Home > Northern Interstate Bank, N. A. > Performance and Condition Ratios
Northern Interstate Bank, N. A., 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 | 3.6030% | 4,348 |
| Cost of funding earning assets | 0.7946% | 3,749 |
| Net interest margin | 2.8084% | 3,644 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.4325% | 2,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5262% | 3,612 |
| Return on assets (ROA) | 0.5304% | 3,590 |
| Pretax return on assets | 0.5553% | 3,711 |
| Return on Equity (ROE) | 11.6900% | 2,043 |
| Retained earnings to average equity (ytd only) | 0.1338% | 4,016 |
| Net charge-offs to loans | 0.0091% | 2,319 |
| Credit loss provision to net charge-offs | 50.0000% | 2,188 |
| Earnings coverage of net charge-offs (x) | 166.8333% | 665 |
| Efficiency ratio | 81.4904% | 809 |
| Assets per employee ($millions) | 5.6342% | 3,122 |
| Cash dividends to net income (ytd only)* | 98.8554% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 2,390 |
| Loan loss allowance to noncurrent loans | 382.8571% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 2,758 |
| Noncurrent loans to loans | 0.3091% | 2,081 |
| Net loans and leases to total assets | 37.2300% | 4,119 |
| Net loans and leases to deposits | 42.6521% | 4,139 |
| Net loans and leases to core deposits | 43.5009% | 4,217 |
| Total domestic deposits to total assets | 87.2900% | 1,591 |
| Equity capital to assets | 5.0046% | 4,413 |
| Core capital (leverage) ratio | 9.9166% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $181,170,800 | 3,116 |
| Average earning assets | $164,114,000 | 3,141 |
| Average equity | $8,221,400 | 3,905 |
| Average total loans | $65,830,000 | 3,611 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 4,341 |
| Cost of funding earning assets | 0.7057% | 3,754 |
| Net interest margin | 2.8521% | 3,636 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.4352% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5515% | 3,660 |
| Return on assets (ROA) | 0.5564% | 3,635 |
| Pretax return on assets | 0.5880% | 3,758 |
| Return on Equity (ROE) | 12.5800% | 1,984 |
| Retained earnings to average equity (ytd only) | 0.1164% | 4,088 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.6279% | 827 |
| Assets per employee ($millions) | 5.2423% | 3,394 |
| Cash dividends to net income (ytd only)* | 99.0753% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,183 |
| Loan loss allowance to noncurrent loans | 497.5460% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 2,591 |
| Noncurrent loans to loans | 0.2485% | 2,350 |
| Net loans and leases to total assets | 36.3400% | 4,170 |
| Net loans and leases to deposits | 39.2049% | 4,225 |
| Net loans and leases to core deposits | 39.8835% | 4,263 |
| Total domestic deposits to total assets | 92.6900% | 354 |
| Equity capital to assets | 3.8437% | 4,415 |
| Core capital (leverage) ratio | 9.6814% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $181,390,250 | 3,121 |
| Average earning assets | $164,365,000 | 3,152 |
| Average equity | $8,021,000 | 3,933 |
| Average total loans | $65,304,500 | 3,629 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4687% | 4,373 |
| Cost of funding earning assets | 0.6294% | 3,680 |
| Net interest margin | 2.8393% | 3,757 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.4644% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5125% | 3,783 |
| Return on assets (ROA) | 0.5196% | 3,776 |
| Pretax return on assets | 0.5569% | 3,873 |
| Return on Equity (ROE) | 11.2700% | 2,354 |
| Retained earnings to average equity (ytd only) | -1.8072% | 4,280 |
| Net charge-offs to loans | -0.0061% | 3,764 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.6860% | 730 |
| Assets per employee ($millions) | 5.1433% | 3,459 |
| Cash dividends to net income (ytd only)* | 116.0338% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,170 |
| Loan loss allowance to noncurrent loans | 1,503.7037% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 2,936 |
| Noncurrent loans to loans | 0.0831% | 3,098 |
| Net loans and leases to total assets | 35.6300% | 4,188 |
| Net loans and leases to deposits | 38.9381% | 4,238 |
| Net loans and leases to core deposits | 39.5518% | 4,268 |
| Total domestic deposits to total assets | 91.5000% | 509 |
| Equity capital to assets | 4.6046% | 4,432 |
| Core capital (leverage) ratio | 9.6293% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $182,440,667 | 3,119 |
| Average earning assets | $165,885,000 | 3,149 |
| Average equity | $8,411,000 | 3,916 |
| Average total loans | $65,212,333 | 3,632 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4046% | 4,370 |
| Cost of funding earning assets | 0.5359% | 3,573 |
| Net interest margin | 2.8687% | 3,833 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.5134% | 2,211 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.4809% | 3,943 |
| Return on assets (ROA) | 0.4966% | 3,874 |
| Pretax return on assets | 0.5489% | 3,923 |
| Return on Equity (ROE) | 10.7600% | 2,555 |
| Retained earnings to average equity (ytd only) | -2.2191% | 4,218 |
| Net charge-offs to loans | -0.0122% | 3,919 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.3697% | 687 |
| Assets per employee ($millions) | 5.0730% | 3,599 |
| Cash dividends to net income (ytd only)* | 120.6140% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,256 |
| Loan loss allowance to noncurrent loans | 944.1860% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 2,697 |
| Noncurrent loans to loans | 0.1331% | 2,847 |
| Net loans and leases to total assets | 34.9400% | 4,226 |
| Net loans and leases to deposits | 37.7670% | 4,281 |
| Net loans and leases to core deposits | 38.3466% | 4,313 |
| Total domestic deposits to total assets | 92.5200% | 392 |
| Equity capital to assets | 4.8251% | 4,443 |
| Core capital (leverage) ratio | 9.4779% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $183,653,000 | 3,149 |
| Average earning assets | $167,186,000 | 3,173 |
| Average equity | $8,472,000 | 3,956 |
| Average total loans | $65,343,500 | 3,673 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2805% | 3,637 |
| Cost of funding earning assets | 0.3012% | 2,865 |
| Net interest margin | 2.9793% | 3,501 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.3369% | 2,626 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6866% | 3,653 |
| Return on assets (ROA) | 0.6852% | 3,609 |
| Pretax return on assets | 0.7950% | 3,634 |
| Return on Equity (ROE) | 12.1000% | 2,104 |
| Retained earnings to average equity (ytd only) | 1.9477% | 3,985 |
| Net charge-offs to loans | 0.0602% | 1,047 |
| Credit loss provision to net charge-offs | 260.0000% | 984 |
| Earnings coverage of net charge-offs (x) | 40.7000% | 1,497 |
| Efficiency ratio | 73.3071% | 1,285 |
| Assets per employee ($millions) | 5.2765% | 3,446 |
| Cash dividends to net income (ytd only)* | 83.9054% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,333 |
| Loan loss allowance to noncurrent loans | 437.5000% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 2,476 |
| Noncurrent loans to loans | 0.2301% | 2,351 |
| Net loans and leases to total assets | 35.4100% | 4,242 |
| Net loans and leases to deposits | 37.8420% | 4,297 |
| Net loans and leases to core deposits | 38.4110% | 4,321 |
| Total domestic deposits to total assets | 93.5800% | 296 |
| Equity capital to assets | 4.4033% | 4,468 |
| Core capital (leverage) ratio | 9.2816% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3104% | 690 |
| Memoranda: | ||
| Average total assets | $191,320,800 | 3,095 |
| Average earning assets | $173,630,000 | 3,115 |
| Average equity | $10,833,200 | 3,777 |
| Average total loans | $66,398,000 | 3,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2020% | 3,430 |
| Cost of funding earning assets | 0.2741% | 2,445 |
| Net interest margin | 2.9280% | 3,415 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.3055% | 2,616 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.6462% | 3,705 |
| Return on assets (ROA) | 0.6515% | 3,648 |
| Pretax return on assets | 0.7551% | 3,680 |
| Return on Equity (ROE) | 10.9200% | 2,405 |
| Retained earnings to average equity (ytd only) | 1.3671% | 4,165 |
| Net charge-offs to loans | 0.0782% | 755 |
| Credit loss provision to net charge-offs | 220.5128% | 936 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,519 |
| Efficiency ratio | 74.0404% | 1,270 |
| Assets per employee ($millions) | 5.2902% | 3,427 |
| Cash dividends to net income (ytd only)* | 87.4867% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 3,573 |
| Loan loss allowance to noncurrent loans | 426.3158% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 2,551 |
| Noncurrent loans to loans | 0.2300% | 2,470 |
| Net loans and leases to total assets | 34.3600% | 4,289 |
| Net loans and leases to deposits | 36.0330% | 4,361 |
| Net loans and leases to core deposits | 36.6058% | 4,382 |
| Total domestic deposits to total assets | 95.3700% | 183 |
| Equity capital to assets | 4.0221% | 4,475 |
| Core capital (leverage) ratio | 8.9409% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9121% | 736 |
| Memoranda: | ||
| Average total assets | $192,981,250 | 3,105 |
| Average earning assets | $175,134,250 | 3,132 |
| Average equity | $11,508,500 | 3,762 |
| Average total loans | $66,482,000 | 3,658 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1390% | 3,212 |
| Cost of funding earning assets | 0.2681% | 2,049 |
| Net interest margin | 2.8709% | 3,243 |
| Noninterest income to average assets | 0.4509% | 2,441 |
| Noninterest expense to average assets | 2.3805% | 2,295 |
| Loan and lease loss provision to assets | 0.0619% | 1,484 |
| Net operating income to assets | 0.5431% | 3,786 |
| Return on assets (ROA) | 0.5531% | 3,706 |
| Pretax return on assets | 0.6274% | 3,760 |
| Return on Equity (ROE) | 8.3807% | 2,904 |
| Retained earnings to average equity (ytd only) | -0.2189% | 4,206 |
| Net charge-offs to loans | 0.1111% | 544 |
| Credit loss provision to net charge-offs | 162.1622% | 1,061 |
| Earnings coverage of net charge-offs (x) | 17.7568% | 1,599 |
| Efficiency ratio | 77.8340% | 1,094 |
| Assets per employee ($millions) | 5.0248% | 3,655 |
| Cash dividends to net income (ytd only)* | 102.6119% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 3,795 |
| Loan loss allowance to noncurrent loans | 418.1208% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 2,666 |
| Noncurrent loans to loans | 0.2270% | 2,585 |
| Net loans and leases to total assets | 34.0536% | 4,336 |
| Net loans and leases to deposits | 36.2314% | 4,383 |
| Net loans and leases to core deposits | 36.8665% | 4,408 |
| Total domestic deposits to total assets | 93.9893% | 284 |
| Equity capital to assets | 5.0073% | 4,475 |
| Core capital (leverage) ratio | 8.6820% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1011% | 701 |
| Memoranda: | ||
| Average total assets | $193,826,000 | 3,129 |
| Average earning assets | $176,042,333 | 3,161 |
| Average equity | $12,791,333 | 3,701 |
| Average total loans | $66,611,667 | 3,682 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0617% | 3,077 |
| Cost of funding earning assets | 0.2638% | 1,993 |
| Net interest margin | 2.7979% | 3,149 |
| Noninterest income to average assets | 0.4445% | 2,418 |
| Noninterest expense to average assets | 2.3496% | 2,340 |
| Loan and lease loss provision to assets | 0.0635% | 1,278 |
| Net operating income to assets | 0.5060% | 3,698 |
| Return on assets (ROA) | 0.5060% | 3,665 |
| Pretax return on assets | 0.5736% | 3,696 |
| Return on Equity (ROE) | 6.8580% | 3,084 |
| Retained earnings to average equity (ytd only) | -0.7774% | 4,120 |
| Net charge-offs to loans | 0.2265% | 276 |
| Credit loss provision to net charge-offs | 81.5789% | 1,110 |
| Earnings coverage of net charge-offs (x) | 8.1842% | 1,521 |
| Efficiency ratio | 78.6694% | 1,256 |
| Assets per employee ($millions) | 4.9520% | 3,790 |
| Cash dividends to net income (ytd only)* | 111.3360% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8864% | 4,075 |
| Loan loss allowance to noncurrent loans | 593.0000% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 2,501 |
| Noncurrent loans to loans | 0.1495% | 3,056 |
| Net loans and leases to total assets | 33.4738% | 4,321 |
| Net loans and leases to deposits | 36.0502% | 4,383 |
| Net loans and leases to core deposits | 36.6662% | 4,409 |
| Total domestic deposits to total assets | 92.8534% | 314 |
| Equity capital to assets | 6.3353% | 4,488 |
| Core capital (leverage) ratio | 8.6124% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4775% | 829 |
| Memoranda: | ||
| Average total assets | $195,267,500 | 3,133 |
| Average earning assets | $177,418,500 | 3,164 |
| Average equity | $14,406,500 | 3,614 |
| Average total loans | $67,094,500 | 3,680 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2663% | 3,307 |
| Cost of funding earning assets | 0.2860% | 2,543 |
| Net interest margin | 2.9803% | 3,250 |
| Noninterest income to average assets | 0.5243% | 2,467 |
| Noninterest expense to average assets | 2.4320% | 2,388 |
| Loan and lease loss provision to assets | 1.3963% | 17 |
| Net operating income to assets | -0.4148% | 4,754 |
| Return on assets (ROA) | -0.3921% | 4,755 |
