3,023 |
| Retained earnings to average equity (ytd only) | 6.9058% | 1,927 |
| Net charge-offs to loans | 0.0494% | 3,987 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,110 |
| Efficiency ratio | 80.7222% | 2,057 |
| Assets per employee ($millions) | 3.4441% | 4,970 |
| Cash dividends to net income (ytd only)* | 15.1408% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 4,437 |
| Loan loss allowance to noncurrent loans | 147.7901% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 4,880 |
| Noncurrent loans to loans | 0.8884% | 4,154 |
| Net loans and leases to total assets | 50.7638% | 5,025 |
| Net loans and leases to deposits | 56.0196% | 5,342 |
| Net loans and leases to core deposits | 58.5822% | 5,373 |
| Total domestic deposits to total assets | 90.6178% | 696 |
| Equity capital to assets | 8.5402% | 5,730 |
| Core capital (leverage) ratio | 7.5526% | 6,435 |
| Tier 1 risk-based capital ratio | 13.3234% | 4,899 |
| Total risk-based capital ratio | 14.5097% | 4,891 |
| Memoranda: | ||
| Average total assets | $79,456,000 | 5,335 |
| Average earning assets | $68,801,670 | 5,426 |
| Average equity | $6,979,670 | 5,689 |
| Average total loans | $40,504,670 | 5,405 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 1,767 |
| Cost of funding earning assets | 0.4767% | 4,309 |
| Net interest margin | 4.1451% | 1,340 |
| Noninterest income to average assets | 0.4976% | 3,784 |
| Noninterest expense to average assets | 3.3226% | 2,029 |
| Loan and lease loss provision to assets | 0.0754% | 3,371 |
| Net operating income to assets | 0.6786% | 3,788 |
| Return on assets (ROA) | 0.6786% | 3,944 |
| Pretax return on assets | 0.6836% | 4,645 |
| Return on Equity (ROE) | 7.6196% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.6196% | 1,890 |
| Net charge-offs to loans | 0.1090% | 2,784 |
| Credit loss provision to net charge-offs | 136.3636% | 1,457 |
| Earnings coverage of net charge-offs (x) | 13.7273% | 1,502 |
| Efficiency ratio | 81.4039% | 2,130 |
| Assets per employee ($millions) | 3.3565% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 4,683 |
| Loan loss allowance to noncurrent loans | 124.7596% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 4,733 |
| Noncurrent loans to loans | 1.0444% | 4,053 |
| Net loans and leases to total assets | 50.9242% | 4,855 |
| Net loans and leases to deposits | 56.6184% | 5,181 |
| Net loans and leases to core deposits | 59.2679% | 5,219 |
| Total domestic deposits to total assets | 89.9429% | 1,087 |
| Equity capital to assets | 9.2087% | 5,243 |
| Core capital (leverage) ratio | 7.5807% | 6,432 |
| Tier 1 risk-based capital ratio | 13.3731% | 4,959 |
| Total risk-based capital ratio | 14.5488% | 4,965 |
| Memoranda: | ||
| Average total assets | $79,577,000 | 5,376 |
| Average earning assets | $68,804,000 | 5,468 |
| Average equity | $7,087,000 | 5,720 |
| Average total loans | $40,383,500 | 5,447 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9193% | 1,773 |
| Cost of funding earning assets | 0.6735% | 3,706 |
| Net interest margin | 4.2458% | 1,530 |
| Noninterest income to average assets | 0.5495% | 3,584 |
| Noninterest expense to average assets | 3.4093% | 2,024 |
| Loan and lease loss provision to assets | 0.1238% | 4,071 |
| Net operating income to assets | 0.6771% | 3,846 |
| Return on assets (ROA) | 0.6771% | 4,116 |
| Pretax return on assets | 0.6796% | 4,737 |
| Return on Equity (ROE) | 7.4908% | 3,346 |
| Retained earnings to average equity (ytd only) | 1.4395% | 5,153 |
| Net charge-offs to loans | 0.0863% | 4,813 |
| Credit loss provision to net charge-offs | 280.0000% | 860 |
| Earnings coverage of net charge-offs (x) | 18.1714% | 1,456 |
| Efficiency ratio | 80.9295% | 2,015 |
| Assets per employee ($millions) | 3.5633% | 4,868 |
| Cash dividends to net income (ytd only)* | 80.7836% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 4,828 |
| Loan loss allowance to noncurrent loans | 142.2652% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 4,947 |
| Noncurrent loans to loans | 0.8843% | 4,408 |
| Net loans and leases to total assets | 49.3197% | 5,262 |
