Home > State Bank of Bottineau > Performance and Condition Ratios
State Bank of Bottineau, 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 | 6.2562% | 459 |
| Cost of funding earning assets | 1.6499% | 1,572 |
| Net interest margin | 4.6064% | 522 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.8263% | 1,445 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.4871% | 1,042 |
| Return on assets (ROA) | 1.4871% | 1,010 |
| Pretax return on assets | 1.4871% | 1,451 |
| Return on Equity (ROE) | 17.7900% | 846 |
| Retained earnings to average equity (ytd only) | 3.4686% | 3,133 |
| Net charge-offs to loans | 0.0303% | 1,699 |
| Credit loss provision to net charge-offs | 230.7692% | 1,125 |
| Earnings coverage of net charge-offs (x) | 58.7308% | 1,199 |
| Efficiency ratio | 64.1251% | 2,592 |
| Assets per employee ($millions) | 7.2888% | 1,870 |
| Cash dividends to net income (ytd only)* | 80.5044% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 946 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 86.3200% | 145 |
| Net loans and leases to deposits | 97.3024% | 695 |
| Net loans and leases to core deposits | 115.3903% | 767 |
| Total domestic deposits to total assets | 88.7100% | 1,153 |
| Equity capital to assets | 8.5239% | 3,034 |
| Core capital (leverage) ratio | 8.6347% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9882% | 2,817 |
| Memoranda: | ||
| Average total assets | $98,646,400 | 3,847 |
| Average earning assets | $87,401,000 | 3,856 |
| Average equity | $8,245,400 | 3,901 |
| Average total loans | $85,785,800 | 3,352 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0994% | 468 |
| Cost of funding earning assets | 1.4895% | 1,638 |
| Net interest margin | 4.6099% | 519 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.8316% | 1,364 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.5078% | 1,104 |
| Return on assets (ROA) | 1.5078% | 1,096 |
| Pretax return on assets | 1.5078% | 1,540 |
| Return on Equity (ROE) | 18.1300% | 933 |
| Retained earnings to average equity (ytd only) | -1.2296% | 4,271 |
| Net charge-offs to loans | 0.1194% | 673 |
| Credit loss provision to net charge-offs | 59.2105% | 1,861 |
| Earnings coverage of net charge-offs (x) | 15.1447% | 1,971 |
| Efficiency ratio | 63.8476% | 2,511 |
| Assets per employee ($millions) | 7.4048% | 1,694 |
| Cash dividends to net income (ytd only)* | 106.7812% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 1,303 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 87.4200% | 102 |
| Net loans and leases to deposits | 102.3756% | 418 |
| Net loans and leases to core deposits | 118.2207% | 597 |
| Total domestic deposits to total assets | 85.3900% | 2,387 |
| Equity capital to assets | 8.0353% | 3,032 |
| Core capital (leverage) ratio | 7.9824% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0378% | 2,904 |
| Memoranda: | ||
| Average total assets | $97,797,250 | 3,861 |
| Average earning assets | $86,825,750 | 3,874 |
| Average equity | $8,132,250 | 3,918 |
| Average total loans | $84,865,500 | 3,360 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7596% | 587 |
| Cost of funding earning assets | 1.1449% | 2,147 |
| Net interest margin | 4.6147% | 511 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.9257% | 1,161 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.4503% | 1,214 |
| Return on assets (ROA) | 1.4503% | 1,199 |
| Pretax return on assets | 1.4503% | 1,693 |
| Return on Equity (ROE) | 17.2300% | 1,055 |
| Retained earnings to average equity (ytd only) | -10.1905% | 4,517 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.3973% | 2,324 |
| Assets per employee ($millions) | 6.6509% | 2,172 |
| Cash dividends to net income (ytd only)* | 159.1367% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 1,002 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 86.9600% | 121 |
| Net loans and leases to deposits | 106.8950% | 279 |
| Net loans and leases to core deposits | 118.3348% | 558 |
| Total domestic deposits to total assets | 81.3500% | 3,366 |
| Equity capital to assets | 8.0159% | 3,208 |
| Core capital (leverage) ratio | 8.6606% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1847% | 2,923 |
| Memoranda: | ||
| Average total assets | $95,840,667 | 3,885 |
| Average earning assets | $85,075,667 | 3,912 |
| Average equity | $8,066,333 | 3,946 |
| Average total loans | $82,504,667 | 3,384 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7585% | 442 |
| Cost of funding earning assets | 0.9981% | 2,057 |
| Net interest margin | 4.7604% | 401 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 3.1146% | 911 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.4402% | 1,309 |
| Return on assets (ROA) | 1.4402% | 1,282 |
| Pretax return on assets | 1.4402% | 1,789 |
| Return on Equity (ROE) | 16.6900% | 1,225 |
| Retained earnings to average equity (ytd only) | -30.5148% | 4,639 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.9742% | 2,093 |
| Assets per employee ($millions) | 6.5934% | 2,270 |
| Cash dividends to net income (ytd only)* | 282.8402% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 795 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 85.0400% | 182 |
| Net loans and leases to deposits | 93.4578% | 818 |
| Net loans and leases to core deposits | 100.1442% | 1,081 |
| Total domestic deposits to total assets | 90.9900% | 804 |
| Equity capital to assets | 8.4435% | 2,939 |
| Core capital (leverage) ratio | 8.1544% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6269% | 2,984 |
| Memoranda: | ||
| Average total assets | $93,879,000 | 3,958 |
| Average earning assets | $83,355,000 | 3,976 |
| Average equity | $8,101,000 | 3,990 |
| Average total loans | $79,688,500 | 3,454 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 490 |
| Cost of funding earning assets | 0.4892% | 1,475 |
| Net interest margin | 4.2385% | 490 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.6346% | 1,714 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.3555% | 1,265 |
| Return on assets (ROA) | 1.3555% | 1,223 |
| Pretax return on assets | 1.3555% | 1,918 |
| Return on Equity (ROE) | 16.3100% | 994 |
| Retained earnings to average equity (ytd only) | 3.4743% | 3,570 |
| Net charge-offs to loans | -0.0707% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.4645% | 2,441 |
| Assets per employee ($millions) | 6.8179% | 2,103 |
| Cash dividends to net income (ytd only)* | 78.7037% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 804 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.8900% | 417 |
| Net loans and leases to deposits | 90.4035% | 1,026 |
| Net loans and leases to core deposits | 96.0575% | 1,203 |
| Total domestic deposits to total assets | 90.5800% | 1,120 |
| Equity capital to assets | 8.8088% | 2,485 |
| Core capital (leverage) ratio | 8.7443% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3325% | 2,911 |
| Memoranda: | ||
| Average total assets | $95,611,000 | 3,966 |
| Average earning assets | $84,628,800 | 3,985 |
| Average equity | $7,944,000 | 4,102 |
| Average total loans | $74,992,000 | 3,490 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 534 |
| Cost of funding earning assets | 0.4122% | 1,211 |
| Net interest margin | 4.0406% | 593 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.5634% | 1,817 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.2364% | 1,566 |
| Return on assets (ROA) | 1.2364% | 1,542 |
| Pretax return on assets | 1.2364% | 2,239 |
| Return on Equity (ROE) | 15.1100% | 1,149 |
| Retained earnings to average equity (ytd only) | -2.2653% | 4,503 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.7885% | 2,307 |
| Assets per employee ($millions) | 6.8356% | 2,065 |
| Cash dividends to net income (ytd only)* | 114.9944% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 1,073 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 82.8100% | 329 |
| Net loans and leases to deposits | 91.0482% | 821 |
| Net loans and leases to core deposits | 97.3648% | 932 |
| Total domestic deposits to total assets | 90.9600% | 1,257 |
| Equity capital to assets | 8.3523% | 2,640 |
| Core capital (leverage) ratio | 8.2992% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8133% | 3,064 |
| Memoranda: | ||
| Average total assets | $95,651,250 | 3,989 |
| Average earning assets | $84,737,000 | 4,010 |
| Average equity | $7,828,000 | 4,158 |
| Average total loans | $73,861,750 | 3,521 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 843 |
| Cost of funding earning assets | 0.3770% | 1,069 |
| Net interest margin | 3.6805% | 942 |
| Noninterest income to average assets | 0.2949% | 3,399 |
| Noninterest expense to average assets | 2.5430% | 1,801 |
| Loan and lease loss provision to assets | 0.0627% | 1,475 |
| Net operating income to assets | 0.9557% | 2,335 |
| Return on assets (ROA) | 0.9557% | 2,311 |
| Pretax return on assets | 0.9557% | 2,883 |
| Return on Equity (ROE) | 11.7587% | 1,738 |
| Retained earnings to average equity (ytd only) | -12.5563% | 4,691 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7575% | 1,855 |
| Assets per employee ($millions) | 6.4036% | 2,384 |
| Cash dividends to net income (ytd only)* | 206.7834% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6569% | 1,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 78.3528% | 530 |
| Net loans and leases to deposits | 85.7040% | 1,001 |
| Net loans and leases to core deposits | 91.5907% | 1,037 |
| Total domestic deposits to total assets | 91.4225% | 1,050 |
| Equity capital to assets | 7.9674% | 3,149 |
| Core capital (leverage) ratio | 8.1982% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6760% | 3,052 |
| Memoranda: | ||
| Average total assets | $95,635,667 | 4,031 |
| Average earning assets | $84,880,333 | 4,063 |
| Average equity | $7,773,000 | 4,228 |
| Average total loans | $71,637,333 | 3,592 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 1,034 |
| Cost of funding earning assets | 0.3759% | 1,024 |
| Net interest margin | 3.4533% | 1,181 |
| Noninterest income to average assets | 0.3144% | 3,213 |
| Noninterest expense to average assets | 2.6240% | 1,540 |
| Loan and lease loss provision to assets | 0.0629% | 1,285 |
| Net operating income to assets | 0.7084% | 3,030 |
| Return on assets (ROA) | 0.7084% | 3,013 |
| Pretax return on assets | 0.7084% | 3,370 |
| Return on Equity (ROE) | 8.6302% | 2,467 |
| Retained earnings to average equity (ytd only) | -32.7333% | 4,755 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6667% | 1,453 |
| Assets per employee ($millions) | 6.3715% | 2,478 |
| Cash dividends to net income (ytd only)* | 479.2899% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 71.8739% | 847 |
| Net loans and leases to deposits | 78.4971% | 1,247 |
| Net loans and leases to core deposits | 84.2557% | 1,228 |
| Total domestic deposits to total assets | 91.5625% | 770 |
| Equity capital to assets | 7.8547% | 3,683 |
| Core capital (leverage) ratio | 7.7944% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3950% | 2,996 |
| Memoranda: | ||
| Average total assets | $95,426,500 | 4,051 |
| Average earning assets | $85,137,000 | 4,071 |
| Average equity | $7,833,000 | 4,284 |
| Average total loans | $69,191,500 | 3,635 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7534% | 391 |
| Cost of funding earning assets | 0.4668% | 1,084 |
| Net interest margin | 4.2866% | 420 |
| Noninterest income to average assets | 0.2805% | 3,713 |
| Noninterest expense to average assets | 2.8123% | 1,333 |
| Loan and lease loss provision to assets | 0.0684% | 1,703 |
| Net operating income to assets | 1.1701% | 2,020 |
| Return on assets (ROA) | 1.1701% | 2,079 |
| Pretax return on assets | 1.1701% | 2,760 |
| Return on Equity (ROE) | 12.9183% | 1,489 |
| Retained earnings to average equity (ytd only) | 2.4049% | 3,857 |
| Net charge-offs to loans | -0.1001% | 4,584 |
| Credit loss provision to net charge-offs | -88.2353% | 3,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8345% | 1,878 |