| Pretax return on assets | -0.5463% | 4,768 |
| Return on Equity (ROE) | -4.1416% | 4,766 |
| Retained earnings to average equity (ytd only) | -10.1055% | 4,768 |
| Net charge-offs to loans | 3.8226% | 8 |
| Credit loss provision to net charge-offs | 91.7554% | 1,867 |
| Earnings coverage of net charge-offs (x) | 0.5397% | 2,642 |
| Efficiency ratio | 74.7549% | 1,232 |
| Assets per employee ($millions) | 4.8114% | 3,876 |
| Cash dividends to net income (ytd only)* | -144.0000% | 4,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 4,081 |
| Loan loss allowance to noncurrent loans | 143.5407% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 1,766 |
| Noncurrent loans to loans | 0.6212% | 1,595 |
| Net loans and leases to total assets | 34.6528% | 4,349 |
| Net loans and leases to deposits | 38.1416% | 4,392 |
| Net loans and leases to core deposits | 38.7707% | 4,430 |
| Total domestic deposits to total assets | 90.8529% | 552 |
| Equity capital to assets | 8.4508% | 4,078 |
| Core capital (leverage) ratio | 8.5712% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0695% | 746 |
| Memoranda: | ||
| Average total assets | $191,285,400 | 3,122 |
| Average earning assets | $175,151,800 | 3,131 |
| Average equity | $18,109,000 | 3,372 |
| Average total loans | $76,153,000 | 3,540 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2865% | 3,421 |
| Cost of funding earning assets | 0.2892% | 2,696 |
| Net interest margin | 2.9973% | 3,310 |
| Noninterest income to average assets | 0.5075% | 2,591 |
| Noninterest expense to average assets | 2.3917% | 2,466 |
| Loan and lease loss provision to assets | 0.0634% | 1,732 |
| Net operating income to assets | 0.6825% | 3,812 |
| Return on assets (ROA) | 0.7127% | 3,802 |
| Pretax return on assets | 0.8370% | 3,824 |
| Return on Equity (ROE) | 7.3305% | 3,580 |
| Retained earnings to average equity (ytd only) | 1.2277% | 4,366 |
| Net charge-offs to loans | -0.3471% | 4,819 |
| Credit loss provision to net charge-offs | -44.6078% | 3,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4405% | 1,266 |
| Assets per employee ($millions) | 4.7894% | 3,896 |
| Cash dividends to net income (ytd only)* | 83.2517% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 1,367 |
| Loan loss allowance to noncurrent loans | 32.5122% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.8896% | 212 |
| Noncurrent loans to loans | 4.8845% | 80 |
| Net loans and leases to total assets | 34.9664% | 4,433 |
| Net loans and leases to deposits | 38.8923% | 4,490 |
| Net loans and leases to core deposits | 39.5702% | 4,527 |
| Total domestic deposits to total assets | 89.9057% | 811 |
| Equity capital to assets | 9.2323% | 3,621 |
| Core capital (leverage) ratio | 9.6303% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,993,000 | 3,162 |
| Average earning assets | $175,177,000 | 3,164 |
| Average equity | $18,570,250 | 3,380 |
| Average total loans | $78,368,500 | 3,550 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4374% | 3,058 |
| Cost of funding earning assets | 0.2960% | 2,813 |
| Net interest margin | 3.1414% | 2,921 |
| Noninterest income to average assets | 0.5149% | 2,564 |
| Noninterest expense to average assets | 2.4487% | 2,312 |
| Loan and lease loss provision to assets | 0.0650% | 1,744 |
| Net operating income to assets | 0.7314% | 3,680 |
| Return on assets (ROA) | 0.7654% | 3,671 |
| Pretax return on assets | 0.9157% | 3,626 |
| Return on Equity (ROE) | 7.7329% | 3,482 |
| Retained earnings to average equity (ytd only) | 1.2709% | 4,283 |
| Net charge-offs to loans | -0.5281% | 4,874 |
| Credit loss provision to net charge-offs | -28.6385% | 2,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2554% | 1,410 |
| Assets per employee ($millions) | 4.2713% | 4,274 |
| Cash dividends to net income (ytd only)* | 83.5655% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 1,777 |
| Loan loss allowance to noncurrent loans | 32.9297% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.9359% | 224 |
| Noncurrent loans to loans | 4.3963% | 113 |
| Net loans and leases to total assets | 39.4906% | 4,309 |
| Net loans and leases to deposits | 44.1803% | 4,373 |
| Net loans and leases to core deposits | 44.9911% | 4,428 |
| Total domestic deposits to total assets | 89.3849% | 1,090 |
| Equity capital to assets | 9.6677% | 3,180 |
| Core capital (leverage) ratio | 9.8157% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,606,333 | 3,191 |
| Average earning assets | $171,643,333 | 3,201 |
| Average equity | $18,570,000 | 3,376 |
| Average total loans | $80,667,667 | 3,536 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4385% | 3,091 |
| Cost of funding earning assets | 0.2999% | 2,994 |
| Net interest margin | 3.1386% | 2,879 |
| Noninterest income to average assets | 0.4814% | 2,702 |
| Noninterest expense to average assets | 2.5191% | 2,124 |
| Loan and lease loss provision to assets | 0.0648% | 1,846 |
| Net operating income to assets | 0.6488% | 3,813 |
| Return on assets (ROA) | 0.7167% | 3,736 |
| Pretax return on assets | 0.8462% | 3,731 |
| Return on Equity (ROE) | 7.1536% | 3,567 |
| Retained earnings to average equity (ytd only) | 0.6895% | 4,271 |
| Net charge-offs to loans | 0.0097% | 1,565 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 192.5000% | 410 |
| Efficiency ratio | 75.1933% | 1,204 |
| Assets per employee ($millions) | 4.1285% | 4,397 |
| Cash dividends to net income (ytd only)* | 90.3614% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,464 |
| Loan loss allowance to noncurrent loans | 24.0454% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 2.1637% | 217 |
| Noncurrent loans to loans | 4.5530% | 101 |
| Net loans and leases to total assets | 41.3396% | 4,277 |
| Net loans and leases to deposits | 46.1994% | 4,343 |
| Net loans and leases to core deposits | 46.9855% | 4,409 |
| Total domestic deposits to total assets | 89.4808% | 1,073 |
| Equity capital to assets | 9.5192% | 3,181 |
| Core capital (leverage) ratio | 10.1469% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,305,500 | 3,202 |
| Average earning assets | $169,374,000 | 3,222 |
| Average equity | $18,564,000 | 3,366 |
| Average total loans | $82,492,000 | 3,518 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 2,568 |
| Cost of funding earning assets | 0.3788% | 3,718 |
| Net interest margin | 3.6756% | 1,889 |
| Noninterest income to average assets | 0.5382% | 2,474 |
| Noninterest expense to average assets | 2.7639% | 2,033 |
| Loan and lease loss provision to assets | 0.0854% | 3,306 |
| Net operating income to assets | 0.8572% | 2,875 |
| Return on assets (ROA) | 0.9442% | 2,656 |
| Pretax return on assets | 1.1416% | 2,545 |
| Return on Equity (ROE) | 8.4469% | 2,629 |
| Retained earnings to average equity (ytd only) | 1.8188% | 3,900 |
| Net charge-offs to loans | 0.2326% | 750 |
| Credit loss provision to net charge-offs | 69.9029% | 3,044 |
| Earnings coverage of net charge-offs (x) | 9.1893% | 2,541 |
| Efficiency ratio | 71.1257% | 1,790 |
| Assets per employee ($millions) | 3.9283% | 4,422 |
| Cash dividends to net income (ytd only)* | 78.4683% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 3,933 |
| Loan loss allowance to noncurrent loans | 22.0704% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 2.3802% | 196 |
| Noncurrent loans to loans | 4.4459% | 113 |
| Net loans and leases to total assets | 46.9101% | 4,062 |
| Net loans and leases to deposits | 53.0248% | 4,162 |
| Net loans and leases to core deposits | 53.9838% | 4,257 |
| Total domestic deposits to total assets | 88.4682% | 1,246 |
| Equity capital to assets | 10.5423% | 2,634 |
| Core capital (leverage) ratio | 10.5025% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,708,800 | 3,205 |
| Average earning assets | $153,661,200 | 3,225 |
| Average equity | $18,859,000 | 3,293 |
| Average total loans | $88,551,000 | 3,425 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2334% | 2,298 |
| Cost of funding earning assets | 0.3991% | 3,811 |
| Net interest margin | 3.8344% | 1,520 |
| Noninterest income to average assets | 0.5077% | 2,585 |
| Noninterest expense to average assets | 2.8185% | 1,923 |
| Loan and lease loss provision to assets | 0.0899% | 3,189 |
| Net operating income to assets | 0.8955% | 2,727 |
| Return on assets (ROA) | 1.0017% | 2,464 |
| Pretax return on assets | 1.2149% | 2,344 |
| Return on Equity (ROE) | 8.8243% | 2,467 |
| Retained earnings to average equity (ytd only) | 2.0909% | 3,898 |
| Net charge-offs to loans | -0.0105% | 4,231 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5681% | 1,809 |
| Assets per employee ($millions) | 3.8928% | 4,415 |
| Cash dividends to net income (ytd only)* | 76.3052% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,131 |
| Loan loss allowance to noncurrent loans | 27.7748% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 2.3293% | 243 |
| Noncurrent loans to loans | 4.0146% | 163 |
| Net loans and leases to total assets | 50.5640% | 4,068 |
| Net loans and leases to deposits | 57.2042% | 4,202 |
| Net loans and leases to core deposits | 58.2483% | 4,293 |
| Total domestic deposits to total assets | 88.3921% | 1,018 |
| Equity capital to assets | 10.6440% | 2,677 |
| Core capital (leverage) ratio | 10.5460% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,710,750 | 3,210 |
| Average earning assets | $150,669,250 | 3,236 |
| Average equity | $18,811,250 | 3,298 |
| Average total loans | $89,287,000 | 3,427 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 1,718 |
| Cost of funding earning assets | 0.4208% | 3,945 |
| Net interest margin | 4.1519% | 1,015 |
| Noninterest income to average assets | 0.5073% | 2,533 |
| Noninterest expense to average assets | 2.9493% | 1,721 |
| Loan and lease loss provision to assets | 0.0992% | 3,034 |
| Net operating income to assets | 1.0110% | 2,282 |
| Return on assets (ROA) | 1.1646% | 1,874 |
| Pretax return on assets | 1.4151% | 1,691 |
| Return on Equity (ROE) | 10.0276% | 1,976 |
| Retained earnings to average equity (ytd only) | 3.6202% | 3,113 |
| Net charge-offs to loans | -0.0158% | 4,342 |
| Credit loss provision to net charge-offs | -1,142.8571% | 3,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9675% | 2,091 |
| Assets per employee ($millions) | 3.4929% | 4,667 |
| Cash dividends to net income (ytd only)* | 63.8978% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,167 |
| Loan loss allowance to noncurrent loans | 159.4203% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 1,761 |
| Noncurrent loans to loans | 0.6782% | 2,174 |
| Net loans and leases to total assets | 52.9211% | 3,959 |
| Net loans and leases to deposits | 60.3495% | 4,096 |
| Net loans and leases to core deposits | 61.5110% | 4,191 |
| Total domestic deposits to total assets | 87.6910% | 1,335 |
| Equity capital to assets | 11.1451% | 2,216 |
| Core capital (leverage) ratio | 11.1671% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,258,333 | 3,234 |
| Average earning assets | $146,389,667 | 3,261 |
| Average equity | $18,728,333 | 3,298 |
| Average total loans | $88,527,667 | 3,445 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 2,149 |
| Cost of funding earning assets | 0.4603% | 4,113 |
| Net interest margin | 4.0918% | 1,150 |
| Noninterest income to average assets | 0.5092% | 2,507 |
| Noninterest expense to average assets | 3.1603% | 1,509 |
| Loan and lease loss provision to assets | 0.1228% | 2,158 |
| Net operating income to assets | 0.7721% | 3,015 |
| Return on assets (ROA) | 1.0185% | 2,220 |
| Pretax return on assets | 1.2309% | 2,099 |
| Return on Equity (ROE) | 8.5799% | 2,285 |
| Retained earnings to average equity (ytd only) | 2.1126% | 3,403 |
| Net charge-offs to loans | -0.0092% | 4,048 |
| Credit loss provision to net charge-offs | -2,400.0000% | 3,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9393% | 1,693 |
| Assets per employee ($millions) | 3.1754% | 4,702 |
| Cash dividends to net income (ytd only)* | 75.3769% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 3,169 |
| Loan loss allowance to noncurrent loans | 118.7266% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9183% | 1,453 |
| Noncurrent loans to loans | 0.9321% | 1,765 |
| Net loans and leases to total assets | 53.5271% | 4,022 |
| Net loans and leases to deposits | 61.5178% | 4,128 |
| Net loans and leases to core deposits | 62.8039% | 4,243 |
| Total domestic deposits to total assets | 87.0108% | 1,549 |
| Equity capital to assets | 11.7925% | 2,218 |
| Core capital (leverage) ratio | 11.7201% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,312,000 | 3,253 |
| Average earning assets | $141,648,500 | 3,287 |
| Average equity | $18,555,000 | 3,312 |
| Average total loans | $87,009,000 | 3,458 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 3,070 |
| Cost of funding earning assets | 0.4863% | 4,150 |
| Net interest margin | 3.9781% | 1,915 |
| Noninterest income to average assets | 0.5350% | 2,553 |
| Noninterest expense to average assets | 3.1045% | 1,747 |
| Loan and lease loss provision to assets | 0.0814% | 2,377 |
| Net operating income to assets | 0.8011% | 3,552 |
| Return on assets (ROA) | 0.8321% | 3,537 |
| Pretax return on assets | 0.9873% | 3,493 |
