Home > Minnstar Bank > Performance and Condition Ratios
Minnstar Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3377% | 1,418 |
| Cost of funding earning assets | 1.8577% | 1,149 |
| Net interest margin | 3.4800% | 2,235 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.2067% | 3,109 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 1.1703% | 1,722 |
| Return on assets (ROA) | 1.1821% | 1,667 |
| Pretax return on assets | 1.3105% | 1,844 |
| Return on Equity (ROE) | 15.4100% | 1,207 |
| Retained earnings to average equity (ytd only) | 11.7442% | 665 |
| Net charge-offs to loans | 0.0017% | 2,762 |
| Credit loss provision to net charge-offs | 19,133.3333% | 24 |
| Earnings coverage of net charge-offs (x) | 1,084.0000% | 145 |
| Efficiency ratio | 58.3451% | 3,257 |
| Assets per employee ($millions) | 8.2903% | 1,285 |
| Cash dividends to net income (ytd only)* | 23.7705% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,295 |
| Loan loss allowance to noncurrent loans | 3,598.4375% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,471 |
| Noncurrent loans to loans | 0.0334% | 3,494 |
| Net loans and leases to total assets | 87.9500% | 88 |
| Net loans and leases to deposits | 103.7140% | 376 |
| Net loans and leases to core deposits | 113.5846% | 826 |
| Total domestic deposits to total assets | 84.8000% | 2,372 |
| Equity capital to assets | 7.8428% | 3,518 |
| Core capital (leverage) ratio | 8.1434% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9819% | 2,820 |
| Memoranda: | ||
| Average total assets | $206,412,600 | 2,945 |
| Average earning assets | $193,622,600 | 2,920 |
| Average equity | $15,837,600 | 3,200 |
| Average total loans | $180,832,600 | 2,438 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2042% | 1,445 |
| Cost of funding earning assets | 1.7055% | 1,177 |
| Net interest margin | 3.4987% | 2,209 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.2214% | 3,022 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.2019% | 1,796 |
| Return on assets (ROA) | 1.2110% | 1,754 |
| Pretax return on assets | 1.3024% | 2,037 |
| Return on Equity (ROE) | 15.8800% | 1,275 |
| Retained earnings to average equity (ytd only) | 11.2088% | 1,124 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.0055% | 2,717 |
| Assets per employee ($millions) | 8.7837% | 1,011 |
| Cash dividends to net income (ytd only)* | 29.3959% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 3,452 |
| Loan loss allowance to noncurrent loans | 2,783.3333% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 3,495 |
| Noncurrent loans to loans | 0.0353% | 3,513 |
| Net loans and leases to total assets | 87.7800% | 88 |
| Net loans and leases to deposits | 103.2075% | 379 |
| Net loans and leases to core deposits | 112.1904% | 787 |
| Total domestic deposits to total assets | 85.0500% | 2,480 |
| Equity capital to assets | 7.6425% | 3,272 |
| Core capital (leverage) ratio | 7.8785% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6677% | 2,871 |
| Memoranda: | ||
| Average total assets | $204,128,750 | 2,965 |
| Average earning assets | $191,531,500 | 2,943 |
| Average equity | $15,570,750 | 3,208 |
| Average total loans | $178,069,000 | 2,468 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9313% | 1,688 |
| Cost of funding earning assets | 1.4501% | 1,337 |
| Net interest margin | 3.4812% | 2,308 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.2021% | 3,070 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.2101% | 1,810 |
| Return on assets (ROA) | 1.2184% | 1,769 |
| Pretax return on assets | 1.3105% | 2,053 |
| Return on Equity (ROE) | 15.9800% | 1,269 |
| Retained earnings to average equity (ytd only) | 11.2146% | 1,146 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.8015% | 2,737 |
| Assets per employee ($millions) | 8.8590% | 953 |
| Cash dividends to net income (ytd only)* | 29.8374% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 3,492 |
| Loan loss allowance to noncurrent loans | 2,633.8235% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,464 |
| Noncurrent loans to loans | 0.0373% | 3,467 |
| Net loans and leases to total assets | 84.7900% | 225 |
| Net loans and leases to deposits | 97.5637% | 638 |
| Net loans and leases to core deposits | 104.9273% | 1,019 |
| Total domestic deposits to total assets | 86.9100% | 1,955 |
| Equity capital to assets | 7.4181% | 3,572 |
| Core capital (leverage) ratio | 8.0643% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6852% | 2,887 |
| Memoranda: | ||
| Average total assets | $201,902,333 | 2,988 |
| Average earning assets | $189,360,333 | 2,965 |
| Average equity | $15,390,667 | 3,239 |
| Average total loans | $175,130,333 | 2,485 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 1,699 |
| Cost of funding earning assets | 1.2458% | 1,351 |
| Net interest margin | 3.5219% | 2,306 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.2529% | 2,953 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.1702% | 2,026 |
| Return on assets (ROA) | 1.1702% | 1,988 |
| Pretax return on assets | 1.2638% | 2,271 |
| Return on Equity (ROE) | 15.1300% | 1,534 |
| Retained earnings to average equity (ytd only) | 13.8158% | 965 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.9693% | 2,571 |
| Assets per employee ($millions) | 8.8935% | 981 |
| Cash dividends to net income (ytd only)* | 8.6957% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 3,420 |
| Loan loss allowance to noncurrent loans | 2,515.7143% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,426 |
| Noncurrent loans to loans | 0.0406% | 3,444 |
| Net loans and leases to total assets | 87.1500% | 101 |
| Net loans and leases to deposits | 100.8803% | 406 |
| Net loans and leases to core deposits | 107.6564% | 772 |
| Total domestic deposits to total assets | 86.3900% | 2,481 |
| Equity capital to assets | 7.9174% | 3,302 |
| Core capital (leverage) ratio | 8.0248% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8480% | 2,962 |
| Memoranda: | ||
| Average total assets | $196,545,500 | 3,059 |
| Average earning assets | $183,650,000 | 3,038 |
| Average equity | $15,200,000 | 3,288 |
| Average total loans | $171,657,500 | 2,531 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9540% | 1,840 |
| Cost of funding earning assets | 0.5004% | 1,388 |
| Net interest margin | 3.4536% | 2,086 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.3863% | 2,464 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0434% | 2,404 |
| Return on assets (ROA) | 1.0644% | 2,266 |
| Pretax return on assets | 1.1758% | 2,517 |
| Return on Equity (ROE) | 13.1800% | 1,752 |
| Retained earnings to average equity (ytd only) | 6.2773% | 2,544 |
| Net charge-offs to loans | -0.0901% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.4271% | 2,031 |
| Assets per employee ($millions) | 8.9742% | 928 |
| Cash dividends to net income (ytd only)* | 52.3736% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 3,293 |
| Loan loss allowance to noncurrent loans | 2,405.5556% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,437 |
| Noncurrent loans to loans | 0.0421% | 3,464 |
| Net loans and leases to total assets | 85.7500% | 170 |
| Net loans and leases to deposits | 101.3517% | 391 |
| Net loans and leases to core deposits | 106.2200% | 739 |
| Total domestic deposits to total assets | 84.6100% | 3,080 |
| Equity capital to assets | 7.5514% | 3,356 |
| Core capital (leverage) ratio | 8.2619% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5126% | 3,030 |
| Memoranda: | ||
| Average total assets | $182,082,800 | 3,170 |
| Average earning assets | $170,664,200 | 3,140 |
| Average equity | $14,703,800 | 3,395 |
| Average total loans | $150,962,400 | 2,625 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8166% | 1,707 |
| Cost of funding earning assets | 0.3708% | 1,519 |
| Net interest margin | 3.4458% | 1,819 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.4378% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0345% | 2,342 |
| Return on assets (ROA) | 1.0345% | 2,311 |
| Pretax return on assets | 1.1168% | 2,671 |
| Return on Equity (ROE) | 12.5800% | 1,841 |
| Retained earnings to average equity (ytd only) | 8.5990% | 1,785 |
| Net charge-offs to loans | -0.1517% | 4,594 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.5816% | 1,945 |
| Assets per employee ($millions) | 8.5060% | 1,060 |
| Cash dividends to net income (ytd only)* | 31.6703% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,072 |
| Loan loss allowance to noncurrent loans | 2,381.0811% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 3,512 |
| Noncurrent loans to loans | 0.0457% | 3,558 |
| Net loans and leases to total assets | 85.5400% | 153 |
| Net loans and leases to deposits | 100.7629% | 335 |
| Net loans and leases to core deposits | 105.3379% | 603 |
| Total domestic deposits to total assets | 84.9000% | 3,310 |
| Equity capital to assets | 7.9366% | 2,940 |
| Core capital (leverage) ratio | 8.6283% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0985% | 3,026 |
| Memoranda: | ||
| Average total assets | $178,245,250 | 3,223 |
| Average earning assets | $167,580,000 | 3,196 |
| Average equity | $14,652,500 | 3,451 |
| Average total loans | $145,944,000 | 2,671 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6503% | 1,681 |
| Cost of funding earning assets | 0.3509% | 1,251 |
| Net interest margin | 3.2995% | 1,914 |
| Noninterest income to average assets | 0.3309% | 3,177 |
| Noninterest expense to average assets | 2.4486% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9128% | 2,530 |
| Return on assets (ROA) | 0.9128% | 2,499 |
| Pretax return on assets | 0.9938% | 2,756 |
| Return on Equity (ROE) | 10.9694% | 1,985 |
| Retained earnings to average equity (ytd only) | 6.9930% | 1,993 |
| Net charge-offs to loans | -0.2161% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1303% | 1,813 |
| Assets per employee ($millions) | 8.5124% | 1,062 |
| Cash dividends to net income (ytd only)* | 36.2500% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 2,960 |
| Loan loss allowance to noncurrent loans | 2,212.6582% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 3,541 |
| Noncurrent loans to loans | 0.0517% | 3,562 |
| Net loans and leases to total assets | 84.5089% | 166 |
| Net loans and leases to deposits | 96.0602% | 432 |
| Net loans and leases to core deposits | 99.7669% | 677 |
| Total domestic deposits to total assets | 87.9750% | 2,589 |
| Equity capital to assets | 8.1785% | 2,984 |
| Core capital (leverage) ratio | 8.4820% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5551% | 2,913 |
| Memoranda: | ||
| Average total assets | $175,283,000 | 3,285 |
| Average earning assets | $165,299,667 | 3,268 |
| Average equity | $14,586,000 | 3,536 |
| Average total loans | $140,644,333 | 2,748 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 1,981 |
| Cost of funding earning assets | 0.3515% | 1,187 |
| Net interest margin | 3.0857% | 2,219 |
| Noninterest income to average assets | 0.3273% | 3,142 |
| Noninterest expense to average assets | 2.4178% | 2,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8228% | 2,583 |
| Return on assets (ROA) | 0.8228% | 2,579 |
| Pretax return on assets | 0.8228% | 3,035 |
| Return on Equity (ROE) | 9.8016% | 2,045 |
| Retained earnings to average equity (ytd only) | 8.3190% | 1,482 |
| Net charge-offs to loans | -0.0089% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6088% | 1,673 |
| Assets per employee ($millions) | 8.0279% | 1,347 |
| Cash dividends to net income (ytd only)* | 15.1261% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 3,250 |
| Loan loss allowance to noncurrent loans | 1,974.0741% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 3,582 |
| Noncurrent loans to loans | 0.0566% | 3,576 |
| Net loans and leases to total assets | 80.0775% | 238 |
| Net loans and leases to deposits | 91.1645% | 464 |
| Net loans and leases to core deposits | 95.2018% | 686 |
| Total domestic deposits to total assets | 87.8384% | 2,605 |
| Equity capital to assets | 8.2525% | 3,366 |
| Core capital (leverage) ratio | 8.4818% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1271% | 2,863 |
| Memoranda: | ||
| Average total assets | $173,544,000 | 3,319 |
| Average earning assets | $163,852,000 | 3,287 |
| Average equity | $14,569,000 | 3,598 |
| Average total loans | $134,558,000 | 2,799 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0375% | 1,271 |
| Cost of funding earning assets | 0.4373% | 1,272 |
| Net interest margin | 3.6001% | 1,470 |
| Noninterest income to average assets | 0.4878% | 2,637 |
| Noninterest expense to average assets | 2.4268% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3326% | 1,506 |
| Return on assets (ROA) | 1.3326% | 1,543 |
| Pretax return on assets | 1.4306% | 1,946 |
| Return on Equity (ROE) | 15.2962% | 884 |
