Home > The First State Bank of Red Wing > Performance and Condition Ratios
The First State Bank of Red Wing, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 4,368 |
| Cost of funding earning assets | 1.1792% | 2,858 |
| Net interest margin | 2.3898% | 4,197 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.3068% | 2,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7084% | 3,173 |
| Return on assets (ROA) | 0.7010% | 3,164 |
| Pretax return on assets | 0.0827% | 4,290 |
| Return on Equity (ROE) | 203.0000% | 5 |
| Retained earnings to average equity (ytd only) | 149.3924% | 5 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 96.2410% | 253 |
| Assets per employee ($millions) | 6.2642% | 2,580 |
| Cash dividends to net income (ytd only)* | 26.4085% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 3,692 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 41.0100% | 4,002 |
| Net loans and leases to deposits | 43.2277% | 4,119 |
| Net loans and leases to core deposits | 44.5145% | 4,193 |
| Total domestic deposits to total assets | 94.8600% | 64 |
| Equity capital to assets | 1.2218% | 4,575 |
| Core capital (leverage) ratio | 10.2131% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8805% | 616 |
| Memoranda: | ||
| Average total assets | $81,022,600 | 4,007 |
| Average earning assets | $76,322,800 | 3,963 |
| Average equity | $279,800 | 4,533 |
| Average total loans | $31,705,400 | 4,119 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5261% | 4,367 |
| Cost of funding earning assets | 1.0550% | 2,875 |
| Net interest margin | 2.4711% | 4,170 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.2853% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9952% | 2,376 |
| Return on assets (ROA) | 0.9787% | 2,422 |
| Pretax return on assets | 0.1532% | 4,298 |
| Return on Equity (ROE) | 784.1400% | 3 |
| Retained earnings to average equity (ytd only) | 586.1240% | 3 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.0872% | 291 |
| Assets per employee ($millions) | 6.0112% | 2,749 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 3,491 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 39.7700% | 4,064 |
| Net loans and leases to deposits | 40.8085% | 4,187 |
| Net loans and leases to core deposits | 41.8706% | 4,219 |
| Total domestic deposits to total assets | 97.4600% | 45 |
| Equity capital to assets | -1.4985% | 4,625 |
| Core capital (leverage) ratio | 10.2326% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1272% | 543 |
| Memoranda: | ||
| Average total assets | $80,919,750 | 4,025 |
| Average earning assets | $76,077,500 | 3,986 |
| Average equity | $101,000 | 4,559 |
| Average total loans | $31,207,250 | 4,144 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4073% | 4,418 |
| Cost of funding earning assets | 0.9188% | 2,866 |
| Net interest margin | 2.4884% | 4,219 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.3630% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3196% | 1,514 |
| Return on assets (ROA) | 1.3025% | 1,548 |
| Pretax return on assets | 0.0782% | 4,408 |
| Return on Equity (ROE) | 203.0500% | 6 |
| Retained earnings to average equity (ytd only) | 145.9048% | 8 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 96.1233% | 218 |
| Assets per employee ($millions) | 6.1670% | 2,571 |
| Cash dividends to net income (ytd only)* | 28.1426% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 3,440 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 37.8500% | 4,122 |
| Net loans and leases to deposits | 38.3453% | 4,248 |
| Net loans and leases to core deposits | 39.4341% | 4,270 |
| Total domestic deposits to total assets | 98.7000% | 27 |
| Equity capital to assets | -0.0773% | 4,653 |
| Core capital (leverage) ratio | 10.0021% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1150% | 547 |
| Memoranda: | ||
| Average total assets | $81,844,333 | 4,029 |
| Average earning assets | $76,835,333 | 3,993 |
| Average equity | $525,000 | 4,588 |
| Average total loans | $31,147,667 | 4,154 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3794% | 4,387 |
| Cost of funding earning assets | 0.7945% | 2,757 |
| Net interest margin | 2.5848% | 4,222 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.6657% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3016% | 318 |
| Return on assets (ROA) | 2.2786% | 330 |
| Pretax return on assets | -0.1500% | 4,511 |
| Return on Equity (ROE) | 230.1800% | 9 |
| Retained earnings to average equity (ytd only) | 156.8723% | 9 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 104.7529% | 134 |
| Assets per employee ($millions) | 6.1845% | 2,598 |
| Cash dividends to net income (ytd only)* | 31.8471% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 3,659 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 38.9700% | 4,080 |
| Net loans and leases to deposits | 39.0901% | 4,251 |
| Net loans and leases to core deposits | 40.1844% | 4,267 |
| Total domestic deposits to total assets | 99.7000% | 5 |
| Equity capital to assets | -0.0124% | 4,683 |
| Core capital (leverage) ratio | 9.8474% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4412% | 616 |
| Memoranda: | ||
| Average total assets | $82,681,000 | 4,074 |
| Average earning assets | $77,529,500 | 4,038 |
| Average equity | $818,500 | 4,650 |
| Average total loans | $31,397,500 | 4,203 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9836% | 4,153 |
| Cost of funding earning assets | 0.4084% | 2,018 |
| Net interest margin | 2.5752% | 4,205 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.9924% | 3,595 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4174% | 4,225 |
| Return on assets (ROA) | 0.3989% | 4,205 |
| Pretax return on assets | 0.5260% | 4,141 |
| Return on Equity (ROE) | 10.2300% | 2,740 |
| Retained earnings to average equity (ytd only) | 10.2268% | 1,087 |
| Net charge-offs to loans | 0.0068% | 2,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 246.5000% | 554 |
| Efficiency ratio | 78.3867% | 830 |
| Assets per employee ($millions) | 6.5356% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 3,475 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 36.3100% | 4,202 |
| Net loans and leases to deposits | 37.1217% | 4,320 |
| Net loans and leases to core deposits | 38.0770% | 4,330 |
| Total domestic deposits to total assets | 97.8100% | 38 |
| Equity capital to assets | 1.9385% | 4,648 |
| Core capital (leverage) ratio | 9.0604% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0724% | 710 |
| Memoranda: | ||
| Average total assets | $89,739,000 | 4,015 |
| Average earning assets | $84,227,600 | 3,990 |
| Average equity | $3,500,600 | 4,568 |
| Average total loans | $29,392,400 | 4,249 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8884% | 4,077 |
| Cost of funding earning assets | 0.3502% | 1,700 |
| Net interest margin | 2.5383% | 4,181 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.9545% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4148% | 4,213 |
| Return on assets (ROA) | 0.4032% | 4,184 |
| Pretax return on assets | 0.5337% | 4,096 |
| Return on Equity (ROE) | 9.2500% | 2,956 |
| Retained earnings to average equity (ytd only) | 9.2497% | 1,566 |
| Net charge-offs to loans | 0.0046% | 2,020 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 374.0000% | 410 |
| Efficiency ratio | 78.0902% | 904 |
| Assets per employee ($millions) | 6.6287% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 3,455 |
| Loan loss allowance to noncurrent loans | 30,600.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,030 |
| Noncurrent loans to loans | 0.0033% | 3,940 |
| Net loans and leases to total assets | 34.9900% | 4,272 |
| Net loans and leases to deposits | 35.5040% | 4,379 |
| Net loans and leases to core deposits | 36.5300% | 4,387 |
| Total domestic deposits to total assets | 98.5500% | 41 |
| Equity capital to assets | 1.3252% | 4,684 |
| Core capital (leverage) ratio | 8.4689% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8826% | 742 |
| Memoranda: | ||
| Average total assets | $90,933,000 | 4,030 |
| Average earning assets | $85,672,750 | 4,002 |
| Average equity | $3,964,000 | 4,580 |
| Average total loans | $28,951,750 | 4,289 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7698% | 4,030 |
| Cost of funding earning assets | 0.3197% | 1,531 |
| Net interest margin | 2.4501% | 4,160 |
| Noninterest income to average assets | 0.1059% | 4,458 |
| Noninterest expense to average assets | 1.9261% | 3,643 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3756% | 4,158 |
| Return on assets (ROA) | 0.3653% | 4,137 |
| Pretax return on assets | 0.4864% | 4,020 |
| Return on Equity (ROE) | 6.8914% | 3,338 |
| Retained earnings to average equity (ytd only) | 6.8914% | 2,024 |
| Net charge-offs to loans | 0.0070% | 1,742 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 493 |
| Efficiency ratio | 79.4118% | 990 |
| Assets per employee ($millions) | 7.1165% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 3,500 |
| Loan loss allowance to noncurrent loans | 30,600.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,073 |
| Noncurrent loans to loans | 0.0033% | 3,977 |
| Net loans and leases to total assets | 32.0146% | 4,403 |
| Net loans and leases to deposits | 33.0488% | 4,472 |
| Net loans and leases to core deposits | 33.8549% | 4,481 |
| Total domestic deposits to total assets | 96.8707% | 56 |
| Equity capital to assets | 3.0525% | 4,686 |
| Core capital (leverage) ratio | 8.2856% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9913% | 720 |
| Memoranda: | ||
| Average total assets | $92,519,667 | 4,057 |
| Average earning assets | $87,586,667 | 4,037 |
| Average equity | $4,904,667 | 4,528 |
| Average total loans | $28,450,333 | 4,352 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6778% | 3,988 |
| Cost of funding earning assets | 0.3091% | 1,561 |
| Net interest margin | 2.3686% | 4,126 |
| Noninterest income to average assets | 0.0994% | 4,514 |
| Noninterest expense to average assets | 2.0752% | 3,238 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2134% | 4,305 |
| Return on assets (ROA) | 0.2032% | 4,297 |
| Pretax return on assets | 0.2637% | 4,243 |
| Return on Equity (ROE) | 3.1623% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.1623% | 3,206 |
| Net charge-offs to loans | -0.0144% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2353% | 621 |
| Assets per employee ($millions) | 6.9262% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 3,311 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,045 |
| Noncurrent loans to loans | 0.0143% | 3,906 |
| Net loans and leases to total assets | 30.6653% | 4,427 |
| Net loans and leases to deposits | 32.3458% | 4,487 |
| Net loans and leases to core deposits | 32.9766% | 4,509 |
| Total domestic deposits to total assets | 94.8045% | 51 |
| Equity capital to assets | 5.1044% | 4,713 |
| Core capital (leverage) ratio | 8.0145% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8175% | 665 |
| Memoranda: | ||
| Average total assets | $92,522,500 | 4,072 |
| Average earning assets | $87,984,000 | 4,044 |
| Average equity | $5,945,000 | 4,470 |
| Average total loans | $27,713,500 | 4,375 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7296% | 4,285 |
| Cost of funding earning assets | 0.4337% | 1,299 |
| Net interest margin | 2.2959% | 4,419 |
| Noninterest income to average assets | 0.2602% | 3,818 |
| Noninterest expense to average assets | 1.9591% | 3,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3880% | 4,296 |
| Return on assets (ROA) | 0.3854% | 4,330 |
| Pretax return on assets | 0.4959% | 4,267 |
| Return on Equity (ROE) | 4.9009% | 4,015 |
| Retained earnings to average equity (ytd only) | 3.1458% | 3,568 |
| Net charge-offs to loans | -0.0034% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6976% | 825 |
| Assets per employee ($millions) | 7.3081% | 1,719 |