| Return on Equity (ROE) | 7.1277% | 3,508 |
| Retained earnings to average equity (ytd only) | 1.1335% | 4,342 |
| Net charge-offs to loans | 0.0447% | 2,490 |
| Credit loss provision to net charge-offs | 320.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 40.5500% | 1,308 |
| Efficiency ratio | 75.0538% | 1,480 |
| Assets per employee ($millions) | 2.8491% | 4,886 |
| Cash dividends to net income (ytd only)* | 84.0979% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 3,353 |
| Loan loss allowance to noncurrent loans | 125.2778% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 1,452 |
| Noncurrent loans to loans | 0.8174% | 1,870 |
| Net loans and leases to total assets | 56.6641% | 3,873 |
| Net loans and leases to deposits | 65.3171% | 3,990 |
| Net loans and leases to core deposits | 66.7294% | 4,150 |
| Total domestic deposits to total assets | 86.7524% | 1,730 |
| Equity capital to assets | 11.9509% | 2,162 |
| Core capital (leverage) ratio | 11.7332% | 1,935 |
| Tier 1 risk-based capital ratio | 20.5775% | 1,242 |
| Total risk-based capital ratio | 21.6029% | 1,242 |
| Memoranda: | ||
| Average total assets | $157,192,800 | 3,226 |
| Average earning assets | $142,304,000 | 3,250 |
| Average equity | $18,351,000 | 3,303 |
| Average total loans | $89,416,200 | 3,408 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 3,213 |
| Cost of funding earning assets | 0.4859% | 4,197 |
| Net interest margin | 3.9619% | 2,070 |
| Noninterest income to average assets | 0.5147% | 2,636 |
| Noninterest expense to average assets | 3.0644% | 1,792 |
| Loan and lease loss provision to assets | 0.0810% | 2,289 |
| Net operating income to assets | 0.8037% | 3,663 |
| Return on assets (ROA) | 0.8327% | 3,649 |
| Pretax return on assets | 0.9880% | 3,629 |
| Return on Equity (ROE) | 7.1746% | 3,617 |
| Retained earnings to average equity (ytd only) | 1.3593% | 4,470 |
| Net charge-offs to loans | 0.0535% | 2,068 |
| Credit loss provision to net charge-offs | 266.6667% | 1,039 |
| Earnings coverage of net charge-offs (x) | 34.0548% | 1,508 |
| Efficiency ratio | 74.7633% | 1,471 |
| Assets per employee ($millions) | 2.9167% | 4,931 |
| Cash dividends to net income (ytd only)* | 81.0535% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 3,740 |
| Loan loss allowance to noncurrent loans | 169.9029% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6965% | 1,956 |
| Noncurrent loans to loans | 0.5700% | 2,588 |
| Net loans and leases to total assets | 56.8085% | 3,988 |
| Net loans and leases to deposits | 65.3076% | 4,110 |
| Net loans and leases to core deposits | 66.9665% | 4,225 |
| Total domestic deposits to total assets | 86.9861% | 1,528 |
| Equity capital to assets | 11.7548% | 2,452 |
| Core capital (leverage) ratio | 11.3616% | 2,333 |
| Tier 1 risk-based capital ratio | 20.0593% | 1,350 |
| Total risk-based capital ratio | 21.0316% | 1,367 |
| Memoranda: | ||
| Average total assets | $158,027,500 | 3,250 |
| Average earning assets | $142,958,250 | 3,273 |
| Average equity | $18,342,000 | 3,318 |
| Average total loans | $89,749,750 | 3,446 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 3,295 |
| Cost of funding earning assets | 0.4835% | 4,188 |
| Net interest margin | 3.9309% | 2,150 |
| Noninterest income to average assets | 0.5120% | 2,616 |
| Noninterest expense to average assets | 3.0379% | 1,893 |
| Loan and lease loss provision to assets | 0.0809% | 2,218 |
| Net operating income to assets | 0.7978% | 3,661 |
| Return on assets (ROA) | 0.8129% | 3,665 |
| Pretax return on assets | 0.9570% | 3,688 |
| Return on Equity (ROE) | 7.0332% | 3,666 |
| Retained earnings to average equity (ytd only) | 1.5642% | 4,268 |
| Net charge-offs to loans | 0.0826% | 1,533 |
| Credit loss provision to net charge-offs | 172.9730% | 1,351 |
| Earnings coverage of net charge-offs (x) | 21.8108% | 1,718 |
| Efficiency ratio | 74.8598% | 1,534 |
| Assets per employee ($millions) | 2.9395% | 4,942 |
| Cash dividends to net income (ytd only)* | 77.7605% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 3,900 |
| Loan loss allowance to noncurrent loans | 718.8034% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 2,709 |
| Noncurrent loans to loans | 0.1313% | 4,089 |
| Net loans and leases to total assets | 55.6128% | 4,096 |
| Net loans and leases to deposits | 63.8379% | 4,232 |
| Net loans and leases to core deposits | 65.4408% | 4,341 |
| Total domestic deposits to total assets | 87.1156% | 1,543 |
| Equity capital to assets | 11.7050% | 2,444 |
| Core capital (leverage) ratio | 11.3604% | 2,289 |
| Tier 1 risk-based capital ratio | 19.3445% | 1,473 |
| Total risk-based capital ratio | 20.2491% | 1,522 |
| Memoranda: | ||
| Average total assets | $158,203,000 | 3,263 |
| Average earning assets | $142,716,000 | 3,299 |
| Average equity | $18,284,670 | 3,319 |
| Average total loans | $89,550,000 | 3,470 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 3,413 |
| Cost of funding earning assets | 0.4755% | 4,182 |
| Net interest margin | 3.8714% | 2,278 |
| Noninterest income to average assets | 0.4964% | 2,570 |
| Noninterest expense to average assets | 2.9885% | 2,023 |
| Loan and lease loss provision to assets | 0.0810% | 2,080 |
| Net operating income to assets | 0.7746% | 3,701 |
| Return on assets (ROA) | 0.7725% | 3,757 |
| Pretax return on assets | 0.9092% | 3,737 |
| Return on Equity (ROE) | 6.7266% | 3,764 |
| Retained earnings to average equity (ytd only) | 1.2130% | 4,273 |
| Net charge-offs to loans | 0.2139% | 657 |
| Credit loss provision to net charge-offs | 66.6667% | 1,875 |
| Earnings coverage of net charge-offs (x) | 8.1667% | 2,095 |
| Efficiency ratio | 75.0636% | 1,604 |
| Assets per employee ($millions) | 2.9946% | 4,980 |
| Cash dividends to net income (ytd only)* | 81.9672% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 4,206 |
| Loan loss allowance to noncurrent loans | 309.3023% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7284% | 1,928 |
| Noncurrent loans to loans | 0.2876% | 3,531 |
| Net loans and leases to total assets | 56.0102% | 4,059 |
| Net loans and leases to deposits | 64.0969% | 4,174 |
| Net loans and leases to core deposits | 65.4306% | 4,302 |
| Total domestic deposits to total assets | 87.3836% | 1,620 |
| Equity capital to assets | 11.5138% | 2,385 |
| Core capital (leverage) ratio | 11.4406% | 2,178 |
| Tier 1 risk-based capital ratio | 19.7064% | 1,398 |
| Total risk-based capital ratio | 20.5865% | 1,447 |
| Memoranda: | ||
| Average total assets | $157,937,000 | 3,318 |
| Average earning assets | $142,172,500 | 3,342 |
| Average equity | $18,137,000 | 3,344 |
| Average total loans | $89,766,000 | 3,496 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 3,024 |
| Cost of funding earning assets | 0.4164% | 3,887 |
| Net interest margin | 3.9097% | 2,297 |
| Noninterest income to average assets | 0.5166% | 2,739 |
| Noninterest expense to average assets | 2.9925% | 2,060 |
| Loan and lease loss provision to assets | 0.0791% | 2,545 |
| Net operating income to assets | 0.8180% | 3,734 |
| Return on assets (ROA) | 0.8212% | 3,728 |
| Pretax return on assets | 0.9707% | 3,698 |
| Return on Equity (ROE) | 7.4572% | 3,676 |
| Retained earnings to average equity (ytd only) | 1.8461% | 4,409 |
| Net charge-offs to loans | 0.0045% | 3,558 |
| Credit loss provision to net charge-offs | 3,200.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 423.2500% | 247 |
| Efficiency ratio | 74.0973% | 1,615 |
| Assets per employee ($millions) | 3.0223% | 4,983 |
| Cash dividends to net income (ytd only)* | 75.2445% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 4,126 |
| Loan loss allowance to noncurrent loans | 168.5300% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 1.0353% | 1,316 |
| Noncurrent loans to loans | 0.5376% | 2,662 |
| Net loans and leases to total assets | 56.6455% | 4,081 |
| Net loans and leases to deposits | 64.8976% | 4,199 |
| Net loans and leases to core deposits | 66.5356% | 4,321 |
| Total domestic deposits to total assets | 87.2843% | 1,648 |
| Equity capital to assets | 11.4533% | 2,287 |
| Core capital (leverage) ratio | 11.3468% | 2,227 |
| Tier 1 risk-based capital ratio | 19.3093% | 1,446 |
| Total risk-based capital ratio | 20.1930% | 1,489 |
| Memoranda: | ||
| Average total assets | $161,836,600 | 3,251 |
| Average earning assets | $145,790,200 | 3,302 |
| Average equity | $17,821,800 | 3,315 |
| Average total loans | $89,244,800 | 3,493 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2972% | 2,977 |
| Cost of funding earning assets | 0.4010% | 3,848 |
| Net interest margin | 3.8963% | 2,318 |
| Noninterest income to average assets | 0.4932% | 2,910 |
| Noninterest expense to average assets | 2.9577% | 2,147 |
| Loan and lease loss provision to assets | 0.0785% | 2,386 |
| Net operating income to assets | 0.8206% | 3,839 |
| Return on assets (ROA) | 0.8220% | 3,847 |
| Pretax return on assets | 0.9717% | 3,812 |
| Return on Equity (ROE) | 7.5376% | 3,732 |
| Retained earnings to average equity (ytd only) | 1.9125% | 4,606 |
| Net charge-offs to loans | 0.0075% | 3,150 |
| Credit loss provision to net charge-offs | 1,920.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 256.2654% | 360 |
| Efficiency ratio | 73.8261% | 1,624 |
| Assets per employee ($millions) | 3.1892% | 4,892 |
| Cash dividends to net income (ytd only)* | 74.6270% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 4,359 |
| Loan loss allowance to noncurrent loans | 125.8065% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.1225% | 1,271 |
| Noncurrent loans to loans | 0.6955% | 2,339 |
| Net loans and leases to total assets | 55.4152% | 4,264 |
| Net loans and leases to deposits | 63.2489% | 4,371 |
| Net loans and leases to core deposits | 65.0810% | 4,453 |
| Total domestic deposits to total assets | 87.6144% | 1,434 |
| Equity capital to assets | 11.1451% | 2,522 |
| Core capital (leverage) ratio | 10.9786% | 2,603 |
| Tier 1 risk-based capital ratio | 19.0018% | 1,534 |
| Total risk-based capital ratio | 19.8399% | 1,596 |
| Memoranda: | ||
| Average total assets | $163,005,750 | 3,269 |
| Average earning assets | $146,974,500 | 3,317 |
| Average equity | $17,777,250 | 3,343 |
| Average total loans | $89,096,500 | 3,526 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 2,883 |
| Cost of funding earning assets | 0.3855% | 3,833 |
| Net interest margin | 3.8819% | 2,272 |
| Noninterest income to average assets | 0.4812% | 2,970 |
| Noninterest expense to average assets | 2.9686% | 2,139 |
| Loan and lease loss provision to assets | 0.0780% | 2,350 |
| Net operating income to assets | 0.7946% | 3,873 |
| Return on assets (ROA) | 0.7966% | 3,869 |
| Pretax return on assets | 0.9331% | 3,868 |
| Return on Equity (ROE) | 7.3570% | 3,779 |
| Retained earnings to average equity (ytd only) | 1.7324% | 4,553 |
| Net charge-offs to loans | -0.0112% | 4,356 |
| Credit loss provision to net charge-offs | -1,280.0000% | 4,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6401% | 1,622 |
| Assets per employee ($millions) | 3.2884% | 4,831 |
| Cash dividends to net income (ytd only)* | 76.4526% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8689% | 4,481 |
| Loan loss allowance to noncurrent loans | 230.6991% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 1.2598% | 1,127 |
| Noncurrent loans to loans | 0.3766% | 3,344 |
| Net loans and leases to total assets | 53.7401% | 4,362 |
| Net loans and leases to deposits | 61.2338% | 4,467 |
| Net loans and leases to core deposits | 62.9829% | 4,554 |
| Total domestic deposits to total assets | 87.7621% | 1,499 |
| Equity capital to assets | 11.0351% | 2,606 |
| Core capital (leverage) ratio | 10.9456% | 2,569 |
| Tier 1 risk-based capital ratio | 19.9113% | 1,331 |
| Total risk-based capital ratio | 20.7657% | 1,387 |
| Memoranda: | ||
| Average total assets | $164,187,670 | 3,273 |
| Average earning assets | $147,864,670 | 3,318 |
| Average equity | $17,779,000 | 3,358 |
| Average total loans | $89,080,330 | 3,542 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 3,098 |
| Cost of funding earning assets | 0.3673% | 3,853 |
| Net interest margin | 3.7696% | 2,545 |
| Noninterest income to average assets | 0.4755% | 2,966 |
| Noninterest expense to average assets | 2.9907% | 2,088 |
| Loan and lease loss provision to assets | 0.0772% | 2,224 |
| Net operating income to assets | 0.6831% | 4,160 |
| Return on assets (ROA) | 0.6831% | 4,165 |
| Pretax return on assets | 0.8014% | 4,150 |
| Return on Equity (ROE) | 6.3674% | 4,029 |
| Retained earnings to average equity (ytd only) | 0.7425% | 4,678 |
| Net charge-offs to loans | -0.0089% | 4,198 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2926% | 1,423 |
| Assets per employee ($millions) | 3.4619% | 4,707 |
| Cash dividends to net income (ytd only)* | 88.3392% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 4,752 |
| Loan loss allowance to noncurrent loans | 197.2752% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 1.4497% | 982 |
| Noncurrent loans to loans | 0.4128% | 3,300 |
| Net loans and leases to total assets | 53.0682% | 4,364 |
| Net loans and leases to deposits | 60.1408% | 4,463 |
