Home > The Roberts County National Bank of Sisseton > Performance and Condition Ratios
The Roberts County National Bank of Sisseton, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2317% | 5,179 |
| Cost of funding earning assets | 0.1499% | 5,218 |
| Net interest margin | 3.0818% | 4,736 |
| Noninterest income to average assets | 0.1112% | 5,168 |
| Noninterest expense to average assets | 1.9246% | 4,867 |
| Loan and lease loss provision to assets | -0.0266% | 5,255 |
| Net operating income to assets | 1.1460% | 2,453 |
| Return on assets (ROA) | 1.1460% | 2,467 |
| Pretax return on assets | 1.1968% | 2,996 |
| Return on Equity (ROE) | 7.7770% | 3,636 |
| Retained earnings to average equity (ytd only) | 0.5743% | 4,938 |
| Net charge-offs to loans | -0.1031% | 5,170 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1875% | 3,480 |
| Assets per employee ($millions) | 4.9525% | 2,530 |
| Cash dividends to net income (ytd only)* | 92.6169% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 3,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 26.1757% | 5,321 |
| Net loans and leases to deposits | 30.6324% | 5,331 |
| Net loans and leases to core deposits | 30.6324% | 5,341 |
| Total domestic deposits to total assets | 85.4510% | 2,427 |
| Equity capital to assets | 14.4701% | 833 |
| Core capital (leverage) ratio | 15.3136% | 628 |
| Tier 1 risk-based capital ratio | 34.9940% | 323 |
| Total risk-based capital ratio | 35.6198% | 329 |
| Memoranda: | ||
| Average total assets | $55,145,500 | 4,907 |
| Average earning assets | $53,386,500 | 4,851 |
| Average equity | $8,126,250 | 4,634 |
| Average total loans | $14,229,750 | 5,277 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1759% | 5,249 |
| Cost of funding earning assets | 0.1381% | 5,291 |
| Net interest margin | 3.0378% | 4,824 |
| Noninterest income to average assets | 0.1084% | 5,245 |
| Noninterest expense to average assets | 1.9831% | 4,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0186% | 2,931 |
| Return on assets (ROA) | 1.0186% | 2,940 |
| Pretax return on assets | 1.0656% | 3,451 |
| Return on Equity (ROE) | 6.8719% | 3,936 |
| Retained earnings to average equity (ytd only) | -0.2437% | 4,990 |
| Net charge-offs to loans | -0.1411% | 5,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0474% | 3,152 |
| Assets per employee ($millions) | 5.0931% | 2,299 |
| Cash dividends to net income (ytd only)* | 103.5461% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 3,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 25.4944% | 5,392 |
| Net loans and leases to deposits | 29.7817% | 5,396 |
| Net loans and leases to core deposits | 29.7817% | 5,406 |
| Total domestic deposits to total assets | 85.6044% | 2,454 |
| Equity capital to assets | 14.3296% | 853 |
| Core capital (leverage) ratio | 14.8463% | 702 |
| Tier 1 risk-based capital ratio | 34.2607% | 343 |
| Total risk-based capital ratio | 34.9174% | 348 |
| Memoranda: | ||
| Average total assets | $55,368,000 | 4,955 |
| Average earning assets | $53,591,670 | 4,903 |
| Average equity | $8,207,330 | 4,660 |
| Average total loans | $14,169,330 | 5,338 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1383% | 5,287 |
| Cost of funding earning assets | 0.1201% | 5,389 |
| Net interest margin | 3.0181% | 4,853 |
| Noninterest income to average assets | 0.0945% | 5,349 |
| Noninterest expense to average assets | 2.0058% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9593% | 3,036 |
| Return on assets (ROA) | 0.9593% | 3,052 |
| Pretax return on assets | 1.0102% | 3,499 |
| Return on Equity (ROE) | 6.3637% | 4,030 |
| Retained earnings to average equity (ytd only) | -0.6749% | 4,879 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5060% | 3,078 |
| Assets per employee ($millions) | 5.0057% | 2,488 |
| Cash dividends to net income (ytd only)* | 110.6061% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 2,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 22.7848% | 5,478 |
| Net loans and leases to deposits | 26.7323% | 5,484 |
| Net loans and leases to core deposits | 26.7323% | 5,488 |
| Total domestic deposits to total assets | 85.2333% | 2,844 |
| Equity capital to assets | 14.7122% | 733 |
| Core capital (leverage) ratio | 15.1379% | 629 |
| Tier 1 risk-based capital ratio | 36.5286% | 289 |
| Total risk-based capital ratio | 37.1856% | 303 |
| Memoranda: | ||
| Average total assets | $55,040,000 | 5,019 |
| Average earning assets | $53,278,000 | 4,970 |
| Average equity | $8,297,000 | 4,699 |
| Average total loans | $14,032,000 | 5,399 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1050% | 5,284 |
| Cost of funding earning assets | 0.1262% | 5,380 |
| Net interest margin | 2.9788% | 4,928 |
| Noninterest income to average assets | 0.1391% | 5,257 |
| Noninterest expense to average assets | 2.0094% | 4,943 |
| Loan and lease loss provision to assets | 0.0174% | 3,950 |
| Net operating income to assets | 0.9311% | 2,545 |
| Return on assets (ROA) | 1.0186% | 2,197 |
| Pretax return on assets | 1.0760% | 3,277 |
| Return on Equity (ROE) | 6.7350% | 3,417 |
| Retained earnings to average equity (ytd only) | -0.4597% | 5,111 |
| Net charge-offs to loans | 0.1148% | 1,901 |
| Credit loss provision to net charge-offs | 58.8235% | 3,228 |
| Earnings coverage of net charge-offs (x) | 33.8824% | 1,418 |
| Efficiency ratio | 66.7436% | 3,128 |
| Assets per employee ($millions) | 5.0015% | 2,474 |
| Cash dividends to net income (ytd only)* | 106.8259% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 4,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 27.6569% | 5,479 |
| Net loans and leases to deposits | 32.8434% | 5,482 |
| Net loans and leases to core deposits | 32.8434% | 5,500 |
| Total domestic deposits to total assets | 84.2085% | 3,120 |
| Equity capital to assets | 15.4370% | 595 |
| Core capital (leverage) ratio | 14.7276% | 673 |
| Tier 1 risk-based capital ratio | 34.3407% | 338 |
| Total risk-based capital ratio | 34.9573% | 345 |
| Memoranda: | ||
| Average total assets | $57,529,800 | 5,016 |
| Average earning assets | $55,458,200 | 4,965 |
| Average equity | $8,700,800 | 4,665 |
| Average total loans | $14,804,000 | 5,446 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0962% | 5,337 |
| Cost of funding earning assets | 0.1143% | 5,503 |
| Net interest margin | 2.9818% | 4,959 |
| Noninterest income to average assets | 0.1307% | 5,354 |
| Noninterest expense to average assets | 1.8868% | 5,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0663% | 2,247 |
| Return on assets (ROA) | 1.1829% | 1,808 |
| Pretax return on assets | 1.2357% | 2,763 |
| Return on Equity (ROE) | 7.8602% | 3,202 |
| Retained earnings to average equity (ytd only) | 0.7160% | 5,060 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8724% | 3,738 |
| Assets per employee ($millions) | 4.6743% | 2,866 |
| Cash dividends to net income (ytd only)* | 90.8922% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 25.5313% | 5,579 |
| Net loans and leases to deposits | 32.4673% | 5,554 |
| Net loans and leases to core deposits | 32.4673% | 5,575 |
| Total domestic deposits to total assets | 78.6369% | 4,605 |
| Equity capital to assets | 15.8525% | 567 |
| Core capital (leverage) ratio | 14.6566% | 733 |
| Tier 1 risk-based capital ratio | 34.9026% | 325 |
| Total risk-based capital ratio | 35.5517% | 339 |
| Memoranda: | ||
| Average total assets | $58,158,000 | 5,058 |
