Home > Stearns Bank Upsala > Performance and Condition Ratios
Stearns Bank Upsala, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1986% | 1,663 |
| Cost of funding earning assets | 1.4064% | 2,213 |
| Net interest margin | 3.7922% | 1,574 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 1.1820% | 4,469 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.4349% | 1,150 |
| Return on assets (ROA) | 1.4349% | 1,119 |
| Pretax return on assets | 1.9099% | 761 |
| Return on Equity (ROE) | 5.2900% | 3,672 |
| Retained earnings to average equity (ytd only) | 5.2930% | 2,492 |
| Net charge-offs to loans | -0.0650% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 35.6138% | 4,443 |
| Assets per employee ($millions) | 15.8608% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 471 |
| Loan loss allowance to noncurrent loans | 347.0817% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 1,370 |
| Noncurrent loans to loans | 0.5382% | 1,447 |
| Net loans and leases to total assets | 73.8600% | 1,383 |
| Net loans and leases to deposits | 105.3178% | 312 |
| Net loans and leases to core deposits | 114.3073% | 803 |
| Total domestic deposits to total assets | 70.1300% | 4,285 |
| Equity capital to assets | 27.2796% | 171 |
| Core capital (leverage) ratio | 27.4015% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4404% | 183 |
| Memoranda: | ||
| Average total assets | $62,096,800 | 4,188 |
| Average earning assets | $53,399,200 | 4,213 |
| Average equity | $16,833,600 | 3,107 |
| Average total loans | $47,679,200 | 3,874 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 1,370 |
| Cost of funding earning assets | 1.2539% | 2,273 |
| Net interest margin | 3.9883% | 1,239 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 1.4032% | 4,392 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.4486% | 1,223 |
| Return on assets (ROA) | 1.4486% | 1,205 |
| Pretax return on assets | 1.9300% | 831 |
| Return on Equity (ROE) | 5.3500% | 3,756 |
| Retained earnings to average equity (ytd only) | 5.3523% | 2,824 |
| Net charge-offs to loans | -0.1790% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 40.4984% | 4,348 |
| Assets per employee ($millions) | 15.7238% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 672 |
| Loan loss allowance to noncurrent loans | 1,456.8966% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 2,968 |
| Noncurrent loans to loans | 0.1180% | 2,977 |
| Net loans and leases to total assets | 76.8000% | 1,015 |
| Net loans and leases to deposits | 109.6025% | 209 |
| Net loans and leases to core deposits | 118.8436% | 585 |
| Total domestic deposits to total assets | 70.0700% | 4,323 |
| Equity capital to assets | 27.1055% | 178 |
| Core capital (leverage) ratio | 27.8292% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0846% | 203 |
| Memoranda: | ||
| Average total assets | $61,760,250 | 4,210 |
| Average earning assets | $52,954,000 | 4,237 |
| Average equity | $16,715,250 | 3,102 |
| Average total loans | $47,661,500 | 3,884 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2715% | 1,117 |
| Cost of funding earning assets | 1.0558% | 2,432 |
| Net interest margin | 4.2157% | 913 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 1.3457% | 4,453 |
| Loan and lease loss provision to assets | 0.6700% | 107 |
| Net operating income to assets | 1.2349% | 1,734 |
| Return on assets (ROA) | 1.2349% | 1,728 |
| Pretax return on assets | 1.6454% | 1,325 |
| Return on Equity (ROE) | 4.5700% | 3,946 |
| Retained earnings to average equity (ytd only) | 4.5651% | 3,063 |
| Net charge-offs to loans | 0.3520% | 243 |
| Credit loss provision to net charge-offs | 248.1928% | 962 |
| Earnings coverage of net charge-offs (x) | 8.5663% | 2,055 |
| Efficiency ratio | 36.7438% | 4,458 |
| Assets per employee ($millions) | 15.3603% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 808 |
| Loan loss allowance to noncurrent loans | 1,915.9091% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 3,059 |
| Noncurrent loans to loans | 0.0869% | 3,070 |
| Net loans and leases to total assets | 81.0200% | 519 |
| Net loans and leases to deposits | 115.3623% | 127 |
| Net loans and leases to core deposits | 122.9470% | 453 |
| Total domestic deposits to total assets | 70.2300% | 4,354 |
| Equity capital to assets | 27.2603% | 171 |
| Core capital (leverage) ratio | 27.7418% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0181% | 208 |
| Memoranda: | ||
| Average total assets | $61,382,000 | 4,233 |
| Average earning assets | $52,660,333 | 4,260 |
| Average equity | $16,604,333 | 3,135 |
| Average total loans | $47,165,667 | 3,902 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3697% | 764 |
| Cost of funding earning assets | 0.8564% | 2,520 |
| Net interest margin | 4.5134% | 580 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 1.3691% | 4,490 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 1.6430% | 919 |
| Return on assets (ROA) | 1.6430% | 918 |
| Pretax return on assets | 2.1841% | 586 |
| Return on Equity (ROE) | 6.1000% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.0973% | 2,737 |
| Net charge-offs to loans | 0.3521% | 226 |
| Credit loss provision to net charge-offs | 117.5000% | 1,041 |
| Earnings coverage of net charge-offs (x) | 9.5500% | 1,686 |
| Efficiency ratio | 35.4730% | 4,549 |
| Assets per employee ($millions) | 15.1588% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 911 |
| Loan loss allowance to noncurrent loans | 865.4762% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 2,540 |
| Noncurrent loans to loans | 0.1906% | 2,521 |
| Net loans and leases to total assets | 71.4700% | 1,475 |
| Net loans and leases to deposits | 102.0150% | 360 |
| Net loans and leases to core deposits | 107.3148% | 786 |
| Total domestic deposits to total assets | 70.0600% | 4,415 |
| Equity capital to assets | 27.4297% | 132 |
| Core capital (leverage) ratio | 27.7539% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.6283% | 174 |
| Memoranda: | ||
| Average total assets | $61,352,500 | 4,295 |
| Average earning assets | $51,846,000 | 4,331 |
| Average equity | $16,532,000 | 3,172 |
| Average total loans | $45,437,000 | 3,972 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 990 |
| Cost of funding earning assets | 0.4500% | 1,726 |
| Net interest margin | 3.8893% | 975 |
| Noninterest income to average assets | 0.0300% | 4,621 |
| Noninterest expense to average assets | 1.1683% | 4,618 |
| Loan and lease loss provision to assets | -0.3300% | 4,673 |
| Net operating income to assets | 1.9728% | 313 |
| Return on assets (ROA) | 1.9728% | 301 |
| Pretax return on assets | 2.6280% | 176 |
| Return on Equity (ROE) | 8.7800% | 3,178 |
| Retained earnings to average equity (ytd only) | 8.7797% | 1,541 |
| Net charge-offs to loans | -0.2402% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 33.6747% | 4,624 |
| Assets per employee ($millions) | 15.5175% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 1,775 |
| Loan loss allowance to noncurrent loans | 776.2500% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 2,619 |
| Noncurrent loans to loans | 0.1709% | 2,628 |
| Net loans and leases to total assets | 74.4100% | 1,185 |
| Net loans and leases to deposits | 104.3679% | 286 |
| Net loans and leases to core deposits | 109.5515% | 623 |
| Total domestic deposits to total assets | 71.3000% | 4,442 |
| Equity capital to assets | 26.4733% | 137 |
| Core capital (leverage) ratio | 25.8176% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4410% | 190 |
| Memoranda: | ||
| Average total assets | $70,358,400 | 4,228 |
| Average earning assets | $62,222,600 | 4,236 |
| Average equity | $15,809,200 | 3,293 |
| Average total loans | $47,469,000 | 3,935 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1566% | 964 |
| Cost of funding earning assets | 0.4001% | 1,288 |
| Net interest margin | 3.7565% | 1,022 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 1.1450% | 4,649 |
| Loan and lease loss provision to assets | -0.4200% | 4,726 |
| Net operating income to assets | 1.9862% | 291 |
| Return on assets (ROA) | 1.9862% | 291 |
| Pretax return on assets | 2.6452% | 184 |
| Return on Equity (ROE) | 9.1900% | 2,974 |
| Retained earnings to average equity (ytd only) | 9.1905% | 1,581 |
| Net charge-offs to loans | -0.2855% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 34.0077% | 4,668 |
| Assets per employee ($millions) | 16.1685% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 2,122 |
| Loan loss allowance to noncurrent loans | 511.7647% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 2,373 |
| Noncurrent loans to loans | 0.2504% | 2,379 |
| Net loans and leases to total assets | 72.5500% | 1,224 |
| Net loans and leases to deposits | 99.5101% | 381 |
| Net loans and leases to core deposits | 104.2039% | 647 |
| Total domestic deposits to total assets | 72.9100% | 4,483 |
| Equity capital to assets | 24.9065% | 141 |
| Core capital (leverage) ratio | 24.2051% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0568% | 209 |
| Memoranda: | ||
| Average total assets | $72,430,500 | 4,243 |
| Average earning assets | $64,314,000 | 4,244 |
| Average equity | $15,653,500 | 3,352 |
| Average total loans | $47,634,000 | 3,955 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9956% | 945 |
| Cost of funding earning assets | 0.3624% | 1,174 |
| Net interest margin | 3.6332% | 1,015 |
| Noninterest income to average assets | 0.0240% | 4,696 |
| Noninterest expense to average assets | 1.1331% | 4,666 |
| Loan and lease loss provision to assets | -0.5332% | 4,751 |
| Net operating income to assets | 1.9969% | 229 |
| Return on assets (ROA) | 1.9969% | 230 |
| Pretax return on assets | 2.6581% | 138 |
| Return on Equity (ROE) | 9.6633% | 2,467 |
| Retained earnings to average equity (ytd only) | 9.6633% | 1,106 |
| Net charge-offs to loans | -0.6042% | 4,702 |
| Credit loss provision to net charge-offs | 138.8889% | 1,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7791% | 4,687 |
| Assets per employee ($millions) | 17.6190% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 1,524 |
| Loan loss allowance to noncurrent loans | 412.7273% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 2,148 |
| Noncurrent loans to loans | 0.3535% | 2,082 |
| Net loans and leases to total assets | 65.2676% | 1,784 |
| Net loans and leases to deposits | 86.2322% | 953 |
| Net loans and leases to core deposits | 90.2275% | 1,108 |
| Total domestic deposits to total assets | 75.6882% | 4,475 |
| Equity capital to assets | 22.4445% | 126 |
| Core capital (leverage) ratio | 22.0374% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1829% | 190 |
| Memoranda: | ||
| Average total assets | $75,016,000 | 4,261 |
| Average earning assets | $66,773,333 | 4,280 |
| Average equity | $15,502,000 | 3,454 |
| Average total loans | $47,668,000 | 3,998 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 985 |
| Cost of funding earning assets | 0.3762% | 1,019 |
| Net interest margin | 3.4843% | 1,121 |
| Noninterest income to average assets | 0.0362% | 4,693 |
| Noninterest expense to average assets | 1.1335% | 4,686 |
| Loan and lease loss provision to assets | -0.7763% | 4,778 |
| Net operating income to assets | 2.0961% | 188 |
| Return on assets (ROA) | 2.0961% | 188 |
| Pretax return on assets | 2.7948% | 122 |
| Return on Equity (ROE) | 10.5579% | 1,780 |
| Retained earnings to average equity (ytd only) | 10.5579% | 885 |
| Net charge-offs to loans | -1.3787% | 4,748 |
| Credit loss provision to net charge-offs | 90.3614% | 1,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9606% | 4,701 |
| Assets per employee ($millions) | 18.8843% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 1,326 |
| Loan loss allowance to noncurrent loans | 492.1569% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 2,416 |
| Noncurrent loans to loans | 0.3209% | 2,320 |
| Net loans and leases to total assets | 62.1232% | 1,844 |
| Net loans and leases to deposits | 79.8034% | 1,161 |
| Net loans and leases to core deposits | 83.8698% | 1,248 |
| Total domestic deposits to total assets | 77.8453% | 4,415 |
| Equity capital to assets | 20.5250% | 149 |
| Core capital (leverage) ratio | 20.1072% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5190% | 215 |
| Memoranda: | ||
| Average total assets | $77,286,000 | 4,250 |
| Average earning assets | $69,109,500 | 4,279 |
| Average equity | $15,344,000 | 3,532 |
| Average total loans | $48,162,500 | 4,006 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 709 |
| Cost of funding earning assets | 0.5854% | 586 |
| Net interest margin | 3.8221% | 962 |
| Noninterest income to average assets | 0.2316% | 3,994 |
| Noninterest expense to average assets | 0.9436% | 4,766 |