| Retained earnings to average equity (ytd only) | 6.4787% | 2,141 |
| Net charge-offs to loans | -0.0008% | 3,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9139% | 2,727 |
| Assets per employee ($millions) | 7.4119% | 1,665 |
| Cash dividends to net income (ytd only)* | 57.6449% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,527 |
| Loan loss allowance to noncurrent loans | 1,922.8916% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,648 |
| Noncurrent loans to loans | 0.0658% | 3,614 |
| Net loans and leases to total assets | 73.0276% | 748 |
| Net loans and leases to deposits | 83.5473% | 941 |
| Net loans and leases to core deposits | 87.7100% | 1,093 |
| Total domestic deposits to total assets | 87.4086% | 2,333 |
| Equity capital to assets | 8.5427% | 4,023 |
| Core capital (leverage) ratio | 8.6792% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4716% | 2,461 |
| Memoranda: | ||
| Average total assets | $164,411,000 | 3,354 |
| Average earning assets | $153,882,600 | 3,334 |
| Average equity | $14,323,800 | 3,704 |
| Average total loans | $123,657,800 | 2,917 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 1,002 |
| Cost of funding earning assets | 0.4640% | 1,263 |
| Net interest margin | 3.8065% | 1,104 |
| Noninterest income to average assets | 0.5083% | 2,585 |
| Noninterest expense to average assets | 2.4776% | 2,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5813% | 1,076 |
| Return on assets (ROA) | 1.5813% | 1,124 |
| Pretax return on assets | 1.5830% | 1,757 |
| Return on Equity (ROE) | 18.0590% | 623 |
| Retained earnings to average equity (ytd only) | 9.1323% | 1,646 |
| Net charge-offs to loans | 0.0054% | 2,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 386.8000% | 360 |
| Efficiency ratio | 61.0159% | 2,829 |
| Assets per employee ($millions) | 6.9816% | 1,883 |
| Cash dividends to net income (ytd only)* | 49.4306% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 2,343 |
| Loan loss allowance to noncurrent loans | 1,848.8372% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 3,783 |
| Noncurrent loans to loans | 0.0719% | 3,730 |
| Net loans and leases to total assets | 70.4419% | 1,041 |
| Net loans and leases to deposits | 80.8902% | 1,200 |
| Net loans and leases to core deposits | 84.9181% | 1,358 |
| Total domestic deposits to total assets | 87.0833% | 2,324 |
| Equity capital to assets | 8.7420% | 4,038 |
| Core capital (leverage) ratio | 8.7417% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4301% | 2,192 |
| Memoranda: | ||
| Average total assets | $162,895,250 | 3,402 |
| Average earning assets | $152,016,250 | 3,393 |
| Average equity | $14,264,000 | 3,757 |
| Average total loans | $123,050,000 | 2,962 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6543% | 573 |
| Cost of funding earning assets | 0.4924% | 1,245 |
| Net interest margin | 4.1620% | 625 |
| Noninterest income to average assets | 0.5566% | 2,383 |
| Noninterest expense to average assets | 2.5325% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9090% | 577 |
| Return on assets (ROA) | 1.9090% | 606 |
| Pretax return on assets | 1.9115% | 997 |
| Return on Equity (ROE) | 21.7883% | 334 |
| Retained earnings to average equity (ytd only) | 11.2479% | 1,066 |
| Net charge-offs to loans | -0.0161% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9874% | 3,411 |
| Assets per employee ($millions) | 6.8578% | 1,905 |
| Cash dividends to net income (ytd only)* | 48.3766% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,616 |
| Loan loss allowance to noncurrent loans | 1,844.8276% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 3,682 |
| Noncurrent loans to loans | 0.0685% | 3,850 |
| Net loans and leases to total assets | 76.2089% | 570 |
| Net loans and leases to deposits | 87.6728% | 796 |
| Net loans and leases to core deposits | 92.1182% | 1,000 |
| Total domestic deposits to total assets | 86.9242% | 2,366 |
| Equity capital to assets | 8.8002% | 3,974 |
| Core capital (leverage) ratio | 8.7412% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8145% | 2,432 |
| Memoranda: | ||
| Average total assets | $161,341,000 | 3,424 |
| Average earning assets | $150,698,333 | 3,405 |
| Average equity | $14,136,000 | 3,777 |
| Average total loans | $124,193,000 | 2,967 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8581% | 441 |
| Cost of funding earning assets | 0.5466% | 1,122 |
| Net interest margin | 4.3115% | 508 |
| Noninterest income to average assets | 0.6486% | 2,031 |
| Noninterest expense to average assets | 2.5520% | 2,019 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1212% | 471 |
| Return on assets (ROA) | 2.1212% | 513 |
| Pretax return on assets | 2.1262% | 772 |
| Return on Equity (ROE) | 24.2659% | 285 |
| Retained earnings to average equity (ytd only) | 14.9262% | 633 |
| Net charge-offs to loans | -0.0130% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5503% | 3,729 |
| Assets per employee ($millions) | 6.9032% | 1,862 |
| Cash dividends to net income (ytd only)* | 38.4888% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 2,485 |
| Loan loss allowance to noncurrent loans | 1,776.6667% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 3,812 |
| Noncurrent loans to loans | 0.0726% | 3,927 |
| Net loans and leases to total assets | 73.8616% | 829 |
| Net loans and leases to deposits | 85.1780% | 1,032 |
| Net loans and leases to core deposits | 92.5980% | 1,073 |
| Total domestic deposits to total assets | 86.7144% | 2,436 |
| Equity capital to assets | 8.5794% | 4,061 |
| Core capital (leverage) ratio | 8.9557% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8757% | 2,332 |
| Memoranda: | ||
| Average total assets | $159,718,000 | 3,440 |
| Average earning assets | $149,276,500 | 3,426 |
| Average equity | $13,962,000 | 3,796 |
| Average total loans | $122,772,000 | 2,990 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6953% | 901 |
| Cost of funding earning assets | 0.7308% | 1,560 |
| Net interest margin | 3.9646% | 1,052 |
| Noninterest income to average assets | 0.6963% | 1,876 |
| Noninterest expense to average assets | 2.7672% | 2,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5202% | 770 |
| Return on assets (ROA) | 1.5202% | 835 |
| Pretax return on assets | 1.5216% | 1,263 |
| Return on Equity (ROE) | 16.5798% | 449 |
| Retained earnings to average equity (ytd only) | 10.0497% | 574 |
| Net charge-offs to loans | -0.0120% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5214% | 2,737 |
| Assets per employee ($millions) | 6.4067% | 1,995 |
| Cash dividends to net income (ytd only)* | 39.3856% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 2,358 |
| Loan loss allowance to noncurrent loans | 1,696.8085% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 3,884 |
| Noncurrent loans to loans | 0.0773% | 3,983 |
| Net loans and leases to total assets | 78.0300% | 599 |
| Net loans and leases to deposits | 90.7715% | 865 |
| Net loans and leases to core deposits | 99.2440% | 943 |
| Total domestic deposits to total assets | 85.9632% | 2,380 |
| Equity capital to assets | 8.9165% | 4,127 |
| Core capital (leverage) ratio | 8.9939% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9413% | 2,941 |
| Memoranda: | ||
| Average total assets | $143,465,400 | 3,475 |
| Average earning assets | $130,001,200 | 3,506 |
| Average equity | $13,154,600 | 3,851 |
| Average total loans | $116,342,600 | 3,021 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9314% | 690 |
| Cost of funding earning assets | 0.7619% | 1,667 |
| Net interest margin | 4.1695% | 780 |
| Noninterest income to average assets | 0.7097% | 1,767 |
| Noninterest expense to average assets | 2.7500% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7072% | 565 |
| Return on assets (ROA) | 1.7072% | 631 |
| Pretax return on assets | 1.7091% | 952 |
| Return on Equity (ROE) | 18.4797% | 325 |
| Retained earnings to average equity (ytd only) | 14.2183% | 242 |
| Net charge-offs to loans | -0.0093% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6723% | 3,127 |
| Assets per employee ($millions) | 6.3603% | 1,944 |
| Cash dividends to net income (ytd only)* | 23.0599% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 2,132 |
| Loan loss allowance to noncurrent loans | 1,638.1443% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 3,364 |
| Noncurrent loans to loans | 0.0797% | 4,049 |
| Net loans and leases to total assets | 82.0948% | 426 |
| Net loans and leases to deposits | 96.4138% | 735 |
| Net loans and leases to core deposits | 106.3362% | 836 |
| Total domestic deposits to total assets | 85.1484% | 2,379 |
| Equity capital to assets | 9.4212% | 3,749 |
| Core capital (leverage) ratio | 9.5094% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8096% | 2,285 |
| Memoranda: | ||
| Average total assets | $140,891,750 | 3,487 |
| Average earning assets | $126,696,000 | 3,529 |
| Average equity | $13,015,750 | 3,867 |
| Average total loans | $115,034,750 | 3,042 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2507% | 519 |
| Cost of funding earning assets | 0.7906% | 1,871 |
| Net interest margin | 4.4601% | 546 |
| Noninterest income to average assets | 0.6686% | 1,867 |
| Noninterest expense to average assets | 2.8585% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7657% | 544 |
| Return on assets (ROA) | 1.7657% | 593 |
| Pretax return on assets | 1.7686% | 865 |
| Return on Equity (ROE) | 19.2471% | 285 |
| Retained earnings to average equity (ytd only) | 14.6705% | 238 |
| Net charge-offs to loans | -0.0089% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7775% | 3,163 |
| Assets per employee ($millions) | 6.2276% | 2,008 |
| Cash dividends to net income (ytd only)* | 23.7785% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 1,902 |
| Loan loss allowance to noncurrent loans | 1,586.0000% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 2,059 |
| Noncurrent loans to loans | 0.0833% | 4,126 |
| Net loans and leases to total assets | 82.6642% | 353 |
| Net loans and leases to deposits | 97.9258% | 661 |
| Net loans and leases to core deposits | 109.2953% | 763 |
| Total domestic deposits to total assets | 84.4151% | 2,591 |
| Equity capital to assets | 9.3050% | 3,826 |
| Core capital (leverage) ratio | 9.3186% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6355% | 2,343 |
| Memoranda: | ||
| Average total assets | $139,093,333 | 3,490 |
| Average earning assets | $123,450,333 | 3,560 |
| Average equity | $12,760,333 | 3,900 |
| Average total loans | $112,818,667 | 3,057 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 990 |
| Cost of funding earning assets | 0.8112% | 2,316 |
| Net interest margin | 4.1805% | 964 |
| Noninterest income to average assets | 0.4437% | 2,827 |
| Noninterest expense to average assets | 2.9630% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1005% | 1,841 |
| Return on assets (ROA) | 1.1005% | 1,940 |
| Pretax return on assets | 1.1064% | 2,498 |
| Return on Equity (ROE) | 12.0867% | 1,079 |
| Retained earnings to average equity (ytd only) | 7.3418% | 1,428 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8121% | 1,963 |
| Assets per employee ($millions) | 5.4709% | 2,154 |
| Cash dividends to net income (ytd only)* | 39.2573% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 1,602 |
| Loan loss allowance to noncurrent loans | 1,550.0000% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 1,566 |
| Noncurrent loans to loans | 0.0921% | 4,141 |
| Net loans and leases to total assets | 83.1540% | 339 |
| Net loans and leases to deposits | 99.5850% | 585 |
| Net loans and leases to core deposits | 112.4602% | 734 |
| Total domestic deposits to total assets | 83.5005% | 2,946 |
| Equity capital to assets | 9.6123% | 4,123 |
| Core capital (leverage) ratio | 9.6696% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2267% | 2,606 |
| Memoranda: | ||
| Average total assets | $137,022,500 | 3,487 |
| Average earning assets | $118,838,500 | 3,590 |
| Average equity | $12,476,500 | 3,949 |
| Average total loans | $109,233,000 | 3,092 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9867% | 1,518 |
| Cost of funding earning assets | 0.8043% | 2,665 |
| Net interest margin | 4.1824% | 1,353 |
| Noninterest income to average assets | 0.3978% | 3,305 |
| Noninterest expense to average assets | 3.1176% | 1,715 |
| Loan and lease loss provision to assets | 0.1182% | 1,789 |
| Net operating income to assets | 0.9093% | 3,169 |
| Return on assets (ROA) | 0.9093% | 3,261 |
| Pretax return on assets | 0.9108% | 3,710 |
| Return on Equity (ROE) | 10.0423% | 2,275 |
| Retained earnings to average equity (ytd only) | 2.8822% | 3,593 |
| Net charge-offs to loans | 0.1079% | 1,650 |
| Credit loss provision to net charge-offs | 133.8983% | 1,909 |
| Earnings coverage of net charge-offs (x) | 11.6610% | 2,477 |