| Net loans and leases to core deposits | 61.7936% | 4,565 |
| Total domestic deposits to total assets | 88.2400% | 1,484 |
| Equity capital to assets | 10.6558% | 2,919 |
| Core capital (leverage) ratio | 10.6556% | 2,788 |
| Tier 1 risk-based capital ratio | 19.1817% | 1,513 |
| Total risk-based capital ratio | 19.9731% | 1,584 |
| Memoranda: | ||
| Average total assets | $165,716,000 | 3,297 |
| Average earning assets | $149,194,000 | 3,340 |
| Average equity | $17,778,000 | 3,382 |
| Average total loans | $89,945,000 | 3,543 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 2,057 |
| Cost of funding earning assets | 0.4022% | 3,235 |
| Net interest margin | 3.9869% | 1,783 |
| Noninterest income to average assets | 0.5466% | 2,734 |
| Noninterest expense to average assets | 3.0888% | 1,893 |
| Loan and lease loss provision to assets | 0.0788% | 2,618 |
| Net operating income to assets | 0.7145% | 3,541 |
| Return on assets (ROA) | 0.7269% | 3,525 |
| Pretax return on assets | 0.9924% | 3,605 |
| Return on Equity (ROE) | 6.7792% | 3,393 |
| Retained earnings to average equity (ytd only) | 1.1519% | 4,567 |
| Net charge-offs to loans | 0.0586% | 2,637 |
| Credit loss provision to net charge-offs | 241.3043% | 1,147 |
| Earnings coverage of net charge-offs (x) | 32.2826% | 1,469 |
| Efficiency ratio | 74.5545% | 1,820 |
| Assets per employee ($millions) | 3.3052% | 4,929 |
| Cash dividends to net income (ytd only)* | 83.0078% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7584% | 4,935 |
| Loan loss allowance to noncurrent loans | 111.4701% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.6156% | 821 |
| Noncurrent loans to loans | 0.6804% | 2,512 |
| Net loans and leases to total assets | 54.6361% | 4,303 |
| Net loans and leases to deposits | 62.0062% | 4,449 |
| Net loans and leases to core deposits | 63.0982% | 4,593 |
| Total domestic deposits to total assets | 88.1138% | 1,433 |
| Equity capital to assets | 10.8006% | 2,835 |
| Core capital (leverage) ratio | 10.6136% | 2,727 |
| Tier 1 risk-based capital ratio | 19.0818% | 1,493 |
| Total risk-based capital ratio | 19.8348% | 1,572 |
| Memoranda: | ||
| Average total assets | $140,865,800 | 3,600 |
| Average earning assets | $127,065,000 | 3,628 |
| Average equity | $15,105,000 | 3,712 |
| Average total loans | $78,450,400 | 3,782 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3801% | 2,013 |
| Cost of funding earning assets | 0.4171% | 3,018 |
| Net interest margin | 3.9630% | 1,823 |
| Noninterest income to average assets | 0.5204% | 2,897 |
| Noninterest expense to average assets | 3.1560% | 1,664 |
| Loan and lease loss provision to assets | 0.0782% | 2,522 |
| Net operating income to assets | 0.6866% | 4,043 |
| Return on assets (ROA) | 0.7014% | 4,033 |
| Pretax return on assets | 0.8864% | 4,082 |
| Return on Equity (ROE) | 6.5560% | 3,885 |
| Retained earnings to average equity (ytd only) | 0.5455% | 5,098 |
| Net charge-offs to loans | 0.0584% | 2,290 |
| Credit loss provision to net charge-offs | 239.3939% | 1,174 |
| Earnings coverage of net charge-offs (x) | 28.9689% | 1,596 |
| Efficiency ratio | 76.9416% | 1,468 |
| Assets per employee ($millions) | 3.6185% | 4,564 |
| Cash dividends to net income (ytd only)* | 91.6789% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 5,040 |
| Loan loss allowance to noncurrent loans | 72.4919% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.5940% | 929 |
| Noncurrent loans to loans | 1.0236% | 1,898 |
| Net loans and leases to total assets | 52.8538% | 4,508 |
| Net loans and leases to deposits | 59.7424% | 4,651 |
| Net loans and leases to core deposits | 60.8122% | 4,777 |
| Total domestic deposits to total assets | 88.4695% | 1,139 |
| Equity capital to assets | 10.4915% | 3,385 |
| Core capital (leverage) ratio | 10.3022% | 3,197 |
| Tier 1 risk-based capital ratio | 18.9302% | 1,606 |
| Total risk-based capital ratio | 19.6635% | 1,707 |
| Memoranda: | ||
| Average total assets | $134,767,500 | 3,717 |
| Average earning assets | $121,790,500 | 3,756 |
| Average equity | $14,419,000 | 3,830 |
| Average total loans | $75,317,750 | 3,870 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 1,752 |
| Cost of funding earning assets | 0.4494% | 2,609 |
| Net interest margin | 3.9712% | 1,706 |
| Noninterest income to average assets | 0.5382% | 2,772 |
| Noninterest expense to average assets | 3.2488% | 1,478 |
| Loan and lease loss provision to assets | 0.0764% | 2,454 |
| Net operating income to assets | 0.6462% | 4,102 |
| Return on assets (ROA) | 0.6618% | 4,077 |
| Pretax return on assets | 0.8244% | 4,186 |
| Return on Equity (ROE) | 6.1306% | 3,990 |
| Retained earnings to average equity (ytd only) | -2.1540% | 5,357 |
| Net charge-offs to loans | -0.0085% | 4,483 |
| Credit loss provision to net charge-offs | -1,566.6667% | 4,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6614% | 1,371 |
| Assets per employee ($millions) | 3.5586% | 4,636 |
| Cash dividends to net income (ytd only)* | 135.1351% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7503% | 5,085 |
| Loan loss allowance to noncurrent loans | 71.1275% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.6702% | 875 |
| Noncurrent loans to loans | 1.0548% | 1,865 |
| Net loans and leases to total assets | 52.2759% | 4,545 |
| Net loans and leases to deposits | 59.0462% | 4,699 |
| Net loans and leases to core deposits | 60.0969% | 4,819 |
| Total domestic deposits to total assets | 88.5338% | 1,183 |
| Equity capital to assets | 10.3510% | 3,507 |
| Core capital (leverage) ratio | 10.2013% | 3,275 |
| Tier 1 risk-based capital ratio | 18.9036% | 1,608 |
| Total risk-based capital ratio | 19.6398% | 1,710 |
| Memoranda: | ||
| Average total assets | $122,999,670 | 3,911 |
| Average earning assets | $111,251,670 | 3,960 |
| Average equity | $13,277,670 | 3,999 |
| Average total loans | $70,236,670 | 4,007 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 2,112 |
| Cost of funding earning assets | 0.4815% | 2,238 |
| Net interest margin | 3.7635% | 2,251 |
| Noninterest income to average assets | 0.5328% | 2,755 |
| Noninterest expense to average assets | 2.9508% | 2,297 |
| Loan and lease loss provision to assets | 0.0605% | 2,588 |
| Net operating income to assets | 0.7629% | 3,413 |
| Return on assets (ROA) | 0.7629% | 3,463 |
| Pretax return on assets | 0.9607% | 3,542 |
| Return on Equity (ROE) | 6.8256% | 3,481 |
| Retained earnings to average equity (ytd only) | -2.2030% | 5,187 |
| Net charge-offs to loans | -0.0265% | 4,869 |
| Credit loss provision to net charge-offs | -375.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2886% | 2,186 |
| Assets per employee ($millions) | 3.5590% | 4,705 |
| Cash dividends to net income (ytd only)* | 132.2751% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,872 |
| Loan loss allowance to noncurrent loans | 90.0838% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.2955% | 1,311 |
| Noncurrent loans to loans | 1.1902% | 1,696 |
| Net loans and leases to total assets | 59.7192% | 3,814 |
| Net loans and leases to deposits | 68.0658% | 3,982 |
| Net loans and leases to core deposits | 70.2091% | 4,135 |
| Total domestic deposits to total assets | 87.7374% | 1,873 |
| Equity capital to assets | 11.0955% | 2,536 |
| Core capital (leverage) ratio | 11.3845% | 2,036 |
| Tier 1 risk-based capital ratio | 18.8132% | 1,653 |
| Total risk-based capital ratio | 19.8999% | 1,663 |
| Memoranda: | ||
| Average total assets | $99,092,000 | 4,367 |
| Average earning assets | $90,553,500 | 4,381 |
| Average equity | $11,076,000 | 4,370 |
| Average total loans | $60,370,000 | 4,292 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 1,449 |
| Cost of funding earning assets | 0.5435% | 1,762 |
| Net interest margin | 3.9863% | 1,668 |
| Noninterest income to average assets | 0.6501% | 2,418 |
| Noninterest expense to average assets | 3.0299% | 2,260 |
| Loan and lease loss provision to assets | 0.0739% | 2,872 |
| Net operating income to assets | 0.9105% | 2,770 |
| Return on assets (ROA) | 0.9120% | 2,871 |
| Pretax return on assets | 1.1791% | 2,763 |
| Return on Equity (ROE) | 7.9668% | 2,952 |
| Retained earnings to average equity (ytd only) | 1.2381% | 4,793 |
| Net charge-offs to loans | 0.0862% | 2,467 |
| Credit loss provision to net charge-offs | 135.8491% | 1,998 |
| Earnings coverage of net charge-offs (x) | 22.9811% | 1,708 |
| Efficiency ratio | 70.7774% | 2,782 |
| Assets per employee ($millions) | 3.2844% | 5,064 |
| Cash dividends to net income (ytd only)* | 84.4595% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 4,122 |
| Loan loss allowance to noncurrent loans | 135.2052% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.0575% | 1,782 |
| Noncurrent loans to loans | 0.7642% | 2,629 |
| Net loans and leases to total assets | 60.8509% | 3,754 |
| Net loans and leases to deposits | 69.5033% | 3,957 |
| Net loans and leases to core deposits | 72.0135% | 4,079 |
| Total domestic deposits to total assets | 87.5511% | 1,849 |
| Equity capital to assets | 11.2604% | 2,363 |
| Core capital (leverage) ratio | 11.5496% | 1,897 |
| Tier 1 risk-based capital ratio | 19.4111% | 1,503 |
| Total risk-based capital ratio | 20.4935% | 1,498 |
| Memoranda: | ||
| Average total assets | $97,364,000 | 4,399 |
| Average earning assets | $88,678,200 | 4,418 |
| Average equity | $11,146,200 | 4,409 |
| Average total loans | $61,510,400 | 4,245 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 1,568 |
| Cost of funding earning assets | 0.5567% | 1,634 |
| Net interest margin | 3.9344% | 1,865 |
| Noninterest income to average assets | 0.6222% | 2,562 |
| Noninterest expense to average assets | 3.0780% | 2,085 |
| Loan and lease loss provision to assets | 0.0742% | 2,735 |
| Net operating income to assets | 0.8180% | 3,286 |
| Return on assets (ROA) | 0.8598% | 3,229 |
| Pretax return on assets | 1.1057% | 3,212 |
| Return on Equity (ROE) | 7.4796% | 3,313 |
| Retained earnings to average equity (ytd only) | 0.9081% | 5,113 |
| Net charge-offs to loans | 0.1209% | 1,747 |
| Credit loss provision to net charge-offs | 96.4286% | 2,429 |
| Earnings coverage of net charge-offs (x) | 14.6439% | 2,232 |
| Efficiency ratio | 73.2114% | 2,405 |
| Assets per employee ($millions) | 3.2187% | 5,150 |
| Cash dividends to net income (ytd only)* | 87.8596% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 4,494 |
| Loan loss allowance to noncurrent loans | 144.7368% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 1,944 |
| Noncurrent loans to loans | 0.6804% | 2,987 |
| Net loans and leases to total assets | 62.9913% | 3,526 |
| Net loans and leases to deposits | 72.2198% | 3,787 |
| Net loans and leases to core deposits | 75.0324% | 3,918 |
| Total domestic deposits to total assets | 87.2215% | 1,792 |
| Equity capital to assets | 11.6206% | 2,419 |
| Core capital (leverage) ratio | 11.4594% | 2,064 |
| Tier 1 risk-based capital ratio | 19.5282% | 1,545 |
| Total risk-based capital ratio | 20.5862% | 1,552 |
| Memoranda: | ||
| Average total assets | $97,072,250 | 4,440 |
| Average earning assets | $88,381,000 | 4,465 |
| Average equity | $11,159,000 | 4,445 |
| Average total loans | $61,742,250 | 4,268 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5012% | 1,506 |
| Cost of funding earning assets | 0.5581% | 1,638 |
| Net interest margin | 3.9431% | 1,831 |
| Noninterest income to average assets | 0.6170% | 2,526 |
| Noninterest expense to average assets | 3.0707% | 2,138 |
| Loan and lease loss provision to assets | 0.0740% | 2,657 |
| Net operating income to assets | 0.8231% | 3,204 |
| Return on assets (ROA) | 0.8391% | 3,270 |
| Pretax return on assets | 1.0818% | 3,274 |
| Return on Equity (ROE) | 7.3261% | 3,357 |
| Retained earnings to average equity (ytd only) | 1.0414% | 4,974 |
| Net charge-offs to loans | 0.1876% | 1,226 |
| Credit loss provision to net charge-offs | 62.0690% | 2,556 |
| Earnings coverage of net charge-offs (x) | 9.5172% | 2,418 |
| Efficiency ratio | 73.0073% | 2,521 |
| Assets per employee ($millions) | 3.2813% | 5,098 |
| Cash dividends to net income (ytd only)* | 85.7843% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 4,725 |
| Loan loss allowance to noncurrent loans | 125.6466% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.1571% | 1,825 |
| Noncurrent loans to loans | 0.7635% | 2,837 |
| Net loans and leases to total assets | 61.1424% | 3,734 |
| Net loans and leases to deposits | 69.9381% | 3,988 |
| Net loans and leases to core deposits | 73.7101% | 4,008 |
| Total domestic deposits to total assets | 87.4237% | 1,704 |
| Equity capital to assets | 11.3898% | 2,652 |
| Core capital (leverage) ratio | 11.3896% | 2,069 |
| Tier 1 risk-based capital ratio | 19.5658% | 1,548 |
| Total risk-based capital ratio | 20.5891% | 1,573 |
| Memoranda: | ||
| Average total assets | $97,242,670 | 4,472 |
| Average earning assets | $88,509,670 | 4,498 |
| Average equity | $11,138,330 | 4,474 |
| Average total loans | $61,846,330 | 4,288 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4520% | 1,650 |
| Cost of funding earning assets | 0.5605% | 1,620 |
| Net interest margin | 3.8915% | 1,956 |
| Noninterest income to average assets | 0.5919% | 2,581 |