| Loan and lease loss provision to assets | -0.6400% | 4,820 |
| Net operating income to assets | 2.5772% | 145 |
| Return on assets (ROA) | 2.5772% | 149 |
| Pretax return on assets | 3.4306% | 104 |
| Return on Equity (ROE) | 14.9433% | 962 |
| Retained earnings to average equity (ytd only) | 14.9433% | 227 |
| Net charge-offs to loans | 0.7485% | 100 |
| Credit loss provision to net charge-offs | -124.1135% | 3,407 |
| Earnings coverage of net charge-offs (x) | 5.4113% | 2,447 |
| Efficiency ratio | 25.2693% | 4,809 |
| Assets per employee ($millions) | 19.7588% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 1,499 |
| Loan loss allowance to noncurrent loans | 982.6667% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 3,273 |
| Noncurrent loans to loans | 0.1542% | 3,166 |
| Net loans and leases to total assets | 60.6174% | 2,095 |
| Net loans and leases to deposits | 76.3746% | 1,537 |
| Net loans and leases to core deposits | 82.6944% | 1,407 |
| Total domestic deposits to total assets | 79.3686% | 4,276 |
| Equity capital to assets | 19.2117% | 203 |
| Core capital (leverage) ratio | 18.8015% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0069% | 260 |
| Memoranda: | ||
| Average total assets | $82,027,200 | 4,186 |
| Average earning assets | $75,167,200 | 4,193 |
| Average equity | $14,146,800 | 3,727 |
| Average total loans | $56,510,600 | 3,885 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 653 |
| Cost of funding earning assets | 0.6193% | 578 |
| Net interest margin | 3.8980% | 941 |
| Noninterest income to average assets | 0.2899% | 3,719 |
| Noninterest expense to average assets | 0.6765% | 4,885 |
| Loan and lease loss provision to assets | -0.3624% | 4,848 |
| Net operating income to assets | 2.6771% | 177 |
| Return on assets (ROA) | 2.6771% | 182 |
| Pretax return on assets | 3.5646% | 115 |
| Return on Equity (ROE) | 15.9564% | 961 |
| Retained earnings to average equity (ytd only) | 15.9564% | 304 |
| Net charge-offs to loans | 1.0374% | 59 |
| Credit loss provision to net charge-offs | -49.4505% | 3,140 |
| Earnings coverage of net charge-offs (x) | 4.3692% | 2,273 |
| Efficiency ratio | 17.4419% | 4,902 |
| Assets per employee ($millions) | 27.1517% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8993% | 773 |
| Loan loss allowance to noncurrent loans | 858.9744% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 3,153 |
| Noncurrent loans to loans | 0.2211% | 3,066 |
| Net loans and leases to total assets | 63.7260% | 1,806 |
| Net loans and leases to deposits | 79.1727% | 1,364 |
| Net loans and leases to core deposits | 87.9215% | 1,154 |
| Total domestic deposits to total assets | 80.4898% | 4,166 |
| Equity capital to assets | 18.1180% | 269 |
| Core capital (leverage) ratio | 18.1304% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1045% | 336 |
| Memoranda: | ||
| Average total assets | $82,775,250 | 4,229 |
| Average earning assets | $76,207,750 | 4,234 |
| Average equity | $13,887,500 | 3,799 |
| Average total loans | $58,476,750 | 3,898 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 527 |
| Cost of funding earning assets | 0.6724% | 517 |
| Net interest margin | 4.0370% | 771 |
| Noninterest income to average assets | 0.3966% | 3,119 |
| Noninterest expense to average assets | 0.6994% | 4,920 |
| Loan and lease loss provision to assets | 0.1803% | 632 |
| Net operating income to assets | 2.4539% | 234 |
| Return on assets (ROA) | 2.4539% | 249 |
| Pretax return on assets | 3.2686% | 141 |
| Return on Equity (ROE) | 15.0177% | 1,152 |
| Retained earnings to average equity (ytd only) | 15.0177% | 426 |
| Net charge-offs to loans | 1.4785% | 47 |
| Credit loss provision to net charge-offs | 16.8161% | 1,747 |
| Earnings coverage of net charge-offs (x) | 3.2175% | 2,085 |
| Efficiency ratio | 16.8598% | 4,942 |
| Assets per employee ($millions) | 27.6167% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2948% | 363 |
| Loan loss allowance to noncurrent loans | 906.2069% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 3,094 |
| Noncurrent loans to loans | 0.2532% | 3,035 |
| Net loans and leases to total assets | 67.5256% | 1,510 |
| Net loans and leases to deposits | 82.5452% | 1,169 |
| Net loans and leases to core deposits | 92.5353% | 972 |
| Total domestic deposits to total assets | 81.8045% | 3,956 |
| Equity capital to assets | 17.0320% | 323 |
| Core capital (leverage) ratio | 16.6129% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4821% | 456 |
| Memoranda: | ||
| Average total assets | $83,215,333 | 4,247 |
| Average earning assets | $77,334,333 | 4,241 |
| Average equity | $13,597,333 | 3,833 |
| Average total loans | $60,331,333 | 3,892 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 588 |
| Cost of funding earning assets | 0.6973% | 553 |
| Net interest margin | 3.9803% | 867 |
| Noninterest income to average assets | 0.7482% | 1,722 |
| Noninterest expense to average assets | 0.3693% | 4,964 |
| Loan and lease loss provision to assets | 1.0792% | 36 |
| Net operating income to assets | 2.2878% | 364 |
| Return on assets (ROA) | 2.2878% | 393 |
| Pretax return on assets | 3.0504% | 223 |
| Return on Equity (ROE) | 14.3023% | 1,373 |
| Retained earnings to average equity (ytd only) | 14.3023% | 725 |
| Net charge-offs to loans | 2.9224% | 21 |
| Credit loss provision to net charge-offs | 49.7788% | 1,311 |
| Earnings coverage of net charge-offs (x) | 1.9049% | 1,828 |
| Efficiency ratio | 8.2090% | 4,972 |
| Assets per employee ($millions) | 28.4743% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3623% | 326 |
| Loan loss allowance to noncurrent loans | 517.0213% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 2,488 |
| Noncurrent loans to loans | 0.4569% | 2,485 |
| Net loans and leases to total assets | 70.5454% | 1,216 |
| Net loans and leases to deposits | 84.9215% | 1,055 |
| Net loans and leases to core deposits | 103.1354% | 597 |
| Total domestic deposits to total assets | 83.0713% | 3,668 |
| Equity capital to assets | 15.8962% | 398 |
| Core capital (leverage) ratio | 16.0919% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2208% | 568 |
| Memoranda: | ||
| Average total assets | $83,398,000 | 4,260 |
| Average earning assets | $78,586,500 | 4,241 |
| Average equity | $13,340,500 | 3,863 |
| Average total loans | $61,867,500 | 3,883 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 722 |
| Cost of funding earning assets | 1.0805% | 434 |
| Net interest margin | 3.7297% | 1,706 |
| Noninterest income to average assets | 0.0309% | 4,896 |
| Noninterest expense to average assets | 0.5978% | 4,973 |
| Loan and lease loss provision to assets | 2.3591% | 23 |
| Net operating income to assets | 0.5618% | 3,866 |
| Return on assets (ROA) | 0.5618% | 3,968 |
| Pretax return on assets | 0.7482% | 3,768 |
| Return on Equity (ROE) | 3.4099% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.4099% | 3,118 |
| Net charge-offs to loans | 1.7229% | 59 |
| Credit loss provision to net charge-offs | 164.5740% | 2,344 |
| Earnings coverage of net charge-offs (x) | 2.1677% | 3,191 |
| Efficiency ratio | 16.1346% | 4,989 |
| Assets per employee ($millions) | 27.1243% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7171% | 203 |
| Loan loss allowance to noncurrent loans | 1,296.1538% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 3,475 |
| Noncurrent loans to loans | 0.2096% | 3,449 |
| Net loans and leases to total assets | 74.1401% | 1,006 |
| Net loans and leases to deposits | 89.3407% | 979 |
| Net loans and leases to core deposits | 115.0041% | 385 |
| Total domestic deposits to total assets | 82.9858% | 3,415 |
| Equity capital to assets | 16.1012% | 414 |
| Core capital (leverage) ratio | 16.8936% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2871% | 640 |
| Memoranda: | ||
| Average total assets | $77,783,400 | 4,272 |
| Average earning assets | $76,628,000 | 4,209 |
| Average equity | $12,815,600 | 3,879 |
| Average total loans | $64,716,800 | 3,836 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 831 |
| Cost of funding earning assets | 1.1791% | 402 |
| Net interest margin | 3.6587% | 2,071 |
| Noninterest income to average assets | 0.0295% | 4,933 |
| Noninterest expense to average assets | 0.5983% | 5,011 |
| Loan and lease loss provision to assets | 2.5232% | 30 |
| Net operating income to assets | 0.3850% | 4,294 |
| Return on assets (ROA) | 0.3850% | 4,356 |
| Pretax return on assets | 0.5133% | 4,255 |
| Return on Equity (ROE) | 2.3226% | 4,505 |
| Retained earnings to average equity (ytd only) | 2.3226% | 3,817 |
| Net charge-offs to loans | 1.3131% | 96 |
| Credit loss provision to net charge-offs | 225.9317% | 2,010 |
| Earnings coverage of net charge-offs (x) | 2.7189% | 2,966 |
| Efficiency ratio | 16.4599% | 5,022 |
| Assets per employee ($millions) | 25.2980% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7048% | 189 |
| Loan loss allowance to noncurrent loans | 632.0285% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 2,669 |
| Noncurrent loans to loans | 0.4280% | 2,774 |
| Net loans and leases to total assets | 84.1766% | 265 |
| Net loans and leases to deposits | 102.4340% | 436 |
| Net loans and leases to core deposits | 135.0377% | 195 |
| Total domestic deposits to total assets | 82.1765% | 3,374 |
| Equity capital to assets | 16.9842% | 374 |
| Core capital (leverage) ratio | 17.4950% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4246% | 733 |
| Memoranda: | ||
| Average total assets | $76,886,000 | 4,291 |
| Average earning assets | $75,762,500 | 4,225 |
| Average equity | $12,744,000 | 3,893 |
| Average total loans | $65,392,250 | 3,837 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 1,437 |
| Cost of funding earning assets | 1.3087% | 351 |
| Net interest margin | 3.3795% | 3,161 |
| Noninterest income to average assets | 0.0285% | 4,958 |
| Noninterest expense to average assets | 0.6113% | 5,044 |
| Loan and lease loss provision to assets | 2.6031% | 35 |
| Net operating income to assets | 0.1088% | 4,676 |
| Return on assets (ROA) | 0.1088% | 4,706 |
| Pretax return on assets | 0.1450% | 4,687 |
| Return on Equity (ROE) | 0.6617% | 4,729 |
| Retained earnings to average equity (ytd only) | 0.6617% | 4,171 |
| Net charge-offs to loans | 2.1286% | 59 |
| Credit loss provision to net charge-offs | 144.6043% | 2,157 |
| Earnings coverage of net charge-offs (x) | 1.5266% | 2,849 |
| Efficiency ratio | 18.1958% | 5,052 |
| Assets per employee ($millions) | 18.4008% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9228% | 509 |
| Loan loss allowance to noncurrent loans | 1,795.7746% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 4,049 |
| Noncurrent loans to loans | 0.1071% | 4,027 |
| Net loans and leases to total assets | 88.3592% | 54 |
| Net loans and leases to deposits | 107.8131% | 273 |
| Net loans and leases to core deposits | 137.8649% | 187 |
| Total domestic deposits to total assets | 81.9559% | 3,385 |
| Equity capital to assets | 17.2724% | 352 |
| Core capital (leverage) ratio | 16.6461% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0554% | 769 |
| Memoranda: | ||
| Average total assets | $77,216,667 | 4,294 |
| Average earning assets | $76,106,333 | 4,225 |
| Average equity | $12,695,333 | 3,907 |
| Average total loans | $65,302,667 | 3,847 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 2,193 |
| Cost of funding earning assets | 1.4274% | 352 |
| Net interest margin | 3.1115% | 4,068 |
| Noninterest income to average assets | 0.0304% | 5,000 |
| Noninterest expense to average assets | 0.6277% | 5,090 |
| Loan and lease loss provision to assets | 2.2019% | 58 |
| Net operating income to assets | 0.2025% | 4,526 |
| Return on assets (ROA) | 0.2025% | 4,537 |
| Pretax return on assets | 0.2683% | 4,497 |
| Return on Equity (ROE) | 1.2612% | 4,588 |
| Retained earnings to average equity (ytd only) | 1.2612% | 3,680 |
| Net charge-offs to loans | 1.9074% | 74 |
| Credit loss provision to net charge-offs | 140.7767% | 1,620 |
| Earnings coverage of net charge-offs (x) | 1.5793% | 2,374 |
| Efficiency ratio | 20.2614% | 5,091 |
| Assets per employee ($millions) | 19.0453% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 908 |
| Loan loss allowance to noncurrent loans | 1,398.7179% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 4,106 |
| Noncurrent loans to loans | 0.1201% | 4,041 |
| Net loans and leases to total assets | 83.7939% | 283 |
| Net loans and leases to deposits | 101.5010% | 463 |
| Net loans and leases to core deposits | 131.6430% | 247 |
| Total domestic deposits to total assets | 82.5547% | 3,249 |
| Equity capital to assets | 16.6826% | 483 |
| Core capital (leverage) ratio | 16.0282% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1786% | 839 |
| Memoranda: | ||
| Average total assets | $79,023,500 | 4,275 |