| Efficiency ratio | 75.1849% | 1,463 |
| Assets per employee ($millions) | 5.4902% | 2,069 |
| Cash dividends to net income (ytd only)* | 71.2993% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 1,314 |
| Loan loss allowance to noncurrent loans | 1,491.5094% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.7888% | 1,639 |
| Noncurrent loans to loans | 0.0984% | 4,132 |
| Net loans and leases to total assets | 74.3443% | 1,698 |
| Net loans and leases to deposits | 86.0284% | 2,084 |
| Net loans and leases to core deposits | 93.8950% | 2,071 |
| Total domestic deposits to total assets | 86.4183% | 1,877 |
| Equity capital to assets | 8.6392% | 4,853 |
| Core capital (leverage) ratio | 9.5684% | 3,992 |
| Tier 1 risk-based capital ratio | 12.1148% | 4,295 |
| Total risk-based capital ratio | 13.3678% | 4,178 |
| Memoranda: | ||
| Average total assets | $133,724,200 | 3,516 |
| Average earning assets | $119,860,000 | 3,559 |
| Average equity | $12,108,800 | 3,985 |
| Average total loans | $109,384,400 | 3,100 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0011% | 1,533 |
| Cost of funding earning assets | 0.8052% | 2,692 |
| Net interest margin | 4.1959% | 1,387 |
| Noninterest income to average assets | 0.3904% | 3,376 |
| Noninterest expense to average assets | 3.1672% | 1,533 |
| Loan and lease loss provision to assets | 0.1602% | 1,169 |
| Net operating income to assets | 0.8925% | 3,373 |
| Return on assets (ROA) | 0.8925% | 3,448 |
| Pretax return on assets | 0.8945% | 3,887 |
| Return on Equity (ROE) | 9.7345% | 2,545 |
| Retained earnings to average equity (ytd only) | 3.6947% | 3,549 |
| Net charge-offs to loans | 0.1579% | 1,050 |
| Credit loss provision to net charge-offs | 121.5385% | 1,936 |
| Earnings coverage of net charge-offs (x) | 7.9999% | 2,696 |
| Efficiency ratio | 75.0180% | 1,443 |
| Assets per employee ($millions) | 5.3041% | 2,221 |
| Cash dividends to net income (ytd only)* | 62.0455% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 1,425 |
| Loan loss allowance to noncurrent loans | 1,388.4956% | 437 |
| Noncurrent assets plus other real estate owned to assets | 1.1171% | 1,170 |
| Noncurrent loans to loans | 0.1036% | 4,178 |
| Net loans and leases to total assets | 84.4609% | 302 |
| Net loans and leases to deposits | 99.8867% | 646 |
| Net loans and leases to core deposits | 111.2218% | 885 |
| Total domestic deposits to total assets | 84.5567% | 2,604 |
| Equity capital to assets | 9.6694% | 4,316 |
| Core capital (leverage) ratio | 9.6121% | 4,056 |
| Tier 1 risk-based capital ratio | 11.8890% | 4,467 |
| Total risk-based capital ratio | 13.1417% | 4,357 |
| Memoranda: | ||
| Average total assets | $131,469,250 | 3,578 |
| Average earning assets | $120,049,750 | 3,600 |
| Average equity | $12,053,000 | 4,027 |
| Average total loans | $109,804,750 | 3,129 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9087% | 1,724 |
| Cost of funding earning assets | 0.7734% | 2,782 |
| Net interest margin | 4.1353% | 1,506 |
| Noninterest income to average assets | 0.3733% | 3,449 |
| Noninterest expense to average assets | 3.2290% | 1,446 |
| Loan and lease loss provision to assets | 0.2378% | 666 |
| Net operating income to assets | 0.6864% | 4,045 |
| Return on assets (ROA) | 0.6864% | 4,101 |
| Pretax return on assets | 0.6894% | 4,355 |
| Return on Equity (ROE) | 7.6205% | 3,445 |
| Retained earnings to average equity (ytd only) | 1.5208% | 4,282 |
| Net charge-offs to loans | 0.2163% | 771 |
| Credit loss provision to net charge-offs | 132.7731% | 1,637 |
| Earnings coverage of net charge-offs (x) | 5.1765% | 2,685 |
| Efficiency ratio | 77.6892% | 1,195 |
| Assets per employee ($millions) | 4.6655% | 2,921 |
| Cash dividends to net income (ytd only)* | 80.0439% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 1,473 |
| Loan loss allowance to noncurrent loans | 849.4624% | 672 |
| Noncurrent assets plus other real estate owned to assets | 1.1868% | 1,125 |
| Noncurrent loans to loans | 0.1690% | 3,946 |
| Net loans and leases to total assets | 86.1387% | 204 |
| Net loans and leases to deposits | 101.9084% | 547 |
| Net loans and leases to core deposits | 113.0021% | 819 |
| Total domestic deposits to total assets | 84.5256% | 2,674 |
| Equity capital to assets | 9.5785% | 4,333 |
| Core capital (leverage) ratio | 9.3666% | 4,290 |
| Tier 1 risk-based capital ratio | 11.5636% | 4,654 |
| Total risk-based capital ratio | 12.8169% | 4,544 |
| Memoranda: | ||
| Average total assets | $132,859,670 | 3,584 |
| Average earning assets | $121,539,670 | 3,602 |
| Average equity | $11,967,670 | 4,053 |
| Average total loans | $110,044,330 | 3,139 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7337% | 2,099 |
| Cost of funding earning assets | 0.7174% | 2,960 |
| Net interest margin | 4.0163% | 1,802 |
| Noninterest income to average assets | 0.3316% | 3,643 |
| Noninterest expense to average assets | 3.3249% | 1,240 |
| Loan and lease loss provision to assets | 0.1555% | 1,075 |
| Net operating income to assets | 0.5253% | 4,448 |
| Return on assets (ROA) | 0.5253% | 4,468 |
| Pretax return on assets | 0.5312% | 4,619 |
| Return on Equity (ROE) | 6.0075% | 4,014 |
| Retained earnings to average equity (ytd only) | -0.0671% | 4,538 |
| Net charge-offs to loans | 0.3745% | 416 |
| Credit loss provision to net charge-offs | 51.4563% | 1,967 |
| Earnings coverage of net charge-offs (x) | 2.2718% | 2,510 |
| Efficiency ratio | 82.8822% | 800 |
| Assets per employee ($millions) | 4.7980% | 2,790 |
| Cash dividends to net income (ytd only)* | 101.1173% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 1,835 |
| Loan loss allowance to noncurrent loans | 727.3171% | 790 |
| Noncurrent assets plus other real estate owned to assets | 1.1687% | 1,156 |
| Noncurrent loans to loans | 0.1867% | 3,918 |
| Net loans and leases to total assets | 83.6165% | 408 |
| Net loans and leases to deposits | 97.3996% | 853 |
| Net loans and leases to core deposits | 107.1223% | 1,094 |
| Total domestic deposits to total assets | 85.8489% | 2,339 |
| Equity capital to assets | 9.2192% | 4,513 |
| Core capital (leverage) ratio | 9.3030% | 4,359 |
| Tier 1 risk-based capital ratio | 11.2654% | 4,855 |
| Total risk-based capital ratio | 12.5166% | 4,765 |
| Memoranda: | ||
| Average total assets | $136,305,000 | 3,572 |
| Average earning assets | $124,891,500 | 3,584 |
| Average equity | $11,918,500 | 4,068 |
| Average total loans | $110,022,500 | 3,170 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 1,982 |
| Cost of funding earning assets | 0.5414% | 3,103 |
| Net interest margin | 4.1111% | 1,649 |
| Noninterest income to average assets | 0.3842% | 3,534 |
| Noninterest expense to average assets | 3.1021% | 1,790 |
| Loan and lease loss provision to assets | 0.1076% | 2,047 |
| Net operating income to assets | 0.9070% | 3,417 |
| Return on assets (ROA) | 0.9070% | 3,404 |
| Pretax return on assets | 0.9085% | 3,876 |
| Return on Equity (ROE) | 10.0312% | 2,506 |
| Retained earnings to average equity (ytd only) | 2.4387% | 4,169 |
| Net charge-offs to loans | -0.0148% | 4,606 |
| Credit loss provision to net charge-offs | -887.5000% | 4,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3266% | 1,449 |
| Assets per employee ($millions) | 5.7226% | 1,747 |
| Cash dividends to net income (ytd only)* | 75.6892% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,647 |
| Loan loss allowance to noncurrent loans | 386.2155% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 1.1939% | 1,098 |
| Noncurrent loans to loans | 0.3620% | 3,241 |
| Net loans and leases to total assets | 75.9739% | 1,619 |
| Net loans and leases to deposits | 87.7894% | 2,068 |
| Net loans and leases to core deposits | 94.3229% | 2,201 |
| Total domestic deposits to total assets | 86.5411% | 1,993 |
| Equity capital to assets | 8.3137% | 5,040 |
| Core capital (leverage) ratio | 9.3372% | 4,316 |
| Tier 1 risk-based capital ratio | 11.2416% | 4,840 |
| Total risk-based capital ratio | 12.4938% | 4,760 |
| Memoranda: | ||
| Average total assets | $131,976,400 | 3,625 |
| Average earning assets | $119,871,800 | 3,647 |
| Average equity | $11,932,800 | 4,040 |
| Average total loans | $107,967,600 | 3,170 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 1,739 |
| Cost of funding earning assets | 0.5103% | 3,126 |
| Net interest margin | 4.1686% | 1,447 |
| Noninterest income to average assets | 0.5118% | 2,791 |
| Noninterest expense to average assets | 3.2341% | 1,448 |
| Loan and lease loss provision to assets | 0.0908% | 2,162 |
| Net operating income to assets | 0.9618% | 3,260 |
| Return on assets (ROA) | 0.9618% | 3,268 |
| Pretax return on assets | 0.9638% | 3,837 |
| Return on Equity (ROE) | 10.4052% | 2,435 |
| Retained earnings to average equity (ytd only) | 8.0495% | 1,626 |
| Net charge-offs to loans | -0.0497% | 4,929 |
| Credit loss provision to net charge-offs | -220.0000% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4090% | 1,418 |
| Assets per employee ($millions) | 4.8065% | 2,711 |
| Cash dividends to net income (ytd only)* | 22.6397% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 1,783 |
| Loan loss allowance to noncurrent loans | 359.7619% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 1.5020% | 851 |
| Noncurrent loans to loans | 0.3837% | 3,279 |
| Net loans and leases to total assets | 86.3854% | 227 |
| Net loans and leases to deposits | 103.3171% | 581 |
| Net loans and leases to core deposits | 109.9305% | 1,039 |
| Total domestic deposits to total assets | 83.6119% | 3,082 |
| Equity capital to assets | 9.8328% | 3,796 |
| Core capital (leverage) ratio | 9.9869% | 3,651 |
| Tier 1 risk-based capital ratio | 11.8749% | 4,569 |
| Total risk-based capital ratio | 13.1267% | 4,451 |
| Memoranda: | ||
| Average total assets | $129,204,250 | 3,690 |
| Average earning assets | $117,062,000 | 3,736 |
| Average equity | $11,942,500 | 4,070 |
| Average total loans | $107,401,250 | 3,204 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 2,129 |
| Cost of funding earning assets | 0.4719% | 3,210 |
| Net interest margin | 4.0155% | 1,809 |
| Noninterest income to average assets | 0.5650% | 2,498 |
| Noninterest expense to average assets | 3.1880% | 1,566 |
| Loan and lease loss provision to assets | 0.1194% | 1,656 |
| Net operating income to assets | 0.8896% | 3,499 |
| Return on assets (ROA) | 0.8896% | 3,507 |
| Pretax return on assets | 0.8927% | 3,986 |
| Return on Equity (ROE) | 9.8247% | 2,647 |
| Retained earnings to average equity (ytd only) | 7.6264% | 1,786 |
| Net charge-offs to loans | -0.0656% | 5,014 |
| Credit loss provision to net charge-offs | -222.8571% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9023% | 1,437 |
| Assets per employee ($millions) | 4.5869% | 2,986 |
| Cash dividends to net income (ytd only)* | 22.3752% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 1,799 |
| Loan loss allowance to noncurrent loans | 230.1538% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 1.7013% | 720 |
| Noncurrent loans to loans | 0.6022% | 2,609 |
| Net loans and leases to total assets | 85.9439% | 270 |
| Net loans and leases to deposits | 103.3549% | 562 |
| Net loans and leases to core deposits | 108.0895% | 1,113 |
| Total domestic deposits to total assets | 83.1542% | 3,366 |
| Equity capital to assets | 9.7176% | 3,903 |
| Core capital (leverage) ratio | 9.8517% | 3,734 |
| Tier 1 risk-based capital ratio | 11.8199% | 4,607 |
| Total risk-based capital ratio | 13.0723% | 4,491 |
| Memoranda: | ||
| Average total assets | $130,616,000 | 3,701 |
| Average earning assets | $118,242,670 | 3,740 |
| Average equity | $11,827,330 | 4,113 |
| Average total loans | $106,713,000 | 3,228 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 2,275 |
| Cost of funding earning assets | 0.4485% | 3,208 |
| Net interest margin | 3.9279% | 1,937 |
| Noninterest income to average assets | 0.6806% | 1,908 |
| Noninterest expense to average assets | 3.2358% | 1,486 |
| Loan and lease loss provision to assets | 0.1970% | 848 |
| Net operating income to assets | 0.7970% | 3,712 |
| Return on assets (ROA) | 0.7970% | 3,722 |
| Pretax return on assets | 0.8030% | 4,139 |
| Return on Equity (ROE) | 9.1099% | 2,859 |
| Retained earnings to average equity (ytd only) | 7.0627% | 2,253 |
| Net charge-offs to loans | -0.0188% | 4,526 |
| Credit loss provision to net charge-offs | -1,320.0000% | 4,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3918% | 1,542 |
| Assets per employee ($millions) | 4.4502% | 3,243 |
| Cash dividends to net income (ytd only)* | 22.4719% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 1,931 |
| Loan loss allowance to noncurrent loans | 347.8469% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 1.5200% | 908 |
| Noncurrent loans to loans | 0.3959% | 3,369 |