| Assets per employee ($millions) | 6.3520% | 2,448 |
| Cash dividends to net income (ytd only)* | 81.3840% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8089% | 849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 70.5290% | 982 |
| Net loans and leases to deposits | 77.6995% | 1,421 |
| Net loans and leases to core deposits | 83.4679% | 1,357 |
| Total domestic deposits to total assets | 90.7714% | 596 |
| Equity capital to assets | 8.5632% | 4,010 |
| Core capital (leverage) ratio | 8.9208% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,686,200 | 4,122 |
| Average earning assets | $77,123,800 | 4,169 |
| Average equity | $7,942,200 | 4,333 |
| Average total loans | $67,932,200 | 3,683 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 292 |
| Cost of funding earning assets | 0.4905% | 1,100 |
| Net interest margin | 4.5311% | 296 |
| Noninterest income to average assets | 0.2968% | 3,669 |
| Noninterest expense to average assets | 2.8302% | 1,273 |
| Loan and lease loss provision to assets | 0.0699% | 1,615 |
| Net operating income to assets | 1.3739% | 1,615 |
| Return on assets (ROA) | 1.3739% | 1,669 |
| Pretax return on assets | 1.3739% | 2,426 |
| Return on Equity (ROE) | 14.9422% | 1,153 |
| Retained earnings to average equity (ytd only) | 0.8282% | 4,441 |
| Net charge-offs to loans | -0.0354% | 4,206 |
| Credit loss provision to net charge-offs | -250.0000% | 3,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6364% | 2,155 |
| Assets per employee ($millions) | 5.8279% | 2,856 |
| Cash dividends to net income (ytd only)* | 94.4570% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 1,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 79.8453% | 300 |
| Net loans and leases to deposits | 88.7623% | 670 |
| Net loans and leases to core deposits | 93.1872% | 862 |
| Total domestic deposits to total assets | 89.9541% | 792 |
| Equity capital to assets | 9.1776% | 3,677 |
| Core capital (leverage) ratio | 9.2167% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,787,750 | 4,197 |
| Average earning assets | $75,300,250 | 4,246 |
| Average equity | $7,888,000 | 4,400 |
| Average total loans | $67,805,750 | 3,747 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2150% | 248 |
| Cost of funding earning assets | 0.5113% | 1,137 |
| Net interest margin | 4.7037% | 262 |
| Noninterest income to average assets | 0.3238% | 3,490 |
| Noninterest expense to average assets | 2.9492% | 1,070 |
| Loan and lease loss provision to assets | 0.0704% | 1,644 |
| Net operating income to assets | 1.4265% | 1,496 |
| Return on assets (ROA) | 1.4265% | 1,559 |
| Pretax return on assets | 1.4265% | 2,253 |
| Return on Equity (ROE) | 15.5043% | 1,051 |
| Retained earnings to average equity (ytd only) | -3.8761% | 4,751 |
| Net charge-offs to loans | -0.0539% | 4,407 |
| Credit loss provision to net charge-offs | -166.6667% | 3,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7520% | 2,192 |
| Assets per employee ($millions) | 5.6905% | 2,908 |
| Cash dividends to net income (ytd only)* | 125.0000% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 1,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 83.7846% | 142 |
| Net loans and leases to deposits | 93.1016% | 492 |
| Net loans and leases to core deposits | 97.1751% | 753 |
| Total domestic deposits to total assets | 89.9926% | 781 |
| Equity capital to assets | 9.1697% | 3,632 |
| Core capital (leverage) ratio | 9.0208% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,244,000 | 4,225 |
| Average earning assets | $74,707,000 | 4,280 |
| Average equity | $7,843,000 | 4,427 |
| Average total loans | $66,750,000 | 3,783 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4177% | 209 |
| Cost of funding earning assets | 0.5342% | 1,185 |
| Net interest margin | 4.8834% | 218 |
| Noninterest income to average assets | 0.3944% | 3,115 |
| Noninterest expense to average assets | 3.0004% | 993 |
| Loan and lease loss provision to assets | 0.0704% | 1,750 |
| Net operating income to assets | 1.5730% | 1,175 |
| Return on assets (ROA) | 1.5730% | 1,232 |
| Pretax return on assets | 1.5730% | 1,793 |
| Return on Equity (ROE) | 17.0679% | 838 |
| Retained earnings to average equity (ytd only) | -13.5015% | 4,867 |
| Net charge-offs to loans | -0.1129% | 4,673 |
| Credit loss provision to net charge-offs | -83.3333% | 2,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1052% | 2,450 |
| Assets per employee ($millions) | 5.0186% | 3,633 |
| Cash dividends to net income (ytd only)* | 179.1045% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7329% | 975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 75.9693% | 634 |
| Net loans and leases to deposits | 84.2550% | 1,119 |
| Net loans and leases to core deposits | 88.5352% | 1,326 |
| Total domestic deposits to total assets | 90.1660% | 740 |
| Equity capital to assets | 9.0464% | 3,634 |
| Core capital (leverage) ratio | 9.0553% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,187,500 | 4,241 |
| Average earning assets | $74,128,000 | 4,300 |
| Average equity | $7,851,000 | 4,444 |
| Average total loans | $63,788,000 | 3,849 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0354% | 455 |
| Cost of funding earning assets | 0.7341% | 1,547 |
| Net interest margin | 4.3013% | 510 |
| Noninterest income to average assets | 0.3190% | 3,549 |
| Noninterest expense to average assets | 2.7487% | 2,082 |
| Loan and lease loss provision to assets | 0.1507% | 2,489 |
| Net operating income to assets | 1.1427% | 1,755 |
| Return on assets (ROA) | 1.1427% | 1,881 |
| Pretax return on assets | 1.1427% | 2,540 |
| Return on Equity (ROE) | 11.6894% | 1,416 |
| Retained earnings to average equity (ytd only) | 1.0276% | 4,221 |
| Net charge-offs to loans | -0.0772% | 4,755 |
| Credit loss provision to net charge-offs | -240.0000% | 3,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3501% | 2,319 |
| Assets per employee ($millions) | 5.3162% | 3,031 |
| Cash dividends to net income (ytd only)* | 91.2088% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 71.1377% | 1,409 |
| Net loans and leases to deposits | 79.2490% | 1,951 |
| Net loans and leases to core deposits | 83.3033% | 2,099 |
| Total domestic deposits to total assets | 89.7648% | 653 |
| Equity capital to assets | 9.3864% | 3,709 |
| Core capital (leverage) ratio | 9.4294% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,636,200 | 4,247 |
| Average earning assets | $68,932,600 | 4,313 |
| Average equity | $7,784,800 | 4,445 |
| Average total loans | $64,794,600 | 3,835 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2713% | 361 |
| Cost of funding earning assets | 0.7814% | 1,584 |
| Net interest margin | 4.4899% | 388 |
| Noninterest income to average assets | 0.3321% | 3,495 |
| Noninterest expense to average assets | 2.8001% | 1,965 |
| Loan and lease loss provision to assets | 0.1533% | 2,480 |
| Net operating income to assets | 1.2740% | 1,414 |
| Return on assets (ROA) | 1.2740% | 1,524 |
| Pretax return on assets | 1.2740% | 2,144 |
| Return on Equity (ROE) | 12.8935% | 1,143 |
| Retained earnings to average equity (ytd only) | -1.4135% | 4,655 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5923% | 2,519 |
| Assets per employee ($millions) | 4.9694% | 3,287 |
| Cash dividends to net income (ytd only)* | 110.9626% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 1,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 84.9731% | 209 |
| Net loans and leases to deposits | 96.6912% | 711 |
| Net loans and leases to core deposits | 102.0158% | 1,028 |
| Total domestic deposits to total assets | 87.8809% | 1,271 |
| Equity capital to assets | 9.8401% | 3,392 |
| Core capital (leverage) ratio | 9.6761% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,280,500 | 4,272 |
| Average earning assets | $67,913,500 | 4,334 |
| Average equity | $7,735,000 | 4,476 |
| Average total loans | $65,588,500 | 3,832 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3674% | 428 |
| Cost of funding earning assets | 0.8176% | 1,748 |
| Net interest margin | 4.5499% | 453 |
| Noninterest income to average assets | 0.3698% | 3,259 |
| Noninterest expense to average assets | 2.7970% | 2,103 |
| Loan and lease loss provision to assets | 0.1541% | 2,456 |
| Net operating income to assets | 1.3638% | 1,190 |
| Return on assets (ROA) | 1.3638% | 1,285 |
| Pretax return on assets | 1.3638% | 1,821 |
| Return on Equity (ROE) | 13.7827% | 921 |
| Retained earnings to average equity (ytd only) | -5.8142% | 4,807 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1667% | 2,802 |
| Assets per employee ($millions) | 5.1931% | 2,939 |
| Cash dividends to net income (ytd only)* | 142.1846% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 1,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 87.5002% | 75 |
| Net loans and leases to deposits | 98.2373% | 643 |
| Net loans and leases to core deposits | 102.8132% | 1,076 |
| Total domestic deposits to total assets | 89.0702% | 717 |
| Equity capital to assets | 9.8669% | 3,315 |
| Core capital (leverage) ratio | 9.5742% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,870,333 | 4,279 |
| Average earning assets | $67,518,333 | 4,349 |
| Average equity | $7,705,333 | 4,496 |
| Average total loans | $64,587,000 | 3,864 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 839 |
| Cost of funding earning assets | 0.8767% | 1,983 |
| Net interest margin | 4.1972% | 932 |
| Noninterest income to average assets | 0.4367% | 2,868 |
| Noninterest expense to average assets | 2.7332% | 2,625 |
| Loan and lease loss provision to assets | 0.1541% | 1,857 |
| Net operating income to assets | 1.1406% | 1,719 |
| Return on assets (ROA) | 1.1406% | 1,826 |
| Pretax return on assets | 1.1406% | 2,392 |
| Return on Equity (ROE) | 11.5100% | 1,259 |
| Retained earnings to average equity (ytd only) | -19.5982% | 4,958 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2194% | 2,785 |
| Assets per employee ($millions) | 5.1971% | 2,431 |
| Cash dividends to net income (ytd only)* | 270.2703% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 80.4916% | 636 |
| Net loans and leases to deposits | 90.1047% | 1,500 |
| Net loans and leases to core deposits | 94.2813% | 1,945 |
| Total domestic deposits to total assets | 89.3312% | 539 |
| Equity capital to assets | 9.6580% | 4,073 |
| Core capital (leverage) ratio | 9.6963% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,857,000 | 4,290 |
| Average earning assets | $66,615,500 | 4,376 |
| Average equity | $7,715,000 | 4,521 |
| Average total loans | $62,300,500 | 3,916 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6090% | 467 |
| Cost of funding earning assets | 0.9140% | 2,139 |
| Net interest margin | 4.6950% | 477 |
| Noninterest income to average assets | 0.3052% | 3,861 |
| Noninterest expense to average assets | 2.9303% | 2,209 |
| Loan and lease loss provision to assets | 0.1358% | 1,574 |
| Net operating income to assets | 1.2777% | 1,781 |
| Return on assets (ROA) | 1.2777% | 1,855 |
| Pretax return on assets | 1.2777% | 2,581 |
| Return on Equity (ROE) | 13.0501% | 1,152 |
| Retained earnings to average equity (ytd only) | 5.4552% | 2,187 |
| Net charge-offs to loans | -0.0769% | 4,910 |
| Credit loss provision to net charge-offs | -210.0000% | 4,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8354% | 2,639 |
| Assets per employee ($millions) | 5.1839% | 2,353 |
| Cash dividends to net income (ytd only)* | 58.1984% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 1,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 77.0892% | 1,247 |
| Net loans and leases to deposits | 86.9142% | 1,982 |
| Net loans and leases to core deposits | 90.9757% | 2,325 |
| Total domestic deposits to total assets | 88.6957% | 796 |
| Equity capital to assets | 10.1610% | 3,773 |
| Core capital (leverage) ratio | 10.0719% | 3,438 |
| Tier 1 risk-based capital ratio | 11.7573% | 4,492 |
| Total risk-based capital ratio | 13.0095% | 4,369 |
| Memoranda: | ||