| Average earning assets | $77,904,500 | 4,205 |
| Average equity | $12,686,500 | 3,918 |
| Average total loans | $64,799,000 | 3,865 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 2,457 |
| Cost of funding earning assets | 1.5057% | 389 |
| Net interest margin | 3.1493% | 4,289 |
| Noninterest income to average assets | 0.0436% | 5,049 |
| Noninterest expense to average assets | 0.8722% | 5,133 |
| Loan and lease loss provision to assets | 0.7247% | 152 |
| Net operating income to assets | 1.1659% | 2,193 |
| Return on assets (ROA) | 1.1659% | 2,287 |
| Pretax return on assets | 1.5533% | 1,639 |
| Return on Equity (ROE) | 7.4712% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.4712% | 1,183 |
| Net charge-offs to loans | 0.6346% | 285 |
| Credit loss provision to net charge-offs | 144.1327% | 1,786 |
| Earnings coverage of net charge-offs (x) | 4.5306% | 3,204 |
| Efficiency ratio | 27.6873% | 5,142 |
| Assets per employee ($millions) | 20.4665% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 1,254 |
| Loan loss allowance to noncurrent loans | 656.4626% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 3,754 |
| Noncurrent loans to loans | 0.2273% | 3,633 |
| Net loans and leases to total assets | 77.8186% | 1,104 |
| Net loans and leases to deposits | 92.7862% | 1,279 |
| Net loans and leases to core deposits | 123.8400% | 387 |
| Total domestic deposits to total assets | 83.8688% | 2,890 |
| Equity capital to assets | 15.4692% | 691 |
| Core capital (leverage) ratio | 14.4256% | 821 |
| Tier 1 risk-based capital ratio | 18.5774% | 1,614 |
| Total risk-based capital ratio | 19.8282% | 1,587 |
| Memoranda: | ||
| Average total assets | $77,964,800 | 4,321 |
| Average earning assets | $76,906,400 | 4,232 |
| Average equity | $12,166,800 | 3,977 |
| Average total loans | $61,770,200 | 3,951 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 2,971 |
| Cost of funding earning assets | 1.4431% | 495 |
| Net interest margin | 3.0827% | 4,503 |
| Noninterest income to average assets | 0.0416% | 5,130 |
| Noninterest expense to average assets | 0.9248% | 5,211 |
| Loan and lease loss provision to assets | 0.7793% | 135 |
| Net operating income to assets | 1.0356% | 2,840 |
| Return on assets (ROA) | 1.0356% | 2,922 |
| Pretax return on assets | 1.3785% | 2,391 |
| Return on Equity (ROE) | 6.6208% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.6208% | 2,044 |
| Net charge-offs to loans | 0.6683% | 240 |
| Credit loss provision to net charge-offs | 147.0588% | 1,663 |
| Earnings coverage of net charge-offs (x) | 4.0719% | 3,045 |
| Efficiency ratio | 30.0000% | 5,213 |
| Assets per employee ($millions) | 22.1678% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,471 |
| Loan loss allowance to noncurrent loans | 214.1876% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 2,555 |
| Noncurrent loans to loans | 0.6672% | 2,285 |
| Net loans and leases to total assets | 72.8141% | 2,034 |
| Net loans and leases to deposits | 84.8323% | 2,338 |
| Net loans and leases to core deposits | 121.0783% | 500 |
| Total domestic deposits to total assets | 85.8330% | 2,066 |
| Equity capital to assets | 13.9313% | 1,177 |
| Core capital (leverage) ratio | 15.1246% | 716 |
| Tier 1 risk-based capital ratio | 17.5554% | 1,930 |
| Total risk-based capital ratio | 18.8056% | 1,895 |
| Memoranda: | ||
| Average total assets | $76,989,500 | 4,386 |
| Average earning assets | $75,947,500 | 4,306 |
| Average equity | $12,042,500 | 4,031 |
| Average total loans | $61,044,750 | 4,007 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 2,575 |
| Cost of funding earning assets | 1.4042% | 529 |
| Net interest margin | 3.2274% | 4,296 |
| Noninterest income to average assets | 0.0465% | 5,176 |
| Noninterest expense to average assets | 1.0835% | 5,246 |
| Loan and lease loss provision to assets | 0.6840% | 155 |
| Net operating income to assets | 1.0945% | 2,547 |
| Return on assets (ROA) | 1.0945% | 2,615 |
| Pretax return on assets | 1.4611% | 1,986 |
| Return on Equity (ROE) | 6.7007% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.7007% | 1,951 |
| Net charge-offs to loans | 0.4063% | 412 |
| Credit loss provision to net charge-offs | 206.6116% | 1,177 |
| Earnings coverage of net charge-offs (x) | 6.4793% | 2,567 |
| Efficiency ratio | 33.5593% | 5,240 |
| Assets per employee ($millions) | 26.1140% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 1,267 |
| Loan loss allowance to noncurrent loans | 157.1672% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 1,864 |
| Noncurrent loans to loans | 0.9562% | 1,708 |
| Net loans and leases to total assets | 77.0532% | 1,380 |
| Net loans and leases to deposits | 91.5356% | 1,553 |
| Net loans and leases to core deposits | 134.5361% | 250 |
| Total domestic deposits to total assets | 84.1783% | 2,787 |
| Equity capital to assets | 15.5153% | 706 |
| Core capital (leverage) ratio | 16.1507% | 530 |
| Tier 1 risk-based capital ratio | 18.7197% | 1,619 |
| Total risk-based capital ratio | 19.9713% | 1,580 |
| Memoranda: | ||
| Average total assets | $73,095,670 | 4,473 |
| Average earning assets | $72,071,000 | 4,400 |
| Average equity | $11,939,000 | 4,054 |
| Average total loans | $59,559,330 | 4,061 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 2,737 |
| Cost of funding earning assets | 1.3361% | 584 |
| Net interest margin | 3.2021% | 4,380 |
| Noninterest income to average assets | 0.0454% | 5,224 |
| Noninterest expense to average assets | 1.1352% | 5,296 |
| Loan and lease loss provision to assets | 0.8514% | 110 |
| Net operating income to assets | 0.9082% | 3,206 |
| Return on assets (ROA) | 0.9082% | 3,253 |
| Pretax return on assets | 1.2147% | 2,749 |
| Return on Equity (ROE) | 5.4095% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.4095% | 2,732 |
| Net charge-offs to loans | 0.7019% | 213 |
| Credit loss provision to net charge-offs | 145.6311% | 1,267 |
| Earnings coverage of net charge-offs (x) | 3.5340% | 2,394 |
| Efficiency ratio | 35.4610% | 5,278 |
| Assets per employee ($millions) | 18.0893% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 1,560 |
| Loan loss allowance to noncurrent loans | 183.5886% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 2,191 |
| Noncurrent loans to loans | 0.7803% | 2,083 |
| Net loans and leases to total assets | 79.7822% | 866 |
| Net loans and leases to deposits | 95.8062% | 990 |
| Net loans and leases to core deposits | 149.6087% | 127 |
| Total domestic deposits to total assets | 83.2746% | 3,292 |
| Equity capital to assets | 16.4642% | 505 |
| Core capital (leverage) ratio | 17.2018% | 404 |
| Tier 1 risk-based capital ratio | 19.3710% | 1,471 |
| Total risk-based capital ratio | 20.6222% | 1,442 |
| Memoranda: | ||
| Average total assets | $70,472,500 | 4,558 |
| Average earning assets | $69,455,500 | 4,491 |
| Average equity | $11,831,000 | 4,080 |
| Average total loans | $58,696,000 | 4,119 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5442% | 2,318 |
| Cost of funding earning assets | 1.0328% | 660 |
| Net interest margin | 3.5114% | 3,666 |
| Noninterest income to average assets | 0.0460% | 5,281 |
| Noninterest expense to average assets | 1.2803% | 5,306 |
| Loan and lease loss provision to assets | 0.6133% | 180 |
| Net operating income to assets | 1.2080% | 2,128 |
| Return on assets (ROA) | 1.2128% | 2,110 |
| Pretax return on assets | 1.6146% | 1,421 |
| Return on Equity (ROE) | 6.9556% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.9556% | 1,690 |
| Net charge-offs to loans | 0.5441% | 324 |
| Credit loss provision to net charge-offs | 131.5789% | 2,010 |
| Earnings coverage of net charge-offs (x) | 4.7664% | 3,261 |
| Efficiency ratio | 36.5587% | 5,324 |
| Assets per employee ($millions) | 17.1470% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 1,841 |
| Loan loss allowance to noncurrent loans | 163.2990% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 1,960 |
| Noncurrent loans to loans | 0.8245% | 1,951 |
| Net loans and leases to total assets | 84.6110% | 359 |
| Net loans and leases to deposits | 102.3600% | 568 |
| Net loans and leases to core deposits | 149.8864% | 135 |
| Total domestic deposits to total assets | 82.6602% | 3,436 |
| Equity capital to assets | 17.1298% | 407 |
| Core capital (leverage) ratio | 17.0554% | 402 |
| Tier 1 risk-based capital ratio | 19.2734% | 1,459 |
| Total risk-based capital ratio | 20.5238% | 1,420 |
| Memoranda: | ||
| Average total assets | $65,218,800 | 4,674 |
| Average earning assets | $64,191,400 | 4,586 |
| Average equity | $11,372,200 | 4,106 |
| Average total loans | $55,873,800 | 4,189 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4595% | 2,435 |
| Cost of funding earning assets | 0.9471% | 758 |
| Net interest margin | 3.5125% | 3,649 |
| Noninterest income to average assets | 0.0580% | 5,325 |
| Noninterest expense to average assets | 1.1930% | 5,394 |
| Loan and lease loss provision to assets | 0.5178% | 211 |
| Net operating income to assets | 1.3521% | 1,657 |
| Return on assets (ROA) | 1.3586% | 1,635 |
| Pretax return on assets | 1.8122% | 989 |
| Return on Equity (ROE) | 7.7553% | 3,643 |
| Retained earnings to average equity (ytd only) | 7.7553% | 1,768 |
| Net charge-offs to loans | 0.5973% | 247 |
| Credit loss provision to net charge-offs | 101.2146% | 2,237 |
| Earnings coverage of net charge-offs (x) | 4.5384% | 3,049 |
| Efficiency ratio | 33.9423% | 5,405 |
| Assets per employee ($millions) | 17.1450% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 2,057 |
| Loan loss allowance to noncurrent loans | 150.6466% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 2,171 |
| Noncurrent loans to loans | 0.8695% | 1,964 |
| Net loans and leases to total assets | 76.7935% | 1,537 |
| Net loans and leases to deposits | 92.6173% | 1,550 |
| Net loans and leases to core deposits | 133.7014% | 277 |
| Total domestic deposits to total assets | 82.9148% | 3,336 |
| Equity capital to assets | 16.9321% | 424 |
| Core capital (leverage) ratio | 18.1838% | 315 |
| Tier 1 risk-based capital ratio | 20.5261% | 1,243 |
| Total risk-based capital ratio | 21.7620% | 1,220 |
| Memoranda: | ||
| Average total assets | $64,376,500 | 4,733 |
| Average earning assets | $63,353,500 | 4,649 |
| Average equity | $11,278,000 | 4,161 |
| Average total loans | $55,136,000 | 4,249 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 2,108 |
| Cost of funding earning assets | 0.9005% | 732 |
| Net interest margin | 3.5922% | 3,354 |
| Noninterest income to average assets | 0.0667% | 5,362 |
| Noninterest expense to average assets | 1.1115% | 5,472 |
| Loan and lease loss provision to assets | 0.6352% | 155 |
| Net operating income to assets | 1.3942% | 1,464 |
| Return on assets (ROA) | 1.3942% | 1,464 |
| Pretax return on assets | 1.8547% | 870 |
| Return on Equity (ROE) | 7.8627% | 3,560 |
| Retained earnings to average equity (ytd only) | 7.8627% | 1,681 |
| Net charge-offs to loans | 0.5850% | 257 |
| Credit loss provision to net charge-offs | 122.6994% | 1,777 |
| Earnings coverage of net charge-offs (x) | 4.8098% | 2,767 |
| Efficiency ratio | 30.8642% | 5,492 |
| Assets per employee ($millions) | 14.9708% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 2,009 |
| Loan loss allowance to noncurrent loans | 171.6628% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 2,096 |
| Noncurrent loans to loans | 0.7779% | 2,176 |
| Net loans and leases to total assets | 90.4447% | 64 |
| Net loans and leases to deposits | 111.8428% | 238 |
| Net loans and leases to core deposits | 147.4451% | 135 |
| Total domestic deposits to total assets | 80.8677% | 4,032 |
| Equity capital to assets | 19.0338% | 265 |
| Core capital (leverage) ratio | 18.1991% | 306 |
| Tier 1 risk-based capital ratio | 20.4146% | 1,257 |
| Total risk-based capital ratio | 21.6654% | 1,234 |
| Memoranda: | ||
| Average total assets | $62,975,330 | 4,803 |
| Average earning assets | $61,967,670 | 4,731 |
| Average equity | $11,166,670 | 4,210 |
| Average total loans | $55,726,670 | 4,266 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 2,315 |
| Cost of funding earning assets | 0.8500% | 766 |
| Net interest margin | 3.5135% | 3,487 |
| Noninterest income to average assets | 0.0682% | 5,429 |
| Noninterest expense to average assets | 1.1531% | 5,533 |
| Loan and lease loss provision to assets | 0.9299% | 96 |
| Net operating income to assets | 1.0849% | 2,496 |
| Return on assets (ROA) | 1.0849% | 2,514 |
| Pretax return on assets | 1.4445% | 1,851 |
| Return on Equity (ROE) | 6.3343% | 4,043 |
| Retained earnings to average equity (ytd only) | 6.3343% | 2,573 |
| Net charge-offs to loans | 0.7695% | 186 |
| Credit loss provision to net charge-offs | 138.8889% | 1,279 |