| Cash dividends to net income (ytd only)* | 35.8127% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 3,294 |
| Loan loss allowance to noncurrent loans | 10,233.3333% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,150 |
| Noncurrent loans to loans | 0.0109% | 4,013 |
| Net loans and leases to total assets | 28.6311% | 4,550 |
| Net loans and leases to deposits | 31.1638% | 4,599 |
| Net loans and leases to core deposits | 31.8461% | 4,611 |
| Total domestic deposits to total assets | 91.8731% | 215 |
| Equity capital to assets | 7.6775% | 4,512 |
| Core capital (leverage) ratio | 7.5743% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4473% | 608 |
| Memoranda: | ||
| Average total assets | $94,175,800 | 4,054 |
| Average earning assets | $90,161,000 | 4,021 |
| Average equity | $7,406,800 | 4,387 |
| Average total loans | $29,119,400 | 4,395 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7722% | 4,330 |
| Cost of funding earning assets | 0.4460% | 1,381 |
| Net interest margin | 2.3262% | 4,467 |
| Noninterest income to average assets | 0.0993% | 4,670 |
| Noninterest expense to average assets | 1.9084% | 3,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3158% | 4,496 |
| Return on assets (ROA) | 0.3136% | 4,524 |
| Pretax return on assets | 0.4157% | 4,477 |
| Return on Equity (ROE) | 3.9631% | 4,307 |
| Retained earnings to average equity (ytd only) | 1.6319% | 4,289 |
| Net charge-offs to loans | -0.0045% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0122% | 632 |
| Assets per employee ($millions) | 7.4522% | 1,596 |
| Cash dividends to net income (ytd only)* | 58.8235% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,409 |
| Loan loss allowance to noncurrent loans | 10,233.3333% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 4,252 |
| Noncurrent loans to loans | 0.0108% | 4,127 |
| Net loans and leases to total assets | 28.2992% | 4,637 |
| Net loans and leases to deposits | 30.8343% | 4,685 |
| Net loans and leases to core deposits | 32.0824% | 4,689 |
| Total domestic deposits to total assets | 91.7784% | 171 |
| Equity capital to assets | 7.6952% | 4,657 |
| Core capital (leverage) ratio | 7.5241% | 4,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3913% | 653 |
| Memoranda: | ||
| Average total assets | $93,968,500 | 4,102 |
| Average earning assets | $89,986,000 | 4,067 |
| Average equity | $7,435,000 | 4,449 |
| Average total loans | $29,522,250 | 4,445 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8665% | 4,267 |
| Cost of funding earning assets | 0.4695% | 1,386 |
| Net interest margin | 2.3970% | 4,427 |
| Noninterest income to average assets | 0.1011% | 4,685 |
| Noninterest expense to average assets | 1.9635% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3260% | 4,495 |
| Return on assets (ROA) | 0.3226% | 4,524 |
| Pretax return on assets | 0.4280% | 4,478 |
| Return on Equity (ROE) | 4.0386% | 4,321 |
| Retained earnings to average equity (ytd only) | 0.5385% | 4,426 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9569% | 672 |
| Assets per employee ($millions) | 7.2611% | 1,625 |
| Cash dividends to net income (ytd only)* | 86.6667% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 3,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 31.0581% | 4,620 |
| Net loans and leases to deposits | 33.8647% | 4,683 |
| Net loans and leases to core deposits | 35.3933% | 4,686 |
| Total domestic deposits to total assets | 91.7124% | 187 |
| Equity capital to assets | 7.7802% | 4,640 |
| Core capital (leverage) ratio | 7.6232% | 4,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6151% | 742 |
| Memoranda: | ||
| Average total assets | $92,998,333 | 4,139 |
| Average earning assets | $89,028,333 | 4,100 |
| Average equity | $7,428,333 | 4,473 |
| Average total loans | $30,122,000 | 4,466 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7698% | 4,404 |
| Cost of funding earning assets | 0.5024% | 1,381 |
| Net interest margin | 2.2674% | 4,554 |
| Noninterest income to average assets | 0.3597% | 3,289 |
| Noninterest expense to average assets | 2.0845% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3476% | 4,452 |
| Return on assets (ROA) | 0.3510% | 4,477 |
| Pretax return on assets | 0.4507% | 4,420 |
| Return on Equity (ROE) | 4.3371% | 4,219 |
| Retained earnings to average equity (ytd only) | -2.6237% | 4,579 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3630% | 685 |
| Assets per employee ($millions) | 7.1362% | 1,700 |
| Cash dividends to net income (ytd only)* | 160.4938% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 32.2259% | 4,624 |
| Net loans and leases to deposits | 35.0349% | 4,703 |
| Net loans and leases to core deposits | 36.6458% | 4,701 |
| Total domestic deposits to total assets | 91.9823% | 150 |
| Equity capital to assets | 7.6091% | 4,672 |
| Core capital (leverage) ratio | 7.8100% | 4,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7941% | 698 |
| Memoranda: | ||
| Average total assets | $92,300,500 | 4,158 |
| Average earning assets | $88,381,500 | 4,119 |
| Average equity | $7,470,500 | 4,486 |
| Average total loans | $30,371,500 | 4,487 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9308% | 4,685 |
| Cost of funding earning assets | 0.7263% | 1,581 |
| Net interest margin | 2.2046% | 4,756 |
| Noninterest income to average assets | 0.1160% | 4,686 |
| Noninterest expense to average assets | 1.9217% | 4,278 |
| Loan and lease loss provision to assets | 0.0902% | 3,237 |
| Net operating income to assets | 0.1551% | 4,621 |
| Return on assets (ROA) | 0.2226% | 4,606 |
| Pretax return on assets | 0.2988% | 4,543 |
| Return on Equity (ROE) | 2.4485% | 4,494 |
| Retained earnings to average equity (ytd only) | 2.4485% | 3,631 |
| Net charge-offs to loans | -0.0958% | 4,807 |
| Credit loss provision to net charge-offs | -285.1852% | 3,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3612% | 517 |
| Assets per employee ($millions) | 7.0639% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 32.9246% | 4,679 |
| Net loans and leases to deposits | 36.3092% | 4,739 |
| Net loans and leases to core deposits | 37.9608% | 4,740 |
| Total domestic deposits to total assets | 90.6785% | 308 |
| Equity capital to assets | 8.5832% | 4,387 |
| Core capital (leverage) ratio | 8.0328% | 4,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8562% | 675 |
| Memoranda: | ||
| Average total assets | $85,340,800 | 4,184 |
| Average earning assets | $81,648,800 | 4,138 |
| Average equity | $7,760,000 | 4,448 |
| Average total loans | $28,179,000 | 4,549 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9750% | 4,749 |
| Cost of funding earning assets | 0.7629% | 1,662 |
| Net interest margin | 2.2121% | 4,815 |
| Noninterest income to average assets | 0.0796% | 4,823 |
| Noninterest expense to average assets | 1.9430% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1853% | 4,613 |
| Return on assets (ROA) | 0.2771% | 4,526 |
| Pretax return on assets | 0.3679% | 4,467 |
| Return on Equity (ROE) | 3.0014% | 4,389 |
| Retained earnings to average equity (ytd only) | 3.0014% | 3,522 |
| Net charge-offs to loans | -0.1305% | 4,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5341% | 402 |
| Assets per employee ($millions) | 6.7227% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7660% | 4,442 |
| Loan loss allowance to noncurrent loans | 4,580.0000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,492 |
| Noncurrent loans to loans | 0.0167% | 4,365 |
| Net loans and leases to total assets | 33.9459% | 4,742 |
| Net loans and leases to deposits | 37.6719% | 4,796 |
| Net loans and leases to core deposits | 39.4860% | 4,793 |
| Total domestic deposits to total assets | 90.1093% | 391 |
| Equity capital to assets | 9.0703% | 4,060 |
| Core capital (leverage) ratio | 8.1850% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8199% | 697 |
| Memoranda: | ||
| Average total assets | $83,718,250 | 4,205 |
| Average earning assets | $80,043,750 | 4,165 |
| Average equity | $7,729,500 | 4,478 |
| Average total loans | $27,588,500 | 4,590 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0073% | 4,839 |
| Cost of funding earning assets | 0.8013% | 1,822 |
| Net interest margin | 2.2060% | 4,876 |
| Noninterest income to average assets | 0.0776% | 4,844 |
| Noninterest expense to average assets | 2.0462% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0966% | 4,693 |
| Return on assets (ROA) | 0.2231% | 4,580 |
| Pretax return on assets | 0.3006% | 4,535 |
| Return on Equity (ROE) | 2.4009% | 4,458 |
| Retained earnings to average equity (ytd only) | 2.4009% | 3,611 |
| Net charge-offs to loans | 0.0224% | 2,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,726 |
| Efficiency ratio | 93.5698% | 306 |
| Assets per employee ($millions) | 6.4723% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6665% | 4,640 |
| Loan loss allowance to noncurrent loans | 3,316.6667% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,550 |
| Noncurrent loans to loans | 0.0201% | 4,414 |
| Net loans and leases to total assets | 35.2472% | 4,744 |
| Net loans and leases to deposits | 39.2553% | 4,811 |
| Net loans and leases to core deposits | 41.5801% | 4,804 |
| Total domestic deposits to total assets | 89.7896% | 460 |
| Equity capital to assets | 9.3713% | 3,761 |
| Core capital (leverage) ratio | 8.4028% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1709% | 654 |
| Memoranda: | ||
| Average total assets | $82,492,667 | 4,222 |
| Average earning assets | $78,875,667 | 4,184 |
| Average equity | $7,663,667 | 4,504 |
| Average total loans | $26,819,333 | 4,623 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8052% | 5,000 |
| Cost of funding earning assets | 0.8395% | 2,176 |
| Net interest margin | 1.9657% | 5,021 |
| Noninterest income to average assets | 0.0931% | 4,853 |
| Noninterest expense to average assets | 2.2579% | 3,869 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.2096% | 4,856 |
| Return on assets (ROA) | -0.2057% | 4,829 |
| Pretax return on assets | -0.2792% | 4,841 |
| Return on Equity (ROE) | -2.2243% | 4,844 |
| Retained earnings to average equity (ytd only) | -2.2243% | 4,277 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3921% | 126 |
| Assets per employee ($millions) | 6.4900% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 4,610 |
| Loan loss allowance to noncurrent loans | 84.1667% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 3,313 |
| Noncurrent loans to loans | 0.8275% | 1,954 |
| Net loans and leases to total assets | 34.1354% | 4,831 |
| Net loans and leases to deposits | 39.6918% | 4,839 |
| Net loans and leases to core deposits | 42.0573% | 4,842 |
| Total domestic deposits to total assets | 86.0009% | 2,003 |
| Equity capital to assets | 9.2023% | 4,462 |
| Core capital (leverage) ratio | 8.5518% | 4,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6080% | 789 |
| Memoranda: | ||
| Average total assets | $81,669,000 | 4,245 |
| Average earning assets | $78,140,000 | 4,203 |
| Average equity | $7,553,000 | 4,544 |
| Average total loans | $25,301,000 | 4,689 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0561% | 5,040 |
| Cost of funding earning assets | 0.9247% | 2,086 |
| Net interest margin | 2.1315% | 5,072 |
| Noninterest income to average assets | 0.1529% | 4,728 |
| Noninterest expense to average assets | 2.1071% | 4,352 |
| Loan and lease loss provision to assets | -0.0578% | 5,030 |
| Net operating income to assets | 0.1025% | 4,927 |
| Return on assets (ROA) | 0.1015% | 4,943 |
| Pretax return on assets | 0.1310% | 4,929 |
| Return on Equity (ROE) | 1.1071% | 4,902 |
| Retained earnings to average equity (ytd only) | 1.1071% | 4,354 |
| Net charge-offs to loans | -0.2729% | 5,083 |
| Credit loss provision to net charge-offs | 72.5806% | 2,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5842% | 201 |
| Assets per employee ($millions) | 6.0745% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 3,814 |