| Net loans and leases to total assets | 83.5730% | 482 |
| Net loans and leases to deposits | 98.6333% | 818 |
| Net loans and leases to core deposits | 103.5746% | 1,409 |
| Total domestic deposits to total assets | 84.7311% | 3,025 |
| Equity capital to assets | 9.4707% | 4,117 |
| Core capital (leverage) ratio | 9.4594% | 4,108 |
| Tier 1 risk-based capital ratio | 11.8593% | 4,643 |
| Total risk-based capital ratio | 13.1117% | 4,524 |
| Memoranda: | ||
| Average total assets | $134,000,500 | 3,678 |
| Average earning assets | $121,286,500 | 3,730 |
| Average equity | $11,723,500 | 4,164 |
| Average total loans | $106,102,000 | 3,262 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 1,838 |
| Cost of funding earning assets | 0.4204% | 3,050 |
| Net interest margin | 4.0417% | 1,619 |
| Noninterest income to average assets | 0.4394% | 3,377 |
| Noninterest expense to average assets | 3.0065% | 2,154 |
| Loan and lease loss provision to assets | 0.1284% | 1,786 |
| Net operating income to assets | 0.9830% | 2,314 |
| Return on assets (ROA) | 0.9830% | 2,349 |
| Pretax return on assets | 0.9845% | 3,634 |
| Return on Equity (ROE) | 11.4845% | 1,345 |
| Retained earnings to average equity (ytd only) | 5.7775% | 1,669 |
| Net charge-offs to loans | 0.7276% | 290 |
| Credit loss provision to net charge-offs | 21.8790% | 3,599 |
| Earnings coverage of net charge-offs (x) | 1.8970% | 3,834 |
| Efficiency ratio | 72.9839% | 2,065 |
| Assets per employee ($millions) | 5.3109% | 2,133 |
| Cash dividends to net income (ytd only)* | 49.6928% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,228 |
| Loan loss allowance to noncurrent loans | 249.1892% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 1.5147% | 898 |
| Noncurrent loans to loans | 0.5206% | 2,955 |
| Net loans and leases to total assets | 73.3847% | 2,026 |
| Net loans and leases to deposits | 84.5594% | 2,430 |
| Net loans and leases to core deposits | 87.5290% | 2,763 |
| Total domestic deposits to total assets | 86.7848% | 2,096 |
| Equity capital to assets | 8.1216% | 5,340 |
| Core capital (leverage) ratio | 9.0152% | 4,633 |
| Tier 1 risk-based capital ratio | 11.3712% | 4,938 |
| Total risk-based capital ratio | 12.6217% | 4,812 |
| Memoranda: | ||
| Average total assets | $132,446,400 | 3,710 |
| Average earning assets | $120,591,600 | 3,734 |
| Average equity | $11,337,000 | 4,245 |
| Average total loans | $106,788,200 | 3,231 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 1,587 |
| Cost of funding earning assets | 0.4162% | 3,029 |
| Net interest margin | 4.1036% | 1,379 |
| Noninterest income to average assets | 0.4081% | 3,630 |
| Noninterest expense to average assets | 3.0447% | 1,978 |
| Loan and lease loss provision to assets | 0.0925% | 2,236 |
| Net operating income to assets | 1.0187% | 2,482 |
| Return on assets (ROA) | 1.0187% | 2,517 |
| Pretax return on assets | 1.0207% | 3,602 |
| Return on Equity (ROE) | 11.7347% | 1,415 |
| Retained earnings to average equity (ytd only) | 6.0272% | 2,215 |
| Net charge-offs to loans | 0.6041% | 326 |
| Credit loss provision to net charge-offs | 18.5950% | 3,169 |
| Earnings coverage of net charge-offs (x) | 2.2376% | 3,489 |
| Efficiency ratio | 73.2262% | 2,006 |
| Assets per employee ($millions) | 4.8987% | 2,574 |
| Cash dividends to net income (ytd only)* | 48.6377% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,451 |
| Loan loss allowance to noncurrent loans | 125.5704% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.8286% | 745 |
| Noncurrent loans to loans | 1.2129% | 1,564 |
| Net loans and leases to total assets | 81.0210% | 838 |
| Net loans and leases to deposits | 95.1412% | 1,188 |
| Net loans and leases to core deposits | 98.9823% | 1,800 |
| Total domestic deposits to total assets | 85.1586% | 2,655 |
| Equity capital to assets | 9.0651% | 4,857 |
| Core capital (leverage) ratio | 9.1069% | 4,628 |
| Tier 1 risk-based capital ratio | 11.5623% | 4,918 |
| Total risk-based capital ratio | 12.8158% | 4,800 |
| Memoranda: | ||
| Average total assets | $129,709,250 | 3,788 |
| Average earning assets | $118,526,750 | 3,812 |
| Average equity | $11,259,750 | 4,304 |
| Average total loans | $106,832,000 | 3,261 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 1,635 |
| Cost of funding earning assets | 0.4062% | 3,014 |
| Net interest margin | 4.0514% | 1,456 |
| Noninterest income to average assets | 0.4200% | 3,567 |
| Noninterest expense to average assets | 3.1221% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9947% | 2,449 |
| Return on assets (ROA) | 0.9947% | 2,500 |
| Pretax return on assets | 0.9978% | 3,578 |
| Return on Equity (ROE) | 11.6263% | 1,414 |
| Retained earnings to average equity (ytd only) | 5.8579% | 2,193 |
| Net charge-offs to loans | 0.7125% | 273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.6997% | 3,255 |
| Efficiency ratio | 75.7813% | 1,751 |
| Assets per employee ($millions) | 4.6705% | 2,829 |
| Cash dividends to net income (ytd only)* | 49.6148% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,672 |
| Loan loss allowance to noncurrent loans | 98.4681% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 2.1332% | 573 |
| Noncurrent loans to loans | 1.4962% | 1,259 |
| Net loans and leases to total assets | 85.2224% | 325 |
| Net loans and leases to deposits | 97.5395% | 932 |
| Net loans and leases to core deposits | 101.8818% | 1,518 |
| Total domestic deposits to total assets | 87.3722% | 1,775 |
| Equity capital to assets | 9.0149% | 4,883 |
| Core capital (leverage) ratio | 9.0222% | 4,696 |
| Tier 1 risk-based capital ratio | 10.9997% | 5,251 |
| Total risk-based capital ratio | 12.2529% | 5,150 |
| Memoranda: | ||
| Average total assets | $130,490,000 | 3,799 |
| Average earning assets | $119,167,670 | 3,822 |
| Average equity | $11,164,330 | 4,335 |
| Average total loans | $107,512,670 | 3,256 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 1,873 |
| Cost of funding earning assets | 0.4060% | 2,938 |
| Net interest margin | 3.9275% | 1,680 |
| Noninterest income to average assets | 0.3859% | 3,765 |
| Noninterest expense to average assets | 3.1895% | 1,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7778% | 3,323 |
| Return on assets (ROA) | 0.7778% | 3,382 |
| Pretax return on assets | 0.7838% | 4,169 |
| Return on Equity (ROE) | 9.3288% | 2,261 |
| Retained earnings to average equity (ytd only) | 3.6881% | 3,598 |
| Net charge-offs to loans | -0.0112% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2731% | 1,352 |
| Assets per employee ($millions) | 5.1028% | 2,300 |
| Cash dividends to net income (ytd only)* | 60.4651% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 856 |
| Loan loss allowance to noncurrent loans | 80.6230% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.5210% | 452 |
| Noncurrent loans to loans | 2.3095% | 711 |
| Net loans and leases to total assets | 82.3413% | 533 |
| Net loans and leases to deposits | 93.0662% | 1,212 |
| Net loans and leases to core deposits | 97.1047% | 1,739 |
| Total domestic deposits to total assets | 88.4760% | 1,439 |
| Equity capital to assets | 8.7176% | 5,060 |
| Core capital (leverage) ratio | 8.5594% | 5,184 |
| Tier 1 risk-based capital ratio | 10.9950% | 5,313 |
| Total risk-based capital ratio | 12.2534% | 5,218 |
| Memoranda: | ||
| Average total assets | $132,683,500 | 3,802 |
| Average earning assets | $121,196,000 | 3,824 |
| Average equity | $11,062,500 | 4,376 |
| Average total loans | $106,731,500 | 3,292 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 1,692 |
| Cost of funding earning assets | 0.4287% | 2,720 |
| Net interest margin | 4.0196% | 1,579 |
| Noninterest income to average assets | 0.3672% | 4,118 |
| Noninterest expense to average assets | 2.9987% | 2,359 |
| Loan and lease loss provision to assets | 0.3411% | 512 |
| Net operating income to assets | 0.7006% | 3,779 |
| Return on assets (ROA) | 0.7006% | 3,888 |
| Pretax return on assets | 0.7021% | 4,478 |
| Return on Equity (ROE) | 8.4003% | 2,743 |
| Retained earnings to average equity (ytd only) | 3.0739% | 3,711 |
| Net charge-offs to loans | 0.0800% | 2,542 |
| Credit loss provision to net charge-offs | 527.3810% | 633 |
| Earnings coverage of net charge-offs (x) | 16.1310% | 2,137 |
| Efficiency ratio | 74.1905% | 2,264 |
| Assets per employee ($millions) | 5.2999% | 2,057 |
| Cash dividends to net income (ytd only)* | 63.4066% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 847 |
| Loan loss allowance to noncurrent loans | 82.9858% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 2.2801% | 552 |
| Noncurrent loans to loans | 2.2532% | 748 |
| Net loans and leases to total assets | 75.7907% | 1,543 |
| Net loans and leases to deposits | 86.2020% | 2,137 |
| Net loans and leases to core deposits | 90.4476% | 2,461 |
| Total domestic deposits to total assets | 87.9222% | 1,667 |
| Equity capital to assets | 7.9856% | 5,570 |
| Core capital (leverage) ratio | 8.4390% | 5,327 |
| Tier 1 risk-based capital ratio | 10.8739% | 5,404 |
| Total risk-based capital ratio | 12.1319% | 5,293 |
| Memoranda: | ||
| Average total assets | $129,890,400 | 3,829 |
| Average earning assets | $118,743,200 | 3,853 |
| Average equity | $10,833,000 | 4,447 |
| Average total loans | $104,991,200 | 3,297 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 1,460 |
| Cost of funding earning assets | 0.4314% | 2,722 |
| Net interest margin | 4.0945% | 1,400 |
| Noninterest income to average assets | 0.3836% | 4,038 |
| Noninterest expense to average assets | 3.0624% | 2,116 |
| Loan and lease loss provision to assets | 0.3888% | 385 |
| Net operating income to assets | 0.6796% | 3,967 |
| Return on assets (ROA) | 0.6796% | 4,090 |
| Pretax return on assets | 0.6817% | 4,662 |
| Return on Equity (ROE) | 8.0564% | 2,974 |
| Retained earnings to average equity (ytd only) | 1.5322% | 4,901 |
| Net charge-offs to loans | -0.0064% | 4,662 |
| Credit loss provision to net charge-offs | -7,460.0000% | 5,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0984% | 2,264 |
| Assets per employee ($millions) | 5.0804% | 2,278 |
| Cash dividends to net income (ytd only)* | 80.9815% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9006% | 849 |
| Loan loss allowance to noncurrent loans | 68.4731% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 2.3605% | 594 |
| Noncurrent loans to loans | 2.7757% | 581 |
| Net loans and leases to total assets | 81.6422% | 668 |
| Net loans and leases to deposits | 93.6390% | 1,300 |
| Net loans and leases to core deposits | 98.7045% | 1,752 |
| Total domestic deposits to total assets | 87.1883% | 1,810 |
| Equity capital to assets | 8.5907% | 5,479 |
| Core capital (leverage) ratio | 8.6064% | 5,253 |
| Tier 1 risk-based capital ratio | 10.7183% | 5,516 |
| Total risk-based capital ratio | 11.9771% | 5,419 |
| Memoranda: | ||
| Average total assets | $127,913,500 | 3,887 |
| Average earning assets | $117,130,500 | 3,907 |
| Average equity | $10,790,250 | 4,497 |
| Average total loans | $104,632,000 | 3,315 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 1,531 |
| Cost of funding earning assets | 0.4133% | 2,907 |
| Net interest margin | 4.0807% | 1,412 |
| Noninterest income to average assets | 0.3416% | 4,335 |
| Noninterest expense to average assets | 3.1369% | 1,959 |
| Loan and lease loss provision to assets | 0.2465% | 792 |
| Net operating income to assets | 0.6973% | 3,804 |
| Return on assets (ROA) | 0.6973% | 3,960 |
| Pretax return on assets | 0.7004% | 4,619 |
| Return on Equity (ROE) | 8.3163% | 2,826 |
| Retained earnings to average equity (ytd only) | 1.4698% | 4,791 |
| Net charge-offs to loans | 0.0115% | 3,316 |
| Credit loss provision to net charge-offs | 2,633.3333% | 169 |
| Earnings coverage of net charge-offs (x) | 101.1667% | 571 |
| Efficiency ratio | 76.8144% | 1,957 |
| Assets per employee ($millions) | 4.7232% | 2,666 |
| Cash dividends to net income (ytd only)* | 82.3266% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 1,349 |
| Loan loss allowance to noncurrent loans | 96.2223% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.5610% | 1,202 |
| Noncurrent loans to loans | 1.7315% | 1,216 |
| Net loans and leases to total assets | 85.6943% | 275 |
| Net loans and leases to deposits | 98.8094% | 806 |
| Net loans and leases to core deposits | 103.3265% | 1,375 |
| Total domestic deposits to total assets | 86.7268% | 2,050 |
| Equity capital to assets | 8.8458% | 5,365 |
| Core capital (leverage) ratio | 8.5788% | 5,285 |
| Tier 1 risk-based capital ratio | 10.4462% | 5,693 |
| Total risk-based capital ratio | 11.7017% | 5,610 |
| Memoranda: | ||
| Average total assets | $128,215,000 | 3,912 |
| Average earning assets | $117,577,670 | 3,924 |
| Average equity | $10,750,000 | 4,535 |