| Average earning assets | $55,981,750 | 5,005 |
| Average equity | $8,752,750 | 4,701 |
| Average total loans | $14,663,250 | 5,504 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9795% | 5,451 |
| Cost of funding earning assets | 0.1127% | 5,548 |
| Net interest margin | 2.8668% | 5,146 |
| Noninterest income to average assets | 0.1258% | 5,422 |
| Noninterest expense to average assets | 1.9406% | 5,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9093% | 2,868 |
| Return on assets (ROA) | 1.0366% | 2,308 |
| Pretax return on assets | 1.0842% | 3,244 |
| Return on Equity (ROE) | 7.0064% | 3,548 |
| Retained earnings to average equity (ytd only) | -0.1838% | 5,102 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0975% | 3,163 |
| Assets per employee ($millions) | 4.9046% | 2,506 |
| Cash dividends to net income (ytd only)* | 102.6230% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 3,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 24.8560% | 5,632 |
| Net loans and leases to deposits | 29.3349% | 5,638 |
| Net loans and leases to core deposits | 29.3349% | 5,653 |
| Total domestic deposits to total assets | 84.7320% | 2,919 |
| Equity capital to assets | 15.1304% | 684 |
| Core capital (leverage) ratio | 14.0911% | 838 |
| Tier 1 risk-based capital ratio | 33.9432% | 333 |
| Total risk-based capital ratio | 34.5786% | 348 |
| Memoranda: | ||
| Average total assets | $58,846,670 | 5,081 |
| Average earning assets | $56,788,670 | 5,026 |
| Average equity | $8,706,330 | 4,735 |
| Average total loans | $14,724,670 | 5,552 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9901% | 5,469 |
| Cost of funding earning assets | 0.1199% | 5,564 |
| Net interest margin | 2.8702% | 5,138 |
| Noninterest income to average assets | 0.1292% | 5,472 |
| Noninterest expense to average assets | 1.9918% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8633% | 2,931 |
| Return on assets (ROA) | 0.8633% | 2,978 |
| Pretax return on assets | 0.9041% | 3,755 |
| Return on Equity (ROE) | 5.9022% | 3,961 |
| Retained earnings to average equity (ytd only) | -1.3942% | 5,113 |
| Net charge-offs to loans | 0.0272% | 2,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 412 |
| Efficiency ratio | 68.7793% | 3,083 |
| Assets per employee ($millions) | 4.8718% | 2,604 |
| Cash dividends to net income (ytd only)* | 123.6220% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 3,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 21.9001% | 5,729 |
| Net loans and leases to deposits | 25.7549% | 5,724 |
| Net loans and leases to core deposits | 25.7549% | 5,736 |
| Total domestic deposits to total assets | 85.0328% | 3,073 |
| Equity capital to assets | 14.8509% | 684 |
| Core capital (leverage) ratio | 13.9712% | 851 |
| Tier 1 risk-based capital ratio | 35.3484% | 318 |
| Total risk-based capital ratio | 36.0076% | 325 |
| Memoranda: | ||
| Average total assets | $58,842,500 | 5,136 |
| Average earning assets | $56,720,500 | 5,084 |
| Average equity | $8,607,000 | 4,792 |
| Average total loans | $14,693,500 | 5,616 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1992% | 5,304 |
| Cost of funding earning assets | 0.1275% | 5,570 |
| Net interest margin | 3.0717% | 4,796 |
| Noninterest income to average assets | 0.1391% | 5,492 |
| Noninterest expense to average assets | 1.9330% | 5,317 |
| Loan and lease loss provision to assets | 0.0414% | 3,552 |
| Net operating income to assets | 1.0275% | 2,235 |
| Return on assets (ROA) | 1.0369% | 2,298 |
| Pretax return on assets | 1.0883% | 3,150 |
| Return on Equity (ROE) | 6.8265% | 3,565 |
| Retained earnings to average equity (ytd only) | -0.2617% | 5,345 |
| Net charge-offs to loans | 0.0298% | 3,426 |
| Credit loss provision to net charge-offs | 500.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 135.2000% | 463 |
| Efficiency ratio | 63.3207% | 4,055 |
| Assets per employee ($millions) | 4.9353% | 2,461 |
| Cash dividends to net income (ytd only)* | 103.8339% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 4,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 27.4703% | 5,695 |
| Net loans and leases to deposits | 32.1382% | 5,711 |
| Net loans and leases to core deposits | 32.1382% | 5,730 |
| Total domestic deposits to total assets | 85.4755% | 2,844 |
| Equity capital to assets | 14.4063% | 761 |
| Core capital (leverage) ratio | 13.8432% | 858 |
| Tier 1 risk-based capital ratio | 31.6041% | 423 |
| Total risk-based capital ratio | 32.1951% | 438 |
| Memoranda: | ||
| Average total assets | $60,371,000 | 5,132 |
| Average earning assets | $57,265,200 | 5,097 |
| Average equity | $9,170,200 | 4,723 |
| Average total loans | $16,795,200 | 5,618 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2508% | 5,278 |
| Cost of funding earning assets | 0.1280% | 5,630 |
| Net interest margin | 3.1228% | 4,712 |
| Noninterest income to average assets | 0.1319% | 5,595 |
| Noninterest expense to average assets | 1.7980% | 5,521 |
| Loan and lease loss provision to assets | 0.0549% | 3,159 |
| Net operating income to assets | 1.1765% | 1,710 |
| Return on assets (ROA) | 1.1892% | 1,771 |
| Pretax return on assets | 1.2419% | 2,644 |
| Return on Equity (ROE) | 7.7314% | 3,158 |
| Retained earnings to average equity (ytd only) | 0.7574% | 5,163 |
| Net charge-offs to loans | 0.0316% | 3,017 |
| Credit loss provision to net charge-offs | 625.0000% | 598 |
| Earnings coverage of net charge-offs (x) | 146.0882% | 473 |
| Efficiency ratio | 58.3452% | 4,770 |
| Assets per employee ($millions) | 4.9000% | 2,492 |
| Cash dividends to net income (ytd only)* | 90.2027% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 4,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 27.4252% | 5,768 |
| Net loans and leases to deposits | 32.7758% | 5,776 |
| Net loans and leases to core deposits | 32.7758% | 5,794 |
| Total domestic deposits to total assets | 83.6752% | 3,330 |
| Equity capital to assets | 16.1122% | 537 |
| Core capital (leverage) ratio | 14.2463% | 781 |
| Tier 1 risk-based capital ratio | 32.3679% | 399 |
| Total risk-based capital ratio | 32.9715% | 413 |
| Memoranda: | ||
| Average total assets | $60,657,750 | 5,171 |
| Average earning assets | $57,296,750 | 5,140 |
| Average equity | $9,329,750 | 4,734 |
| Average total loans | $16,887,250 | 5,672 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1821% | 5,456 |
| Cost of funding earning assets | 0.1287% | 5,703 |
| Net interest margin | 3.0535% | 4,968 |
| Noninterest income to average assets | 0.2122% | 5,220 |
| Noninterest expense to average assets | 1.8571% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1692% | 1,701 |
| Return on assets (ROA) | 1.1880% | 1,742 |
| Pretax return on assets | 1.2403% | 2,634 |
| Return on Equity (ROE) | 7.8434% | 3,064 |
| Retained earnings to average equity (ytd only) | 0.8404% | 5,046 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3393% | 4,598 |
| Assets per employee ($millions) | 5.1395% | 2,153 |
| Cash dividends to net income (ytd only)* | 89.2857% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7814% | 5,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 28.4107% | 5,813 |
| Net loans and leases to deposits | 33.7046% | 5,827 |
| Net loans and leases to core deposits | 33.7046% | 5,851 |
| Total domestic deposits to total assets | 84.2932% | 3,159 |
| Equity capital to assets | 15.5171% | 620 |
| Core capital (leverage) ratio | 13.3555% | 1,035 |