| Earnings coverage of net charge-offs (x) | 3.5463% | 2,375 |
| Efficiency ratio | 32.6889% | 5,547 |
| Assets per employee ($millions) | 15.8935% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 2,250 |
| Loan loss allowance to noncurrent loans | 186.8354% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 2,451 |
| Noncurrent loans to loans | 0.6955% | 2,473 |
| Net loans and leases to total assets | 88.1697% | 123 |
| Net loans and leases to deposits | 107.1349% | 340 |
| Net loans and leases to core deposits | 145.4071% | 161 |
| Total domestic deposits to total assets | 82.2978% | 3,872 |
| Equity capital to assets | 17.5166% | 356 |
| Core capital (leverage) ratio | 17.3454% | 352 |
| Tier 1 risk-based capital ratio | 19.2493% | 1,492 |
| Total risk-based capital ratio | 20.4981% | 1,452 |
| Memoranda: | ||
| Average total assets | $64,521,500 | 4,838 |
| Average earning assets | $63,526,000 | 4,759 |
| Average equity | $11,051,000 | 4,267 |
| Average total loans | $56,143,000 | 4,303 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 4,042 |
| Cost of funding earning assets | 0.6994% | 1,024 |
| Net interest margin | 3.1043% | 4,687 |
| Noninterest income to average assets | 0.0724% | 5,480 |
| Noninterest expense to average assets | 1.0917% | 5,600 |
| Loan and lease loss provision to assets | 0.7776% | 148 |
| Net operating income to assets | 0.6067% | 3,981 |
| Return on assets (ROA) | 0.6067% | 4,017 |
| Pretax return on assets | 1.2580% | 2,514 |
| Return on Equity (ROE) | 3.6433% | 4,633 |
| Retained earnings to average equity (ytd only) | 3.6433% | 3,071 |
| Net charge-offs to loans | 0.8558% | 229 |
| Credit loss provision to net charge-offs | 109.3074% | 2,386 |
| Earnings coverage of net charge-offs (x) | 2.8615% | 3,688 |
| Efficiency ratio | 34.9089% | 5,594 |
| Assets per employee ($millions) | 16.3673% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 2,446 |
| Loan loss allowance to noncurrent loans | 147.7707% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 2,172 |
| Noncurrent loans to loans | 0.8487% | 2,097 |
| Net loans and leases to total assets | 83.7022% | 479 |
| Net loans and leases to deposits | 100.7298% | 676 |
| Net loans and leases to core deposits | 135.3964% | 263 |
| Total domestic deposits to total assets | 83.0958% | 3,529 |
| Equity capital to assets | 16.7499% | 420 |
| Core capital (leverage) ratio | 17.3298% | 343 |
| Tier 1 risk-based capital ratio | 19.0903% | 1,490 |
| Total risk-based capital ratio | 20.3032% | 1,457 |
| Memoranda: | ||
| Average total assets | $64,946,400 | 4,865 |
| Average earning assets | $63,912,000 | 4,789 |
| Average equity | $10,814,400 | 4,333 |
| Average total loans | $53,985,600 | 4,366 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7535% | 4,167 |
| Cost of funding earning assets | 0.6646% | 1,147 |
| Net interest margin | 3.0889% | 4,740 |
| Noninterest income to average assets | 0.0679% | 5,564 |
| Noninterest expense to average assets | 0.9874% | 5,678 |
| Loan and lease loss provision to assets | 0.7714% | 142 |
| Net operating income to assets | 0.8434% | 3,305 |
| Return on assets (ROA) | 0.8434% | 3,354 |
| Pretax return on assets | 1.3494% | 2,288 |
| Return on Equity (ROE) | 5.0726% | 4,506 |
| Retained earnings to average equity (ytd only) | 5.0726% | 2,839 |
| Net charge-offs to loans | 0.8257% | 217 |
| Credit loss provision to net charge-offs | 112.9518% | 2,101 |
| Earnings coverage of net charge-offs (x) | 3.1054% | 3,377 |
| Efficiency ratio | 31.7670% | 5,685 |
| Assets per employee ($millions) | 15.6933% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,709 |
| Loan loss allowance to noncurrent loans | 151.9651% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.7296% | 2,317 |
| Noncurrent loans to loans | 0.8143% | 2,327 |
| Net loans and leases to total assets | 88.4903% | 135 |
| Net loans and leases to deposits | 107.4076% | 360 |
| Net loans and leases to core deposits | 148.4169% | 131 |
| Total domestic deposits to total assets | 82.3873% | 3,659 |
| Equity capital to assets | 17.4996% | 378 |
| Core capital (leverage) ratio | 17.2715% | 358 |
| Tier 1 risk-based capital ratio | 19.0726% | 1,563 |
| Total risk-based capital ratio | 20.2827% | 1,538 |
| Memoranda: | ||
| Average total assets | $64,815,750 | 4,922 |
| Average earning assets | $63,796,500 | 4,840 |
| Average equity | $10,776,500 | 4,381 |
| Average total loans | $53,608,250 | 4,412 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 4,698 |
| Cost of funding earning assets | 0.5984% | 1,461 |
| Net interest margin | 2.9270% | 5,045 |
| Noninterest income to average assets | 0.0702% | 5,597 |
| Noninterest expense to average assets | 0.9771% | 5,736 |
| Loan and lease loss provision to assets | 0.7634% | 136 |
| Net operating income to assets | 0.5893% | 4,353 |
| Return on assets (ROA) | 0.5893% | 4,405 |
| Pretax return on assets | 1.2123% | 2,728 |
| Return on Equity (ROE) | 3.6051% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.6051% | 3,560 |
| Net charge-offs to loans | 1.2062% | 163 |
| Credit loss provision to net charge-offs | 78.6164% | 2,279 |
| Earnings coverage of net charge-offs (x) | 2.0346% | 3,217 |
| Efficiency ratio | 33.0920% | 5,724 |
| Assets per employee ($millions) | 16.5710% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 2,929 |
| Loan loss allowance to noncurrent loans | 118.1818% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 2,330 |
| Noncurrent loans to loans | 1.0280% | 1,908 |
| Net loans and leases to total assets | 71.7654% | 2,242 |
| Net loans and leases to deposits | 85.7501% | 2,251 |
| Net loans and leases to core deposits | 121.5262% | 499 |
| Total domestic deposits to total assets | 83.6914% | 3,327 |
| Equity capital to assets | 16.2407% | 506 |
| Core capital (leverage) ratio | 17.6157% | 320 |
| Tier 1 risk-based capital ratio | 20.8250% | 1,222 |
| Total risk-based capital ratio | 21.9580% | 1,213 |
| Memoranda: | ||
| Average total assets | $65,496,670 | 4,940 |
| Average earning assets | $64,503,000 | 4,856 |
| Average equity | $10,707,000 | 4,410 |
| Average total loans | $52,729,670 | 4,453 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6625% | 4,226 |
| Cost of funding earning assets | 0.5990% | 1,379 |
| Net interest margin | 3.0635% | 4,758 |
| Noninterest income to average assets | 0.0737% | 5,663 |
| Noninterest expense to average assets | 0.9462% | 5,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3210% | 1,190 |
| Return on assets (ROA) | 1.3210% | 1,224 |
| Pretax return on assets | 2.1443% | 390 |
| Return on Equity (ROE) | 8.0539% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.0539% | 1,438 |
| Net charge-offs to loans | 0.5089% | 358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.9857% | 2,329 |
| Efficiency ratio | 30.6163% | 5,799 |
| Assets per employee ($millions) | 15.2353% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,877 |
| Loan loss allowance to noncurrent loans | 114.3137% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.8369% | 2,206 |
| Noncurrent loans to loans | 0.9374% | 2,168 |
| Net loans and leases to total assets | 88.3199% | 98 |
| Net loans and leases to deposits | 107.5535% | 270 |
| Net loans and leases to core deposits | 153.3419% | 97 |
| Total domestic deposits to total assets | 82.1171% | 4,141 |
| Equity capital to assets | 17.6974% | 323 |
| Core capital (leverage) ratio | 16.8768% | 370 |
| Tier 1 risk-based capital ratio | 19.4235% | 1,508 |
| Total risk-based capital ratio | 20.4745% | 1,523 |
| Memoranda: | ||
| Average total assets | $65,103,000 | 5,003 |
| Average earning assets | $64,109,000 | 4,914 |
| Average equity | $10,678,000 | 4,437 |
| Average total loans | $55,017,500 | 4,424 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 4,650 |
| Cost of funding earning assets | 0.6495% | 1,060 |
| Net interest margin | 2.8952% | 5,146 |
| Noninterest income to average assets | 0.0555% | 5,755 |
| Noninterest expense to average assets | 0.9544% | 5,865 |
| Loan and lease loss provision to assets | 0.1462% | 1,704 |
| Net operating income to assets | 1.1064% | 1,873 |
| Return on assets (ROA) | 1.1064% | 1,965 |
| Pretax return on assets | 1.8021% | 797 |
| Return on Equity (ROE) | 7.4181% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.4181% | 1,071 |
| Net charge-offs to loans | 0.2865% | 960 |
| Credit loss provision to net charge-offs | 58.1395% | 3,275 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 2,968 |
| Efficiency ratio | 32.8802% | 5,853 |
| Assets per employee ($millions) | 13.8530% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 3,281 |
| Loan loss allowance to noncurrent loans | 127.2904% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7406% | 2,512 |
| Noncurrent loans to loans | 0.9222% | 2,253 |
| Net loans and leases to total assets | 79.3705% | 988 |
| Net loans and leases to deposits | 93.7501% | 1,220 |
| Net loans and leases to core deposits | 121.6687% | 440 |
| Total domestic deposits to total assets | 84.6618% | 3,188 |
| Equity capital to assets | 15.2617% | 600 |
| Core capital (leverage) ratio | 14.9964% | 601 |
| Tier 1 risk-based capital ratio | 18.1509% | 1,817 |
| Total risk-based capital ratio | 19.2733% | 1,802 |
| Memoranda: | ||
| Average total assets | $68,420,200 | 4,968 |
| Average earning assets | $67,284,000 | 4,860 |
| Average equity | $10,204,800 | 4,537 |
| Average total loans | $60,039,200 | 4,298 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5180% | 4,760 |
| Cost of funding earning assets | 0.6563% | 1,023 |
| Net interest margin | 2.8617% | 5,248 |
| Noninterest income to average assets | 0.0508% | 5,834 |
| Noninterest expense to average assets | 0.9304% | 5,935 |
| Loan and lease loss provision to assets | 0.1955% | 1,102 |
| Net operating income to assets | 0.9813% | 2,509 |
| Return on assets (ROA) | 0.9813% | 2,648 |
| Pretax return on assets | 1.7378% | 1,022 |
| Return on Equity (ROE) | 6.6182% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.6182% | 1,839 |
| Net charge-offs to loans | 0.2551% | 921 |
| Credit loss provision to net charge-offs | 85.4701% | 2,596 |
| Earnings coverage of net charge-offs (x) | 8.4528% | 2,765 |
| Efficiency ratio | 32.4915% | 5,921 |
| Assets per employee ($millions) | 13.3798% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 3,563 |
| Loan loss allowance to noncurrent loans | 106.7873% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.9910% | 2,091 |
| Noncurrent loans to loans | 1.0733% | 2,105 |
| Net loans and leases to total assets | 91.2794% | 41 |
| Net loans and leases to deposits | 108.0854% | 304 |
| Net loans and leases to core deposits | 140.8911% | 185 |
| Total domestic deposits to total assets | 84.4512% | 3,041 |
| Equity capital to assets | 15.4352% | 642 |
| Core capital (leverage) ratio | 15.8939% | 496 |
| Tier 1 risk-based capital ratio | 16.4659% | 2,429 |
| Total risk-based capital ratio | 17.5971% | 2,429 |
| Memoranda: | ||
| Average total assets | $68,209,000 | 5,015 |
| Average earning assets | $67,044,500 | 4,909 |
| Average equity | $10,113,250 | 4,593 |
| Average total loans | $61,141,750 | 4,289 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6393% | 4,477 |
| Cost of funding earning assets | 0.6698% | 939 |
| Net interest margin | 2.9695% | 5,134 |
| Noninterest income to average assets | 0.0495% | 5,916 |
| Noninterest expense to average assets | 0.9032% | 6,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2499% | 1,424 |
| Return on assets (ROA) | 1.2499% | 1,535 |
| Pretax return on assets | 2.0657% | 501 |
| Return on Equity (ROE) | 8.5438% | 2,726 |
| Retained earnings to average equity (ytd only) | 8.5438% | 995 |
| Net charge-offs to loans | 0.2724% | 877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.5422% | 2,509 |
| Efficiency ratio | 30.4220% | 6,011 |
| Assets per employee ($millions) | 16.1133% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 3,465 |
| Loan loss allowance to noncurrent loans | 138.9610% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 2,826 |
| Noncurrent loans to loans | 0.8489% | 2,619 |
| Net loans and leases to total assets | 83.4437% | 470 |
| Net loans and leases to deposits | 99.3351% | 751 |
| Net loans and leases to core deposits | 131.2172% | 288 |
| Total domestic deposits to total assets | 84.0023% | 3,269 |
| Equity capital to assets | 15.9124% | 562 |
| Core capital (leverage) ratio | 15.4339% | 535 |
| Tier 1 risk-based capital ratio | 18.2066% | 1,875 |
| Total risk-based capital ratio | 19.3488% | 1,874 |
| Memoranda: | ||
| Average total assets | $68,645,670 | 5,055 |
| Average earning assets | $67,485,330 | 4,947 |
| Average equity | $10,042,330 | 4,634 |
| Average total loans | $60,931,330 | 4,317 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7567% | 4,115 |