| Loan loss allowance to noncurrent loans | 2,885.7143% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,630 |
| Noncurrent loans to loans | 0.0324% | 4,434 |
| Net loans and leases to total assets | 27.0971% | 5,011 |
| Net loans and leases to deposits | 30.0825% | 5,035 |
| Net loans and leases to core deposits | 32.8034% | 5,025 |
| Total domestic deposits to total assets | 90.0757% | 299 |
| Equity capital to assets | 9.2974% | 4,492 |
| Core capital (leverage) ratio | 8.8961% | 4,601 |
| Tier 1 risk-based capital ratio | 27.0017% | 614 |
| Total risk-based capital ratio | 27.8004% | 633 |
| Memoranda: | ||
| Average total assets | $77,833,600 | 4,322 |
| Average earning assets | $74,080,400 | 4,285 |
| Average equity | $7,136,000 | 4,621 |
| Average total loans | $22,720,600 | 4,811 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1229% | 5,118 |
| Cost of funding earning assets | 0.9336% | 2,068 |
| Net interest margin | 2.1893% | 5,149 |
| Noninterest income to average assets | 0.1702% | 4,699 |
| Noninterest expense to average assets | 2.0270% | 4,497 |
| Loan and lease loss provision to assets | -0.0774% | 5,148 |
| Net operating income to assets | 0.2262% | 4,929 |
| Return on assets (ROA) | 0.2235% | 4,946 |
| Pretax return on assets | 0.2974% | 4,909 |
| Return on Equity (ROE) | 2.4466% | 4,850 |
| Retained earnings to average equity (ytd only) | 2.4466% | 4,122 |
| Net charge-offs to loans | -0.3710% | 5,172 |
| Credit loss provision to net charge-offs | 70.3125% | 2,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0688% | 323 |
| Assets per employee ($millions) | 5.8411% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 3,835 |
| Loan loss allowance to noncurrent loans | 2,040.0000% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 4,693 |
| Noncurrent loans to loans | 0.0465% | 4,438 |
| Net loans and leases to total assets | 28.0744% | 5,088 |
| Net loans and leases to deposits | 31.3325% | 5,116 |
| Net loans and leases to core deposits | 34.0663% | 5,106 |
| Total domestic deposits to total assets | 89.6015% | 415 |
| Equity capital to assets | 9.7137% | 4,281 |
| Core capital (leverage) ratio | 9.0577% | 4,591 |
| Tier 1 risk-based capital ratio | 26.6910% | 666 |
| Total risk-based capital ratio | 27.4826% | 677 |
| Memoranda: | ||
| Average total assets | $77,550,000 | 4,380 |
| Average earning assets | $73,690,500 | 4,343 |
| Average equity | $7,084,500 | 4,685 |
| Average total loans | $23,000,750 | 4,879 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1417% | 5,170 |
| Cost of funding earning assets | 0.9153% | 2,075 |
| Net interest margin | 2.2264% | 5,203 |
| Noninterest income to average assets | 0.1178% | 4,972 |
| Noninterest expense to average assets | 2.1155% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0937% | 5,061 |
| Return on assets (ROA) | 0.0896% | 5,072 |
| Pretax return on assets | 0.1153% | 5,064 |
| Return on Equity (ROE) | 1.0018% | 5,048 |
| Retained earnings to average equity (ytd only) | 1.0018% | 4,434 |
| Net charge-offs to loans | 0.0511% | 1,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 7.8333% | 2,458 |
| Efficiency ratio | 94.6163% | 224 |
| Assets per employee ($millions) | 5.8884% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7769% | 4,520 |
| Loan loss allowance to noncurrent loans | 288.7097% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 4,356 |
| Noncurrent loans to loans | 0.2691% | 3,568 |
| Net loans and leases to total assets | 29.8658% | 5,099 |
| Net loans and leases to deposits | 33.2432% | 5,134 |
| Net loans and leases to core deposits | 36.4056% | 5,120 |
| Total domestic deposits to total assets | 89.8405% | 378 |
| Equity capital to assets | 9.5246% | 4,382 |
| Core capital (leverage) ratio | 8.8186% | 4,773 |
| Tier 1 risk-based capital ratio | 24.3205% | 817 |
| Total risk-based capital ratio | 24.9624% | 854 |
| Memoranda: | ||
| Average total assets | $78,088,670 | 4,406 |
| Average earning assets | $74,290,330 | 4,369 |
| Average equity | $6,987,330 | 4,728 |
| Average total loans | $23,493,670 | 4,904 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1097% | 5,240 |
| Cost of funding earning assets | 0.8854% | 2,069 |
| Net interest margin | 2.2243% | 5,270 |
| Noninterest income to average assets | 0.1014% | 5,072 |
| Noninterest expense to average assets | 2.1507% | 4,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0457% | 5,120 |
| Return on assets (ROA) | 0.0457% | 5,123 |
| Pretax return on assets | 0.0659% | 5,116 |
| Return on Equity (ROE) | 0.5267% | 5,115 |
| Retained earnings to average equity (ytd only) | 0.5267% | 4,428 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0252% | 213 |
| Assets per employee ($millions) | 5.5864% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7655% | 4,622 |
| Loan loss allowance to noncurrent loans | 303.2787% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 4,416 |
| Noncurrent loans to loans | 0.2524% | 3,659 |
| Net loans and leases to total assets | 30.6627% | 5,140 |
| Net loans and leases to deposits | 33.8782% | 5,176 |
| Net loans and leases to core deposits | 37.1718% | 5,161 |
| Total domestic deposits to total assets | 90.5088% | 287 |
| Equity capital to assets | 8.9875% | 4,693 |
| Core capital (leverage) ratio | 8.6965% | 4,871 |
| Tier 1 risk-based capital ratio | 22.9707% | 939 |
| Total risk-based capital ratio | 23.5998% | 990 |
| Memoranda: | ||
| Average total assets | $78,858,500 | 4,433 |
| Average earning assets | $74,991,500 | 4,388 |
| Average equity | $6,835,500 | 4,782 |
| Average total loans | $23,720,000 | 4,951 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9615% | 5,245 |
| Cost of funding earning assets | 0.6519% | 2,379 |
| Net interest margin | 2.3097% | 5,283 |
| Noninterest income to average assets | 0.1299% | 5,041 |
| Noninterest expense to average assets | 2.1673% | 4,410 |
| Loan and lease loss provision to assets | 0.0573% | 3,017 |
| Net operating income to assets | 0.0891% | 5,187 |
| Return on assets (ROA) | 0.0891% | 5,178 |
| Pretax return on assets | 0.0980% | 5,178 |
| Return on Equity (ROE) | 1.0729% | 5,155 |
| Retained earnings to average equity (ytd only) | 1.0729% | 4,688 |
| Net charge-offs to loans | 0.2304% | 846 |
| Credit loss provision to net charge-offs | 84.9057% | 2,788 |
| Earnings coverage of net charge-offs (x) | 2.3019% | 3,536 |
| Efficiency ratio | 93.3114% | 254 |
| Assets per employee ($millions) | 6.1160% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 4,553 |
| Loan loss allowance to noncurrent loans | 370.0000% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 3,528 |
| Noncurrent loans to loans | 0.2148% | 3,811 |
| Net loans and leases to total assets | 29.0398% | 5,216 |
| Net loans and leases to deposits | 31.7728% | 5,247 |
| Net loans and leases to core deposits | 33.9075% | 5,245 |
| Total domestic deposits to total assets | 91.3983% | 133 |
| Equity capital to assets | 8.3539% | 5,017 |
| Core capital (leverage) ratio | 8.6744% | 4,900 |
| Tier 1 risk-based capital ratio | 22.8461% | 937 |
| Total risk-based capital ratio | 23.4726% | 977 |
| Memoranda: | ||
| Average total assets | $78,532,200 | 4,450 |
| Average earning assets | $74,556,600 | 4,409 |
| Average equity | $6,524,600 | 4,825 |
| Average total loans | $22,998,800 | 5,001 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9335% | 5,314 |
| Cost of funding earning assets | 0.6007% | 2,471 |
| Net interest margin | 2.3328% | 5,340 |
| Noninterest income to average assets | 0.1380% | 5,083 |
| Noninterest expense to average assets | 2.2191% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1158% | 5,245 |
| Return on assets (ROA) | 0.1158% | 5,240 |
| Pretax return on assets | 0.1345% | 5,235 |
| Return on Equity (ROE) | 1.3958% | 5,194 |
| Retained earnings to average equity (ytd only) | 1.3958% | 4,750 |
| Net charge-offs to loans | 0.0058% | 3,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 79.1955% | 882 |
| Efficiency ratio | 94.2836% | 238 |
| Assets per employee ($millions) | 5.9772% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,503 |
| Loan loss allowance to noncurrent loans | 143.2836% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 3,174 |
| Noncurrent loans to loans | 0.5836% | 2,628 |
| Net loans and leases to total assets | 29.3039% | 5,291 |
| Net loans and leases to deposits | 31.9633% | 5,325 |
| Net loans and leases to core deposits | 34.2824% | 5,318 |
| Total domestic deposits to total assets | 91.6799% | 111 |
| Equity capital to assets | 8.1953% | 5,090 |
| Core capital (leverage) ratio | 8.5898% | 5,040 |
| Tier 1 risk-based capital ratio | 23.3346% | 909 |
| Total risk-based capital ratio | 23.9990% | 942 |
| Memoranda: | ||
| Average total assets | $78,288,250 | 4,504 |
| Average earning assets | $74,358,000 | 4,461 |
| Average equity | $6,495,250 | 4,881 |
| Average total loans | $22,930,000 | 5,066 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8662% | 5,384 |
| Cost of funding earning assets | 0.5727% | 2,410 |
| Net interest margin | 2.2935% | 5,419 |
| Noninterest income to average assets | 0.1427% | 5,105 |
| Noninterest expense to average assets | 2.2629% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0637% | 5,313 |
| Return on assets (ROA) | 0.0637% | 5,305 |
| Pretax return on assets | 0.0637% | 5,306 |
| Return on Equity (ROE) | 0.7648% | 5,290 |
| Retained earnings to average equity (ytd only) | 0.7648% | 4,813 |
| Net charge-offs to loans | 0.0611% | 1,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 2,867 |
| Efficiency ratio | 97.2618% | 201 |
| Assets per employee ($millions) | 6.1027% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 4,653 |
| Loan loss allowance to noncurrent loans | 133.8129% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 3,234 |
| Noncurrent loans to loans | 0.6073% | 2,594 |
| Net loans and leases to total assets | 28.6179% | 5,352 |
| Net loans and leases to deposits | 31.1924% | 5,385 |
| Net loans and leases to core deposits | 33.4035% | 5,373 |
| Total domestic deposits to total assets | 91.7464% | 110 |
| Equity capital to assets | 8.1036% | 5,187 |
| Core capital (leverage) ratio | 8.6235% | 5,020 |
| Tier 1 risk-based capital ratio | 23.5257% | 880 |
| Total risk-based capital ratio | 24.1786% | 923 |
| Memoranda: | ||
| Average total assets | $78,483,330 | 4,546 |
| Average earning assets | $74,732,670 | 4,492 |
| Average equity | $6,537,670 | 4,921 |
| Average total loans | $22,919,330 | 5,124 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8659% | 5,429 |
| Cost of funding earning assets | 0.5528% | 2,384 |
| Net interest margin | 2.3131% | 5,466 |
| Noninterest income to average assets | 0.1435% | 5,151 |
| Noninterest expense to average assets | 2.4392% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0461% | 5,405 |
| Return on assets (ROA) | -0.0461% | 5,400 |
| Pretax return on assets | -0.0871% | 5,411 |
| Return on Equity (ROE) | -0.5461% | 5,403 |
| Retained earnings to average equity (ytd only) | -0.5461% | 4,866 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7037% | 141 |
| Assets per employee ($millions) | 5.9760% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 4,662 |
| Loan loss allowance to noncurrent loans | 288.0597% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 3,691 |
| Noncurrent loans to loans | 0.2930% | 3,717 |
| Net loans and leases to total assets | 29.1847% | 5,384 |
| Net loans and leases to deposits | 31.8745% | 5,419 |
| Net loans and leases to core deposits | 34.1785% | 5,412 |
| Total domestic deposits to total assets | 91.5611% | 176 |
| Equity capital to assets | 8.2754% | 5,121 |
| Core capital (leverage) ratio | 8.5423% | 5,118 |
| Tier 1 risk-based capital ratio | 23.4965% | 893 |
| Total risk-based capital ratio | 24.1764% | 930 |
| Memoranda: | ||
| Average total assets | $78,057,500 | 4,603 |