| Average total assets | $77,329,400 | 4,330 |
| Average earning assets | $66,517,800 | 4,396 |
| Average equity | $7,570,800 | 4,559 |
| Average total loans | $64,985,600 | 3,887 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6408% | 459 |
| Cost of funding earning assets | 0.8991% | 2,242 |
| Net interest margin | 4.7417% | 460 |
| Noninterest income to average assets | 0.2987% | 3,953 |
| Noninterest expense to average assets | 2.9404% | 2,126 |
| Loan and lease loss provision to assets | 0.1295% | 1,495 |
| Net operating income to assets | 1.3174% | 1,783 |
| Return on assets (ROA) | 1.3174% | 1,854 |
| Pretax return on assets | 1.3174% | 2,609 |
| Return on Equity (ROE) | 13.5854% | 1,085 |
| Retained earnings to average equity (ytd only) | 3.3474% | 3,725 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3912% | 2,677 |
| Assets per employee ($millions) | 5.2607% | 2,275 |
| Cash dividends to net income (ytd only)* | 75.3605% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 84.5357% | 293 |
| Net loans and leases to deposits | 103.8079% | 422 |
| Net loans and leases to core deposits | 109.0267% | 991 |
| Total domestic deposits to total assets | 81.4348% | 3,630 |
| Equity capital to assets | 9.7287% | 4,265 |
| Core capital (leverage) ratio | 9.5108% | 4,156 |
| Tier 1 risk-based capital ratio | 10.6852% | 5,026 |
| Total risk-based capital ratio | 11.9048% | 4,955 |
| Memoranda: | ||
| Average total assets | $77,222,250 | 4,382 |
| Average earning assets | $66,584,500 | 4,449 |
| Average equity | $7,488,250 | 4,626 |
| Average total loans | $66,011,250 | 3,900 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 559 |
| Cost of funding earning assets | 0.8283% | 2,508 |
| Net interest margin | 4.6825% | 509 |
| Noninterest income to average assets | 0.3157% | 3,819 |
| Noninterest expense to average assets | 2.9846% | 2,044 |
| Loan and lease loss provision to assets | 0.1174% | 1,595 |
| Net operating income to assets | 1.2549% | 1,937 |
| Return on assets (ROA) | 1.2549% | 1,994 |
| Pretax return on assets | 1.2549% | 2,725 |
| Return on Equity (ROE) | 12.9557% | 1,257 |
| Retained earnings to average equity (ytd only) | -0.5118% | 4,765 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8443% | 2,558 |
| Assets per employee ($millions) | 5.2564% | 2,194 |
| Cash dividends to net income (ytd only)* | 103.9501% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 2,455 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 85.7266% | 233 |
| Net loans and leases to deposits | 104.8832% | 387 |
| Net loans and leases to core deposits | 111.0870% | 915 |
| Total domestic deposits to total assets | 81.7353% | 3,596 |
| Equity capital to assets | 9.4691% | 4,431 |
| Core capital (leverage) ratio | 9.6427% | 3,986 |
| Tier 1 risk-based capital ratio | 10.4177% | 5,132 |
| Total risk-based capital ratio | 11.5987% | 5,072 |
| Memoranda: | ||
| Average total assets | $76,659,330 | 4,425 |
| Average earning assets | $66,161,000 | 4,494 |
| Average equity | $7,425,330 | 4,664 |
| Average total loans | $65,492,330 | 3,940 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4244% | 600 |
| Cost of funding earning assets | 0.7590% | 2,747 |
| Net interest margin | 4.6654% | 532 |
| Noninterest income to average assets | 0.3652% | 3,411 |
| Noninterest expense to average assets | 3.0755% | 1,790 |
| Loan and lease loss provision to assets | 0.0794% | 2,104 |
| Net operating income to assets | 1.2122% | 2,010 |
| Return on assets (ROA) | 1.2122% | 2,060 |
| Pretax return on assets | 1.2122% | 2,759 |
| Return on Equity (ROE) | 12.3700% | 1,423 |
| Retained earnings to average equity (ytd only) | -6.5361% | 4,994 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8182% | 2,372 |
| Assets per employee ($millions) | 4.8919% | 2,655 |
| Cash dividends to net income (ytd only)* | 152.8384% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 2,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 85.3771% | 246 |
| Net loans and leases to deposits | 96.2616% | 938 |
| Net loans and leases to core deposits | 101.8981% | 1,473 |
| Total domestic deposits to total assets | 88.6928% | 999 |
| Equity capital to assets | 10.0153% | 3,807 |
| Core capital (leverage) ratio | 9.8414% | 3,777 |
| Tier 1 risk-based capital ratio | 11.0319% | 4,960 |
| Total risk-based capital ratio | 12.2552% | 4,876 |
| Memoranda: | ||
| Average total assets | $75,566,000 | 4,492 |
| Average earning assets | $64,818,000 | 4,565 |
| Average equity | $7,405,000 | 4,698 |
| Average total loans | $64,027,500 | 4,005 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4317% | 459 |
| Cost of funding earning assets | 0.7236% | 1,934 |
| Net interest margin | 4.7081% | 478 |
| Noninterest income to average assets | 0.2649% | 4,343 |
| Noninterest expense to average assets | 3.0646% | 1,886 |
| Loan and lease loss provision to assets | 0.0775% | 2,576 |
| Net operating income to assets | 1.1408% | 2,429 |
| Return on assets (ROA) | 1.1408% | 2,430 |
| Pretax return on assets | 1.1408% | 3,128 |
| Return on Equity (ROE) | 12.3321% | 1,604 |
| Retained earnings to average equity (ytd only) | 3.4636% | 3,681 |
| Net charge-offs to loans | -0.0541% | 4,999 |
| Credit loss provision to net charge-offs | -171.4286% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9201% | 2,051 |
| Assets per employee ($millions) | 4.5738% | 3,054 |
| Cash dividends to net income (ytd only)* | 71.9139% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 82.0820% | 635 |
| Net loans and leases to deposits | 94.7927% | 1,193 |
| Net loans and leases to core deposits | 99.7468% | 1,732 |
| Total domestic deposits to total assets | 86.5910% | 1,969 |
| Equity capital to assets | 9.5956% | 4,050 |
| Core capital (leverage) ratio | 9.4489% | 4,173 |
| Tier 1 risk-based capital ratio | 10.8757% | 5,032 |
| Total risk-based capital ratio | 12.0403% | 4,959 |
| Memoranda: | ||
| Average total assets | $77,400,600 | 4,476 |
| Average earning assets | $66,056,600 | 4,556 |
| Average equity | $7,160,200 | 4,723 |
| Average total loans | $64,676,400 | 3,990 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3074% | 516 |
| Cost of funding earning assets | 0.6644% | 2,069 |
| Net interest margin | 4.6430% | 538 |
| Noninterest income to average assets | 0.2742% | 4,319 |
| Noninterest expense to average assets | 3.0818% | 1,811 |
| Loan and lease loss provision to assets | 0.0776% | 2,405 |
| Net operating income to assets | 1.0917% | 2,701 |
| Return on assets (ROA) | 1.0917% | 2,717 |
| Pretax return on assets | 1.0917% | 3,428 |
| Return on Equity (ROE) | 11.9122% | 1,820 |
| Retained earnings to average equity (ytd only) | -0.0377% | 5,042 |
| Net charge-offs to loans | -0.1031% | 5,169 |
| Credit loss provision to net charge-offs | -90.0000% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8458% | 1,906 |
| Assets per employee ($millions) | 4.6894% | 2,858 |
| Cash dividends to net income (ytd only)* | 100.3164% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 2,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 85.2093% | 339 |
| Net loans and leases to deposits | 108.7300% | 328 |
| Net loans and leases to core deposits | 113.7137% | 834 |
| Total domestic deposits to total assets | 78.3678% | 4,424 |
| Equity capital to assets | 9.0443% | 4,511 |
| Core capital (leverage) ratio | 8.9438% | 4,754 |
| Tier 1 risk-based capital ratio | 10.0449% | 5,372 |
| Total risk-based capital ratio | 11.1594% | 5,353 |
| Memoranda: | ||
| Average total assets | $77,312,250 | 4,526 |
| Average earning assets | $66,220,250 | 4,606 |
| Average equity | $7,085,000 | 4,784 |
| Average total loans | $64,693,750 | 4,028 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1797% | 575 |
| Cost of funding earning assets | 0.5769% | 2,383 |
| Net interest margin | 4.6028% | 545 |
| Noninterest income to average assets | 0.2980% | 4,186 |
| Noninterest expense to average assets | 3.2728% | 1,380 |
| Loan and lease loss provision to assets | 0.0784% | 2,338 |
| Net operating income to assets | 0.8679% | 3,593 |
| Return on assets (ROA) | 0.8679% | 3,595 |
| Pretax return on assets | 0.8679% | 4,062 |
| Return on Equity (ROE) | 9.4274% | 2,843 |
| Retained earnings to average equity (ytd only) | -6.4742% | 5,342 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8897% | 1,328 |
| Assets per employee ($millions) | 4.9519% | 2,482 |
| Cash dividends to net income (ytd only)* | 168.6747% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 83.8233% | 473 |
| Net loans and leases to deposits | 108.3903% | 337 |
| Net loans and leases to core deposits | 113.9431% | 796 |
| Total domestic deposits to total assets | 77.3346% | 4,689 |
| Equity capital to assets | 8.8185% | 4,704 |
| Core capital (leverage) ratio | 9.0384% | 4,659 |
| Tier 1 risk-based capital ratio | 9.8357% | 5,460 |
| Total risk-based capital ratio | 10.8705% | 5,456 |
| Memoranda: | ||
| Average total assets | $76,510,000 | 4,586 |
| Average earning assets | $65,178,000 | 4,675 |
| Average equity | $7,043,330 | 4,838 |
| Average total loans | $63,354,000 | 4,088 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0866% | 600 |
| Cost of funding earning assets | 0.5018% | 2,781 |
| Net interest margin | 4.5848% | 521 |
| Noninterest income to average assets | 0.3513% | 3,796 |
| Noninterest expense to average assets | 3.7046% | 753 |
| Loan and lease loss provision to assets | 0.0798% | 2,183 |
| Net operating income to assets | 0.4578% | 4,796 |
| Return on assets (ROA) | 0.4578% | 4,796 |
| Pretax return on assets | 0.4578% | 4,949 |
| Return on Equity (ROE) | 4.8646% | 4,537 |
| Retained earnings to average equity (ytd only) | -18.3271% | 5,486 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7001% | 593 |
| Assets per employee ($millions) | 4.7214% | 2,830 |
| Cash dividends to net income (ytd only)* | 476.7442% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 3,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 81.4424% | 733 |
| Net loans and leases to deposits | 96.5597% | 970 |
| Net loans and leases to core deposits | 101.3008% | 1,588 |
| Total domestic deposits to total assets | 84.3440% | 3,172 |
| Equity capital to assets | 9.1352% | 4,430 |
| Core capital (leverage) ratio | 9.1783% | 4,465 |
| Tier 1 risk-based capital ratio | 10.3227% | 5,409 |
| Total risk-based capital ratio | 11.4020% | 5,394 |
| Memoranda: | ||
| Average total assets | $75,149,500 | 4,657 |
| Average earning assets | $63,776,000 | 4,752 |
| Average equity | $7,071,500 | 4,888 |
| Average total loans | $61,464,000 | 4,168 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0060% | 642 |
| Cost of funding earning assets | 0.5139% | 2,220 |
| Net interest margin | 4.4921% | 620 |
| Noninterest income to average assets | 0.2449% | 4,668 |
| Noninterest expense to average assets | 2.8818% | 2,518 |
| Loan and lease loss provision to assets | 0.0736% | 2,738 |
| Net operating income to assets | 1.1739% | 1,600 |
| Return on assets (ROA) | 1.1739% | 1,622 |
| Pretax return on assets | 1.1739% | 2,876 |
| Return on Equity (ROE) | 12.6427% | 1,042 |
| Retained earnings to average equity (ytd only) | 4.9302% | 2,169 |
| Net charge-offs to loans | -0.0082% | 4,740 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1086% | 2,680 |
| Assets per employee ($millions) | 5.3397% | 2,113 |
| Cash dividends to net income (ytd only)* | 61.0034% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 3,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 80.2732% | 918 |
| Net loans and leases to deposits | 93.0127% | 1,389 |
| Net loans and leases to core deposits | 97.1192% | 1,931 |
| Total domestic deposits to total assets | 86.3034% | 2,314 |
| Equity capital to assets | 9.6875% | 4,044 |
| Core capital (leverage) ratio | 9.0925% | 4,532 |
| Tier 1 risk-based capital ratio | 11.3156% | 4,969 |
| Total risk-based capital ratio | 12.4168% | 4,928 |
| Memoranda: | ||
| Average total assets | $74,711,000 | 4,698 |
| Average earning assets | $64,603,000 | 4,773 |