| Cost of funding earning assets | 0.7019% | 801 |
| Net interest margin | 3.0548% | 4,986 |
| Noninterest income to average assets | 0.0396% | 5,996 |
| Noninterest expense to average assets | 0.8482% | 6,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3344% | 1,172 |
| Return on assets (ROA) | 1.3344% | 1,254 |
| Pretax return on assets | 2.1939% | 383 |
| Return on Equity (ROE) | 9.5013% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.5013% | 978 |
| Net charge-offs to loans | 0.3490% | 637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.9286% | 2,194 |
| Efficiency ratio | 27.8810% | 6,077 |
| Assets per employee ($millions) | 16.2628% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 4,061 |
| Loan loss allowance to noncurrent loans | 526.7717% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1952% | 4,783 |
| Noncurrent loans to loans | 0.2085% | 4,676 |
| Net loans and leases to total assets | 92.6089% | 25 |
| Net loans and leases to deposits | 109.9626% | 230 |
| Net loans and leases to core deposits | 147.3763% | 118 |
| Total domestic deposits to total assets | 84.2185% | 3,443 |
| Equity capital to assets | 15.4633% | 608 |
| Core capital (leverage) ratio | 14.1464% | 779 |
| Tier 1 risk-based capital ratio | 16.4407% | 2,498 |
| Total risk-based capital ratio | 17.5362% | 2,516 |
| Memoranda: | ||
| Average total assets | $70,742,000 | 5,053 |
| Average earning assets | $69,529,500 | 4,942 |
| Average equity | $9,935,500 | 4,668 |
| Average total loans | $64,185,000 | 4,257 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4743% | 6,000 |
| Cost of funding earning assets | 0.7132% | 767 |
| Net interest margin | 1.7612% | 6,085 |
| Noninterest income to average assets | 0.0519% | 5,999 |
| Noninterest expense to average assets | 0.7792% | 6,143 |
| Loan and lease loss provision to assets | 0.1818% | 1,246 |
| Net operating income to assets | 1.0416% | 2,165 |
| Return on assets (ROA) | 1.0416% | 2,249 |
| Pretax return on assets | 0.8260% | 4,112 |
| Return on Equity (ROE) | 8.4331% | 2,743 |
| Retained earnings to average equity (ytd only) | 8.4331% | 794 |
| Net charge-offs to loans | 0.3260% | 916 |
| Credit loss provision to net charge-offs | 76.0870% | 3,021 |
| Earnings coverage of net charge-offs (x) | 4.2174% | 3,593 |
| Efficiency ratio | 43.6047% | 5,988 |
| Assets per employee ($millions) | 19.1083% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 4,180 |
| Loan loss allowance to noncurrent loans | 966.6667% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 5,222 |
| Noncurrent loans to loans | 0.1112% | 5,056 |
| Net loans and leases to total assets | 87.3091% | 151 |
| Net loans and leases to deposits | 100.2554% | 654 |
| Net loans and leases to core deposits | 128.8108% | 287 |
| Total domestic deposits to total assets | 87.0867% | 2,083 |
| Equity capital to assets | 12.8374% | 1,439 |
| Core capital (leverage) ratio | 12.9328% | 1,171 |
| Tier 1 risk-based capital ratio | 14.2993% | 3,549 |
| Total risk-based capital ratio | 15.3567% | 3,572 |
| Memoranda: | ||
| Average total assets | $76,998,000 | 4,928 |
| Average earning assets | $75,859,400 | 4,812 |
| Average equity | $9,510,200 | 4,744 |
| Average total loans | $56,442,800 | 4,486 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4331% | 6,112 |
| Cost of funding earning assets | 0.7175% | 769 |
| Net interest margin | 1.7156% | 6,180 |
| Noninterest income to average assets | 0.0484% | 6,103 |
| Noninterest expense to average assets | 0.7329% | 6,238 |
| Loan and lease loss provision to assets | 0.2420% | 723 |
| Net operating income to assets | 1.2566% | 1,461 |
| Return on assets (ROA) | 1.2566% | 1,520 |
| Pretax return on assets | 0.7640% | 4,449 |
| Return on Equity (ROE) | 10.2738% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.2738% | 592 |
| Net charge-offs to loans | 0.2061% | 1,256 |
| Credit loss provision to net charge-offs | 168.6747% | 1,544 |
| Earnings coverage of net charge-offs (x) | 7.0123% | 2,965 |
| Efficiency ratio | 42.1471% | 6,085 |
| Assets per employee ($millions) | 18.8368% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 2,170 |
| Loan loss allowance to noncurrent loans | 817.8218% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 5,215 |
| Noncurrent loans to loans | 0.1831% | 4,911 |
| Net loans and leases to total assets | 72.1329% | 2,041 |
| Net loans and leases to deposits | 82.9556% | 2,534 |
| Net loans and leases to core deposits | 107.5897% | 1,000 |
| Total domestic deposits to total assets | 86.9537% | 2,067 |
| Equity capital to assets | 12.9401% | 1,478 |
| Core capital (leverage) ratio | 12.8786% | 1,242 |
| Tier 1 risk-based capital ratio | 16.6784% | 2,489 |
| Total risk-based capital ratio | 17.9299% | 2,445 |
| Memoranda: | ||
| Average total assets | $77,139,250 | 4,978 |
| Average earning assets | $76,006,000 | 4,867 |
| Average equity | $9,434,750 | 4,817 |
| Average total loans | $53,689,000 | 4,611 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6298% | 4,642 |
| Cost of funding earning assets | 0.7124% | 795 |
| Net interest margin | 2.9174% | 5,407 |
| Noninterest income to average assets | 0.0489% | 6,179 |
| Noninterest expense to average assets | 2.3181% | 4,801 |
| Loan and lease loss provision to assets | 0.3602% | 360 |
| Net operating income to assets | 1.1552% | 1,760 |
| Return on assets (ROA) | 1.1552% | 1,828 |
| Pretax return on assets | 0.2470% | 5,743 |
| Return on Equity (ROE) | 9.6252% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.6252% | 748 |
| Net charge-offs to loans | 0.3346% | 784 |
| Credit loss provision to net charge-offs | 157.3034% | 1,486 |
| Earnings coverage of net charge-offs (x) | 2.6517% | 3,307 |
| Efficiency ratio | 79.2436% | 1,874 |
| Assets per employee ($millions) | 18.9613% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 3,038 |
| Loan loss allowance to noncurrent loans | 1,012.3457% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 5,437 |
| Noncurrent loans to loans | 0.1321% | 5,218 |
| Net loans and leases to total assets | 79.7376% | 837 |
| Net loans and leases to deposits | 91.1883% | 1,460 |
| Net loans and leases to core deposits | 118.4129% | 514 |
| Total domestic deposits to total assets | 87.4428% | 1,931 |
| Equity capital to assets | 12.4847% | 1,668 |
| Core capital (leverage) ratio | 12.4285% | 1,417 |
| Tier 1 risk-based capital ratio | 14.9740% | 3,374 |
| Total risk-based capital ratio | 16.2241% | 3,308 |
| Memoranda: | ||
| Average total assets | $77,736,670 | 5,023 |
| Average earning assets | $76,643,000 | 4,901 |
| Average equity | $9,329,670 | 4,872 |
| Average total loans | $53,193,330 | 4,668 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7634% | 4,155 |
| Cost of funding earning assets | 0.7114% | 810 |
| Net interest margin | 3.0520% | 5,075 |
| Noninterest income to average assets | 0.0458% | 6,242 |
| Noninterest expense to average assets | 2.3741% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.4097% | 177 |
| Return on assets (ROA) | 2.4097% | 187 |
| Pretax return on assets | 0.6812% | 4,649 |
| Return on Equity (ROE) | 20.4752% | 251 |
| Retained earnings to average equity (ytd only) | 20.4752% | 95 |
| Net charge-offs to loans | 0.5616% | 438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.9420% | 2,845 |
| Efficiency ratio | 77.7038% | 2,231 |
| Assets per employee ($millions) | 15.3116% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5129% | 2,394 |
| Loan loss allowance to noncurrent loans | 1,093.7500% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 5,609 |
| Noncurrent loans to loans | 0.1383% | 5,280 |
| Net loans and leases to total assets | 59.5209% | 3,725 |
| Net loans and leases to deposits | 68.0505% | 3,949 |
| Net loans and leases to core deposits | 88.3666% | 2,288 |
| Total domestic deposits to total assets | 87.4657% | 2,132 |
| Equity capital to assets | 12.4037% | 1,754 |
| Core capital (leverage) ratio | 12.3374% | 1,432 |
| Tier 1 risk-based capital ratio | 18.5706% | 1,981 |
| Total risk-based capital ratio | 19.8209% | 1,934 |
| Memoranda: | ||
| Average total assets | $78,682,500 | 5,052 |
| Average earning assets | $77,589,000 | 4,932 |
| Average equity | $9,260,000 | 4,928 |
| Average total loans | $49,141,500 | 4,811 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 3,003 |
| Cost of funding earning assets | 0.7155% | 1,028 |
| Net interest margin | 3.4686% | 3,905 |
| Noninterest income to average assets | 0.0645% | 6,260 |
| Noninterest expense to average assets | 2.2239% | 5,291 |
| Loan and lease loss provision to assets | 0.1194% | 2,185 |
| Net operating income to assets | 1.1490% | 1,775 |
| Return on assets (ROA) | 1.1490% | 1,841 |
| Pretax return on assets | 1.1490% | 2,877 |
| Return on Equity (ROE) | 9.3315% | 2,423 |
| Retained earnings to average equity (ytd only) | -18.7987% | 6,417 |
| Net charge-offs to loans | 0.3487% | 1,260 |
| Credit loss provision to net charge-offs | 50.5051% | 3,469 |
| Earnings coverage of net charge-offs (x) | 5.3636% | 3,439 |
| Efficiency ratio | 63.6799% | 4,633 |
| Assets per employee ($millions) | 16.1614% | 71 |
| Cash dividends to net income (ytd only)* | 301.4553% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 2,569 |
| Loan loss allowance to noncurrent loans | 883.9080% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 5,609 |
| Noncurrent loans to loans | 0.1673% | 5,230 |
| Net loans and leases to total assets | 63.4178% | 3,299 |
| Net loans and leases to deposits | 71.4429% | 3,743 |
| Net loans and leases to core deposits | 88.7746% | 2,409 |
| Total domestic deposits to total assets | 88.7671% | 1,376 |
| Equity capital to assets | 11.1673% | 2,731 |
| Core capital (leverage) ratio | 11.1189% | 2,293 |
| Tier 1 risk-based capital ratio | 16.0469% | 2,935 |
| Total risk-based capital ratio | 17.2983% | 2,876 |
| Memoranda: | ||
| Average total assets | $83,726,400 | 4,964 |
| Average earning assets | $82,741,400 | 4,830 |
| Average equity | $10,309,200 | 4,690 |
| Average total loans | $56,774,200 | 4,589 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 2,861 |
| Cost of funding earning assets | 0.7072% | 1,117 |
| Net interest margin | 3.5282% | 3,723 |
| Noninterest income to average assets | 0.0647% | 6,343 |
| Noninterest expense to average assets | 2.1565% | 5,445 |
| Loan and lease loss provision to assets | 0.1579% | 1,578 |
| Net operating income to assets | 1.2393% | 1,555 |
| Return on assets (ROA) | 1.2393% | 1,612 |
| Pretax return on assets | 1.2393% | 2,618 |
| Return on Equity (ROE) | 9.8456% | 2,294 |
| Retained earnings to average equity (ytd only) | -26.5268% | 6,519 |
| Net charge-offs to loans | 0.3496% | 1,153 |
| Credit loss provision to net charge-offs | 65.7895% | 2,838 |
| Earnings coverage of net charge-offs (x) | 5.8224% | 3,190 |
| Efficiency ratio | 60.6841% | 5,092 |
| Assets per employee ($millions) | 20.3160% | 46 |
| Cash dividends to net income (ytd only)* | 369.4269% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 3,214 |
| Loan loss allowance to noncurrent loans | 947.6744% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 5,742 |
| Noncurrent loans to loans | 0.1469% | 5,476 |
| Net loans and leases to total assets | 71.0167% | 2,021 |
| Net loans and leases to deposits | 79.7609% | 2,725 |
| Net loans and leases to core deposits | 98.1430% | 1,517 |
| Total domestic deposits to total assets | 89.0370% | 1,217 |
| Equity capital to assets | 10.8880% | 3,078 |
| Core capital (leverage) ratio | 10.8122% | 2,682 |
| Tier 1 risk-based capital ratio | 14.3823% | 3,960 |
| Total risk-based capital ratio | 15.6340% | 3,897 |
| Memoranda: | ||
| Average total assets | $84,456,250 | 5,010 |
| Average earning assets | $83,515,250 | 4,853 |
| Average equity | $10,630,500 | 4,663 |
| Average total loans | $57,964,000 | 4,593 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1213% | 3,261 |
| Cost of funding earning assets | 0.6960% | 1,209 |
| Net interest margin | 3.4254% | 4,080 |
| Noninterest income to average assets | 0.0631% | 6,401 |
| Noninterest expense to average assets | 2.0276% | 5,780 |
| Loan and lease loss provision to assets | 0.2339% | 971 |
| Net operating income to assets | 1.1857% | 1,634 |
| Return on assets (ROA) | 1.1857% | 1,709 |
| Pretax return on assets | 1.1857% | 2,732 |
| Return on Equity (ROE) | 9.0337% | 2,577 |
| Retained earnings to average equity (ytd only) | 9.0337% | 976 |
| Net charge-offs to loans | 0.2804% | 1,416 |
| Credit loss provision to net charge-offs | 123.4568% | 1,686 |
| Earnings coverage of net charge-offs (x) | 7.4938% | 2,617 |
| Efficiency ratio | 58.8195% | 5,460 |
| Assets per employee ($millions) | 16.6688% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 3,494 |