| Average earning assets | $74,532,000 | 4,544 |
| Average equity | $6,592,000 | 4,960 |
| Average total loans | $22,934,000 | 5,180 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7284% | 5,487 |
| Cost of funding earning assets | 0.5273% | 2,116 |
| Net interest margin | 2.2011% | 5,536 |
| Noninterest income to average assets | 0.1268% | 5,310 |
| Noninterest expense to average assets | 2.2068% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2131% | 5,086 |
| Return on assets (ROA) | 0.2156% | 5,098 |
| Pretax return on assets | 0.0190% | 5,427 |
| Return on Equity (ROE) | 2.4983% | 4,950 |
| Retained earnings to average equity (ytd only) | 2.4983% | 3,832 |
| Net charge-offs to loans | 0.1232% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 0.4483% | 3,994 |
| Efficiency ratio | 99.2584% | 184 |
| Assets per employee ($millions) | 6.0328% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 4,700 |
| Loan loss allowance to noncurrent loans | 288.0597% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 3,727 |
| Noncurrent loans to loans | 0.2913% | 3,738 |
| Net loans and leases to total assets | 29.0831% | 5,446 |
| Net loans and leases to deposits | 31.9414% | 5,495 |
| Net loans and leases to core deposits | 34.9157% | 5,476 |
| Total domestic deposits to total assets | 91.0516% | 230 |
| Equity capital to assets | 8.6131% | 5,024 |
| Core capital (leverage) ratio | 8.4551% | 5,178 |
| Tier 1 risk-based capital ratio | 23.4143% | 864 |
| Total risk-based capital ratio | 24.0899% | 915 |
| Memoranda: | ||
| Average total assets | $78,847,400 | 4,613 |
| Average earning assets | $75,099,400 | 4,560 |
| Average equity | $6,804,600 | 4,972 |
| Average total loans | $23,539,000 | 5,210 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7106% | 5,559 |
| Cost of funding earning assets | 0.5219% | 2,095 |
| Net interest margin | 2.1888% | 5,603 |
| Noninterest income to average assets | 0.1250% | 5,380 |
| Noninterest expense to average assets | 2.0619% | 4,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0946% | 5,450 |
| Return on assets (ROA) | 0.0946% | 5,461 |
| Pretax return on assets | 0.1452% | 5,428 |
| Return on Equity (ROE) | 1.0952% | 5,420 |
| Retained earnings to average equity (ytd only) | 1.0952% | 4,949 |
| Net charge-offs to loans | 0.0225% | 3,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 21.5122% | 1,910 |
| Efficiency ratio | 93.4200% | 307 |
| Assets per employee ($millions) | 5.6226% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 4,375 |
| Loan loss allowance to noncurrent loans | 234.4086% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 3,777 |
| Noncurrent loans to loans | 0.4013% | 3,506 |
| Net loans and leases to total assets | 29.1652% | 5,515 |
| Net loans and leases to deposits | 32.2589% | 5,558 |
| Net loans and leases to core deposits | 34.5977% | 5,543 |
| Total domestic deposits to total assets | 90.4099% | 347 |
| Equity capital to assets | 8.8507% | 5,031 |
| Core capital (leverage) ratio | 8.4118% | 5,313 |
| Tier 1 risk-based capital ratio | 22.3716% | 1,008 |
| Total risk-based capital ratio | 23.1133% | 1,042 |
| Memoranda: | ||
| Average total assets | $78,952,500 | 4,657 |
| Average earning assets | $75,109,500 | 4,605 |
| Average equity | $6,817,000 | 5,028 |
| Average total loans | $23,673,250 | 5,256 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6886% | 5,597 |
| Cost of funding earning assets | 0.5164% | 2,043 |
| Net interest margin | 2.1722% | 5,655 |
| Noninterest income to average assets | 0.1265% | 5,417 |
| Noninterest expense to average assets | 2.1789% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0025% | 5,552 |
| Return on assets (ROA) | 0.0025% | 5,554 |
| Pretax return on assets | 0.0127% | 5,545 |
| Return on Equity (ROE) | 0.0296% | 5,553 |
| Retained earnings to average equity (ytd only) | 0.0296% | 5,064 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4226% | 194 |
| Assets per employee ($millions) | 5.6429% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 4,435 |
| Loan loss allowance to noncurrent loans | 228.8660% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 3,823 |
| Noncurrent loans to loans | 0.4135% | 3,542 |
| Net loans and leases to total assets | 29.4148% | 5,556 |
| Net loans and leases to deposits | 32.4875% | 5,598 |
| Net loans and leases to core deposits | 34.9591% | 5,586 |
| Total domestic deposits to total assets | 90.5419% | 342 |
| Equity capital to assets | 8.7467% | 5,102 |
| Core capital (leverage) ratio | 8.3827% | 5,294 |
| Tier 1 risk-based capital ratio | 21.8421% | 1,070 |
| Total risk-based capital ratio | 22.5859% | 1,119 |
| Memoranda: | ||
| Average total assets | $79,031,000 | 4,683 |
| Average earning assets | $75,132,330 | 4,633 |
| Average equity | $6,767,000 | 5,062 |
| Average total loans | $23,839,000 | 5,291 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6746% | 5,656 |
| Cost of funding earning assets | 0.5105% | 2,003 |
| Net interest margin | 2.1642% | 5,717 |
| Noninterest income to average assets | 0.1164% | 5,524 |
| Noninterest expense to average assets | 2.3834% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0860% | 5,640 |
| Return on assets (ROA) | -0.0860% | 5,647 |
| Pretax return on assets | -0.2075% | 5,666 |
| Return on Equity (ROE) | -1.0156% | 5,657 |
| Retained earnings to average equity (ytd only) | -1.0156% | 5,069 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5349% | 132 |
| Assets per employee ($millions) | 5.6166% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 4,612 |
| Loan loss allowance to noncurrent loans | 49.5536% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7732% | 2,367 |
| Noncurrent loans to loans | 1.8908% | 965 |
| Net loans and leases to total assets | 29.8501% | 5,591 |
| Net loans and leases to deposits | 32.8532% | 5,644 |
| Net loans and leases to core deposits | 35.3537% | 5,629 |
| Total domestic deposits to total assets | 90.8588% | 341 |
| Equity capital to assets | 8.5855% | 5,176 |
| Core capital (leverage) ratio | 8.3329% | 5,357 |
| Tier 1 risk-based capital ratio | 21.8085% | 1,106 |
| Total risk-based capital ratio | 22.5532% | 1,156 |
| Memoranda: | ||
| Average total assets | $79,046,000 | 4,731 |
| Average earning assets | $75,225,500 | 4,675 |
| Average equity | $6,695,500 | 5,120 |
| Average total loans | $24,028,500 | 5,333 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6579% | 5,704 |
| Cost of funding earning assets | 0.5044% | 2,056 |
| Net interest margin | 2.1535% | 5,772 |
| Noninterest income to average assets | 0.1689% | 5,378 |
| Noninterest expense to average assets | 2.1524% | 4,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0649% | 5,599 |
| Return on assets (ROA) | 0.0701% | 5,617 |
| Pretax return on assets | 0.0572% | 5,628 |
| Return on Equity (ROE) | 0.7759% | 5,594 |
| Retained earnings to average equity (ytd only) | 0.7759% | 5,012 |
| Net charge-offs to loans | 0.0091% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,879 |
| Efficiency ratio | 97.6429% | 261 |
| Assets per employee ($millions) | 5.6756% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 4,741 |
| Loan loss allowance to noncurrent loans | 389.4737% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 4,099 |
| Noncurrent loans to loans | 0.2340% | 4,314 |
| Net loans and leases to total assets | 30.3817% | 5,637 |
| Net loans and leases to deposits | 33.3232% | 5,692 |
| Net loans and leases to core deposits | 35.6604% | 5,681 |
| Total domestic deposits to total assets | 91.1728% | 230 |
| Equity capital to assets | 8.3565% | 5,384 |
| Core capital (leverage) ratio | 8.4633% | 5,296 |
| Tier 1 risk-based capital ratio | 22.0998% | 1,065 |
| Total risk-based capital ratio | 22.8524% | 1,110 |
| Memoranda: | ||
| Average total assets | $76,983,600 | 4,794 |
| Average earning assets | $72,764,600 | 4,742 |
| Average equity | $6,960,000 | 5,096 |
| Average total loans | $21,938,200 | 5,448 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6846% | 5,765 |
| Cost of funding earning assets | 0.5051% | 2,055 |
| Net interest margin | 2.1795% | 5,827 |
| Noninterest income to average assets | 0.1222% | 5,637 |
| Noninterest expense to average assets | 2.1720% | 4,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0367% | 5,689 |
| Return on assets (ROA) | 0.0436% | 5,714 |
| Pretax return on assets | 0.0140% | 5,723 |
| Return on Equity (ROE) | 0.4734% | 5,703 |
| Retained earnings to average equity (ytd only) | 0.4734% | 5,236 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6795% | 231 |
| Assets per employee ($millions) | 5.4896% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 4,569 |
| Loan loss allowance to noncurrent loans | 392.9825% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 3,956 |
| Noncurrent loans to loans | 0.2466% | 4,384 |
| Net loans and leases to total assets | 29.7821% | 5,719 |
| Net loans and leases to deposits | 33.2443% | 5,770 |
| Net loans and leases to core deposits | 35.5590% | 5,757 |
| Total domestic deposits to total assets | 89.5856% | 635 |
| Equity capital to assets | 9.3761% | 4,784 |
| Core capital (leverage) ratio | 8.5195% | 5,348 |
| Tier 1 risk-based capital ratio | 22.8376% | 1,023 |
| Total risk-based capital ratio | 23.6259% | 1,064 |
| Memoranda: | ||
| Average total assets | $76,364,750 | 4,838 |
| Average earning assets | $72,062,500 | 4,794 |
| Average equity | $7,040,000 | 5,134 |
| Average total loans | $21,332,000 | 5,523 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7012% | 5,842 |
| Cost of funding earning assets | 0.5013% | 2,094 |
| Net interest margin | 2.2000% | 5,903 |
| Noninterest income to average assets | 0.1522% | 5,544 |
| Noninterest expense to average assets | 2.1916% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0499% | 5,724 |
| Return on assets (ROA) | 0.0604% | 5,747 |
| Pretax return on assets | 0.0446% | 5,763 |
| Return on Equity (ROE) | 0.6586% | 5,736 |
| Retained earnings to average equity (ytd only) | 0.6586% | 5,110 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4670% | 277 |
| Assets per employee ($millions) | 5.4606% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 4,295 |
| Loan loss allowance to noncurrent loans | 70.8861% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 0.7430% | 2,751 |
| Noncurrent loans to loans | 1.4651% | 1,502 |
| Net loans and leases to total assets | 27.9196% | 5,824 |
| Net loans and leases to deposits | 31.1915% | 5,869 |
| Net loans and leases to core deposits | 33.3756% | 5,855 |
| Total domestic deposits to total assets | 89.5105% | 675 |
| Equity capital to assets | 9.4273% | 4,844 |
| Core capital (leverage) ratio | 8.5841% | 5,281 |
| Tier 1 risk-based capital ratio | 23.7291% | 929 |
| Total risk-based capital ratio | 24.5483% | 963 |
| Memoranda: | ||
| Average total assets | $76,201,330 | 4,889 |
| Average earning assets | $71,819,330 | 4,842 |
| Average equity | $6,984,670 | 5,197 |
| Average total loans | $20,738,330 | 5,610 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7733% | 5,867 |
| Cost of funding earning assets | 0.5032% | 2,082 |
| Net interest margin | 2.2701% | 5,936 |
| Noninterest income to average assets | 0.1472% | 5,604 |
| Noninterest expense to average assets | 2.6552% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1922% | 5,883 |
| Return on assets (ROA) | -0.1788% | 5,893 |
| Pretax return on assets | -0.3523% | 5,925 |
| Return on Equity (ROE) | -1.9786% | 5,906 |
| Retained earnings to average equity (ytd only) | -1.9786% | 5,384 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3594% | 123 |
| Assets per employee ($millions) | 5.3943% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 4,103 |
| Loan loss allowance to noncurrent loans | 63.8177% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 2,701 |
| Noncurrent loans to loans | 1.7094% | 1,318 |