| Average equity | $6,936,800 | 4,948 |
| Average total loans | $60,748,400 | 4,186 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9601% | 667 |
| Cost of funding earning assets | 0.5129% | 2,165 |
| Net interest margin | 4.4472% | 669 |
| Noninterest income to average assets | 0.2356% | 4,802 |
| Noninterest expense to average assets | 2.8558% | 2,548 |
| Loan and lease loss provision to assets | 0.0785% | 2,514 |
| Net operating income to assets | 1.1548% | 1,860 |
| Return on assets (ROA) | 1.1548% | 1,905 |
| Pretax return on assets | 1.1548% | 3,096 |
| Return on Equity (ROE) | 12.5742% | 1,158 |
| Retained earnings to average equity (ytd only) | 2.1767% | 4,554 |
| Net charge-offs to loans | -0.0044% | 4,433 |
| Credit loss provision to net charge-offs | -2,200.0000% | 5,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1401% | 2,683 |
| Assets per employee ($millions) | 5.5176% | 1,906 |
| Cash dividends to net income (ytd only)* | 82.6894% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 3,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.8116% | 724 |
| Net loans and leases to deposits | 103.2867% | 535 |
| Net loans and leases to core deposits | 108.0993% | 1,134 |
| Total domestic deposits to total assets | 79.2083% | 4,496 |
| Equity capital to assets | 9.0864% | 4,834 |
| Core capital (leverage) ratio | 8.7944% | 4,975 |
| Tier 1 risk-based capital ratio | 10.5640% | 5,428 |
| Total risk-based capital ratio | 11.6055% | 5,432 |
| Memoranda: | ||
| Average total assets | $74,699,750 | 4,746 |
| Average earning assets | $64,727,750 | 4,819 |
| Average equity | $6,860,500 | 5,020 |
| Average total loans | $60,760,750 | 4,223 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 819 |
| Cost of funding earning assets | 0.4569% | 2,535 |
| Net interest margin | 4.3688% | 743 |
| Noninterest income to average assets | 0.2248% | 4,896 |
| Noninterest expense to average assets | 2.9194% | 2,365 |
| Loan and lease loss provision to assets | 0.0812% | 2,363 |
| Net operating income to assets | 1.0047% | 2,406 |
| Return on assets (ROA) | 1.0047% | 2,446 |
| Pretax return on assets | 1.0047% | 3,552 |
| Return on Equity (ROE) | 10.8995% | 1,681 |
| Retained earnings to average equity (ytd only) | -4.7006% | 5,523 |
| Net charge-offs to loans | -0.0067% | 4,409 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1433% | 2,309 |
| Assets per employee ($millions) | 5.0759% | 2,305 |
| Cash dividends to net income (ytd only)* | 143.1267% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 3,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 82.7237% | 581 |
| Net loans and leases to deposits | 104.2936% | 479 |
| Net loans and leases to core deposits | 109.6937% | 1,018 |
| Total domestic deposits to total assets | 79.3181% | 4,555 |
| Equity capital to assets | 8.8614% | 5,029 |
| Core capital (leverage) ratio | 8.9008% | 4,838 |
| Tier 1 risk-based capital ratio | 10.2465% | 5,561 |
| Total risk-based capital ratio | 11.2772% | 5,575 |
| Memoranda: | ||
| Average total assets | $73,850,670 | 4,789 |
| Average earning assets | $63,907,670 | 4,871 |
| Average equity | $6,807,670 | 5,053 |
| Average total loans | $59,723,330 | 4,272 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7434% | 859 |
| Cost of funding earning assets | 0.4377% | 2,641 |
| Net interest margin | 4.3058% | 776 |
| Noninterest income to average assets | 0.2421% | 4,800 |
| Noninterest expense to average assets | 2.9433% | 2,320 |
| Loan and lease loss provision to assets | 0.0825% | 2,170 |
| Net operating income to assets | 0.8968% | 2,779 |
| Return on assets (ROA) | 0.8968% | 2,827 |
| Pretax return on assets | 0.8968% | 3,787 |
| Return on Equity (ROE) | 9.5350% | 2,167 |
| Retained earnings to average equity (ytd only) | -8.5990% | 5,551 |
| Net charge-offs to loans | 0.0139% | 2,526 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 597 |
| Efficiency ratio | 74.3338% | 2,177 |
| Assets per employee ($millions) | 4.5239% | 3,130 |
| Cash dividends to net income (ytd only)* | 190.1840% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 3,597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 78.5126% | 1,055 |
| Net loans and leases to deposits | 87.8890% | 1,818 |
| Net loans and leases to core deposits | 91.7470% | 2,190 |
| Total domestic deposits to total assets | 89.3316% | 988 |
| Equity capital to assets | 9.3366% | 4,457 |
| Core capital (leverage) ratio | 9.2675% | 4,387 |
| Tier 1 risk-based capital ratio | 11.0439% | 5,283 |
| Total risk-based capital ratio | 12.1216% | 5,299 |
| Memoranda: | ||
| Average total assets | $72,706,500 | 4,856 |
| Average earning assets | $62,149,000 | 4,946 |
| Average equity | $6,838,000 | 5,094 |
| Average total loans | $57,761,500 | 4,358 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8386% | 822 |
| Cost of funding earning assets | 0.4648% | 2,399 |
| Net interest margin | 4.3738% | 814 |
| Noninterest income to average assets | 0.2785% | 4,749 |
| Noninterest expense to average assets | 2.7742% | 3,107 |
| Loan and lease loss provision to assets | 0.0690% | 2,977 |
| Net operating income to assets | 1.2041% | 1,498 |
| Return on assets (ROA) | 1.2041% | 1,579 |
| Pretax return on assets | 1.2041% | 2,654 |
| Return on Equity (ROE) | 13.6887% | 825 |
| Retained earnings to average equity (ytd only) | 9.6484% | 471 |
| Net charge-offs to loans | -0.0133% | 5,015 |
| Credit loss provision to net charge-offs | -650.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8571% | 3,266 |
| Assets per employee ($millions) | 4.8687% | 2,547 |
| Cash dividends to net income (ytd only)* | 29.5154% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 3,795 |
| Loan loss allowance to noncurrent loans | 2,520.0000% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 5,230 |
| Noncurrent loans to loans | 0.0431% | 5,075 |
| Net loans and leases to total assets | 78.6255% | 1,101 |
| Net loans and leases to deposits | 88.2151% | 1,895 |
| Net loans and leases to core deposits | 91.3242% | 2,361 |
| Total domestic deposits to total assets | 89.1293% | 1,047 |
| Equity capital to assets | 9.4727% | 4,298 |
| Core capital (leverage) ratio | 9.1132% | 4,599 |
| Tier 1 risk-based capital ratio | 11.2887% | 5,175 |
| Total risk-based capital ratio | 12.3398% | 5,186 |
| Memoranda: | ||
| Average total assets | $75,407,800 | 4,825 |
| Average earning assets | $64,977,600 | 4,919 |
| Average equity | $6,633,200 | 5,164 |
| Average total loans | $60,180,000 | 4,291 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8691% | 778 |
| Cost of funding earning assets | 0.4696% | 2,368 |
| Net interest margin | 4.3995% | 780 |
| Noninterest income to average assets | 0.2807% | 4,761 |
| Noninterest expense to average assets | 2.7349% | 3,239 |
| Loan and lease loss provision to assets | 0.0702% | 2,811 |
| Net operating income to assets | 1.2719% | 1,379 |
| Return on assets (ROA) | 1.2719% | 1,477 |
| Pretax return on assets | 1.2719% | 2,535 |
| Return on Equity (ROE) | 14.7309% | 700 |
| Retained earnings to average equity (ytd only) | 11.5613% | 351 |
| Net charge-offs to loans | -0.0110% | 4,797 |
| Credit loss provision to net charge-offs | -800.0000% | 5,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3941% | 3,522 |
| Assets per employee ($millions) | 5.2214% | 2,124 |
| Cash dividends to net income (ytd only)* | 21.5168% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 4,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 79.9517% | 901 |
| Net loans and leases to deposits | 102.0152% | 568 |
| Net loans and leases to core deposits | 105.8325% | 1,199 |
| Total domestic deposits to total assets | 78.3723% | 4,838 |
| Equity capital to assets | 8.7690% | 5,345 |
| Core capital (leverage) ratio | 8.6154% | 5,246 |
| Tier 1 risk-based capital ratio | 10.3890% | 5,664 |
| Total risk-based capital ratio | 11.3423% | 5,712 |
| Memoranda: | ||
| Average total assets | $76,002,000 | 4,846 |
| Average earning assets | $65,581,750 | 4,945 |
| Average equity | $6,562,000 | 5,224 |
| Average total loans | $60,712,250 | 4,303 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 926 |
| Cost of funding earning assets | 0.4558% | 2,511 |
| Net interest margin | 4.3211% | 885 |
| Noninterest income to average assets | 0.3057% | 4,599 |
| Noninterest expense to average assets | 2.7755% | 3,110 |
| Loan and lease loss provision to assets | 0.0665% | 2,811 |
| Net operating income to assets | 1.1937% | 1,627 |
| Return on assets (ROA) | 1.1937% | 1,719 |
| Pretax return on assets | 1.1937% | 2,801 |
| Return on Equity (ROE) | 13.9009% | 850 |
| Retained earnings to average equity (ytd only) | 9.0712% | 830 |
| Net charge-offs to loans | -0.0234% | 5,010 |
| Credit loss provision to net charge-offs | -357.1429% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0501% | 3,336 |
| Assets per employee ($millions) | 5.1179% | 2,176 |
| Cash dividends to net income (ytd only)* | 34.7439% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 4,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 79.5892% | 971 |
| Net loans and leases to deposits | 98.3422% | 852 |
| Net loans and leases to core deposits | 102.4927% | 1,436 |
| Total domestic deposits to total assets | 80.9309% | 4,299 |
| Equity capital to assets | 8.5882% | 5,545 |
| Core capital (leverage) ratio | 8.5746% | 5,289 |
| Tier 1 risk-based capital ratio | 10.2285% | 5,781 |
| Total risk-based capital ratio | 11.1889% | 5,818 |
| Memoranda: | ||
| Average total assets | $75,229,000 | 4,905 |
| Average earning assets | $64,937,000 | 5,009 |
| Average equity | $6,460,000 | 5,294 |
| Average total loans | $59,871,670 | 4,356 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8018% | 843 |
| Cost of funding earning assets | 0.4541% | 2,539 |
| Net interest margin | 4.3477% | 837 |
| Noninterest income to average assets | 0.1397% | 5,650 |
| Noninterest expense to average assets | 2.7612% | 3,207 |
| Loan and lease loss provision to assets | 0.0806% | 2,343 |
| Net operating income to assets | 1.0529% | 2,076 |
| Return on assets (ROA) | 1.0529% | 2,183 |
| Pretax return on assets | 1.0529% | 3,268 |
| Return on Equity (ROE) | 12.2625% | 1,228 |
| Retained earnings to average equity (ytd only) | 12.2625% | 468 |
| Net charge-offs to loans | -0.0068% | 4,383 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2069% | 3,079 |
| Assets per employee ($millions) | 4.9831% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 4,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 78.5407% | 1,021 |
| Net loans and leases to deposits | 94.2902% | 1,117 |
| Net loans and leases to core deposits | 98.2577% | 1,616 |
| Total domestic deposits to total assets | 83.2968% | 3,792 |
| Equity capital to assets | 8.6841% | 5,434 |
| Core capital (leverage) ratio | 8.4451% | 5,446 |
| Tier 1 risk-based capital ratio | 10.3385% | 5,811 |
| Total risk-based capital ratio | 11.2982% | 5,842 |
| Memoranda: | ||
| Average total assets | $74,459,500 | 4,965 |
| Average earning assets | $64,309,500 | 5,071 |
| Average equity | $6,393,500 | 5,337 |
| Average total loans | $58,957,000 | 4,411 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 997 |
| Cost of funding earning assets | 0.4500% | 2,628 |
| Net interest margin | 4.3065% | 953 |
| Noninterest income to average assets | 1.1849% | 854 |
| Noninterest expense to average assets | 3.8565% | 802 |
| Loan and lease loss provision to assets | 0.1094% | 2,169 |
| Net operating income to assets | 0.9676% | 2,536 |
| Return on assets (ROA) | 0.9676% | 2,613 |
| Pretax return on assets | 0.9676% | 3,588 |
| Return on Equity (ROE) | 11.5206% | 1,432 |
| Retained earnings to average equity (ytd only) | 6.6915% | 1,444 |
| Net charge-offs to loans | 0.0337% | 3,538 |
| Credit loss provision to net charge-offs | 415.7895% | 737 |
| Earnings coverage of net charge-offs (x) | 40.9474% | 1,156 |
| Efficiency ratio | 77.5814% | 2,034 |
| Assets per employee ($millions) | 4.9449% | 2,429 |