| Net loans and leases to deposits | 54.7052% | 5,584 |
| Net loans and leases to core deposits | 56.6305% | 5,664 |
| Total domestic deposits to total assets | 90.1556% | 873 |
| Equity capital to assets | 8.6206% | 5,945 |
| Core capital (leverage) ratio | 7.1833% | 6,643 |
| Tier 1 risk-based capital ratio | 12.6939% | 5,329 |
| Total risk-based capital ratio | 13.8273% | 5,375 |
| Memoranda: | ||
| Average total assets | $79,165,800 | 5,378 |
| Average earning assets | $68,302,800 | 5,487 |
| Average equity | $7,155,400 | 5,715 |
| Average total loans | $40,535,800 | 5,482 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 1,774 |
| Cost of funding earning assets | 0.7038% | 3,736 |
| Net interest margin | 4.2659% | 1,563 |
| Noninterest income to average assets | 0.5590% | 3,547 |
| Noninterest expense to average assets | 3.4102% | 1,978 |
| Loan and lease loss provision to assets | 0.1393% | 3,795 |
| Net operating income to assets | 0.6933% | 3,945 |
| Return on assets (ROA) | 0.6933% | 4,199 |
| Pretax return on assets | 0.6967% | 4,875 |
| Return on Equity (ROE) | 7.5786% | 3,492 |
| Retained earnings to average equity (ytd only) | 6.1669% | 2,589 |
| Net charge-offs to loans | 0.0297% | 5,237 |
| Credit loss provision to net charge-offs | 911.1111% | 312 |
| Earnings coverage of net charge-offs (x) | 54.6650% | 706 |
| Efficiency ratio | 80.3121% | 2,046 |
| Assets per employee ($millions) | 3.4617% | 5,058 |
| Cash dividends to net income (ytd only)* | 18.6272% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 4,915 |
| Loan loss allowance to noncurrent loans | 103.7549% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 4,750 |
| Noncurrent loans to loans | 1.2306% | 3,994 |
| Net loans and leases to total assets | 50.9834% | 5,188 |
| Net loans and leases to deposits | 56.7720% | 5,559 |
| Net loans and leases to core deposits | 58.8375% | 5,674 |
| Total domestic deposits to total assets | 89.8038% | 944 |
| Equity capital to assets | 9.3371% | 5,422 |
| Core capital (leverage) ratio | 7.7565% | 6,491 |
| Tier 1 risk-based capital ratio | 13.1297% | 5,145 |
| Total risk-based capital ratio | 14.2791% | 5,178 |
| Memoranda: | ||
| Average total assets | $78,468,500 | 5,450 |
| Average earning assets | $67,822,750 | 5,559 |
| Average equity | $7,178,000 | 5,776 |
| Average total loans | $40,436,000 | 5,554 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9410% | 1,958 |
| Cost of funding earning assets | 0.7379% | 3,700 |
| Net interest margin | 4.2031% | 1,743 |
| Noninterest income to average assets | 0.5507% | 3,579 |
| Noninterest expense to average assets | 3.4168% | 1,991 |
| Loan and lease loss provision to assets | 0.1716% | 3,391 |
| Net operating income to assets | 0.6070% | 4,340 |
| Return on assets (ROA) | 0.6070% | 4,593 |
| Pretax return on assets | 0.6096% | 5,105 |
| Return on Equity (ROE) | 6.6830% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.8088% | 2,822 |
| Net charge-offs to loans | 0.0746% | 4,400 |
| Credit loss provision to net charge-offs | 446.6667% | 668 |
| Earnings coverage of net charge-offs (x) | 20.3333% | 1,391 |
| Efficiency ratio | 81.3911% | 1,978 |
| Assets per employee ($millions) | 3.3539% | 5,316 |
| Cash dividends to net income (ytd only)* | 13.0802% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 5,270 |
| Loan loss allowance to noncurrent loans | 129.5630% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6974% | 5,038 |
| Noncurrent loans to loans | 0.9416% | 4,627 |
| Net loans and leases to total assets | 52.9012% | 4,976 |
| Net loans and leases to deposits | 58.7876% | 5,370 |
| Net loans and leases to core deposits | 60.9876% | 5,490 |
| Total domestic deposits to total assets | 89.9870% | 929 |
| Equity capital to assets | 9.1470% | 5,529 |
| Core capital (leverage) ratio | 7.5442% | 6,606 |
| Tier 1 risk-based capital ratio | 12.7475% | 5,381 |
| Total risk-based capital ratio | 13.8418% | 5,484 |
| Memoranda: | ||
| Average total assets | $78,085,330 | 5,496 |
| Average earning assets | $67,760,000 | 5,595 |
| Average equity | $7,092,670 | 5,822 |