| Net loans and leases to total assets | 26.8922% | 5,897 |
| Net loans and leases to deposits | 29.9463% | 5,929 |
| Net loans and leases to core deposits | 31.8603% | 5,920 |
| Total domestic deposits to total assets | 89.8014% | 675 |
| Equity capital to assets | 9.2691% | 4,923 |
| Core capital (leverage) ratio | 8.5728% | 5,321 |
| Tier 1 risk-based capital ratio | 23.1762% | 996 |
| Total risk-based capital ratio | 23.9836% | 1,022 |
| Memoranda: | ||
| Average total assets | $76,078,000 | 4,937 |
| Average earning assets | $71,540,000 | 4,886 |
| Average equity | $6,873,500 | 5,258 |
| Average total loans | $20,323,500 | 5,673 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7798% | 5,892 |
| Cost of funding earning assets | 0.5145% | 2,033 |
| Net interest margin | 2.2654% | 5,962 |
| Noninterest income to average assets | 0.1513% | 5,659 |
| Noninterest expense to average assets | 2.2200% | 5,008 |
| Loan and lease loss provision to assets | 0.0040% | 4,313 |
| Net operating income to assets | 0.0603% | 5,802 |
| Return on assets (ROA) | 0.0603% | 5,840 |
| Pretax return on assets | 0.0616% | 5,837 |
| Return on Equity (ROE) | 0.6673% | 5,816 |
| Retained earnings to average equity (ytd only) | 0.6673% | 5,245 |
| Net charge-offs to loans | 0.0151% | 3,987 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 2,140 |
| Efficiency ratio | 97.1295% | 363 |
| Assets per employee ($millions) | 5.4740% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,973 |
| Loan loss allowance to noncurrent loans | 65.6891% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 2,744 |
| Noncurrent loans to loans | 1.6953% | 1,337 |
| Net loans and leases to total assets | 25.9539% | 5,978 |
| Net loans and leases to deposits | 28.6777% | 6,009 |
| Net loans and leases to core deposits | 30.4669% | 5,998 |
| Total domestic deposits to total assets | 90.5019% | 436 |
| Equity capital to assets | 8.8040% | 5,303 |
| Core capital (leverage) ratio | 8.6332% | 5,299 |
| Tier 1 risk-based capital ratio | 23.8825% | 934 |
| Total risk-based capital ratio | 24.7100% | 949 |
| Memoranda: | ||
| Average total assets | $74,683,200 | 4,976 |
| Average earning assets | $70,364,200 | 4,929 |
| Average equity | $6,744,000 | 5,291 |
| Average total loans | $19,853,600 | 5,724 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7821% | 5,969 |
| Cost of funding earning assets | 0.5141% | 2,088 |
| Net interest margin | 2.2680% | 6,052 |
| Noninterest income to average assets | 0.1545% | 5,714 |
| Noninterest expense to average assets | 2.2283% | 4,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0647% | 5,881 |
| Return on assets (ROA) | 0.0647% | 5,920 |
| Pretax return on assets | 0.0665% | 5,918 |
| Return on Equity (ROE) | 0.7118% | 5,896 |
| Retained earnings to average equity (ytd only) | 0.7118% | 5,403 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1026% | 387 |
| Assets per employee ($millions) | 5.2734% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 4,078 |
| Loan loss allowance to noncurrent loans | 63.2768% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 2,822 |
| Noncurrent loans to loans | 1.7796% | 1,335 |
| Net loans and leases to total assets | 26.6403% | 6,054 |
| Net loans and leases to deposits | 29.6665% | 6,080 |
| Net loans and leases to core deposits | 31.6074% | 6,076 |
| Total domestic deposits to total assets | 89.7993% | 654 |
| Equity capital to assets | 9.3406% | 4,954 |
| Core capital (leverage) ratio | 8.7842% | 5,252 |
| Tier 1 risk-based capital ratio | 23.9191% | 953 |
| Total risk-based capital ratio | 24.7490% | 987 |
| Memoranda: | ||
| Average total assets | $74,195,000 | 5,041 |
| Average earning assets | $70,017,250 | 4,995 |
| Average equity | $6,743,250 | 5,357 |
| Average total loans | $19,788,500 | 5,803 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7731% | 6,039 |
| Cost of funding earning assets | 0.5130% | 2,136 |
| Net interest margin | 2.2601% | 6,120 |
| Noninterest income to average assets | 0.1453% | 5,836 |
| Noninterest expense to average assets | 2.2660% | 4,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0323% | 5,958 |
| Return on assets (ROA) | 0.0323% | 6,001 |
| Pretax return on assets | 0.0135% | 6,006 |
| Return on Equity (ROE) | 0.3586% | 5,986 |
| Retained earnings to average equity (ytd only) | 0.3586% | 5,399 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4097% | 337 |
| Assets per employee ($millions) | 5.2785% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 4,110 |
| Loan loss allowance to noncurrent loans | 42.9942% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 2,892 |
| Noncurrent loans to loans | 2.6635% | 819 |
| Net loans and leases to total assets | 26.1668% | 6,131 |
| Net loans and leases to deposits | 28.9082% | 6,155 |
| Net loans and leases to core deposits | 30.6343% | 6,150 |
| Total domestic deposits to total assets | 90.5168% | 446 |
| Equity capital to assets | 8.8959% | 5,347 |
| Core capital (leverage) ratio | 8.8386% | 5,177 |
| Tier 1 risk-based capital ratio | 24.0476% | 952 |
| Total risk-based capital ratio | 24.8850% | 978 |
| Memoranda: | ||
| Average total assets | $74,317,330 | 5,095 |
| Average earning assets | $70,175,000 | 5,036 |
| Average equity | $6,692,330 | 5,415 |
| Average total loans | $19,754,000 | 5,861 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7848% | 6,079 |
| Cost of funding earning assets | 0.5105% | 2,195 |
| Net interest margin | 2.2744% | 6,172 |
| Noninterest income to average assets | 0.1395% | 5,911 |
| Noninterest expense to average assets | 2.4850% | 4,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0966% | 6,101 |
| Return on assets (ROA) | -0.0966% | 6,125 |
| Pretax return on assets | -0.1932% | 6,153 |
| Return on Equity (ROE) | -1.0664% | 6,132 |
| Retained earnings to average equity (ytd only) | -1.0664% | 5,569 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4309% | 206 |
| Assets per employee ($millions) | 5.2764% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 4,434 |
| Loan loss allowance to noncurrent loans | 42.5856% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 0.8813% | 2,873 |
| Noncurrent loans to loans | 2.6182% | 913 |
| Net loans and leases to total assets | 26.8936% | 6,172 |
| Net loans and leases to deposits | 29.9774% | 6,196 |
| Net loans and leases to core deposits | 31.7841% | 6,189 |
| Total domestic deposits to total assets | 89.7129% | 895 |
| Equity capital to assets | 9.3734% | 4,888 |
| Core capital (leverage) ratio | 8.7606% | 5,247 |
| Tier 1 risk-based capital ratio | 23.6971% | 1,024 |
| Total risk-based capital ratio | 24.5262% | 1,053 |
| Memoranda: | ||
| Average total assets | $74,526,500 | 5,139 |
| Average earning assets | $70,525,000 | 5,076 |
| Average equity | $6,751,500 | 5,450 |
| Average total loans | $19,850,500 | 5,903 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2581% | 5,762 |
| Cost of funding earning assets | 0.5835% | 1,918 |
| Net interest margin | 2.6747% | 5,977 |
| Noninterest income to average assets | 0.1728% | 5,821 |
| Noninterest expense to average assets | 2.2529% | 5,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2576% | 5,639 |
| Return on assets (ROA) | 0.2136% | 5,799 |
| Pretax return on assets | 0.2762% | 5,745 |
| Return on Equity (ROE) | 2.6668% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.6668% | 4,345 |
| Net charge-offs to loans | -0.6144% | 6,418 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1120% | 1,065 |
| Assets per employee ($millions) | 5.3703% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 4,325 |
| Loan loss allowance to noncurrent loans | 42.6667% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 0.8645% | 3,048 |
| Noncurrent loans to loans | 2.6771% | 908 |
| Net loans and leases to total assets | 25.7861% | 6,281 |
| Net loans and leases to deposits | 28.4484% | 6,314 |
| Net loans and leases to core deposits | 30.3548% | 6,308 |
| Total domestic deposits to total assets | 90.6416% | 483 |
| Equity capital to assets | 8.7505% | 5,536 |
| Core capital (leverage) ratio | 8.8594% | 5,168 |
| Tier 1 risk-based capital ratio | 23.2348% | 1,045 |
| Total risk-based capital ratio | 24.0455% | 1,090 |
| Memoranda: | ||
| Average total assets | $73,504,200 | 5,200 |
| Average earning assets | $66,326,400 | 5,215 |
| Average equity | $5,887,200 | 5,644 |
| Average total loans | $18,880,200 | 6,002 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3626% | 5,651 |
| Cost of funding earning assets | 0.6021% | 1,808 |
| Net interest margin | 2.7605% | 5,917 |
| Noninterest income to average assets | 0.1770% | 5,855 |
| Noninterest expense to average assets | 2.2458% | 5,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2839% | 5,641 |
| Return on assets (ROA) | 0.2919% | 5,681 |
| Pretax return on assets | 0.4014% | 5,571 |
| Return on Equity (ROE) | 3.7333% | 5,270 |
| Retained earnings to average equity (ytd only) | 3.7333% | 3,988 |
| Net charge-offs to loans | -0.0143% | 5,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1903% | 1,265 |
| Assets per employee ($millions) | 5.1349% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5642% | 6,269 |
| Loan loss allowance to noncurrent loans | 27.9188% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0822% | 2,795 |
| Noncurrent loans to loans | 2.0207% | 1,564 |
| Net loans and leases to total assets | 26.9694% | 6,338 |
| Net loans and leases to deposits | 29.6235% | 6,374 |
| Net loans and leases to core deposits | 31.6860% | 6,366 |
| Total domestic deposits to total assets | 91.0404% | 352 |
| Equity capital to assets | 8.6077% | 5,715 |
| Core capital (leverage) ratio | 8.8180% | 5,313 |
| Tier 1 risk-based capital ratio | 21.3205% | 1,388 |
| Total risk-based capital ratio | 21.6856% | 1,532 |
| Memoranda: | ||
| Average total assets | $73,084,250 | 5,265 |
| Average earning assets | $65,107,500 | 5,304 |
| Average equity | $5,714,250 | 5,740 |
| Average total loans | $18,697,500 | 6,074 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4912% | 5,425 |
| Cost of funding earning assets | 0.6176% | 1,754 |
| Net interest margin | 2.8737% | 5,779 |
| Noninterest income to average assets | 0.1715% | 5,924 |
| Noninterest expense to average assets | 2.3298% | 5,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2734% | 5,654 |
| Return on assets (ROA) | 0.2858% | 5,684 |
| Pretax return on assets | 0.3783% | 5,618 |
| Return on Equity (ROE) | 3.7795% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.7795% | 3,778 |
| Net charge-offs to loans | -0.0217% | 5,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5521% | 1,217 |
| Assets per employee ($millions) | 5.2051% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5793% | 6,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5297% | 4,414 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 25.9088% | 6,418 |
| Net loans and leases to deposits | 28.3675% | 6,453 |
| Net loans and leases to core deposits | 30.5566% | 6,443 |
| Total domestic deposits to total assets | 91.3326% | 300 |
| Equity capital to assets | 8.3655% | 5,902 |
| Core capital (leverage) ratio | 8.7233% | 5,368 |
| Tier 1 risk-based capital ratio | 21.6525% | 1,321 |
| Total risk-based capital ratio | 22.0265% | 1,472 |
| Memoranda: | ||
| Average total assets | $73,482,670 | 5,299 |
| Average earning assets | $64,447,330 | 5,370 |
| Average equity | $5,556,330 | 5,820 |
| Average total loans | $18,430,670 | 6,143 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6029% | 5,159 |
| Cost of funding earning assets | 0.6398% | 1,649 |
| Net interest margin | 2.9631% | 5,618 |
| Noninterest income to average assets | 0.1735% | 5,931 |
| Noninterest expense to average assets | 2.4123% | 4,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2716% | 5,590 |
| Return on assets (ROA) | 0.2927% | 5,563 |
| Pretax return on assets | 0.3740% | 5,530 |