| Tier 1 risk-based capital ratio | 30.5002% | 473 |
| Total risk-based capital ratio | 30.9947% | 497 |
| Memoranda: | ||
| Average total assets | $61,277,000 | 5,216 |
| Average earning assets | $57,508,330 | 5,184 |
| Average equity | $9,281,670 | 4,779 |
| Average total loans | $17,088,000 | 5,734 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2922% | 5,333 |
| Cost of funding earning assets | 0.1348% | 5,720 |
| Net interest margin | 3.1573% | 4,711 |
| Noninterest income to average assets | 0.1179% | 5,752 |
| Noninterest expense to average assets | 1.8534% | 5,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1264% | 1,807 |
| Return on assets (ROA) | 1.1264% | 1,910 |
| Pretax return on assets | 1.1788% | 2,786 |
| Return on Equity (ROE) | 7.5294% | 3,173 |
| Retained earnings to average equity (ytd only) | 0.3940% | 5,023 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1231% | 4,583 |
| Assets per employee ($millions) | 5.0868% | 2,253 |
| Cash dividends to net income (ytd only)* | 94.7674% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 5,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 25.6020% | 5,925 |
| Net loans and leases to deposits | 30.2288% | 5,926 |
| Net loans and leases to core deposits | 30.2288% | 5,943 |
| Total domestic deposits to total assets | 84.6941% | 3,243 |
| Equity capital to assets | 15.1535% | 664 |
| Core capital (leverage) ratio | 13.7818% | 873 |
| Tier 1 risk-based capital ratio | 32.8136% | 401 |
| Total risk-based capital ratio | 33.3475% | 422 |
| Memoranda: | ||
| Average total assets | $61,078,500 | 5,268 |
| Average earning assets | $56,376,500 | 5,256 |
| Average equity | $9,137,500 | 4,832 |
| Average total loans | $16,802,000 | 5,796 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2846% | 5,371 |
| Cost of funding earning assets | 0.1429% | 5,730 |
| Net interest margin | 3.1417% | 4,801 |
| Noninterest income to average assets | 0.1419% | 5,702 |
| Noninterest expense to average assets | 1.8686% | 5,652 |
| Loan and lease loss provision to assets | 0.0334% | 3,691 |
| Net operating income to assets | 1.0871% | 1,978 |
| Return on assets (ROA) | 1.0871% | 2,047 |
| Pretax return on assets | 1.1405% | 2,879 |
| Return on Equity (ROE) | 7.1325% | 3,444 |
| Retained earnings to average equity (ytd only) | -0.5369% | 5,602 |
| Net charge-offs to loans | 0.0122% | 4,058 |
| Credit loss provision to net charge-offs | 1,000.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 351.5000% | 197 |
| Efficiency ratio | 61.4160% | 4,700 |
| Assets per employee ($millions) | 5.0929% | 2,257 |
| Cash dividends to net income (ytd only)* | 107.5269% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 5,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 28.9618% | 5,918 |
| Net loans and leases to deposits | 34.0313% | 5,933 |
| Net loans and leases to core deposits | 34.0313% | 5,963 |
| Total domestic deposits to total assets | 85.1035% | 3,042 |
| Equity capital to assets | 14.7672% | 714 |
| Core capital (leverage) ratio | 13.5718% | 940 |
| Tier 1 risk-based capital ratio | 31.3339% | 451 |
| Total risk-based capital ratio | 31.8442% | 473 |
| Memoranda: | ||
| Average total assets | $59,886,000 | 5,322 |
| Average earning assets | $55,288,400 | 5,316 |
| Average equity | $9,127,200 | 4,816 |
| Average total loans | $16,422,000 | 5,851 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2923% | 5,423 |
| Cost of funding earning assets | 0.1435% | 5,825 |
| Net interest margin | 3.1488% | 4,821 |
| Noninterest income to average assets | 0.1231% | 5,856 |
| Noninterest expense to average assets | 1.8082% | 5,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1615% | 1,793 |
| Return on assets (ROA) | 1.1615% | 1,858 |
| Pretax return on assets | 1.2129% | 2,766 |
| Return on Equity (ROE) | 7.5604% | 3,305 |
| Retained earnings to average equity (ytd only) | -0.0874% | 5,613 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8519% | 4,912 |
| Assets per employee ($millions) | 4.9573% | 2,354 |
| Cash dividends to net income (ytd only)* | 101.1561% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7184% | 5,688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 27.8779% | 6,030 |
| Net loans and leases to deposits | 33.0155% | 6,033 |
| Net loans and leases to core deposits | 33.0155% | 6,060 |
| Total domestic deposits to total assets | 84.4389% | 3,242 |
| Equity capital to assets | 15.4199% | 657 |
| Core capital (leverage) ratio | 14.2239% | 804 |
| Tier 1 risk-based capital ratio | 32.6585% | 427 |
| Total risk-based capital ratio | 33.1186% | 441 |
| Memoranda: | ||
| Average total assets | $59,578,750 | 5,400 |
| Average earning assets | $54,833,750 | 5,391 |
| Average equity | $9,152,750 | 4,876 |
| Average total loans | $16,068,000 | 5,934 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2110% | 5,606 |
| Cost of funding earning assets | 0.1465% | 5,875 |
| Net interest margin | 3.0645% | 5,059 |
| Noninterest income to average assets | 0.1275% | 5,913 |
| Noninterest expense to average assets | 1.8319% | 5,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0569% | 2,115 |
| Return on assets (ROA) | 1.0569% | 2,225 |
| Pretax return on assets | 1.1039% | 3,159 |
| Return on Equity (ROE) | 6.8883% | 3,680 |
| Retained earnings to average equity (ytd only) | -0.7654% | 5,657 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4000% | 4,616 |
| Assets per employee ($millions) | 5.0246% | 2,247 |
| Cash dividends to net income (ytd only)* | 111.1111% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 5,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 26.5743% | 6,123 |
| Net loans and leases to deposits | 31.2595% | 6,130 |
| Net loans and leases to core deposits | 31.2595% | 6,145 |
| Total domestic deposits to total assets | 85.0120% | 3,116 |
| Equity capital to assets | 14.8652% | 726 |
| Core capital (leverage) ratio | 13.7841% | 909 |
| Tier 1 risk-based capital ratio | 33.4437% | 413 |
| Total risk-based capital ratio | 33.9165% | 429 |
| Memoranda: | ||
| Average total assets | $59,609,000 | 5,458 |
| Average earning assets | $54,625,330 | 5,447 |
| Average equity | $9,146,000 | 4,912 |
| Average total loans | $15,856,000 | 6,009 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2713% | 5,511 |
| Cost of funding earning assets | 0.1409% | 5,989 |
| Net interest margin | 3.1304% | 4,852 |
| Noninterest income to average assets | 0.1215% | 5,995 |
| Noninterest expense to average assets | 1.9640% | 5,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9584% | 2,457 |
| Return on assets (ROA) | 0.9584% | 2,591 |
| Pretax return on assets | 1.0056% | 3,477 |
| Return on Equity (ROE) | 6.1488% | 3,958 |
| Retained earnings to average equity (ytd only) | -1.4290% | 5,606 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1364% | 4,136 |
| Assets per employee ($millions) | 4.9528% | 2,416 |
| Cash dividends to net income (ytd only)* | 123.2394% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8309% | 5,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 24.0994% | 6,211 |
| Net loans and leases to deposits | 28.6426% | 6,212 |
| Net loans and leases to core deposits | 28.6426% | 6,225 |
| Total domestic deposits to total assets | 84.1384% | 3,766 |
| Equity capital to assets | 15.7152% | 590 |
| Core capital (leverage) ratio | 14.2149% | 762 |
| Tier 1 risk-based capital ratio | 34.7739% | 373 |