| Average total loans | $40,209,000 | 5,595 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8060% | 2,617 |
| Cost of funding earning assets | 0.7471% | 3,886 |
| Net interest margin | 4.0589% | 2,263 |
| Noninterest income to average assets | 0.5295% | 3,702 |
| Noninterest expense to average assets | 3.3249% | 2,217 |
| Loan and lease loss provision to assets | 0.2291% | 2,655 |
| Net operating income to assets | 0.4837% | 4,897 |
| Return on assets (ROA) | 0.4837% | 5,095 |
| Pretax return on assets | 0.4888% | 5,465 |
| Return on Equity (ROE) | 5.3438% | 4,612 |
| Retained earnings to average equity (ytd only) | 5.3438% | 3,344 |
| Net charge-offs to loans | -0.0101% | 5,947 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2418% | 1,908 |
| Assets per employee ($millions) | 3.3572% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 5,277 |
| Loan loss allowance to noncurrent loans | 115.0115% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9881% | 4,528 |
| Noncurrent loans to loans | 1.0831% | 4,528 |
| Net loans and leases to total assets | 51.1300% | 5,128 |
| Net loans and leases to deposits | 56.8999% | 5,498 |
| Net loans and leases to core deposits | 60.8480% | 5,449 |
| Total domestic deposits to total assets | 89.8595% | 1,154 |
| Equity capital to assets | 9.2495% | 5,157 |
| Core capital (leverage) ratio | 7.5761% | 6,582 |
| Tier 1 risk-based capital ratio | 12.5984% | 5,521 |
| Total risk-based capital ratio | 13.6877% | 5,623 |
| Memoranda: | ||
| Average total assets | $78,558,000 | 5,525 |
| Average earning assets | $67,999,000 | 5,624 |
| Average equity | $7,111,000 | 5,838 |
| Average total loans | $39,657,500 | 5,658 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2332% | 1,936 |
| Cost of funding earning assets | 0.9132% | 4,027 |
| Net interest margin | 4.3200% | 1,633 |
| Noninterest income to average assets | 0.6307% | 3,003 |
| Noninterest expense to average assets | 3.5122% | 1,950 |
| Loan and lease loss provision to assets | 0.2447% | 3,765 |
| Net operating income to assets | 0.6198% | 3,887 |
| Return on assets (ROA) | 0.6198% | 4,086 |
| Pretax return on assets | 0.6225% | 4,622 |
| Return on Equity (ROE) | 6.4967% | 3,643 |
| Retained earnings to average equity (ytd only) | 0.0855% | 5,793 |
| Net charge-offs to loans | 0.4218% | 3,317 |
| Credit loss provision to net charge-offs | 111.8012% | 2,966 |
| Earnings coverage of net charge-offs (x) | 3.9627% | 3,321 |
| Efficiency ratio | 80.1986% | 2,278 |
| Assets per employee ($millions) | 3.4740% | 5,086 |
| Cash dividends to net income (ytd only)* | 98.6842% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 5,630 |
| Loan loss allowance to noncurrent loans | 139.9381% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 4,987 |
| Noncurrent loans to loans | 0.8211% | 5,047 |
| Net loans and leases to total assets | 48.6665% | 5,757 |
| Net loans and leases to deposits | 54.0783% | 6,064 |
| Net loans and leases to core deposits | 56.2296% | 6,143 |
| Total domestic deposits to total assets | 89.9926% | 999 |
| Equity capital to assets | 8.8610% | 5,721 |
| Core capital (leverage) ratio | 7.3628% | 6,717 |
| Tier 1 risk-based capital ratio | 9.8676% | 6,883 |
| Total risk-based capital ratio | 10.6549% | 6,971 |
| Memoranda: | ||
| Average total assets | $73,571,800 | 5,657 |
| Average earning assets | $63,842,400 | 5,738 |
| Average equity | $7,019,000 | 5,860 |
| Average total loans | $38,166,600 | 5,777 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3104% | 1,815 |
| Cost of funding earning assets | 0.9373% | 4,138 |
| Net interest margin | 4.3732% | 1,480 |
| Noninterest income to average assets | 0.6501% | 2,880 |
| Noninterest expense to average assets | 3.5560% | 1,803 |
| Loan and lease loss provision to assets | 0.2500% | 3,504 |
| Net operating income to assets | 0.6427% | 3,907 |
| Return on assets (ROA) | 0.6427% | 4,088 |
| Pretax return on assets | 0.6464% | 4,658 |
| Return on Equity (ROE) | 6.6059% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.3494% | 2,948 |
| Net charge-offs to loans | 0.1373% | 4,686 |