| Noninterest expense to average assets | 3.1042% | 2,089 |
| Loan and lease loss provision to assets | 0.0745% | 2,470 |
| Net operating income to assets | 0.7485% | 3,490 |
| Return on assets (ROA) | 0.7616% | 3,540 |
| Pretax return on assets | 0.9644% | 3,599 |
| Return on Equity (ROE) | 6.6297% | 3,656 |
| Retained earnings to average equity (ytd only) | -2.3781% | 5,421 |
| Net charge-offs to loans | 0.3655% | 605 |
| Credit loss provision to net charge-offs | 31.5789% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 2,447 |
| Efficiency ratio | 75.2257% | 2,293 |
| Assets per employee ($millions) | 3.1618% | 5,330 |
| Cash dividends to net income (ytd only)* | 135.8696% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 4,992 |
| Loan loss allowance to noncurrent loans | 53.6493% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.6824% | 1,164 |
| Noncurrent loans to loans | 1.7150% | 1,311 |
| Net loans and leases to total assets | 62.1833% | 3,500 |
| Net loans and leases to deposits | 71.0245% | 3,751 |
| Net loans and leases to core deposits | 74.8575% | 3,805 |
| Total domestic deposits to total assets | 87.5519% | 1,896 |
| Equity capital to assets | 11.3013% | 2,627 |
| Core capital (leverage) ratio | 11.4240% | 2,028 |
| Tier 1 risk-based capital ratio | 18.8057% | 1,781 |
| Total risk-based capital ratio | 19.7714% | 1,804 |
| Memoranda: | ||
| Average total assets | $96,644,500 | 4,519 |
| Average earning assets | $87,780,000 | 4,549 |
| Average equity | $11,101,500 | 4,484 |
| Average total loans | $62,384,000 | 4,301 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 1,128 |
| Cost of funding earning assets | 0.6162% | 1,267 |
| Net interest margin | 4.0733% | 1,478 |
| Noninterest income to average assets | 0.6678% | 2,359 |
| Noninterest expense to average assets | 3.1563% | 2,072 |
| Loan and lease loss provision to assets | 0.0764% | 2,747 |
| Net operating income to assets | 0.8771% | 2,990 |
| Return on assets (ROA) | 0.8812% | 3,059 |
| Pretax return on assets | 1.1455% | 2,861 |
| Return on Equity (ROE) | 7.5037% | 3,246 |
| Retained earnings to average equity (ytd only) | 0.7232% | 5,226 |
| Net charge-offs to loans | 0.1281% | 2,088 |
| Credit loss provision to net charge-offs | 90.0000% | 2,760 |
| Earnings coverage of net charge-offs (x) | 14.3250% | 2,309 |
| Efficiency ratio | 72.1777% | 2,879 |
| Assets per employee ($millions) | 3.1758% | 5,318 |
| Cash dividends to net income (ytd only)* | 90.3614% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 4,812 |
| Loan loss allowance to noncurrent loans | 53.6693% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.7843% | 1,067 |
| Noncurrent loans to loans | 1.7881% | 1,235 |
| Net loans and leases to total assets | 65.7535% | 3,020 |
| Net loans and leases to deposits | 75.4798% | 3,320 |
| Net loans and leases to core deposits | 79.6891% | 3,382 |
| Total domestic deposits to total assets | 87.1140% | 2,067 |
| Equity capital to assets | 11.6779% | 2,211 |
| Core capital (leverage) ratio | 11.6219% | 1,876 |
| Tier 1 risk-based capital ratio | 18.7049% | 1,773 |
| Total risk-based capital ratio | 19.7288% | 1,781 |
| Memoranda: | ||
| Average total assets | $94,192,600 | 4,579 |
| Average earning assets | $85,680,400 | 4,596 |
| Average equity | $11,061,200 | 4,468 |
| Average total loans | $62,427,400 | 4,310 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7023% | 1,098 |
| Cost of funding earning assets | 0.6292% | 1,222 |
| Net interest margin | 4.0731% | 1,483 |
| Noninterest income to average assets | 0.6246% | 2,610 |
| Noninterest expense to average assets | 3.1344% | 2,128 |
| Loan and lease loss provision to assets | 0.0767% | 2,656 |
| Net operating income to assets | 0.8633% | 3,121 |
| Return on assets (ROA) | 0.8688% | 3,180 |
| Pretax return on assets | 1.1243% | 3,123 |
| Return on Equity (ROE) | 7.3878% | 3,410 |
| Retained earnings to average equity (ytd only) | 0.7484% | 5,390 |
| Net charge-offs to loans | 0.1500% | 1,636 |
| Credit loss provision to net charge-offs | 77.1429% | 2,657 |
| Earnings coverage of net charge-offs (x) | 12.0145% | 2,440 |
| Efficiency ratio | 72.4172% | 2,806 |
| Assets per employee ($millions) | 3.1846% | 5,326 |
| Cash dividends to net income (ytd only)* | 89.8698% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 4,980 |
| Loan loss allowance to noncurrent loans | 58.6680% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 1.6444% | 1,339 |
| Noncurrent loans to loans | 1.6205% | 1,524 |
| Net loans and leases to total assets | 65.3220% | 3,108 |
| Net loans and leases to deposits | 75.1605% | 3,410 |
| Net loans and leases to core deposits | 79.3551% | 3,477 |
| Total domestic deposits to total assets | 86.9101% | 2,093 |
| Equity capital to assets | 11.6193% | 2,406 |
| Core capital (leverage) ratio | 11.5720% | 1,982 |
| Tier 1 risk-based capital ratio | 18.8259% | 1,812 |
| Total risk-based capital ratio | 19.8446% | 1,837 |
| Memoranda: | ||
| Average total assets | $93,922,250 | 4,634 |
| Average earning assets | $85,403,250 | 4,652 |
| Average equity | $11,045,000 | 4,522 |
| Average total loans | $62,221,000 | 4,352 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 1,124 |
| Cost of funding earning assets | 0.6412% | 1,155 |
| Net interest margin | 4.0336% | 1,543 |
| Noninterest income to average assets | 0.6168% | 2,643 |
| Noninterest expense to average assets | 3.1612% | 2,092 |
| Loan and lease loss provision to assets | 0.0771% | 2,581 |
| Net operating income to assets | 0.8162% | 3,301 |
| Return on assets (ROA) | 0.8246% | 3,359 |
| Pretax return on assets | 1.0537% | 3,366 |
| Return on Equity (ROE) | 6.9833% | 3,615 |
| Retained earnings to average equity (ytd only) | 0.6348% | 5,307 |
| Net charge-offs to loans | 0.0742% | 2,332 |
| Credit loss provision to net charge-offs | 156.5217% | 1,490 |
| Earnings coverage of net charge-offs (x) | 22.7391% | 1,633 |
| Efficiency ratio | 73.8369% | 2,694 |
| Assets per employee ($millions) | 3.2420% | 5,272 |
| Cash dividends to net income (ytd only)* | 90.9091% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 4,851 |
| Loan loss allowance to noncurrent loans | 72.8223% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.2774% | 1,970 |
| Noncurrent loans to loans | 1.3795% | 1,960 |
| Net loans and leases to total assets | 65.7168% | 3,002 |
| Net loans and leases to deposits | 75.4847% | 3,320 |
| Net loans and leases to core deposits | 79.1152% | 3,477 |
| Total domestic deposits to total assets | 87.0598% | 2,137 |
| Equity capital to assets | 11.7564% | 2,196 |
| Core capital (leverage) ratio | 11.7413% | 1,813 |
| Tier 1 risk-based capital ratio | 19.0251% | 1,786 |
| Total risk-based capital ratio | 20.1058% | 1,794 |
| Memoranda: | ||
| Average total assets | $93,383,330 | 4,694 |
| Average earning assets | $84,836,330 | 4,714 |
| Average equity | $11,026,330 | 4,559 |
| Average total loans | $61,959,000 | 4,407 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 1,057 |
| Cost of funding earning assets | 0.6443% | 1,160 |
| Net interest margin | 4.0408% | 1,436 |
| Noninterest income to average assets | 0.6060% | 2,614 |
| Noninterest expense to average assets | 3.1934% | 2,002 |
| Loan and lease loss provision to assets | 0.0774% | 2,409 |
| Net operating income to assets | 0.7953% | 3,287 |
| Return on assets (ROA) | 0.8123% | 3,326 |
| Pretax return on assets | 1.0229% | 3,412 |
| Return on Equity (ROE) | 6.8646% | 3,577 |
| Retained earnings to average equity (ytd only) | -2.2156% | 5,705 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7485% | 2,700 |
| Assets per employee ($millions) | 3.2673% | 5,297 |
| Cash dividends to net income (ytd only)* | 132.2751% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 4,876 |
| Loan loss allowance to noncurrent loans | 102.7597% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.0089% | 2,608 |
| Noncurrent loans to loans | 1.0009% | 2,758 |
| Net loans and leases to total assets | 64.2836% | 3,055 |
| Net loans and leases to deposits | 73.6767% | 3,353 |
| Net loans and leases to core deposits | 77.1276% | 3,470 |
| Total domestic deposits to total assets | 87.2509% | 2,238 |
| Equity capital to assets | 11.5998% | 2,379 |
| Core capital (leverage) ratio | 11.7631% | 1,802 |
| Tier 1 risk-based capital ratio | 18.8874% | 1,904 |
| Total risk-based capital ratio | 19.9800% | 1,895 |
| Memoranda: | ||
| Average total assets | $93,066,500 | 4,748 |
| Average earning assets | $84,438,500 | 4,763 |
| Average equity | $11,013,000 | 4,592 |
| Average total loans | $61,732,500 | 4,441 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8208% | 1,073 |
| Cost of funding earning assets | 0.7225% | 990 |
| Net interest margin | 4.0983% | 1,585 |
| Noninterest income to average assets | 0.6399% | 2,618 |
| Noninterest expense to average assets | 3.1986% | 2,217 |
| Loan and lease loss provision to assets | 0.0487% | 3,597 |
| Net operating income to assets | 0.8530% | 3,106 |
| Return on assets (ROA) | 0.8630% | 3,144 |
| Pretax return on assets | 1.1153% | 3,028 |
| Return on Equity (ROE) | 7.3232% | 3,460 |
| Retained earnings to average equity (ytd only) | 1.8101% | 4,905 |
| Net charge-offs to loans | 0.1714% | 2,319 |
| Credit loss provision to net charge-offs | 42.0561% | 3,635 |
| Earnings coverage of net charge-offs (x) | 9.9346% | 2,678 |
| Efficiency ratio | 73.5375% | 2,920 |
| Assets per employee ($millions) | 3.0460% | 5,640 |
| Cash dividends to net income (ytd only)* | 75.2823% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 5,107 |
| Loan loss allowance to noncurrent loans | 76.2733% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.3515% | 2,071 |
| Noncurrent loans to loans | 1.3000% | 2,276 |
| Net loans and leases to total assets | 67.0905% | 2,714 |
| Net loans and leases to deposits | 77.3778% | 3,039 |
| Net loans and leases to core deposits | 81.2080% | 3,179 |
| Total domestic deposits to total assets | 86.7051% | 2,446 |
| Equity capital to assets | 12.0758% | 1,960 |
| Core capital (leverage) ratio | 11.9106% | 1,689 |
| Tier 1 risk-based capital ratio | 18.9059% | 1,878 |
| Total risk-based capital ratio | 19.9608% | 1,896 |
| Memoranda: | ||
| Average total assets | $92,352,200 | 4,784 |
| Average earning assets | $83,595,800 | 4,804 |
| Average equity | $10,883,200 | 4,588 |
| Average total loans | $62,418,000 | 4,415 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 1,099 |
| Cost of funding earning assets | 0.7294% | 996 |
| Net interest margin | 4.0753% | 1,654 |
| Noninterest income to average assets | 0.6076% | 2,818 |
| Noninterest expense to average assets | 3.1520% | 2,317 |
| Loan and lease loss provision to assets | 0.0317% | 3,779 |
| Net operating income to assets | 0.8596% | 3,127 |
| Return on assets (ROA) | 0.8596% | 3,219 |
| Pretax return on assets | 1.1087% | 3,152 |
| Return on Equity (ROE) | 7.3394% | 3,535 |
| Retained earnings to average equity (ytd only) | 1.8072% | 5,147 |
| Net charge-offs to loans | 0.0981% | 2,824 |
| Credit loss provision to net charge-offs | 47.8261% | 3,143 |
| Earnings coverage of net charge-offs (x) | 17.2178% | 1,921 |
| Efficiency ratio | 73.4317% | 2,915 |
| Assets per employee ($millions) | 3.1231% | 5,555 |
| Cash dividends to net income (ytd only)* | 75.3775% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 5,030 |
| Loan loss allowance to noncurrent loans | 55.6789% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 1.6853% | 1,798 |
| Noncurrent loans to loans | 1.8689% | 1,710 |
| Net loans and leases to total assets | 66.1778% | 2,830 |
| Net loans and leases to deposits | 75.9462% | 3,188 |
| Net loans and leases to core deposits | 79.6792% | 3,351 |
| Total domestic deposits to total assets | 87.1378% | 2,239 |
| Equity capital to assets | 11.6988% | 2,310 |
| Core capital (leverage) ratio | 11.6246% | 1,961 |
| Tier 1 risk-based capital ratio | 18.1790% | 2,154 |
| Total risk-based capital ratio | 19.2613% | 2,165 |
| Memoranda: | ||
| Average total assets | $92,595,000 | 4,826 |
| Average earning assets | $83,721,250 | 4,845 |
| Average equity | $10,845,250 | 4,624 |
| Average total loans | $62,542,000 | 4,443 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 1,106 |
| Cost of funding earning assets | 0.7344% | 996 |
| Net interest margin | 4.0440% | 1,681 |
| Noninterest income to average assets | 0.6115% | 2,757 |
| Noninterest expense to average assets | 3.2116% | 2,152 |
| Loan and lease loss provision to assets | 0.0325% | 3,634 |
| Net operating income to assets | 0.8544% | 3,051 |
| Return on assets (ROA) | 0.8544% | 3,152 |
| Pretax return on assets | 1.0214% | 3,391 |
| Return on Equity (ROE) | 7.2918% | 3,472 |
| Retained earnings to average equity (ytd only) | 1.7397% | 5,031 |
| Net charge-offs to loans | 0.0992% | 2,689 |
| Credit loss provision to net charge-offs | 48.3871% | 2,814 |
| Earnings coverage of net charge-offs (x) | 15.6774% | 1,835 |
| Efficiency ratio | 75.2923% | 2,763 |
| Assets per employee ($millions) | 3.1289% | 5,549 |
| Cash dividends to net income (ytd only)* | 76.1421% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 5,077 |
| Loan loss allowance to noncurrent loans | 49.2537% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 1.8643% | 1,745 |