| Average total loans | $104,275,330 | 3,335 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 1,915 |
| Cost of funding earning assets | 0.3839% | 3,259 |
| Net interest margin | 3.9791% | 1,676 |
| Noninterest income to average assets | 0.3391% | 4,307 |
| Noninterest expense to average assets | 3.2905% | 1,626 |
| Loan and lease loss provision to assets | 0.2750% | 606 |
| Net operating income to assets | 0.4094% | 4,967 |
| Return on assets (ROA) | 0.4094% | 5,044 |
| Pretax return on assets | 0.4155% | 5,275 |
| Return on Equity (ROE) | 5.0124% | 4,480 |
| Retained earnings to average equity (ytd only) | 0.4863% | 4,996 |
| Net charge-offs to loans | -0.0389% | 5,195 |
| Credit loss provision to net charge-offs | -900.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6554% | 1,302 |
| Assets per employee ($millions) | 4.6499% | 2,821 |
| Cash dividends to net income (ytd only)* | 90.2985% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6511% | 1,484 |
| Loan loss allowance to noncurrent loans | 71.2639% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.9857% | 878 |
| Noncurrent loans to loans | 2.3169% | 861 |
| Net loans and leases to total assets | 82.1261% | 541 |
| Net loans and leases to deposits | 94.3287% | 1,109 |
| Net loans and leases to core deposits | 98.7653% | 1,578 |
| Total domestic deposits to total assets | 87.0637% | 2,182 |
| Equity capital to assets | 8.5602% | 5,525 |
| Core capital (leverage) ratio | 8.5703% | 5,323 |
| Tier 1 risk-based capital ratio | 10.6278% | 5,693 |
| Total risk-based capital ratio | 11.8832% | 5,604 |
| Memoranda: | ||
| Average total assets | $130,920,500 | 3,898 |
| Average earning assets | $119,827,000 | 3,911 |
| Average equity | $10,693,500 | 4,561 |
| Average total loans | $102,903,500 | 3,373 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 2,110 |
| Cost of funding earning assets | 0.3834% | 3,337 |
| Net interest margin | 3.9501% | 1,868 |
| Noninterest income to average assets | 0.3388% | 4,484 |
| Noninterest expense to average assets | 2.9278% | 2,774 |
| Loan and lease loss provision to assets | 0.1522% | 1,545 |
| Net operating income to assets | 0.8723% | 3,011 |
| Return on assets (ROA) | 0.8836% | 3,048 |
| Pretax return on assets | 0.8852% | 3,906 |
| Return on Equity (ROE) | 10.5196% | 1,796 |
| Retained earnings to average equity (ytd only) | 4.6160% | 2,696 |
| Net charge-offs to loans | 0.0043% | 4,298 |
| Credit loss provision to net charge-offs | 4,750.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 320.2500% | 221 |
| Efficiency ratio | 74.0478% | 2,571 |
| Assets per employee ($millions) | 5.0480% | 2,310 |
| Cash dividends to net income (ytd only)* | 56.1197% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 1,563 |
| Loan loss allowance to noncurrent loans | 71.0675% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.7308% | 1,106 |
| Noncurrent loans to loans | 2.2730% | 849 |
| Net loans and leases to total assets | 72.8853% | 1,908 |
| Net loans and leases to deposits | 80.6605% | 2,748 |
| Net loans and leases to core deposits | 84.0041% | 2,963 |
| Total domestic deposits to total assets | 90.3606% | 479 |
| Equity capital to assets | 7.8066% | 5,919 |
| Core capital (leverage) ratio | 8.5973% | 5,336 |
| Tier 1 risk-based capital ratio | 10.8802% | 5,586 |
| Total risk-based capital ratio | 12.1344% | 5,496 |
| Memoranda: | ||
| Average total assets | $124,836,400 | 3,990 |
| Average earning assets | $114,249,800 | 3,995 |
| Average equity | $10,485,200 | 4,569 |
| Average total loans | $94,104,200 | 3,501 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 1,972 |
| Cost of funding earning assets | 0.3837% | 3,394 |
| Net interest margin | 4.0003% | 1,705 |
| Noninterest income to average assets | 0.3553% | 4,399 |
| Noninterest expense to average assets | 3.0269% | 2,442 |
| Loan and lease loss provision to assets | 0.1093% | 2,060 |
| Net operating income to assets | 0.8865% | 3,013 |
| Return on assets (ROA) | 0.9018% | 3,038 |
| Pretax return on assets | 0.9040% | 3,968 |
| Return on Equity (ROE) | 10.5296% | 1,891 |
| Retained earnings to average equity (ytd only) | 7.1474% | 1,622 |
| Net charge-offs to loans | 0.0130% | 3,723 |
| Credit loss provision to net charge-offs | 1,111.1111% | 339 |
| Earnings coverage of net charge-offs (x) | 101.4417% | 618 |
| Efficiency ratio | 75.2037% | 2,369 |
| Assets per employee ($millions) | 4.5124% | 2,992 |
| Cash dividends to net income (ytd only)* | 32.1209% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 1,888 |
| Loan loss allowance to noncurrent loans | 66.9573% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.9682% | 1,048 |
| Noncurrent loans to loans | 2.3445% | 899 |
| Net loans and leases to total assets | 79.0481% | 950 |
| Net loans and leases to deposits | 90.4675% | 1,586 |
| Net loans and leases to core deposits | 94.8353% | 1,996 |
| Total domestic deposits to total assets | 87.3773% | 1,858 |
| Equity capital to assets | 8.8242% | 5,468 |
| Core capital (leverage) ratio | 8.9174% | 5,094 |
| Tier 1 risk-based capital ratio | 11.0743% | 5,620 |
| Total risk-based capital ratio | 12.3274% | 5,510 |
| Memoranda: | ||
| Average total assets | $121,971,750 | 4,083 |
| Average earning assets | $111,887,750 | 4,086 |
| Average equity | $10,446,500 | 4,629 |
| Average total loans | $92,387,750 | 3,567 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3133% | 2,124 |
| Cost of funding earning assets | 0.3780% | 3,520 |
| Net interest margin | 3.9354% | 1,872 |
| Noninterest income to average assets | 0.3196% | 4,674 |
| Noninterest expense to average assets | 3.0586% | 2,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8589% | 3,089 |
| Return on assets (ROA) | 0.8818% | 3,095 |
| Pretax return on assets | 0.8851% | 4,008 |
| Return on Equity (ROE) | 10.4012% | 1,891 |
| Retained earnings to average equity (ytd only) | 10.4012% | 602 |
| Net charge-offs to loans | 0.0309% | 3,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 37.5714% | 1,180 |
| Efficiency ratio | 78.0100% | 2,072 |
| Assets per employee ($millions) | 4.3870% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 2,321 |
| Loan loss allowance to noncurrent loans | 72.4924% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.7543% | 1,338 |
| Noncurrent loans to loans | 2.0616% | 1,171 |
| Net loans and leases to total assets | 79.6301% | 853 |
| Net loans and leases to deposits | 91.2248% | 1,459 |
| Net loans and leases to core deposits | 95.7564% | 1,823 |
| Total domestic deposits to total assets | 87.2899% | 2,017 |
| Equity capital to assets | 8.8308% | 5,400 |
| Core capital (leverage) ratio | 9.0219% | 4,937 |
| Tier 1 risk-based capital ratio | 11.0286% | 5,697 |
| Total risk-based capital ratio | 12.2809% | 5,619 |
| Memoranda: | ||
| Average total assets | $122,017,000 | 4,119 |
| Average earning assets | $111,654,330 | 4,123 |
| Average equity | $10,345,000 | 4,677 |
| Average total loans | $90,568,670 | 3,619 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 2,637 |
| Cost of funding earning assets | 0.3721% | 3,621 |
| Net interest margin | 3.7772% | 2,313 |
| Noninterest income to average assets | 0.4136% | 3,890 |
| Noninterest expense to average assets | 3.0565% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7948% | 3,292 |
| Return on assets (ROA) | 0.7948% | 3,421 |
| Pretax return on assets | 0.8013% | 4,235 |
| Return on Equity (ROE) | 9.5650% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.5650% | 1,030 |
| Net charge-offs to loans | 0.0818% | 1,888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.7778% | 1,699 |
| Efficiency ratio | 79.2295% | 1,994 |
| Assets per employee ($millions) | 4.3093% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 1,945 |
| Loan loss allowance to noncurrent loans | 76.3510% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.8521% | 1,316 |
| Noncurrent loans to loans | 2.1356% | 1,200 |
| Net loans and leases to total assets | 73.9919% | 1,500 |
| Net loans and leases to deposits | 85.0231% | 1,947 |
| Net loans and leases to core deposits | 89.3394% | 2,193 |
| Total domestic deposits to total assets | 87.0256% | 2,353 |
| Equity capital to assets | 9.0072% | 5,283 |
| Core capital (leverage) ratio | 8.8470% | 5,140 |
| Tier 1 risk-based capital ratio | 11.6018% | 5,495 |
| Total risk-based capital ratio | 12.8563% | 5,409 |
| Memoranda: | ||
| Average total assets | $123,801,000 | 4,110 |
| Average earning assets | $112,888,000 | 4,123 |
| Average equity | $10,287,500 | 4,724 |
| Average total loans | $87,977,000 | 3,700 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5113% | 1,827 |
| Cost of funding earning assets | 0.4172% | 3,510 |
| Net interest margin | 4.0940% | 1,596 |
| Noninterest income to average assets | 0.2241% | 5,524 |
| Noninterest expense to average assets | 2.9169% | 3,090 |
| Loan and lease loss provision to assets | 0.0853% | 2,766 |
| Net operating income to assets | 0.8954% | 2,899 |
| Return on assets (ROA) | 0.8987% | 2,969 |
| Pretax return on assets | 0.9004% | 3,901 |
| Return on Equity (ROE) | 11.0383% | 1,716 |
| Retained earnings to average equity (ytd only) | 4.7234% | 2,819 |
| Net charge-offs to loans | -0.0119% | 5,590 |
| Credit loss provision to net charge-offs | -1,020.0000% | 5,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8070% | 2,697 |
| Assets per employee ($millions) | 4.6875% | 2,746 |
| Cash dividends to net income (ytd only)* | 57.2093% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6339% | 1,975 |
| Loan loss allowance to noncurrent loans | 82.7606% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.5787% | 1,717 |
| Noncurrent loans to loans | 1.9743% | 1,415 |
| Net loans and leases to total assets | 66.2789% | 2,843 |
| Net loans and leases to deposits | 74.6563% | 3,356 |
| Net loans and leases to core deposits | 77.9196% | 3,529 |
| Total domestic deposits to total assets | 88.7787% | 1,369 |
| Equity capital to assets | 7.6914% | 6,183 |
| Core capital (leverage) ratio | 8.6866% | 5,360 |
| Tier 1 risk-based capital ratio | 10.6317% | 6,048 |
| Total risk-based capital ratio | 11.8850% | 5,988 |
| Memoranda: | ||
| Average total assets | $119,612,600 | 4,189 |
| Average earning assets | $107,375,400 | 4,239 |
| Average equity | $9,738,800 | 4,804 |
| Average total loans | $83,770,400 | 3,773 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 1,437 |
| Cost of funding earning assets | 0.4297% | 3,468 |
| Net interest margin | 4.2181% | 1,232 |
| Noninterest income to average assets | 0.1839% | 5,819 |
| Noninterest expense to average assets | 2.9910% | 2,830 |
| Loan and lease loss provision to assets | 0.1165% | 2,114 |
| Net operating income to assets | 0.8534% | 3,157 |
| Return on assets (ROA) | 0.8580% | 3,229 |
| Pretax return on assets | 0.8603% | 4,143 |
| Return on Equity (ROE) | 10.3765% | 2,042 |
| Retained earnings to average equity (ytd only) | 9.6856% | 781 |
| Net charge-offs to loans | -0.0129% | 5,491 |
| Credit loss provision to net charge-offs | -1,275.0000% | 5,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4684% | 2,579 |
| Assets per employee ($millions) | 4.1944% | 3,496 |
| Cash dividends to net income (ytd only)* | 6.6583% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 1,953 |
| Loan loss allowance to noncurrent loans | 81.9421% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.7770% | 1,684 |
| Noncurrent loans to loans | 2.0811% | 1,510 |
| Net loans and leases to total assets | 70.8218% | 2,051 |
| Net loans and leases to deposits | 81.0896% | 2,538 |
| Net loans and leases to core deposits | 84.2784% | 2,851 |
| Total domestic deposits to total assets | 87.3378% | 2,134 |
| Equity capital to assets | 8.6816% | 5,655 |
| Core capital (leverage) ratio | 9.0537% | 4,995 |
| Tier 1 risk-based capital ratio | 11.7619% | 5,634 |
| Total risk-based capital ratio | 13.0163% | 5,555 |
| Memoranda: | ||
| Average total assets | $116,703,250 | 4,287 |
| Average earning assets | $104,562,500 | 4,337 |
| Average equity | $9,649,750 | 4,866 |
| Average total loans | $82,604,000 | 3,830 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 1,424 |
| Cost of funding earning assets | 0.4352% | 3,493 |
| Net interest margin | 4.2063% | 1,232 |
| Noninterest income to average assets | 0.1271% | 6,175 |
| Noninterest expense to average assets | 3.0432% | 2,679 |
| Loan and lease loss provision to assets | 0.0378% | 3,538 |
| Net operating income to assets | 0.8140% | 3,260 |
| Return on assets (ROA) | 0.8140% | 3,364 |
| Pretax return on assets | 0.8140% | 4,218 |
| Return on Equity (ROE) | 10.0130% | 2,147 |
| Retained earnings to average equity (ytd only) | 8.9568% | 998 |
| Net charge-offs to loans | -0.0293% | 5,675 |
| Credit loss provision to net charge-offs | -183.3333% | 5,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1305% | 2,273 |