| Return on Equity (ROE) | 4.0859% | 4,993 |
| Retained earnings to average equity (ytd only) | 4.0859% | 3,666 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4263% | 1,290 |
| Assets per employee ($millions) | 5.2607% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6007% | 6,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 24.2634% | 6,504 |
| Net loans and leases to deposits | 26.3340% | 6,537 |
| Net loans and leases to core deposits | 28.7794% | 6,515 |
| Total domestic deposits to total assets | 92.1371% | 214 |
| Equity capital to assets | 7.5872% | 6,285 |
| Core capital (leverage) ratio | 8.6334% | 5,487 |
| Tier 1 risk-based capital ratio | 20.4176% | 1,613 |
| Total risk-based capital ratio | 20.7667% | 1,801 |
| Memoranda: | ||
| Average total assets | $73,788,500 | 5,345 |
| Average earning assets | $64,392,000 | 5,428 |
| Average equity | $5,286,500 | 5,929 |
| Average total loans | $18,151,000 | 6,211 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5226% | 5,596 |
| Cost of funding earning assets | 0.6826% | 1,938 |
| Net interest margin | 2.8400% | 5,915 |
| Noninterest income to average assets | 0.1657% | 6,096 |
| Noninterest expense to average assets | 2.3247% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3437% | 5,362 |
| Return on assets (ROA) | 0.3437% | 5,471 |
| Pretax return on assets | 0.4542% | 5,345 |
| Return on Equity (ROE) | 4.0003% | 5,112 |
| Retained earnings to average equity (ytd only) | -1.3816% | 6,113 |
| Net charge-offs to loans | 0.3131% | 2,119 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.6724% | 3,240 |
| Efficiency ratio | 83.6562% | 1,667 |
| Assets per employee ($millions) | 5.2805% | 1,875 |
| Cash dividends to net income (ytd only)* | 134.5382% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5894% | 6,488 |
| Loan loss allowance to noncurrent loans | 39.7059% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 4,618 |
| Noncurrent loans to loans | 1.4844% | 2,664 |
| Net loans and leases to total assets | 24.6405% | 6,595 |
| Net loans and leases to deposits | 26.5118% | 6,635 |
| Net loans and leases to core deposits | 28.9469% | 6,614 |
| Total domestic deposits to total assets | 92.9417% | 141 |
| Equity capital to assets | 6.7431% | 6,525 |
| Core capital (leverage) ratio | 8.5093% | 5,661 |
| Tier 1 risk-based capital ratio | 19.1237% | 1,879 |
| Total risk-based capital ratio | 19.4534% | 2,139 |
| Memoranda: | ||
| Average total assets | $72,440,400 | 5,406 |
| Average earning assets | $66,654,600 | 5,385 |
| Average equity | $6,224,600 | 5,757 |
| Average total loans | $18,525,800 | 6,271 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5114% | 5,660 |
| Cost of funding earning assets | 0.6860% | 2,049 |
| Net interest margin | 2.8254% | 5,972 |
| Noninterest income to average assets | 0.1665% | 6,188 |
| Noninterest expense to average assets | 2.3717% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3238% | 5,524 |
| Return on assets (ROA) | 0.3238% | 5,645 |
| Pretax return on assets | 0.4237% | 5,568 |
| Return on Equity (ROE) | 3.5707% | 5,409 |
| Retained earnings to average equity (ytd only) | -3.2647% | 6,380 |
| Net charge-offs to loans | 0.4234% | 1,510 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.8816% | 3,591 |
| Efficiency ratio | 84.8445% | 1,494 |
| Assets per employee ($millions) | 5.1102% | 2,037 |
| Cash dividends to net income (ytd only)* | 191.4284% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5669% | 6,599 |
| Loan loss allowance to noncurrent loans | 37.8092% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 4,678 |
| Noncurrent loans to loans | 1.4994% | 2,916 |
| Net loans and leases to total assets | 26.2318% | 6,642 |
| Net loans and leases to deposits | 28.5365% | 6,689 |
| Net loans and leases to core deposits | 30.8856% | 6,668 |
| Total domestic deposits to total assets | 91.9237% | 255 |
| Equity capital to assets | 7.7184% | 6,301 |
| Core capital (leverage) ratio | 8.6678% | 5,579 |
| Tier 1 risk-based capital ratio | 19.8111% | 1,781 |
| Total risk-based capital ratio | 20.1536% | 1,976 |
| Memoranda: | ||
| Average total assets | $72,068,750 | 5,469 |
| Average earning assets | $67,056,500 | 5,430 |
| Average equity | $6,534,500 | 5,756 |
| Average total loans | $18,576,250 | 6,334 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5116% | 5,669 |
| Cost of funding earning assets | 0.6916% | 2,127 |
| Net interest margin | 2.8200% | 5,962 |
| Noninterest income to average assets | 0.1799% | 6,131 |
| Noninterest expense to average assets | 2.4556% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2796% | 5,666 |
| Return on assets (ROA) | 0.2796% | 5,804 |
| Pretax return on assets | 0.3544% | 5,738 |
| Return on Equity (ROE) | 2.9395% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.9395% | 4,442 |
| Net charge-offs to loans | 0.7144% | 915 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.9394% | 3,871 |
| Efficiency ratio | 87.3892% | 1,289 |
| Assets per employee ($millions) | 5.0256% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5431% | 6,671 |
| Loan loss allowance to noncurrent loans | 22.2717% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 0.9793% | 3,809 |
| Noncurrent loans to loans | 2.4386% | 1,924 |
| Net loans and leases to total assets | 26.0269% | 6,685 |
| Net loans and leases to deposits | 28.5211% | 6,730 |
| Net loans and leases to core deposits | 30.4141% | 6,710 |
| Total domestic deposits to total assets | 91.2547% | 461 |
| Equity capital to assets | 8.4226% | 5,848 |
| Core capital (leverage) ratio | 8.9868% | 5,015 |
| Tier 1 risk-based capital ratio | 20.8280% | 1,534 |
| Total risk-based capital ratio | 21.1509% | 1,717 |
| Memoranda: | ||
| Average total assets | $72,244,000 | 5,504 |
| Average earning assets | $67,376,330 | 5,464 |
| Average equity | $6,872,000 | 5,718 |
| Average total loans | $18,477,000 | 6,376 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5909% | 5,476 |
| Cost of funding earning assets | 0.6994% | 2,216 |
| Net interest margin | 2.8915% | 5,830 |
| Noninterest income to average assets | 0.1694% | 6,244 |
| Noninterest expense to average assets | 2.6016% | 4,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2186% | 5,824 |
| Return on assets (ROA) | 0.2186% | 5,948 |
| Pretax return on assets | 0.2569% | 5,942 |
| Return on Equity (ROE) | 2.1784% | 5,877 |
| Retained earnings to average equity (ytd only) | 2.1784% | 4,912 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0134% | 1,064 |
| Assets per employee ($millions) | 5.1817% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 6,220 |
| Loan loss allowance to noncurrent loans | 14.7425% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 1.9161% | 2,456 |
| Noncurrent loans to loans | 6.2121% | 526 |
| Net loans and leases to total assets | 24.7574% | 6,754 |
| Net loans and leases to deposits | 27.9259% | 6,784 |
| Net loans and leases to core deposits | 29.6497% | 6,771 |
| Total domestic deposits to total assets | 88.6538% | 1,898 |
| Equity capital to assets | 10.0629% | 4,061 |
| Core capital (leverage) ratio | 8.9102% | 5,041 |
| Tier 1 risk-based capital ratio | 20.9888% | 1,541 |
| Total risk-based capital ratio | 21.5342% | 1,678 |
| Memoranda: | ||
| Average total assets | $73,187,000 | 5,533 |
| Average earning assets | $68,061,000 | 5,493 |
| Average equity | $7,345,000 | 5,651 |
| Average total loans | $18,509,500 | 6,426 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 5,844 |
| Cost of funding earning assets | 0.8212% | 2,500 |
| Net interest margin | 2.9697% | 6,103 |
| Noninterest income to average assets | 0.2229% | 5,845 |
| Noninterest expense to average assets | 2.1493% | 6,023 |
| Loan and lease loss provision to assets | 0.2075% | 3,065 |
| Net operating income to assets | 0.4346% | 4,947 |
| Return on assets (ROA) | 0.4346% | 5,191 |
| Pretax return on assets | 0.6141% | 4,956 |
| Return on Equity (ROE) | 4.1861% | 5,063 |
| Retained earnings to average equity (ytd only) | -0.5401% | 5,944 |
| Net charge-offs to loans | 0.6973% | 1,697 |
| Credit loss provision to net charge-offs | 104.2254% | 2,870 |
| Earnings coverage of net charge-offs (x) | 4.1268% | 3,471 |
| Efficiency ratio | 72.3454% | 3,354 |
| Assets per employee ($millions) | 5.2736% | 1,929 |
| Cash dividends to net income (ytd only)* | 112.9032% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 6,313 |
| Loan loss allowance to noncurrent loans | 13.4850% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 2.0249% | 2,420 |
| Noncurrent loans to loans | 6.5156% | 518 |
| Net loans and leases to total assets | 25.3650% | 6,824 |
| Net loans and leases to deposits | 28.6468% | 6,860 |
| Net loans and leases to core deposits | 30.3822% | 6,840 |
| Total domestic deposits to total assets | 88.5440% | 1,877 |
| Equity capital to assets | 10.0095% | 4,152 |
| Core capital (leverage) ratio | 8.8730% | 5,071 |
| Tier 1 risk-based capital ratio | 20.2585% | 1,616 |
| Total risk-based capital ratio | 20.7883% | 1,774 |
| Memoranda: | ||
| Average total assets | $71,325,000 | 5,593 |
| Average earning assets | $65,999,800 | 5,551 |
| Average equity | $7,405,400 | 5,661 |
| Average total loans | $20,364,400 | 6,409 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8935% | 5,801 |
| Cost of funding earning assets | 0.8499% | 2,538 |
| Net interest margin | 3.0436% | 6,076 |
| Noninterest income to average assets | 0.1999% | 6,100 |
| Noninterest expense to average assets | 2.1876% | 5,980 |
| Loan and lease loss provision to assets | 0.0830% | 4,585 |
| Net operating income to assets | 0.5167% | 4,781 |
| Return on assets (ROA) | 0.5167% | 5,037 |
| Pretax return on assets | 0.7525% | 4,668 |
| Return on Equity (ROE) | 4.9306% | 4,852 |
| Retained earnings to average equity (ytd only) | -1.3676% | 6,319 |
| Net charge-offs to loans | 0.2508% | 3,215 |
| Credit loss provision to net charge-offs | 112.8205% | 2,591 |
| Earnings coverage of net charge-offs (x) | 11.3587% | 2,084 |
| Efficiency ratio | 72.3643% | 3,256 |
| Assets per employee ($millions) | 5.0676% | 2,095 |
| Cash dividends to net income (ytd only)* | 127.7401% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 6,580 |
| Loan loss allowance to noncurrent loans | 23.4708% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 1.2192% | 3,858 |
| Noncurrent loans to loans | 3.4500% | 1,578 |
| Net loans and leases to total assets | 28.4889% | 6,863 |
| Net loans and leases to deposits | 32.4336% | 6,904 |
| Net loans and leases to core deposits | 34.5050% | 6,889 |
| Total domestic deposits to total assets | 87.8374% | 2,139 |
| Equity capital to assets | 10.5276% | 3,810 |
| Core capital (leverage) ratio | 9.0407% | 4,998 |
| Tier 1 risk-based capital ratio | 19.4828% | 1,884 |
| Total risk-based capital ratio | 19.9920% | 2,060 |
| Memoranda: | ||
| Average total assets | $70,698,750 | 5,676 |
| Average earning assets | $65,577,750 | 5,627 |
| Average equity | $7,409,250 | 5,722 |
| Average total loans | $20,732,250 | 6,478 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 5,776 |
| Cost of funding earning assets | 0.8906% | 2,481 |
| Net interest margin | 3.0621% | 6,095 |
| Noninterest income to average assets | 0.1841% | 6,250 |
| Noninterest expense to average assets | 2.2516% | 5,866 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5296% | 4,677 |
| Return on assets (ROA) | 0.5296% | 4,955 |
| Pretax return on assets | 0.7760% | 4,556 |
| Return on Equity (ROE) | 5.0614% | 4,784 |
| Retained earnings to average equity (ytd only) | 5.0614% | 3,248 |
| Net charge-offs to loans | -0.0480% | 6,656 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3686% | 3,015 |
| Assets per employee ($millions) | 5.0529% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 6,659 |
| Loan loss allowance to noncurrent loans | 20.0730% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 1.4094% | 3,607 |