| Credit loss provision to net charge-offs | 346.1538% | 816 |
| Earnings coverage of net charge-offs (x) | 12.4100% | 1,710 |
| Efficiency ratio | 79.8669% | 2,266 |
| Assets per employee ($millions) | 3.1786% | 5,728 |
| Cash dividends to net income (ytd only)* | 19.0204% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 4,876 |
| Loan loss allowance to noncurrent loans | 103.5225% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 1.2037% | 4,386 |
| Noncurrent loans to loans | 1.2841% | 4,383 |
| Net loans and leases to total assets | 53.7089% | 5,209 |
| Net loans and leases to deposits | 60.4198% | 5,588 |
| Net loans and leases to core deposits | 61.1252% | 5,898 |
| Total domestic deposits to total assets | 88.8930% | 1,488 |
| Equity capital to assets | 10.2507% | 4,019 |
| Core capital (leverage) ratio | 8.3611% | 5,908 |
| Tier 1 risk-based capital ratio | 11.8327% | 6,018 |
| Total risk-based capital ratio | 12.8865% | 6,141 |
| Memoranda: | ||
| Average total assets | $71,989,500 | 5,735 |
| Average earning assets | $62,592,250 | 5,819 |
| Average equity | $7,003,750 | 5,903 |
| Average total loans | $37,874,000 | 5,840 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2228% | 2,176 |
| Cost of funding earning assets | 0.9577% | 4,265 |
| Net interest margin | 4.2651% | 1,788 |
| Noninterest income to average assets | 0.6451% | 2,879 |
| Noninterest expense to average assets | 3.5439% | 1,876 |
| Loan and lease loss provision to assets | 0.2513% | 3,391 |
| Net operating income to assets | 0.5781% | 4,165 |
| Return on assets (ROA) | 0.5781% | 4,293 |
| Pretax return on assets | 0.5809% | 4,806 |
| Return on Equity (ROE) | 6.0523% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.2044% | 2,871 |
| Net charge-offs to loans | -0.0107% | 6,697 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9828% | 2,245 |
| Assets per employee ($millions) | 3.0577% | 5,962 |
| Cash dividends to net income (ytd only)* | 14.0097% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 4,651 |
| Loan loss allowance to noncurrent loans | 162.5387% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.9840% | 4,898 |
| Noncurrent loans to loans | 0.8513% | 5,243 |
| Net loans and leases to total assets | 53.2036% | 5,401 |
| Net loans and leases to deposits | 59.8653% | 5,737 |
| Net loans and leases to core deposits | 60.5934% | 6,042 |
| Total domestic deposits to total assets | 88.8721% | 1,615 |
| Equity capital to assets | 10.2576% | 3,807 |
| Core capital (leverage) ratio | 8.1566% | 6,090 |
| Tier 1 risk-based capital ratio | 12.1437% | 5,671 |
| Total risk-based capital ratio | 13.2360% | 5,766 |
| Memoranda: | ||
| Average total assets | $71,617,000 | 5,788 |
| Average earning assets | $62,648,670 | 5,869 |
| Average equity | $6,840,330 | 5,964 |
| Average total loans | $37,234,000 | 5,927 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1572% | 2,396 |
| Cost of funding earning assets | 0.9745% | 4,394 |
| Net interest margin | 4.1827% | 1,955 |
| Noninterest income to average assets | 0.6421% | 2,889 |
| Noninterest expense to average assets | 3.5427% | 1,895 |
| Loan and lease loss provision to assets | 0.2491% | 3,169 |
| Net operating income to assets | 0.5037% | 4,475 |
| Return on assets (ROA) | 0.5037% | 4,558 |
| Pretax return on assets | 0.5093% | 4,995 |
| Return on Equity (ROE) | 5.4708% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.4708% | 2,923 |
| Net charge-offs to loans | 0.1518% | 3,579 |
| Credit loss provision to net charge-offs | 321.4286% | 1,014 |
| Earnings coverage of net charge-offs (x) | 9.7857% | 1,691 |
| Efficiency ratio | 82.3681% | 2,172 |
| Assets per employee ($millions) | 3.0383% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 5,284 |
| Loan loss allowance to noncurrent loans | 153.1353% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.9702% | 4,965 |
| Noncurrent loans to loans | 0.8306% | 5,373 |
| Net loans and leases to total assets | 51.5354% | 5,643 |
| Net loans and leases to deposits | 57.3828% | 5,987 |
| Net loans and leases to core deposits | 58.0768% | 6,246 |
| Total domestic deposits to total assets | 89.8100% | 1,277 |