| Assets per employee ($millions) | 4.2467% | 3,374 |
| Cash dividends to net income (ytd only)* | 10.5485% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 2,290 |
| Loan loss allowance to noncurrent loans | 178.2269% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 1.0178% | 3,033 |
| Noncurrent loans to loans | 0.9261% | 3,402 |
| Net loans and leases to total assets | 71.0346% | 1,917 |
| Net loans and leases to deposits | 82.1895% | 2,231 |
| Net loans and leases to core deposits | 85.9883% | 2,514 |
| Total domestic deposits to total assets | 86.4278% | 2,804 |
| Equity capital to assets | 8.6507% | 5,663 |
| Core capital (leverage) ratio | 8.8910% | 5,173 |
| Tier 1 risk-based capital ratio | 11.7657% | 5,657 |
| Total risk-based capital ratio | 13.0200% | 5,594 |
| Memoranda: | ||
| Average total assets | $116,456,330 | 4,319 |
| Average earning assets | $104,320,000 | 4,357 |
| Average equity | $9,467,670 | 4,917 |
| Average total loans | $81,932,330 | 3,853 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 1,963 |
| Cost of funding earning assets | 0.4328% | 3,618 |
| Net interest margin | 4.0174% | 1,698 |
| Noninterest income to average assets | 0.0579% | 6,465 |
| Noninterest expense to average assets | 3.0949% | 2,550 |
| Loan and lease loss provision to assets | 0.0750% | 2,640 |
| Net operating income to assets | 0.4636% | 4,885 |
| Return on assets (ROA) | 0.4636% | 4,953 |
| Pretax return on assets | 0.4636% | 5,276 |
| Return on Equity (ROE) | 5.8862% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.8862% | 2,600 |
| Net charge-offs to loans | -0.0736% | 5,981 |
| Credit loss provision to net charge-offs | -146.6667% | 4,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1782% | 1,523 |
| Assets per employee ($millions) | 4.6042% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 2,407 |
| Loan loss allowance to noncurrent loans | 98.7032% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.6359% | 2,159 |
| Noncurrent loans to loans | 1.7057% | 2,277 |
| Net loans and leases to total assets | 69.5064% | 1,984 |
| Net loans and leases to deposits | 78.0196% | 2,552 |
| Net loans and leases to core deposits | 80.3168% | 2,932 |
| Total domestic deposits to total assets | 89.0883% | 1,598 |
| Equity capital to assets | 8.1768% | 5,925 |
| Core capital (leverage) ratio | 8.6241% | 5,500 |
| Tier 1 risk-based capital ratio | 12.3137% | 5,431 |
| Total risk-based capital ratio | 13.5697% | 5,357 |
| Memoranda: | ||
| Average total assets | $117,354,000 | 4,326 |
| Average earning assets | $104,446,500 | 4,398 |
| Average equity | $9,242,000 | 4,991 |
| Average total loans | $81,490,500 | 3,897 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 1,691 |
| Cost of funding earning assets | 0.5111% | 3,486 |
| Net interest margin | 4.1479% | 1,511 |
| Noninterest income to average assets | 0.0872% | 6,433 |
| Noninterest expense to average assets | 3.0695% | 2,836 |
| Loan and lease loss provision to assets | 0.0959% | 3,203 |
| Net operating income to assets | 0.5937% | 4,291 |
| Return on assets (ROA) | 0.6207% | 4,279 |
| Pretax return on assets | 0.6207% | 4,804 |
| Return on Equity (ROE) | 7.5174% | 3,289 |
| Retained earnings to average equity (ytd only) | 2.0694% | 4,766 |
| Net charge-offs to loans | -0.0693% | 6,405 |
| Credit loss provision to net charge-offs | -211.5385% | 5,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6558% | 1,924 |
| Assets per employee ($millions) | 4.7841% | 2,471 |
| Cash dividends to net income (ytd only)* | 72.4719% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 2,633 |
| Loan loss allowance to noncurrent loans | 96.5942% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.8219% | 2,015 |
| Noncurrent loans to loans | 1.6911% | 2,374 |
| Net loans and leases to total assets | 67.1159% | 2,498 |
| Net loans and leases to deposits | 77.2745% | 2,820 |
| Net loans and leases to core deposits | 80.7103% | 3,046 |
| Total domestic deposits to total assets | 86.8539% | 2,800 |
| Equity capital to assets | 7.5852% | 6,241 |
| Core capital (leverage) ratio | 8.4685% | 5,706 |
| Tier 1 risk-based capital ratio | 11.8418% | 5,712 |
| Total risk-based capital ratio | 13.0958% | 5,644 |
| Memoranda: | ||
| Average total assets | $114,709,600 | 4,395 |
| Average earning assets | $101,546,000 | 4,472 |
| Average equity | $9,471,400 | 4,987 |
| Average total loans | $75,074,000 | 4,093 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6762% | 1,660 |
| Cost of funding earning assets | 0.5296% | 3,468 |
| Net interest margin | 4.1466% | 1,493 |
| Noninterest income to average assets | 0.1245% | 6,400 |
| Noninterest expense to average assets | 3.1615% | 2,475 |
| Loan and lease loss provision to assets | 0.0940% | 3,195 |
| Net operating income to assets | 0.5487% | 4,590 |
| Return on assets (ROA) | 0.5851% | 4,540 |
| Pretax return on assets | 0.5851% | 5,076 |
| Return on Equity (ROE) | 6.9372% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.9372% | 1,911 |
| Net charge-offs to loans | -0.0381% | 6,220 |
| Credit loss provision to net charge-offs | -380.9524% | 6,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1069% | 1,696 |
| Assets per employee ($millions) | 4.5136% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 2,750 |
| Loan loss allowance to noncurrent loans | 79.8995% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.5363% | 1,509 |
| Noncurrent loans to loans | 2.0835% | 2,150 |
| Net loans and leases to total assets | 66.5872% | 2,545 |
| Net loans and leases to deposits | 76.0688% | 2,959 |
| Net loans and leases to core deposits | 79.6314% | 3,164 |
| Total domestic deposits to total assets | 87.5354% | 2,397 |
| Equity capital to assets | 8.4970% | 5,740 |
| Core capital (leverage) ratio | 8.9390% | 5,217 |
| Tier 1 risk-based capital ratio | 12.8899% | 5,196 |
| Total risk-based capital ratio | 14.1445% | 5,132 |
| Memoranda: | ||
| Average total assets | $113,486,500 | 4,468 |
| Average earning assets | $100,706,000 | 4,535 |
| Average equity | $9,571,250 | 5,015 |
| Average total loans | $73,441,250 | 4,182 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 1,919 |
| Cost of funding earning assets | 0.5488% | 3,428 |
| Net interest margin | 4.0278% | 1,768 |
| Noninterest income to average assets | -0.0281% | 6,827 |
| Noninterest expense to average assets | 3.1679% | 2,450 |
| Loan and lease loss provision to assets | 0.0967% | 3,172 |
| Net operating income to assets | 0.2832% | 5,652 |
| Return on assets (ROA) | 0.3377% | 5,621 |
| Pretax return on assets | 0.3377% | 5,780 |
| Return on Equity (ROE) | 4.0144% | 5,211 |
| Retained earnings to average equity (ytd only) | 4.0144% | 3,741 |
| Net charge-offs to loans | -0.0745% | 6,405 |
| Credit loss provision to net charge-offs | -203.7037% | 5,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2910% | 1,103 |
| Assets per employee ($millions) | 4.2482% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6826% | 2,845 |
| Loan loss allowance to noncurrent loans | 58.0630% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 3.1235% | 1,279 |
| Noncurrent loans to loans | 2.8980% | 1,552 |
| Net loans and leases to total assets | 66.2843% | 2,542 |
| Net loans and leases to deposits | 75.9195% | 2,886 |
| Net loans and leases to core deposits | 77.6614% | 3,341 |
| Total domestic deposits to total assets | 87.3086% | 2,655 |
| Equity capital to assets | 8.3628% | 5,903 |
| Core capital (leverage) ratio | 8.7427% | 5,364 |
| Tier 1 risk-based capital ratio | 12.7207% | 5,346 |
| Total risk-based capital ratio | 13.9756% | 5,277 |
| Memoranda: | ||
| Average total assets | $113,702,000 | 4,492 |
| Average earning assets | $100,949,000 | 4,556 |
| Average equity | $9,565,670 | 5,047 |
| Average total loans | $72,452,000 | 4,227 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5171% | 2,108 |
| Cost of funding earning assets | 0.5715% | 3,363 |
| Net interest margin | 3.9456% | 1,962 |
| Noninterest income to average assets | -0.1457% | 6,938 |
| Noninterest expense to average assets | 3.1285% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1977% | 5,904 |
| Return on assets (ROA) | 0.1977% | 6,013 |
| Pretax return on assets | 0.1977% | 6,086 |
| Return on Equity (ROE) | 2.3433% | 5,831 |
| Retained earnings to average equity (ytd only) | 2.3433% | 4,851 |
| Net charge-offs to loans | -0.1512% | 6,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0563% | 834 |
| Assets per employee ($millions) | 4.1750% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 3,070 |
| Loan loss allowance to noncurrent loans | 60.6582% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 2.8956% | 1,557 |
| Noncurrent loans to loans | 2.7788% | 1,826 |
| Net loans and leases to total assets | 61.9886% | 3,065 |
| Net loans and leases to deposits | 68.9344% | 3,646 |
| Net loans and leases to core deposits | 70.6239% | 3,989 |
| Total domestic deposits to total assets | 89.9241% | 1,095 |
| Equity capital to assets | 8.6282% | 5,883 |
| Core capital (leverage) ratio | 8.3446% | 5,765 |
| Tier 1 risk-based capital ratio | 12.8729% | 5,319 |
| Total risk-based capital ratio | 14.1271% | 5,259 |
| Memoranda: | ||
| Average total assets | $115,326,500 | 4,501 |
| Average earning assets | $101,481,000 | 4,576 |
| Average equity | $9,730,000 | 5,059 |
| Average total loans | $71,445,000 | 4,295 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 2,474 |
| Cost of funding earning assets | 0.7445% | 3,119 |
| Net interest margin | 3.9858% | 2,457 |
| Noninterest income to average assets | 0.1336% | 6,373 |
| Noninterest expense to average assets | 3.1371% | 2,821 |
| Loan and lease loss provision to assets | 0.0221% | 5,623 |
| Net operating income to assets | 0.4708% | 4,800 |
| Return on assets (ROA) | 0.4708% | 5,053 |
| Pretax return on assets | 0.4708% | 5,369 |
| Return on Equity (ROE) | 5.7185% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.7185% | 2,239 |
| Net charge-offs to loans | 0.1876% | 3,877 |
| Credit loss provision to net charge-offs | 19.5313% | 5,292 |
| Earnings coverage of net charge-offs (x) | 4.3516% | 3,402 |
| Efficiency ratio | 86.4213% | 1,390 |
| Assets per employee ($millions) | 4.2118% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 3,183 |
| Loan loss allowance to noncurrent loans | 47.8741% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 3.2358% | 1,431 |
| Noncurrent loans to loans | 3.4059% | 1,476 |
| Net loans and leases to total assets | 59.9047% | 3,620 |
| Net loans and leases to deposits | 66.2854% | 4,238 |
| Net loans and leases to core deposits | 67.8216% | 4,556 |
| Total domestic deposits to total assets | 90.3739% | 764 |
| Equity capital to assets | 8.2541% | 6,236 |
| Core capital (leverage) ratio | 8.4640% | 5,672 |
| Tier 1 risk-based capital ratio | 12.5212% | 5,458 |
| Total risk-based capital ratio | 13.7746% | 5,412 |
| Memoranda: | ||
| Average total assets | $113,001,400 | 4,519 |
| Average earning assets | $99,126,600 | 4,611 |
| Average equity | $9,303,200 | 5,150 |
| Average total loans | $68,237,400 | 4,414 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7061% | 2,785 |
| Cost of funding earning assets | 0.7821% | 3,091 |
| Net interest margin | 3.9240% | 2,825 |
| Noninterest income to average assets | 0.1193% | 6,543 |
| Noninterest expense to average assets | 3.2173% | 2,506 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3674% | 5,381 |
| Return on assets (ROA) | 0.3674% | 5,580 |
| Pretax return on assets | 0.3674% | 5,795 |
| Return on Equity (ROE) | 4.4659% | 5,055 |
| Retained earnings to average equity (ytd only) | 4.4659% | 3,752 |
| Net charge-offs to loans | 0.2217% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,936 |
| Efficiency ratio | 89.7504% | 1,063 |
| Assets per employee ($millions) | 3.9185% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 3,093 |
| Loan loss allowance to noncurrent loans | 65.8730% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 3.0342% | 1,719 |
| Noncurrent loans to loans | 2.6068% | 2,192 |
| Net loans and leases to total assets | 60.6159% | 3,652 |
| Net loans and leases to deposits | 67.9152% | 4,194 |
| Net loans and leases to core deposits | 70.5522% | 4,427 |
| Total domestic deposits to total assets | 89.2523% | 1,281 |
| Equity capital to assets | 8.7589% | 6,058 |
| Core capital (leverage) ratio | 8.4434% | 5,828 |
| Tier 1 risk-based capital ratio | 12.9288% | 5,311 |
| Total risk-based capital ratio | 14.1834% | 5,273 |
| Memoranda: | ||
| Average total assets | $111,769,500 | 4,595 |
| Average earning assets | $98,707,000 | 4,671 |
| Average equity | $9,195,500 | 5,217 |
| Average total loans | $67,342,750 | 4,492 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7731% | 2,622 |
| Cost of funding earning assets | 0.8177% | 3,054 |
| Net interest margin | 3.9554% | 2,699 |