| Loan loss allowance to noncurrent loans | 1,808.1633% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 6,002 |
| Noncurrent loans to loans | 0.0757% | 5,797 |
| Net loans and leases to total assets | 76.6318% | 1,093 |
| Net loans and leases to deposits | 88.9328% | 1,485 |
| Net loans and leases to core deposits | 109.6183% | 709 |
| Total domestic deposits to total assets | 86.1682% | 2,958 |
| Equity capital to assets | 13.7658% | 1,062 |
| Core capital (leverage) ratio | 13.7990% | 884 |
| Tier 1 risk-based capital ratio | 17.1501% | 2,554 |
| Total risk-based capital ratio | 18.4011% | 2,523 |
| Memoranda: | ||
| Average total assets | $85,520,330 | 5,032 |
| Average earning assets | $84,487,670 | 4,858 |
| Average equity | $11,224,670 | 4,549 |
| Average total loans | $57,776,670 | 4,622 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 3,509 |
| Cost of funding earning assets | 0.6918% | 1,297 |
| Net interest margin | 3.3514% | 4,332 |
| Noninterest income to average assets | 0.0554% | 6,471 |
| Noninterest expense to average assets | 2.0414% | 5,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3255% | 1,150 |
| Return on assets (ROA) | 1.3255% | 1,196 |
| Pretax return on assets | 1.3255% | 2,005 |
| Return on Equity (ROE) | 10.3419% | 1,923 |
| Retained earnings to average equity (ytd only) | 10.3419% | 888 |
| Net charge-offs to loans | 0.4421% | 823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.7833% | 2,474 |
| Efficiency ratio | 60.6310% | 5,315 |
| Assets per employee ($millions) | 16.5024% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 2,747 |
| Loan loss allowance to noncurrent loans | 1,717.0213% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 6,105 |
| Noncurrent loans to loans | 0.0927% | 5,848 |
| Net loans and leases to total assets | 60.4930% | 3,475 |
| Net loans and leases to deposits | 70.0970% | 3,592 |
| Net loans and leases to core deposits | 86.5721% | 2,257 |
| Total domestic deposits to total assets | 86.2990% | 3,211 |
| Equity capital to assets | 13.6332% | 1,063 |
| Core capital (leverage) ratio | 13.0313% | 1,150 |
| Tier 1 risk-based capital ratio | 20.3657% | 1,627 |
| Total risk-based capital ratio | 21.6192% | 1,595 |
| Memoranda: | ||
| Average total assets | $86,608,500 | 5,054 |
| Average earning assets | $85,575,500 | 4,880 |
| Average equity | $11,100,500 | 4,590 |
| Average total loans | $54,288,000 | 4,783 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 1,243 |
| Cost of funding earning assets | 0.6481% | 2,215 |
| Net interest margin | 4.1870% | 1,395 |
| Noninterest income to average assets | 0.0585% | 6,525 |
| Noninterest expense to average assets | 2.1800% | 5,682 |
| Loan and lease loss provision to assets | 0.3152% | 1,054 |
| Net operating income to assets | 1.7101% | 573 |
| Return on assets (ROA) | 1.7101% | 587 |
| Pretax return on assets | 1.7101% | 929 |
| Return on Equity (ROE) | 14.4840% | 852 |
| Retained earnings to average equity (ytd only) | 14.4840% | 185 |
| Net charge-offs to loans | 0.2272% | 2,643 |
| Credit loss provision to net charge-offs | 192.3077% | 1,186 |
| Earnings coverage of net charge-offs (x) | 12.3566% | 2,129 |
| Efficiency ratio | 51.8397% | 6,307 |
| Assets per employee ($millions) | 22.6763% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 3,203 |
| Loan loss allowance to noncurrent loans | 6,192.8571% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 6,368 |
| Noncurrent loans to loans | 0.0242% | 6,188 |
| Net loans and leases to total assets | 62.8278% | 3,230 |
| Net loans and leases to deposits | 71.5220% | 3,584 |
| Net loans and leases to core deposits | 86.8296% | 2,368 |
| Total domestic deposits to total assets | 87.8441% | 2,273 |
| Equity capital to assets | 12.0743% | 1,754 |
| Core capital (leverage) ratio | 12.1612% | 1,515 |
| Tier 1 risk-based capital ratio | 17.5560% | 2,387 |
| Total risk-based capital ratio | 18.8077% | 2,365 |
| Memoranda: | ||
| Average total assets | $87,246,200 | 5,045 |
| Average earning assets | $86,410,800 | 4,868 |
| Average equity | $10,301,000 | 4,785 |
| Average total loans | $62,942,200 | 4,515 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9738% | 989 |
| Cost of funding earning assets | 0.6492% | 2,364 |
| Net interest margin | 4.3247% | 1,037 |
| Noninterest income to average assets | 0.0556% | 6,619 |
| Noninterest expense to average assets | 2.1794% | 5,651 |
| Loan and lease loss provision to assets | 0.3550% | 895 |
| Net operating income to assets | 1.8090% | 515 |
| Return on assets (ROA) | 1.8090% | 536 |
| Pretax return on assets | 1.8090% | 884 |
| Return on Equity (ROE) | 15.4132% | 727 |
| Retained earnings to average equity (ytd only) | 15.4132% | 180 |
| Net charge-offs to loans | 0.1703% | 2,857 |
| Credit loss provision to net charge-offs | 280.4878% | 908 |
| Earnings coverage of net charge-offs (x) | 17.0977% | 1,755 |
| Efficiency ratio | 50.1777% | 6,388 |
| Assets per employee ($millions) | 22.5925% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 4,031 |
| Loan loss allowance to noncurrent loans | 4,415.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 6,421 |
| Noncurrent loans to loans | 0.0310% | 6,251 |
| Net loans and leases to total assets | 70.4116% | 1,893 |
| Net loans and leases to deposits | 79.8682% | 2,431 |
| Net loans and leases to core deposits | 91.6873% | 1,793 |
| Total domestic deposits to total assets | 88.1598% | 2,025 |
| Equity capital to assets | 11.7760% | 2,062 |
| Core capital (leverage) ratio | 11.5826% | 1,973 |
| Tier 1 risk-based capital ratio | 15.7131% | 3,344 |
| Total risk-based capital ratio | 16.9633% | 3,296 |
| Memoranda: | ||
| Average total assets | $86,381,500 | 5,113 |
| Average earning assets | $85,646,000 | 4,936 |
| Average equity | $10,138,250 | 4,861 |
| Average total loans | $64,214,000 | 4,522 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 948 |
| Cost of funding earning assets | 0.6043% | 2,900 |
| Net interest margin | 4.3699% | 899 |
| Noninterest income to average assets | 0.0517% | 6,666 |
| Noninterest expense to average assets | 2.2410% | 5,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.1469% | 284 |
| Return on assets (ROA) | 2.1469% | 298 |
| Pretax return on assets | 2.1469% | 459 |
| Return on Equity (ROE) | 18.3143% | 437 |
| Retained earnings to average equity (ytd only) | 18.3143% | 118 |
| Net charge-offs to loans | 0.2184% | 2,441 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 13.0429% | 1,930 |
| Efficiency ratio | 51.0718% | 6,350 |
| Assets per employee ($millions) | 30.4167% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 5,200 |
| Loan loss allowance to noncurrent loans | 5,541.6667% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 6,512 |
| Noncurrent loans to loans | 0.0209% | 6,354 |
| Net loans and leases to total assets | 62.2016% | 3,252 |
| Net loans and leases to deposits | 70.2350% | 3,688 |
| Net loans and leases to core deposits | 78.7969% | 3,190 |
| Total domestic deposits to total assets | 88.5622% | 1,880 |
| Equity capital to assets | 11.3841% | 2,394 |
| Core capital (leverage) ratio | 12.5742% | 1,330 |
| Tier 1 risk-based capital ratio | 16.2068% | 3,082 |
| Total risk-based capital ratio | 17.2470% | 3,137 |
| Memoranda: | ||
| Average total assets | $85,052,000 | 5,189 |
| Average earning assets | $84,396,000 | 5,000 |
| Average equity | $9,970,330 | 4,946 |
| Average total loans | $64,114,000 | 4,533 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3906% | 434 |
| Cost of funding earning assets | 0.6099% | 3,016 |
| Net interest margin | 4.7807% | 416 |
| Noninterest income to average assets | 0.0488% | 6,737 |
| Noninterest expense to average assets | 2.3379% | 5,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.4551% | 166 |
| Return on assets (ROA) | 2.4551% | 179 |
| Pretax return on assets | 2.4551% | 285 |
| Return on Equity (ROE) | 20.6116% | 255 |
| Retained earnings to average equity (ytd only) | 20.6116% | 118 |
| Net charge-offs to loans | 0.1720% | 2,369 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 17.3448% | 1,323 |
| Efficiency ratio | 48.7780% | 6,576 |
| Assets per employee ($millions) | 19.9398% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 5,618 |
| Loan loss allowance to noncurrent loans | 1,260.7143% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 6,393 |
| Noncurrent loans to loans | 0.0871% | 6,219 |
| Net loans and leases to total assets | 79.7515% | 447 |
| Net loans and leases to deposits | 91.2533% | 868 |
| Net loans and leases to core deposits | 94.6056% | 1,298 |
| Total domestic deposits to total assets | 87.3958% | 2,694 |
| Equity capital to assets | 12.5541% | 1,680 |
| Core capital (leverage) ratio | 12.4274% | 1,371 |
| Tier 1 risk-based capital ratio | 14.8600% | 3,932 |
| Total risk-based capital ratio | 15.9143% | 4,022 |
| Memoranda: | ||
| Average total assets | $81,953,000 | 5,321 |
| Average earning assets | $81,326,500 | 5,108 |
| Average equity | $9,761,500 | 5,050 |
| Average total loans | $67,459,000 | 4,441 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 5,959 |
| Cost of funding earning assets | 0.6959% | 3,520 |
| Net interest margin | 3.0483% | 5,933 |
| Noninterest income to average assets | 0.0118% | 6,795 |
| Noninterest expense to average assets | 1.6031% | 6,805 |
| Loan and lease loss provision to assets | 0.3531% | 1,893 |
| Net operating income to assets | 1.0769% | 2,021 |
| Return on assets (ROA) | 1.0769% | 2,213 |
| Pretax return on assets | 1.0769% | 3,248 |
| Return on Equity (ROE) | 10.1007% | 2,131 |
| Retained earnings to average equity (ytd only) | 10.1007% | 583 |
| Net charge-offs to loans | 0.4628% | 2,385 |
| Credit loss provision to net charge-offs | 135.7466% | 2,046 |
| Earnings coverage of net charge-offs (x) | 5.4977% | 3,019 |
| Efficiency ratio | 52.8522% | 6,386 |
| Assets per employee ($millions) | 21.0368% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 5,809 |
| Loan loss allowance to noncurrent loans | 3,868.4211% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 6,607 |
| Noncurrent loans to loans | 0.0269% | 6,455 |
| Net loans and leases to total assets | 83.0309% | 265 |
| Net loans and leases to deposits | 93.6732% | 769 |
| Net loans and leases to core deposits | 98.7171% | 1,094 |
| Total domestic deposits to total assets | 88.6389% | 1,813 |
| Equity capital to assets | 11.3017% | 2,631 |
| Core capital (leverage) ratio | 10.8017% | 2,441 |
| Tier 1 risk-based capital ratio | 12.9563% | 5,138 |
| Total risk-based capital ratio | 13.9642% | 5,255 |
| Memoranda: | ||
| Average total assets | $84,962,200 | 5,222 |
| Average earning assets | $84,211,800 | 5,009 |
| Average equity | $9,058,800 | 5,206 |
| Average total loans | $47,751,200 | 5,187 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5088% | 6,505 |
| Cost of funding earning assets | 0.6983% | 3,782 |
| Net interest margin | 2.8105% | 6,485 |
| Noninterest income to average assets | -0.0078% | 6,958 |
| Noninterest expense to average assets | 1.5076% | 6,934 |
| Loan and lease loss provision to assets | 0.1174% | 4,081 |
| Net operating income to assets | 1.1522% | 1,896 |
| Return on assets (ROA) | 1.1522% | 2,092 |
| Pretax return on assets | 1.1522% | 3,151 |
| Return on Equity (ROE) | 10.9693% | 1,971 |
| Retained earnings to average equity (ytd only) | 10.9693% | 689 |
| Net charge-offs to loans | 0.6248% | 1,761 |
| Credit loss provision to net charge-offs | 38.0711% | 4,653 |
| Earnings coverage of net charge-offs (x) | 4.1168% | 3,399 |
| Efficiency ratio | 54.2841% | 6,222 |
| Assets per employee ($millions) | 22.1385% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 5,867 |
| Loan loss allowance to noncurrent loans | 157.5221% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 5,746 |
| Noncurrent loans to loans | 0.6703% | 5,105 |
| Net loans and leases to total assets | 56.5068% | 4,372 |
| Net loans and leases to deposits | 63.2085% | 4,812 |
| Net loans and leases to core deposits | 69.9064% | 4,507 |
| Total domestic deposits to total assets | 89.3974% | 1,192 |
| Equity capital to assets | 10.5213% | 3,818 |
| Core capital (leverage) ratio | 10.5620% | 2,849 |
| Tier 1 risk-based capital ratio | 16.0638% | 3,234 |
| Total risk-based capital ratio | 16.9893% | 3,371 |
| Memoranda: | ||
| Average total assets | $85,166,000 | 5,270 |
| Average earning assets | $84,394,250 | 5,062 |
| Average equity | $8,946,000 | 5,282 |
| Average total loans | $42,038,250 | 5,485 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 6,526 |
| Cost of funding earning assets | 0.7040% | 3,983 |
| Net interest margin | 2.8594% | 6,480 |
| Noninterest income to average assets | 0.0714% | 6,790 |
| Noninterest expense to average assets | 1.5374% | 6,983 |