| Total risk-based capital ratio | 35.2654% | 385 |
| Memoranda: | ||
| Average total assets | $59,266,000 | 5,517 |
| Average earning assets | $53,923,000 | 5,513 |
| Average equity | $9,237,500 | 4,933 |
| Average total loans | $15,712,500 | 6,063 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2794% | 5,733 |
| Cost of funding earning assets | 0.1501% | 6,103 |
| Net interest margin | 3.1292% | 5,135 |
| Noninterest income to average assets | 0.1915% | 5,709 |
| Noninterest expense to average assets | 1.8390% | 6,019 |
| Loan and lease loss provision to assets | 0.0424% | 3,720 |
| Net operating income to assets | 1.1518% | 1,771 |
| Return on assets (ROA) | 1.2017% | 1,637 |
| Pretax return on assets | 1.2593% | 2,399 |
| Return on Equity (ROE) | 7.9631% | 3,157 |
| Retained earnings to average equity (ytd only) | 0.0899% | 5,727 |
| Net charge-offs to loans | -0.0065% | 5,505 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5499% | 5,280 |
| Assets per employee ($millions) | 4.9249% | 2,416 |
| Cash dividends to net income (ytd only)* | 98.8717% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7066% | 5,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 28.5318% | 6,223 |
| Net loans and leases to deposits | 33.8038% | 6,223 |
| Net loans and leases to core deposits | 33.8038% | 6,242 |
| Total domestic deposits to total assets | 84.4041% | 3,555 |
| Equity capital to assets | 15.4571% | 617 |
| Core capital (leverage) ratio | 14.1287% | 782 |
| Tier 1 risk-based capital ratio | 32.4722% | 415 |
| Total risk-based capital ratio | 32.9294% | 431 |
| Memoranda: | ||
| Average total assets | $59,001,000 | 5,572 |
| Average earning assets | $54,614,400 | 5,557 |
| Average equity | $8,903,600 | 4,997 |
| Average total loans | $15,273,200 | 6,157 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2567% | 5,832 |
| Cost of funding earning assets | 0.1518% | 6,175 |
| Net interest margin | 3.1049% | 5,241 |
| Noninterest income to average assets | 0.1876% | 5,789 |
| Noninterest expense to average assets | 1.5509% | 6,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4422% | 1,043 |
| Return on assets (ROA) | 1.4921% | 986 |
| Pretax return on assets | 1.5554% | 1,465 |
| Return on Equity (ROE) | 9.9481% | 2,244 |
| Retained earnings to average equity (ytd only) | 2.0197% | 5,042 |
| Net charge-offs to loans | -0.0090% | 5,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7772% | 6,063 |
| Assets per employee ($millions) | 4.7798% | 2,550 |
| Cash dividends to net income (ytd only)* | 79.6973% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5931% | 6,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 27.7595% | 6,321 |
| Net loans and leases to deposits | 33.4580% | 6,313 |
| Net loans and leases to core deposits | 33.4580% | 6,332 |
| Total domestic deposits to total assets | 82.9681% | 4,162 |
| Equity capital to assets | 15.9806% | 572 |
| Core capital (leverage) ratio | 14.7203% | 671 |
| Tier 1 risk-based capital ratio | 34.3898% | 376 |
| Total risk-based capital ratio | 34.7676% | 396 |
| Memoranda: | ||
| Average total assets | $58,976,500 | 5,635 |
| Average earning assets | $54,450,750 | 5,627 |
| Average equity | $8,845,750 | 5,051 |
| Average total loans | $14,846,000 | 6,230 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1974% | 5,959 |
| Cost of funding earning assets | 0.1514% | 6,259 |
| Net interest margin | 3.0460% | 5,405 |
| Noninterest income to average assets | 0.2083% | 5,707 |
| Noninterest expense to average assets | 1.5525% | 6,390 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3677% | 1,141 |
| Return on assets (ROA) | 1.3677% | 1,181 |
| Pretax return on assets | 1.4282% | 1,793 |
| Return on Equity (ROE) | 9.3146% | 2,456 |
| Retained earnings to average equity (ytd only) | 1.3045% | 5,219 |
| Net charge-offs to loans | -0.0138% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0857% | 6,058 |
| Assets per employee ($millions) | 5.0753% | 2,118 |
| Cash dividends to net income (ytd only)* | 85.9951% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6489% | 6,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 23.8822% | 6,455 |
| Net loans and leases to deposits | 28.1166% | 6,457 |
| Net loans and leases to core deposits | 28.1166% | 6,470 |
| Total domestic deposits to total assets | 84.9400% | 3,539 |
| Equity capital to assets | 14.9024% | 723 |
| Core capital (leverage) ratio | 14.0446% | 816 |
| Tier 1 risk-based capital ratio | 34.4688% | 362 |
| Total risk-based capital ratio | 34.8508% | 380 |
| Memoranda: | ||
| Average total assets | $59,516,330 | 5,675 |
| Average earning assets | $54,169,670 | 5,683 |
| Average equity | $8,739,000 | 5,100 |
| Average total loans | $14,455,670 | 6,302 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2781% | 5,886 |
| Cost of funding earning assets | 0.1422% | 6,395 |
| Net interest margin | 3.1359% | 5,130 |
| Noninterest income to average assets | 0.1224% | 6,235 |
| Noninterest expense to average assets | 1.6048% | 6,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2988% | 1,216 |
| Return on assets (ROA) | 1.2988% | 1,262 |
| Pretax return on assets | 1.3668% | 1,866 |
| Return on Equity (ROE) | 8.9143% | 2,501 |
| Retained earnings to average equity (ytd only) | 0.7467% | 5,289 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0046% | 6,008 |
| Assets per employee ($millions) | 5.4787% | 1,729 |
| Cash dividends to net income (ytd only)* | 91.6230% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7201% | 6,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 21.5030% | 6,550 |
| Net loans and leases to deposits | 25.2018% | 6,559 |
| Net loans and leases to core deposits | 25.2018% | 6,564 |
| Total domestic deposits to total assets | 85.3234% | 3,707 |
| Equity capital to assets | 14.5090% | 789 |
| Core capital (leverage) ratio | 14.3874% | 719 |
| Tier 1 risk-based capital ratio | 36.2685% | 309 |
| Total risk-based capital ratio | 36.6682% | 335 |
| Memoranda: | ||
| Average total assets | $58,823,000 | 5,744 |
| Average earning assets | $53,445,500 | 5,750 |
| Average equity | $8,570,500 | 5,158 |
| Average total loans | $14,363,500 | 6,367 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2340% | 6,097 |
| Cost of funding earning assets | 0.1630% | 6,484 |
| Net interest margin | 3.0710% | 5,399 |
| Noninterest income to average assets | 0.1945% | 5,923 |
| Noninterest expense to average assets | 1.7350% | 6,405 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2175% | 1,498 |
| Return on assets (ROA) | 1.2175% | 1,570 |
| Pretax return on assets | 1.2731% | 2,256 |
| Return on Equity (ROE) | 7.8730% | 3,097 |
| Retained earnings to average equity (ytd only) | 0.2246% | 5,744 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6790% | 5,771 |
| Assets per employee ($millions) | 5.2164% | 1,942 |
| Cash dividends to net income (ytd only)* | 97.1469% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5997% | 6,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 27.1523% | 6,544 |
| Net loans and leases to deposits | 31.8642% | 6,540 |
| Net loans and leases to core deposits | 31.8642% | 6,564 |
| Total domestic deposits to total assets | 85.2126% | 3,631 |
| Equity capital to assets | 14.6340% | 752 |
| Core capital (leverage) ratio | 14.5275% | 683 |
| Tier 1 risk-based capital ratio | 32.9974% | 398 |
| Total risk-based capital ratio | 33.3618% | 420 |