| Noninterest income to average assets | 0.0213% | 6,941 |
| Noninterest expense to average assets | 3.2671% | 2,396 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2383% | 5,801 |
| Return on assets (ROA) | 0.2383% | 5,990 |
| Pretax return on assets | 0.2383% | 6,081 |
| Return on Equity (ROE) | 2.9589% | 5,707 |
| Retained earnings to average equity (ytd only) | 2.9589% | 4,665 |
| Net charge-offs to loans | 0.2588% | 3,023 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.5402% | 4,222 |
| Efficiency ratio | 93.2014% | 848 |
| Assets per employee ($millions) | 3.8285% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 2,992 |
| Loan loss allowance to noncurrent loans | 63.6461% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 3.3371% | 1,615 |
| Noncurrent loans to loans | 2.7629% | 2,173 |
| Net loans and leases to total assets | 59.7284% | 3,873 |
| Net loans and leases to deposits | 66.6379% | 4,428 |
| Net loans and leases to core deposits | 67.9308% | 4,794 |
| Total domestic deposits to total assets | 89.6313% | 1,144 |
| Equity capital to assets | 8.3845% | 6,313 |
| Core capital (leverage) ratio | 8.2681% | 5,967 |
| Tier 1 risk-based capital ratio | 12.8346% | 5,310 |
| Total risk-based capital ratio | 14.0896% | 5,280 |
| Memoranda: | ||
| Average total assets | $112,453,670 | 4,606 |
| Average earning assets | $99,055,330 | 4,692 |
| Average equity | $9,057,330 | 5,252 |
| Average total loans | $67,234,330 | 4,511 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6511% | 3,259 |
| Cost of funding earning assets | 0.8420% | 3,132 |
| Net interest margin | 3.8091% | 3,353 |
| Noninterest income to average assets | 0.1308% | 6,592 |
| Noninterest expense to average assets | 3.1387% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3499% | 5,480 |
| Return on assets (ROA) | 0.3499% | 5,655 |
| Pretax return on assets | 0.3499% | 5,856 |
| Return on Equity (ROE) | 4.4337% | 5,078 |
| Retained earnings to average equity (ytd only) | 4.4337% | 3,936 |
| Net charge-offs to loans | -0.1073% | 6,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9696% | 1,100 |
| Assets per employee ($millions) | 3.8626% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9603% | 2,490 |
| Loan loss allowance to noncurrent loans | 67.6794% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 4.0039% | 1,374 |
| Noncurrent loans to loans | 2.8965% | 2,229 |
| Net loans and leases to total assets | 57.6837% | 4,093 |
| Net loans and leases to deposits | 64.2232% | 4,601 |
| Net loans and leases to core deposits | 66.0780% | 4,900 |
| Total domestic deposits to total assets | 89.8175% | 1,176 |
| Equity capital to assets | 8.1774% | 6,383 |
| Core capital (leverage) ratio | 8.0812% | 6,180 |
| Tier 1 risk-based capital ratio | 12.9578% | 5,248 |
| Total risk-based capital ratio | 14.2156% | 5,212 |
| Memoranda: | ||
| Average total assets | $113,167,500 | 4,616 |
| Average earning assets | $99,760,500 | 4,702 |
| Average equity | $8,931,500 | 5,305 |
| Average total loans | $67,101,000 | 4,546 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2680% | 1,805 |
| Cost of funding earning assets | 1.0213% | 3,228 |
| Net interest margin | 4.2467% | 1,900 |
| Noninterest income to average assets | 0.5066% | 3,801 |
| Noninterest expense to average assets | 3.5030% | 1,971 |
| Loan and lease loss provision to assets | 0.4392% | 2,397 |
| Net operating income to assets | 0.2610% | 5,395 |
| Return on assets (ROA) | 0.2909% | 5,443 |
| Pretax return on assets | 0.2909% | 5,585 |
| Return on Equity (ROE) | 3.5900% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.5900% | 3,664 |
| Net charge-offs to loans | 0.6333% | 2,561 |
| Credit loss provision to net charge-offs | 104.8276% | 3,267 |
| Earnings coverage of net charge-offs (x) | 1.6713% | 4,515 |
| Efficiency ratio | 83.3410% | 1,841 |
| Assets per employee ($millions) | 3.9420% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 2,668 |
| Loan loss allowance to noncurrent loans | 57.1813% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 4.3011% | 1,296 |
| Noncurrent loans to loans | 3.2623% | 1,985 |
| Net loans and leases to total assets | 58.6263% | 4,259 |
| Net loans and leases to deposits | 64.8222% | 4,897 |
| Net loans and leases to core deposits | 66.6385% | 5,195 |
| Total domestic deposits to total assets | 90.4417% | 747 |
| Equity capital to assets | 7.6129% | 6,765 |
| Core capital (leverage) ratio | 8.0253% | 6,237 |
| Tier 1 risk-based capital ratio | 11.9337% | 5,872 |
| Total risk-based capital ratio | 13.1893% | 5,843 |
| Memoranda: | ||
| Average total assets | $103,826,000 | 4,799 |
| Average earning assets | $90,375,800 | 4,927 |
| Average equity | $8,412,200 | 5,434 |
| Average total loans | $68,687,400 | 4,541 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4469% | 1,397 |
| Cost of funding earning assets | 1.0730% | 3,158 |
| Net interest margin | 4.3739% | 1,477 |
| Noninterest income to average assets | 0.5718% | 3,368 |
| Noninterest expense to average assets | 3.6520% | 1,594 |
| Loan and lease loss provision to assets | 0.5481% | 1,795 |
| Net operating income to assets | 0.1686% | 5,778 |
| Return on assets (ROA) | 0.1686% | 5,907 |
| Pretax return on assets | 0.1686% | 5,958 |
| Return on Equity (ROE) | 2.0464% | 5,761 |
| Retained earnings to average equity (ytd only) | 2.0464% | 5,114 |
| Net charge-offs to loans | 0.8044% | 1,951 |
| Credit loss provision to net charge-offs | 100.2410% | 3,359 |
| Earnings coverage of net charge-offs (x) | 1.3109% | 4,632 |
| Efficiency ratio | 83.5947% | 1,771 |
| Assets per employee ($millions) | 3.5340% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9276% | 2,544 |
| Loan loss allowance to noncurrent loans | 45.6664% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 5.0320% | 1,143 |
| Noncurrent loans to loans | 4.2211% | 1,552 |
| Net loans and leases to total assets | 62.2530% | 3,655 |
| Net loans and leases to deposits | 69.5610% | 4,370 |
| Net loans and leases to core deposits | 71.0207% | 4,836 |
| Total domestic deposits to total assets | 89.4941% | 1,146 |
| Equity capital to assets | 8.2841% | 6,498 |
| Core capital (leverage) ratio | 8.1914% | 6,142 |
| Tier 1 risk-based capital ratio | 12.1300% | 5,796 |
| Total risk-based capital ratio | 13.3887% | 5,780 |
| Memoranda: | ||
| Average total assets | $101,202,750 | 4,888 |
| Average earning assets | $87,852,500 | 5,034 |
| Average equity | $8,339,500 | 5,496 |
| Average total loans | $68,785,500 | 4,573 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5519% | 1,174 |
| Cost of funding earning assets | 1.1085% | 3,173 |
| Net interest margin | 4.4433% | 1,261 |
| Noninterest income to average assets | 0.7224% | 2,426 |
| Noninterest expense to average assets | 3.6914% | 1,540 |
| Loan and lease loss provision to assets | 0.7065% | 1,338 |
| Net operating income to assets | 0.1746% | 5,816 |
| Return on assets (ROA) | 0.1746% | 5,916 |
| Pretax return on assets | 0.1746% | 5,973 |
| Return on Equity (ROE) | 2.1232% | 5,749 |
| Retained earnings to average equity (ytd only) | 2.1232% | 4,927 |
| Net charge-offs to loans | 0.8197% | 1,864 |
| Credit loss provision to net charge-offs | 124.0418% | 2,455 |
| Earnings coverage of net charge-offs (x) | 1.5470% | 4,130 |
| Efficiency ratio | 80.7292% | 2,274 |
| Assets per employee ($millions) | 3.4217% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 2,621 |
| Loan loss allowance to noncurrent loans | 35.8557% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 6.3137% | 860 |
| Noncurrent loans to loans | 5.3438% | 1,196 |
| Net loans and leases to total assets | 68.2005% | 2,580 |
| Net loans and leases to deposits | 76.6323% | 3,352 |
| Net loans and leases to core deposits | 77.7174% | 4,088 |
| Total domestic deposits to total assets | 88.9971% | 1,527 |
| Equity capital to assets | 8.4996% | 6,188 |
| Core capital (leverage) ratio | 8.2607% | 5,931 |
| Tier 1 risk-based capital ratio | 11.4879% | 6,173 |
| Total risk-based capital ratio | 12.7449% | 6,159 |
| Memoranda: | ||
| Average total assets | $100,775,330 | 4,942 |
| Average earning assets | $87,321,670 | 5,086 |
| Average equity | $8,289,330 | 5,524 |
| Average total loans | $70,029,330 | 4,576 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5831% | 1,087 |
| Cost of funding earning assets | 1.1130% | 3,437 |
| Net interest margin | 4.4701% | 1,133 |
| Noninterest income to average assets | 0.1930% | 6,342 |
| Noninterest expense to average assets | 3.5924% | 1,789 |
| Loan and lease loss provision to assets | 0.3939% | 2,224 |
| Net operating income to assets | 0.0827% | 6,138 |
| Return on assets (ROA) | 0.0827% | 6,193 |
| Pretax return on assets | 0.0827% | 6,212 |
| Return on Equity (ROE) | 1.0223% | 6,124 |
| Retained earnings to average equity (ytd only) | 1.0223% | 5,418 |
| Net charge-offs to loans | 0.8675% | 1,524 |
| Credit loss provision to net charge-offs | 65.3595% | 3,449 |
| Earnings coverage of net charge-offs (x) | 0.7908% | 4,049 |
| Efficiency ratio | 88.2865% | 1,477 |
| Assets per employee ($millions) | 3.6155% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6976% | 3,348 |
| Loan loss allowance to noncurrent loans | 26.2410% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 6.0702% | 942 |
| Noncurrent loans to loans | 6.4691% | 928 |
| Net loans and leases to total assets | 68.6436% | 2,418 |
| Net loans and leases to deposits | 76.5342% | 3,328 |
| Net loans and leases to core deposits | 78.0357% | 4,013 |
| Total domestic deposits to total assets | 89.6901% | 1,364 |
| Equity capital to assets | 8.1317% | 6,362 |
| Core capital (leverage) ratio | 8.1515% | 6,049 |
| Tier 1 risk-based capital ratio | 11.2577% | 6,301 |
| Total risk-based capital ratio | 12.5145% | 6,271 |
| Memoranda: | ||
| Average total assets | $101,549,000 | 4,956 |
| Average earning assets | $88,051,000 | 5,091 |
| Average equity | $8,217,000 | 5,552 |
| Average total loans | $70,546,000 | 4,601 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5296% | 2,165 |
| Cost of funding earning assets | 1.4486% | 2,959 |
| Net interest margin | 4.0810% | 2,654 |
| Noninterest income to average assets | 0.1618% | 6,559 |
| Noninterest expense to average assets | 3.4548% | 2,295 |
| Loan and lease loss provision to assets | 0.2143% | 5,108 |
| Net operating income to assets | 0.0303% | 5,751 |
| Return on assets (ROA) | 0.0303% | 5,886 |
| Pretax return on assets | 0.0303% | 5,835 |
| Return on Equity (ROE) | 0.3627% | 5,865 |
| Retained earnings to average equity (ytd only) | 0.3627% | 5,395 |
| Net charge-offs to loans | 0.6346% | 3,119 |
| Credit loss provision to net charge-offs | 46.4912% | 6,311 |
| Earnings coverage of net charge-offs (x) | 0.5307% | 5,583 |
| Efficiency ratio | 93.3862% | 1,098 |
| Assets per employee ($millions) | 3.6380% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7798% | 2,924 |
| Loan loss allowance to noncurrent loans | 24.4392% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 6.6951% | 841 |
| Noncurrent loans to loans | 7.2825% | 754 |
| Net loans and leases to total assets | 67.8830% | 3,010 |
| Net loans and leases to deposits | 75.6396% | 3,898 |
| Net loans and leases to core deposits | 75.6396% | 4,765 |
| Total domestic deposits to total assets | 89.7453% | 1,238 |
| Equity capital to assets | 8.0518% | 6,441 |
| Core capital (leverage) ratio | 8.2184% | 5,802 |
| Tier 1 risk-based capital ratio | 11.2388% | 6,145 |
| Total risk-based capital ratio | 12.4939% | 6,126 |
| Memoranda: | ||
| Average total assets | $98,905,600 | 5,011 |
| Average earning assets | $85,739,000 | 5,152 |
| Average equity | $8,272,000 | 5,627 |
| Average total loans | $71,855,800 | 4,616 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5405% | 2,288 |
| Cost of funding earning assets | 1.4794% | 3,093 |
| Net interest margin | 4.0610% | 2,805 |
| Noninterest income to average assets | 0.2485% | 6,111 |
| Noninterest expense to average assets | 3.4349% | 2,195 |
| Loan and lease loss provision to assets | 0.2744% | 4,394 |
| Net operating income to assets | 0.0625% | 5,861 |
| Return on assets (ROA) | 0.0625% | 5,998 |
| Pretax return on assets | 0.0625% | 5,982 |
| Return on Equity (ROE) | 0.7399% | 5,958 |
| Retained earnings to average equity (ytd only) | 0.7399% | 5,506 |
| Net charge-offs to loans | 0.5409% | 3,137 |
| Credit loss provision to net charge-offs | 68.9420% | 5,450 |
| Earnings coverage of net charge-offs (x) | 0.8464% | 5,205 |
| Efficiency ratio | 91.0695% | 1,207 |
| Assets per employee ($millions) | 3.5443% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9786% | 2,280 |
| Loan loss allowance to noncurrent loans | 25.7698% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 7.4778% | 701 |
| Noncurrent loans to loans | 7.6778% | 696 |
| Net loans and leases to total assets | 70.1894% | 2,690 |