| Noncurrent loans to loans | 2.1501% | 1,544 |
| Net loans and leases to total assets | 65.6901% | 2,805 |
| Net loans and leases to deposits | 75.2995% | 3,155 |
| Net loans and leases to core deposits | 79.3019% | 3,286 |
| Total domestic deposits to total assets | 87.2385% | 2,330 |
| Equity capital to assets | 11.5993% | 2,326 |
| Core capital (leverage) ratio | 11.7107% | 1,844 |
| Tier 1 risk-based capital ratio | 17.7157% | 2,346 |
| Total risk-based capital ratio | 18.7883% | 2,375 |
| Memoranda: | ||
| Average total assets | $92,229,000 | 4,868 |
| Average earning assets | $83,332,330 | 4,892 |
| Average equity | $10,806,670 | 4,651 |
| Average total loans | $62,504,000 | 4,468 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 1,180 |
| Cost of funding earning assets | 0.7409% | 1,006 |
| Net interest margin | 3.9948% | 1,783 |
| Noninterest income to average assets | 0.5645% | 2,956 |
| Noninterest expense to average assets | 3.2075% | 2,210 |
| Loan and lease loss provision to assets | 0.0306% | 3,423 |
| Net operating income to assets | 0.7527% | 3,405 |
| Return on assets (ROA) | 0.7527% | 3,488 |
| Pretax return on assets | 0.9364% | 3,571 |
| Return on Equity (ROE) | 6.3905% | 3,809 |
| Retained earnings to average equity (ytd only) | 0.8174% | 5,266 |
| Net charge-offs to loans | -0.0128% | 5,137 |
| Credit loss provision to net charge-offs | -350.0000% | 5,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8344% | 2,667 |
| Assets per employee ($millions) | 3.2208% | 5,495 |
| Cash dividends to net income (ytd only)* | 87.2093% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 5,116 |
| Loan loss allowance to noncurrent loans | 55.8728% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 1.9057% | 1,810 |
| Noncurrent loans to loans | 1.9716% | 1,899 |
| Net loans and leases to total assets | 65.8412% | 2,589 |
| Net loans and leases to deposits | 75.4102% | 2,882 |
| Net loans and leases to core deposits | 79.4207% | 3,042 |
| Total domestic deposits to total assets | 87.3108% | 2,630 |
| Equity capital to assets | 11.5469% | 2,206 |
| Core capital (leverage) ratio | 12.0250% | 1,642 |
| Tier 1 risk-based capital ratio | 17.9879% | 2,302 |
| Total risk-based capital ratio | 19.1257% | 2,323 |
| Memoranda: | ||
| Average total assets | $91,409,500 | 4,928 |
| Average earning assets | $82,606,500 | 4,954 |
| Average equity | $10,766,000 | 4,676 |
| Average total loans | $62,595,000 | 4,509 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0908% | 772 |
| Cost of funding earning assets | 0.8381% | 1,007 |
| Net interest margin | 4.2527% | 1,213 |
| Noninterest income to average assets | 0.6655% | 2,733 |
| Noninterest expense to average assets | 3.1610% | 2,544 |
| Loan and lease loss provision to assets | 0.0713% | 3,697 |
| Net operating income to assets | 0.9632% | 2,502 |
| Return on assets (ROA) | 1.0065% | 2,357 |
| Pretax return on assets | 1.3179% | 2,079 |
| Return on Equity (ROE) | 8.6663% | 2,718 |
| Retained earnings to average equity (ytd only) | 2.5300% | 4,454 |
| Net charge-offs to loans | 0.1135% | 3,683 |
| Credit loss provision to net charge-offs | 91.5493% | 2,712 |
| Earnings coverage of net charge-offs (x) | 17.1127% | 1,738 |
| Efficiency ratio | 70.3514% | 3,783 |
| Assets per employee ($millions) | 2.9806% | 5,858 |
| Cash dividends to net income (ytd only)* | 70.8061% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 5,264 |
| Loan loss allowance to noncurrent loans | 60.1423% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 1.8766% | 1,944 |
| Noncurrent loans to loans | 1.7839% | 2,250 |
| Net loans and leases to total assets | 69.7093% | 2,066 |
| Net loans and leases to deposits | 80.3475% | 2,412 |
| Net loans and leases to core deposits | 84.5501% | 2,611 |
| Total domestic deposits to total assets | 86.7598% | 2,854 |
| Equity capital to assets | 12.0190% | 1,793 |
| Core capital (leverage) ratio | 11.9498% | 1,644 |
| Tier 1 risk-based capital ratio | 18.0925% | 2,219 |
| Total risk-based capital ratio | 19.2238% | 2,223 |
| Memoranda: | ||
| Average total assets | $91,206,200 | 4,947 |
| Average earning assets | $82,088,600 | 4,980 |
| Average equity | $10,592,800 | 4,724 |
| Average total loans | $62,574,400 | 4,529 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0907% | 782 |
| Cost of funding earning assets | 0.8474% | 1,064 |
| Net interest margin | 4.2433% | 1,214 |
| Noninterest income to average assets | 0.6561% | 2,850 |
| Noninterest expense to average assets | 3.1102% | 2,622 |
| Loan and lease loss provision to assets | 0.0873% | 3,312 |
| Net operating income to assets | 0.9754% | 2,486 |
| Return on assets (ROA) | 1.0285% | 2,347 |
| Pretax return on assets | 1.3456% | 2,141 |
| Return on Equity (ROE) | 8.9314% | 2,672 |
| Retained earnings to average equity (ytd only) | 0.7201% | 5,687 |
| Net charge-offs to loans | 0.1579% | 2,971 |
| Credit loss provision to net charge-offs | 81.0811% | 2,825 |
| Earnings coverage of net charge-offs (x) | 12.6627% | 2,110 |
| Efficiency ratio | 69.5285% | 3,829 |
| Assets per employee ($millions) | 3.0511% | 5,767 |
| Cash dividends to net income (ytd only)* | 91.9386% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 5,472 |
| Loan loss allowance to noncurrent loans | 88.0105% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.4727% | 2,731 |
| Noncurrent loans to loans | 1.2075% | 3,406 |
| Net loans and leases to total assets | 67.9387% | 2,306 |
| Net loans and leases to deposits | 77.8155% | 2,700 |
| Net loans and leases to core deposits | 81.7648% | 2,898 |
| Total domestic deposits to total assets | 87.3074% | 2,504 |
| Equity capital to assets | 11.5269% | 2,283 |
| Core capital (leverage) ratio | 11.5294% | 2,016 |
| Tier 1 risk-based capital ratio | 17.5903% | 2,482 |
| Total risk-based capital ratio | 18.6986% | 2,499 |
| Memoranda: | ||
| Average total assets | $91,653,500 | 4,982 |
| Average earning assets | $82,449,000 | 5,015 |
| Average equity | $10,554,250 | 4,783 |
| Average total loans | $62,466,000 | 4,567 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0729% | 814 |
| Cost of funding earning assets | 0.8600% | 1,084 |
| Net interest margin | 4.2128% | 1,245 |
| Noninterest income to average assets | 0.6500% | 2,916 |
| Noninterest expense to average assets | 3.0951% | 2,670 |
| Loan and lease loss provision to assets | 0.0982% | 3,152 |
| Net operating income to assets | 0.9543% | 2,543 |
| Return on assets (ROA) | 1.0339% | 2,305 |
| Pretax return on assets | 1.3545% | 2,102 |
| Return on Equity (ROE) | 8.9812% | 2,616 |
| Retained earnings to average equity (ytd only) | 2.3495% | 4,795 |
| Net charge-offs to loans | 0.1765% | 2,704 |
| Credit loss provision to net charge-offs | 81.8182% | 2,593 |
| Earnings coverage of net charge-offs (x) | 11.2364% | 2,068 |
| Efficiency ratio | 69.6613% | 3,889 |
| Assets per employee ($millions) | 3.0502% | 5,766 |
| Cash dividends to net income (ytd only)* | 73.8397% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 5,547 |
| Loan loss allowance to noncurrent loans | 83.0446% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.7999% | 2,413 |
| Noncurrent loans to loans | 1.2897% | 3,401 |
| Net loans and leases to total assets | 67.7318% | 2,300 |
| Net loans and leases to deposits | 77.6375% | 2,617 |
| Net loans and leases to core deposits | 81.5704% | 2,846 |
| Total domestic deposits to total assets | 87.2411% | 2,691 |
| Equity capital to assets | 11.6158% | 2,202 |
| Core capital (leverage) ratio | 11.5061% | 1,931 |
| Tier 1 risk-based capital ratio | 18.0732% | 2,295 |
| Total risk-based capital ratio | 19.2101% | 2,293 |
| Memoranda: | ||
| Average total assets | $91,693,330 | 5,018 |
| Average earning assets | $82,557,000 | 5,037 |
| Average equity | $10,555,330 | 4,819 |
| Average total loans | $62,336,330 | 4,591 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0457% | 825 |
| Cost of funding earning assets | 0.8684% | 1,157 |
| Net interest margin | 4.1773% | 1,249 |
| Noninterest income to average assets | 0.5447% | 3,478 |
| Noninterest expense to average assets | 3.0680% | 2,777 |
| Loan and lease loss provision to assets | 0.1002% | 3,005 |
| Net operating income to assets | 0.8411% | 2,943 |
| Return on assets (ROA) | 0.9980% | 2,349 |
| Pretax return on assets | 1.3379% | 2,084 |
| Return on Equity (ROE) | 8.7085% | 2,622 |
| Retained earnings to average equity (ytd only) | -4.6014% | 6,335 |
| Net charge-offs to loans | 0.1994% | 2,221 |
| Credit loss provision to net charge-offs | 74.1935% | 2,240 |
| Earnings coverage of net charge-offs (x) | 9.0968% | 1,885 |
| Efficiency ratio | 71.3996% | 3,735 |
| Assets per employee ($millions) | 3.2121% | 5,602 |
| Cash dividends to net income (ytd only)* | 152.8384% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 5,663 |
| Loan loss allowance to noncurrent loans | 72.4435% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.9559% | 2,400 |
| Noncurrent loans to loans | 1.4988% | 3,308 |
| Net loans and leases to total assets | 65.8150% | 2,405 |
| Net loans and leases to deposits | 75.0542% | 2,767 |
| Net loans and leases to core deposits | 78.3869% | 3,006 |
| Total domestic deposits to total assets | 87.6900% | 2,523 |
| Equity capital to assets | 11.1978% | 2,741 |
| Core capital (leverage) ratio | 11.3828% | 1,957 |
| Tier 1 risk-based capital ratio | 17.6940% | 2,485 |
| Total risk-based capital ratio | 18.8368% | 2,494 |
| Memoranda: | ||
| Average total assets | $91,787,500 | 5,057 |
| Average earning assets | $82,446,500 | 5,076 |
| Average equity | $10,518,500 | 4,881 |
| Average total loans | $62,180,000 | 4,624 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4854% | 642 |
| Cost of funding earning assets | 1.0411% | 1,162 |
| Net interest margin | 4.4443% | 1,061 |
| Noninterest income to average assets | 0.6891% | 2,776 |
| Noninterest expense to average assets | 3.1485% | 2,774 |
| Loan and lease loss provision to assets | 0.1215% | 4,096 |
| Net operating income to assets | 1.0122% | 2,283 |
| Return on assets (ROA) | 1.0734% | 2,229 |
| Pretax return on assets | 1.3926% | 2,063 |
| Return on Equity (ROE) | 9.2957% | 2,486 |
| Retained earnings to average equity (ytd only) | 2.1231% | 4,734 |
| Net charge-offs to loans | 0.0753% | 4,927 |
| Credit loss provision to net charge-offs | 234.0426% | 1,054 |
| Earnings coverage of net charge-offs (x) | 27.6383% | 1,064 |
| Efficiency ratio | 68.6988% | 4,019 |
| Assets per employee ($millions) | 3.1180% | 5,810 |
| Cash dividends to net income (ytd only)* | 77.1605% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,580 |
| Loan loss allowance to noncurrent loans | 63.0897% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.1377% | 2,286 |
| Noncurrent loans to loans | 1.7330% | 3,014 |
| Net loans and leases to total assets | 68.2315% | 2,145 |
| Net loans and leases to deposits | 79.0572% | 2,401 |
| Net loans and leases to core deposits | 82.7270% | 2,693 |
| Total domestic deposits to total assets | 86.3066% | 3,200 |
| Equity capital to assets | 11.7293% | 2,241 |
| Core capital (leverage) ratio | 11.6960% | 1,738 |
| Tier 1 risk-based capital ratio | 17.6443% | 2,401 |
| Total risk-based capital ratio | 18.7857% | 2,416 |
| Memoranda: | ||
| Average total assets | $90,550,800 | 5,068 |
| Average earning assets | $79,338,400 | 5,146 |
| Average equity | $10,456,400 | 4,876 |
| Average total loans | $62,448,800 | 4,612 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5203% | 649 |
| Cost of funding earning assets | 1.0787% | 1,151 |
| Net interest margin | 4.4415% | 1,113 |
| Noninterest income to average assets | 0.6653% | 2,902 |
| Noninterest expense to average assets | 3.0527% | 3,048 |
| Loan and lease loss provision to assets | 0.1236% | 4,007 |
| Net operating income to assets | 1.0385% | 2,321 |
| Return on assets (ROA) | 1.0922% | 2,317 |
| Pretax return on assets | 1.4322% | 2,139 |
| Return on Equity (ROE) | 9.4952% | 2,591 |
| Retained earnings to average equity (ytd only) | 1.1773% | 5,707 |
| Net charge-offs to loans | 0.0341% | 5,163 |
| Credit loss provision to net charge-offs | 525.0000% | 516 |
| Earnings coverage of net charge-offs (x) | 63.0708% | 627 |
| Efficiency ratio | 67.2721% | 4,217 |
| Assets per employee ($millions) | 3.1602% | 5,714 |
| Cash dividends to net income (ytd only)* | 87.6015% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 5,753 |
| Loan loss allowance to noncurrent loans | 138.5081% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 1.4709% | 3,397 |
| Noncurrent loans to loans | 0.7877% | 4,828 |
| Net loans and leases to total assets | 67.9626% | 2,308 |
| Net loans and leases to deposits | 77.7299% | 2,701 |
| Net loans and leases to core deposits | 81.2452% | 3,056 |
| Total domestic deposits to total assets | 87.4343% | 2,392 |
| Equity capital to assets | 11.4484% | 2,803 |
| Core capital (leverage) ratio | 11.2244% | 2,194 |
| Tier 1 risk-based capital ratio | 17.3873% | 2,583 |
| Total risk-based capital ratio | 18.5355% | 2,571 |
| Memoranda: | ||
| Average total assets | $90,582,750 | 5,117 |
| Average earning assets | $78,979,500 | 5,205 |
| Average equity | $10,419,000 | 4,937 |