| Loan and lease loss provision to assets | 0.1785% | 3,311 |
| Net operating income to assets | 1.1876% | 1,758 |
| Return on assets (ROA) | 1.1876% | 1,955 |
| Pretax return on assets | 1.1876% | 2,981 |
| Return on Equity (ROE) | 11.3122% | 1,875 |
| Retained earnings to average equity (ytd only) | 11.3122% | 689 |
| Net charge-offs to loans | 0.7450% | 1,481 |
| Credit loss provision to net charge-offs | 51.3699% | 4,004 |
| Earnings coverage of net charge-offs (x) | 3.9315% | 3,229 |
| Efficiency ratio | 52.9508% | 6,425 |
| Assets per employee ($millions) | 22.4823% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 3,251 |
| Loan loss allowance to noncurrent loans | 164.7887% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 5,629 |
| Noncurrent loans to loans | 1.0272% | 4,458 |
| Net loans and leases to total assets | 37.7809% | 6,497 |
| Net loans and leases to deposits | 42.0464% | 6,645 |
| Net loans and leases to core deposits | 46.4642% | 6,553 |
| Total domestic deposits to total assets | 89.8553% | 1,011 |
| Equity capital to assets | 10.0824% | 4,217 |
| Core capital (leverage) ratio | 10.0621% | 3,338 |
| Tier 1 risk-based capital ratio | 20.0769% | 1,688 |
| Total risk-based capital ratio | 21.3285% | 1,655 |
| Memoranda: | ||
| Average total assets | $84,036,670 | 5,326 |
| Average earning assets | $83,233,000 | 5,121 |
| Average equity | $8,822,330 | 5,313 |
| Average total loans | $39,193,330 | 5,640 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 5,789 |
| Cost of funding earning assets | 0.7127% | 4,174 |
| Net interest margin | 3.2792% | 5,534 |
| Noninterest income to average assets | 0.0789% | 6,831 |
| Noninterest expense to average assets | 1.6229% | 6,956 |
| Loan and lease loss provision to assets | 0.3700% | 1,706 |
| Net operating income to assets | 1.3318% | 1,372 |
| Return on assets (ROA) | 1.3318% | 1,532 |
| Pretax return on assets | 1.3318% | 2,421 |
| Return on Equity (ROE) | 12.4138% | 1,550 |
| Retained earnings to average equity (ytd only) | 12.4138% | 764 |
| Net charge-offs to loans | 1.0118% | 1,024 |
| Credit loss provision to net charge-offs | 71.4286% | 2,876 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 2,894 |
| Efficiency ratio | 48.8131% | 6,747 |
| Assets per employee ($millions) | 22.4943% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 3,702 |
| Loan loss allowance to noncurrent loans | 166.7553% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 5,653 |
| Noncurrent loans to loans | 0.9622% | 4,750 |
| Net loans and leases to total assets | 42.7354% | 6,120 |
| Net loans and leases to deposits | 47.4230% | 6,328 |
| Net loans and leases to core deposits | 54.2250% | 6,041 |
| Total domestic deposits to total assets | 90.1153% | 1,019 |
| Equity capital to assets | 9.8225% | 4,341 |
| Core capital (leverage) ratio | 10.3222% | 2,966 |
| Tier 1 risk-based capital ratio | 18.0508% | 2,272 |
| Total risk-based capital ratio | 19.3016% | 2,240 |
| Memoranda: | ||
| Average total assets | $81,090,500 | 5,440 |
| Average earning assets | $80,263,500 | 5,238 |
| Average equity | $8,700,000 | 5,363 |
| Average total loans | $41,509,500 | 5,568 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 6,182 |
| Cost of funding earning assets | 0.8325% | 4,611 |
| Net interest margin | 3.3198% | 5,754 |
| Noninterest income to average assets | 0.1116% | 6,592 |
| Noninterest expense to average assets | 1.6052% | 7,117 |
| Loan and lease loss provision to assets | 0.1931% | 4,252 |
| Net operating income to assets | 1.5881% | 682 |
| Return on assets (ROA) | 1.5881% | 745 |
| Pretax return on assets | 1.5881% | 1,233 |
| Return on Equity (ROE) | 13.7991% | 977 |
| Retained earnings to average equity (ytd only) | 13.7991% | 182 |
| Net charge-offs to loans | 0.3936% | 3,447 |
| Credit loss provision to net charge-offs | 91.2162% | 3,955 |
| Earnings coverage of net charge-offs (x) | 8.4122% | 2,153 |
| Efficiency ratio | 47.4018% | 6,971 |
| Assets per employee ($millions) | 18.0510% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 4,057 |
| Loan loss allowance to noncurrent loans | 126.6409% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 4,904 |
| Noncurrent loans to loans | 1.1789% | 4,404 |
| Net loans and leases to total assets | 59.9468% | 3,999 |
| Net loans and leases to deposits | 68.0534% | 4,446 |
| Net loans and leases to core deposits | 81.7713% | 3,213 |
| Total domestic deposits to total assets | 88.0879% | 2,099 |
| Equity capital to assets | 11.8581% | 2,229 |
| Core capital (leverage) ratio | 12.0278% | 1,575 |
| Tier 1 risk-based capital ratio | 17.3622% | 2,431 |
| Total risk-based capital ratio | 18.6135% | 2,402 |
| Memoranda: | ||
| Average total assets | $69,896,200 | 5,742 |
| Average earning assets | $68,950,600 | 5,577 |
| Average equity | $8,044,000 | 5,559 |
| Average total loans | $37,599,600 | 5,806 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1718% | 6,271 |
| Cost of funding earning assets | 0.8484% | 4,785 |
| Net interest margin | 3.3234% | 5,790 |
| Noninterest income to average assets | 0.1192% | 6,665 |
| Noninterest expense to average assets | 1.5772% | 7,184 |
| Loan and lease loss provision to assets | 0.0192% | 6,198 |
| Net operating income to assets | 1.8003% | 519 |
| Return on assets (ROA) | 1.8003% | 564 |
| Pretax return on assets | 1.8003% | 955 |
| Return on Equity (ROE) | 15.7681% | 711 |
| Retained earnings to average equity (ytd only) | 15.7681% | 190 |
| Net charge-offs to loans | 0.4591% | 2,896 |
| Credit loss provision to net charge-offs | 8.0645% | 5,679 |
| Earnings coverage of net charge-offs (x) | 7.6290% | 2,329 |
| Efficiency ratio | 46.4326% | 7,034 |
| Assets per employee ($millions) | 17.2065% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 4,288 |
| Loan loss allowance to noncurrent loans | 99.6409% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 1.0040% | 4,746 |
| Noncurrent loans to loans | 1.4655% | 4,100 |
| Net loans and leases to total assets | 54.4169% | 5,103 |
| Net loans and leases to deposits | 62.0391% | 5,395 |
| Net loans and leases to core deposits | 98.4569% | 1,392 |
| Total domestic deposits to total assets | 87.7139% | 2,224 |
| Equity capital to assets | 12.1974% | 2,105 |
| Core capital (leverage) ratio | 13.1198% | 1,182 |
| Tier 1 risk-based capital ratio | 19.1124% | 1,894 |
| Total risk-based capital ratio | 20.3631% | 1,871 |
| Memoranda: | ||
| Average total assets | $69,319,250 | 5,802 |
| Average earning assets | $68,362,000 | 5,639 |
| Average equity | $7,914,500 | 5,627 |
| Average total loans | $36,014,500 | 5,920 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9978% | 6,663 |
| Cost of funding earning assets | 0.8527% | 5,043 |
| Net interest margin | 3.1451% | 6,291 |
| Noninterest income to average assets | 0.0921% | 6,864 |
| Noninterest expense to average assets | 1.4277% | 7,344 |
| Loan and lease loss provision to assets | 0.0288% | 5,945 |
| Net operating income to assets | 1.7357% | 558 |
| Return on assets (ROA) | 1.7357% | 602 |
| Pretax return on assets | 1.7357% | 982 |
| Return on Equity (ROE) | 15.5526% | 712 |
| Retained earnings to average equity (ytd only) | 15.5526% | 220 |
| Net charge-offs to loans | 0.6337% | 2,251 |
| Credit loss provision to net charge-offs | 8.9286% | 5,260 |
| Earnings coverage of net charge-offs (x) | 5.4732% | 2,608 |
| Efficiency ratio | 44.7250% | 7,207 |
| Assets per employee ($millions) | 17.4355% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 4,786 |
| Loan loss allowance to noncurrent loans | 1,417.5000% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 6,289 |
| Noncurrent loans to loans | 0.0958% | 6,736 |
| Net loans and leases to total assets | 59.0390% | 4,463 |
| Net loans and leases to deposits | 66.9055% | 4,867 |
| Net loans and leases to core deposits | 105.9437% | 935 |
| Total domestic deposits to total assets | 88.2424% | 1,994 |
| Equity capital to assets | 11.5468% | 2,459 |
| Core capital (leverage) ratio | 11.0452% | 2,207 |
| Tier 1 risk-based capital ratio | 17.4380% | 2,360 |
| Total risk-based capital ratio | 18.6699% | 2,337 |
| Memoranda: | ||
| Average total assets | $69,483,670 | 5,840 |
| Average earning assets | $68,488,000 | 5,681 |
| Average equity | $7,754,330 | 5,683 |
| Average total loans | $35,350,000 | 6,003 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0280% | 6,640 |
| Cost of funding earning assets | 0.7787% | 5,681 |
| Net interest margin | 3.2493% | 5,925 |
| Noninterest income to average assets | 0.0923% | 6,960 |
| Noninterest expense to average assets | 1.4130% | 7,411 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8802% | 422 |
| Return on assets (ROA) | 1.8802% | 444 |
| Pretax return on assets | 1.8802% | 706 |
| Return on Equity (ROE) | 17.1466% | 548 |
| Retained earnings to average equity (ytd only) | 17.1466% | 269 |
| Net charge-offs to loans | 0.9455% | 1,415 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.2895% | 2,520 |
| Efficiency ratio | 42.9072% | 7,323 |
| Assets per employee ($millions) | 18.1160% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9662% | 2,499 |
| Loan loss allowance to noncurrent loans | 1,744.1176% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 6,311 |
| Noncurrent loans to loans | 0.1127% | 6,768 |
| Net loans and leases to total assets | 40.8023% | 6,717 |
| Net loans and leases to deposits | 45.7708% | 6,866 |
| Net loans and leases to core deposits | 78.4229% | 3,963 |
| Total domestic deposits to total assets | 89.1450% | 1,679 |
| Equity capital to assets | 10.7295% | 2,954 |
| Core capital (leverage) ratio | 11.5220% | 1,834 |
| Tier 1 risk-based capital ratio | 21.9618% | 1,235 |
| Total risk-based capital ratio | 23.2173% | 1,206 |
| Memoranda: | ||
| Average total assets | $69,354,500 | 5,883 |
| Average earning assets | $68,322,500 | 5,726 |
| Average equity | $7,605,000 | 5,741 |
| Average total loans | $32,154,000 | 6,235 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 7,170 |
| Cost of funding earning assets | 0.9058% | 6,154 |
| Net interest margin | 3.0308% | 6,679 |
| Noninterest income to average assets | 0.2141% | 6,280 |
| Noninterest expense to average assets | 1.3029% | 7,516 |
| Loan and lease loss provision to assets | 0.1911% | 5,315 |
| Net operating income to assets | 1.6928% | 527 |
| Return on assets (ROA) | 1.6928% | 566 |
| Pretax return on assets | 1.6928% | 959 |
| Return on Equity (ROE) | 16.0868% | 574 |
| Retained earnings to average equity (ytd only) | 16.0868% | 97 |
| Net charge-offs to loans | 0.1070% | 5,805 |
| Credit loss provision to net charge-offs | 390.6250% | 633 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 604 |
| Efficiency ratio | 40.8829% | 7,492 |
| Assets per employee ($millions) | 16.5613% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9591% | 2,405 |
| Loan loss allowance to noncurrent loans | 1,393.7500% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 6,240 |
| Noncurrent loans to loans | 0.1406% | 6,790 |
| Net loans and leases to total assets | 50.5382% | 6,112 |
| Net loans and leases to deposits | 57.0399% | 6,347 |
| Net loans and leases to core deposits | 99.8152% | 1,635 |
| Total domestic deposits to total assets | 88.6014% | 1,893 |
| Equity capital to assets | 11.2235% | 2,474 |
| Core capital (leverage) ratio | 11.7756% | 1,687 |
| Tier 1 risk-based capital ratio | 20.2565% | 1,440 |
| Total risk-based capital ratio | 21.5145% | 1,418 |
| Memoranda: | ||
| Average total assets | $65,394,400 | 6,019 |
| Average earning assets | $64,140,600 | 5,854 |
| Average equity | $6,881,400 | 6,077 |
| Average total loans | $29,914,600 | 6,402 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 7,205 |
| Cost of funding earning assets | 0.9558% | 6,145 |
| Net interest margin | 3.1388% | 6,513 |
| Noninterest income to average assets | 0.2475% | 6,124 |
| Noninterest expense to average assets | 1.3378% | 7,621 |
| Loan and lease loss provision to assets | 0.2557% | 4,539 |
| Net operating income to assets | 1.7305% | 586 |
| Return on assets (ROA) | 1.7305% | 637 |
| Pretax return on assets | 1.7305% | 1,052 |
| Return on Equity (ROE) | 16.7280% | 622 |
| Retained earnings to average equity (ytd only) | 16.7280% | 148 |
| Net charge-offs to loans | 0.4482% | 3,513 |
| Credit loss provision to net charge-offs | 128.8660% | 3,153 |
| Earnings coverage of net charge-offs (x) | 10.0103% | 1,928 |
| Efficiency ratio | 40.2462% | 7,578 |
| Assets per employee ($millions) | 15.8215% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5468% | 1,276 |
| Loan loss allowance to noncurrent loans | 1,059.6491% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 6,318 |
| Noncurrent loans to loans | 0.2403% | 6,692 |
| Net loans and leases to total assets | 36.5199% | 7,242 |