| Equity capital to assets | 9.5203% | 4,399 |
| Core capital (leverage) ratio | 8.1321% | 6,079 |
| Tier 1 risk-based capital ratio | 12.0820% | 5,616 |
| Total risk-based capital ratio | 13.0572% | 5,852 |
| Memoranda: | ||
| Average total assets | $72,261,500 | 5,810 |
| Average earning assets | $63,212,500 | 5,887 |
| Average equity | $6,653,500 | 6,041 |
| Average total loans | $36,880,000 | 5,994 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5381% | 2,130 |
| Cost of funding earning assets | 1.2525% | 4,198 |
| Net interest margin | 4.2857% | 1,879 |
| Noninterest income to average assets | 0.6374% | 3,231 |
| Noninterest expense to average assets | 3.7547% | 1,580 |
| Loan and lease loss provision to assets | 0.2620% | 4,696 |
| Net operating income to assets | 0.3129% | 4,893 |
| Return on assets (ROA) | 0.3129% | 5,062 |
| Pretax return on assets | 0.3158% | 5,187 |
| Return on Equity (ROE) | 3.2494% | 4,840 |
| Retained earnings to average equity (ytd only) | 0.2267% | 5,459 |
| Net charge-offs to loans | 0.5768% | 3,318 |
| Credit loss provision to net charge-offs | 84.5070% | 5,365 |
| Earnings coverage of net charge-offs (x) | 1.8638% | 4,328 |
| Efficiency ratio | 86.6644% | 1,603 |
| Assets per employee ($millions) | 3.2453% | 5,552 |
| Cash dividends to net income (ytd only)* | 93.0233% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 5,682 |
| Loan loss allowance to noncurrent loans | 138.3387% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 5,151 |
| Noncurrent loans to loans | 0.8395% | 5,373 |
| Net loans and leases to total assets | 49.3683% | 6,230 |
| Net loans and leases to deposits | 54.7151% | 6,549 |
| Net loans and leases to core deposits | 55.3330% | 6,732 |
| Total domestic deposits to total assets | 90.2279% | 971 |
| Equity capital to assets | 8.9147% | 5,265 |
| Core capital (leverage) ratio | 7.6023% | 6,618 |
| Tier 1 risk-based capital ratio | 10.7213% | 6,555 |
| Total risk-based capital ratio | 11.5416% | 6,802 |
| Memoranda: | ||
| Average total assets | $68,714,200 | 5,918 |
| Average earning assets | $59,243,800 | 6,020 |
| Average equity | $6,616,600 | 6,161 |
| Average total loans | $36,929,000 | 6,070 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6381% | 1,922 |
| Cost of funding earning assets | 1.2775% | 4,384 |
| Net interest margin | 4.3606% | 1,641 |
| Noninterest income to average assets | 0.6406% | 3,181 |
| Noninterest expense to average assets | 3.8254% | 1,330 |
| Loan and lease loss provision to assets | 0.2677% | 4,442 |
| Net operating income to assets | 0.2955% | 5,184 |
| Return on assets (ROA) | 0.2955% | 5,355 |
| Pretax return on assets | 0.2975% | 5,518 |
| Return on Equity (ROE) | 3.0067% | 5,219 |
| Retained earnings to average equity (ytd only) | 2.2802% | 4,804 |
| Net charge-offs to loans | 0.3619% | 3,853 |
| Credit loss provision to net charge-offs | 135.0000% | 2,983 |
| Earnings coverage of net charge-offs (x) | 2.8500% | 3,709 |
| Efficiency ratio | 87.1274% | 1,520 |
| Assets per employee ($millions) | 3.0240% | 6,101 |
| Cash dividends to net income (ytd only)* | 24.1619% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 4,682 |
| Loan loss allowance to noncurrent loans | 74.5536% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.4493% | 4,277 |
| Noncurrent loans to loans | 1.8217% | 3,909 |
| Net loans and leases to total assets | 52.3163% | 6,066 |
| Net loans and leases to deposits | 58.8168% | 6,398 |
| Net loans and leases to core deposits | 59.5395% | 6,639 |
| Total domestic deposits to total assets | 88.9478% | 1,417 |
| Equity capital to assets | 10.2830% | 3,790 |
| Core capital (leverage) ratio | 8.3787% | 5,738 |
| Tier 1 risk-based capital ratio | 12.1813% | 5,289 |
| Total risk-based capital ratio | 13.2414% | 5,439 |
| Memoranda: | ||
| Average total assets | $67,232,500 | 6,022 |
| Average earning assets | $57,819,000 | 6,133 |
| Average equity | $6,607,250 | 6,234 |
| Average total loans | $36,840,750 | 6,157 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6447% | 1,963 |
| Cost of funding earning assets | 1.2625% | 4,755 |