| Noncurrent loans to loans | 4.0072% | 1,375 |
| Net loans and leases to total assets | 28.7645% | 6,915 |
| Net loans and leases to deposits | 32.8549% | 6,945 |
| Net loans and leases to core deposits | 34.6685% | 6,948 |
| Total domestic deposits to total assets | 87.5502% | 2,435 |
| Equity capital to assets | 10.8750% | 3,260 |
| Core capital (leverage) ratio | 9.7390% | 3,792 |
| Tier 1 risk-based capital ratio | 20.4389% | 1,593 |
| Total risk-based capital ratio | 20.9517% | 1,753 |
| Memoranda: | ||
| Average total assets | $70,616,000 | 5,716 |
| Average earning assets | $65,576,330 | 5,657 |
| Average equity | $7,389,330 | 5,747 |
| Average total loans | $20,850,670 | 6,518 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 5,660 |
| Cost of funding earning assets | 0.9410% | 2,367 |
| Net interest margin | 3.0920% | 6,072 |
| Noninterest income to average assets | 0.1871% | 6,260 |
| Noninterest expense to average assets | 2.4889% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4025% | 5,247 |
| Return on assets (ROA) | 0.4025% | 5,430 |
| Pretax return on assets | 0.5669% | 5,218 |
| Return on Equity (ROE) | 3.9240% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.9240% | 4,235 |
| Net charge-offs to loans | -0.0951% | 6,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4471% | 2,017 |
| Assets per employee ($millions) | 4.9964% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7993% | 6,744 |
| Loan loss allowance to noncurrent loans | 11.5063% | 6,736 |
| Noncurrent assets plus other real estate owned to assets | 2.0501% | 2,824 |
| Noncurrent loans to loans | 6.9467% | 649 |
| Net loans and leases to total assets | 29.2756% | 6,936 |
| Net loans and leases to deposits | 33.1016% | 6,979 |
| Net loans and leases to core deposits | 34.6333% | 6,978 |
| Total domestic deposits to total assets | 88.4416% | 2,040 |
| Equity capital to assets | 10.3575% | 3,664 |
| Core capital (leverage) ratio | 9.2728% | 4,407 |
| Tier 1 risk-based capital ratio | 20.2368% | 1,652 |
| Total risk-based capital ratio | 20.7537% | 1,810 |
| Memoranda: | ||
| Average total assets | $70,554,000 | 5,751 |
| Average earning assets | $65,459,000 | 5,704 |
| Average equity | $7,237,500 | 5,800 |
| Average total loans | $21,019,500 | 6,561 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6792% | 4,334 |
| Cost of funding earning assets | 1.0927% | 2,721 |
| Net interest margin | 3.5865% | 4,782 |
| Noninterest income to average assets | 0.2960% | 5,411 |
| Noninterest expense to average assets | 2.3000% | 6,035 |
| Loan and lease loss provision to assets | 0.4594% | 2,303 |
| Net operating income to assets | 0.5904% | 4,050 |
| Return on assets (ROA) | 0.5904% | 4,226 |
| Pretax return on assets | 0.8710% | 3,706 |
| Return on Equity (ROE) | 5.7087% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.7087% | 2,171 |
| Net charge-offs to loans | 1.3963% | 1,171 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 2.8960% | 3,758 |
| Efficiency ratio | 63.3546% | 5,236 |
| Assets per employee ($millions) | 5.0828% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 6,840 |
| Loan loss allowance to noncurrent loans | 11.5108% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 1.9534% | 3,035 |
| Noncurrent loans to loans | 6.4965% | 720 |
| Net loans and leases to total assets | 29.8430% | 7,011 |
| Net loans and leases to deposits | 33.6914% | 7,054 |
| Net loans and leases to core deposits | 35.2190% | 7,053 |
| Total domestic deposits to total assets | 88.5777% | 1,800 |
| Equity capital to assets | 10.1603% | 3,959 |
| Core capital (leverage) ratio | 9.4123% | 4,165 |
| Tier 1 risk-based capital ratio | 19.1276% | 1,861 |
| Total risk-based capital ratio | 19.6066% | 2,059 |
| Memoranda: | ||
| Average total assets | $64,870,000 | 5,904 |
| Average earning assets | $60,309,400 | 5,855 |
| Average equity | $6,709,000 | 5,952 |
| Average total loans | $21,341,600 | 6,586 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8912% | 3,603 |
| Cost of funding earning assets | 1.1351% | 2,735 |
| Net interest margin | 3.7562% | 4,085 |
| Noninterest income to average assets | 0.3307% | 5,221 |
| Noninterest expense to average assets | 2.6456% | 4,921 |
| Loan and lease loss provision to assets | 0.6066% | 1,620 |
| Net operating income to assets | 0.4129% | 4,939 |
| Return on assets (ROA) | 0.4129% | 5,127 |
| Pretax return on assets | 0.5498% | 4,975 |
| Return on Equity (ROE) | 3.9723% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.9723% | 3,890 |
| Net charge-offs to loans | 1.8004% | 742 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 1.9062% | 4,231 |
| Efficiency ratio | 69.5845% | 4,023 |
| Assets per employee ($millions) | 5.4032% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7245% | 6,933 |
| Loan loss allowance to noncurrent loans | 21.8579% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 1.0421% | 4,674 |
| Noncurrent loans to loans | 3.3146% | 2,078 |
| Net loans and leases to total assets | 31.2121% | 7,047 |
| Net loans and leases to deposits | 36.5078% | 7,068 |
| Net loans and leases to core deposits | 36.9863% | 7,097 |
| Total domestic deposits to total assets | 85.4944% | 3,500 |
| Equity capital to assets | 10.0666% | 4,255 |
| Core capital (leverage) ratio | 9.2135% | 4,606 |
| Tier 1 risk-based capital ratio | 19.0768% | 1,907 |
| Total risk-based capital ratio | 19.5688% | 2,106 |
| Memoranda: | ||
| Average total assets | $63,297,750 | 5,990 |
| Average earning assets | $58,497,750 | 5,956 |
| Average equity | $6,578,750 | 6,036 |
| Average total loans | $21,328,000 | 6,657 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9730% | 3,297 |
| Cost of funding earning assets | 1.1822% | 2,697 |
| Net interest margin | 3.7908% | 3,825 |
| Noninterest income to average assets | 0.2033% | 6,211 |
| Noninterest expense to average assets | 2.7647% | 4,569 |
| Loan and lease loss provision to assets | 0.0853% | 5,241 |
| Net operating income to assets | 0.5247% | 4,398 |
| Return on assets (ROA) | 0.5247% | 4,542 |
| Pretax return on assets | 0.8133% | 3,977 |
| Return on Equity (ROE) | 4.9886% | 4,456 |
| Retained earnings to average equity (ytd only) | 4.9886% | 3,018 |
| Net charge-offs to loans | 0.2467% | 3,643 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 10.5385% | 1,796 |
| Efficiency ratio | 75.4700% | 3,106 |
| Assets per employee ($millions) | 5.2675% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7017% | 7,019 |
| Loan loss allowance to noncurrent loans | 16.3599% | 6,828 |
| Noncurrent assets plus other real estate owned to assets | 1.4282% | 4,072 |
| Noncurrent loans to loans | 4.2891% | 1,576 |
| Net loans and leases to total assets | 33.0646% | 7,074 |
| Net loans and leases to deposits | 37.1930% | 7,147 |
| Net loans and leases to core deposits | 37.7971% | 7,177 |
| Total domestic deposits to total assets | 88.9001% | 1,597 |
| Equity capital to assets | 10.0120% | 4,133 |
| Core capital (leverage) ratio | 9.1333% | 4,518 |
| Tier 1 risk-based capital ratio | 18.8599% | 1,888 |
| Total risk-based capital ratio | 19.3492% | 2,094 |
| Memoranda: | ||
| Average total assets | $60,983,000 | 6,106 |
| Average earning assets | $55,661,000 | 6,094 |
| Average equity | $6,414,670 | 6,113 |
| Average total loans | $21,076,000 | 6,742 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 4,194 |
| Cost of funding earning assets | 1.1568% | 3,108 |
| Net interest margin | 3.6149% | 4,504 |
| Noninterest income to average assets | 0.1747% | 6,482 |
| Noninterest expense to average assets | 2.9632% | 3,801 |
| Loan and lease loss provision to assets | 0.1607% | 4,023 |
| Net operating income to assets | 0.2516% | 5,609 |
| Return on assets (ROA) | 0.2516% | 5,674 |
| Pretax return on assets | 0.3704% | 5,428 |
| Return on Equity (ROE) | 2.3248% | 5,672 |
| Retained earnings to average equity (ytd only) | 2.3248% | 4,753 |
| Net charge-offs to loans | 0.4552% | 2,330 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 3.3043% | 2,783 |
| Efficiency ratio | 84.8000% | 1,870 |
| Assets per employee ($millions) | 5.1868% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6694% | 7,113 |
| Loan loss allowance to noncurrent loans | 36.8664% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 5,673 |
| Noncurrent loans to loans | 1.8158% | 3,807 |
| Net loans and leases to total assets | 35.2089% | 7,039 |
| Net loans and leases to deposits | 38.9676% | 7,135 |
| Net loans and leases to core deposits | 40.5102% | 7,155 |
| Total domestic deposits to total assets | 90.3543% | 930 |
| Equity capital to assets | 9.1474% | 4,962 |
| Core capital (leverage) ratio | 10.4827% | 2,630 |
| Tier 1 risk-based capital ratio | 18.4861% | 1,962 |
| Total risk-based capital ratio | 18.9605% | 2,188 |
| Memoranda: | ||
| Average total assets | $57,235,500 | 6,279 |
| Average earning assets | $52,560,500 | 6,254 |
| Average equity | $6,194,000 | 6,184 |
| Average total loans | $20,213,000 | 6,828 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8289% | 5,317 |
| Cost of funding earning assets | 1.3013% | 3,872 |
| Net interest margin | 3.5276% | 5,120 |
| Noninterest income to average assets | 0.1579% | 6,597 |
| Noninterest expense to average assets | 2.4411% | 5,971 |
| Loan and lease loss provision to assets | 0.5713% | 2,845 |
| Net operating income to assets | 0.3548% | 4,724 |
| Return on assets (ROA) | 0.3532% | 4,893 |
| Pretax return on assets | 0.4550% | 4,777 |
| Return on Equity (ROE) | 2.6498% | 5,111 |
| Retained earnings to average equity (ytd only) | 2.6498% | 4,005 |
| Net charge-offs to loans | 1.6800% | 1,292 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 4,367 |
| Efficiency ratio | 70.3593% | 4,098 |
| Assets per employee ($millions) | 4.7042% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 6,499 |
| Loan loss allowance to noncurrent loans | 26.5781% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 1.2797% | 4,474 |
| Noncurrent loans to loans | 3.6430% | 2,048 |
| Net loans and leases to total assets | 34.7881% | 7,204 |
| Net loans and leases to deposits | 40.3954% | 7,240 |
| Net loans and leases to core deposits | 43.7813% | 7,207 |
| Total domestic deposits to total assets | 86.1188% | 3,296 |
| Equity capital to assets | 13.2222% | 1,290 |
| Core capital (leverage) ratio | 13.5622% | 967 |
| Tier 1 risk-based capital ratio | 26.3263% | 730 |
| Total risk-based capital ratio | 26.9788% | 757 |
| Memoranda: | ||
| Average total assets | $48,133,400 | 6,598 |
| Average earning assets | $45,186,000 | 6,533 |
| Average equity | $6,415,600 | 6,230 |
| Average total loans | $16,368,800 | 7,098 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 5,242 |
| Cost of funding earning assets | 1.3385% | 3,983 |
| Net interest margin | 3.5673% | 5,031 |
| Noninterest income to average assets | 0.1598% | 6,720 |
| Noninterest expense to average assets | 2.4679% | 5,824 |
| Loan and lease loss provision to assets | 0.2782% | 4,353 |
| Net operating income to assets | 0.5335% | 4,173 |
| Return on assets (ROA) | 0.5316% | 4,349 |
| Pretax return on assets | 0.7657% | 4,031 |
| Return on Equity (ROE) | 3.9807% | 4,792 |
| Retained earnings to average equity (ytd only) | 3.9807% | 3,678 |
| Net charge-offs to loans | 0.8246% | 2,391 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 3.7624% | 3,306 |
| Efficiency ratio | 70.2194% | 4,018 |
| Assets per employee ($millions) | 4.7321% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 6,386 |
| Loan loss allowance to noncurrent loans | 31.8091% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 1.3588% | 4,451 |
| Noncurrent loans to loans | 3.1504% | 2,528 |
| Net loans and leases to total assets | 33.4017% | 7,366 |
| Net loans and leases to deposits | 39.7086% | 7,381 |
| Net loans and leases to core deposits | 43.0142% | 7,351 |
| Total domestic deposits to total assets | 84.1170% | 4,050 |
| Equity capital to assets | 14.3382% | 1,071 |