| Net loans and leases to deposits | 41.3305% | 7,328 |
| Net loans and leases to core deposits | 70.5344% | 5,696 |
| Total domestic deposits to total assets | 88.3608% | 1,757 |
| Equity capital to assets | 11.3690% | 2,633 |
| Core capital (leverage) ratio | 11.1929% | 2,135 |
| Tier 1 risk-based capital ratio | 26.1072% | 766 |
| Total risk-based capital ratio | 27.3685% | 752 |
| Memoranda: | ||
| Average total assets | $65,181,750 | 6,093 |
| Average earning assets | $63,886,000 | 5,923 |
| Average equity | $6,743,000 | 6,202 |
| Average total loans | $28,856,250 | 6,539 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 7,140 |
| Cost of funding earning assets | 0.9993% | 6,145 |
| Net interest margin | 3.2276% | 6,227 |
| Noninterest income to average assets | 0.3221% | 5,584 |
| Noninterest expense to average assets | 1.3432% | 7,689 |
| Loan and lease loss provision to assets | 0.3799% | 3,434 |
| Net operating income to assets | 1.7595% | 519 |
| Return on assets (ROA) | 1.7595% | 569 |
| Pretax return on assets | 1.7595% | 949 |
| Return on Equity (ROE) | 17.5659% | 511 |
| Retained earnings to average equity (ytd only) | 17.5659% | 138 |
| Net charge-offs to loans | 0.7720% | 2,319 |
| Credit loss provision to net charge-offs | 105.9322% | 3,847 |
| Earnings coverage of net charge-offs (x) | 5.9661% | 2,558 |
| Efficiency ratio | 38.5689% | 7,665 |
| Assets per employee ($millions) | 16.2038% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2248% | 1,712 |
| Loan loss allowance to noncurrent loans | 988.1356% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 6,363 |
| Noncurrent loans to loans | 0.2251% | 6,794 |
| Net loans and leases to total assets | 39.5310% | 7,194 |
| Net loans and leases to deposits | 44.3057% | 7,310 |
| Net loans and leases to core deposits | 73.5672% | 5,493 |
| Total domestic deposits to total assets | 89.2232% | 1,318 |
| Equity capital to assets | 10.6457% | 3,222 |
| Core capital (leverage) ratio | 10.6289% | 2,519 |
| Tier 1 risk-based capital ratio | 20.2004% | 1,482 |
| Total risk-based capital ratio | 21.4570% | 1,448 |
| Memoranda: | ||
| Average total assets | $65,813,670 | 6,112 |
| Average earning assets | $64,443,670 | 5,948 |
| Average equity | $6,592,330 | 6,271 |
| Average total loans | $30,569,670 | 6,494 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 7,152 |
| Cost of funding earning assets | 1.0239% | 6,260 |
| Net interest margin | 3.2629% | 6,087 |
| Noninterest income to average assets | 0.0422% | 7,503 |
| Noninterest expense to average assets | 1.1039% | 7,856 |
| Loan and lease loss provision to assets | 0.7540% | 1,687 |
| Net operating income to assets | 1.3753% | 1,130 |
| Return on assets (ROA) | 1.3753% | 1,206 |
| Pretax return on assets | 1.3753% | 1,844 |
| Return on Equity (ROE) | 14.1648% | 1,023 |
| Retained earnings to average equity (ytd only) | 14.1648% | 489 |
| Net charge-offs to loans | 1.2946% | 1,321 |
| Credit loss provision to net charge-offs | 117.9245% | 2,961 |
| Earnings coverage of net charge-offs (x) | 3.3302% | 2,942 |
| Efficiency ratio | 34.1418% | 7,812 |
| Assets per employee ($millions) | 16.2083% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 2,356 |
| Loan loss allowance to noncurrent loans | 260.9649% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 6,169 |
| Noncurrent loans to loans | 0.7403% | 5,841 |
| Net loans and leases to total assets | 46.5858% | 6,782 |
| Net loans and leases to deposits | 51.8934% | 7,051 |
| Net loans and leases to core deposits | 71.5016% | 5,768 |
| Total domestic deposits to total assets | 89.7722% | 1,100 |
| Equity capital to assets | 10.0952% | 3,752 |
| Core capital (leverage) ratio | 9.8925% | 3,294 |
| Tier 1 risk-based capital ratio | 17.3026% | 2,149 |
| Total risk-based capital ratio | 18.5558% | 2,107 |
| Memoranda: | ||
| Average total assets | $66,313,000 | 6,159 |
| Average earning assets | $64,850,000 | 6,006 |
| Average equity | $6,438,500 | 6,370 |
| Average total loans | $32,752,000 | 6,472 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 5,125 |
| Cost of funding earning assets | 1.1761% | 6,748 |
| Net interest margin | 4.1342% | 2,301 |
| Noninterest income to average assets | 0.1099% | 7,214 |
| Noninterest expense to average assets | 1.1903% | 7,912 |
| Loan and lease loss provision to assets | 1.8511% | 1,216 |
| Net operating income to assets | 1.1237% | 1,452 |
| Return on assets (ROA) | 1.1237% | 1,489 |
| Pretax return on assets | 1.1237% | 2,178 |
| Return on Equity (ROE) | 10.5153% | 1,545 |
| Retained earnings to average equity (ytd only) | -6.6208% | 6,207 |
| Net charge-offs to loans | 3.4556% | 566 |
| Credit loss provision to net charge-offs | 95.9448% | 5,781 |
| Earnings coverage of net charge-offs (x) | 1.5418% | 4,595 |
| Efficiency ratio | 28.5771% | 7,946 |
| Assets per employee ($millions) | 16.9483% | 94 |
| Cash dividends to net income (ytd only)* | 162.9630% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 3,047 |
| Loan loss allowance to noncurrent loans | 169.9115% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 6,043 |
| Noncurrent loans to loans | 0.9768% | 5,366 |
| Net loans and leases to total assets | 50.3444% | 6,600 |
| Net loans and leases to deposits | 55.6090% | 6,942 |
| Net loans and leases to core deposits | 106.7831% | 3,242 |
| Total domestic deposits to total assets | 90.5329% | 730 |
| Equity capital to assets | 9.3402% | 4,650 |
| Core capital (leverage) ratio | 13.0095% | 1,253 |
| Tier 1 risk-based capital ratio | 15.2072% | 2,839 |
| Total risk-based capital ratio | 16.4592% | 2,799 |
| Memoranda: | ||
| Average total assets | $60,071,000 | 6,349 |
| Average earning assets | $58,922,800 | 6,170 |
| Average equity | $6,419,200 | 6,456 |
| Average total loans | $33,540,200 | 6,426 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8299% | 2,749 |
| Cost of funding earning assets | 1.3168% | 6,505 |
| Net interest margin | 4.5131% | 1,165 |
| Noninterest income to average assets | 0.1101% | 7,356 |
| Noninterest expense to average assets | 1.2269% | 7,985 |
| Loan and lease loss provision to assets | 2.0639% | 860 |
| Net operating income to assets | 1.2521% | 1,338 |
| Return on assets (ROA) | 1.2521% | 1,404 |
| Pretax return on assets | 1.2521% | 2,105 |
| Return on Equity (ROE) | 11.3023% | 1,542 |
| Retained earnings to average equity (ytd only) | -11.4679% | 6,915 |
| Net charge-offs to loans | 2.4622% | 746 |
| Credit loss provision to net charge-offs | 146.5798% | 3,310 |
| Earnings coverage of net charge-offs (x) | 2.3550% | 4,057 |
| Efficiency ratio | 27.0066% | 8,026 |
| Assets per employee ($millions) | 12.4143% | 162 |
| Cash dividends to net income (ytd only)* | 201.4657% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4087% | 459 |
| Loan loss allowance to noncurrent loans | 84.0111% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 2.2998% | 2,979 |
| Noncurrent loans to loans | 4.0574% | 1,807 |
| Net loans and leases to total assets | 51.8718% | 6,607 |
| Net loans and leases to deposits | 72.0060% | 5,655 |
| Net loans and leases to core deposits | 86.0263% | 5,865 |
| Total domestic deposits to total assets | 72.0382% | 7,205 |
| Equity capital to assets | 12.5783% | 1,896 |
| Core capital (leverage) ratio | 11.8516% | 1,866 |
| Tier 1 risk-based capital ratio | 19.9632% | 1,566 |
| Total risk-based capital ratio | 21.2345% | 1,512 |
| Memoranda: | ||
| Average total assets | $58,140,500 | 6,462 |
| Average earning assets | $57,106,750 | 6,290 |
| Average equity | $6,441,000 | 6,507 |
| Average total loans | $33,248,750 | 6,497 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8748% | 2,695 |
| Cost of funding earning assets | 1.3645% | 6,603 |
| Net interest margin | 4.5104% | 1,146 |
| Noninterest income to average assets | 0.0951% | 7,505 |
| Noninterest expense to average assets | 1.2367% | 8,076 |
| Loan and lease loss provision to assets | 0.7381% | 2,220 |
| Net operating income to assets | 2.5554% | 102 |
| Return on assets (ROA) | 2.5554% | 113 |
| Pretax return on assets | 2.5554% | 191 |
| Return on Equity (ROE) | 23.9471% | 159 |
| Retained earnings to average equity (ytd only) | -9.8678% | 6,863 |
| Net charge-offs to loans | 0.9254% | 1,859 |
| Credit loss provision to net charge-offs | 137.1951% | 3,404 |
| Earnings coverage of net charge-offs (x) | 6.1220% | 2,682 |
| Efficiency ratio | 27.2991% | 8,118 |
| Assets per employee ($millions) | 13.4525% | 128 |
| Cash dividends to net income (ytd only)* | 141.2067% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1707% | 1,287 |
| Loan loss allowance to noncurrent loans | 74.8359% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.8101% | 3,458 |
| Noncurrent loans to loans | 2.9006% | 2,485 |
| Net loans and leases to total assets | 57.2886% | 6,059 |
| Net loans and leases to deposits | 82.8460% | 4,074 |
| Net loans and leases to core deposits | 101.2481% | 4,372 |
| Total domestic deposits to total assets | 69.1507% | 7,541 |
| Equity capital to assets | 12.0312% | 2,188 |
| Core capital (leverage) ratio | 10.7079% | 2,658 |
| Tier 1 risk-based capital ratio | 17.9209% | 2,043 |
| Total risk-based capital ratio | 19.1799% | 1,973 |
| Memoranda: | ||
| Average total assets | $60,968,330 | 6,414 |
| Average earning assets | $59,950,670 | 6,225 |
| Average equity | $6,506,000 | 6,527 |
| Average total loans | $35,442,670 | 6,441 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8895% | 2,851 |
| Cost of funding earning assets | 1.4173% | 6,673 |
| Net interest margin | 4.4722% | 1,188 |
| Noninterest income to average assets | 0.0806% | 7,651 |
| Noninterest expense to average assets | 1.0907% | 8,145 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 3.3898% | 50 |
| Return on assets (ROA) | 3.3898% | 58 |
| Pretax return on assets | 3.3898% | 87 |
| Return on Equity (ROE) | 33.5480% | 69 |
| Retained earnings to average equity (ytd only) | -33.9160% | 7,899 |
| Net charge-offs to loans | 1.0265% | 1,312 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.6979% | 2,623 |
| Efficiency ratio | 24.3430% | 8,173 |
| Assets per employee ($millions) | 15.4408% | 106 |
| Cash dividends to net income (ytd only)* | 201.0969% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 3,061 |
| Loan loss allowance to noncurrent loans | 190.2527% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5456% | 5,840 |
| Noncurrent loans to loans | 0.7816% | 5,485 |
| Net loans and leases to total assets | 56.5306% | 6,162 |
| Net loans and leases to deposits | 92.0002% | 2,604 |
| Net loans and leases to core deposits | 109.6818% | 3,481 |
| Total domestic deposits to total assets | 61.4462% | 7,930 |
| Equity capital to assets | 10.1112% | 3,874 |
| Core capital (leverage) ratio | 9.5893% | 3,879 |
| Tier 1 risk-based capital ratio | 15.2107% | 2,964 |
| Total risk-based capital ratio | 16.4618% | 2,923 |
| Memoranda: | ||
| Average total assets | $64,547,500 | 6,310 |
| Average earning assets | $63,503,000 | 6,125 |
| Average equity | $6,522,000 | 6,578 |
| Average total loans | $37,408,500 | 6,358 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1686% | 4,675 |
| Cost of funding earning assets | 2.3300% | 5,011 |
| Net interest margin | 3.8386% | 3,845 |
| Noninterest income to average assets | 0.2029% | 6,997 |
| Noninterest expense to average assets | 1.2265% | 8,154 |
| Loan and lease loss provision to assets | 0.6398% | 2,274 |
| Net operating income to assets | 2.0947% | 296 |
| Return on assets (ROA) | 2.0947% | 278 |
| Pretax return on assets | 2.0947% | 489 |
| Return on Equity (ROE) | 17.6221% | 567 |
| Retained earnings to average equity (ytd only) | 2.2450% | 3,814 |
| Net charge-offs to loans | 1.3834% | 850 |
| Credit loss provision to net charge-offs | 72.9167% | 6,030 |
| Earnings coverage of net charge-offs (x) | 3.1167% | 4,533 |
| Efficiency ratio | 30.9645% | 8,228 |
| Assets per employee ($millions) | 16.8330% | 99 |
| Cash dividends to net income (ytd only)* | 87.2600% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 2,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 7,227 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 57.5536% | 6,262 |
| Net loans and leases to deposits | 94.2596% | 2,716 |
| Net loans and leases to core deposits | 116.9625% | 3,009 |
| Total domestic deposits to total assets | 61.0586% | 7,926 |
| Equity capital to assets | 10.0977% | 3,921 |
| Core capital (leverage) ratio | 10.2204% | 3,247 |
| Tier 1 risk-based capital ratio | 15.0217% | 3,034 |
| Total risk-based capital ratio | 16.2741% | 2,946 |
| Memoranda: | ||
| Average total assets | $54,708,400 | 6,592 |
| Average earning assets | $53,561,400 | 6,437 |
| Average equity | $6,503,200 | 6,639 |
| Average total loans | $34,696,400 | 6,447 |