| Average total loans | $62,466,250 | 4,665 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5580% | 633 |
| Cost of funding earning assets | 1.1040% | 1,207 |
| Net interest margin | 4.4541% | 1,074 |
| Noninterest income to average assets | 0.6517% | 2,948 |
| Noninterest expense to average assets | 3.0678% | 3,024 |
| Loan and lease loss provision to assets | 0.1529% | 3,608 |
| Net operating income to assets | 1.0150% | 2,398 |
| Return on assets (ROA) | 1.0662% | 2,407 |
| Pretax return on assets | 1.3787% | 2,296 |
| Return on Equity (ROE) | 9.2547% | 2,689 |
| Retained earnings to average equity (ytd only) | 3.4826% | 4,273 |
| Net charge-offs to loans | 0.0193% | 5,138 |
| Credit loss provision to net charge-offs | 1,150.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 110.1667% | 391 |
| Efficiency ratio | 67.6773% | 4,192 |
| Assets per employee ($millions) | 3.1569% | 5,730 |
| Cash dividends to net income (ytd only)* | 62.3701% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 5,851 |
| Loan loss allowance to noncurrent loans | 234.0206% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 1.2605% | 3,906 |
| Noncurrent loans to loans | 0.4632% | 5,607 |
| Net loans and leases to total assets | 67.8769% | 2,305 |
| Net loans and leases to deposits | 77.6911% | 2,726 |
| Net loans and leases to core deposits | 81.5202% | 3,018 |
| Total domestic deposits to total assets | 87.3677% | 2,556 |
| Equity capital to assets | 11.5204% | 2,571 |
| Core capital (leverage) ratio | 11.5715% | 1,861 |
| Tier 1 risk-based capital ratio | 17.6576% | 2,409 |
| Total risk-based capital ratio | 18.8028% | 2,422 |
| Memoranda: | ||
| Average total assets | $90,228,330 | 5,160 |
| Average earning assets | $78,625,000 | 5,252 |
| Average equity | $10,394,670 | 4,938 |
| Average total loans | $62,297,670 | 4,703 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5054% | 747 |
| Cost of funding earning assets | 1.1501% | 1,170 |
| Net interest margin | 4.3552% | 1,328 |
| Noninterest income to average assets | 0.6386% | 2,998 |
| Noninterest expense to average assets | 3.1485% | 2,762 |
| Loan and lease loss provision to assets | 0.1563% | 3,426 |
| Net operating income to assets | 0.8936% | 2,947 |
| Return on assets (ROA) | 0.9959% | 2,686 |
| Pretax return on assets | 1.2683% | 2,658 |
| Return on Equity (ROE) | 8.6447% | 2,974 |
| Retained earnings to average equity (ytd only) | -2.9849% | 6,393 |
| Net charge-offs to loans | -0.0129% | 6,027 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8543% | 3,648 |
| Assets per employee ($millions) | 3.1049% | 5,951 |
| Cash dividends to net income (ytd only)* | 134.5291% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 6,028 |
| Loan loss allowance to noncurrent loans | 170.5729% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 1.3305% | 3,895 |
| Noncurrent loans to loans | 0.6237% | 5,401 |
| Net loans and leases to total assets | 67.6481% | 2,179 |
| Net loans and leases to deposits | 77.3375% | 2,622 |
| Net loans and leases to core deposits | 81.2472% | 2,922 |
| Total domestic deposits to total assets | 87.4713% | 2,673 |
| Equity capital to assets | 11.4104% | 2,516 |
| Core capital (leverage) ratio | 11.4548% | 1,923 |
| Tier 1 risk-based capital ratio | 17.2875% | 2,562 |
| Total risk-based capital ratio | 18.3929% | 2,593 |
| Memoranda: | ||
| Average total assets | $89,567,000 | 5,222 |
| Average earning assets | $78,251,000 | 5,296 |
| Average equity | $10,318,500 | 4,968 |
| Average total loans | $62,035,000 | 4,734 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6594% | 850 |
| Cost of funding earning assets | 1.3322% | 1,332 |
| Net interest margin | 4.3273% | 1,615 |
| Noninterest income to average assets | 0.6170% | 3,077 |
| Noninterest expense to average assets | 3.0196% | 3,524 |
| Loan and lease loss provision to assets | 0.1974% | 4,213 |
| Net operating income to assets | 1.0089% | 2,169 |
| Return on assets (ROA) | 1.0197% | 2,277 |
| Pretax return on assets | 1.2791% | 2,207 |
| Return on Equity (ROE) | 8.9501% | 2,472 |
| Retained earnings to average equity (ytd only) | 3.0098% | 4,083 |
| Net charge-offs to loans | 0.2445% | 4,252 |
| Credit loss provision to net charge-offs | 114.3791% | 2,859 |
| Earnings coverage of net charge-offs (x) | 8.4771% | 2,140 |
| Efficiency ratio | 67.3629% | 4,500 |
| Assets per employee ($millions) | 3.1819% | 5,746 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 6,275 |
| Loan loss allowance to noncurrent loans | 89.5652% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.7240% | 3,365 |
| Noncurrent loans to loans | 1.1039% | 4,503 |
| Net loans and leases to total assets | 69.4622% | 2,132 |
| Net loans and leases to deposits | 79.7130% | 2,576 |
| Net loans and leases to core deposits | 84.3306% | 2,848 |
| Total domestic deposits to total assets | 87.1404% | 2,677 |
| Equity capital to assets | 11.6317% | 2,404 |
| Core capital (leverage) ratio | 11.4688% | 1,915 |
| Tier 1 risk-based capital ratio | 17.5892% | 2,352 |
| Total risk-based capital ratio | 18.6424% | 2,394 |
| Memoranda: | ||
| Average total assets | $88,654,800 | 5,215 |
| Average earning assets | $79,195,200 | 5,253 |
| Average equity | $10,100,400 | 4,987 |
| Average total loans | $62,585,200 | 4,773 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6653% | 905 |
| Cost of funding earning assets | 1.3725% | 1,359 |
| Net interest margin | 4.2928% | 1,748 |
| Noninterest income to average assets | 0.5888% | 3,242 |
| Noninterest expense to average assets | 3.0101% | 3,525 |
| Loan and lease loss provision to assets | 0.1581% | 4,489 |
| Net operating income to assets | 1.0010% | 2,317 |
| Return on assets (ROA) | 1.0119% | 2,432 |
| Pretax return on assets | 1.2679% | 2,409 |
| Return on Equity (ROE) | 8.9288% | 2,630 |
| Retained earnings to average equity (ytd only) | 0.9567% | 5,621 |
| Net charge-offs to loans | 0.2343% | 3,960 |
| Credit loss provision to net charge-offs | 95.4545% | 3,585 |
| Earnings coverage of net charge-offs (x) | 8.5275% | 2,161 |
| Efficiency ratio | 68.0626% | 4,298 |
| Assets per employee ($millions) | 3.1924% | 5,702 |
| Cash dividends to net income (ytd only)* | 89.2855% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 6,457 |
| Loan loss allowance to noncurrent loans | 165.5462% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 1.2899% | 4,228 |
| Noncurrent loans to loans | 0.5729% | 5,730 |
| Net loans and leases to total assets | 69.0507% | 2,263 |
| Net loans and leases to deposits | 78.8752% | 2,832 |
| Net loans and leases to core deposits | 82.8263% | 3,212 |
| Total domestic deposits to total assets | 87.5442% | 2,330 |
| Equity capital to assets | 11.3225% | 2,841 |
| Core capital (leverage) ratio | 11.2813% | 2,170 |
| Tier 1 risk-based capital ratio | 17.2355% | 2,554 |
| Total risk-based capital ratio | 18.2455% | 2,606 |
| Memoranda: | ||
| Average total assets | $88,545,250 | 5,256 |
| Average earning assets | $79,076,500 | 5,298 |
| Average equity | $10,034,750 | 5,029 |
| Average total loans | $62,605,500 | 4,804 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6484% | 968 |
| Cost of funding earning assets | 1.3801% | 1,498 |
| Net interest margin | 4.2684% | 1,771 |
| Noninterest income to average assets | 0.5710% | 3,328 |
| Noninterest expense to average assets | 3.0567% | 3,403 |
| Loan and lease loss provision to assets | 0.1360% | 4,609 |
| Net operating income to assets | 0.9821% | 2,298 |
| Return on assets (ROA) | 0.9857% | 2,385 |
| Pretax return on assets | 1.2304% | 2,371 |
| Return on Equity (ROE) | 8.6948% | 2,640 |
| Retained earnings to average equity (ytd only) | 2.6984% | 4,574 |
| Net charge-offs to loans | 0.1627% | 4,201 |
| Credit loss provision to net charge-offs | 117.6471% | 2,610 |
| Earnings coverage of net charge-offs (x) | 11.7843% | 1,674 |
| Efficiency ratio | 69.1795% | 4,292 |
| Assets per employee ($millions) | 3.1588% | 5,731 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 6,435 |
| Loan loss allowance to noncurrent loans | 191.4557% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 1.4823% | 3,982 |
| Noncurrent loans to loans | 0.5089% | 5,882 |
| Net loans and leases to total assets | 69.5200% | 2,313 |
| Net loans and leases to deposits | 79.5577% | 2,876 |
| Net loans and leases to core deposits | 83.6035% | 3,272 |
| Total domestic deposits to total assets | 87.3831% | 2,530 |
| Equity capital to assets | 11.4783% | 2,519 |
| Core capital (leverage) ratio | 11.5525% | 1,879 |
| Tier 1 risk-based capital ratio | 17.5895% | 2,309 |
| Total risk-based capital ratio | 18.6379% | 2,354 |
| Memoranda: | ||
| Average total assets | $88,264,330 | 5,303 |
| Average earning assets | $79,562,330 | 5,331 |
| Average equity | $10,006,000 | 5,047 |
| Average total loans | $62,702,670 | 4,844 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5691% | 1,127 |
| Cost of funding earning assets | 1.3923% | 1,650 |
| Net interest margin | 4.1768% | 1,975 |
| Noninterest income to average assets | 0.4582% | 4,206 |
| Noninterest expense to average assets | 3.0576% | 3,430 |
| Loan and lease loss provision to assets | 0.1361% | 4,306 |
| Net operating income to assets | 0.8483% | 2,785 |
| Return on assets (ROA) | 0.8483% | 2,843 |
| Pretax return on assets | 1.0615% | 2,895 |
| Return on Equity (ROE) | 7.5305% | 3,137 |
| Retained earnings to average equity (ytd only) | -4.5505% | 6,479 |
| Net charge-offs to loans | 0.0571% | 4,362 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 29.3333% | 842 |
| Efficiency ratio | 71.8550% | 3,899 |
| Assets per employee ($millions) | 3.1906% | 5,731 |
| Cash dividends to net income (ytd only)* | 160.4278% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 6,465 |
| Loan loss allowance to noncurrent loans | 160.2597% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5514% | 3,922 |
| Noncurrent loans to loans | 0.6112% | 5,812 |
| Net loans and leases to total assets | 69.8177% | 2,166 |
| Net loans and leases to deposits | 79.4804% | 2,810 |
| Net loans and leases to core deposits | 83.5136% | 3,231 |
| Total domestic deposits to total assets | 87.8427% | 2,464 |
| Equity capital to assets | 11.0604% | 2,627 |
| Core capital (leverage) ratio | 11.2742% | 1,983 |
| Tier 1 risk-based capital ratio | 16.6810% | 2,596 |
| Total risk-based capital ratio | 17.7194% | 2,650 |
| Memoranda: | ||
| Average total assets | $88,174,000 | 5,349 |
| Average earning assets | $80,157,000 | 5,357 |
| Average equity | $9,933,000 | 5,063 |
| Average total loans | $63,008,000 | 4,871 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7729% | 1,347 |
| Cost of funding earning assets | 1.5991% | 2,073 |
| Net interest margin | 4.1738% | 2,283 |
| Noninterest income to average assets | 0.6091% | 3,408 |
| Noninterest expense to average assets | 3.1040% | 3,440 |
| Loan and lease loss provision to assets | 0.1750% | 5,476 |
| Net operating income to assets | 0.8881% | 2,435 |
| Return on assets (ROA) | 0.9102% | 2,479 |
| Pretax return on assets | 1.1471% | 2,410 |
| Return on Equity (ROE) | 7.9209% | 2,729 |
| Retained earnings to average equity (ytd only) | 1.3201% | 4,883 |
| Net charge-offs to loans | 0.3015% | 4,507 |
| Credit loss provision to net charge-offs | 78.9474% | 5,590 |
| Earnings coverage of net charge-offs (x) | 5.8368% | 2,520 |
| Efficiency ratio | 70.5757% | 4,058 |
| Assets per employee ($millions) | 3.1075% | 5,866 |
| Cash dividends to net income (ytd only)* | 83.3333% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 6,592 |
| Loan loss allowance to noncurrent loans | 71.5486% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.9181% | 3,449 |
| Noncurrent loans to loans | 1.3217% | 4,512 |
| Net loans and leases to total assets | 71.7495% | 2,152 |
| Net loans and leases to deposits | 82.1123% | 2,778 |
| Net loans and leases to core deposits | 86.7939% | 3,216 |
| Total domestic deposits to total assets | 87.3798% | 2,623 |
| Equity capital to assets | 11.4756% | 2,282 |
| Core capital (leverage) ratio | 11.5007% | 1,831 |
| Tier 1 risk-based capital ratio | 16.9867% | 2,349 |
| Total risk-based capital ratio | 17.9976% | 2,411 |
| Memoranda: | ||
| Average total assets | $85,696,000 | 5,418 |
| Average earning assets | $77,795,000 | 5,420 |
| Average equity | $9,847,400 | 5,177 |
| Average total loans | $63,010,000 | 4,950 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7762% | 1,468 |
| Cost of funding earning assets | 1.6300% | 2,215 |
| Net interest margin | 4.1463% | 2,421 |
| Noninterest income to average assets | 0.5295% | 3,945 |
| Noninterest expense to average assets | 3.0581% | 3,543 |
| Loan and lease loss provision to assets | 0.1406% | 5,624 |
| Net operating income to assets | 0.8765% | 2,708 |
| Return on assets (ROA) | 0.8840% | 2,820 |
| Pretax return on assets | 1.1027% | 2,813 |
| Return on Equity (ROE) | 7.6903% | 3,027 |
| Retained earnings to average equity (ytd only) | -1.1413% | 6,036 |
| Net charge-offs to loans | 0.0889% | 5,638 |
| Credit loss provision to net charge-offs | 214.2857% | 1,633 |
| Earnings coverage of net charge-offs (x) | 18.8091% | 1,233 |
| Efficiency ratio | 71.2518% | 3,842 |
| Assets per employee ($millions) | 2.9814% | 6,188 |