| Cash dividends to net income (ytd only)* | 41.9170% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 4,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 78.2657% | 1,083 |
| Net loans and leases to deposits | 95.4065% | 1,080 |
| Net loans and leases to core deposits | 99.9449% | 1,498 |
| Total domestic deposits to total assets | 82.0339% | 4,157 |
| Equity capital to assets | 8.4883% | 5,571 |
| Core capital (leverage) ratio | 8.1312% | 5,758 |
| Tier 1 risk-based capital ratio | 10.1246% | 5,921 |
| Total risk-based capital ratio | 11.0628% | 5,956 |
| Memoranda: | ||
| Average total assets | $72,241,200 | 5,038 |
| Average earning assets | $62,882,200 | 5,111 |
| Average equity | $6,067,400 | 5,422 |
| Average total loans | $56,451,600 | 4,485 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7167% | 1,067 |
| Cost of funding earning assets | 0.4523% | 2,659 |
| Net interest margin | 4.2644% | 1,032 |
| Noninterest income to average assets | 1.5515% | 521 |
| Noninterest expense to average assets | 4.1546% | 557 |
| Loan and lease loss provision to assets | 0.0966% | 2,239 |
| Net operating income to assets | 1.0145% | 2,397 |
| Return on assets (ROA) | 1.0145% | 2,498 |
| Pretax return on assets | 1.0145% | 3,557 |
| Return on Equity (ROE) | 12.1123% | 1,346 |
| Retained earnings to average equity (ytd only) | 5.7234% | 2,423 |
| Net charge-offs to loans | 0.0525% | 2,860 |
| Credit loss provision to net charge-offs | 236.3636% | 1,185 |
| Earnings coverage of net charge-offs (x) | 27.1841% | 1,595 |
| Efficiency ratio | 78.3345% | 1,906 |
| Assets per employee ($millions) | 5.0468% | 2,249 |
| Cash dividends to net income (ytd only)* | 52.7473% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 5,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.4114% | 1,039 |
| Net loans and leases to deposits | 103.2977% | 487 |
| Net loans and leases to core deposits | 108.5114% | 954 |
| Total domestic deposits to total assets | 75.9082% | 5,502 |
| Equity capital to assets | 8.1411% | 5,905 |
| Core capital (leverage) ratio | 7.9862% | 5,913 |
| Tier 1 risk-based capital ratio | 9.6558% | 6,112 |
| Total risk-based capital ratio | 10.5248% | 6,154 |
| Memoranda: | ||
| Average total assets | $71,758,250 | 5,109 |
| Average earning assets | $62,500,250 | 5,181 |
| Average equity | $6,010,250 | 5,498 |
| Average total loans | $55,909,000 | 4,543 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6118% | 1,253 |
| Cost of funding earning assets | 0.4491% | 2,740 |
| Net interest margin | 4.1627% | 1,194 |
| Noninterest income to average assets | 0.2328% | 5,297 |
| Noninterest expense to average assets | 2.6205% | 3,846 |
| Loan and lease loss provision to assets | 0.0795% | 2,523 |
| Net operating income to assets | 1.1641% | 1,730 |
| Return on assets (ROA) | 1.1641% | 1,800 |
| Pretax return on assets | 1.1641% | 2,921 |
| Return on Equity (ROE) | 13.7599% | 952 |
| Retained earnings to average equity (ytd only) | 4.0944% | 3,418 |
| Net charge-offs to loans | -0.0147% | 5,050 |
| Credit loss provision to net charge-offs | -700.0000% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0096% | 3,836 |
| Assets per employee ($millions) | 4.9047% | 2,398 |
| Cash dividends to net income (ytd only)* | 70.2439% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 5,100 |
| Loan loss allowance to noncurrent loans | 263.1068% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 4,758 |
| Noncurrent loans to loans | 0.3608% | 4,415 |
| Net loans and leases to total assets | 76.8615% | 1,246 |
| Net loans and leases to deposits | 98.3443% | 768 |
| Net loans and leases to core deposits | 103.2973% | 1,238 |
| Total domestic deposits to total assets | 78.1555% | 5,249 |
| Equity capital to assets | 8.1840% | 5,887 |
| Core capital (leverage) ratio | 8.2296% | 5,766 |
| Tier 1 risk-based capital ratio | 9.9060% | 6,118 |
| Total risk-based capital ratio | 10.8220% | 6,163 |
| Memoranda: | ||
| Average total assets | $70,443,670 | 5,202 |
| Average earning assets | $61,450,670 | 5,265 |
| Average equity | $5,959,330 | 5,559 |
| Average total loans | $54,579,000 | 4,626 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 1,419 |
| Cost of funding earning assets | 0.4416% | 2,864 |
| Net interest margin | 4.0731% | 1,350 |
| Noninterest income to average assets | 0.2265% | 5,335 |
| Noninterest expense to average assets | 2.6481% | 3,752 |
| Loan and lease loss provision to assets | 0.0813% | 2,344 |
| Net operating income to assets | 1.0859% | 1,919 |
| Return on assets (ROA) | 1.0859% | 2,033 |
| Pretax return on assets | 1.0859% | 3,138 |
| Return on Equity (ROE) | 12.6170% | 1,187 |
| Retained earnings to average equity (ytd only) | 2.4964% | 4,433 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6454% | 3,719 |
| Assets per employee ($millions) | 4.7068% | 2,753 |
| Cash dividends to net income (ytd only)* | 80.2139% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 5,077 |
| Loan loss allowance to noncurrent loans | 270.1031% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 4,848 |
| Noncurrent loans to loans | 0.3673% | 4,491 |
| Net loans and leases to total assets | 74.0758% | 1,486 |
| Net loans and leases to deposits | 82.1937% | 2,319 |
| Net loans and leases to core deposits | 85.9135% | 2,558 |
| Total domestic deposits to total assets | 90.1235% | 687 |
| Equity capital to assets | 8.4247% | 5,790 |
| Core capital (leverage) ratio | 8.4715% | 5,545 |
| Tier 1 risk-based capital ratio | 11.2293% | 5,695 |
| Total risk-based capital ratio | 12.2482% | 5,740 |
| Memoranda: | ||
| Average total assets | $68,880,500 | 5,287 |
| Average earning assets | $60,691,000 | 5,340 |
| Average equity | $5,928,500 | 5,615 |
| Average total loans | $53,324,000 | 4,691 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9076% | 913 |
| Cost of funding earning assets | 0.4782% | 2,899 |
| Net interest margin | 4.4294% | 846 |
| Noninterest income to average assets | 0.5388% | 3,247 |
| Noninterest expense to average assets | 3.1012% | 2,510 |
| Loan and lease loss provision to assets | 0.0434% | 3,698 |
| Net operating income to assets | 1.3191% | 1,266 |
| Return on assets (ROA) | 1.3191% | 1,307 |
| Pretax return on assets | 1.3238% | 2,165 |
| Return on Equity (ROE) | 15.4069% | 711 |
| Retained earnings to average equity (ytd only) | 10.2170% | 482 |
| Net charge-offs to loans | -0.0630% | 6,007 |
| Credit loss provision to net charge-offs | -87.5000% | 5,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6764% | 3,774 |
| Assets per employee ($millions) | 4.4773% | 3,073 |
| Cash dividends to net income (ytd only)* | 33.6854% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 5,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 79.3862% | 823 |
| Net loans and leases to deposits | 88.6029% | 1,662 |
| Net loans and leases to core deposits | 92.1671% | 2,072 |
| Total domestic deposits to total assets | 89.5978% | 925 |
| Equity capital to assets | 8.7985% | 5,491 |
| Core capital (leverage) ratio | 8.3971% | 5,662 |
| Tier 1 risk-based capital ratio | 10.5021% | 6,102 |
| Total risk-based capital ratio | 11.4568% | 6,151 |
| Memoranda: | ||
| Average total assets | $64,588,600 | 5,432 |
| Average earning assets | $57,298,800 | 5,476 |
| Average equity | $5,530,000 | 5,736 |
| Average total loans | $50,774,000 | 4,792 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 1,010 |
| Cost of funding earning assets | 0.4834% | 2,923 |
| Net interest margin | 4.3764% | 918 |
| Noninterest income to average assets | 0.6338% | 2,658 |
| Noninterest expense to average assets | 3.1922% | 2,201 |
| Loan and lease loss provision to assets | 0.0500% | 3,378 |
| Net operating income to assets | 1.2802% | 1,432 |
| Return on assets (ROA) | 1.2802% | 1,485 |
| Pretax return on assets | 1.2802% | 2,457 |
| Return on Equity (ROE) | 15.0619% | 817 |
| Retained earnings to average equity (ytd only) | 8.0215% | 1,350 |
| Net charge-offs to loans | -0.0773% | 6,059 |
| Credit loss provision to net charge-offs | -82.7586% | 5,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8479% | 3,538 |
| Assets per employee ($millions) | 5.2565% | 1,949 |
| Cash dividends to net income (ytd only)* | 46.7428% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8913% | 5,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 81.8497% | 527 |
| Net loans and leases to deposits | 102.4902% | 477 |
| Net loans and leases to core deposits | 106.5392% | 922 |
| Total domestic deposits to total assets | 79.8610% | 5,132 |
| Equity capital to assets | 8.2871% | 5,955 |
| Core capital (leverage) ratio | 8.0460% | 6,034 |
| Tier 1 risk-based capital ratio | 9.7502% | 6,397 |
| Total risk-based capital ratio | 10.6640% | 6,423 |
| Memoranda: | ||
| Average total assets | $63,946,000 | 5,514 |
| Average earning assets | $56,818,000 | 5,546 |
| Average equity | $5,435,250 | 5,816 |
| Average total loans | $50,011,250 | 4,864 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 1,356 |
| Cost of funding earning assets | 0.4856% | 2,969 |
| Net interest margin | 4.1802% | 1,293 |
| Noninterest income to average assets | 0.2657% | 5,303 |
| Noninterest expense to average assets | 2.7079% | 3,832 |
| Loan and lease loss provision to assets | 0.0544% | 3,213 |
| Net operating income to assets | 1.2227% | 1,520 |
| Return on assets (ROA) | 1.2227% | 1,579 |
| Pretax return on assets | 1.2227% | 2,562 |
| Return on Equity (ROE) | 14.2555% | 909 |
| Retained earnings to average equity (ytd only) | 3.5452% | 3,945 |
| Net charge-offs to loans | -0.1170% | 6,191 |
| Credit loss provision to net charge-offs | -60.7143% | 5,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0683% | 4,187 |
| Assets per employee ($millions) | 4.6597% | 2,684 |
| Cash dividends to net income (ytd only)* | 75.1309% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 5,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 79.7091% | 723 |
| Net loans and leases to deposits | 91.6637% | 1,195 |
| Net loans and leases to core deposits | 94.6211% | 1,726 |
| Total domestic deposits to total assets | 86.9581% | 2,471 |
| Equity capital to assets | 8.3267% | 5,933 |
| Core capital (leverage) ratio | 8.2120% | 5,918 |
| Tier 1 risk-based capital ratio | 9.8557% | 6,438 |
| Total risk-based capital ratio | 10.8066% | 6,467 |
| Memoranda: | ||
| Average total assets | $62,483,000 | 5,598 |
| Average earning assets | $55,596,000 | 5,636 |
| Average equity | $5,359,330 | 5,874 |
| Average total loans | $47,870,000 | 4,970 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 1,667 |
| Cost of funding earning assets | 0.4943% | 2,964 |
| Net interest margin | 4.0487% | 1,606 |
| Noninterest income to average assets | 0.2749% | 5,172 |
| Noninterest expense to average assets | 2.7166% | 3,884 |
| Loan and lease loss provision to assets | 0.0720% | 2,698 |
| Net operating income to assets | 1.1324% | 1,689 |
| Return on assets (ROA) | 1.1324% | 1,756 |
| Pretax return on assets | 1.1324% | 2,760 |
| Return on Equity (ROE) | 13.0002% | 1,161 |
| Retained earnings to average equity (ytd only) | 1.7283% | 4,922 |
| Net charge-offs to loans | -0.2019% | 6,384 |
| Credit loss provision to net charge-offs | -47.8261% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4474% | 4,102 |
| Assets per employee ($millions) | 4.4701% | 3,021 |
| Cash dividends to net income (ytd only)* | 86.7052% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 5,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 71.8269% | 1,604 |
| Net loans and leases to deposits | 80.0192% | 2,290 |
| Net loans and leases to core deposits | 82.1710% | 2,721 |
| Total domestic deposits to total assets | 89.7621% | 1,196 |
| Equity capital to assets | 8.5441% | 5,607 |
| Core capital (leverage) ratio | 8.2927% | 5,851 |
| Tier 1 risk-based capital ratio | 10.8966% | 6,196 |
| Total risk-based capital ratio | 11.9406% | 6,240 |
| Memoranda: | ||
| Average total assets | $61,106,500 | 5,678 |
| Average earning assets | $55,029,500 | 5,700 |
| Average equity | $5,323,000 | 5,920 |