| Net interest margin | 4.3822% | 1,500 |
| Noninterest income to average assets | 0.6410% | 3,055 |
| Noninterest expense to average assets | 3.7948% | 1,366 |
| Loan and lease loss provision to assets | 0.2708% | 4,230 |
| Net operating income to assets | 0.3431% | 5,000 |
| Return on assets (ROA) | 0.3431% | 5,169 |
| Pretax return on assets | 0.3461% | 5,384 |
| Return on Equity (ROE) | 3.5483% | 4,994 |
| Retained earnings to average equity (ytd only) | 2.7390% | 4,389 |
| Net charge-offs to loans | 0.1249% | 4,944 |
| Credit loss provision to net charge-offs | 391.3043% | 924 |
| Earnings coverage of net charge-offs (x) | 8.9130% | 2,080 |
| Efficiency ratio | 86.0164% | 1,705 |
| Assets per employee ($millions) | 2.9014% | 6,352 |
| Cash dividends to net income (ytd only)* | 22.8070% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 4,195 |
| Loan loss allowance to noncurrent loans | 72.7149% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 2.0185% | 3,480 |
| Noncurrent loans to loans | 1.9890% | 3,732 |
| Net loans and leases to total assets | 54.4267% | 5,929 |
| Net loans and leases to deposits | 61.1252% | 6,296 |
| Net loans and leases to core deposits | 61.9077% | 6,562 |
| Total domestic deposits to total assets | 89.0412% | 1,414 |
| Equity capital to assets | 10.1765% | 3,804 |
| Core capital (leverage) ratio | 8.6351% | 5,183 |
| Tier 1 risk-based capital ratio | 12.4541% | 4,902 |
| Total risk-based capital ratio | 13.6126% | 4,964 |
| Memoranda: | ||
| Average total assets | $66,459,330 | 6,088 |
| Average earning assets | $57,186,330 | 6,192 |
| Average equity | $6,425,670 | 6,329 |
| Average total loans | $36,825,000 | 6,200 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6715% | 1,882 |
| Cost of funding earning assets | 1.2564% | 5,079 |
| Net interest margin | 4.4151% | 1,349 |
| Noninterest income to average assets | 0.6152% | 3,169 |
| Noninterest expense to average assets | 3.6488% | 1,619 |
| Loan and lease loss provision to assets | 0.2714% | 3,854 |
| Net operating income to assets | 0.4885% | 4,450 |
| Return on assets (ROA) | 0.4885% | 4,585 |
| Pretax return on assets | 0.4885% | 5,004 |
| Return on Equity (ROE) | 5.1898% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.1898% | 3,048 |
| Net charge-offs to loans | 0.0543% | 4,861 |
| Credit loss provision to net charge-offs | 900.0000% | 510 |
| Earnings coverage of net charge-offs (x) | 25.2000% | 988 |
| Efficiency ratio | 82.7633% | 2,169 |
| Assets per employee ($millions) | 2.8047% | 6,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 4,490 |
| Loan loss allowance to noncurrent loans | 65.2903% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 2.1795% | 3,300 |
| Noncurrent loans to loans | 2.1222% | 3,621 |
| Net loans and leases to total assets | 55.8263% | 5,769 |
| Net loans and leases to deposits | 63.1585% | 6,152 |
| Net loans and leases to core deposits | 64.0004% | 6,453 |
| Total domestic deposits to total assets | 88.3908% | 1,856 |
| Equity capital to assets | 9.2096% | 4,977 |
| Core capital (leverage) ratio | 8.6506% | 5,111 |
| Tier 1 risk-based capital ratio | 12.7830% | 4,500 |
| Total risk-based capital ratio | 13.9128% | 4,559 |
| Memoranda: | ||
| Average total assets | $66,323,000 | 6,158 |
| Average earning assets | $56,986,500 | 6,278 |
| Average equity | $6,243,000 | 6,432 |
| Average total loans | $36,811,000 | 6,272 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9176% | 2,165 |
| Cost of funding earning assets | 1.4760% | 5,607 |
| Net interest margin | 4.4416% | 1,313 |
| Noninterest income to average assets | 0.5578% | 3,960 |
| Noninterest expense to average assets | 3.6619% | 1,999 |
| Loan and lease loss provision to assets | 0.5488% | 3,624 |
| Net operating income to assets | 0.2169% | 4,845 |
| Return on assets (ROA) | 0.1874% | 5,011 |
| Pretax return on assets | 0.1889% | 5,031 |
| Return on Equity (ROE) | 1.9896% | 4,911 |
| Retained earnings to average equity (ytd only) | -0.5527% | 5,124 |
| Net charge-offs to loans | 1.0333% | 2,348 |
| Credit loss provision to net charge-offs | 93.1818% | 5,887 |