| Memoranda: | ||
| Average total assets | $57,577,800 | 5,819 |
| Average earning assets | $52,751,400 | 5,811 |
| Average equity | $8,903,800 | 5,110 |
| Average total loans | $14,060,400 | 6,448 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2266% | 6,161 |
| Cost of funding earning assets | 0.1664% | 6,570 |
| Net interest margin | 3.0601% | 5,433 |
| Noninterest income to average assets | 0.1805% | 6,117 |
| Noninterest expense to average assets | 1.5502% | 6,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3304% | 1,267 |
| Return on assets (ROA) | 1.3304% | 1,324 |
| Pretax return on assets | 1.3951% | 1,949 |
| Return on Equity (ROE) | 8.4896% | 2,882 |
| Retained earnings to average equity (ytd only) | 0.9449% | 5,604 |
| Net charge-offs to loans | -0.0097% | 5,885 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6316% | 6,214 |
| Assets per employee ($millions) | 5.2140% | 1,922 |
| Cash dividends to net income (ytd only)* | 88.8698% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6459% | 6,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 25.4804% | 6,657 |
| Net loans and leases to deposits | 31.1373% | 6,639 |
| Net loans and leases to core deposits | 31.1373% | 6,663 |
| Total domestic deposits to total assets | 81.8321% | 4,987 |
| Equity capital to assets | 15.0330% | 711 |
| Core capital (leverage) ratio | 14.8195% | 666 |
| Tier 1 risk-based capital ratio | 35.1364% | 334 |
| Total risk-based capital ratio | 35.5265% | 354 |
| Memoranda: | ||
| Average total assets | $57,627,250 | 5,886 |
| Average earning assets | $52,066,000 | 5,901 |
| Average equity | $9,030,500 | 5,133 |
| Average total loans | $13,657,000 | 6,538 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1156% | 6,325 |
| Cost of funding earning assets | 0.1718% | 6,619 |
| Net interest margin | 2.9438% | 5,707 |
| Noninterest income to average assets | 0.1767% | 6,151 |
| Noninterest expense to average assets | 1.5558% | 6,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1781% | 1,647 |
| Return on assets (ROA) | 1.1781% | 1,755 |
| Pretax return on assets | 1.2336% | 2,547 |
| Return on Equity (ROE) | 7.4182% | 3,384 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,846 |
| Net charge-offs to loans | -0.0150% | 5,878 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7764% | 5,991 |
| Assets per employee ($millions) | 4.8956% | 2,233 |
| Cash dividends to net income (ytd only)* | 100.0000% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6969% | 6,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 23.0412% | 6,740 |
| Net loans and leases to deposits | 26.9598% | 6,754 |
| Net loans and leases to core deposits | 26.9598% | 6,764 |
| Total domestic deposits to total assets | 85.4648% | 3,659 |
| Equity capital to assets | 14.3905% | 846 |
| Core capital (leverage) ratio | 14.1884% | 775 |
| Tier 1 risk-based capital ratio | 35.3122% | 332 |
| Total risk-based capital ratio | 35.7072% | 347 |
| Memoranda: | ||
| Average total assets | $57,718,330 | 5,924 |
| Average earning assets | $51,225,670 | 5,962 |
| Average equity | $9,166,670 | 5,134 |
| Average total loans | $13,306,330 | 6,590 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2437% | 6,248 |
| Cost of funding earning assets | 0.1829% | 6,658 |
| Net interest margin | 3.0608% | 5,394 |
| Noninterest income to average assets | 0.1678% | 6,258 |
| Noninterest expense to average assets | 1.8181% | 6,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9790% | 2,326 |
| Return on assets (ROA) | 0.9790% | 2,455 |
| Pretax return on assets | 1.0419% | 3,177 |
| Return on Equity (ROE) | 5.8805% | 4,114 |
| Retained earnings to average equity (ytd only) | -1.2601% | 5,987 |
| Net charge-offs to loans | -0.0304% | 5,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5697% | 5,072 |
| Assets per employee ($millions) | 4.9095% | 2,332 |
| Cash dividends to net income (ytd only)* | 121.4286% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 6,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 20.4535% | 6,848 |
| Net loans and leases to deposits | 24.4367% | 6,851 |
| Net loans and leases to core deposits | 24.4367% | 6,859 |
| Total domestic deposits to total assets | 83.7000% | 4,593 |
| Equity capital to assets | 16.0946% | 547 |
| Core capital (leverage) ratio | 14.4112% | 690 |
| Tier 1 risk-based capital ratio | 38.5576% | 259 |
| Total risk-based capital ratio | 38.9904% | 269 |
| Memoranda: | ||
| Average total assets | $57,204,000 | 5,988 |
| Average earning assets | $50,313,500 | 6,041 |
| Average equity | $9,523,000 | 5,103 |
| Average total loans | $13,144,000 | 6,656 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5745% | 6,262 |
| Cost of funding earning assets | 0.2487% | 6,678 |
| Net interest margin | 3.3258% | 5,159 |
| Noninterest income to average assets | 0.2176% | 5,872 |
| Noninterest expense to average assets | 1.9784% | 6,369 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2663% | 1,404 |
| Return on assets (ROA) | 1.2663% | 1,555 |
| Pretax return on assets | 1.3220% | 2,315 |
| Return on Equity (ROE) | 6.9317% | 3,680 |
| Retained earnings to average equity (ytd only) | -2.9824% | 6,262 |
| Net charge-offs to loans | -0.0077% | 6,431 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9437% | 5,549 |
| Assets per employee ($millions) | 4.6245% | 2,740 |
| Cash dividends to net income (ytd only)* | 143.0250% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6646% | 6,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 25.3163% | 6,826 |
| Net loans and leases to deposits | 30.6787% | 6,814 |
| Net loans and leases to core deposits | 30.6787% | 6,834 |
| Total domestic deposits to total assets | 82.5206% | 4,924 |
| Equity capital to assets | 17.2343% | 388 |
| Core capital (leverage) ratio | 14.9766% | 575 |
| Tier 1 risk-based capital ratio | 37.2120% | 287 |
| Total risk-based capital ratio | 37.6238% | 294 |
| Memoranda: | ||
| Average total assets | $53,780,400 | 6,097 |
| Average earning assets | $49,853,000 | 6,057 |
| Average equity | $9,824,400 | 5,014 |
| Average total loans | $12,920,400 | 6,743 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6657% | 6,290 |
| Cost of funding earning assets | 0.2601% | 6,771 |
| Net interest margin | 3.4056% | 5,020 |
| Noninterest income to average assets | 0.2049% | 6,061 |
| Noninterest expense to average assets | 1.7143% | 6,777 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5894% | 867 |
| Return on assets (ROA) | 1.5894% | 965 |
| Pretax return on assets | 1.6644% | 1,378 |
| Return on Equity (ROE) | 8.5745% | 3,005 |
| Retained earnings to average equity (ytd only) | 0.2561% | 6,001 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7396% | 6,533 |
| Assets per employee ($millions) | 4.4482% | 3,000 |
| Cash dividends to net income (ytd only)* | 97.0129% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6914% | 6,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 25.0253% | 6,944 |
| Net loans and leases to deposits | 30.9729% | 6,931 |
| Net loans and leases to core deposits | 30.9729% | 6,949 |
| Total domestic deposits to total assets | 80.7973% | 5,423 |
| Equity capital to assets | 18.9685% | 298 |
| Core capital (leverage) ratio | 16.5067% | 426 |
| Tier 1 risk-based capital ratio | 39.9021% | 247 |
| Total risk-based capital ratio | 40.3235% | 259 |
| Memoranda: | ||
| Average total assets | $53,352,000 | 6,176 |