| Average total loans | $45,558,000 | 5,094 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7582% | 1,419 |
| Cost of funding earning assets | 0.5666% | 2,962 |
| Net interest margin | 4.1915% | 1,376 |
| Noninterest income to average assets | 0.3404% | 4,883 |
| Noninterest expense to average assets | 2.8485% | 3,535 |
| Loan and lease loss provision to assets | 0.0619% | 3,900 |
| Net operating income to assets | 1.1346% | 1,816 |
| Return on assets (ROA) | 1.1346% | 1,879 |
| Pretax return on assets | 1.2068% | 2,546 |
| Return on Equity (ROE) | 13.1359% | 1,142 |
| Retained earnings to average equity (ytd only) | 12.1408% | 306 |
| Net charge-offs to loans | 0.0090% | 5,272 |
| Credit loss provision to net charge-offs | 900.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 184.5000% | 248 |
| Efficiency ratio | 68.3090% | 4,139 |
| Assets per employee ($millions) | 4.2594% | 3,340 |
| Cash dividends to net income (ytd only)* | 7.5758% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 5,641 |
| Loan loss allowance to noncurrent loans | 183.6735% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 5,023 |
| Noncurrent loans to loans | 0.5363% | 4,653 |
| Net loans and leases to total assets | 75.8519% | 1,095 |
| Net loans and leases to deposits | 84.9555% | 1,815 |
| Net loans and leases to core deposits | 87.8001% | 2,265 |
| Total domestic deposits to total assets | 89.2843% | 1,437 |
| Equity capital to assets | 8.8862% | 5,162 |
| Core capital (leverage) ratio | 8.5345% | 5,626 |
| Tier 1 risk-based capital ratio | 11.2200% | 6,067 |
| Total risk-based capital ratio | 12.2250% | 6,133 |
| Memoranda: | ||
| Average total assets | $58,171,200 | 5,805 |
| Average earning assets | $52,415,000 | 5,823 |
| Average equity | $5,024,400 | 6,060 |
| Average total loans | $44,379,200 | 5,172 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 1,373 |
| Cost of funding earning assets | 0.5862% | 2,937 |
| Net interest margin | 4.2030% | 1,323 |
| Noninterest income to average assets | 0.3367% | 4,996 |
| Noninterest expense to average assets | 2.8439% | 3,511 |
| Loan and lease loss provision to assets | 0.0461% | 4,089 |
| Net operating income to assets | 1.1371% | 1,863 |
| Return on assets (ROA) | 1.1371% | 1,935 |
| Pretax return on assets | 1.2340% | 2,566 |
| Return on Equity (ROE) | 13.2638% | 1,182 |
| Retained earnings to average equity (ytd only) | 12.0262% | 422 |
| Net charge-offs to loans | -0.0091% | 5,874 |
| Credit loss provision to net charge-offs | -666.6667% | 6,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0649% | 4,089 |
| Assets per employee ($millions) | 4.1987% | 3,422 |
| Cash dividends to net income (ytd only)* | 9.3303% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 5,839 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4712% | 5,017 |
| Noncurrent loans to loans | 0.5544% | 4,811 |
| Net loans and leases to total assets | 76.5796% | 922 |
| Net loans and leases to deposits | 85.7527% | 1,643 |
| Net loans and leases to core deposits | 88.6611% | 2,116 |
| Total domestic deposits to total assets | 89.3028% | 1,405 |
| Equity capital to assets | 8.7884% | 5,429 |
| Core capital (leverage) ratio | 8.4533% | 5,813 |
| Tier 1 risk-based capital ratio | 11.0289% | 6,268 |
| Total risk-based capital ratio | 12.0301% | 6,337 |
| Memoranda: | ||
| Average total assets | $57,806,000 | 5,876 |
| Average earning assets | $52,088,500 | 5,900 |
| Average equity | $4,955,750 | 6,152 |
| Average total loans | $44,053,500 | 5,238 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 1,569 |
| Cost of funding earning assets | 0.5991% | 2,952 |
| Net interest margin | 4.1013% | 1,542 |
| Noninterest income to average assets | 0.2784% | 5,467 |
| Noninterest expense to average assets | 2.7696% | 3,784 |
| Loan and lease loss provision to assets | 0.0278% | 4,371 |
| Net operating income to assets | 1.0264% | 2,213 |
| Return on assets (ROA) | 1.0264% | 2,333 |
| Pretax return on assets | 1.1726% | 2,798 |
| Return on Equity (ROE) | 12.0761% | 1,471 |
| Retained earnings to average equity (ytd only) | 12.0761% | 481 |
| Net charge-offs to loans | -0.0138% | 5,846 |
| Credit loss provision to net charge-offs | -266.6667% | 5,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7993% | 4,041 |
| Assets per employee ($millions) | 3.9714% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 6,024 |
| Loan loss allowance to noncurrent loans | 5,362.5000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 5,910 |
| Noncurrent loans to loans | 0.0175% | 6,367 |
| Net loans and leases to total assets | 81.2374% | 414 |
| Net loans and leases to deposits | 91.2374% | 1,030 |
| Net loans and leases to core deposits | 94.5194% | 1,477 |
| Total domestic deposits to total assets | 89.0396% | 1,611 |
| Equity capital to assets | 9.0108% | 5,203 |
| Core capital (leverage) ratio | 8.2860% | 5,899 |
| Tier 1 risk-based capital ratio | 10.8245% | 6,405 |
| Total risk-based capital ratio | 11.8125% | 6,460 |
| Memoranda: | ||
| Average total assets | $57,480,670 | 5,933 |
| Average earning assets | $51,740,000 | 5,944 |
| Average equity | $4,885,670 | 6,218 |
| Average total loans | $43,586,000 | 5,282 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5145% | 2,114 |
| Cost of funding earning assets | 0.6035% | 3,078 |
| Net interest margin | 3.9110% | 2,083 |
| Noninterest income to average assets | 0.2944% | 5,356 |
| Noninterest expense to average assets | 2.8414% | 3,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8832% | 2,735 |
| Return on assets (ROA) | 0.8832% | 2,879 |
| Pretax return on assets | 0.9586% | 3,535 |
| Return on Equity (ROE) | 10.6976% | 1,795 |
| Retained earnings to average equity (ytd only) | 10.6976% | 939 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8739% | 3,290 |
| Assets per employee ($millions) | 4.1746% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 6,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 5,727 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 72.1379% | 1,328 |
| Net loans and leases to deposits | 80.4400% | 2,025 |
| Net loans and leases to core deposits | 83.1627% | 2,439 |
| Total domestic deposits to total assets | 89.6792% | 1,245 |
| Equity capital to assets | 8.3634% | 6,137 |
| Core capital (leverage) ratio | 7.7504% | 6,326 |
| Tier 1 risk-based capital ratio | 10.7753% | 6,496 |
| Total risk-based capital ratio | 11.7700% | 6,551 |
| Memoranda: | ||
| Average total assets | $58,421,000 | 5,951 |
| Average earning assets | $52,364,500 | 5,971 |
| Average equity | $4,823,500 | 6,296 |
| Average total loans | $42,580,500 | 5,352 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0461% | 1,445 |
| Cost of funding earning assets | 0.6872% | 3,594 |
| Net interest margin | 4.3589% | 1,257 |
| Noninterest income to average assets | 0.3861% | 4,716 |
| Noninterest expense to average assets | 2.9531% | 3,455 |
| Loan and lease loss provision to assets | 1.0641% | 363 |
| Net operating income to assets | 0.2519% | 5,629 |
| Return on assets (ROA) | 0.2411% | 5,860 |
| Pretax return on assets | 0.2447% | 5,919 |
| Return on Equity (ROE) | 2.8214% | 5,623 |
| Retained earnings to average equity (ytd only) | 2.7153% | 4,325 |
| Net charge-offs to loans | 1.4933% | 602 |
| Credit loss provision to net charge-offs | 94.8304% | 3,283 |
| Earnings coverage of net charge-offs (x) | 1.1761% | 4,871 |
| Efficiency ratio | 68.2223% | 4,105 |
| Assets per employee ($millions) | 4.1712% | 3,611 |
| Cash dividends to net income (ytd only)* | 3.7594% | 4,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 6,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 5,849 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 72.2023% | 1,455 |
| Net loans and leases to deposits | 80.3170% | 2,238 |
| Net loans and leases to core deposits | 83.0261% | 2,665 |
| Total domestic deposits to total assets | 89.8967% | 1,009 |
| Equity capital to assets | 8.1494% | 6,321 |
| Core capital (leverage) ratio | 7.7520% | 6,371 |
| Tier 1 risk-based capital ratio | 10.3727% | 6,593 |
| Total risk-based capital ratio | 11.3592% | 6,643 |
| Memoranda: | ||
| Average total assets | $55,163,200 | 6,043 |
| Average earning assets | $49,186,600 | 6,081 |
| Average equity | $4,714,000 | 6,380 |
| Average total loans | $41,451,400 | 5,443 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0412% | 1,577 |
| Cost of funding earning assets | 0.7060% | 3,711 |
| Net interest margin | 4.3351% | 1,387 |
| Noninterest income to average assets | 0.3851% | 4,747 |
| Noninterest expense to average assets | 2.9779% | 3,313 |
| Loan and lease loss provision to assets | 0.5421% | 1,089 |
| Net operating income to assets | 0.6809% | 4,005 |
| Return on assets (ROA) | 0.6672% | 4,322 |
| Pretax return on assets | 0.7212% | 4,791 |
| Return on Equity (ROE) | 7.7117% | 3,417 |
| Retained earnings to average equity (ytd only) | 7.5698% | 1,810 |
| Net charge-offs to loans | 0.3660% | 2,639 |
| Credit loss provision to net charge-offs | 195.5752% | 1,423 |
| Earnings coverage of net charge-offs (x) | 4.6107% | 3,253 |
| Efficiency ratio | 69.0490% | 3,871 |
| Assets per employee ($millions) | 3.9956% | 3,880 |
| Cash dividends to net income (ytd only)* | 1.8392% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 5,110 |
| Loan loss allowance to noncurrent loans | 80.9869% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.3461% | 3,605 |
| Noncurrent loans to loans | 1.5275% | 3,495 |
| Net loans and leases to total assets | 79.6385% | 537 |
| Net loans and leases to deposits | 89.4056% | 1,213 |
| Net loans and leases to core deposits | 92.5828% | 1,723 |
| Total domestic deposits to total assets | 89.0756% | 1,385 |
| Equity capital to assets | 8.7864% | 6,026 |
| Core capital (leverage) ratio | 8.0839% | 6,245 |
| Tier 1 risk-based capital ratio | 9.7959% | 6,845 |
| Total risk-based capital ratio | 11.0034% | 6,844 |
| Memoranda: | ||
| Average total assets | $54,354,750 | 6,140 |
| Average earning assets | $48,532,750 | 6,178 |
| Average equity | $4,702,750 | 6,456 |
| Average total loans | $41,168,750 | 5,514 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9213% | 2,021 |
| Cost of funding earning assets | 0.7132% | 3,912 |
| Net interest margin | 4.2082% | 1,727 |
| Noninterest income to average assets | 0.3641% | 4,918 |
| Noninterest expense to average assets | 3.0171% | 3,196 |
| Loan and lease loss provision to assets | 0.7989% | 626 |
| Net operating income to assets | 0.2371% | 5,807 |
| Return on assets (ROA) | 0.2192% | 6,046 |
| Pretax return on assets | 0.2750% | 6,005 |
| Return on Equity (ROE) | 2.5475% | 5,861 |
| Retained earnings to average equity (ytd only) | 2.5475% | 4,911 |
| Net charge-offs to loans | 0.5670% | 1,892 |
| Credit loss provision to net charge-offs | 190.2655% | 1,487 |
| Earnings coverage of net charge-offs (x) | 2.6106% | 3,698 |
| Efficiency ratio | 72.3577% | 3,368 |
| Assets per employee ($millions) | 3.6686% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,210 |
| Loan loss allowance to noncurrent loans | 264.1148% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 5,353 |
| Noncurrent loans to loans | 0.4654% | 5,604 |
| Net loans and leases to total assets | 80.6011% | 441 |
| Net loans and leases to deposits | 96.0397% | 632 |
| Net loans and leases to core deposits | 97.9420% | 1,281 |
| Total domestic deposits to total assets | 83.9248% | 4,344 |
| Equity capital to assets | 8.4846% | 6,223 |
| Core capital (leverage) ratio | 8.1623% | 6,084 |
| Tier 1 risk-based capital ratio | 10.0209% | 6,820 |
| Total risk-based capital ratio | 11.2703% | 6,800 |
| Memoranda: | ||
| Average total assets | $53,826,670 | 6,192 |
| Average earning assets | $47,954,330 | 6,236 |
| Average equity | $4,632,000 | 6,505 |
| Average total loans | $39,856,000 | 5,609 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 2,943 |
| Cost of funding earning assets | 0.7259% | 4,068 |
| Net interest margin | 4.0011% | 2,504 |