| Earnings coverage of net charge-offs (x) | 1.3030% | 4,822 |
| Efficiency ratio | 82.6729% | 2,527 |
| Assets per employee ($millions) | 2.9625% | 6,317 |
| Cash dividends to net income (ytd only)* | 127.7778% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 5,015 |
| Loan loss allowance to noncurrent loans | 52.1837% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 2.2690% | 3,045 |
| Noncurrent loans to loans | 2.4068% | 3,152 |
| Net loans and leases to total assets | 53.7696% | 6,219 |
| Net loans and leases to deposits | 60.1741% | 6,621 |
| Net loans and leases to core deposits | 62.5130% | 7,172 |
| Total domestic deposits to total assets | 89.3567% | 1,290 |
| Equity capital to assets | 9.6056% | 4,263 |
| Core capital (leverage) ratio | 8.2501% | 5,724 |
| Tier 1 risk-based capital ratio | 11.8373% | 5,083 |
| Total risk-based capital ratio | 12.8150% | 5,289 |
| Memoranda: | ||
| Average total assets | $67,232,600 | 6,099 |
| Average earning assets | $58,604,800 | 6,196 |
| Average equity | $6,332,800 | 6,487 |
| Average total loans | $38,323,000 | 6,186 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9507% | 2,228 |
| Cost of funding earning assets | 1.4900% | 5,861 |
| Net interest margin | 4.4608% | 1,289 |
| Noninterest income to average assets | 0.5353% | 4,195 |
| Noninterest expense to average assets | 3.6792% | 1,869 |
| Loan and lease loss provision to assets | 0.5691% | 3,108 |
| Net operating income to assets | 0.1986% | 5,163 |
| Return on assets (ROA) | 0.1592% | 5,347 |
| Pretax return on assets | 0.1612% | 5,383 |
| Return on Equity (ROE) | 1.6985% | 5,264 |
| Retained earnings to average equity (ytd only) | 1.1677% | 4,673 |
| Net charge-offs to loans | 1.3807% | 1,490 |
| Credit loss provision to net charge-offs | 71.5000% | 5,950 |
| Earnings coverage of net charge-offs (x) | 0.9675% | 5,096 |
| Efficiency ratio | 82.6923% | 2,479 |
| Assets per employee ($millions) | 2.9535% | 6,277 |
| Cash dividends to net income (ytd only)* | 31.2488% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 6,339 |
| Loan loss allowance to noncurrent loans | 100.7979% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5251% | 4,079 |
| Noncurrent loans to loans | 0.9851% | 5,335 |
| Net loans and leases to total assets | 55.6323% | 6,181 |
| Net loans and leases to deposits | 64.9441% | 6,409 |
| Net loans and leases to core deposits | 67.4647% | 7,094 |
| Total domestic deposits to total assets | 85.6617% | 2,878 |
| Equity capital to assets | 9.5172% | 4,723 |
| Core capital (leverage) ratio | 8.5032% | 5,487 |
| Tier 1 risk-based capital ratio | 12.0815% | 4,895 |
| Total risk-based capital ratio | 12.8805% | 5,241 |
| Memoranda: | ||
| Average total assets | $67,006,500 | 6,153 |
| Average earning assets | $58,792,500 | 6,224 |
| Average equity | $6,279,750 | 6,564 |
| Average total loans | $38,628,000 | 6,220 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9635% | 2,331 |
| Cost of funding earning assets | 1.5215% | 6,053 |
| Net interest margin | 4.4420% | 1,309 |
| Noninterest income to average assets | 0.4828% | 4,601 |
| Noninterest expense to average assets | 3.6313% | 2,000 |
| Loan and lease loss provision to assets | 0.4678% | 3,181 |
| Net operating income to assets | 0.2933% | 4,927 |
| Return on assets (ROA) | 0.2339% | 5,228 |
| Pretax return on assets | 0.2369% | 5,366 |
| Return on Equity (ROE) | 2.5088% | 5,096 |
| Retained earnings to average equity (ytd only) | 2.4445% | 3,976 |
| Net charge-offs to loans | 1.3770% | 1,362 |
| Credit loss provision to net charge-offs | 58.4270% | 5,622 |
| Earnings coverage of net charge-offs (x) | 0.9551% | 4,814 |
| Efficiency ratio | 82.6057% | 2,653 |
| Assets per employee ($millions) | 2.9359% | 6,299 |
| Cash dividends to net income (ytd only)* | 2.5641% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 6,346 |
| Loan loss allowance to noncurrent loans | 35.9360% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 2.1399% | 3,007 |
| Noncurrent loans to loans | 2.7434% | 2,627 |
| Net loans and leases to total assets | 56.8175% | 6,111 |