| Average earning assets | $49,720,250 | 6,128 |
| Average equity | $9,889,500 | 5,050 |
| Average total loans | $12,614,750 | 6,842 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5523% | 6,540 |
| Cost of funding earning assets | 0.2733% | 6,827 |
| Net interest margin | 3.2790% | 5,503 |
| Noninterest income to average assets | 0.2025% | 6,107 |
| Noninterest expense to average assets | 1.6684% | 6,869 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5222% | 958 |
| Return on assets (ROA) | 1.5222% | 1,078 |
| Pretax return on assets | 1.5935% | 1,568 |
| Return on Equity (ROE) | 8.2764% | 3,127 |
| Retained earnings to average equity (ytd only) | -0.1223% | 6,064 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1494% | 6,568 |
| Assets per employee ($millions) | 4.4688% | 2,963 |
| Cash dividends to net income (ytd only)* | 101.4778% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7414% | 6,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 23.2186% | 7,049 |
| Net loans and leases to deposits | 28.5928% | 7,033 |
| Net loans and leases to core deposits | 28.5928% | 7,047 |
| Total domestic deposits to total assets | 81.2047% | 5,394 |
| Equity capital to assets | 18.5660% | 301 |
| Core capital (leverage) ratio | 15.8714% | 476 |
| Tier 1 risk-based capital ratio | 40.7282% | 218 |
| Total risk-based capital ratio | 41.1596% | 227 |
| Memoranda: | ||
| Average total assets | $53,343,330 | 6,216 |
| Average earning assets | $49,771,000 | 6,165 |
| Average equity | $9,811,000 | 5,071 |
| Average total loans | $12,336,000 | 6,908 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 6,465 |
| Cost of funding earning assets | 0.2927% | 6,866 |
| Net interest margin | 3.3901% | 5,154 |
| Noninterest income to average assets | 0.1880% | 6,254 |
| Noninterest expense to average assets | 1.9022% | 6,644 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3383% | 1,353 |
| Return on assets (ROA) | 1.3383% | 1,514 |
| Pretax return on assets | 1.4210% | 2,118 |
| Return on Equity (ROE) | 7.3112% | 3,601 |
| Retained earnings to average equity (ytd only) | -1.4376% | 6,211 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2398% | 6,013 |
| Assets per employee ($millions) | 4.5194% | 2,956 |
| Cash dividends to net income (ytd only)* | 119.6629% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8246% | 6,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 20.6240% | 7,133 |
| Net loans and leases to deposits | 25.2278% | 7,128 |
| Net loans and leases to core deposits | 25.2278% | 7,140 |
| Total domestic deposits to total assets | 81.7510% | 5,374 |
| Equity capital to assets | 18.0370% | 336 |
| Core capital (leverage) ratio | 16.3577% | 426 |
| Tier 1 risk-based capital ratio | 42.3785% | 194 |
| Total risk-based capital ratio | 42.8288% | 200 |
| Memoranda: | ||
| Average total assets | $53,202,500 | 6,258 |
| Average earning assets | $49,201,500 | 6,234 |
| Average equity | $9,738,500 | 5,109 |
| Average total loans | $12,232,000 | 6,972 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 6,352 |
| Cost of funding earning assets | 0.4373% | 6,774 |
| Net interest margin | 3.6188% | 4,658 |
| Noninterest income to average assets | 0.2217% | 5,944 |
| Noninterest expense to average assets | 2.1026% | 6,488 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4351% | 957 |
| Return on assets (ROA) | 1.4743% | 954 |
| Pretax return on assets | 1.5405% | 1,364 |
| Return on Equity (ROE) | 7.8217% | 3,000 |
| Retained earnings to average equity (ytd only) | 0.1754% | 5,759 |
| Net charge-offs to loans | 0.0154% | 6,223 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 385.5000% | 88 |
| Efficiency ratio | 58.3693% | 6,002 |
| Assets per employee ($millions) | 4.3477% | 3,165 |
| Cash dividends to net income (ytd only)* | 97.7573% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7053% | 6,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 25.0958% | 7,138 |
| Net loans and leases to deposits | 30.9271% | 7,115 |
| Net loans and leases to core deposits | 30.9271% | 7,135 |
| Total domestic deposits to total assets | 81.1451% | 5,410 |
| Equity capital to assets | 18.5828% | 306 |
| Core capital (leverage) ratio | 16.4172% | 421 |
| Tier 1 risk-based capital ratio | 40.8090% | 219 |
| Total risk-based capital ratio | 41.2409% | 225 |
| Memoranda: | ||
| Average total assets | $51,412,600 | 6,322 |
| Average earning assets | $48,026,600 | 6,257 |
| Average equity | $9,691,000 | 5,098 |
| Average total loans | $13,000,400 | 6,996 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 6,288 |
| Cost of funding earning assets | 0.4700% | 6,815 |
| Net interest margin | 3.6956% | 4,352 |
| Noninterest income to average assets | 0.1978% | 6,177 |
| Noninterest expense to average assets | 1.7882% | 7,009 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7661% | 552 |
| Return on assets (ROA) | 1.7960% | 568 |
| Pretax return on assets | 1.8793% | 821 |
| Return on Equity (ROE) | 9.4941% | 2,393 |
| Retained earnings to average equity (ytd only) | 1.8438% | 5,216 |
| Net charge-offs to loans | 0.0103% | 6,011 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 711.7594% | 46 |
| Efficiency ratio | 49.1768% | 6,871 |
| Assets per employee ($millions) | 4.0228% | 3,797 |
| Cash dividends to net income (ytd only)* | 80.5789% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 6,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 24.7529% | 7,214 |
| Net loans and leases to deposits | 31.2040% | 7,188 |
| Net loans and leases to core deposits | 31.2040% | 7,212 |
| Total domestic deposits to total assets | 79.3258% | 5,907 |
| Equity capital to assets | 18.9514% | 321 |
| Core capital (leverage) ratio | 17.1406% | 385 |
| Tier 1 risk-based capital ratio | 42.5655% | 208 |
| Total risk-based capital ratio | 43.0149% | 214 |
| Memoranda: | ||
| Average total assets | $51,222,750 | 6,382 |
| Average earning assets | $47,658,750 | 6,319 |
| Average equity | $9,690,000 | 5,131 |
| Average total loans | $12,954,000 | 7,067 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1216% | 6,441 |
| Cost of funding earning assets | 0.5077% | 6,823 |
| Net interest margin | 3.6139% | 4,666 |
| Noninterest income to average assets | 0.1809% | 6,365 |
| Noninterest expense to average assets | 1.7733% | 7,106 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6632% | 649 |
| Return on assets (ROA) | 1.6632% | 690 |
| Pretax return on assets | 1.7379% | 976 |
| Return on Equity (ROE) | 8.7975% | 2,598 |
| Retained earnings to average equity (ytd only) | 1.1023% | 5,418 |
| Net charge-offs to loans | -0.0155% | 6,768 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5039% | 6,903 |
| Assets per employee ($millions) | 4.0378% | 3,682 |
| Cash dividends to net income (ytd only)* | 87.4704% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7380% | 6,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 24.5980% | 7,307 |
| Net loans and leases to deposits | 30.3676% | 7,305 |
| Net loans and leases to core deposits | 30.5515% | 7,314 |
| Total domestic deposits to total assets | 81.0009% | 5,528 |
| Equity capital to assets | 18.7038% | 334 |
| Core capital (leverage) ratio | 16.5014% | 451 |
| Tier 1 risk-based capital ratio | 42.3219% | 209 |
| Total risk-based capital ratio | 42.7824% | 220 |
| Memoranda: | ||
| Average total assets | $50,864,670 | 6,452 |
| Average earning assets | $46,874,670 | 6,406 |