| Cash dividends to net income (ytd only)* | 114.8413% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 6,012 |
| Loan loss allowance to noncurrent loans | 91.6890% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.8262% | 3,713 |
| Noncurrent loans to loans | 1.1811% | 4,883 |
| Net loans and leases to total assets | 72.2630% | 2,197 |
| Net loans and leases to deposits | 82.5560% | 2,999 |
| Net loans and leases to core deposits | 86.1294% | 3,633 |
| Total domestic deposits to total assets | 87.5321% | 2,244 |
| Equity capital to assets | 11.3784% | 2,621 |
| Core capital (leverage) ratio | 11.4113% | 2,003 |
| Tier 1 risk-based capital ratio | 16.6721% | 2,473 |
| Total risk-based capital ratio | 17.8358% | 2,475 |
| Memoranda: | ||
| Average total assets | $85,367,250 | 5,490 |
| Average earning assets | $77,464,750 | 5,499 |
| Average equity | $9,813,000 | 5,254 |
| Average total loans | $63,006,000 | 5,025 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7857% | 1,459 |
| Cost of funding earning assets | 1.6642% | 2,315 |
| Net interest margin | 4.1215% | 2,462 |
| Noninterest income to average assets | 0.5059% | 4,066 |
| Noninterest expense to average assets | 3.0729% | 3,420 |
| Loan and lease loss provision to assets | 0.1412% | 5,482 |
| Net operating income to assets | 0.8356% | 2,802 |
| Return on assets (ROA) | 0.8470% | 2,895 |
| Pretax return on assets | 1.0470% | 2,951 |
| Return on Equity (ROE) | 7.3434% | 3,169 |
| Retained earnings to average equity (ytd only) | -0.8159% | 5,928 |
| Net charge-offs to loans | 0.0762% | 5,377 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 20.7917% | 1,200 |
| Efficiency ratio | 72.3546% | 3,760 |
| Assets per employee ($millions) | 3.0125% | 6,119 |
| Cash dividends to net income (ytd only)* | 111.1111% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 6,112 |
| Loan loss allowance to noncurrent loans | 60.9800% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.8447% | 3,703 |
| Noncurrent loans to loans | 1.7448% | 4,069 |
| Net loans and leases to total assets | 74.0806% | 1,893 |
| Net loans and leases to deposits | 85.0279% | 2,698 |
| Net loans and leases to core deposits | 90.1246% | 3,238 |
| Total domestic deposits to total assets | 87.1251% | 2,471 |
| Equity capital to assets | 11.6929% | 2,284 |
| Core capital (leverage) ratio | 11.5839% | 1,863 |
| Tier 1 risk-based capital ratio | 17.2737% | 2,177 |
| Total risk-based capital ratio | 18.4526% | 2,164 |
| Memoranda: | ||
| Average total assets | $85,002,330 | 5,534 |
| Average earning assets | $77,156,330 | 5,543 |
| Average equity | $9,804,670 | 5,258 |
| Average total loans | $62,953,330 | 5,063 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8067% | 1,433 |
| Cost of funding earning assets | 1.6856% | 2,460 |
| Net interest margin | 4.1210% | 2,352 |
| Noninterest income to average assets | 0.4875% | 4,145 |
| Noninterest expense to average assets | 3.1314% | 3,132 |
| Loan and lease loss provision to assets | 0.1406% | 5,143 |
| Net operating income to assets | 0.7469% | 3,229 |
| Return on assets (ROA) | 0.7688% | 3,230 |
| Pretax return on assets | 0.9797% | 3,165 |
| Return on Equity (ROE) | 6.7107% | 3,503 |
| Retained earnings to average equity (ytd only) | -9.6568% | 6,944 |
| Net charge-offs to loans | -0.0191% | 7,067 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1398% | 3,557 |
| Assets per employee ($millions) | 3.0376% | 6,130 |
| Cash dividends to net income (ytd only)* | 243.9024% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 6,135 |
| Loan loss allowance to noncurrent loans | 62.1974% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.7989% | 3,790 |
| Noncurrent loans to loans | 1.7257% | 4,153 |
| Net loans and leases to total assets | 72.3870% | 2,361 |
| Net loans and leases to deposits | 82.7204% | 3,159 |
| Net loans and leases to core deposits | 89.7048% | 3,405 |
| Total domestic deposits to total assets | 87.5079% | 2,354 |
| Equity capital to assets | 11.3516% | 2,466 |
| Core capital (leverage) ratio | 11.3750% | 1,983 |
| Tier 1 risk-based capital ratio | 16.7654% | 2,358 |
| Total risk-based capital ratio | 17.9265% | 2,335 |
| Memoranda: | ||
| Average total assets | $85,328,500 | 5,589 |
| Average earning assets | $77,359,500 | 5,590 |
| Average equity | $9,775,500 | 5,302 |
| Average total loans | $62,850,500 | 5,140 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1506% | 1,373 |
| Cost of funding earning assets | 1.9071% | 3,427 |
| Net interest margin | 4.2434% | 1,923 |
| Noninterest income to average assets | 0.5786% | 3,796 |
| Noninterest expense to average assets | 3.1789% | 3,450 |
| Loan and lease loss provision to assets | 0.1411% | 6,227 |
| Net operating income to assets | 0.8377% | 2,393 |
| Return on assets (ROA) | 0.8574% | 2,394 |
| Pretax return on assets | 1.1337% | 2,146 |
| Return on Equity (ROE) | 7.5315% | 2,571 |
| Retained earnings to average equity (ytd only) | 3.3990% | 2,790 |
| Net charge-offs to loans | 0.0924% | 6,199 |
| Credit loss provision to net charge-offs | 206.8966% | 1,853 |
| Earnings coverage of net charge-offs (x) | 18.3103% | 1,135 |
| Efficiency ratio | 71.7928% | 4,294 |
| Assets per employee ($millions) | 2.9518% | 6,345 |
| Cash dividends to net income (ytd only)* | 54.8697% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 6,379 |
| Loan loss allowance to noncurrent loans | 74.2690% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.5338% | 4,079 |
| Noncurrent loans to loans | 1.3472% | 4,675 |
| Net loans and leases to total assets | 73.3970% | 2,407 |
| Net loans and leases to deposits | 84.1132% | 3,237 |
| Net loans and leases to core deposits | 102.8331% | 3,708 |
| Total domestic deposits to total assets | 87.2598% | 2,352 |
| Equity capital to assets | 11.5603% | 2,274 |
| Core capital (leverage) ratio | 11.4336% | 1,955 |
| Tier 1 risk-based capital ratio | 16.8724% | 2,176 |
| Total risk-based capital ratio | 17.9563% | 2,201 |
| Memoranda: | ||
| Average total assets | $85,029,000 | 5,558 |
| Average earning assets | $77,131,200 | 5,557 |
| Average equity | $9,679,400 | 5,388 |
| Average total loans | $62,792,000 | 5,140 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1590% | 1,475 |
| Cost of funding earning assets | 1.9405% | 3,662 |
| Net interest margin | 4.2185% | 1,978 |
| Noninterest income to average assets | 0.5482% | 4,095 |
| Noninterest expense to average assets | 3.1273% | 3,549 |
| Loan and lease loss provision to assets | 0.1414% | 5,945 |
| Net operating income to assets | 0.8270% | 2,702 |
| Return on assets (ROA) | 0.8529% | 2,667 |
| Pretax return on assets | 1.1419% | 2,442 |
| Return on Equity (ROE) | 7.5217% | 2,856 |
| Retained earnings to average equity (ytd only) | 1.9808% | 4,219 |
| Net charge-offs to loans | 0.1022% | 5,648 |
| Credit loss provision to net charge-offs | 187.5000% | 2,426 |
| Earnings coverage of net charge-offs (x) | 16.5620% | 1,465 |
| Efficiency ratio | 71.4645% | 4,334 |
| Assets per employee ($millions) | 2.9679% | 6,249 |
| Cash dividends to net income (ytd only)* | 73.6650% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 6,408 |
| Loan loss allowance to noncurrent loans | 106.5744% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 1.1863% | 4,698 |
| Noncurrent loans to loans | 0.9175% | 5,456 |
| Net loans and leases to total assets | 72.4779% | 2,922 |
| Net loans and leases to deposits | 82.7466% | 3,880 |
| Net loans and leases to core deposits | 101.6855% | 4,186 |
| Total domestic deposits to total assets | 87.5902% | 1,849 |
| Equity capital to assets | 11.3095% | 2,740 |
| Core capital (leverage) ratio | 11.3601% | 2,150 |
| Tier 1 risk-based capital ratio | 16.7964% | 2,335 |
| Total risk-based capital ratio | 17.8621% | 2,340 |
| Memoranda: | ||
| Average total assets | $84,885,500 | 5,592 |
| Average earning assets | $77,024,000 | 5,592 |
| Average equity | $9,625,250 | 5,448 |
| Average total loans | $62,623,750 | 5,185 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2045% | 1,439 |
| Cost of funding earning assets | 1.9829% | 3,858 |
| Net interest margin | 4.2216% | 1,913 |
| Noninterest income to average assets | 0.5231% | 4,249 |
| Noninterest expense to average assets | 3.1506% | 3,502 |
| Loan and lease loss provision to assets | 0.1420% | 5,647 |
| Net operating income to assets | 0.7930% | 2,879 |
| Return on assets (ROA) | 0.7930% | 2,973 |
| Pretax return on assets | 1.0605% | 2,770 |
| Return on Equity (ROE) | 6.9872% | 3,210 |
| Retained earnings to average equity (ytd only) | -1.3557% | 5,581 |
| Net charge-offs to loans | 0.1248% | 4,914 |
| Credit loss provision to net charge-offs | 153.8462% | 2,983 |
| Earnings coverage of net charge-offs (x) | 13.0256% | 1,767 |
| Efficiency ratio | 72.3763% | 4,335 |
| Assets per employee ($millions) | 3.0324% | 6,053 |
| Cash dividends to net income (ytd only)* | 119.4030% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 6,495 |
| Loan loss allowance to noncurrent loans | 106.6427% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 1.2013% | 4,535 |
| Noncurrent loans to loans | 0.9017% | 5,411 |
| Net loans and leases to total assets | 72.0494% | 3,212 |
| Net loans and leases to deposits | 82.2123% | 4,191 |
| Net loans and leases to core deposits | 100.7228% | 4,434 |
| Total domestic deposits to total assets | 87.6382% | 1,953 |
| Equity capital to assets | 11.1616% | 2,785 |
| Core capital (leverage) ratio | 11.5620% | 2,054 |
| Tier 1 risk-based capital ratio | 17.2726% | 2,220 |
| Total risk-based capital ratio | 18.3524% | 2,221 |
| Memoranda: | ||
| Average total assets | $84,491,000 | 5,629 |
| Average earning assets | $76,654,000 | 5,649 |
| Average equity | $9,589,000 | 5,488 |
| Average total loans | $62,499,330 | 5,236 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3651% | 1,143 |
| Cost of funding earning assets | 2.0167% | 4,051 |
| Net interest margin | 4.3484% | 1,469 |
| Noninterest income to average assets | 0.4698% | 4,592 |
| Noninterest expense to average assets | 3.1655% | 3,132 |
| Loan and lease loss provision to assets | 0.1424% | 5,121 |
| Net operating income to assets | 0.8021% | 3,123 |
| Return on assets (ROA) | 0.8021% | 3,280 |
| Pretax return on assets | 1.0916% | 3,019 |
| Return on Equity (ROE) | 7.0088% | 3,591 |
| Retained earnings to average equity (ytd only) | 7.0088% | 2,206 |
| Net charge-offs to loans | 0.1463% | 3,796 |
| Credit loss provision to net charge-offs | 130.4348% | 3,071 |
| Earnings coverage of net charge-offs (x) | 11.3043% | 1,886 |
| Efficiency ratio | 71.9525% | 4,204 |
| Assets per employee ($millions) | 3.0654% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 6,588 |
| Loan loss allowance to noncurrent loans | 194.9664% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.8633% | 5,035 |
| Noncurrent loans to loans | 0.4786% | 6,228 |
| Net loans and leases to total assets | 71.8738% | 3,268 |
| Net loans and leases to deposits | 82.1898% | 4,254 |
| Net loans and leases to core deposits | 101.1179% | 4,428 |
| Total domestic deposits to total assets | 87.4486% | 1,992 |
| Equity capital to assets | 11.3409% | 2,692 |
| Core capital (leverage) ratio | 11.8638% | 1,968 |
| Tier 1 risk-based capital ratio | 17.4548% | 2,200 |
| Total risk-based capital ratio | 18.4966% | 2,202 |
| Memoranda: | ||
| Average total assets | $84,283,000 | 5,663 |
| Average earning assets | $76,165,500 | 5,690 |
| Average equity | $9,645,000 | 5,495 |
| Average total loans | $62,864,500 | 5,250 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9045% | 1,380 |
| Cost of funding earning assets | 2.4946% | 4,236 |
| Net interest margin | 4.4099% | 1,664 |
| Noninterest income to average assets | 0.5863% | 3,960 |
| Noninterest expense to average assets | 3.0456% | 3,917 |
| Loan and lease loss provision to assets | 0.1442% | 5,511 |
| Net operating income to assets | 1.0159% | 2,493 |
| Return on assets (ROA) | 1.0212% | 2,356 |
| Pretax return on assets | 1.3816% | 2,022 |
| Return on Equity (ROE) | 8.9207% | 2,667 |
| Retained earnings to average equity (ytd only) | 0.5247% | 4,922 |
| Net charge-offs to loans | -0.0065% | 7,809 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7281% | 4,963 |
| Assets per employee ($millions) | 2.9548% | 6,163 |
| Cash dividends to net income (ytd only)* | 94.1176% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 6,656 |
| Loan loss allowance to noncurrent loans | 146.0560% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 4,301 |
| Noncurrent loans to loans | 0.6193% | 5,510 |
| Net loans and leases to total assets | 76.0065% | 2,620 |
| Net loans and leases to deposits | 87.2480% | 3,902 |
| Net loans and leases to core deposits | 105.9581% | 4,202 |
| Total domestic deposits to total assets | 87.1155% | 1,882 |
| Equity capital to assets | 11.5501% | 2,604 |
| Core capital (leverage) ratio | 11.5133% | 2,243 |
| Tier 1 risk-based capital ratio | 16.8346% | 2,365 |
| Total risk-based capital ratio | 17.8458% | 2,385 |
| Memoranda: | ||
| Average total assets | $83,235,600 | 5,589 |
| Average earning assets | $75,081,600 | 5,624 |
| Average equity | $9,528,400 | 5,562 |
| Average total loans | $61,406,800 | 5,203 |