| Net loans and leases to deposits | 65.7955% | 6,412 |
| Net loans and leases to core deposits | 69.8021% | 7,028 |
| Total domestic deposits to total assets | 86.3547% | 2,595 |
| Equity capital to assets | 9.6216% | 4,465 |
| Core capital (leverage) ratio | 8.6413% | 5,194 |
| Tier 1 risk-based capital ratio | 12.2911% | 4,684 |
| Total risk-based capital ratio | 13.1074% | 4,954 |
| Memoranda: | ||
| Average total assets | $66,698,670 | 6,200 |
| Average earning assets | $58,757,000 | 6,280 |
| Average equity | $6,218,000 | 6,632 |
| Average total loans | $38,780,670 | 6,259 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1071% | 1,915 |
| Cost of funding earning assets | 1.5765% | 6,134 |
| Net interest margin | 4.5307% | 1,069 |
| Noninterest income to average assets | 0.4647% | 4,638 |
| Noninterest expense to average assets | 3.7052% | 1,646 |
| Loan and lease loss provision to assets | 0.6698% | 1,888 |
| Net operating income to assets | 0.0784% | 6,043 |
| Return on assets (ROA) | 0.0362% | 6,325 |
| Pretax return on assets | 0.0362% | 6,310 |
| Return on Equity (ROE) | 0.3948% | 6,309 |
| Retained earnings to average equity (ytd only) | 0.3948% | 5,498 |
| Net charge-offs to loans | 2.7219% | 486 |
| Credit loss provision to net charge-offs | 42.0455% | 4,794 |
| Earnings coverage of net charge-offs (x) | 0.4697% | 4,614 |
| Efficiency ratio | 83.1978% | 2,390 |
| Assets per employee ($millions) | 2.7366% | 6,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 6,802 |
| Loan loss allowance to noncurrent loans | 31.6869% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 2.3196% | 2,476 |
| Noncurrent loans to loans | 2.8029% | 2,337 |
| Net loans and leases to total assets | 60.2819% | 5,607 |
| Net loans and leases to deposits | 67.0780% | 6,263 |
| Net loans and leases to core deposits | 71.1804% | 6,952 |
| Total domestic deposits to total assets | 89.8683% | 857 |
| Equity capital to assets | 8.9878% | 5,364 |
| Core capital (leverage) ratio | 8.7885% | 5,012 |
| Tier 1 risk-based capital ratio | 12.5683% | 4,500 |
| Total risk-based capital ratio | 13.3204% | 4,797 |
| Memoranda: | ||
| Average total assets | $66,285,500 | 6,242 |
| Average earning assets | $58,358,000 | 6,329 |
| Average equity | $6,078,500 | 6,732 |
| Average total loans | $38,797,000 | 6,285 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6084% | 2,440 |
| Cost of funding earning assets | 1.9903% | 6,438 |
| Net interest margin | 4.6181% | 1,132 |
| Noninterest income to average assets | 0.5490% | 4,239 |
| Noninterest expense to average assets | 3.7852% | 1,781 |
| Loan and lease loss provision to assets | 0.2275% | 4,615 |
| Net operating income to assets | 0.5657% | 4,459 |
| Return on assets (ROA) | 0.7309% | 3,588 |
| Pretax return on assets | 0.7340% | 4,292 |
| Return on Equity (ROE) | 7.9778% | 3,083 |
| Retained earnings to average equity (ytd only) | -0.0166% | 5,265 |
| Net charge-offs to loans | 0.1515% | 4,687 |
| Credit loss provision to net charge-offs | 250.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 2,826 |
| Efficiency ratio | 82.6216% | 2,226 |
| Assets per employee ($millions) | 3.0274% | 5,994 |
| Cash dividends to net income (ytd only)* | 100.2075% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 4,099 |
| Loan loss allowance to noncurrent loans | 53.3550% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 1.8828% | 2,614 |
| Noncurrent loans to loans | 2.3504% | 2,340 |
| Net loans and leases to total assets | 55.7504% | 6,462 |
| Net loans and leases to deposits | 62.5901% | 6,903 |
| Net loans and leases to core deposits | 66.0367% | 7,359 |
| Total domestic deposits to total assets | 89.0722% | 1,017 |
| Equity capital to assets | 9.3351% | 4,892 |
| Core capital (leverage) ratio | 8.5557% | 5,472 |
| Tier 1 risk-based capital ratio | 11.8043% | 4,981 |
| Total risk-based capital ratio | 12.8296% | 5,057 |
| Memoranda: | ||
| Average total assets | $65,941,800 | 6,163 |
| Average earning assets | $57,578,200 | 6,278 |
| Average equity | $6,041,800 | 6,789 |
| Average total loans | $39,591,000 | 6,181 |