| Average equity | $9,616,330 | 5,150 |
| Average total loans | $12,925,670 | 7,131 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 6,027 |
| Cost of funding earning assets | 0.5359% | 6,846 |
| Net interest margin | 3.7602% | 3,797 |
| Noninterest income to average assets | 0.1758% | 6,470 |
| Noninterest expense to average assets | 1.8701% | 7,042 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6383% | 635 |
| Return on assets (ROA) | 1.6383% | 674 |
| Pretax return on assets | 1.7262% | 938 |
| Return on Equity (ROE) | 8.6175% | 2,649 |
| Retained earnings to average equity (ytd only) | 0.8407% | 5,494 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0000% | 6,856 |
| Assets per employee ($millions) | 3.9537% | 3,936 |
| Cash dividends to net income (ytd only)* | 90.2439% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 6,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 22.8336% | 7,390 |
| Net loans and leases to deposits | 28.0974% | 7,387 |
| Net loans and leases to core deposits | 28.2707% | 7,397 |
| Total domestic deposits to total assets | 81.2658% | 5,584 |
| Equity capital to assets | 18.4832% | 333 |
| Core capital (leverage) ratio | 17.2618% | 377 |
| Tier 1 risk-based capital ratio | 45.4682% | 167 |
| Total risk-based capital ratio | 45.9596% | 176 |
| Memoranda: | ||
| Average total assets | $50,051,000 | 6,531 |
| Average earning assets | $45,530,000 | 6,504 |
| Average equity | $9,515,500 | 5,170 |
| Average total loans | $12,884,500 | 7,185 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 6,654 |
| Cost of funding earning assets | 0.6997% | 6,889 |
| Net interest margin | 3.6783% | 4,451 |
| Noninterest income to average assets | 0.2381% | 6,094 |
| Noninterest expense to average assets | 2.0357% | 6,968 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5893% | 630 |
| Return on assets (ROA) | 1.5893% | 686 |
| Pretax return on assets | 1.6548% | 1,029 |
| Return on Equity (ROE) | 8.3210% | 2,568 |
| Retained earnings to average equity (ytd only) | -0.7480% | 5,754 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1613% | 6,695 |
| Assets per employee ($millions) | 3.7465% | 4,369 |
| Cash dividends to net income (ytd only)* | 108.9888% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6816% | 7,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 28.4227% | 7,393 |
| Net loans and leases to deposits | 35.4594% | 7,359 |
| Net loans and leases to core deposits | 35.6935% | 7,391 |
| Total domestic deposits to total assets | 80.1556% | 5,790 |
| Equity capital to assets | 19.5692% | 282 |
| Core capital (leverage) ratio | 17.1434% | 390 |
| Tier 1 risk-based capital ratio | 42.8132% | 195 |
| Total risk-based capital ratio | 43.2770% | 202 |
| Memoranda: | ||
| Average total assets | $50,399,200 | 6,519 |
| Average earning assets | $47,304,200 | 6,466 |
| Average equity | $9,626,200 | 5,227 |
| Average total loans | $13,556,800 | 7,226 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4506% | 6,724 |
| Cost of funding earning assets | 0.7436% | 6,934 |
| Net interest margin | 3.7070% | 4,370 |
| Noninterest income to average assets | 0.2204% | 6,333 |
| Noninterest expense to average assets | 1.8180% | 7,309 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7760% | 543 |
| Return on assets (ROA) | 1.7760% | 588 |
| Pretax return on assets | 1.8548% | 840 |
| Return on Equity (ROE) | 9.3538% | 2,369 |
| Retained earnings to average equity (ytd only) | 0.3039% | 5,665 |
| Net charge-offs to loans | 0.0099% | 6,529 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 708.7519% | 34 |
| Efficiency ratio | 49.5000% | 7,183 |
| Assets per employee ($millions) | 3.7410% | 4,413 |
| Cash dividends to net income (ytd only)* | 96.7506% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6777% | 7,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 28.3264% | 7,504 |
| Net loans and leases to deposits | 36.3014% | 7,466 |
| Net loans and leases to core deposits | 36.5479% | 7,492 |
| Total domestic deposits to total assets | 78.0314% | 6,252 |
| Equity capital to assets | 20.0234% | 285 |
| Core capital (leverage) ratio | 17.8805% | 361 |
| Tier 1 risk-based capital ratio | 43.6043% | 196 |
| Total risk-based capital ratio | 44.0667% | 202 |
| Memoranda: | ||
| Average total assets | $50,823,000 | 6,581 |
| Average earning assets | $47,333,250 | 6,541 |
| Average equity | $9,650,000 | 5,304 |
| Average total loans | $13,461,500 | 7,326 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 7,006 |
| Cost of funding earning assets | 0.7910% | 6,943 |
| Net interest margin | 3.5340% | 5,115 |
| Noninterest income to average assets | 0.2250% | 6,306 |
| Noninterest expense to average assets | 1.8971% | 7,267 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5130% | 893 |
| Return on assets (ROA) | 1.5130% | 955 |
| Pretax return on assets | 1.5867% | 1,335 |
| Return on Equity (ROE) | 8.1075% | 2,849 |
| Retained earnings to average equity (ytd only) | -0.9771% | 5,964 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4543% | 6,823 |
| Assets per employee ($millions) | 3.8562% | 4,080 |
| Cash dividends to net income (ytd only)* | 112.0513% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6998% | 7,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 26.8921% | 7,602 |
| Net loans and leases to deposits | 33.5766% | 7,585 |
| Net loans and leases to core deposits | 34.1828% | 7,598 |
| Total domestic deposits to total assets | 80.0918% | 5,699 |
| Equity capital to assets | 19.5192% | 310 |
| Core capital (leverage) ratio | 16.9552% | 448 |
| Tier 1 risk-based capital ratio | 43.6254% | 195 |
| Total risk-based capital ratio | 44.0966% | 201 |
| Memoranda: | ||
| Average total assets | $51,553,000 | 6,598 |
| Average earning assets | $47,537,670 | 6,571 |
| Average equity | $9,620,670 | 5,309 |
| Average total loans | $13,325,330 | 7,384 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4484% | 6,905 |
| Cost of funding earning assets | 0.8157% | 7,039 |
| Net interest margin | 3.6327% | 4,567 |
| Noninterest income to average assets | 0.2373% | 6,257 |
| Noninterest expense to average assets | 2.0588% | 7,040 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4006% | 1,073 |
| Return on assets (ROA) | 1.4006% | 1,145 |
| Pretax return on assets | 1.4848% | 1,554 |
| Return on Equity (ROE) | 7.6742% | 3,034 |
| Retained earnings to average equity (ytd only) | -1.4677% | 6,116 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0994% | 6,474 |
| Assets per employee ($millions) | 3.9584% | 3,973 |
| Cash dividends to net income (ytd only)* | 119.1257% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7545% | 7,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 24.2834% | 7,726 |
| Net loans and leases to deposits | 29.9399% | 7,731 |
| Net loans and leases to core deposits | 32.0205% | 7,715 |
| Total domestic deposits to total assets | 81.1073% | 5,421 |
| Equity capital to assets | 18.5332% | 373 |
| Core capital (leverage) ratio | 16.2508% | 542 |
| Tier 1 risk-based capital ratio | 45.2077% | 186 |
| Total risk-based capital ratio | 45.6954% | 194 |
| Memoranda: | ||
| Average total assets | $52,264,500 | 6,656 |
| Average earning assets | $47,567,500 | 6,645 |
| Average equity | $9,538,500 | 5,369 |
| Average total loans | $13,200,000 | 7,481 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 6,117 |
| Cost of funding earning assets | 0.9939% | 7,218 |