| Net loans and leases to deposits | 82.5562% | 2,997 |
| Net loans and leases to core deposits | 82.5562% | 4,157 |
| Total domestic deposits to total assets | 85.0202% | 3,610 |
| Equity capital to assets | 8.3696% | 6,430 |
| Core capital (leverage) ratio | 8.4912% | 5,524 |
| Tier 1 risk-based capital ratio | 10.9285% | 6,441 |
| Total risk-based capital ratio | 12.1861% | 6,417 |
| Memoranda: | ||
| Average total assets | $98,165,750 | 5,104 |
| Average earning assets | $85,165,250 | 5,229 |
| Average equity | $8,289,500 | 5,693 |
| Average total loans | $72,219,250 | 4,674 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6111% | 2,098 |
| Cost of funding earning assets | 1.5290% | 3,079 |
| Net interest margin | 4.0821% | 2,642 |
| Noninterest income to average assets | 0.2801% | 5,906 |
| Noninterest expense to average assets | 3.4230% | 2,209 |
| Loan and lease loss provision to assets | 0.3108% | 3,895 |
| Net operating income to assets | 0.0838% | 5,912 |
| Return on assets (ROA) | 0.0838% | 6,015 |
| Pretax return on assets | 0.0838% | 6,009 |
| Return on Equity (ROE) | 0.9899% | 5,963 |
| Retained earnings to average equity (ytd only) | 0.9899% | 5,375 |
| Net charge-offs to loans | 0.7575% | 2,350 |
| Credit loss provision to net charge-offs | 55.2727% | 5,312 |
| Earnings coverage of net charge-offs (x) | 0.7018% | 5,042 |
| Efficiency ratio | 89.6626% | 1,367 |
| Assets per employee ($millions) | 3.4000% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 2,258 |
| Loan loss allowance to noncurrent loans | 24.5576% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 7.1503% | 730 |
| Noncurrent loans to loans | 8.0168% | 651 |
| Net loans and leases to total assets | 71.8674% | 2,435 |
| Net loans and leases to deposits | 84.3197% | 2,816 |
| Net loans and leases to core deposits | 88.7979% | 3,439 |
| Total domestic deposits to total assets | 85.2320% | 3,499 |
| Equity capital to assets | 8.6986% | 5,888 |
| Core capital (leverage) ratio | 8.5747% | 5,287 |
| Tier 1 risk-based capital ratio | 11.2741% | 5,969 |
| Total risk-based capital ratio | 12.5314% | 5,947 |
| Memoranda: | ||
| Average total assets | $97,807,670 | 5,143 |
| Average earning assets | $84,760,000 | 5,270 |
| Average equity | $8,284,000 | 5,701 |
| Average total loans | $72,605,000 | 4,690 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5723% | 2,276 |
| Cost of funding earning assets | 1.5614% | 3,195 |
| Net interest margin | 4.0109% | 2,832 |
| Noninterest income to average assets | 0.4520% | 4,446 |
| Noninterest expense to average assets | 3.3296% | 2,433 |
| Loan and lease loss provision to assets | 0.1695% | 4,831 |
| Net operating income to assets | 0.4157% | 4,768 |
| Return on assets (ROA) | 0.4157% | 4,913 |
| Pretax return on assets | 0.4157% | 5,246 |
| Return on Equity (ROE) | 4.9725% | 4,380 |
| Retained earnings to average equity (ytd only) | 4.9725% | 3,171 |
| Net charge-offs to loans | 0.1838% | 3,820 |
| Credit loss provision to net charge-offs | 123.5294% | 2,834 |
| Earnings coverage of net charge-offs (x) | 4.2647% | 2,664 |
| Efficiency ratio | 85.0515% | 1,906 |
| Assets per employee ($millions) | 3.3450% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0665% | 2,029 |
| Loan loss allowance to noncurrent loans | 23.5709% | 6,827 |
| Noncurrent assets plus other real estate owned to assets | 7.7439% | 644 |
| Noncurrent loans to loans | 8.7674% | 573 |
| Net loans and leases to total assets | 73.5240% | 2,073 |
| Net loans and leases to deposits | 86.0639% | 2,575 |
| Net loans and leases to core deposits | 90.5239% | 3,299 |
| Total domestic deposits to total assets | 85.4296% | 3,449 |
| Equity capital to assets | 8.5841% | 5,893 |
| Core capital (leverage) ratio | 8.4196% | 5,525 |
| Tier 1 risk-based capital ratio | 11.0935% | 6,068 |
| Total risk-based capital ratio | 12.3533% | 6,025 |
| Memoranda: | ||
| Average total assets | $99,112,000 | 5,176 |
| Average earning assets | $85,566,500 | 5,318 |
| Average equity | $8,285,500 | 5,742 |
| Average total loans | $74,012,000 | 4,716 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0101% | 1,826 |
| Cost of funding earning assets | 2.0117% | 2,910 |
| Net interest margin | 3.9985% | 2,871 |
| Noninterest income to average assets | 0.5195% | 4,266 |
| Noninterest expense to average assets | 4.0443% | 1,302 |
| Loan and lease loss provision to assets | 1.4884% | 1,545 |
| Net operating income to assets | -1.5278% | 6,872 |
| Return on assets (ROA) | -1.5278% | 6,876 |
| Pretax return on assets | -1.5278% | 6,721 |
| Return on Equity (ROE) | -17.8839% | 7,073 |
| Retained earnings to average equity (ytd only) | -17.8839% | 7,027 |
| Net charge-offs to loans | 1.2942% | 1,918 |
| Credit loss provision to net charge-offs | 147.4609% | 3,181 |
| Earnings coverage of net charge-offs (x) | -0.0391% | 6,258 |
| Efficiency ratio | 100.9845% | 1,056 |
| Assets per employee ($millions) | 3.4903% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9908% | 2,054 |
| Loan loss allowance to noncurrent loans | 28.4817% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 6.2251% | 892 |
| Noncurrent loans to loans | 6.9896% | 800 |
| Net loans and leases to total assets | 72.8124% | 2,552 |
| Net loans and leases to deposits | 84.6212% | 3,156 |
| Net loans and leases to core deposits | 100.0760% | 3,992 |
| Total domestic deposits to total assets | 86.0451% | 2,994 |
| Equity capital to assets | 8.1447% | 6,415 |
| Core capital (leverage) ratio | 8.3458% | 5,542 |
| Tier 1 risk-based capital ratio | 10.5645% | 6,328 |
| Total risk-based capital ratio | 11.8229% | 6,308 |
| Memoranda: | ||
| Average total assets | $101,450,400 | 5,052 |
| Average earning assets | $88,434,000 | 5,173 |
| Average equity | $8,667,000 | 5,711 |
| Average total loans | $79,119,600 | 4,544 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0895% | 1,688 |
| Cost of funding earning assets | 2.0809% | 2,978 |
| Net interest margin | 4.0087% | 2,775 |
| Noninterest income to average assets | 0.5622% | 3,996 |
| Noninterest expense to average assets | 3.8709% | 1,477 |
| Loan and lease loss provision to assets | 1.7207% | 1,079 |
| Net operating income to assets | -1.5197% | 7,124 |
| Return on assets (ROA) | -1.5197% | 7,120 |
| Pretax return on assets | -1.5197% | 6,972 |
| Return on Equity (ROE) | -17.5843% | 7,295 |
| Retained earnings to average equity (ytd only) | -17.5843% | 7,257 |
| Net charge-offs to loans | 0.9438% | 2,086 |
| Credit loss provision to net charge-offs | 231.0406% | 1,888 |
| Earnings coverage of net charge-offs (x) | 0.2698% | 5,742 |
| Efficiency ratio | 95.0645% | 1,326 |
| Assets per employee ($millions) | 3.4603% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2988% | 1,298 |
| Loan loss allowance to noncurrent loans | 34.0252% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 6.0080% | 896 |
| Noncurrent loans to loans | 6.7561% | 833 |
| Net loans and leases to total assets | 74.2877% | 2,445 |
| Net loans and leases to deposits | 87.6910% | 3,024 |
| Net loans and leases to core deposits | 106.4182% | 3,653 |
| Total domestic deposits to total assets | 84.7153% | 3,364 |
| Equity capital to assets | 8.3060% | 6,498 |
| Core capital (leverage) ratio | 8.1380% | 6,123 |
| Tier 1 risk-based capital ratio | 10.4348% | 6,543 |
| Total risk-based capital ratio | 11.6965% | 6,475 |
| Memoranda: | ||
| Average total assets | $101,508,250 | 5,080 |
| Average earning assets | $88,871,500 | 5,200 |
| Average equity | $8,772,750 | 5,730 |
| Average total loans | $80,100,250 | 4,546 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1002% | 1,792 |
| Cost of funding earning assets | 2.1394% | 3,091 |
| Net interest margin | 3.9608% | 2,862 |
| Noninterest income to average assets | 0.5260% | 4,222 |
| Noninterest expense to average assets | 3.9099% | 1,465 |
| Loan and lease loss provision to assets | 1.7862% | 927 |
| Net operating income to assets | -1.6998% | 7,323 |
| Return on assets (ROA) | -1.6998% | 7,320 |
| Pretax return on assets | -1.6998% | 7,170 |
| Return on Equity (ROE) | -19.4199% | 7,486 |
| Retained earnings to average equity (ytd only) | -19.4199% | 7,436 |
| Net charge-offs to loans | 1.2511% | 1,475 |
| Credit loss provision to net charge-offs | 178.7819% | 2,559 |
| Earnings coverage of net charge-offs (x) | 0.0864% | 5,589 |
| Efficiency ratio | 97.8389% | 1,271 |
| Assets per employee ($millions) | 3.1240% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 2,183 |
| Loan loss allowance to noncurrent loans | 36.8092% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 5.0836% | 1,033 |
| Noncurrent loans to loans | 4.7520% | 1,324 |
| Net loans and leases to total assets | 79.3374% | 1,450 |
| Net loans and leases to deposits | 95.3074% | 1,899 |
| Net loans and leases to core deposits | 116.6250% | 2,652 |
| Total domestic deposits to total assets | 83.2436% | 4,128 |
| Equity capital to assets | 8.6218% | 5,866 |
| Core capital (leverage) ratio | 8.3863% | 5,651 |
| Tier 1 risk-based capital ratio | 10.4514% | 6,426 |
| Total risk-based capital ratio | 11.7076% | 6,365 |
| Memoranda: | ||
| Average total assets | $101,894,670 | 5,106 |
| Average earning assets | $89,276,000 | 5,225 |
| Average equity | $8,918,670 | 5,708 |
| Average total loans | $81,366,670 | 4,546 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8896% | 2,850 |
| Cost of funding earning assets | 2.1332% | 3,501 |
| Net interest margin | 3.7564% | 3,630 |
| Noninterest income to average assets | 0.5444% | 3,972 |
| Noninterest expense to average assets | 4.0872% | 1,082 |
| Loan and lease loss provision to assets | 2.9555% | 370 |
| Net operating income to assets | -3.2044% | 7,874 |
| Return on assets (ROA) | -3.2044% | 7,877 |
| Pretax return on assets | -3.2044% | 7,793 |
| Return on Equity (ROE) | -36.3456% | 7,955 |
| Retained earnings to average equity (ytd only) | -36.3456% | 7,927 |
| Net charge-offs to loans | 1.3564% | 1,044 |
| Credit loss provision to net charge-offs | 274.3682% | 1,743 |
| Earnings coverage of net charge-offs (x) | -0.2310% | 5,152 |
| Efficiency ratio | 106.4843% | 915 |
| Assets per employee ($millions) | 3.2275% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 1,791 |
| Loan loss allowance to noncurrent loans | 39.6286% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 4.6301% | 1,020 |
| Noncurrent loans to loans | 4.6081% | 1,229 |
| Net loans and leases to total assets | 77.7674% | 1,875 |
| Net loans and leases to deposits | 96.2308% | 1,910 |
| Net loans and leases to core deposits | 116.1922% | 2,786 |
| Total domestic deposits to total assets | 80.8135% | 5,036 |
| Equity capital to assets | 8.3742% | 6,278 |
| Core capital (leverage) ratio | 8.3622% | 5,786 |
| Tier 1 risk-based capital ratio | 10.3452% | 6,546 |
| Total risk-based capital ratio | 11.6017% | 6,455 |
| Memoranda: | ||
| Average total assets | $102,858,000 | 5,100 |
| Average earning assets | $90,193,000 | 5,215 |
| Average equity | $9,068,500 | 5,684 |
| Average total loans | $81,688,000 | 4,565 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0983% | 920 |
| Cost of funding earning assets | 2.5069% | 4,172 |
| Net interest margin | 4.5914% | 1,206 |
| Noninterest income to average assets | 0.6130% | 3,757 |
| Noninterest expense to average assets | 3.5165% | 2,349 |
| Loan and lease loss provision to assets | 1.0756% | 1,350 |
| Net operating income to assets | 0.0203% | 6,316 |
| Return on assets (ROA) | 0.0203% | 6,169 |
| Pretax return on assets | 0.0203% | 6,117 |
| Return on Equity (ROE) | 0.2053% | 6,163 |
| Retained earnings to average equity (ytd only) | -2.1967% | 5,925 |
| Net charge-offs to loans | 1.2281% | 983 |
| Credit loss provision to net charge-offs | 112.1951% | 4,805 |
| Earnings coverage of net charge-offs (x) | 1.1432% | 5,552 |
| Efficiency ratio | 76.2398% | 3,197 |
| Assets per employee ($millions) | 3.3044% | 5,199 |
| Cash dividends to net income (ytd only)* | 1,170.0000% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 4,238 |
| Loan loss allowance to noncurrent loans | 37.4306% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 3.7243% | 1,159 |
| Noncurrent loans to loans | 3.3116% | 1,562 |
| Net loans and leases to total assets | 78.6372% | 1,970 |
| Net loans and leases to deposits | 97.2392% | 2,245 |
| Net loans and leases to core deposits | 117.1444% | 2,989 |
| Total domestic deposits to total assets | 80.8698% | 4,700 |
| Equity capital to assets | 9.2625% | 4,985 |
| Core capital (leverage) ratio | 9.3775% | 4,190 |
| Tier 1 risk-based capital ratio | 11.3916% | 5,343 |
| Total risk-based capital ratio | 12.6068% | 5,282 |
| Memoranda: | ||
| Average total assets | $98,364,000 | 5,102 |
| Average earning assets | $85,682,400 | 5,243 |
| Average equity | $9,742,000 | 5,496 |
| Average total loans | $76,784,000 | 4,622 |