| Noninterest income to average assets | 0.4810% | 4,052 |
| Noninterest expense to average assets | 3.0887% | 2,955 |
| Loan and lease loss provision to assets | 0.6538% | 828 |
| Net operating income to assets | 0.2385% | 5,859 |
| Return on assets (ROA) | 0.2029% | 6,123 |
| Pretax return on assets | 0.2555% | 6,069 |
| Return on Equity (ROE) | 2.3410% | 5,967 |
| Retained earnings to average equity (ytd only) | 2.3410% | 5,091 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4647% | 2,859 |
| Assets per employee ($millions) | 3.2474% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 4,508 |
| Loan loss allowance to noncurrent loans | 198.1550% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 4,706 |
| Noncurrent loans to loans | 0.7175% | 5,227 |
| Net loans and leases to total assets | 71.6560% | 1,461 |
| Net loans and leases to deposits | 80.6931% | 2,099 |
| Net loans and leases to core deposits | 82.2894% | 2,788 |
| Total domestic deposits to total assets | 88.8006% | 1,819 |
| Equity capital to assets | 8.9264% | 5,601 |
| Core capital (leverage) ratio | 8.0869% | 6,176 |
| Tier 1 risk-based capital ratio | 11.3856% | 6,343 |
| Total risk-based capital ratio | 12.6368% | 6,321 |
| Memoranda: | ||
| Average total assets | $53,225,500 | 6,257 |
| Average earning assets | $47,387,500 | 6,290 |
| Average equity | $4,613,500 | 6,544 |
| Average total loans | $37,331,000 | 5,764 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 2,842 |
| Cost of funding earning assets | 0.7951% | 4,909 |
| Net interest margin | 4.2141% | 2,013 |
| Noninterest income to average assets | 0.2100% | 6,016 |
| Noninterest expense to average assets | 2.9942% | 3,615 |
| Loan and lease loss provision to assets | 0.9391% | 1,025 |
| Net operating income to assets | 0.0175% | 6,005 |
| Return on assets (ROA) | 0.0175% | 6,127 |
| Pretax return on assets | 0.0175% | 6,095 |
| Return on Equity (ROE) | 0.1971% | 6,119 |
| Retained earnings to average equity (ytd only) | 0.1971% | 5,747 |
| Net charge-offs to loans | 1.6723% | 925 |
| Credit loss provision to net charge-offs | 79.9669% | 4,458 |
| Earnings coverage of net charge-offs (x) | 0.8146% | 5,188 |
| Efficiency ratio | 74.7539% | 3,096 |
| Assets per employee ($millions) | 3.4058% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 5,296 |
| Loan loss allowance to noncurrent loans | 142.4051% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8643% | 4,898 |
| Noncurrent loans to loans | 0.8565% | 4,979 |
| Net loans and leases to total assets | 66.8783% | 2,612 |
| Net loans and leases to deposits | 74.8014% | 3,374 |
| Net loans and leases to core deposits | 78.2429% | 3,654 |
| Total domestic deposits to total assets | 89.4078% | 1,313 |
| Equity capital to assets | 8.4213% | 6,234 |
| Core capital (leverage) ratio | 8.0270% | 6,234 |
| Tier 1 risk-based capital ratio | 11.6560% | 6,054 |
| Total risk-based capital ratio | 12.8916% | 6,053 |
| Memoranda: | ||
| Average total assets | $51,432,000 | 6,321 |
| Average earning assets | $45,655,800 | 6,343 |
| Average equity | $4,566,600 | 6,569 |
| Average total loans | $36,118,400 | 5,863 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1069% | 2,573 |
| Cost of funding earning assets | 0.8176% | 5,029 |
| Net interest margin | 4.2893% | 1,760 |
| Noninterest income to average assets | 0.1026% | 6,742 |
| Noninterest expense to average assets | 3.0631% | 3,305 |
| Loan and lease loss provision to assets | 0.9447% | 936 |
| Net operating income to assets | -0.1132% | 6,298 |
| Return on assets (ROA) | -0.1132% | 6,381 |
| Pretax return on assets | -0.0947% | 6,331 |
| Return on Equity (ROE) | -1.2570% | 6,406 |
| Retained earnings to average equity (ytd only) | -1.2570% | 6,192 |
| Net charge-offs to loans | 1.6850% | 822 |
| Credit loss provision to net charge-offs | 79.0749% | 4,164 |
| Earnings coverage of net charge-offs (x) | 0.7115% | 5,091 |
| Efficiency ratio | 77.2024% | 2,649 |
| Assets per employee ($millions) | 3.1948% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 5,117 |
| Loan loss allowance to noncurrent loans | 101.9272% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 1.2168% | 4,360 |
| Noncurrent loans to loans | 1.2522% | 4,444 |
| Net loans and leases to total assets | 72.0283% | 1,697 |
| Net loans and leases to deposits | 81.1738% | 2,502 |
| Net loans and leases to core deposits | 85.2505% | 2,878 |
| Total domestic deposits to total assets | 88.7335% | 1,592 |
| Equity capital to assets | 8.8876% | 5,874 |
| Core capital (leverage) ratio | 8.1998% | 6,133 |
| Tier 1 risk-based capital ratio | 10.5487% | 6,757 |
| Total risk-based capital ratio | 11.7480% | 6,768 |
| Memoranda: | ||
| Average total assets | $50,666,750 | 6,402 |
| Average earning assets | $45,010,250 | 6,420 |
| Average equity | $4,561,000 | 6,622 |
| Average total loans | $35,924,500 | 5,924 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 3,566 |
| Cost of funding earning assets | 0.8155% | 5,270 |
| Net interest margin | 4.0951% | 2,426 |
| Noninterest income to average assets | 0.2890% | 5,566 |
| Noninterest expense to average assets | 3.0287% | 3,527 |
| Loan and lease loss provision to assets | 0.6335% | 1,515 |
| Net operating income to assets | 0.2455% | 5,577 |
| Return on assets (ROA) | 0.2455% | 5,700 |
| Pretax return on assets | 0.2653% | 5,765 |
| Return on Equity (ROE) | 2.7151% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.7151% | 4,558 |
| Net charge-offs to loans | 0.8853% | 1,755 |
| Credit loss provision to net charge-offs | 101.9108% | 3,036 |
| Earnings coverage of net charge-offs (x) | 1.4459% | 4,205 |
| Efficiency ratio | 76.0081% | 3,010 |
| Assets per employee ($millions) | 3.0869% | 5,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 3,851 |
| Loan loss allowance to noncurrent loans | 75.3281% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 2.0652% | 3,157 |
| Noncurrent loans to loans | 2.0749% | 3,382 |
| Net loans and leases to total assets | 73.1935% | 1,557 |
| Net loans and leases to deposits | 83.0180% | 2,270 |
| Net loans and leases to core deposits | 86.3266% | 2,860 |
| Total domestic deposits to total assets | 88.1659% | 2,034 |
| Equity capital to assets | 9.3539% | 5,067 |
| Core capital (leverage) ratio | 8.5681% | 5,448 |
| Tier 1 risk-based capital ratio | 12.1367% | 5,676 |
| Total risk-based capital ratio | 13.3905% | 5,649 |
| Memoranda: | ||
| Average total assets | $50,517,000 | 6,468 |
| Average earning assets | $44,882,670 | 6,477 |
| Average equity | $4,567,000 | 6,664 |
| Average total loans | $35,468,000 | 5,993 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7677% | 4,216 |
| Cost of funding earning assets | 0.8388% | 5,341 |
| Net interest margin | 3.9290% | 3,004 |
| Noninterest income to average assets | 0.6030% | 3,139 |
| Noninterest expense to average assets | 2.9836% | 3,711 |
| Loan and lease loss provision to assets | 0.9162% | 869 |
| Net operating income to assets | 0.1723% | 5,880 |
| Return on assets (ROA) | 0.1723% | 5,926 |
| Pretax return on assets | 0.1879% | 5,967 |
| Return on Equity (ROE) | 1.9381% | 5,809 |
| Retained earnings to average equity (ytd only) | 1.9381% | 4,961 |
| Net charge-offs to loans | 1.6074% | 837 |
| Credit loss provision to net charge-offs | 83.5714% | 3,076 |
| Earnings coverage of net charge-offs (x) | 1.0071% | 3,908 |
| Efficiency ratio | 72.0307% | 3,859 |
| Assets per employee ($millions) | 3.2421% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6300% | 3,605 |
| Loan loss allowance to noncurrent loans | 69.3671% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 2.1514% | 3,128 |
| Noncurrent loans to loans | 2.3499% | 3,137 |
| Net loans and leases to total assets | 63.7538% | 3,485 |
| Net loans and leases to deposits | 71.7453% | 4,106 |
| Net loans and leases to core deposits | 73.6909% | 4,563 |
| Total domestic deposits to total assets | 88.8613% | 1,863 |
| Equity capital to assets | 8.7753% | 5,537 |
| Core capital (leverage) ratio | 8.3690% | 5,686 |
| Tier 1 risk-based capital ratio | 12.0600% | 5,636 |
| Total risk-based capital ratio | 13.3280% | 5,612 |
| Memoranda: | ||
| Average total assets | $51,080,000 | 6,496 |
| Average earning assets | $45,304,500 | 6,513 |
| Average equity | $4,540,500 | 6,699 |
| Average total loans | $34,839,500 | 6,092 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5727% | 1,998 |
| Cost of funding earning assets | 1.2024% | 4,554 |
| Net interest margin | 4.3702% | 1,588 |
| Noninterest income to average assets | 0.1107% | 6,845 |
| Noninterest expense to average assets | 3.2576% | 2,883 |
| Loan and lease loss provision to assets | 0.8361% | 1,966 |
| Net operating income to assets | -0.1107% | 6,007 |
| Return on assets (ROA) | -0.1107% | 6,062 |
| Pretax return on assets | -0.1107% | 6,010 |
| Return on Equity (ROE) | -1.2400% | 6,086 |
| Retained earnings to average equity (ytd only) | -1.2400% | 5,844 |
| Net charge-offs to loans | 0.7646% | 2,729 |
| Credit loss provision to net charge-offs | 148.4211% | 2,454 |
| Earnings coverage of net charge-offs (x) | 1.2877% | 4,815 |
| Efficiency ratio | 80.7444% | 2,311 |
| Assets per employee ($millions) | 3.1429% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 3,648 |
| Loan loss allowance to noncurrent loans | 51.1649% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 2.4977% | 2,772 |
| Noncurrent loans to loans | 3.0948% | 2,463 |
| Net loans and leases to total assets | 70.5729% | 2,398 |
| Net loans and leases to deposits | 79.6968% | 3,229 |
| Net loans and leases to core deposits | 81.9324% | 3,918 |
| Total domestic deposits to total assets | 88.5517% | 1,920 |
| Equity capital to assets | 9.0063% | 5,136 |
| Core capital (leverage) ratio | 8.3159% | 5,667 |
| Tier 1 risk-based capital ratio | 11.6705% | 5,749 |
| Total risk-based capital ratio | 12.9223% | 5,754 |
| Memoranda: | ||
| Average total assets | $50,589,800 | 6,507 |
| Average earning assets | $44,826,000 | 6,544 |
| Average equity | $4,516,200 | 6,813 |
| Average total loans | $37,273,400 | 6,055 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5836% | 2,125 |
| Cost of funding earning assets | 1.2609% | 4,490 |
| Net interest margin | 4.3227% | 1,764 |
| Noninterest income to average assets | 0.1974% | 6,479 |
| Noninterest expense to average assets | 3.3131% | 2,531 |
| Loan and lease loss provision to assets | 1.0710% | 1,368 |
| Net operating income to assets | -0.3526% | 6,473 |
| Return on assets (ROA) | -0.3526% | 6,518 |
| Pretax return on assets | -0.3526% | 6,448 |
| Return on Equity (ROE) | -3.9588% | 6,570 |
| Retained earnings to average equity (ytd only) | -3.9588% | 6,462 |
| Net charge-offs to loans | 0.8090% | 2,428 |
| Credit loss provision to net charge-offs | 178.5088% | 2,063 |
| Earnings coverage of net charge-offs (x) | 1.1974% | 4,868 |
| Efficiency ratio | 81.1358% | 2,182 |
| Assets per employee ($millions) | 2.8948% | 6,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 3,480 |
| Loan loss allowance to noncurrent loans | 42.3237% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 3.5073% | 2,033 |
| Noncurrent loans to loans | 3.8066% | 2,021 |
| Net loans and leases to total assets | 75.9469% | 1,416 |
| Net loans and leases to deposits | 85.8603% | 2,375 |
| Net loans and leases to core deposits | 88.3027% | 3,332 |
| Total domestic deposits to total assets | 88.4540% | 1,694 |
| Equity capital to assets | 9.0445% | 5,517 |
| Core capital (leverage) ratio | 8.3508% | 5,783 |
| Tier 1 risk-based capital ratio | 9.9795% | 7,079 |
| Total risk-based capital ratio | 11.2040% | 7,076 |
| Memoranda: | ||
| Average total assets | $50,665,500 | 6,587 |
| Average earning assets | $44,940,000 | 6,619 |
| Average equity | $4,513,000 | 6,902 |
| Average total loans | $37,576,750 | 6,115 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3751% | 3,079 |
| Cost of funding earning assets | 1.3360% | 4,289 |
| Net interest margin | 4.0390% | 2,840 |
| Noninterest income to average assets | 0.4809% | 4,281 |