| Net interest margin | 4.0990% | 2,451 |
| Noninterest income to average assets | 0.3121% | 5,847 |
| Noninterest expense to average assets | 2.2845% | 6,790 |
| Loan and lease loss provision to assets | 0.0978% | 6,639 |
| Net operating income to assets | 1.6572% | 479 |
| Return on assets (ROA) | 1.7810% | 394 |
| Pretax return on assets | 1.8601% | 559 |
| Return on Equity (ROE) | 8.9705% | 2,035 |
| Retained earnings to average equity (ytd only) | 0.7545% | 4,485 |
| Net charge-offs to loans | 0.0078% | 7,125 |
| Credit loss provision to net charge-offs | 4,700.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 879.0000% | 28 |
| Efficiency ratio | 55.5387% | 7,066 |
| Assets per employee ($millions) | 4.0823% | 3,651 |
| Cash dividends to net income (ytd only)* | 91.5888% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6880% | 7,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 25.8413% | 7,785 |
| Net loans and leases to deposits | 31.6348% | 7,789 |
| Net loans and leases to core deposits | 39.2794% | 7,770 |
| Total domestic deposits to total assets | 81.6865% | 5,067 |
| Equity capital to assets | 17.9763% | 446 |
| Core capital (leverage) ratio | 17.5128% | 434 |
| Tier 1 risk-based capital ratio | 42.6319% | 212 |
| Total risk-based capital ratio | 43.0900% | 217 |
| Memoranda: | ||
| Average total assets | $48,062,000 | 6,784 |
| Average earning assets | $44,571,400 | 6,738 |
| Average equity | $9,542,400 | 5,432 |
| Average total loans | $12,900,800 | 7,552 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 5,487 |
| Cost of funding earning assets | 1.0488% | 7,288 |
| Net interest margin | 4.2407% | 1,903 |
| Noninterest income to average assets | 0.2905% | 6,157 |
| Noninterest expense to average assets | 2.0423% | 7,307 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.1234% | 223 |
| Return on assets (ROA) | 2.2929% | 170 |
| Pretax return on assets | 2.3983% | 232 |
| Return on Equity (ROE) | 11.2471% | 1,558 |
| Retained earnings to average equity (ytd only) | 2.9340% | 3,681 |
| Net charge-offs to loans | 0.0211% | 6,604 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 389.5019% | 95 |
| Efficiency ratio | 47.8958% | 7,667 |
| Assets per employee ($millions) | 3.5712% | 4,759 |
| Cash dividends to net income (ytd only)* | 73.9125% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3615% | 7,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 27.9003% | 7,846 |
| Net loans and leases to deposits | 35.4770% | 7,837 |
| Net loans and leases to core deposits | 38.9061% | 7,865 |
| Total domestic deposits to total assets | 78.6434% | 5,915 |
| Equity capital to assets | 20.9516% | 282 |
| Core capital (leverage) ratio | 18.8935% | 386 |
| Tier 1 risk-based capital ratio | 48.0364% | 181 |
| Total risk-based capital ratio | 48.2879% | 193 |
| Memoranda: | ||
| Average total assets | $46,810,000 | 6,885 |
| Average earning assets | $43,860,000 | 6,823 |
| Average equity | $9,543,000 | 5,477 |
| Average total loans | $12,673,750 | 7,636 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2807% | 5,744 |
| Cost of funding earning assets | 1.1084% | 7,361 |
| Net interest margin | 4.1724% | 2,088 |
| Noninterest income to average assets | 0.2812% | 6,257 |
| Noninterest expense to average assets | 2.0239% | 7,423 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0495% | 266 |
| Return on assets (ROA) | 2.0495% | 287 |
| Pretax return on assets | 2.1390% | 399 |
| Return on Equity (ROE) | 10.1459% | 1,971 |
| Retained earnings to average equity (ytd only) | 1.5820% | 4,450 |
| Net charge-offs to loans | 0.0478% | 5,807 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 167.3333% | 247 |
| Efficiency ratio | 48.6182% | 7,733 |
| Assets per employee ($millions) | 3.6648% | 4,409 |
| Cash dividends to net income (ytd only)* | 84.4075% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3577% | 7,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 26.8985% | 7,951 |
| Net loans and leases to deposits | 33.7948% | 7,941 |
| Net loans and leases to core deposits | 37.4248% | 7,957 |
| Total domestic deposits to total assets | 79.5936% | 5,596 |
| Equity capital to assets | 19.9005% | 392 |
| Core capital (leverage) ratio | 18.0350% | 511 |
| Tier 1 risk-based capital ratio | 47.6714% | 203 |
| Total risk-based capital ratio | 47.9194% | 206 |
| Memoranda: | ||
| Average total assets | $46,938,000 | 6,943 |
| Average earning assets | $43,668,330 | 6,895 |
| Average equity | $9,481,670 | 5,520 |
| Average total loans | $12,565,000 | 7,720 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4459% | 5,196 |
| Cost of funding earning assets | 1.1114% | 7,499 |
| Net interest margin | 4.3345% | 1,505 |
| Noninterest income to average assets | 0.2748% | 6,231 |
| Noninterest expense to average assets | 2.1981% | 6,870 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9920% | 355 |
| Return on assets (ROA) | 1.9920% | 405 |
| Pretax return on assets | 2.0951% | 543 |
| Return on Equity (ROE) | 9.7870% | 2,409 |
| Retained earnings to average equity (ytd only) | 0.8015% | 5,339 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2000% | 7,491 |
| Assets per employee ($millions) | 3.5725% | 4,646 |
| Cash dividends to net income (ytd only)* | 91.8103% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4099% | 7,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 25.6314% | 8,010 |
| Net loans and leases to deposits | 32.4183% | 8,007 |
| Net loans and leases to core deposits | 36.1351% | 8,025 |
| Total domestic deposits to total assets | 79.0647% | 5,697 |
| Equity capital to assets | 20.4595% | 394 |
| Core capital (leverage) ratio | 18.8632% | 462 |
| Tier 1 risk-based capital ratio | 50.1741% | 202 |
| Total risk-based capital ratio | 50.4539% | 211 |
| Memoranda: | ||
| Average total assets | $46,586,000 | 7,007 |
| Average earning assets | $43,188,500 | 6,969 |
| Average equity | $9,482,000 | 5,542 |
| Average total loans | $12,417,000 | 7,782 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5037% | 7,295 |
| Cost of funding earning assets | 1.5708% | 7,497 |
| Net interest margin | 3.9329% | 3,433 |
| Noninterest income to average assets | 0.3004% | 6,313 |
| Noninterest expense to average assets | 2.3342% | 6,606 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6325% | 787 |
| Return on assets (ROA) | 1.7200% | 625 |
| Pretax return on assets | 1.7957% | 956 |
| Return on Equity (ROE) | 8.6268% | 2,783 |
| Retained earnings to average equity (ytd only) | 3.0244% | 3,289 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7961% | 6,735 |
| Assets per employee ($millions) | 3.5945% | 4,427 |
| Cash dividends to net income (ytd only)* | 64.9418% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3804% | 8,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 27.4605% | 8,048 |
| Net loans and leases to deposits | 34.6427% | 8,051 |
| Net loans and leases to core deposits | 38.3560% | 8,077 |
| Total domestic deposits to total assets | 79.2677% | 5,278 |
| Equity capital to assets | 20.2487% | 450 |
| Core capital (leverage) ratio | 18.6551% | 544 |
| Tier 1 risk-based capital ratio | 47.4564% | 239 |
| Total risk-based capital ratio | 47.7216% | 245 |
| Memoranda: | ||
| Average total assets | $44,940,800 | 6,990 |
| Average earning assets | $42,716,800 | 6,912 |
| Average equity | $8,960,400 | 5,749 |
| Average total loans | $12,845,000 | 7,782 |