| Core capital (leverage) ratio | 13.3966% | 1,091 |
| Tier 1 risk-based capital ratio | 27.2811% | 675 |
| Total risk-based capital ratio | 27.9549% | 699 |
| Memoranda: | ||
| Average total assets | $48,406,250 | 6,674 |
| Average earning assets | $45,523,500 | 6,606 |
| Average equity | $6,464,500 | 6,294 |
| Average total loans | $16,329,750 | 7,197 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9185% | 5,309 |
| Cost of funding earning assets | 1.3597% | 4,129 |
| Net interest margin | 3.5588% | 5,010 |
| Noninterest income to average assets | 0.1722% | 6,672 |
| Noninterest expense to average assets | 2.4278% | 5,985 |
| Loan and lease loss provision to assets | 0.4142% | 3,246 |
| Net operating income to assets | 0.4704% | 4,463 |
| Return on assets (ROA) | 0.4675% | 4,635 |
| Pretax return on assets | 0.6644% | 4,354 |
| Return on Equity (ROE) | 3.5862% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.5862% | 3,812 |
| Net charge-offs to loans | 1.2279% | 1,555 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 2.6139% | 3,691 |
| Efficiency ratio | 69.1589% | 4,346 |
| Assets per employee ($millions) | 4.9002% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 6,455 |
| Loan loss allowance to noncurrent loans | 30.8285% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 1.3448% | 4,471 |
| Noncurrent loans to loans | 3.2071% | 2,498 |
| Net loans and leases to total assets | 32.6987% | 7,463 |
| Net loans and leases to deposits | 38.4586% | 7,484 |
| Net loans and leases to core deposits | 42.1137% | 7,451 |
| Total domestic deposits to total assets | 85.0231% | 3,613 |
| Equity capital to assets | 13.5913% | 1,308 |
| Core capital (leverage) ratio | 13.0429% | 1,193 |
| Tier 1 risk-based capital ratio | 26.4507% | 736 |
| Total risk-based capital ratio | 27.1119% | 766 |
| Memoranda: | ||
| Average total assets | $48,768,000 | 6,706 |
| Average earning assets | $45,745,670 | 6,644 |
| Average equity | $6,357,670 | 6,350 |
| Average total loans | $16,451,000 | 7,245 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8515% | 5,684 |
| Cost of funding earning assets | 1.3949% | 4,216 |
| Net interest margin | 3.4566% | 5,349 |
| Noninterest income to average assets | 0.1809% | 6,663 |
| Noninterest expense to average assets | 2.6474% | 5,156 |
| Loan and lease loss provision to assets | 0.0082% | 6,515 |
| Net operating income to assets | 0.4739% | 4,515 |
| Return on assets (ROA) | 0.4686% | 4,669 |
| Pretax return on assets | 0.7564% | 4,042 |
| Return on Equity (ROE) | 3.6736% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.6736% | 3,950 |
| Net charge-offs to loans | 0.0241% | 5,243 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 344 |
| Efficiency ratio | 77.4038% | 2,996 |
| Assets per employee ($millions) | 4.8831% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 6,563 |
| Loan loss allowance to noncurrent loans | 26.6667% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 1.5154% | 4,225 |
| Noncurrent loans to loans | 3.6713% | 2,166 |
| Net loans and leases to total assets | 33.1408% | 7,528 |
| Net loans and leases to deposits | 38.4422% | 7,570 |
| Net loans and leases to core deposits | 41.2264% | 7,544 |
| Total domestic deposits to total assets | 86.2096% | 3,024 |
| Equity capital to assets | 12.8996% | 1,561 |
| Core capital (leverage) ratio | 12.9059% | 1,243 |
| Tier 1 risk-based capital ratio | 25.9789% | 774 |
| Total risk-based capital ratio | 26.6342% | 804 |
| Memoranda: | ||
| Average total assets | $48,651,000 | 6,781 |
| Average earning assets | $45,594,000 | 6,723 |
| Average equity | $6,206,500 | 6,452 |
| Average total loans | $16,585,000 | 7,331 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9568% | 6,565 |
| Cost of funding earning assets | 1.7747% | 4,128 |
| Net interest margin | 3.1821% | 6,152 |
| Noninterest income to average assets | 0.1667% | 6,887 |
| Noninterest expense to average assets | 2.1885% | 7,021 |
| Loan and lease loss provision to assets | 1.2235% | 1,880 |
| Net operating income to assets | -0.0591% | 5,599 |
| Return on assets (ROA) | -0.0604% | 5,624 |
| Pretax return on assets | -0.2314% | 5,737 |
| Return on Equity (ROE) | -0.4445% | 5,611 |
| Retained earnings to average equity (ytd only) | -8.2610% | 6,373 |
| Net charge-offs to loans | 3.1502% | 653 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 0.8126% | 5,296 |
| Efficiency ratio | 68.7623% | 4,866 |
| Assets per employee ($millions) | 4.8471% | 2,411 |
| Cash dividends to net income (ytd only)* | -1,758.6207% | 8,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 6,630 |
| Loan loss allowance to noncurrent loans | 26.6223% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 1.5287% | 4,086 |
| Noncurrent loans to loans | 3.5716% | 2,122 |
| Net loans and leases to total assets | 34.3855% | 7,581 |
| Net loans and leases to deposits | 39.6796% | 7,634 |
| Net loans and leases to core deposits | 48.4576% | 7,621 |
| Total domestic deposits to total assets | 86.6580% | 2,676 |
| Equity capital to assets | 12.6137% | 1,688 |
| Core capital (leverage) ratio | 13.2376% | 1,176 |
| Tier 1 risk-based capital ratio | 24.8793% | 853 |
| Total risk-based capital ratio | 25.5125% | 897 |
| Memoranda: | ||
| Average total assets | $47,977,000 | 6,789 |
| Average earning assets | $45,473,200 | 6,698 |
| Average equity | $6,524,600 | 6,414 |
| Average total loans | $18,633,600 | 7,280 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 6,680 |
| Cost of funding earning assets | 1.8485% | 4,167 |
| Net interest margin | 3.1258% | 6,243 |
| Noninterest income to average assets | 0.1616% | 7,044 |
| Noninterest expense to average assets | 2.0674% | 7,247 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6854% | 3,260 |
| Return on assets (ROA) | 0.6854% | 3,314 |
| Pretax return on assets | 1.0671% | 2,682 |
| Return on Equity (ROE) | 4.9491% | 3,985 |
| Retained earnings to average equity (ytd only) | -5.3113% | 6,291 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9556% | 5,371 |
| Assets per employee ($millions) | 4.7218% | 2,522 |
| Cash dividends to net income (ytd only)* | 207.3173% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 6,854 |
| Loan loss allowance to noncurrent loans | 9.9071% | 7,457 |
| Noncurrent assets plus other real estate owned to assets | 3.4203% | 1,951 |
| Noncurrent loans to loans | 8.8571% | 511 |
| Net loans and leases to total assets | 38.2778% | 7,538 |
| Net loans and leases to deposits | 45.8684% | 7,572 |
| Net loans and leases to core deposits | 53.9796% | 7,592 |
| Total domestic deposits to total assets | 83.4512% | 3,991 |
| Equity capital to assets | 14.0794% | 1,280 |
| Core capital (leverage) ratio | 13.8657% | 1,126 |
| Tier 1 risk-based capital ratio | 25.8369% | 827 |
| Total risk-based capital ratio | 26.4671% | 851 |
| Memoranda: | ||
| Average total assets | $47,853,500 | 6,841 |
| Average earning assets | $45,512,500 | 6,757 |
| Average equity | $6,627,250 | 6,439 |
| Average total loans | $19,085,250 | 7,316 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9966% | 6,781 |
| Cost of funding earning assets | 1.9110% | 4,208 |
| Net interest margin | 3.0856% | 6,293 |
| Noninterest income to average assets | 0.1456% | 7,225 |
| Noninterest expense to average assets | 2.1055% | 7,265 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6075% | 3,646 |
| Return on assets (ROA) | 0.6075% | 3,756 |
| Pretax return on assets | 0.9695% | 3,115 |
| Return on Equity (ROE) | 4.4107% | 4,337 |
| Retained earnings to average equity (ytd only) | -10.9964% | 6,970 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4709% | 5,076 |
| Assets per employee ($millions) | 4.7748% | 2,359 |
| Cash dividends to net income (ytd only)* | 349.3151% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 7,029 |
| Loan loss allowance to noncurrent loans | 16.0966% | 7,329 |
| Noncurrent assets plus other real estate owned to assets | 2.0818% | 3,082 |
| Noncurrent loans to loans | 5.2023% | 1,151 |
| Net loans and leases to total assets | 39.6812% | 7,567 |
| Net loans and leases to deposits | 46.6709% | 7,611 |
| Net loans and leases to core deposits | 53.4622% | 7,671 |
| Total domestic deposits to total assets | 85.0235% | 3,249 |
| Equity capital to assets | 13.4079% | 1,527 |
| Core capital (leverage) ratio | 13.3612% | 1,311 |
| Tier 1 risk-based capital ratio | 24.8538% | 956 |
| Total risk-based capital ratio | 25.4694% | 990 |
| Memoranda: | ||
| Average total assets | $48,065,330 | 6,902 |
| Average earning assets | $45,630,670 | 6,811 |
| Average equity | $6,620,330 | 6,489 |
| Average total loans | $19,369,000 | 7,370 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9700% | 7,012 |
| Cost of funding earning assets | 1.9933% | 4,165 |
| Net interest margin | 2.9767% | 6,538 |
| Noninterest income to average assets | 0.1493% | 7,234 |
| Noninterest expense to average assets | 2.1400% | 7,034 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5309% | 4,296 |
| Return on assets (ROA) | 0.5309% | 4,482 |
| Pretax return on assets | 0.8212% | 4,004 |
| Return on Equity (ROE) | 3.8041% | 5,028 |
| Retained earnings to average equity (ytd only) | -26.5101% | 7,807 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2689% | 4,144 |
| Assets per employee ($millions) | 4.8025% | 2,298 |
| Cash dividends to net income (ytd only)* | 796.8750% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 7,070 |
| Loan loss allowance to noncurrent loans | 16.0643% | 7,354 |
| Noncurrent assets plus other real estate owned to assets | 2.0739% | 2,783 |
| Noncurrent loans to loans | 5.1266% | 1,057 |
| Net loans and leases to total assets | 40.1208% | 7,562 |
| Net loans and leases to deposits | 47.0077% | 7,624 |
| Net loans and leases to core deposits | 54.3649% | 7,667 |
| Total domestic deposits to total assets | 85.3493% | 3,034 |
| Equity capital to assets | 13.4555% | 1,548 |
| Core capital (leverage) ratio | 13.1987% | 1,418 |
| Tier 1 risk-based capital ratio | 24.9160% | 989 |
| Total risk-based capital ratio | 25.5411% | 1,025 |
| Memoranda: | ||
| Average total assets | $48,224,000 | 6,940 |
| Average earning assets | $45,553,500 | 6,856 |
| Average equity | $6,729,500 | 6,505 |
| Average total loans | $19,500,000 | 7,407 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2759% | 7,626 |
| Cost of funding earning assets | 2.4819% | 4,300 |
| Net interest margin | 2.7940% | 7,337 |
| Noninterest income to average assets | 0.2754% | 6,490 |
| Noninterest expense to average assets | 1.7526% | 7,813 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7284% | 3,760 |
| Return on assets (ROA) | 0.7284% | 3,596 |
| Pretax return on assets | 1.1711% | 2,763 |
| Return on Equity (ROE) | 4.7900% | 4,473 |
| Retained earnings to average equity (ytd only) | -13.3906% | 7,362 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9442% | 6,349 |
| Assets per employee ($millions) | 4.8423% | 2,126 |
| Cash dividends to net income (ytd only)* | 379.5518% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 7,037 |
| Loan loss allowance to noncurrent loans | 18.9349% | 7,279 |
| Noncurrent assets plus other real estate owned to assets | 1.7450% | 2,803 |
| Noncurrent loans to loans | 4.3174% | 1,114 |
| Net loans and leases to total assets | 40.0884% | 7,669 |
| Net loans and leases to deposits | 47.6649% | 7,723 |
| Net loans and leases to core deposits | 53.2931% | 7,815 |
| Total domestic deposits to total assets | 84.1047% | 3,272 |
| Equity capital to assets | 14.4497% | 1,311 |
| Core capital (leverage) ratio | 14.2288% | 1,213 |
| Tier 1 risk-based capital ratio | 26.3656% | 869 |
| Total risk-based capital ratio | 26.9837% | 901 |
| Memoranda: | ||
| Average total assets | $49,013,000 | 6,821 |
| Average earning assets | $46,456,200 | 6,746 |
| Average equity | $7,453,000 | 6,292 |
| Average total loans | $21,123,000 | 7,254 |