| Noninterest expense to average assets | 3.3275% | 2,477 |
| Loan and lease loss provision to assets | 1.1848% | 1,186 |
| Net operating income to assets | -0.4692% | 6,619 |
| Return on assets (ROA) | -0.4692% | 6,660 |
| Pretax return on assets | -0.4497% | 6,552 |
| Return on Equity (ROE) | -5.2937% | 6,720 |
| Retained earnings to average equity (ytd only) | -5.2937% | 6,587 |
| Net charge-offs to loans | 1.2927% | 1,474 |
| Credit loss provision to net charge-offs | 125.2066% | 3,224 |
| Earnings coverage of net charge-offs (x) | 0.7769% | 4,984 |
| Efficiency ratio | 80.8470% | 2,324 |
| Assets per employee ($millions) | 2.9197% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 4,889 |
| Loan loss allowance to noncurrent loans | 34.2580% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 3.6930% | 1,896 |
| Noncurrent loans to loans | 3.8093% | 2,025 |
| Net loans and leases to total assets | 75.2715% | 1,632 |
| Net loans and leases to deposits | 85.0118% | 2,704 |
| Net loans and leases to core deposits | 87.4023% | 3,636 |
| Total domestic deposits to total assets | 88.5424% | 1,704 |
| Equity capital to assets | 8.9916% | 5,463 |
| Core capital (leverage) ratio | 8.3051% | 5,762 |
| Tier 1 risk-based capital ratio | 11.2717% | 5,972 |
| Total risk-based capital ratio | 12.5242% | 5,955 |
| Memoranda: | ||
| Average total assets | $51,150,000 | 6,610 |
| Average earning assets | $45,357,670 | 6,654 |
| Average equity | $4,533,670 | 6,926 |
| Average total loans | $37,440,000 | 6,168 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2791% | 3,651 |
| Cost of funding earning assets | 1.4809% | 3,689 |
| Net interest margin | 3.7982% | 3,800 |
| Noninterest income to average assets | 0.4315% | 4,653 |
| Noninterest expense to average assets | 3.4677% | 2,063 |
| Loan and lease loss provision to assets | 0.6319% | 2,008 |
| Net operating income to assets | -0.3237% | 6,690 |
| Return on assets (ROA) | -0.3237% | 6,740 |
| Pretax return on assets | -0.3082% | 6,646 |
| Return on Equity (ROE) | -3.6770% | 6,795 |
| Retained earnings to average equity (ytd only) | -3.6770% | 6,456 |
| Net charge-offs to loans | 0.4512% | 2,694 |
| Credit loss provision to net charge-offs | 195.2381% | 1,899 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,170 |
| Efficiency ratio | 90.4472% | 1,396 |
| Assets per employee ($millions) | 2.9850% | 6,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 4,860 |
| Loan loss allowance to noncurrent loans | 49.5807% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 2.6505% | 2,748 |
| Noncurrent loans to loans | 2.6481% | 3,026 |
| Net loans and leases to total assets | 70.0621% | 2,922 |
| Net loans and leases to deposits | 79.0400% | 3,831 |
| Net loans and leases to core deposits | 84.5674% | 4,125 |
| Total domestic deposits to total assets | 88.6412% | 1,710 |
| Equity capital to assets | 8.9763% | 5,315 |
| Core capital (leverage) ratio | 8.0628% | 6,142 |
| Tier 1 risk-based capital ratio | 11.6366% | 5,544 |
| Total risk-based capital ratio | 12.8882% | 5,502 |
| Memoranda: | ||
| Average total assets | $51,907,500 | 6,668 |
| Average earning assets | $45,916,500 | 6,713 |
| Average equity | $4,569,000 | 6,984 |
| Average total loans | $37,232,500 | 6,250 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9714% | 1,982 |
| Cost of funding earning assets | 1.8043% | 3,970 |
| Net interest margin | 4.1671% | 2,194 |
| Noninterest income to average assets | 0.6683% | 3,170 |
| Noninterest expense to average assets | 3.2764% | 3,097 |
| Loan and lease loss provision to assets | 1.1125% | 2,058 |
| Net operating income to assets | -0.0845% | 5,652 |
| Return on assets (ROA) | -0.0845% | 5,664 |
| Pretax return on assets | -0.0393% | 5,507 |
| Return on Equity (ROE) | -0.9672% | 5,690 |
| Retained earnings to average equity (ytd only) | -0.9672% | 5,248 |
| Net charge-offs to loans | 1.6844% | 1,497 |
| Credit loss provision to net charge-offs | 86.1492% | 6,128 |
| Earnings coverage of net charge-offs (x) | 0.8311% | 5,278 |
| Efficiency ratio | 74.3787% | 3,815 |
| Assets per employee ($millions) | 3.1218% | 5,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 5,769 |
| Loan loss allowance to noncurrent loans | 43.1705% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 2.6267% | 2,680 |
| Noncurrent loans to loans | 2.6093% | 2,947 |
| Net loans and leases to total assets | 71.6148% | 2,855 |
| Net loans and leases to deposits | 80.3679% | 3,923 |
| Net loans and leases to core deposits | 101.3358% | 3,868 |
| Total domestic deposits to total assets | 89.1087% | 1,429 |
| Equity capital to assets | 8.6358% | 5,685 |
| Core capital (leverage) ratio | 8.1517% | 5,904 |
| Tier 1 risk-based capital ratio | 11.2789% | 5,634 |
| Total risk-based capital ratio | 12.4283% | 5,700 |
| Memoranda: | ||
| Average total assets | $50,878,600 | 6,671 |
| Average earning assets | $44,947,400 | 6,723 |
| Average equity | $4,446,000 | 7,130 |
| Average total loans | $39,004,200 | 6,159 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0485% | 1,846 |
| Cost of funding earning assets | 1.8259% | 4,251 |
| Net interest margin | 4.2226% | 1,967 |
| Noninterest income to average assets | 0.5245% | 4,284 |
| Noninterest expense to average assets | 3.3193% | 2,837 |
| Loan and lease loss provision to assets | 1.0173% | 1,891 |
| Net operating income to assets | -0.1245% | 5,927 |
| Return on assets (ROA) | -0.1245% | 5,956 |
| Pretax return on assets | -0.0689% | 5,806 |
| Return on Equity (ROE) | -1.4205% | 6,005 |
| Retained earnings to average equity (ytd only) | -1.4205% | 5,590 |
| Net charge-offs to loans | 1.5463% | 1,324 |
| Credit loss provision to net charge-offs | 84.5815% | 5,635 |
| Earnings coverage of net charge-offs (x) | 0.7885% | 5,266 |
| Efficiency ratio | 76.7846% | 3,363 |
| Assets per employee ($millions) | 3.1183% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 5,605 |
| Loan loss allowance to noncurrent loans | 46.0446% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 2.7600% | 2,519 |
| Noncurrent loans to loans | 2.4306% | 3,098 |
| Net loans and leases to total assets | 80.3977% | 1,108 |
| Net loans and leases to deposits | 90.7162% | 2,444 |
| Net loans and leases to core deposits | 112.3145% | 2,990 |
| Total domestic deposits to total assets | 88.6254% | 1,377 |
| Equity capital to assets | 8.9032% | 5,628 |
| Core capital (leverage) ratio | 8.2649% | 5,893 |
| Tier 1 risk-based capital ratio | 10.9762% | 5,976 |
| Total risk-based capital ratio | 12.1931% | 5,965 |
| Memoranda: | ||
| Average total assets | $50,330,750 | 6,742 |
| Average earning assets | $44,616,250 | 6,792 |
| Average equity | $4,411,750 | 7,211 |
| Average total loans | $39,145,500 | 6,192 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8305% | 2,899 |
| Cost of funding earning assets | 1.8695% | 4,426 |
| Net interest margin | 3.9610% | 2,859 |
| Noninterest income to average assets | 0.4992% | 4,454 |
| Noninterest expense to average assets | 3.3837% | 2,677 |
| Loan and lease loss provision to assets | 0.1070% | 6,088 |
| Net operating income to assets | 0.4874% | 4,132 |
| Return on assets (ROA) | 0.4874% | 4,254 |
| Pretax return on assets | 0.5428% | 4,485 |
| Return on Equity (ROE) | 5.5888% | 3,823 |
| Retained earnings to average equity (ytd only) | 5.5888% | 2,206 |
| Net charge-offs to loans | 0.1655% | 4,563 |
| Credit loss provision to net charge-offs | 84.3750% | 5,077 |
| Earnings coverage of net charge-offs (x) | 5.1250% | 2,908 |
| Efficiency ratio | 82.8094% | 2,625 |
| Assets per employee ($millions) | 3.0841% | 5,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 4,302 |
| Loan loss allowance to noncurrent loans | 38.8473% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 4.0631% | 1,444 |
| Noncurrent loans to loans | 3.3327% | 2,112 |
| Net loans and leases to total assets | 80.1868% | 1,280 |
| Net loans and leases to deposits | 90.9214% | 2,672 |
| Net loans and leases to core deposits | 112.1348% | 3,121 |
| Total domestic deposits to total assets | 88.1936% | 1,675 |
| Equity capital to assets | 9.3462% | 4,806 |
| Core capital (leverage) ratio | 8.6917% | 5,102 |
| Tier 1 risk-based capital ratio | 11.3091% | 5,582 |
| Total risk-based capital ratio | 12.5518% | 5,494 |
| Memoranda: | ||
| Average total assets | $50,477,000 | 6,801 |
| Average earning assets | $45,039,330 | 6,838 |
| Average equity | $4,401,670 | 7,273 |
| Average total loans | $38,672,000 | 6,263 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6234% | 4,219 |
| Cost of funding earning assets | 1.9358% | 4,460 |
| Net interest margin | 3.6876% | 3,947 |
| Noninterest income to average assets | 0.4545% | 4,724 |
| Noninterest expense to average assets | 3.0876% | 3,422 |
| Loan and lease loss provision to assets | 0.0784% | 5,972 |
| Net operating income to assets | 0.5329% | 4,282 |
| Return on assets (ROA) | 0.5329% | 4,473 |
| Pretax return on assets | 0.5877% | 4,790 |
| Return on Equity (ROE) | 6.3307% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.3307% | 2,481 |
| Net charge-offs to loans | 0.3372% | 2,740 |
| Credit loss provision to net charge-offs | 31.2500% | 4,937 |
| Earnings coverage of net charge-offs (x) | 2.6563% | 3,427 |
| Efficiency ratio | 81.2109% | 2,652 |
| Assets per employee ($millions) | 3.1171% | 5,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 4,037 |
| Loan loss allowance to noncurrent loans | 30.2957% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 3.3224% | 1,646 |
| Noncurrent loans to loans | 4.3116% | 1,359 |
| Net loans and leases to total assets | 76.0512% | 2,255 |
| Net loans and leases to deposits | 85.8861% | 3,655 |
| Net loans and leases to core deposits | 104.6866% | 4,060 |
| Total domestic deposits to total assets | 88.5489% | 1,459 |
| Equity capital to assets | 9.1011% | 5,227 |
| Core capital (leverage) ratio | 8.4736% | 5,593 |
| Tier 1 risk-based capital ratio | 11.9927% | 4,972 |
| Total risk-based capital ratio | 13.2437% | 4,854 |
| Memoranda: | ||
| Average total assets | $51,042,500 | 6,817 |
| Average earning assets | $45,666,500 | 6,850 |
| Average equity | $4,296,500 | 7,352 |
| Average total loans | $37,964,000 | 6,335 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5920% | 2,526 |
| Cost of funding earning assets | 2.2392% | 5,425 |
| Net interest margin | 4.3528% | 1,813 |
| Noninterest income to average assets | 0.4832% | 4,774 |
| Noninterest expense to average assets | 2.9346% | 4,321 |
| Loan and lease loss provision to assets | 0.9208% | 1,617 |
| Net operating income to assets | 0.5129% | 4,671 |
| Return on assets (ROA) | 0.5129% | 4,522 |
| Pretax return on assets | 0.5426% | 4,870 |
| Return on Equity (ROE) | 6.2524% | 3,842 |
| Retained earnings to average equity (ytd only) | -4.6109% | 6,439 |
| Net charge-offs to loans | 1.0422% | 1,180 |
| Credit loss provision to net charge-offs | 119.2308% | 4,514 |
| Earnings coverage of net charge-offs (x) | 1.8949% | 5,119 |
| Efficiency ratio | 65.7812% | 5,173 |
| Assets per employee ($millions) | 3.4808% | 4,726 |
| Cash dividends to net income (ytd only)* | 173.7452% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 3,214 |
| Loan loss allowance to noncurrent loans | 28.8229% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 3.4820% | 1,281 |
| Noncurrent loans to loans | 4.8484% | 932 |
| Net loans and leases to total assets | 70.8132% | 3,831 |
| Net loans and leases to deposits | 83.0705% | 4,568 |
| Net loans and leases to core deposits | 102.6059% | 4,537 |
| Total domestic deposits to total assets | 85.2448% | 2,729 |
| Equity capital to assets | 7.7645% | 7,138 |
| Core capital (leverage) ratio | 7.3472% | 7,365 |
| Tier 1 risk-based capital ratio | 10.3161% | 6,401 |
| Total risk-based capital ratio | 11.5676% | 6,275 |
| Memoranda: | ||
| Average total assets | $50,501,200 | 6,752 |
| Average earning assets | $45,419,000 | 6,794 |
| Average equity | $4,142,400 | 7,453 |
| Average total loans | $37,420,200 | 6,294 |